Peter Schiff with Euro Pacific Capital 9-1-07 #31

Bruce continues his conversation with global finance expert, Peter Schiff with Euro Pacific Capital. Peter talks more about his book, Crash Proof. Peter discusses savings in America and the misconception that homes negated the need to save. Peter also talks about trade deficits, China, the stock market, and the concept of the "soft landing."

Mr. Schiff is one of the few non-biased investment advisors (not committed solely to the short side of the market) to have correctly called the current bear market in U.S. dollar denominated assets before it began and to have positioned his clients accordingly. As a result of his accurate forecasts on the U.S. stock market, commodities, gold and the dollar, he is becoming increasingly more renowned. He has been quoted in many of the nation's leading newspapers, including The Wall Street Journal, Barron's, Investor's Business Daily, The Financial Times, The New York Times, The Los Angeles Times, The Washington Post, The Chicago Tribune, The Dallas Morning News, The Miami Herald, The San Francisco Chronicle, The Atlanta Journal-Constitution, The Arizona Republic, The Philadelphia Inquirer, and the Christian Science Monitor, and has appeared on CNBC, CNNfn, Fox News and Bloomberg. In addition, his views are frequently quoted locally in the Orange County Register.

Mr. Schiff began his investment career as a financial consultant with Shearson Lehman Brothers, after having earned a degree in finance and accounting from U.C. Berkeley in 1987. A financial professional for nineteen years he joined Euro Pacific in 1996 and has served as its President since January 2000. An expert on money, economic theory, and international investing, he is a highly recommended broker by many of the nation's financial newsletters and advisory services. Mr. Schiff holds NASD Series 4,7,24,27,53,55, and 63 licenses.

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Peter Schiff with Euro Pacific Capital 8-25-07 #30

Bruce is joined by global finance expert, Peter Schiff with Euro Pacific Capital. Listen in as they discuss the current market, its effect on the real estate market and the economy at large. This is one of the more negative interviews. First time listeners beware!

Mr. Schiff is one of the few non-biased investment advisors (not committed solely to the short side of the market) to have correctly called the current bear market in U.S. dollar denominated assets before it began and to have positioned his clients accordingly. As a result of his accurate forecasts on the U.S. stock market, commodities, gold and the dollar, he is becoming increasingly more renowned. He has been quoted in many of the nation's leading newspapers, including The Wall Street Journal, Barron's, Investor's Business Daily, The Financial Times, The New York Times, The Los Angeles Times, The Washington Post, The Chicago Tribune, The Dallas Morning News, The Miami Herald, The San Francisco Chronicle, The Atlanta Journal-Constitution, The Arizona Republic, The Philadelphia Inquirer, and the Christian Science Monitor, and has appeared on CNBC, CNNfn, Fox News and Bloomberg. In addition, his views are frequently quoted locally in the Orange County Register.

Mr. Schiff began his investment career as a financial consultant with Shearson Lehman Brothers, after having earned a degree in finance and accounting from U.C. Berkeley in 1987. A financial professional for nineteen years he joined Euro Pacific in 1996 and has served as its President since January 2000. An expert on money, economic theory, and international investing, he is a highly recommended broker by many of the nation's financial newsletters and advisory services. Mr. Schiff holds NASD Series 4,7,24,27,53,55, and 63 licenses.

Listen to Peter Schiff

Phil Tirone with 720creditscore.com 8-18-07 #29

Bruce continues his conversation with president of The Mortgage Equity Group, Inc. and author of 7 Steps to a 720 Credit Score, Philip Tirone.

An expert in residential home financing, Philip X. Tirone is a powerhouse mortgage broker who contributes heavily to his firm’s billions of dollars in loan sales. Philip has a unique background in difficult-to-obtain loans, having spent years working with borrowers with subprime credit scores. Philip is masterful in finding loans for borrowers with bad credit, no credit, bankruptcy, and no stated income, but his specialty is in helping increase his clients’ credit scores so they qualify for the optimal loan programs that minimize their interest payments. In addition to authoring 7 Steps To a 720 Credit Score™, Philip’s workbook, Applying the 7 Steps to a 720 Credit Score, is one of Nightingale-Conant’s top sellers.

Philip’s commitment to educating homebuyers prompted the “7 Steps Licensing Program,” which allows mortgage brokers nationwide to become licensed in the 7 Steps and in turn help improve their clients’ credit scores. He is also developing the 7 Steps Foundation, a charitable foundation that will allocate funds to help low-income and underserved Americans increase their credit scores and buy homes.

Philip has been featured in articles on credit and mortgage trends in the Los Angeles Times, New York Times.com, Wall Street Journal, Newsday, Woman’s World Magazine, San Jose Mercury News, Bottom Line Magazine, Bankrate.com, and several others.

