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  • 00:31

    Why Mortgage Modifications Are So Discouraging

    in Finance

    Everyone has the same question in the back of their minds. The loans should be worked out rather than foreclosed. That is what is done with commercial loans, that is what was done in residential loans and it is still done with credit cards and other consumer loans. So why are we having problems with workouts and modifications?


    The answer is simple: we are not dealing with the creditor. We are dealing with an intermediary whose instructions are to get the loan into foreclosure. So they tell borrowers that they can’t qualify for a redo of their loan unless they stop paying, they say and do a lot of things that encourage the borrowers to do things that make them look like deadbeats when the case goes to foreclosure judgments. The borrowers are not deadbeats. They are victims just as the investors are victims. But we never hear from the investors because they don’t know that anything is wrong with their investments — because they are getting paid regardless of whether the “borrower” pays or not.


    Many judges have been asking two questions for years even as they give the banks the benefit of the doubt:


    (1) why is the modification process so enigmatic and random (and why are there not more workouts like it used to be in civil courts and bankruptcy courts) and


    (2) why are we seeing this shell game with first some bank or other entity claiming it is the owner of the loan, denying even the existence of the REMIC Trust, then they admit the existence of the Trust and claim the loan is owned by the Trusts, then they say the servicers have the right to foreclose and not the trusts or the investors, and then they keep switching servicers and trustees? To the Judges that ask these questions, it looks like a shell game but without appropriate pleading and evidence they can’t rule on it — or get the answers to their questions.

  • 01:00

    Total Education Q and A Tweet Live @totaltutor and Periscope @dederittman 07-31

    in Education

    The Total Tutor Neil Haley and Dede Rittman will welcome Tiffany from the Driskill Foundation.

  • 00:31

    Multi Grammy and Dove Award winner John Schlitt

    in Christianity

    The Total Tutor Neil Haley will interview Joihn Schlitt.


    For more than four decades, John Schlitt has enjoyed a stellar musical career as a solo artist, as the lead singer for Grammy Award-winning Christian band Petra, one of the most successful Christian rock bands of all time, and as the former lead singer for popular '70s mainstream rock band Head East. He has been inducted into the Gospel Music Hall of Fame as the lead singer of Petra during the years when the band won 10 Dove Awards and four Grammy Awards. Schlitt was named the best rock singer in Christian music history by GospelMusicChannel.com. According to the website, Schlitt "remains one of the most distinctive and impactful men to ever stand behind a microphone." Schlitt was also named Male Vocalist of the Year in About.com's 2011 Readers' Poll in a category that included Chris Tomlin, Jeremy Camp, Brandon Heath and Bebo Norman. 


     


     

  • 00:14

    Two Time All Pro Davin Joseph Will Discuss His Days Playing For Oklahoma

    in Sports

    The Total Tutor Neil Haley will interview NFL star Davin Joseph

  • 00:30

    Pittsburgh Steeler LORENZO FREEMAN

    in Football

    The Total Tutor Neil Haley will interview Pittsburgh Steeler Lorenzo Freeman. He will discuss his career and give his prediction for the upcoming season.


     

  • 00:13

    Celebrity Alan Thicke Will Discuss ProCon.org

    in Entertainment

    The Total Tutor Neil Haley will interview celebrity Alan Thicke.


    About Alan Thicke


    Alan Thicke is a Canadian actor, songwriter and author. He is best known for his role as psychiatrist and father Jason Seaver from ABC’s Growing Pains. He’s earned one Golden Globe® nomination and seven Emmy Award® nominations (five for writing and two for acting), composed some of the most hum-worthy TV theme songs in history (Diff’rent Strokes and The Facts of Life), penned two humor books, HOW MEN HAVE BABIES – The Pregnant Father’s Survival Guide and the sequel HOW TO RAISE KIDS WHO WON’T HATE YOU. He has also written a successful humor/Post 50 blog for Huff Post titled Boomer Monologues. Alan has been married to his wife Tanya since 2005 and has three sons from previous marriages, marijuana dispensary owner Brennan, Grammy®-winning superstar Robin, and mischievous high school student Carter. Alan (along with his family) are the stars of the hit sitcom reality show Unusually Thicke which enters its third season on Pop TV in September and is now seen in two countries (US and Canada).


     


    Work with non-profit ProCon.org


    Alan serves as the newly-appointed Ambassador for ProCon.org, a web-based, educational, non-profit public charity designed to stimulate critical thinking by providing 2 sides to every issue- the pro and the con.


     


    About ProCon.org


    ProCon.org is a 501(c)(3) nonprofit public charity. Our purpose is to provide resources for critical thinking and to educate without bias. We research issues that are controversial and important, and we present them in a balanced, comprehensive, straightforward, transparent, and primarily pro-con format at no charge.


