Banks are banks - they got all the money (yours) and press, and clout to paint their picture as your financial friend. Are they? Do you get your best deal there? Find out today!

Got a loan? Not sure it's the best deal? Think there's smoke and mirrors? The biggest fear everyone has - or should - is that shopping tears up the credit score. Listen here as we relate a realilife adventure of a client and friend as we explain how to compare-shop and keep the credit unscathed. 12 Steps to SAFE Lender Shopping. Also available at http://www.talkshoe.com/talkshoe/web/talkCast.jsp?masterId=10690&cmd=tc. Reality Radio at its best!

This mortgage-gone-bad story is getting attention across the US as it applies to borrowers everywhere. According to an article in the Washington Post, Susan and Kevin Andrews of Cedarburg, Wisconsin refinanced their home in 2004 into what was explained - and reportedly documented - to be a 1.95% interest rate that was to be fixed for five years. It was not. The Andrews family decided to fight and eventually took the lender - Chevy Chase Bank - to court and WON, setting the table for a class action lawsuit by thousands of borrowers in the same boat. This is their story - and their caution - to the listeners of Your Home-Your Money as related in this excellent live interview. You can find the Washington Post article here: http://www.washingtonpost.com/wp-dyn/content/article/2007/02/05/AR2007020501415.html

Selling your home without a Realtor? Just a little confused? Lucky for you real estate attorney Jessica Zerbst is here to set you straight on key points of contracts and closing that FSBO deal. When was the last time you got some great advice from a sharp lawyer for FREE? If you're smart - TODAY!

Please go here on Monday, March 19th, as Bill and I host our one-hour of this this important Talk-a-Thon between 8 and 9 AM (CDT) on Monday. Thanks. 24-Hour Talkcast for Microlending and www.kiva.org - Sunday March 18th Hello Art, A 24-hour live interactive podcast charity event for Kiva (http://www.kiva.org) is being held starting Sunday, March 18th at noon on TalkShoe (http://www.talkshoe.com). The event will raise awareness and money for Kiva, web-based microfinancing organization which enables individuals to lend money to people in developing countries for starting small businesses. Below is more detailed information about the event and Kiva. Please help us spread the word. Find more information at http://www.Talkathon.org. Thanks. Dave Nelsen Founder and CEO 724.935.TALK (office) 412.779.2788 (mobile) 413.677.9117 (eFax) [email protected] Live Interactive Podcasting! TalkShoe 12300 Perry Highway, Suite 306 Wexford, PA 15090 PODCASTERS TO HOST 24 HOUR LIVE PODCAST TO BENEFIT KIVA, A WEB-BASED MICROFINANCING CHARITY Talk-a-thon to Begin at Noon on March 18th, 2007 Podcasters will unite to raise money and awareness for Kiva.org, (www.kiva.org) a web-based microfinancing charity that enables individuals to lend money to people in developing countries for starting small businesses. "Microlending is a way for those of us who have benefited from the Internet and the prosperity of the Western world to give something back," commented Dave Nelsen , CEO of TalkShoe. The 24 hour Talk-a-thon will start at noon (US Eastern Time) on Sunday March 18th 2007 on TalkShoe (www.talkshoe.com). Anyone and everyone can join in the live interactive podcast to listen, talk and text-chat. During the Talk-a-thon (www.talkathon.org) podcast hosts will raise awareness about Kiva and microlending, and ask listeners who are so inclined to contribute money to a dedicated PayPal account. TalkShoe will administer lending of this money to developing nations' entrepreneurs thru Kiva, a website that has been implemented as an efficient and effective microlending program. 100% of the funds raised, including $500 contributed by Dave Nelsen of TalkShoe, will be perpetually reinvested thru Kiva. Periodic progress reports will be given on TalkShoe’s blog. "We feel that those of us who get so much information, entertainment and community from the Internet should also explore its use to make the world a better place for all its peoples", says Randolph Resnick, who had the idea during a live TalkShoe podcast about aging and retirement. Kiva has receive accolades throughout the world from organizations including NPR, the New York Times, the BBC, PBS, ABC News, Business Week, the Wall Street Journal, CNN, The Village Voice, and the general blogosphere. The following quotes are from the Kiva website. Vinod Khosla, founding CEO of Sun Microsystems and a partner at the venture capital firm Kleiner Perkins, has called microlending "one of the most important economic phenomena since the advent of capitalism and Adam Smith." The New York Times, in its article Web-Based Microfinancing, December 10, 2006 said, “At Kiva.org, a schoolteacher in Kansas can partner with an expert seamstress in countries like Kenya, Mexico and Ecuador to jump-start a tailor shop.” “Friends and neighbors have been lending one another money forever, but as the Web makes virtual neighbors of strangers, Kiva, which is Swahili for ‘agreement’ or ‘unity,’ is harnessing the power of social networking to support micro-enterprise in the developing world,” said Business Week in A Little Money Goes a Long Way, July 31, 2006. Kiva is “…revolutionizing how donors and lenders in the US are connecting with small entrepreneurs in developing countries,” commented BBC News, March 1, 2006. About Kiva (from Kiva’s website) Kiva lets you connect with and loan money to unique small businesses in the developing world. By choosing a business on Kiva.org, you can "sponsor a business" and help the world's working poor make great strides towards economic independence. Throughout the course of the loan (usually 6-12 months), you can receive email journal updates from the business you've sponsored. As loans are repaid, you get your loan money back. Kiva partners with existing microfinance institutions. In doing so, we gain access to outstanding entrepreneurs from impoverished communities world-wide. Our partners are experts in choosing qualified borrowers. That said, they are usually short on funds. Through Kiva.org, our partners upload their borrower profiles directly to the site so you can lend to them. To unsubscribe click here. -- Listen to "Your Home-Your Money Mortgage Talk Radio" about the things that matter "second most" in your life. www.YourHome-YourMoney.com Saturday mornings at 9 on Madison 1670 - the Pulse. Co-hosted by Bill Quigley and Art Blanchet, The Mortgage Experts. Have you heard our Internet Radio Show? Check it out at http://www.talkshoe.com/talkshoe/web/talkCast.jsp?masterId=1009

