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  • 00:23

    Financial elder abuse overview under California law

    in Legal

    Introduction


    Financial elder abuse is on the rise in California.  People are living longer due to advances in science, medicine, health, fitness and nutrition.  At the same time, "seniors" (those over 65 years of age - which is still relatively "young" if you think about it) are some of the sole survivors of the "mortgage meltdown" and they are oftens the victims of financial fraud and "elder abuse."  This husband and wife podcast discusses what elder abuse is, how to spot it, and the types of legal claims we handle as a California financial elder abuse law firm.


    Common perpetrators of financial elder abuse 


    1.  Attorneys (these professionals are in a position of "trust" and "confidence" and can unduly influence, coerce,  misinform and cause seniors to make very bad financial decisions that can affect real estate, and stock portfolios).  Attorney malpractice is another common claim in this area.  We have seen "counseling" that has resulted in the loss of substantial equity in residential and commercial real estate estate.


    2.  Car dealerships (Car dealerships can try to "steal your trade" or engage in "bait and swtich advertising" or sock you away in a car loan that


    3.  Friends


    4. Insurance


    5. Family (kids who see their parents as easy targets).  


    6.  Mortgage brokers (lenders and loan officers can sock a senior away - and take exorbitant loan fees - to steer an elder into an unconscionable predatory loan (ex. a negative amrotization or "option arm loan") or fail to advise as to the advisability (or non-advisablity) of a reverse mortgage.  These fees can be "taken" in bad faith resulting in serious daamges to an elder.

  • 00:16

    Chris Markowski--Financial Fraud Is the World's Second Oldest Profession #2764

    in Finance

    Christopher Markowski, America’s Watchdog on Wall Street uses his expertise to dissect the fraudulent companies and can elaborate on the ways to get the most credulous information from top-notch financial institutions.


     


    Time and time again we have seen Wall Street companies being ousted for their fraudulent business practices. Just recently five Wall Street banks were charged with a $5 billion dollar fine for rate rigging. How is this supposed to make the average consumer feel? Who is really helping and who is just out to steal?


     


    It seems as if every financial company is secretly out to get the consumer making it more important than ever to find a company with your best interests in mind.


     

  • Stop Child Abuse Now (SCAN) - 1170

    in Self Help

    Tonight's special guest is Vanessa McNeal from Cedar Falls, Iowa, 22, a child abuse and sexual assault survivor, NAASCA activist and documentary filmmaker. Her goal is to help other people heal and to spread awareness on the issues of child abuse and trauma. NAASCA needs MORE young folks in recovery like Vanessa! Growing up, Vanessa a lot of family violence until she was around five years old. Her father would leave the house voluntarily or because her mom would kick him out because of the fighting. "That left me and my older sister home alone with my mom who was very involved in the party scene," she writes. "I wasn't taken to school regularly so I became far behind in school to the point where I had to be placed in a special class for kids that were behind." Vanessa goes on, "Due to the lack of parental supervision I was placed in compromising positions with compromising people. I was exposed to men and drugs. There was a lot of DHS involvement and police intervention. My needs were not met adequately." Her grandmother eventually gained custody of all four siblings. "I was molested by my 2 older female cousins and by my older sister. There were times I went years without talking to my mother. We eventually began having a consistent healthy relationship around late high school." Vanessa's doing better now. "I struggled most of my life thinking that no one would want or desire me because I thought my own mom did not." She concludes, "I am in a wonderful place in my life right now and I have never been happier."
     

  • 01:25

    Stop Child Abuse Now (SCAN) - 1167

    in Self Help

    Q & A Night - You'll suggest the themes for tonight's show, which will involve any topic from the world of public safety, violence prevention, and child abuse and trauma. Special co-host Dr. Debra Warner, Psy.D., a Los Angeles based Forensic Psychologist will lead the discussion. ~~ NAASCA is pleased to announce that Debra will be making regular special co-host appearances on upcoming Tuesday night question-and-answer style community participation shows. An educator and violence prevention expert, Dr. Warner will assist SCAN host and NAASCA founder Bill Murray field questions and lead a variety of topic discussions suggested by our call-in participants. Debra's understanding of the issues of child abuse and trauma spring not only from a professional perspective, but also from a personal one. Multiple members of her own family have been victims of predators. She'll share how she's participated in their struggle with surviving and thriving. ~~ Everyone's invited to engage on tonight's show .. on the phone or in SCAN's ever-present community chat room. ~~ Please visit our website: www.NAASCA.org