Philip created the Complete Financial Navigator™, a tool to analyze his borrowers’ needs and financial picture, thereby helping borrowers overcome barriers to achieving their real estate goals. As a frequent guest lecturer at the University of California Los Angeles, Philip has authored and delivered numerous speeches regarding the “Mortgage Lifestyle Dilemma,” a phrase he coined to describe an emotional buying decision that results in overextension and a life that revolves around high mortgage payments. By analyzing industry-specific buying trends, he has devised a series of questions to help borrowers avoid this dilemma.

Philip was named Arizona State University’s Man of the Year upon graduating with a real estate degree in 1994. Since then, he has continued to receive acclaim, most recently in the New York Times best-seller, Secrets of the Young and Successful.

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Phil Tirone with 720creditscore.com 8-11-07 #28

Bruce is joined by president of The Mortgage Equity Group, Inc. and author of 7 Steps to a 720 Credit Score, Philip Tirone. Both talk shop the credit market and what is currently going on in the lender world and how this affects the real estate market.

An expert in residential home financing, Philip X. Tirone is a powerhouse mortgage broker who contributes heavily to his firm’s billions of dollars in loan sales. Philip has a unique background in difficult-to-obtain loans, having spent years working with borrowers with subprime credit scores. Philip is masterful in finding loans for borrowers with bad credit, no credit, bankruptcy, and no stated income, but his specialty is in helping increase his clients’ credit scores so they qualify for the optimal loan programs that minimize their interest payments. In addition to authoring 7 Steps To a 720 Credit Score™, Philip’s workbook, Applying the 7 Steps to a 720 Credit Score, is one of Nightingale-Conant’s top sellers.

Philip’s commitment to educating homebuyers prompted the “7 Steps Licensing Program,” which allows mortgage brokers nationwide to become licensed in the 7 Steps and in turn help improve their clients’ credit scores. He is also developing the 7 Steps Foundation, a charitable foundation that will allocate funds to help low-income and underserved Americans increase their credit scores and buy homes.

Philip has been featured in articles on credit and mortgage trends in the Los Angeles Times, New York Times.com, Wall Street Journal, Newsday, Woman’s World Magazine, San Jose Mercury News, Bottom Line Magazine, Bankrate.com, and several others.

Philip created the Complete Financial Navigator™, a tool to analyze his borrowers’ needs and financial picture, thereby helping borrowers overcome barriers to achieving their real estate goals. As a frequent guest lecturer at the University of California Los Angeles, Philip has authored and delivered numerous speeches regarding the “Mortgage Lifestyle Dilemma,” a phrase he coined to describe an emotional buying decision that results in overextension and a life that revolves around high mortgage payments. By analyzing industry-specific buying trends, he has devised a series of questions to help borrowers avoid this dilemma.

Philip was named Arizona State University’s Man of the Year upon graduating with a real estate degree in 1994. Since then, he has continued to receive acclaim, most recently in the New York Times best-seller, Secrets of the Young and Successful.

Listen to Philip Tirone

Randy and Mike Grigg of Elite Auctions #27

Bruce is joined by Randy and Mike Grigg who head California Premier Auctions. Learn how they got started in the business, why auctions worked for them, and how auctions could work for you.

Being involved with real estate transactions since 1977, Randy Grigg discovered the benefits of using the auction method of marketing real estate after completing a single-family house rehab project that had three failed escrows. Selling time went from 2 months to 7 months due to the buyers backing out because of financing and appraisal contingencies. These extra 5 months of holding costs dramatically reduced the net profit.

As a "control freak" (and knowing other people are too) we designed our company to cater to the desire of our clients to sell their properties quickly in "as-is" condition with no loan, appraisal or property contingencies... at the highest price the market will bear. By selling my own properties "absolute" (no reserve), we learned first hand how to get the right bidders to our auctions. After we continued tweaking our marketing program we finally felt comfortable selling for others. We also have developed a strategy for selling real estate for others where our clients have full control over the final selling price, again understanding many of our clients desire for complete control.

Mike Grigg graduated from the prestigious "World Champion College of Auctioneers." He has participated in charity and real estate auctions and handles agent/broker relations. Mike serves on the board for the California State Auctioneers Association (CSAA). He has been designated AARE, which means he is an Accredited Auctioneer of Real Estate appointed by the National Auctioneers Association.
Mike has called a variety of real estate auctions in California and knows what it takes to get the buyers to competitively bid and drive the prices up. He is one of the 2004 California State Auctioneers Association Bid Calling Champions. Mike began his career in the real estate auction business in 2002 and believes that real estate auctions are the purest form of price realization. Learning real estate exclusively through the auction method is an advantage to potential clients and makes Mike one of the leading auction experts in California. Contact Mike at (661) 325-6500.
Professional Memberships

• On the Board of Directors for the California State Auctioneers Association (CSAA)
• Member of the National Auctioneers Association (NAA)
• Accredited Auctioneer of Real Estate (AARE) designated by the National Auctioneers Assocation
• Member of the Bakersfield Association of Realtors, Arcadia Association of Realtors, and the MRMLS (A Multiple Listing Service for Southern California)
• Member of the National Association of Realtors (NAR)
• Member of the California Association of Realtors (CAR)

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Gene Bronkowski of Keller Williams #26

Bruce is joined by Keller Williams and national trainer, Gene Bronkowski as they talk about Keller Williams' growth, why someone would want to buy in this market, and how realtors are dealing with the market. Gene also talks to us about the "Go Zone."

