Real Estate in Focus -
Your Radio Resource for All Things Real Estate

* KHQN Radio, AM 1480 in Utah County   www.khqnradio.com   9:00 AM (MST)

* KNAK Radio, AM 540 in Central Utah www.knakradio.com  9:00 AM (MST)

About Sam Bushman:  According to Sam, the words “Family Man” describe him to a T.  His wife, Julie, and seven children are his treasures.  Sam grew up in the real estate industry.  His father was a general contractor and Sam spent his childhood summers hauling plywood to the rooftops.  Sam has been a real estate investor for 20 years.  He and his wife are loan consultants with Benchmark Home Loan and Commercial Funding in Pleasant Grove , UT.   He enjoys assisting families with real estate financing.  Sam is a veteran radio broadcaster as well.  He owned a radio station for ten years and has been an on air talent for even longer.  He has now combined the fields of real estate and radio broadcasting to create his newest talk show, Real Estate in Focus.

Link to show's website:
www.RealEstateinFocus.com

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Podcast:	Publish Date:	mp3:	Size:	Description:
Listen To The Streem NOW Or Anytime!
	07/05/2008		10.7 MB	7/5/08 - Interview: Joe Sturniolo His new book: The Caterpillar That Roared What are the ROAR workshops? People dedicate about 40 years to their careers, juggling deadlines, bosses, all the while nurturing that nest egg of funds for fun-filled retirement years. Although some are financially secure, Boomers need to "develop the plan behind the plan" says Joe Sturniolo, entrepreneur and owner of a successful Denver-based financial planning firm. Sturniolo suggests rather than focusing solely on saving money, more attention should be devoted to the next step; what can you accomplish after you retire? We need to work towards quality of life through serving others. People who spend their time in service actually live longer and have more fulfilled lives. Learn to understand what your passions and talents are and use them for good throughout your life. www.timetorar.com
	06/28/2008		10.7 MB	6/28/08 - Interview: Dina Dove - www.BagLadysGuide.com It’s a hard time to be an American. Nearly half of us are struggling to stay afloat financially. 4 in 10 Americans live paycheck to paycheck and they are just pleased to have jobs at a time where the unemployment rate is rising. Dina Dove should know. At age 41 Dove plummeted from a successful business owner to unemployed, newly divorced and 250-thousand dollars in debt. Dove turned her life around by realizing all hardships are blessings in disguise. The Hidden Blessing in a Foreclosure, the IRS or Getting Fired - Woman Who Lost It All Tells How To Live a Better Life "It is not our circumstances,but our attitude toward those circumstances that dictates the quality of our lives," says Dina Dove author of the new book "The Baglady’s Guide to Elegant Living." Great Interview in these tough times of financial difficulty!
	06/21/2008		10.7 MB	6/21/08 - "So Much For Free Markets: Federally Sponsored Mortgages at 90% Share" This is a complete take over of the home loan business by government. America should never let this happen. "State Law Slashes Foreclosure Rate, for Now" What gives the state authority to do this? "FHA Waives 90-Day Waiting Period for Resales" Fighting one problem will just create another. We need to look at finance fundamentals. "WaMu Will Discontinue Two Mortgage Products" This will unfairly squeeze families even more in the credit crunch. "Wachovia to Clarify Loans Where You Pick Payment" This is a great private sector solution and a great idea to help borrowers. Ing Direct Bank also has a bi-weekly private solution coming according to our friend, Scott at ING Direct Bank. Both Wachovia and ING Direct have portfolio private products and solutions that are great. They also both have bi-weekly programs that help families gain equity in their homes. Let's look towards the private sector for solutions.
	06/14/2008		10.7 MB	6/14/08 - There are three kinds of equity found in most homes....Appreciation, down-payment and principal reduction. We have been deceived in America. We want to depend on magic appreciation to give us all the equity in our homes. We should look at appreciation as a bonus but focus on down-payment and principal reduction as our main means of equity building. 80% of the population have 4 main financial destinations: 1. Retire early 2. Put kids through college. 3. Buy a dream home. 4. Have more time for travel and leisure. Making money is good, but is rarely the focus of those who truly gain financial independence. Learn the formulas required to manage money and you can build wealth over time. Even those who make lots of money but don't know how to manage/ invest it go broke.
