Ron Siegel Radio Network

Ron Siegel is joined by Debbie Bannister and Robert Mott to discuss: Mortgage Minute: ADP National employment for beats market consensusReal Time Real Estate: Weak household formation hampers housingYour Credit Matters: June marks 20 months of declines for Foreclosure Inventory How long should I age that wine?Ron Siegel Radio Wine Club is being shipped next week Hidden Napa tasting rooms and restaurant What is a 1031 exchange? What is a Like Kind Exchange? How do I identify a replacement property? What are the time frames for a 1031 exchange? Can I exchange my vacation home? Featured Guests Debbie Bannister – Exchange Resources, Inc Robert Mott – The Wine Bar at Old Town Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRadio.com www.RonSiegelRadio.com www.Facebook.com/RonSiegelRadio www.SiegelLendingTeam.com T

Ron Siegel is joined by John GreifendorffNoah Burford to discuss:Mortgage Minute: GSE reform won’t take shape for another few yearsReal Time Real Estate: Largest states, metros post monthly improvement in MayYour Credit Matters: Jury Awards Oregon woman over $18M for errant credit reporting How does Bankruptcy and Basketball correlate? How does someone know if their house is at risk in Bankruptcy What are the recent Bankruptcy Trends Featured Guests John Greifendorff – Greifendorff Law Offices Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRadio.com www.RonSiegelRadio.com www.Facebook.com/RonSiegelRadio www.SiegelLendingTeam.com Twitter: @RonSiegel

Ron Siegel is joined by John GreifendorffNoah Burford to discuss:Mortgage Minute: GSE reform won’t take shape for another few yearsReal Time Real Estate: Largest states, metros post monthly improvement in MayYour Credit Matters: Jury Awards Oregon woman over $18M for errant credit reporting How does Bankruptcy and Basketball correlate? How does someone know if their house is at risk in Bankruptcy What are the recent Bankruptcy Trends Featured Guests John Greifendorff – Greifendorff Law Offices Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRadio.com www.RonSiegelRadio.com www.Facebook.com/RonSiegelRadio www.SiegelLendingTeam.com Twitter: @RonSiegel

Ron Siegel is joined by Melinda to discuss:Real Time Real Estate: Survey reveals ‘Aggressive’ tactics worried buyers are willing to useYour Credit Matters: July ranking shows strong performance for Northeast MarketsWord on Wealth: Eight in 10 Americans say owning is a good Financial Decision FOURTH Trimest abortion petition signed by Students IRS Employees’ Union urges members to oppose Obamacare – for themselves How do you deal with Real Estate when navigating divorce When should you start looking for a new home during the divorce process New Report, we have tuned out the President of the United States Featured Guests Melinda Johnson – Freedom First Properties Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRadio.com www.RonSiegelRadio.com www.Facebook.com/RonSiegelRadio www.SiegelLendingTeam.com Twitter: @RonSieg

Ron Siegel is joined by Paul Glowienke and Jeri Wilson to discuss: Mortgage Minute: 15 Insurance Policies you don’t need Real Time Real Estate: Hidden Costs of Downsizing a Home in Retirement Your Credit Matters: 12 Car Insurance Cost-Cutters How many children per year are diagnosed with Cancer What does pediatric cancer treatment look like now versus 1982 Less than 5% of the Federal Government’s total funding for cancer research is dedicated to childhood cancers each year Five principles of mutuality guide Paul’s practice What do we need in insurance protection Featured Guests Paul Glowienke – Northwestern Mutual Jeri Wilson – Pediatric Cancer Research Foundation Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRadio.com www.RonSiegelRadio.com www.Facebook.com/RonSiegelRadio www.SiegelLendingTeam.com Twitt

Ron Siegel is joined by Noel Dalmacio to discuss:Mortgage Minute: 26% of HAMP borrowers re-defaulted, rate continues to worsenReal Time Real Estate: Delinquency rate sees abrupt increase in JuneYour Credit Matters: Jobless claims in line with expectations Median household income has fallen by 7.25% from $55,466 to $51,500 LA Times misrepresents reality in “Reverse Mortgages can be hazardous to seniors’ financial health” What are the new simplified rules for home office deduction for business owners? How to claim 100% of meals and entertainment How to maximize car deductions How do you audit-proof yourself for the IRS What are some strategies that I can utilize to minimize capital gain when I sell my home or rental Featured Guests Noel Dalmacio – Dalmacio Accountancy Corp Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRa

Ron Siegel is joined by Rob, Robert and Noah to discuss:Mortgage Minute: FHA’s REO Disposition Strategy weak compared to GSEsReal Time Real Estate: Zillow reports Housing Recovery takes off in Q2Your Credit Matters: Fitch anticipates continued growth for housing in 2014 If you bought a Coachella Valley home in 2009 you now have roughly 46% equity Why is this a good time to sell? Southern California Home Sales in May 2013 hit 7-Year High When it is acceptable to send wine back? What is Flabby wine? Featured Guests Rob Zwemmer – Zwemmer & Associates and Luxury Homes by Keller Williarms Noah Burford – Directors Financial Group Robert Mott – The Wine Bar at Old Town Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family.  

