With credit card debt exploding, interest rates rising and banks failing, you may not think that title insurance and national settlement services are a big concern to consumers and lenders.

Just the opposite is true. In many instances knowing what kind of title insurance to obtain, when to file a title claim and how to use title companies to protect both lenders and borrowers subject to a lawsuit, can be a game changer that will save your “legal hide."

For Lenders, GSEs, and investors who are now sitting on toxic loan portfolios that have been in forbearance or workout status for years, the day of reckoning may be coming. Just as free and easy money masked a multitude of problems for Banks that invested poorly in T- Bills and T-Notes, so may the “other shoe drop,” as Lenders sitting on non-performing commercial and residential RE loans, as well as Lenders and GSE’s holding unsecured PPP and EIDL loans, may have to face the music that the assets are not worth nearly what they are booked for on the balance sheet.

Join Spencer as he interviews Randy Fernando of Property IQ National Settlement Services as they discuss these issues, how you can protect and prepare, and whether the recent failures of SVB, Signature Bank and the fire sale of Credit Suisse, are just the tip of the iceberg.

Disclaimer: None of the legal, or financial opinions or information expressed in this podcast may be relied on as legal, or investment advice by Scheer Law Group, LLP. Laws and economic issues affecting the subjects of this podcast change daily. This mandates specific review of legal or economic issues of interest or concern to you with legal counsel or financial advisors who are experienced in the areas of law or finance discussed in this podcast.

For more on Scheer Law Group, LLP, go to www.scheerlawgroup.com

There are a host of new laws and regulations that are in play in 2023, and failing to take note will cost you money and will raise the chances that you will face legal liability.

Mix in economic and real estate trends that raise volatility and uncertainty, and you need reliable and updated information. SLG Aims to bring that to you.

Stay tuned as SLG covers trends in the real estate market:

• RE pricing and economic trends.
• New laws in 2023 governing foreclosure sales and resales of foreclosed properties. Lenders, Trustees and Property Purchasers: Beware!
• Restrictive Consumer Laws Mandating licensing and disclosures to consumers and the impact on:
  1. Landlords
  2. Lenders
  3. Debt Buyers.
• Bankruptcy Laws and how they effect:
• How you hold title to your real property.
• Mechanics lien rights
• And more!

Don’t learn the hard way, after you are sued. Prepare now and listen to SLG attorneys as they take you into 2023, with new laws and trends affecting RE.

Disclaimer: None of the legal, or financial opinions or information expressed in this podcast may be relied on as legal, or investment advice by Scheer Law Group, LLP. Laws and economic issues affecting the subjects of this podcast change daily. This mandates specific review of legal or economic issues of interest or concern to you with legal counsel or financial advisors who are experienced in the areas of law or finance discussed in this podcast.

For more on Scheer Law Group, LLP, go to www.scheerlawgroup.com

The fall of Crypto King FTX may be the beginning of the end of rampant speculation in cryptocurrencies. What was originally thought to be a way out of government regulation and oversight may turn out to be the catalyst for the most intrusive and far-ranging government regulation of your finances and personal information in the history of this planet.

Make no mistake: Block chain and distributive ledger technology is here to stay. It is the next wave of accounting and information storage and exchange. However, the marquee names for crypto currencies like Bitcoin, Ethereum and Tether may just have been the latest Ponzi Scheme or Tulip Mania, and may give way to sovereign controls, as governments across the planet supplant or take control of crypto currencies like Bitcoin in the name of regulation or consumer safety.

Listen to the re-release of my interview with Dr. Philippa Malmgren, economist, entrepreneur and former Presidential Advisor as we discuss these topics. Pippa is wonderfully insightfully and will give you a likely view into the future of crypto, NFTs and more so you can determine whether the rust to crypto craze is the latest Ponzi scheme or the beginning of a Brave new World, and………. Who will be the winners and losers in the Crypto World?

In our Legal Segment: SLG will examine the latest news on the FTX bankruptcy, a test run for the U.S. Digital Dollar and new regulations governing discharge of student loan debt in bankruptcy.

