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 protec…

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 S…

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 plane…

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 cataclysmi…

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: Government’s need to…

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 n…

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 …

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…

There are a host of new laws and court rulings that will impact lenders, landlords and investors in 2022. Anything from keeping your tax basis when you sell your property in CA, to whether loans that escape usury regulation can lose the exemption when there is a loan workout. Join Spencer as he gets the update on these new laws and cases, as well a…

TS rarely makes economic calls, as we are not economists and you should not make any economic decisions based on our opinions. But we closely follow and interview many economist and follow the trends in the commercial and residential RE market closely and we are developing conviction that big changes to the residential real estate market may be com…

Truth Serum is happy to present a Special Two Part Series entitled: ADDICTION, DIVORCE & RECOVERY: IT’S A FAMILY AFFAIR. Legal Templates which offers legal forms, including divorce and separation documents, published a report on July 29, 2020 with ongoing statistics about the impact of the pandemic on the family. The report found that C-19 lockdown…

There are special protections afforded to active duty service members (and in some cases their dependents) under state and federal laws. In the Legal Segment, Spencer updates these protections and highlights recent bulletins from the DOJ and CFPB to lenders, servicers and landlords advising that they better comply. Then join Spencer as he interview…

The impact of the pandemic on the mental health of all Americans can’t be overstated. Anxiety depression and suicides are at record levels, with disproportionate impact on the young and elderly, who struggle with isolation, fear and loneliness. A recent N. Y. Times article in December of 2021, cited a survey of 1320 Therapists. 9 out of 10 reported…

2021 was a wild year. We hope 2022 will be better. After a world-wide pandemic, lockdowns, vaccinations and turbulent economic, political and social turmoil, we could use a rest. However, life does not work that way, and as we enter the new year, we want to give a brief recap of some new laws affecting Lenders in 2022, and trends we have observed i…

2021 has been a tumultuous year, as we come out of a worldwide pandemic, and the seismic social and economic repercussions that are still reverberating. Spencer thought it would be appropriate to end this year’s Truth Serum podcast series with a Christmas special and examine this centuries old message of hope. Whether you believe in the Savior, San…

Get ready for SLG’s CHRISTMAS PODCAST SPECIAL to be released on December 1, 2021. Whether you believe in the Savior, Santa Claus, or no one at all, you will find this Episode to be interesting and worthwhile. Spencer will be interviewing internationally acclaimed and New York Times best-selling author Eric Metaxas. Eric also hosts a nationally synd…

In our legal segment will examine legal and economic issues impacting lenders, landlords and investors, including Fed tapering of QE, increased federal regulation of crypto currency, including stable coins and the end of mortgage forbearance. Then join Spencer at the Shootout at the Inflation and Deflation Corral. In late July of this year, he inte…

Previously, in this series we have examined how “Big Tech”, in allegiance with governments all over the world are using A-I algorithms to mine your personal data and create your “digital twin.” They use your data to predict your buying habits and to rate your political and social interests and behavior, and in some instances to reward, punish or ce…

New Laws and Regulations resulting from the use of Digital Currency and AI technologies will transform our lives in ways we never considered. In this 3 part series we take a look at the social, economic and legal repercussions of these transformative technologies on your right to privacy and way of life. In Part 2 Spencer interviews Pippa Malmgren …

New Laws and Regulations resulting from the use of Digital Currency and AI technologies will transform our lives in ways we never considered. In this 3 part series we take a look at the social, economic and legal repercussions of these transformative technologies. We interview Pippa Malmgren (noted economist, author and Presidential advisor), and T…

Don’t Miss our Where is the Love segment, as we get out on the streets to find out if those in Northern CA have had enough of the foreclosure and eviction moratoriums, or if they want them to continue. Then join Spencer as he interviews Joel Bowen, current President of the California Credit Union Collectors Counsel to discuss the impact of the pand…

Hear it now before it happens! Spencer interviews preeminent economist A. Gary Shilling! Our Legal Segment takes you faster than the “Speed of Fright” and gives headlines of new and proposed laws affecting Lenders, Landlords and Investors. Finally, in our Where is the Love Segment: Listen in as Spencer finishes his interview of America: Election fr…

New Emergency CFPB COVID-19 Regulations re Residential Mortgages go into effect August 31, 2021. 1% Mortgage Rates by the end of the year? Don’t laugh, we have solid reasons why and why deflation, not inflation is the biggest problem facing the Fed. Listen to Spencer interview noted financial advisor Steven Van Metre. Hear what Americans think abou…

Many are forecasting inflation, even run-away inflation as a result of massive government stimulus and money printing. Quietly, however, a growing number of economists are predicting deflation, including deflation of the residential RE market. In the legal segment, Spencer will examine massive hidden stimulus resulting from legal roadblocks to enfo…

Federal, State, Local and governments are increasingly regulating every area of life. When is the state overreaching and when is it acting legitimately to balance the rights between landlords and tenants? Examine increasing regulation of landlord and tenant relationships in CA, governing everything from rent control to a recently enacted law in 202…

Episode 2: Anything can and will happen to lenders, landlords and investors in the United States Bankruptcy Court. Examine some of the most impacting trends, as Spencer takes you through the bankruptcy demolition derby and what you can do to avoid demolition of your rights. Then listen as Spencer interviews retired Bankruptcy Judge Alan Jaroslovsky…

Scheer Law Group's Truth Serum. For the Lender, Landlord and Investor. Law, Real Estate and Everything Else that Matters. 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 podc…

There has been a tsunami of recent CA and Federal Laws affecting loans, leases, evictions, and foreclosures. Laws are changing daily. Stay up to date and learn why these new laws add billions of hidden stimulus to a growing national debt and whether this will lead to runway real estate inflation or deflation. Then listen in as Spencer interviews “e…