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  • 00:10

    Legal issues with Second mortgage foreclosing in California

    in Legal

    Can my second mortgage foreclose on me if I am not current on loan payments?


    This is a question my real estate law office hears quite frequently.  The simple answer is YES, your second mortgage or HELOC loan can foreclose on your if you are not current on your loan payments. Your HOA can foreclose on your as well if you have delinquent HOA liens.  So it is important to try to keep these things current so you do not lose your home to foreclosure.  Attorney Steve discusses this topic, and also presents a WARNING TO AVOID A SECOND MORTGAGE SCAM of paying the wrong party.


    Some other important issues to keep in mind are dicsussed on this show, for example:


    1.  The California "one-action rule" (second mortgages suing you on the note before exercising on the "security first"


    2.  Failure of new loan servicer to send you a notice of transfer of loan servicing rights (RESPA)


    3.  Failure to provide notice of change of ownership (for example if someone "buys your note" at a promissory note sale) (


    4.  The need to send FDCPA "debt validation" letters and QWR (Qualified Written Requests to make sure you do not get scammed)


    Listen in to the show for valuable information that might possibly help you save your home from foreclosure and preserve any equity you might have in your property.


    Don't forget to watch our real estate youtube channel for foreclosure videos (make sure to Subscribe by clicking on the Red "V")


     

  • 00:45

    Wayne M. Wormley. Diversity 3.0 or Are We Diverse Yet?

    in Business

    Beginning in the 1980’s, with the increased awareness of the changing demographics of the U.S. workforce, diversity entered the workplace vocabulary to describe all the things that make us human, both differences and similarities, and may impact performance and productivity.  Now, some thirty years later we as a society continue to struggle with various dimensions of diversity, including race, gender, generational differences in values and work ethic, sexual orientation, religion political affiliation, and basic values.  Corporations now talk about employee engagement and inclusion, instead of managing diversity per se, and still find it difficult to attract and retain the best and brightest talent.  Our discussion will focus on the past, present and future of living and working with one another as human beings, and where we seem to be headed.


    Wayne M. Wormley, President, The Wormley Company


    The Wormley Company, has an extensive network of consultants and trainers, provides clients with cost-effective solutions to interpersonal and organizational performance and productivity issues, by creating a work environment in which everyone can do their best work and achieve their full potential. They also work with entrepreneurs and small businesses to help them become profitable, going concerns, through coaching, advice and guidance.


    www.linkedin.com/pub/wayne-wormley/5/394/575

  • 00:35

    Guest: Lou Rodriguez, President, Rodriguez Consulting, LLC.

    in Business

    Lou Rodriguez, President, Rodriguez Consulting, LLC.


    Rodriguez Consulting LLC. is a design, geospatial and infrastructure management firm focused on providing exceptional services and employing cutting-edge technologies and processes for clients in the federal, state/local and private sectors.


    www.rodriguezconsulting.biz

    Lou Rodriguez is the president of Rodriguez Consulting LLC, an award winning professional engineering and land surveying firm which he founded in 2007. Rodriguez provides innovative civil engineering and geospatial solutions for our Nation's infrastructure. Rodriguez is also a certified SBA 8(a), minority-owned (MBE) and disadvantaged business enterprise (DBE). Lou is a professional civil engineer with over 20 years of civil engineering and information technology experience primarily focused on water infrastructure and GIS.

    www.linkedin.com/in/lourodriguez

    www.twitter.com/Rodriguez_LLC

  • 00:35

    Intersectionality & Diversity in the Tech Industry: Challenge of Silicon Valley

    in Business

    This interview is a three-way discussion between the host, Franne McNeal, the author, Dr. Fay Cobb Payton and Dr. Wayne M. Wormley.


    Dr. Fay Cobb Payton published a book in 2014 entitled: Leveraging Intersectionality: Seeing and Not Seeing, in which she discussed digital and social inclusion in technology oriented fields. Her work is a reflection of the earlier diversity efforts (from the 80’s and 90’s to the new millennium), to create productive and healthy work environments that naturally attract the best and brightest talent, globally. Here we are in 2015 and we see these efforts have not succeeded, especially in technology oriented/STEM fields.