Ron Siegel is joined by Randy Mason to discuss: Mortgage Minute: Fannie Mae maintains forecast for Faster Growth depite rising rates Real Time Real Estate: Current Homeowners increase Purchases, Investors exit market Your Credit Matters: How to consolidate your debt Regulation Nation: 100 pages of new rules regarding ceiling fans; USDA to regulate the use of Rabbits by Magicians How to Earn Tax-Free Income (Really) How do I select a Commercial Real Estate Agent Who pays the Commercial Real Estate Agent Should a Business Owner consider SBA Financing if they chose to buy a property If a business owner chooses to lease space, what are the guidelines for how much of the tenant improvements the landlord should pay for and how much the business owner should cover? Do tenants really have much bargaining power in large buildings when owned by a huge company Featured Guests Randy Mason – Commercial Realty Specialist Ron Siegel, consumer advocate and mortgage lender, discusses anything that aff

Ron Siegel is joined by John and Lisa to discuss: Mortgage Minute: Existing Home Seals dropReal Time Real Estate: Flipping on the Rise in Most Markets as Profits SkyrocketYour Credit Matters: Credit Quality Improves for Prospective Renters in Q1 Make your place of Business, Work for your Business Auditing your business landlordTenantGuardian.com Did you find the best place for your business… Buy or Lease, which is best for your company ‘Government Intervention’ drives down distressed sales in California Featured Guests John Sabourin – CB Richard Ellis Lisa Swartz – Fidelity National Title Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRadio.com www.RonSiegelRadio.com www.Facebook.com/RonSiegelRadio www.SiegelLendingTeam.com Twitter: @RonSiegel

Ron Siegel discusses: Mortgage Minute: Agency Watchdog Criticizes FHFA for Failing to Establish Clear GoalsReal Time Real Estate: Moving Do’s and Don’tsWord on Wealth: California State and Local spending rises to nearly $400 Billion per year Charles Barkley “Agrees” with Zimmerman Verdict; Hits Media for Giving ‘Racists’ a ‘Platform to Vent Ignorance’ Lew: Dodd-Frank helped save the banking system America’s 10 Best Steakhouses Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRadio.com www.RonSiegelRadio.com www.Facebook.com/RonSiegelRadio www.SiegelLendingTeam.com Twitter: @RonSiegel

Ron Siegel is joined by Marie and Lisa to discuss: Mortgage Minute: Seven Reasons with the market is toppout out: Doug Kass Real Time Real Estate: “Mean Testing” Seniors for Reverse Mortgages (Pending Legislation) Your Credit Matters: 74% of Small Businesses will Fire Workers or Cut Hours under ObamaCare Olberman returns to ESPN – But forbidden to talk politics – how long will he last AB10 would boost California Minimum wage Arthur Ashe Aware for Courage presented to Robin Roberts – Ron comments How do you know if a Real Estate Agent is good Selling Mistakes? – Pricing by emotion Why should someone use an agent What is the difference between an agent and a broker Featured Guests Marie Hischier – Home Smart Professional Partners Realty Lisa Swartz – Fidelity National Title Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@

Ron Siegel discusses: Mortgage Minute: Ben Bernanke Comments were supportive to lose money policy Real Time Real Estate: Senate Committee Proposes Bill to put FHA on ‘Stable Footing’ Word on Wealth: Wealthy College Students more likely to ‘Hook Up’ Stevie Wonder announces he will no longer perform in an state with a Stand Your Ground Law.  Does anyone care? Shadow Inventory beginning to see the light Industry increases the past for Mods, Short Sales in May, Foreclosures Fall Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRadio.com www.RonSiegelRadio.com www.Facebook.com/RonSiegelRadio www.SiegelLendingTeam.com Twitter: @RonSiegel

Ron Siegel is joined by James Bowie to discuss: Mortgage Minute: Reports suggests relaxing HARP Rules to help more borrowers Real Time Real Estate: Sale of REO Assets Lowers CMBS Delinquency Rate in June Your Credit Matters: CPI Beats expectations; Real Weekly earnings drop and below consensus What is House Flipping What do you look for when trying to find the property to meet the needs of the home flipper What effect do interest rates have on home investments What are Trust Deed Investments and what kind of return can we expect in them Featured Guests James Bowie – Alta Equities Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRadio.com www.RonSiegelRadio.com www.Facebook.com/RonSiegelRadio www.SiegelLendingTeam.com Twitter: @RonSiegel  

