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August 1, 2010
What’s On Now?
Nightaire℠
With David Roden
4:33
Taneli Kuusisto: Finnish Prayer (Turku Philharmonic Orchestra)
4:36
Sigismund Neukomm: Serenade in B flat (Consortium Classicum)
4:49
Maurice Ravel: Piano Concerto in G: adagio (London Symphony Orchestra)
5:00
Henry Cowell: Hymn for string orchestra (City of London Sinfonia)
5:01
Johann Mayer: Schnofler-Dance (Ensemble Bella Musica Vienna)
Also Playing Now:
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Later Today On WKSU
5:00
Nightaire℠ with David Roden
Join WKSU’s David Roden for the best in classical music.
6:00
Other Voices
A weekly presentation of the best in public radio long-form documentary and journalism from across the country and right at home
7:00
Speaking of Faith
Public radio's premiere national program about religion, meaning, ethics and ideas hosted by journalist and theologian, Krista Tippett.
8:00
Weekend Edition®
What’s On Now?
BBC World Service
For over 70 years, BBC World Service has been the globe's most comprehensive source for news. When news breaks -- anywhere, anytime -- BBC is there.
Also Playing Now:
Later Today On WKSU's News Channel
5:00
BBC World Service
For over 70 years, BBC World Service has been the globe's most comprehensive source for news. When news breaks -- anywhere, anytime -- BBC is there.
6:00
Other Voices
A weekly presentation of the best in public radio long-form documentary and journalism from across the country and right at home
7:00
Speaking of Faith
Public radio's premiere national program about religion, meaning, ethics and ideas hosted by journalist and theologian, Krista Tippett.
8:00
Weekend Edition®
What’s Playing Now?
Nightaire℠
With David Roden
4:33
Taneli Kuusisto: Finnish Prayer (Turku Philharmonic Orchestra)
4:36
Sigismund Neukomm: Serenade in B flat (Consortium Classicum)
4:49
Maurice Ravel: Piano Concerto in G: adagio (London Symphony Orchestra)
5:00
Henry Cowell: Hymn for string orchestra (City of London Sinfonia)
5:01
Johann Mayer: Schnofler-Dance (Ensemble Bella Musica Vienna)
Also Playing Now:
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Later Today On WKSU's Classical Channel
5:00
Nightaire℠ with David Roden
Join WKSU’s David Roden for the best in classical music.
6:00
Classical Music with Scott Blankenship
7:00
Classical Music with Lynne Warfel
12:00
The Baroque Era with David Roden
WKSU Music Director David Roden presents the beauty of baroque music (from Monteverdi to Bach) with excursions into the Renaissance and the early Classical era.
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For more information on how your company or organization can support WKSU, download the WKSU Media Kit.
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Government
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Program Director Mark Urycki
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Thursday, March 30, 2006
Cuyahoga County Educates to Fight Foreclosures
by WKSU'S MARK URYCKI
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Cuyahoga County is launching an effort to reduce the number of foreclosures and predatory lenders. Changes in state law that would make it more difficult for unscrupulous lenders to operate is tied up in a joint conference committee. County officials want to try educating consumers with a Freddie Mac program called "Don't Borrow Trouble."
Click to ListenOther options:
Realplayer / Windows Media / MP3 Download (4:07)
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(Click image for larger view.)
Consumer Tips For Avoiding Borrowing Pitfalls
Source: Freddie Mac
1. Shop around. Borrowers should talk to several lenders to find the best loan
for which they qualify. A loan product or lending practice may not seem
predatory until compared with a similar loan product offered by other lenders.
2. Understand the loan terms. Borrowers should compare loan terms from
different lenders. Understand the best loan terms available in the marketplace
and compare the APR (annual percentage rate) of loans from different
lenders. The APR takes into account both the interest rate and the points
and fees of the loan. A nonprofit housing counselor or a lawyer can review
the information with a borrower
3. Find out about prepayment penalties. Borrowers should know if the loan
offered to them has a prepayment penalty. Prepayment penalty should be a
choice, not a requirement.
4. Make sure documents are correct and complete. Be cautious of someone
who offers to falsify a borrower's income information to qualify for a loan.
Borrowers should never falsify information or sign documents that they know
to be false. A borrower should not sign documents that have incorrect dates
or blank fields. Be wary of promises that a lender will "fix it later" or "fill it in
later."
5. Ask about additional fees. Borrowers should question any items they didn't
ask for. Borrowers should also beware if they are told that single premium
credit insurance is required get a loan, or that purchasing it will help loan
approval. Review every fee and compare different lenders' fees to ensure the
most competitive loan terms.
6. Understand the total package. Ask for written estimates that include all
points and fees. The situation may not seem abusive until when everyone
gets to the closing table. If any fees or charges differ from what was
previously disclosed, delay the closing until all terms of the loan are clearly
understood.
7. Work with credit counselors. A borrower should get all the facts before
deciding to combine credit card or other debts into a home loan. Beware of
scam credit counseling/ credit consolidation agencies unfortunately, not all
credit counseling agencies are acting in your best interests. Talk to a
community based consumer credit counseling agency or housing counselor
before signing the loan documents.
8. Protect home equity. If borrowers are taking equity out of their property,
they should take out the minimum amount needed. The equity in a home is a
source of wealth, which builds up slowly over time.
9. If you're not sure, don't sign! Get advice first! Talk to a community based
consumer credit counseling agency or housing counselor.
10. If you cannot pay your mortgage, call your mortgage company now. As
soon as you realize that you are unable to make your payments, talk about
your circumstances with the mortgage company to which you send your
monthly mortgage payment. Your options to retain your home are most
effective when you are only one or two payments behind.
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More Government Annual Census comes to a close today Cleveland and other transit systems warned about equipment that led to fatal Washington D.C. collision Ohio's rural areas most likely to be home to uninsured Fallout continues in Northeast Ohio's $3 million theft Stark gets closer to trying to oust county treasurer Pressure to kick out Stark County treasurer grows stronger Unusual appeal to lawmakers Ohio auditors expected to detail path of missing money Cleveland plans to build state of the art transportation center Cuyahoga Recorder suing to finish out her term
More by WKSU'S MARK URYCKI
"My Tale of Two Cities" Harvey Pekar dead at 70 Bruce Springsteen exhibition at Rock and Roll Hall of Fame 1970: A year when America was polarized on many levels Bullpen Gospels by Hudson author Dirk Hayhurst The Last Truck documents the end of an era Cleveland International Film Festival award winners The 34th annual Cleveland International Film Festival Steel tube company expands in Youngstown Cavs win a prelude?
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As a Michigan driver who frequently drives to West Tennessee to see my family, I have the option to go directly south through Ohio, then west, or west through... Lance and Snyder's to mergeI LIVE IN HAMILTON, NJ AND WANT TO BUY ARCHWAY SPICE COOKIES. SHOPRITE AND WALMART DON'T CARRY THE BRAND ANYMORE SINCE THE BANKRUPTCY. ANY IDEAS?
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