    Guest: Dr. Fay Cobb Payton, Founding Director, MyHealthImpactNetwork, a social network experience that focuses on health disparities and social media technology interventions. @MyHealthImpact provides “voice” for the millennial generation about health, culture and technology innovation topics. www.MyHealthImpactNetwork.org, https://www.linkedin.com/in/drfay, www.twitter.com/MyHealthImpact



    Guest: Dr. Wayne M. Wormley, President, The Wormley Company, an extensive network of consultants and trainers, that provides clients with cost-effective solutions to interpersonal and organizational performance and productivity issues, by creating a work environment in which everyone can do their best work and achieve their full potential. www.linkedin.com/pub/wayne-wormley/5/394/575

  • 00:27

    Zach Stone. Tips for Creating a More Resilient Workforce.

    in Business

    Gallup research shows that 70% of American workers are either disengaged from work or hate their job. Join us to uncover techniques used by one ofthe nation's leading resiliency building firms to improve workforce productivity.  Zach Stone, Chief Strategy Officer, Red Kite Project shares his expertise on fostering healthy culture, creating meaning, and top mistakes that get in the way of organizational success.


    Zach Stone, Chief Strategy Officer, Red Kite Project

    Red Kite Projects help innovative companies in healthcare, transit and crisis management fields that struggle with employee burnout, high absenteeism, and performance problems, so they can improve the resiliency of their workforce, and improve their bottom line. 



    www.RedKiteProject.com



    Zach Stone holds a degree in Counseling and Behavioral Health from Drexel University and certificates in crisis intervention, victim/offender conferencing, addiction studies, and human services. He specializes in resiliency building, conflict management, and violence prevention. Zach Stone has spent the last decade as a mediator, facilitator, and corporate trainer and coach. He has worked in a variety of environments including the prison system, government, universities, NPO's, and corporations. He has presented lectures and workshops on a variety of topics to many organizations, including the International Coaching Federation, the Association for Conflict Resolution, and University of Pennsylvania. He is on staff at Drexel University in the Behavioral Health Counseling department.


    www.linkedin.com/pub/zach-stone/13/786/67b


    www.twitter.com/RedKiteProject

  • 00:29

    Guest: Brigitte Daniel, Executive Vice President, Wilco Electronic Systems, Inc.

    in Business

    Brigitte Daniel, Executive Vice President, Wilco Electronic Systems, Inc.


    Wilco Electronic Systems, Inc. helps low income and underserved families that struggle with accessing and purchasing cable technology and broadband services so they can obtain affordable services available in the home.


    www.wilcoinc.com


    Brigitte Daniel is the Executive Vice President of Wilco Electronics Systems, Inc., an African-American privately owned cable operation. For over 30 years, Wilco has provided affordable cable and technology services to low income communities in Philadelphia. Brigitte is an appointed member of the FCC’s Federal Advisory Committee on Diversity in the Digital Age, a 2011 Eisenhower Fellow, and was recognized in 2014 as one of the “7 Brilliant Women in Tech” according to Craigslist founder, Craig Newmark.

    www.linkedin.com/pub/brigitte-daniel/2/483/5b8


    www.twitter.com/BrigitteDaniel

  • 00:32

    Guest: Tonya Harris, CEO, MACCS Health Services, LLC.

    in Business

    Tonya Harris, CEO, MACCS Health Services, LLC.

    MACCS Health Services, LLC. helps school administrators keep sick children safe by providing school nurses and health education workshops. We also help schools maintain compliance with state health mandates so that they fully qualify for financial reimbursements.


    www.maccs-pa.com


    www.maccschildrensfund.org


    www.livefitco.org


    Tonya Y. Harris is CEO of MACCS Health Services, LLC. and Executive Director of MACCS Children's Fund and Live Fit Coalition. Ms. Harris was educated in the Philadelphia public school system and is an alumni of Community College of Philadelphia, Thomas Jefferson University School of Nursing and Saint Joseph's University. Ms. Harris is a divorced mother of five & grandmother of eleven that enjoys spending time with family, supporting the arts and empowering others to reach their full potential.