	06/07/2008		10.7 MB	6/7/08 - Interview with STEVE SELENGUT, Author/financial expert/speaker. Steve Selengut is a professional investment manager who gives insight into managing investment portfolios safely and productively. He is not a Wall Street stiff or Stock Market predictor; he is just a manager with time tested conservative strategies that actually work. His most recent book is, "The Brainwashing of the American Investor." **REAL ESTATE INVESTMENTS MAY NOT BE POPULAR RIGHT NOW BUT FINANCIAL EXPERT EXPLAINS WHY IT MAY BE TIME TO RE-THINK THAT PARADIGM** TIME TO INVEST IN REAL ESTATE? Financial Expert says 'Yes'. The right real estate investments offer no overhead, which actually makes them much easier to manage. In fact, if the right avenues are pursued, real estate can be purchased much the same way as common stock. Steve tells us how! www.sancoservices.com
	05/31/2008		10.7 MB	5/31/08 - Interview: Craig Rozema Where The Real Estate Market Went Wrong The collapse of the property market in 2007 left many people wary of real estate investment. However, experts argue that much of the market’s failure was due to a lack of understanding by investors and poor advice from realtors. Real estate investment specialist, leading portfolio manager and author of the new book "The Next Hot Real Estate Market," Craig Rozema, explains where people went wrong and tells us the philosophies behind sound investment. Some do's and dont's for investors. Told Craig about my idea of shorter terms on loans. He agreed and mentioned that we need relistic ratios as well. No more 50% of one's money to pay for a home. Craig Reveals many Trends in Real Estate Investing They only get paid when you buy one of their recommended investments. Otherwise, all their info is free. Start your education and investing today! www.craigmartininvestments.com
	05/24/2008		10.7 MB	5/24/08 - Interview with Scott Gray, Head of Broker Lending at ING Direct (West Coast) Sam talks about his solutions for correcting the mortgage crisis in the US... Reduce the loan to 5-10-15 years. 30 year loan terms are not sustainable. Scott wisely points out that longer term loans also inflates the cost of homes to out of control levels. Briefed Scott on the bank savings account towards home ownership idea as well. He thought they were great ideas, easy to implement and no down sides to the solutions. Scott mentioned that ING Direct is creating a fixed rate true bi-weekly loan. It will be available in about a month or so. He will be back on the show to give us all the details when it's ready. ING Direct has the lowest default on their portfolio loans of any we have ever heard of. They have originated over 100,000 loans since 2000 and have less than 100 defaults. Sounds like a blue print for success for the market. www.ingdirect.com for saving accounts and home loans. A market leader in SOLUTIONS for the mortgage business.
	05/17/2008		21.4 MB	5/17/08 - Discussed the articles, "Cities sue home lenders", "For Wall Street Workers, Ax Falls Quietly" and "Re: Foreclosures double, and home prices tumble". You can't solve the recession for the nation/world by yourself but, you can protect your family. Interview with Jeff Boulton - CEO of RiseAboveDebtRelief.com Five Rules For Bulletproofing Your Financial Life 1. Realize we are spending too much money. 2. You must get on a budget and start simple. 3. Learn to separate and understand the difference between needs and wants. 4. Plan for worst case not best case scenario. 5. Educate ourselves about credit card debt and avoide the wrong uses of credit cards. If you are in financial trouble, consider the discussion of how RiseAboveDebtRelief.com can help. Jeff agreed to return to the show in a month or two and tell us success stories as people learn to get out of debt, live with in their means and protect/build their financial future.
	05/03/2008		10.7 MB	5/3/08 - Sam provides a job market update. This is one of the greatest problems in the recession. "Foreclosures double, and home prices tumble" By Stephanie Armour, USA TODAY Many of you think I have been much too down on the economy. However, I think we need to watch the real numbers to know when things are going to get better. We need a real based view not bad info on the good or bad side of things. There are a few facts in this story that in my view truly focus on what matters. The real estate market can't begin to recover until lenders stop imploding! That's why I watch that implode list. The real estate market can't begin to recover until foreclosure filings start to ebb, experts say. That's why I track stories to see when we see a turn around. The one silver lining, Naroff suggests, is that the sooner prices hit bottom, the sooner buyers can step in and begin to revive home sales. I agree with this; a proper balance between supply and demand. Also when it happens ... it's good news. "We're beginning to get massive price declines," he says, "and we need that to clear the market." They