  • 01:21

    Stop Child Abuse Now (SCAN) - 1168

    in Self Help

    Tonight's special guests are Alan and Barbara Cohen from Connecticut, husband and wife. He's an attorney and author (aka Avi Morris) who's written about the experience of being a foster father in his book "Crocodile Mothers Eat Their Young". Barbara's a now-retired teacher, a middle-school language arts and literacy specialist who continues to teach adult literacy classes. It was her observations of children being removed from abusive homes that led the couple to become foster parents. They began fostering teens after their own three sons were grown and on their own. Their experience with a girl and her sister became the models for the novel's main characters, which has led them to become speakers at various foster care foster care and child abuse advocacy groups. Alan and Barbara's family has not been immune from the ravages of child abuse and trauma. Their niece survived the abuses of her grandfather, but is now a major success story. There were extreme bumps along the way, including she and her younger brother becoming wards of the state after falling into drug abuse. She attempted suicide twice before age 17, and was sent to a year long rehab. When she emerged she was dedicated to sobriety, finished high school with a GED, and got straight "A"s in a community college. Her brother, who Alan and Barbara fostered, is the other side of the coin. He is still struggling with drug abuse and in the process lost an academic scholarship to a good university. "In the meantime," Alan reports, "the grandfather's abuse pretty well tore apart the whole immediate family. There are many victims of one person's abuse."

  • Stop Child Abuse Now (SCAN) - 1166

    in Self Help

    Tonight's special guest is Kari Kelley from Sunnyvalle, CA, a child abuse survivor, advocate and author. Kari shares from her past childhood abuse how she learned to heal the core wound that was key in helping her move forward. Born in Southern California, Kari was conceived as a consequence of her mother being violently assaulted. Kari was adopted twice; once at 9 months old and again at 4 years old. Kari spent her life in this family being abused and neglected. Her experiences in these families left Kari wounded, battered and legally blind. Like so many others who have lived through similar situations, Kari spent years living as a victim until she discovered a deep inner strength and a purpose. She turned her childhood ordeal into an opportunity. She now inspires and assists people to overcome adversity in their own lives. Kari offers support through her Restore Your Resilience program which helps women overcome the struggle of being abused as children. She's been a featured speaker, author and vocalist on a wide variety of stages, panels, radio and TV shows across the United States. She has published her autobiography entitled "Black, Blind and Female." Kari is also featured in the May 2014 issue of Landmark Insights, about the creation, production and performance of her one woman show “Somebody Else's Child”.

  • 01:31

    Stop Child Abuse Now (SCAN) - 1164

    in Self Help

    SPECIAL TOPIC Night - "Child Abuse, Trauma and 12-Step Recovery" - STEP 6 (and we'll include a bit about TRADITION 6) - SCAN host Bill Murray will be joined by special guest co-host Rivka Edery, MSW, LCSW, author of the book “Trauma and Transformation: A 12-Step Guide." Bill founded the recently launched Adult Survivors of Child Abuse Anonymous (ASCAA). Together they will lead tonight's discussion on STEP 6: "Were entirely ready to have God remove all these defects of character." ~~ Taking this step did not seem at all appealing to me. The way I processed my fears was by asking which parts of me I thought would be removed, and was I afraid of having to live a life without these very necessary parts of myself. My fear was that this meant I had to become someone fundamentally different from my basic personality and nature. This was because I believed that I was defective, and who I was must be problematic. This too, is another tragic result of trauma and victimization. It is not the intent of Step Six at all. ~~ A child abuse survivor herself, Rivka Edery is grateful for the spiritual recovery she found in the 12 Steps of AA. She's been active in the 12 Step community for over 17 years. Bill Murray credits his 30 plus years of recovery to the spiritual power of the 12 Step program, too. ~~ Join us every two weeks to further examine a 12 Step approach to recovery from abuse. Next show we'll address STEP 7 & TRADITION 7. ~~ Please see our web page at: www.NAASCA.org/Trauma-12Step or write to Rivka at: rebecca.edery@gmail.com