Disclaimer: None of the legal, or financial opinions or information expressed in this podcast may be relied on as legal, or investment advice by Scheer Law Group, LLP. Laws and economic issues affecting the subjects of this podcast change daily. This mandates specific review of legal or economic issues of interest or concern to you with legal counsel or financial advisors who are experienced in the areas of law or finance discussed in this podcast.

For more on Scheer Law Group, LLP, go to www.scheerlawgroup.com

In our Legal Segment:

“Red Alert”, as the CA 5th District Court of appeals makes charging default interest in CA a risky proposition. Learn why. Then take a few minutes to examine the state of the retail, industrial and residential rental markets in California.

In our interview segment:

Buy an Electric Vehicle or Gas Powered Vehicle? Are cataclysmic weather events increasing or decreasing in the U.S How Long Until Global Warming Can’t be Fixed? Climate Crises or Climate Hoax?

The average person in the U.S and most scientists view increasing natural disasters like hurricanes, tsunamis, coastal flooding and other natural disasters as evidence that man’s impact on the environment has accelerated global warming and climate change that threaten the existence of the planet. However, other reputable scientists and climatologists have argued that the greatest impact on the environment/climate comes from natural phenomenon i.e. the 500 hundred year drought in the S. W. U.S etc. and that man’s impact on global warming and climate change is not nearly as impacting as generally supposed.

One side argues that we must push immediately for green tech no matter what the cost to save the planet and to usher in better tech. The other side urges more gradual transition to “green tech” using fossil fuels and nuclear energy responsibly to avoid the imposition of unproven and economically disruptive agendas and to responsibly transition to ”green”

Join Spencer as he interviews Greg Whitestone a noted geologist, best-selling author and a member of the CO2 Coalition to find discuss these issues and other related questions. Whether you agree with Greg or not, you will want to hear what he has to say.

Disclaimer: None of the legal, or financial opinions or information expressed in this podcast may be relied on as legal, or investment advice by Scheer Law Group, LLP. Laws and economic issues affecting the subjects of this podcast change daily. This mandates specific review of legal or economic issues of interest or concern to you with legal counsel or financial advisors who are experienced in the areas of law or finance discussed in this podcast.

For more on Scheer Law Group, LLP, go to www.scheerlawgroup.com

This country and the world have recently emerged from one of the greatest socio-economic calamities since WWII. The pandemic, lockdowns and the resultant economic and political repercussions have accelerated social change on a magnitude that usually takes decades to occur.

Issues that have pushed their way to the forefront are:

1. Government’s need to act for the benefit of all versus the need to protect individual liberties
2. The economy, inflation and, gas prices and whether the time for Green technologies is now, or whether it should be phased in over time
3. The rights of parents to direct their children’s education vs the rights of public schools to impose social and sexual agendas
4. The rights to abortion or to limit it
5. Gun Control and Gun Rights
6. Religious liberty

All these and more have been pushed front and center, seemingly all at once. People are passionately and in some cases bitterly divided on these issues. Many question whether this nation can go on being as divided as it is on core existential issues, while millions flee to states where they believe their way of life is being protected or preserved from social and governmental intrusion.

The 2022 Midterm Elections provide a first chance for this Country to take its own temperature and to find out if there is consensus and if there are any issues can unify this nation, or if we are headed down the path of division and disunity.

In this final Episode of this Three part series on the 2022 Mid-Term Elections, join Spencer and his faithful “Wing Woman” Marti as they go across the nation to ask America one question:

Tell Every Politician in the Country What is the biggest issue of concern to you and why?

You may be surprised at what Americans have to say.

Disclaimer: None of the legal, or financial opinions or information expressed in this podcast may be relied on as legal, or investment advice by Scheer Law Group, LLP. Laws and economic issues affecting the subjects of this podcast change daily. This mandates specific review of legal or economic issues of interest or concern to you with legal counsel or financial advisors who are experienced in the areas of law or finance discussed in this podcast.