Gene Bronkowski has been investing in Real Estate since 1987. Gene is a licensed Realtor with Keller Williams Realty completing over 450 Real estate transactions since 1994.
Gene has trained for Prudential, Century 21 and now for Keller Williams for over 11 years total. While Gene does most of his training in California, he is also a National Real Estate Coach and has clients all over the United States. Over the past 10 years Gene has taught thousands of Realtors and Investors proven models and systems for buying and selling Real Estate.
Keller Williams' growth has been stunning in recent years. Keller Williams has courses for every job description in Real Estate from agent to assistant to accounting. Currently, Keller Williams offers over 120 courses. It also has an amazing profit sharing program that can be willed to their heirs.

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Christopher Thornberg of Beacon Economics #25

Bruce and Christopher Thornberg of Beacon Economics continue their conversation on the current real estate market. Just why is it that some economists are always so rosy?

Christopher Thornberg is a founding partner of Beacon Economics. Dr. Thornberg is an expert in the study of regional economies, real estate dynamics, labor markets and business forecasting. He has been involved in a number of special studies measuring the impact of important events on the economy, including the NAFTA treaty, the California power crisis, port security, California water transfer programs and the September 11th terrorist attacks. Prior to launching Beacon he worked with the UCLA Anderson Forecast where he regularly authored the outlooks for California, Los Angeles and the East Bay as well as performing a number of specialized forecasts for regions and industries. Dr. Thornberg lectures on a regular basis at a variety of public and private events, has appeared on CNN, Fox News and CNBC and is widely quoted in the press. He received his Ph.D in Business Economics from The Anderson School and his B.S. in Business Administration from the State University of New York at Buffalo. He specializes in International and Labor Economics. Dr. Thornberg continues to teach in the MBA program at UCLA and previously held a faculty position in the economics department at Clemson University.

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Christopher Thornberg of Beacon Economics #24

Bruce is joined by economist Christopher Thornberg of Beacon Economics, former UCLA Anderson forecaster.
Christopher Thornberg is a founding partner of Beacon Economics. Dr. Thornberg is an expert in the study of regional economies, real estate dynamics, labor markets and business forecasting. He has been involved in a number of special studies measuring the impact of important events on the economy, including the NAFTA treaty, the California power crisis, port security, California water transfer programs and the September 11th terrorist attacks. Prior to launching Beacon he worked with the UCLA Anderson Forecast where he regularly authored the outlooks for California, Los Angeles and the East Bay as well as performing a number of specialized forecasts for regions and industries. Dr. Thornberg lectures on a regular basis at a variety of public and private events, has appeared on CNN, Fox News and CNBC and is widely quoted in the press. He received his Ph.D in Business Economics from The Anderson School and his B.S. in Business Administration from the State University of New York at Buffalo. He specializes in International and Labor Economics. Dr. Thornberg continues to teach in the MBA program at UCLA and previously held a faculty position in the economics department at Clemson University.

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Nicholas Manfredi of The Short Sale Processor #23

Bruce continues the conversation with Nicholas Manfredi who is President and CEO of The Short Sale Processor LLC and also president of the Inland Empire Investor Forum.

Nick Manfredi is a real estate investor, speaker and corporate business owner. He has been featured in Fortune Magazine and The LA Times, and contributed to articles in the news media including CNN Money Magazine, The Press Enterprise, and RISmedia.
In 2002 Nick established one of Southern California’s most respected real estate investment club’s The Inland Empire Investors Forum. Focused on volume, he continues to wholesale 80% of his acquisitions.
Eager to capitalize on California’s changing market Nick co-founded The Short Sale Processor LLC. As CEO of Forum Real Estate Investments Inc
Nick continues buy residential and commercial property in California and Texas. Nick resides in Southern California with his wife Susan and 3 boys Gabriel, Nathan and Jacob.

Listen to Nicholas Manfredi Part 2

Nicholas Manfredi of The Short Sale Processor #22

Bruce is joined by Nicholas Manfredi who is President and CEO of The Short Sale Processor LLC and also president of the Inland Empire Investor Forum. Want to know a little more about short sales? These next two shows are a must listen!

Nick Manfredi is a real estate investor, speaker and corporate business owner. He has been featured in Fortune Magazine and The LA Times, and contributed to articles in the news media including CNN Money Magazine, The Press Enterprise, and RISmedia.
In 2002 Nick established one of Southern California’s most respected real estate investment club’s The Inland Empire Investors Forum. Focused on volume, he continues to wholesale 80% of his acquisitions.
Eager to capitalize on California’s changing market Nick co-founded The Short Sale Processor LLC. As CEO of Forum Real Estate Investments Inc
Nick continues buy residential and commercial property in California and Texas. Nick resides in Southern California with his wife Susan and 3 boys Gabriel, Nathan and Jacob.

