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  • 00:15

    Is a Little Debt Okay?

    in Finance

    In this episode I'll answer a listener question: "If you have a $4,000 loan at zero percent interest that will be paid off in 12 months, why spend $4,000 of your savings to get rid of a $333 payment?"  I've heard many variations of this question over the years.  It essentially boils down to this one: "Is a little debt okay?"  Debt is a dangerous thing and can spread like wild fire and eat up your personal wealth.  We'll dive into this in today's episode!

  • 00:29

    HIT:NBBA: Powernomics Ch4: "Restructuring Schools for Group Competitiveness"

    in Marketing

    Dr. Claud Anderson's book discusses the change of the traditional role of schools in educating Black children. Specifically, he advises Black Americans to take control of the governance of their neighborhood schools and redesign them around the needs, interests and goals of Black America.

  • 00:31

    LETS TALK REAL ESTATE

    in Entrepreneur

    Lets talk about all that there is to talk about in real estate, including being an owner bilder, resale listings, new homes, finance, loans, banks and credit unions, land not only by states, but everything from Canada to Chile and Argentina and the Caribbean. Commercial, residential, retirement and investment specials.  Auctions, land sales, buidings of all types shapes and sizes, including modular, and the new storage building conversions into homes.  How to build credit, add svings and streghten your credit standing for lenders.   Lenders who provide the best loan to value loans for newhome construction.  Control companies and how to lists!!!  Any and all varieties ofinvestments and retirement or jobs in foreign nations for those interested in living abroad while building your retirement in additon to  those who are also preparing for retirement in a foreign country!  partnering with fqmily members or friends to help build your home, vacation homes, rental homes, ski resort specials and more!

  • 00:34

    THE DAILY COMPLAINT (COUNTRYWIDE/B OF A/NATIONSTAR/LOAN MOD BREACHES/USDOJ/SEC)

    in Finance

    TODAY'S SPOTLIGHT


    COUNTRYWIDE BANK OF AMERICA PERMANENT LOAN MODIFICATION CANCELLATION FORCING WRONGFUL FORECLOSURE UNFAIR DECEPTIVE ABUSIVE ACT AND PRACTICES BREASCH OF CONTRACT CONSUMER RIGHTS VIOLATIONS CFPB B OF A SEC NY DFS SETTLEMENT COMPLAINT


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


     


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


     


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA)

  • 02:27

    O YE DRYBONES: special guest CreditMan and sis. Akilah on foreclosures

    in Current Events

    DebtRace Relationscontractsstudentscreditcredit repair
    The idea behind student loans was that the government would help students get an education they otherwise couldn’t afford. But it hasn’t worked out that way. Yes, more money has been made available to pay for education. But that new money has also seemed to contribute to a faster growth rate in school fees. So, in effect, students are having to borrow more and more to get their education. The article below seeks to provide some background to the street protest signs about student debt. As it explains, the total amount of student loans has quintupled in about 12 years, the level is similar to total credit card debt, and more and more students leave school with a heavy burden of both student loan and credit card debt.Race and student debt

    An equal proportion of white and black respondents – 46% and 45%, respectively – said that they or someone in their household has student loan debt, according to Havard of 18-29-year-olds. The number was slightly smaller for Hispanic households, at 32%.

    Money is an important factor when it comes to attending college, especially for those who have little. The majority of the IOP survey respondents, at 70%, said that financial circumstances played a role in their decision whether or not to attend school at all. The difference between race was even more stark in the breakdown of these responses, with 52% of blacks saying that it played an important role compared to 38% of whites.


    DEFINITION of 'Credit'

    1. A contractual agreement in which a borrower receives something of value now and agrees to repay the lender at some date in the future, generally with interest. The term also refers to the borrowing capacity of an individual or company.

    2. An accounting entry that either decreases assets or increases liabilities and equity on the company's balance sheet.

  • 00:46

    BENEFITS OF LIFE INSURANCE & GOOD CREDIT

    in Entertainment

    •Why certain credit & financial secrets are untold in low income communities & educational systems?