For more on Scheer Law Group, LLP, go to www.scheerlawgroup.com

Many view the upcoming 2022 midterm elections as a referendum on the direction of this nation and an opportunity for the people to make their voices heard on critical issues that will likely decide the future of our nation. The views of right and left on issues of gun control, crime, individual liberties, parental rights, and border control could not be further apart. This provides an opportunity for Americans to clearly see the differences and make their voices known.

Join Truth Serum for this three Part Series on the Elections. In the first episode we examined the issue of election integrity and if the current process is free and fair. In this second part of the series, Spencer Interviews Jim Lee of Susquehanna Polling and Research , one of the most-preeminent polling and data research companies in the nation. In a time where America is more divided than any time since the Civil War, Jim will provide polling and focus group data on the issues of most concern to Americans as we head into the November midterms elections. Don’t miss a minute of the fascinating series.

Then Tune into our Legal Segment as we review the death proposed SB1323 in California and other news of interest to lenders and investors.

Disclaimer: None of the legal, or financial opinions or information expressed in this podcast may be relied on as legal, or investment advice by Scheer Law Group, LLP. Laws and economic issues affecting the subjects of this podcast change daily. This mandates specific review of legal or economic issues of interest or concern to you with legal counsel or financial advisors who are experienced in the areas of law or finance discussed in this podcast.

For more on Scheer Law Group, LLP, go to www.scheerlawgroup.com

Many view the upcoming 2022 midterm elections as a referendum on the direction of this nation and an opportunity for the people to make their voices heard on critical issues that will likely decide the future of our nation. The views of right. Left on issues of gun control, crime, individual liberties, parental rights, and border control could not be further apart. This provides an opportunity for Americans to clearly see the differences and make their voices known.

Join Truth Serum for a Three Part Series on the Elections. First we will examine the issue of election integrity and if the current process is free and fair. Then we will examine the differences between right and left on key critical issues in play in the mid-term election. Finally, we will go across the nation to hear what the voters of this country consider the single biggest issue of concern to them and what they want done about it. Don’t miss a minute of the festinating series.

In the first part of this series Spencer will interview attorney, entrepreneur and business owner John Graves. John is a nationally recognized expert on election integrity issues and is the CEO of MillionVoices.org an association that encourage people across the nation to make their voices and concerns known. John and I will discuss concerns raised by the right and the left about the election process, if there is hope for free and fair midterm elections and what individual citizens like me and you can do to make sure it happens.

Then Tune into our Legal Segment as we review newly proposed SB1323 in California. If passed it will require that foreclosure trustees market and sell any covered property in foreclosure that has 10% or more equity!

Disclaimer: None of the legal, or financial opinions or information expressed in this podcast may be relied on as legal, or investment advice by Scheer Law Group, LLP. Laws and economic issues affecting the subjects of this podcast change daily. This mandates specific review of legal or economic issues of interest or concern to you with legal counsel or financial advisors who are experienced in the areas of law or finance discussed in this podcast.

For more on Scheer Law Group, LLP, go to www.scheerlawgroup.com

It was not that long ago that economists were touting the V-Shape Recovery. However, there is increasing evidence that a recession is in view and that it may have already begun, and that the Fed may be fighting the wrong battle by furiously raising rates now, and may have to switch back to easing to avoid a worsening recession. In our Legal Segment, Spencer cites mounting evidence that a recession may have already started. Perhaps there will be a V Shaped recovery after all. However, if the storm clouds portend rain, then now is the time to prepare. Prepare your investments, your job situation, your spending and your risk tolerance, because it is likely to be a wild ride.

Then join Spencer as he interviews Steve Stone, CEO of 1st United Services Credit Union, as they discuss the impact of the pandemic on Credit Unions, the resiliency of Credit Unions in a rapidly changing financial market, and as they take a fascinating look into the most underrated rock and roll bands of all time.

Disclaimer: None of the legal, or financial opinions or information expressed in this podcast may be relied on as legal, or investment advice by Scheer Law Group, LLP. Laws and economic issues affecting the subjects of this podcast change daily. This mandates specific review of legal or economic issues of interest or concern to you with legal counsel or financial advisors who are experienced in the areas of law or finance discussed in this podcast.

For more on Scheer Law Group, LLP, go to www.scheerlawgroup.com