Listen to Nicholas Manfredi

Steve Krystofiak 6-23-07 #21

Bruce is joined by Steve Krystofiak, President of Mortgage Brokers Association for Responsible Lending as they talk about the market from the lender's perspective.

Steven Krystofiak started in the Mortgage Lending business in 2002, and has moved through the ranks into becoming a mortgage Broker. Mr. Krystofiak founded the Mortgage Brokers Association for Responsible Lending in the spring of 2006 after seeing a lack from the industry in educating consumers, regulators, and lawmakers on how some loan programs invite fraud, which has been a leading contributing factor in making home prices skyrocket which in turn makes homes unaffordable.
Mr. Krystofiak has spoken on behalf of the Mortgage Broker’s Association for Responsible Lending at California Senate hearings, Federal Reserve board hearings, along with sponsoring and defending 3 bill proposals (AB 512, AB 628, AB 941) at Sacramento in the State Assembly and during their committee process.
Steven Krystofiak holds a B.S. in Real Estate from the finance department from San Diego State University. He also has been asked to be an expert witness in court trials involving the mortgage industry and real estate finance, and has been featured in the Washington Post, Wall Street Journal, New York Sun, Oakland Tribune, and contributed to articles in the news media including Money Magazine, Bloomberg news, the San Francisco Chronicle, the San Jose Mercury news, the San Diego Union Tribune and many others.
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Frank Nothaft of Freddie Mac #20

Join Bruce and chief economist for Freddie Mac , Frank Nothaft as they discuss the current real estate market from the lending perspective.

Frank E. Nothaft was appointed to the position of chief economist in December 2001 and vice president in March 2004. In this position, Nothaft is responsible for primary and secondary mortgage market analysis and research, macroeconomic analysis and forecasting. Nothaft is also involved in the analysis of affordable lending activities and policy issues affecting the housing industry.
Prior to being named chief economist, Nothaft served as deputy chief economist for Freddie Mac from 1988, and as a senior economist from November 1986. Nothaft was an economist with the Board of Governors of the Federal Reserve System from 1983 until 1986, where he served in the mortgage and consumer finance section and as the assistant to Governor Henry C. Wallich.
A widely quoted expert on housing and economic issues, Nothaft makes frequent guest appearances in both local and national media outlets.
Nothaft holds a Ph.D. in economics from Columbia University and is a member of the American Real Estate and Urban Economics Association.
Freddie Mac is a stockholder-owned company established by Congress in 1970 to support homeownership and rental housing. Freddie Mac fulfills its mission by purchasing residential mortgages and mortgage-related securities, which it finances primarily by issuing mortgage-related securities and debt instruments in the capital markets. Over the years, Freddie Mac has made home possible for one in six homebuyers and more than four million renters in America.

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Frank Nothaft of Freddie Mac #19

Join Bruce and chief economist for Freddie Mac , Frank Nothaft as they discuss the current real estate market from the lending perspective.

Frank E. Nothaft was appointed to the position of chief economist in December 2001 and vice president in March 2004. In this position, Nothaft is responsible for primary and secondary mortgage market analysis and research, macroeconomic analysis and forecasting. Nothaft is also involved in the analysis of affordable lending activities and policy issues affecting the housing industry.
Prior to being named chief economist, Nothaft served as deputy chief economist for Freddie Mac from 1988, and as a senior economist from November 1986. Nothaft was an economist with the Board of Governors of the Federal Reserve System from 1983 until 1986, where he served in the mortgage and consumer finance section and as the assistant to Governor Henry C. Wallich.
A widely quoted expert on housing and economic issues, Nothaft makes frequent guest appearances in both local and national media outlets.
Nothaft holds a Ph.D. in economics from Columbia University and is a member of the American Real Estate and Urban Economics Association.
Freddie Mac is a stockholder-owned company established by Congress in 1970 to support homeownership and rental housing. Freddie Mac fulfills its mission by purchasing residential mortgages and mortgage-related securities, which it finances primarily by issuing mortgage-related securities and debt instruments in the capital markets. Over the years, Freddie Mac has made home possible for one in six homebuyers and more than four million renters in America.

Listen to Frank Nothaft

Alan Nevin of CBIA #18

Join Bruce and chief economist for California Builder Industry Association and MarketPointe Realty Advisors, Alan Nevin, as they go back and discuss past downturns and how it's different this time around.

Alan Nevin is the Director of Economic Research of MarketPointe Realty Advisors. MarketPointe is a 30-old real estate research firm that serves private and public sector.
For the past quarter century, Alan has examined the economies of America’s high growth communities and their dynamic economic power. His particular specialty is the economy of the West Coast and the real estate within it.
Alan has been an instructor at UCSD Extension since 1980 and is the school’s senior advisor for its real estate and land use curriculum. He currently teaches “California 2020: Trends in California Demographics”.
In his spare time, he also serves as the Chief Economist for the California Building Industry Association.
He is also a recovering developer and is known to dabble in condominium development and luxury “spec” housing in La Jolla and other reasonably priced communities.
He is a co-founder of the UCSD Economics Roundtable and also recently completed ten-year’s service on the Board of Trustees of La Jolla Country Day School.
He holds bachelor and MBA degrees from American University in Washington, D.C. and a master’s degree in statistical research from Stanford University.

