Shows
The Moneywise Guys7/23/25 Teen Financial Basics, Rising Local Costs, and Credit Solutions with Anselmo MorenoThe Moneywise Radio Show and Podcast Tuesday, July 22nd BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guest: Anselmo Moreno, Innovative Credit Solutions website: https://bakersfieldcreditrepair.com/ phone: 661-369-81302025-07-2451 minThe Moneywise Guys8/29/24 Steps on Improving Your Credit Score and Getting Out of DebtThe Moneywise Radio Show and Podcast Thursday, August 29th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management instagram: MoneywiseWealthManagement Guest: Anselmo Moreno, Owner of Innovative Credit Solutions website: https://bakersfieldcreditrepair.com/ phone: (661) 369-81302024-08-3042 min
Espacio Deportivo de la NocheJornada 8 liga mx, Champions League, Pericos Campeón, Alexa Moreno gana Oro y más en Espacio Deportivo de la Noche 18 de septiembre 2023Toño de Valdés, Anselmo Alonso y Raúl Sarmiento con lo más importante de la información deportiva:Liga Mx jornada 8Champions League Alex Moreno gana medallaPericos de Puebla se coronan campeones F1 GP de Singapur See omnystudio.com/listener for privacy information.2023-09-1946 min
Historias y Biografías Asombrosas por Mario Andrés Rueda MorenoMensaje del Padre Anselmo sobre el MatrimonioEste es un mensaje motivacional del Padre Anselmo para aquellas personas que se van a casar o están recién casados. En esta reflexión el Padre nos enseña a ser mejores personas y mejores matrimonios. #matrimonio #podcastcatólico #cristiano #PadreAnselmo #Mensaledeldía #consejosmatrimoniales 2023-08-2604 minHistorias y Biografías Asombrosas por Mario Andrés Rueda MorenoEl Padre Anselmo: La Historia del Burro KuloSoy el Padre Anselmo y hoy tengo esta historia para ti. Es la historia del burrito Kulo, escúchame y sé feliz. #cómico #motivación #homolía #mensajedeldía #Padre2023-08-2604 min
Espacio Deportivo de la NocheLeagues Cup, Liga Mx previo jornada 4, Joaquín Moreno en entrevista y más, Espacio Deportivo de la Noche 17 de agosto 2023Toño de Valdés y Anselmo Alonso con la información deportiva más importante:Final Leagues CupRayados de Monterrey por el tercer lugar de la leagues cupLiga MxEntrevista con Joaquín Moreno DT de Cruz AzulInformación de la NFLLiga Mexicana de béisbol.See omnystudio.com/listener for privacy information.2023-08-1847 min
Talk Toomey with Joshua ToomeyNU POD | Wes Borland Buying a Toothbrush & Random Rock Star Encounters with Matt Naas of Roach KoachJoshua Toomey is joined by Matt Naas of the Roach Koach Podcast to discuss listener's random Rock Star encounters while Ro Kohli is on assignment at San Diego Comic-Con. First up the guys talk about the Knotfest Nu Metal Bracket Challenge update and the two albums remaining. Joshua and Matt dive into the encounters and give some personal stories of their own. Joshua tells the story of meeting Alice Cooper at Hot Topic and Matt talks about seeing Wes Borland buying a toothbrush. Stories of Axl Rose at the urinal, Rob Zombie in line at the grocery store and...2023-07-221h 09Historias y Biografías Asombrosas por Mario Andrés Rueda Moreno8 de Marzo Mensaje del Padre Anselmo: Día Internacional de la MujerHijos míos, os habla el Padre Anselmo y quisiera hablarles o mejor hacer unas recomendaciones hoy el 8 de marzo, día internacional de la Mujer. 2023-03-1109 min
Mortgage SpaceIs Credit Karma Lying to Me?Anselmo Moreno from Innovative Credit Solutions has been a leading industry expert in the world of credit scoring improvement, debt settlement and credit repair. His firm emphasizes the importance of credit education to reduce "repeat" offenders and "Make credit great...Again."
We discuss in this episode some really foundational topics like credit scoring models, starting credit, the difference between primary borrower, co-borrower, joint and authorized user accounts. We explore how credit scores will vary wildly between credit reporting score models like Vantage 3.0 and over 40 other models for credit. No wonder consumers are confused!
Additionally, we...2023-03-0758 min
Dood & VerderfNovember 2022: schrijver en verslaafde-in-herstel Vincent Cardinaal over drank, drugs en metalAls er iets vaak geromantiseerd wordt, dan is het de invloed van drugs en drank op muziek. In deze uitzending vertelt schrijver Vincent Cardinaal wat de keerzijden van narcotica zijn aan de hand van zeven artiesten die onlosmakelijk verbonden zijn aan hun verslaving.