  • 01:29

    Stop Child Abuse Now (SCAN) - 1163

    in Self Help

    Tonight's special guest is Justin Hoekman from Chicago, a returning NAASCA family member. Justin endured a childhood filled with sexual, physical, mental, verbal and emotional traumas. As an infant, Justin was adopted into a Christian Reform family of foster parents, and a younger sister was adopted when he was a toddler. Sexual abuse and molesting began when he was 3, and his 13 year-old cousin "played doctor" with him starting at the age 6. When he was 10 he was sexually abused by a family friend. This abuse went on for 2 1/2 years. Justin's dad physically abused him for a decade and he has vague memories of his dad sexually abusing him as well. His mother often witnessed his father's physically abuse but did nothing to stop it. Justin left the house at 17, but he'd begun using drugs to escape the reality of his home. "I have always felt less than, unimportant, and have hated myself for a long time," said Justin. "Currently, it is difficult for me to trust others. I am diagnosed with chronic depression and anxiety." But he now works the 12 step Narcotics Anonymous program, and has a wonderful therapist. "While I am no longer in contact with my parents, my sister and I remain very close. As a child when my dad was beating me, my sister was my saving grace, she would scream and my dad would stop." After working on himself for a number of years Justin's made great progress and hopes to return to school to become and LCSW, a therapist with his own practice. As he says, "I would like to help in anyway I can whether that be a child advocate, helpline, sharing my story, or anything else." He goes on, "All of the horrible things I endured I believe happened so that I may help other overcome and be a survivor of childhood abuse."

  • 01:32

    Stop Child Abuse Now (SCAN) - 1162

    in Self Help

    SPECIAL TOPIC: Lauren Book -- Here's a reprise of an appearance by one of our more popular NAASCA family members, Lauren Book, from SCAN Episode 255 in 2012. Along with her father, Ron Book (SCAN Episode 270), she's gone on in the last several years to promote educating parents and kids about the issues and dangers of child abuse. Here's the show description from 2012: Tonight's SPECIAL GUEST is Lauren Book, 27 year old founder of "Lauren's Kids," was a victim of childhood sexual abuse for six years at the hands of her nanny. Lauren has just completed a 1500 mile walk across her home state of Florida, the third such journey she's accomplished. This time she spent 39 days on the road, one day for each million of the 39 million Americans who have already suffered child abuse. Fully 10 years into her healing journey, Lauren is an outspoken and knowledgeable advocate for the issues of child abuse. Knowing that 95 percent of sexual abuse is preventable through education, Lauren seeks to turn her experience into a vehicle to prevent childhood sexual abuse and heal survivors. Lauren's organization educates adults and children about sexual abuse topics through an in school curriculum, a 24-hour Crisis Hotline and speaking engagements around the country. The organization also provides more than 4.5 million educational and awareness materials statewide through direct mail every year. The ultimate goal is to prevent sexual abuse through awareness and education, and to help survivors heal with guidance and support. Among her many admirers (and a blogger on Laura's web site) is Maria Shriver. Describing herself as a survivor, thriver and warrior against abuse, Lauren says, "I survived, I'm ok .. because it's always ok to tell."

  • Digging Deeper Into Your Financial Plan

    in Finance

    Find out where to invest your energy when crafting your financial plan.  Too often, investors waste time trying to control things they can't, while ignoring ways they can improve their financial plan.  Learn what you can do that can most impact whether you reach your financial goals.  Get ready to dig deeper into your financial plan!

  • What is Financial Advice For Men - FA4M Radio Show all about?

    in Finance

    Tonight we will summize what "Financial Advice For Men - FA4M Radio Show" will be all about. Our goal is to educate men of all ages and backgrounds. Regardless of your generation FA4M is for you... On FA4M you will learn about the following;



    Health = True Wealth - Being healthy is the paramount foundation in reaching all your goals in life. Without health we are nothing, without health we will be limited to what we can achieve. Health above all else comes first on your goals (bucket list). What is true Health? Being sound of mind (positive outlook on life), using logic and critical thinking, feeding your body the proper nutrition to meet the demands of each day, excercise you mind and body which is vital, being aware of your emotional and spiritual needs , replenishing them as often required.
    Finances - Here on FA4M, you will learn about loans (mortgages, 2NDs, HELOCs, Hard Money, , FHA, VA, CON, JUMBO, DTI, APR & more), stocks, fiat currency/ies, precious metals, and much much more!!!
    Real Estate - You will learn about single family homes, multi-units, condos, townhomes, Lots and land, land development and much more...
    Technology - Network/IT, Telephony/VOIP, Structural Cabling Structure/SCS, iDAS, Electrical, Solar Power, programming & coding/Software, and much more.
    Career Paths - Talk about current career opportunities currently available and most beneficial to you...
    And much more - Topics that are relevent that will promote your well being.