Scott Bilker is Back! Been trying to get this busy man - advisor to dozens of finance columnists and media - for months. Scott, author of three books on credit debt, will talk with Bill Quigley about his latest work, his perspective on the dealing with credit card companies, and the new docu-movie, Maxed Out. Check out his info-packed website - www.debtsmart.com - then check in with us for this excellent interview. Don't be late - we're thinking about charging admission next time. Scott Bilker, author of the best-selling books, Credit Card and Debt Management, How to be more Credit Card and Debt Smart, and Talk Your Way Out of Credit Card Debt, is the creator of DebtSmart.com. He is an electrical engineer, with a B.S. from Newark College of Engineering, and a member of Tau Beta Pi (National Engineering Honor Society) as well as the Society of American Business Editors and Writers. Locally, he served for three years as an elected Board of Education member in Barnegat, NJ. Scott has spent the past 17+ years finding great credit deals and saving thousands of dollars for himself and others. His credit card advice has been featured in several magazines, newspapers, and online resources including Consumer Reports, Money Magazine (June & August), The Wall Street Journal (2007, 2007, 2006 & 2004), Newsweek, The Christian Science Monitor, SmartMoney.com, Kiplinger's Personal Finance Magazine, Reader's Digest, CNN/Money, BankRate.com, CBS Marketwatch, Woman's World, College Bound Teen, The Motley Fool, CBS News (The Early Show), Bottom Line Personal, Men's Health, DETAILS, Woman's Day, Ladies' Home Journal, Physician's Money Digest, Medical Economics, The San Francisco Chronicle, Glamour, Greensburg Tribune-Review, The Sun, and Valley Voice. Plus, his free DEBTSMART® EMAIL NEWSLETTER is continuously helping consumers find their best borrowing options. Scott has also appeared on CNN's American Morning with Miles O'Brien & Soledad O'Brien, Today in NY with Roseanne Colletti, CNNfn's Your Money with Ali Velshi, NBC 10 News' Consumer Alert, CBS News, NBC 6 News' Consumer Connection, PBS's Take Note with Patty Satalia, WB 17's Community Close-Up (WPHL-TV Philadelphia) with Dorie Lenz, the Extra Help Channel's In the Money with J. J. Burns (C.F.P.), and CN8's Family Talk with Mary Amoroso. Plus, he's been interviewed on more than 1,000 radio stations (coast-to-coast, in Canada, and the UK) including National Public Radio's (NPR) Morning Edition with Steve Inskeep, WSJ Radio, The Wall Street Journal This Morning with Michael Wallace, WFAN (NY) with Bob Salter, KFMB (San Diego) with Jeff & Jer, Your Home Your Money with Art Blanchet & Bill Quigley, and Talk America Network's It's Your Money with Dr. William Bailey.

The Mortgage Guys continue their series on For Sale By Owner selling - called FSBO RADIO - with some input on how to price and market your home. Darren Kittleson of Keller-Williams knows how to sell homes. He also knows the Wisconsin real estate market. So If YOU want to sell your FSBO, listen to the Best of the Best in this live simulcast interview. Bill Quigley and Art Blanchet can be heard on Madison1670 Saturdays or at www.yourhome-yourmoney.com/archives. Don't miss out.

New Tax Law allows deduction of Mortgage Insurance. What's the effect on your pocketbook? Is the PiggyBack Loan gone forever?

* * * iPOD GIVEAWAY! * * * "Your Home-Your Money Mortgage Radio" is celebrating one year on the Madison1670 Radio and six months of podcasting by giving away a FREE iPOD! All you need to do to enter this random drawing is to go to Episode #50 - Happy Anniversary To Us! and follow the instructions. Good luck - and thanks! Details are at http://www.talkshoe.com/talkshoe/web/talkCast.jsp?masterId=1009 - Episode #50.

This is a fun show! The Mortgage Experts - affectionately known as The Mortgage Guys on Madison1670 - are invited to spend an hour with Prebil and Murphy on their daily radio broadcast about Wisconsin life. The Wisconsin Guys ain't all there, but they sure know how to liven up a show. Lots of banter, laughs, and even some pretty good mortgage advice keep this 40-minute kick rolling (we edited out the commercials for your listening convenience) along at breakneck pace.

DebtSmart - Negotiating Your Credit Debt-interview with Scott Bilker Why on earth are you paying 5%-10%-15%-even 30% credit card interest rates!? Do you think you can ever pay these things off? Do you want a break on payments? Is there ANYONE who can guide you through this mess? Yup, and he's right here - SCOTT BILKER. Scott -the author of "Talk Your Way Out of Credit Card Debt" - joins Bill and Art to share his wisdom and advice in this special phone interview. He has some amazing stories to tell and wisdom to impart. Scott has helped countless Americans save cash and aggravation just by "talking" - using techniques perfected over 14 years. So if you want to save money (!?!) and reduce the high credit interest payments that lead to bankruptcy or foreclosure, tune in. Remember, Scott's from New Jersey and talks fast, so listen fast to avoid missing a single word from this Credit Debt Mastermind. Find more at www.debtsmart.com and, of course, www.YourHome-YourMoney.com Hint: Psssst - This book would make a great gift for anybody over 12.