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Alan Nevin of CBIA #17

Join Bruce and chief economist for California Builder Industry Association and MarketPointe Realty Advisors, Alan Nevin, as they discuss the current market and what we should expect long and short term.

Alan Nevin is the Director of Economic Research of MarketPointe Realty Advisors. MarketPointe is a 30-old real estate research firm that serves private and public sector.
For the past quarter century, Alan has examined the economies of America’s high growth communities and their dynamic economic power. His particular specialty is the economy of the West Coast and the real estate within it.
Alan has been an instructor at UCSD Extension since 1980 and is the school’s senior advisor for its real estate and land use curriculum. He currently teaches “California 2020: Trends in California Demographics”.
In his spare time, he also serves as the Chief Economist for the California Building Industry Association.
He is also a recovering developer and is known to dabble in condominium development and luxury “spec” housing in La Jolla and other reasonably priced communities.
He is a co-founder of the UCSD Economics Roundtable and also recently completed ten-year’s service on the Board of Trustees of La Jolla Country Day School.
He holds bachelor and MBA degrees from American University in Washington, D.C. and a master’s degree in statistical research from Stanford University.

Listen to Alan Nevin

REO Mentor Tony Alvarez #16

Join Bruce and investor/appraiser Tony Alvarez as they further discuss how Tony works with REO agents.

Tony Alvarez has been a successful Real Estate Investor and Certified General Appraiser in the Southern California area since 1981. Tony has bought, sold and rented hundreds of properties from vacant land to condos, single family residences, and apartments. More recently he is investing in commercial developments in Arizona, Nevada, and Southern California.
As an appraiser Tony worked as a staff appraiser for Great Western and Glendale Federal Bank and is approved by hundreds of Lenders, Insurances Companies as well as Government Agencies.

He has worked for Fanny Mae, Freddie Mac, FHA and the FDIC.
He has an in depth knowledge of the inner workings of Lenders and their REO (foreclosure) departments. Tony’s knowledge of real estate, appraisal, finance, and investing is vast and varied. He brings a unique perspective to the real estate investment community.

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REO Mentor Tony Alvarez #15

Join Bruce and investor/appraiser Tony Alvarez as they discuss how Tony got started in real estate investing and how learned from his own foreclosure experience to where he is today.

Tony Alvarez has been a successful Real Estate Investor and Certified General Appraiser in the Southern California area since 1981. Tony has bought, sold and rented hundreds of properties from vacant land to condos, single family residences, and apartments. More recently he is investing in commercial developments in Arizona, Nevada, and Southern California.
As an appraiser Tony worked as a staff appraiser for Great Western and Glendale Federal Bank and is approved by hundreds of Lenders, Insurances Companies as well as Government Agencies.

He has worked for Fanny Mae, Freddie Mac, FHA and the FDIC.
He has an in depth knowledge of the inner workings of Lenders and their REO (foreclosure) departments. Tony’s knowledge of real estate, appraisal, finance, and investing is vast and varied. He brings a unique perspective to the real estate investment community.

Listen to Tony Alvarez

Leslie Appleton-Young of CAR #14

Join Bruce and California Association of Realtors chief economist Leslie Appleton-Young again as they further discuss the market. Leslie rates the most important factors she considers when forecasting the California real estate market.

Leslie Appleton-Young is Vice President and Chief Economist for the California Association of REALTORS® (C.A.R.), a statewide trade organization with over 195,000 members dedicated to the advancement of professionalism in real estate.

Mrs. Appleton-Young directs the activities of the Association's Member Information Group. She oversees the analysis of housing market and brokerage industry trends, member communications, and membership development activities. She is also closely involved in the Association's strategic planning efforts and is a well-known speaker in California’s real estate community.

Before joining C.A.R. in 1984, Leslie Appleton-Young was a consultant with Telesis Inc. in Rhode Island. She also spent several years working as a research associate at the Federal Reserve Bank of Philadelphia and as an instructor at the University of Pennsylvania.

Mrs. Appleton-Young earned a Bachelor of Arts degree in economics from the University of California, Berkeley, and her Masters from the University of Pennsylvania.
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Leslie Appleton-Young of CAR #13

Join Bruce and California Association of Realtors chief economist Leslie Appleton-Young as they discuss C.A.R.s expanding membership, how the Internet has changed the business, and where the California market is headed. Will membership decline in the coming market? And what are "DNA Sales" Leslie?

Leslie Appleton-Young is Vice President and Chief Economist for the California Association of REALTORS® (C.A.R.), a statewide trade organization with over 195,000 members dedicated to the advancement of professionalism in real estate.