are right on this as well. I even said this in a big training session for mortgage brokers and the room full of people thought I was crazy ... until the speaker agreed with me! It's not that I want people to lose money! It's that there is no other way out of this. So, the sooner the market corrects itself the better! I pray the market gets after the needed corrections so we can all get back to business but, I am afraid it will still be quite a while! "Slump Moves From Wall St. to Main St." By PETER S. GOODMAN The article talks about Americans trimming what they buy. Example: In Oklahoma City, couples planning their weddings are demonstrating uncustomary thrift, forgoing Dungeness crab and special linens. We believe this is good for people not bad for the economy like the news suggests. It's a great thing that families are starting to cut back and live within their means. We don't want people to struggle but, we do want people to realize that they can't spend more than they make. Spending less if they can't afford it no matter what the news tells us is a good thing. They say that the economy is going down if people don't over spend. This is not the truth! We believe that sound money and stable financial futures are best preserved when less spending and greater incomes are the focus. The ability to save money is key to financial well being. Thanks for listening!
	04/26/2008		10.7 MB	4/26/08 - 254 lenders have imploded Foreclosure future grim for Utahns. Answer by the "experts" - more government. Sam says that's not the real answer. Habit-Forming: Borrowers Keep Piling On Debt - WallStreet Journal The people can't keep taking on more debt no matter what the government does and have the problem solved. IMF's report on credit crunch in 1 word: Bleak We believe that everyone in the housing crisis is at fault. All parties have been irresponsible. Borrowers can't keep taking on debt they can't handle. When lenders restrict who they will lend to ... that's a good thing if they don't go too far. Sellers are the biggest problem in all the blame game. They need to not expect to sell at outrageous profits. Now that home prices are dropping they need to lower their expectations. Builders should not over build areas and should not build too large of homes. Sam believes the real estate agents and mortgage brokers should get the least blame. Most of them don't make lots of money and all work on commission. Yes, there are bad apples/actors but most are doing the best and working hard and not getting rich. If they didn't only get commission and had more stable incomes they could work for a lot less. Many are charging a small loan application fee to solve this problem. Find an honest real estate agent and mortgage broker! They will save/make you money and protect your financial future.
	04/19/2008		10.7 MB	4/19/08 - Sam interviews Mark Steinagel and Derek Miller, Director and former Director of the Utah Department of Real Estate. Discussion of the changes in the state over time. Talked about the MARI - Mortgage Asset Research Institute; reports and the moving target they create with their statistics. MARI for the most part does a great job but, needs to be careful and responsible with their reporting. We don't want to create a self-fulfilling prophecy with negitavity in the real estate markets. Utah has taken the fraud issue seriously and has made several changes to rid the state of Bad Actors (bad apples) puting the state high on the MARI fraud rankings. Utah has a strong job market and low cost housing compared to the nation as a whole. We believe the state is moving forward to solve problems and create a bright future for the housing markets in Utah.
	04/12/2008		10.8 MB	4/12/08 - Sam provides the main stream press economic update. Bad to say the least, 251 lenders implode. GE reports less growth and less profits. The job market is getting much worse and The Fed admits we are in a recession. Sam points out that we have been in a down-turn for 2 years now. Sam and David of BenchMark Commercial funding http://www.bmcfunding.com and Envision Lending Group for home loans talk about the benifits of FHA. Yes there are some downsides but, there are great opportunities in FHA such as... Seller paid closing costs up to 6%, down-payment assistance programs, less focus on personal credit, better interest rates, non-owner occupied co-borrowers and more! Call Sam or David today: 800-250-5151
	04/05/2008		10.7 MB	4/5/08 - Sam provides an update on the current state of the economy. Sam and David continue on the way to solve the home value/foreclosure problems in the United States today... Reduce the term of loans, provide ways for new home owners to save for home purchases with a downpayment, simplify interest rates and make it easier for borrowers to redeem their credit. Their views could solve the mortgage problems without more bailouts.