Ron Siegel discusses: Mortgage Minute: House Republicans Propose Act to Save Housing Finance Real Time Real Estate: Are Banks and Housing about to get crushed by rising rates? Word on Wealth: Administration warns delinquencies remain high despite decreases What affect does a Loan Modification have on your credit report Retail Sales number disappoint How do you get an extra $5,000-$10,000 on your home sales price Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRadio.com www.RonSiegelRadio.com www.Facebook.com/RonSiegelRadio www.SiegelLendingTeam.com Twitter: @RonSiegel

Ron Siegel and Christine Wilton discuss:Mortgage Minute: Heading for the student debt cliffYour Credit Matters: How to cope with the Doubling of Student Loan RatesWord on Wealth:  What older Americans can do about big student loans What Type of Student Loan to I have? Find out at www.//nslds.ed.gov/nslds_SA Is it possible to discharge student loans in bankruptcy? The answer will surprise MOST people Do federal loans have repayment options? Great information is available at www.studentloanborrowerassistance.org/ Featured Guests Attorney Christine Wilton Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRadio.com www.RonSiegelRadio.com www.Facebook.com/RonSiegelRadio www.SiegelLendingTeam.com Twitter: @RonSiegel  

Ron Siegel is joined by Tom Borsuk, Noah Burford and Lisa Swartz to discuss: Mortgage Minute: 5 Must-Know Facts about Reverse MortgagesYour Credit Matters: Public Utilities Commission fudges the numbersWord on Wealth: Senate Fails to keep student loan rates low Elder Care with Dignity Do you know the qualifications for VA Assisted Living and Care What types of Communities are available for Seniors? How does a Senior Know what services are available? Tom Borsuk will offer our listeners a FREE Consultation and he never charges you for his services Featured Guests Tom Borsuk – Assisted Transition Senior Living & Care Finders Noah Burford – Directors Financial Group Lisa Swartz – Fidelity National Title Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRadio.com www.RonSiegelRadio.com www.Facebook.com/RonSiegelRadio w

Ron Siegel discusses: Mortgage Minute: Ben Bernankes speaks after the market close today and it should be very revealing.  Be ware of the Fed induced Market Bubble on the horizon Real Time Real Estate: Shadow inventory falls 34% from 2010 peak Word on Wealth: Financial Troubles increase for households in June What do Wine Point Ratings mean? Should I follow the Wine Spectator or Wine Advocate and why? Should I avoid wines with a rating under 90 points 47% of Bankers expect Mortgage delinquencies to decrease Featured Guests Robert Mott – The Wine Bar at Old Town Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRadio.com www.RonSiegelRadio.com www.Facebook.com/RonSiegelRadio www.SiegelLendingTeam.com Twitter: @RonSiegel  

Ron Siegel is joined by Bart Zandbergen and Nick Roshdieh to discuss:Your Credit Matters: Rent Growth Picks Up in the Second QuarterReal Time Real Estate: Buying a House: The Cost if you WaitedMortgage Minute: Expectation for Rates to Rise Spikes in Fannie Mae Survey Falling inventories and Rising Prices Span Nation and West Coast Is the Bond Market in a Bubble? Is now a good time to be invest? How much life insurance do I need How will Obamacare affect me? Bart extends a special offer to Ron Siegel Radio Network listeners Nick shares his opinion of Coastal Real Estate Are we in a Buyer or Seller’s market What services can a Luxury buyer expect from Nick Roshdieh’s Team Featured Guests Bart Zandbergen – Financial Mnaagement Network, Inc Nick Roshdieh – Hom Southeby’s International Realty Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.3

Ron Siegel and Mark Mellor discuss: Mortgage Minute: Mortgage Rates Recede after Dramatic JumpReal Time Real Estate: Asking home prices show impressive gain in June, Rent pick up as wellWord on Wealth: 5 Reasons to Avoid a Reverse Mortgage Construction Defect Litigation How much can a contractor charge to start a job Latent Defects vs Patent Defects – What’s the difference Mark Mellor has a special offer for listeners of Ron Siegel Radio Network Featured Guests Mark Mellor – The Mellor Law Firm Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRadio.com www.RonSiegelRadio.com www.Facebook.com/RonSiegelRadio www.SiegelLendingTeam.com Twitter: @RonSiegel

Ron Siegel discusses:Mortgage Minute: Expect high volatility coming at the end of the week due to the upcoming Jobs report numbersReal Time Real EstateYour Credit Matters: Student-loan debt keeping first-time buyers out of housing marketRon Siegel Radio Wine Club announces the selections for July.  Amazing bargains and small vintages Review our Real Estate Projections thus far this year Featured Guests Robert Mott – The Wine Bar at Old Town Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family. Reach Ron at 800.306.1990 Ron@RonSiegelRadio.com www.RonSiegelRadio.com www.Facebook.com/RonSiegelRadio www.SiegelLendingTeam.com Twitter: @RonSiegel