Mrs. Appleton-Young directs the activities of the Association's Member Information Group. She oversees the analysis of housing market and brokerage industry trends, member communications, and membership development activities. She is also closely involved in the Association's strategic planning efforts and is a well-known speaker in California’s real estate community.

Before joining C.A.R. in 1984, Leslie Appleton-Young was a consultant with Telesis Inc. in Rhode Island. She also spent several years working as a research associate at the Federal Reserve Bank of Philadelphia and as an instructor at the University of Pennsylvania.

Mrs. Appleton-Young earned a Bachelor of Arts degree in economics from the University of California, Berkeley, and her Masters from the University of Pennsylvania.

Listen to Leslie Appleton-Young

John Burns of John Burns Real Estate Consulting #12

The conversation continues as John Burns and Bruce talk about the subprime industry and the affects on prices and the consumer. Hear also how builders are adjusting prices and coping with the changes. Will all inventory be affected?

Prior to founding the Company, John Burns was at KPMG Peat Marwick for 10 years, where he was a Senior Manager in the Real Estate Consulting group. He was also a Principal and Vice President for four years at a national consulting firm, where he completed custom consulting assignments and developed several market monitoring subscription products for the 75 largest housing markets in the United States.

John Burns is a frequent speaker, and has been quoted as an expert by CNN, ABC World News Tonight, The Wall Street Journal, The Associated Press, USA Today, Bloomberg, The Los Angeles Times, The Washington Post, Builder magazine, and others. He designed and authored a weekly e-mail received by more than 25,000 industry participants, and authored the U.S. Housing Markets publication. He also created and edited several highly successful market research subscription reports.

John has a M.B.A. from the University of California, Los Angeles and a B.A. in economics from Stanford University. He is also a Certified Public Accountant. He is a full member of the Urban Land Institute and a board member of the Building Industry Association.

Listen to John Burns Part 2

John Burns of John Burns Real Estate Consulting #11

California Builder consultant talks to Bruce about the current market and what the builders are doing to adjust and how this downturn is different than the 90s. John Burns Real Estate Consulting

Prior to founding the Company, John Burns was at KPMG Peat Marwick for 10 years, where he was a Senior Manager in the Real Estate Consulting group. He was also a Principal and Vice President for four years at a national consulting firm, where he completed custom consulting assignments and developed several market monitoring subscription products for the 75 largest housing markets in the United States.

John Burns is a frequent speaker, and has been quoted as an expert by CNN, ABC World News Tonight, The Wall Street Journal, The Associated Press, USA Today, Bloomberg, The Los Angeles Times, The Washington Post, Builder magazine, and others. He designed and authored a weekly e-mail received by more than 25,000 industry participants, and authored the U.S. Housing Markets publication. He also created and edited several highly successful market research subscription reports.

John has a M.B.A. from the University of California, Los Angeles and a B.A. in economics from Stanford University. He is also a Certified Public Accountant. He is a full member of the Urban Land Institute and a board member of the Building Industry Association.

Listen to John Burns

Gary Watts with Impact Real Estate #10

Bruce continues interview with Gary Watts and talks more about the factors and indices they disagree on.

Gary Watts has long been recognized as a forecasting expert by the real estate industry. His long-term analysis has also drawn the attention of the media due to his consistent accuracy. His Economic Outlook has been spotlighted in regional newspapers, including the Orange County Register and the Los Angeles Times. He has been seen on the PBS TV program Real Orange, he has been heard on the radio at KNX Money Talk and was featured in Fortune magazine. He holds a degree in economics with advanced studies in psychology from California State University at Sacramento. Gary's economic forecast and lecture notes are among the information pieces most widely circulated by real estate agents in Orange County. Gary's last speaking season drew over 17,000 real estate agents. His talks are also available in DVD and an English or Spanish CD format.

Listen to Gary Watts Part 2

Gary Watts with Impact Real Estate #9

Bruce interviews Orange County economist Gary Watts and talks about how Gary got into Orange County real estate forecasting and some of the key indices they disagree on while predicting the market. Gary is currently projecting a positive outlook for Orange County.

Gary Watts has long been recognized as a forecasting expert by the real estate industry. His long-term analysis has also drawn the attention of the media due to his consistent accuracy. His Economic Outlook has been spotlighted in regional newspapers, including the Orange County Register and the Los Angeles Times. He has been seen on the PBS TV program Real Orange, he has been heard on the radio at KNX Money Talk and was featured in Fortune magazine. He holds a degree in economics with advanced studies in psychology from California State University at Sacramento. Gary's economic forecast and lecture notes are among the information pieces most widely circulated by real estate agents in Orange County. Gary's last speaking season drew over 17,000 real estate agents. His talks are also available in DVD and an English or Spanish CD format.

Listen to Gary Watts

Paul Leonard with the Center for Responsible Lending #8

Paul Leonard returns to continue the conversation about the subprime loan world and how it affects Californians.