  • 00:28

    Guest: Wayne M. Wormley, President, The Wormley Company

    in Business

    Wayne M. Wormley, President, The Wormley Company


    The Wormley Company, with our extensive network of consultants and trainers, provides clients with cost-effective solutions to interpersonal and organizational performance and productivity issues, by creating a work environment in which everyone can do their best work and achieve their full potential. We also work with entrepreneurs and small businesses to help them become profitable, going concerns, through coaching, advice and guidance.


    Wayne M. Wormley has been active for 3+ decades as a management consultant and trainer to business, industry, government and the not-for-profit sectors. He holds degrees from Amherst, the Stanford Graduate School of Business and the Stanford Graduate School of Education. He completed the OSD/Becoming a Better Intervener Certificate Program at the Gestalt Institute of Cleveland and was an Examiner for the Keystone Alliance for Performance Excellence (KAPE). He has taught management and leadership courses at various universities.

    www.linkedin.com/pub/wayne-wormley/5/394/575

  • 00:27

    Guest: Katie O'Neill, Co-Owner, Mushmina

    in Business

    Katie O'Neill, Co-Owner, Mushmina


    Mushmina employs fair trade artisans in developing countries. We find a market for their crafts while providing our US customers with an opportunity to contribute their purchasing power to our social mission.


    www.mushmina.com


    Katie O'Neill graduated from the University of the Arts in Philadelphia with a BFA in Crafts in ‘04. She built her career as an independent jeweler, stylist and visual merchandiser for H&M in New York City. She studied Cultural Anthropology with a focus on handicraft in Mali and Morocco. Katie and her sister co-founded Mushmina in ’09 in which she serves as designer and creative director of their fair trade fashion brand and retail stores.


    www.linkedin.com/pub/katie-o-neill/59/82/3b4

    http://www.twitter.com/Mushmina

  • 00:22

    Ray Jones. Creating a Win-Win When Securing Contracts.

    in Business

    Ray Jones, President, We See You, LLC.


    We See You, LLC., helps clients with security needs from physical security up to and including consultation in emergency management and disaster preparedness. Ray Jones shares his expertise on the topic of “creating a win-win when securing contracts, and the importance of being bankable.”


    www.We-See-You.net

    Ray Jones spent 30 years in Law Enforcement retiring as a Captain for a University Police Department before starting We See You LLC. He has a Master’s Degree in Administration and has a great deal of experience in emergency management and emergency operation planning. During his career he has written and planned and or participated in drills ranging from active shooter drills to all out disaster recovery drills. During his career he has worked thru out the State of NJ on several campuses. As a leader in Emergency Management he worked with Law Enforcement authorities across the state in training and planning for emergency responses. He is a certified NJ (Security Officer Registration Act) Instructor and has written emergency operation plans for private companies as well as participated in training colleges and university public safety personnel across the State of NJ. His responsibilities include but are not limited to securing contractual agreements with partners to secure locations and safeguard property. Train security officers in accordance with the SORA act of New Jersey. Train personnel of companies in safety management procedures. Work as a liaison with local authorities. Work with clients to insure protocols are being met.


    www.linkedin.com/pub/ray-jones/98/14/681     


    www.twitter.com/weseeyousecurity

  • 00:25

    Guest: Marc Coleman, President, The Tactile Group

    in Business

    Marc Coleman, President, The Tactile Group


    The Tactile Group helps government, enterprise and non-profit clients that struggle with data gathering and digital communications so that they can improve their interactions with their constituents visualize actionable metrics.


    www.thetactilegroup.com


    Marc Coleman trained in electrical engineering at Princeton University and architecture at Temple University, Marc has over two decades experience in creative direction, design, business entrepreneurship, and client relations. Marc is the driving force in developing business relations and the company’s artistic vision.


    www.linkedin.com/pub/marc-coleman/3/545/294/en


    www.twitter.com/TheTactileGroup