     


     

  • Buried Past Lives

    in Spirituality

    World renowned psychic Neil Baker and host Kristin are featured on this hour long show which deals with the vast, expansive world of psychic phenomenon. This show delves into the extraordinary mysteries that reside beyond the physical realm of common experience. Neil and Kristin are your guides and teachers as they establish a stage that is both personal and universal, while callers have the opportunity to connect with Neil for one-on-one readings. The call in number for the Neil Baker Psychic Hour is 914.338.0164.


    ***ATTN.:  All content of "The Neil Baker Psychic Hour"© is protected by copyright.  No copyrighted material may be reproduced, stored for retrieval, or transmitted in any other form or by any other means without the prior written permission of "The Neil Baker Psychic Hour"© and its agents. All rights reserved. ***

  • 00:59

    Should K-12 Schools Go To Netbooks and iPads, And Eliminate Textbooks?

    in Education

    The Total Tutor Neil Haley, Jason The Public School Guy, and Jarrett will discuss this topic

  • 00:58

    Legends and Leaders College Football Podcast: Episode Two: Media Days

    in Football

    Corey and Neil preview the SEC and the ACC and talk about college football media days. 


    Also on the agenda: the sex scandal at Tennessee, FSU's off the field issues, and how to survive the last month until we see college football.


    Cheer up, folks, it is almost August, which means it is almost college football time.

  • 02:01

    Paranormal Kool Aid: Live, Free, Call-In, Psychic Readings with KEVIN ALLEN!!!

    in Paranormal

    Guess who we got to come do your physic readings tonight? That's right, our one and only KEVIN ALLEN!!! We are so excited, it's ridiculous. The man, the myth, the legend comes back to Wednesday nights for mini-readings for our listeners!  Have a question about love? Money? Your job and future? Call in: 646-929-2384


    What's your favorite flavor? Join us tonight for live, free, call-in to get your personal psychic reading! That's right people! To maximize the mid summer joy and increase the excitement for our new format~~ COMING SOON ~~we are bringing back one of our most popular and engaging segments LIVE PSYCHIC READINGS. Two of our most trusted, fast paced, public-reading prolific psychic mediums will be here to answer your calls. Three minutes with our gifted entertainers could change your life! So tune in and get ready to have your mind blown!


     


    Discussions on Paranormal Phenomena: Ghost/Spirits, Psychics/Mediums, Hauntings, Demonic Possession, Ufology, Alien Abduction, Time Travel, NDE's, Bigfoot/Sasquatch, Conspiracies & All Things Unexplained.


    Website: http://www.paranormalkoolaid.com/


    Facebook: https://www.facebook.com/ParanormalKoolAid


    Twitter: @ParaKoolAid https://twitter.com/ParaKoolAid


    Stitcher: http://www.stitcher.com/podcast/paranormal-koolaid


    iTunes: Search Paranormal Kool-Aid in the iTunes Store.


    YouTube: https://www.youtube.com/user/pkaradio


    Email us with your Questions & Suggestions: pkaradio@gmail.com


    Listen LIVE or talk to our Hosts & Guests: 1-646-929-2384


    Paranormal Kool Aid Radio is brought to you by #PKA2015  Belinda Clark-Ache, April Abercrombie, Cara Davidson, Victor Cruz, Buffy Clary, Sid Vineburg, Scott Gruenwald and Chris Medina. 


    OHHH YEAHHH!!!!!

  • 02:29

    PGT Episode #259 MSC Issues Opinion in Hartwick and Tuttle

    in Legal

    Special Wednesday Broadcast of Planet Green Trees


    Wednesday July 29 Special edition- 8-9:30pm


     


    Planet Green Trees Radio Tonight!


    Listen LIVE 8-10 pm EST at www.planetgreentrees.com or call in 347-326-9626


     


    Hosted by attorney Michael Komorn from Komorn Law and Chad from Birmingham Compassion


     


    Contributions from Rick Thompson from The Compassion Chronicles, Jamie Lowell from Third Coast


     


    Tonight- After nearly 7 months, The Michigan Supreme Court rendered its opinions in People v Hartwick and People v Tuttle.


    What does the recent Michigan Supreme Court decision actually mean?


     


    Please join us tonight to discuss with attorneys Michael Komorn, Neil Rockind, Dan Grow and others.


     


    Please post or message me with questions and concerns to discuss tonight!


     


    We will have our public Planet Green Trees broadcast at Omara's family restaurant tomorrow night at 7:30!


    Also Check in with the MILegalize campaign- Josie Scoggins


     


    Dr. Bogner- medical doctor and advocate for pediatric cannabis use for the treatment of severe autism.


     


    Jim Powers- Michigan Parents for Compassion co- founder and board member of the ballot group known as MILegalize.


     


    Retired police officer and one of LEAP's (Law Enforcement Against Prohibition) newest members- Steve Miller


     


    And- regular guest and friend of the show attorney David Rudoi of Rudoi Law, Eric Gunnels, Thetford Twp Trustee and T-Pain who .


     


    Michael's rant, news, current events and more!