Paul A. Leonard directs the California operations of the Center for Responsible Lending, a national policy and research organization working on lending issues affecting low-wealth households. The Center is a non-profit, non-partisan research and policy organization dedicated to protecting homeownership and family wealth by working to eliminate abusive financial practices. CRL is affiliated with Self-Help, one of the nation’s largest community development financial institutions. CRL has offices in Durham NC, Washington, DC and has recently opened its California office in Oakland.

Prior to joining the Center, Mr. Leonard was an independent policy consultant working on housing, community development and social welfare issues, based in Berkeley, California. Mr. Leonard’s research topics have included the effectiveness of national housing preservation policies, gentrification in American cities, the impacts of financial modernization legislation on lending under the Community Reinvestment Act, and the impact of welfare reform in urban areas. His clients have included the Brookings Institution Center on Urban and Metropolitan Policy, the U.S. Treasury Department, the Low Income Investment Fund, the MacArthur Foundation, Bank of America, and PolicyLink.

Mr. Leonard also served as an Assistant Agency Director for Workforce and Human Services at the Alameda County, CA Social Services Agency from 2002 – 2004.
Mr. Leonard previously served as the Acting Assistant Secretary for Policy Development and Research and Deputy Assistant Secretary for Policy Development at the U.S. Department of Housing and Urban Development from 1994 through 1998. Prior to his appointment at HUD, Mr. Leonard was a senior research analyst at the Center on Budget and Policy Priorities, a non-profit policy and research organization in Washington DC.

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Paul Leonard with the Center for Responsible Lending #7

Paul Leonard from the Center for Responsible Lending joins Bruce as they discuss what CRL is doing to protect consumers against subprime loans.

Paul A. Leonard directs the California operations of the Center for Responsible Lending, a national policy and research organization working on lending issues affecting low-wealth households. The Center is a non-profit, non-partisan research and policy organization dedicated to protecting homeownership and family wealth by working to eliminate abusive financial practices. CRL is affiliated with Self-Help, one of the nation’s largest community development financial institutions. CRL has offices in Durham NC, Washington, DC and has recently opened its California office in Oakland.

Prior to joining the Center, Mr. Leonard was an independent policy consultant working on housing, community development and social welfare issues, based in Berkeley, California. Mr. Leonard’s research topics have included the effectiveness of national housing preservation policies, gentrification in American cities, the impacts of financial modernization legislation on lending under the Community Reinvestment Act, and the impact of welfare reform in urban areas. His clients have included the Brookings Institution Center on Urban and Metropolitan Policy, the U.S. Treasury Department, the Low Income Investment Fund, the MacArthur Foundation, Bank of America, and PolicyLink.

Mr. Leonard also served as an Assistant Agency Director for Workforce and Human Services at the Alameda County, CA Social Services Agency from 2002 – 2004.

Mr. Leonard previously served as the Acting Assistant Secretary for Policy Development and Research and Deputy Assistant Secretary for Policy Development at the U.S. Department of Housing and Urban Development from 1994 through 1998. Prior to his appointment at HUD, Mr. Leonard was a senior research analyst at the Center on Budget and Policy Priorities, a non-profit policy and research organization in Washington DC.

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Rick Sharga with RealtyTrac #6 3-10-07

Vice President of RealtyTrac, Rick Sharga, returns to continue the conversation from last week. Learn how RealtyTrac got started and more on foreclosure numbers, lending practices and trends.

Rick joined RealtyTrac in 2004 as the Vice President of Marketing. He is responsible for building and maintaining the RealtyTrac brand, corporate positioning and messaging, public and investor relations, and marketing communications activities. As a spokesman for the company, Rick has been quoted extensively in the press on foreclosure, mortgage and real estate trends, and appeared on NBC Nightly News, CNN, CBS, ABC World News and NPR.

Prior to joining the company, Rick spent more than 20 years developing corporate and product branding strategies for technology start-up companies and international corporations such as DuPont, Fujitsu, Hitachi and Toshiba. Rick created and executed successful sales and marketing programs in B2B, technology, consumer electronics and retail for companies like JD Edwards, Philips, Cox Communications and Honeywell.
Rick began his career with one of the world’s largest ad agencies, Foote, Cone and Belding, and also had successful engagements with Ketchum Communications and McGraw-Hill. He founded his own consulting firm, CJ Patrick Company, in 2002 to help companies develop business and brand strategies that clearly communicate a unique value proposition, create a position of competitive advantage, and leverage the strength of their brands in the marketplace.

A nationally-recognized speaker on Branding, Rick spends his spare time taking Tae Kwon Do classes with his 10-year-old son, and trying to keep up with his increasingly-mobile 4-year-old daughter. He also continues in his lifelong quest to find the perfect wine to compliment his BBQ'd baby back ribs.

Listen to Rick Sharga Part 2

Rick Sharga with RealtyTrac 3-3-07 #5

Vice President of RealtyTrac, Rick Sharga, speaks with Bruce on current foreclosure trends and what the shift in numbers could mean. RealtyTrac is the nations largest foreclosure listing service.