    •How can foreigners without any N. American credit history get approved for luxurious cars & homes in upscale neighborhoods [communities], but many people especially “Black African-Americans” are denied approval of those things even if their credit scores are above 620?


    •How can some 18-24 years old Caucasian college students without established credit afford expensive homes & cars w/o parental financing?


    *Did you know Caucasians were intentionally targeted & charged high mortgage interest rates in certain states & communities solely due to them being "Caucasians"?


    *Did you know you that most life insurance companies allow you to take a loan on your life insurance benefits after paying it up for 5 years or more or having it for 10 consecutive years or more with a record of on-time premium payments?

  • 00:17

    15 Minutes of Poetry with Emma Eden Ramos and Marymount Manhattan Review

    in Poetry

    vox poetica's 15 Minutes of Poetry returns to the air with a new episode! Featuring Emma Eden Ramos and the Marymount Manhattan Review, this episode will include original poems and a discussion of craft, particularly as it relates to the arc of a writing career and artistic development. We will touch on inspiration and discipline and we will tackle the question: why poetry? Want to hear more? Tune in at noon, Wednesday, April 29!

  • 00:35

    THE DAILY COMPLAINT (LOANCARE/MORTGAGE LOAN ERRORS/ESCROW FRAUD/UDAAP/FPI/CFPB)

    in Finance

    TODAY'S SPOTLIGHT


    LOANCARE MORTGAGE LOAN SERVICING ERRORS FORCE-PLACED INSURANCE ESCROW FRAUD FALSE CREDIT REPORTING FAILURE TO RESPOND TO NOTICE OF ERROR CONSUMER RIGHTS CFPB FDIC DOJ


    "the daily complaint"


    Every weekday we answer client complaints on The Daily Complaint to provide direction and resources for both the person complaining as well as other consumers experiencing similar issues whether it be mortgage fraud, loan servicing escrow issues, loan modification runarounds or denials, short sale refusals, deed in lieu negotiations and credit card debt collector abuses and fraud violations.


     


    I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America and Citi but yet don't appreciate the bailout that we provided in their time of need.  The debt collectors like Ocwen and Nationstar are simply just piranhas but they can be beat at their own game too just like the big banks can be defeated.  


     


    We are committed to answering consumer complaints and addressing everyday credit and debt issues on The Daily Complaint and I thank you for your continued support!


    We hope you enjoy the Show...


     


    Dana Shafman


    Managing Member


    END Consulting


    Phone (888) 234-7006 Ext 101


    Fax (888) 234-7096


    Dana@ConsultingEND.com


    Every new beginning comes from some other beginning's END!


    THE DAILY COMPLAINT - LIVE WEEKDAYS AT 8:30 AM PT (CA)

  • 00:57

    Ron Siegel Radio Network April 23, 2015

    in Real Estate

    Ron Siegel of Anaheim Hills CA, Antoinette Balta of Santa Ana, CA and Armondo  Lozano of Anaheim Hills, CA discuss: current events, financial markets, politics, and even poking fun at the rest of the media in a live radio broadcast from Anaheim CA on NBC Talk Radio. 


    Ron, Antoinette and Armondo discuss: Ron Siegel Radio Homes for Heroes program revealed; Are there Pro Bono Legal Services for Veterans; How do we “reach” Veterans to let them know there are Services and People to help them; Home Sales Skyrocketing; Can a Veteran Purchase a home with a VA Loan following Short Sale or Foreclosure; Proceed with Caution on Payday Loans; Mortgage Minute; Your Credit Matters; Real Time Real Estate; Word on Wealth; The SLT will Provide a Complementary Real Estate Action Plan (R.E.A.P.) Semi-Annually, and so much more.


    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.SiegelLendingTeam.com


    ·         Twitter: @RonSiegel


    ·         www.Facebook.com/RonSiegelRadio

  • 01:16

    College Grad Special Mortgage Loan Program

    in Real Estate

    I'll you how this program works for our over debt College Grad to get the American dream.. News, some music...

  • 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.