Rick joined RealtyTrac in 2004 as the Vice President of Marketing. He is responsible for building and maintaining the RealtyTrac brand, corporate positioning and messaging, public and investor relations, and marketing communications activities. As a spokesman for the company, Rick has been quoted extensively in the press on foreclosure, mortgage and real estate trends, and appeared on NBC Nightly News, CNN, CBS, ABC World News and NPR.

Prior to joining the company, Rick spent more than 20 years developing corporate and product branding strategies for technology start-up companies and international corporations such as DuPont, Fujitsu, Hitachi and Toshiba. Rick created and executed successful sales and marketing programs in B2B, technology, consumer electronics and retail for companies like JD Edwards, Philips, Cox Communications and Honeywell.
Rick began his career with one of the world’s largest ad agencies, Foote, Cone and Belding, and also had successful engagements with Ketchum Communications and McGraw-Hill. He founded his own consulting firm, CJ Patrick Company, in 2002 to help companies develop business and brand strategies that clearly communicate a unique value proposition, create a position of competitive advantage, and leverage the strength of their brands in the marketplace.

A nationally-recognized speaker on Branding, Rick spends his spare time taking Tae Kwon Do classes with his 10-year-old son, and trying to keep up with his increasingly-mobile 4-year-old daughter. He also continues in his lifelong quest to find the perfect wine to compliment his BBQ'd baby back ribs.

Listen to Rick Sharga

Craig Hill with The Norris Group #4

Bruce speaks with Craig about the hard money loan business, how they met, how they work together, and what Craig bring to the table as a money partner.

Craig Hill has over 20 years experience in the mortgage Business. Craig met Bruce Norris in 1990 and started funding his purchases, along with other investor purchases. Craig and his loan administrator of 20 years, Robyn Alhadeff, joined The Norris Group in 1996. Together they started the Loan Business for the Norris Group where the have funded over $150 million for wholesale deals.

Craig is best known for his no-nonsense approach to the business and has no problem telling investors they don't have a deal. Craig has saved many junior investors from making marginal buys.

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Andrea Jennings #3 2-17-07

Learn how Andrea and Bruce met and how they have been working together for the past several years. Andrea talks about the current market place and how she's adjusting.

Teamed with her husband, Brad, Andrea Jennings is an award winning realtor with RE/MAX All Stars, consistently placing in the 100% club. She is also Quality Service Certified and considers her clients goals and needs as the most important aspect of the service she provides.

Andrea started her real estate career in the early 1990’s and began working with Bruce Norris in 1993. They have worked together since their first meeting.

From 1996 until 2002 Andrea owned and operated her own successful real estate business. In the last downturn Andrea worked as both and agent and investor, which give her a valuable insight into what an investor needs to realize a profit from a property.

Having worked closely with many investors, Andrea is well versed in the diverse needs of both seasoned pros and first time investors. To learn more about the services Andrea and Brad provide, as well as client testimonials, please visit their website at www.andreaandbrad.com

Listen to Andrea Jennings

Update: Since this show aired, Andrea has now become a permanent part of The Norris Group team pursuing relationships with REO Brokers, Asset Managers, and selling properties The Norris Group finds.

Scott Whaley 2-10-07 #2

Learn what Scott has been up to with his new Real Wealth University, how he got started in the business, and how the market has shifted in the past year.

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01-TNG Radio - Bruce Norris 2-3-07

This is where it all begins. In January of 2006, Bruce Norris wrote the California Crash report predicting the market correction in California real estate through 2010. The extensive report (over 400 pages) predicted California would see foreclosures increase by 3,000%, prices could see a 30% decline state wide, and that Califoria would see builders and lenders go out of business.

Bruce debates and speaks regularly throughout California to Realtors, builders, and investors. The radio was created to add to the growing list of Norris Group resources to provide real estate professionals the no-hype news and information they needed to make wise business decisions.

Bruce kicks off the program telling the audience what to expect in the current market, why he thinks the market is in for such trouble, and how the radio show will address issues faced by California real estate investors.

Bruce Norris is an active investor, hard money lender, and real estate educator extraordinaire with over 25 years experience. Bruce has been involved in over 2,000 real estate transactions as a buyer, seller and money partner. Renowned for his ability to forecast real estate market trends and timing, the release of The California Comeback in 1997 gained him much notoriety and its accuracy of the extensive report led many California investors to financial freedom. His latest release, The California Crash is an in-depth look into the coming California market correction and the statistics behind Bruce's predictions.

Bruce speaks often at investment clubs throughout Southern and Northern California and has also been a guest speaker at the Learning Annex, Real Wealth Expo, Foreclosures.com and several other national investment clubs and investor events. He has contributed articles to many real estate magazines and newsletters including Creative Real Estate Magazine, AOA Magazine, and the Daily Commerce. He has also been featured in The Wall Street Journal, The New York Times, Fortune, Money Magazine, The Orange County Register, and many others.

Bruce is currently on the Board of Advisors at Chapman University’s Roger C. Hobbs Institute for Real Estate, Law and Environmental Studies.

Listen to Bruce Norris on the TNG Real Estate Radio Show