Schrijver en verslaafde-in-herstel. Dat is de kortste omschrijving van gitarenliefhebber en (muziek)journalist Vincent Cardinaal. Sinds een goed jaar is hij volledig abstinent van cocaïne, drank en andere zaken die zijn leven grondig op de kop zetten. Vincent is daarom bij uitstek de persoon om dé 7 metalplaten uit te zoeken met de meest aa...2022-11-2559 min
BELIEVE IN THE ENTREPRENEUREpisode 30 - Anselmo MorenoThere's no question that credit is an important tool. A good credit score can show that the borrower is a trustworthy, and responsible person. Today's guest, Anselmo Moreno, is in the business of not only helping people fix their credit, but also educating them on how to better manage their credit, change their habits, and make better financial decisions. Anselmo started his journey early on, working for a local credit counseling company while he was still in High School. Now he is the owner of Innovative Credit Solutions in Bakersfield, and the founder of The Youth Financial Literacy Organization...2022-08-1900 min
Battle Born Fan TalkBattle Born Jays EP11 - It's Moreno Time Gabriel Moreno gets his chance with the Jays for tonight's game against the Tigers! Listen in as Joshua talks about this move and the upcoming series against Detroit!2022-06-1140 min
Iglesia Nacional PresbiterianaConversatorio: Comunión, compasión y discipulado.Pbros. Adolfo Arias Job, Edwin Vasques Ramos, Julián Hernandez Moreno, Felipe Camacho Martinez, Miguel Ángel Salomón Anselmo.2022-04-171h 01
¿Qué hay de tu vida?Programa núm. 112. Club de Lectura. Lila. Marylinne Robinson. Recordando seriesTV En ruta. Exposición CaixaForum MadridQué hay de tu vida Podcast número 112. Presentado por Anselmo Mancebo, Charo Onieva y David Parra, quienes te dan la bienvenida a sus contenidos.La exposición de arte del programa se centra en «La imagen humana: arte, identidades y simbolismo» que se desarrolla en CaixaForum Madrid. Se trata de una muestra que propone un viaje a través del tiempo y de las culturas, un recorrido que no distingue ni épocas ni fronteras para mostrar un tema universal: cómo el ser humano se ha representado y se representa a sí mismo.El rincón para el...2021-06-3020 min
¿Qué hay de tu vida?Programa núm. 112. Club de Lectura. Lila. Marylinne Robinson. Recordando seriesTV En ruta. Exposición CaixaForum MadridQué hay de tu vida Podcast número 112. Presentado por Anselmo Mancebo, Charo Onieva y David Parra, quienes te dan la bienvenida a sus contenidos.
La exposición de arte del programa se centra en «La imagen humana: arte, identidades y simbolismo» que se desarrolla en CaixaForum Madrid. Se trata de una muestra que propone un viaje a través del tiempo y de las culturas, un recorrido que no distingue ni épocas ni fronteras para mostrar un tema universal: cómo el ser humano se ha representado y se representa a sí mismo.
El rincón para el recuerdo de Qué hay...2021-06-3020 min¿Qué hay de tu vida?Programa núm. 112. Club de Lectura. Lila. Marylinne Robinson. Recordando seriesTV En ruta. Exposición CaixaForum MadridQué hay de tu vida Podcast número 112. Presentado por Anselmo Mancebo, Charo Onieva y David Parra, quienes te dan la bienvenida a sus contenidos.
La exposición de arte del programa se centra en «La imagen humana: arte, identidades y simbolismo» que se desarrolla en CaixaForum Madrid. Se trata de una muestra que propone un viaje a través del tiempo y de las culturas, un recorrido que no distingue ni épocas ni fronteras para mostrar un tema universal: cómo el ser humano se ha representado y se representa a sí mismo.
El rincón para el recuerdo de Qué hay...2021-06-3020 min
SASP - Tudo que Cai, Volta!Tudo que Cai, Volta #06/2021A SASP Carnaval traz a sexta edição da temporada do Tudo Que Cai, Volta, apresentado por Rodrigo Godoi, que semanalmente relembra sambas-enredos concorrentes que não foram pra avenida nos carnavais do Brasil!
Sambas dessa edição:
1 – Acadêmicos do Tatuapé 2005
Enredo – Pará, a Heróica História de Nossa História, Berço Cultural de Nosso Povo
Compositores - Lelei, Chicão, Dudu, Muleke, Pablo e Christian Dimitrius
2 – X-9 Paulistana 2014
Enredo - Insano
Compositores - Xavier, Cris, Mazinho Argenta, Jota R e Alemão do Cavaco
3 – Brasil de Sant...2021-04-201h 22
Encomienda NewsEN0x66 Resumen actualidad Villarejo semana 1 febrero 2021En este videopodcast semanal de Encomienda News te contamos todas las noticias más importantes de Villarejo y su comarca, en toda la semana, desde el 1 de febrero de 2021. Los locutores David FM y José Julián repasarán todos los titulares y comentarán los asuntos de más importancia. En este capítulo intervendrán también Aitor Galisteo y Susana Morato.Este episodio está patrocinado por Óptica Olayo. Este videopodcast y todas las actividades de Encomienda se financian única y exclusivamente con las empresas privadas que se anuncian y colaboran con nosotros. Si quieres colaborar, aquí te puedes inf...2021-02-0625 min
Universitat de les Illes Balears - UIBTendremos que hablar. La experiencia de los juicios simulados.Esta es la clave de los juicios simulados que se desarrollan como parte de la práctica jurídica en la sala de vistas de la Facultad de Derecho de la Universitat de les Illes Balears.
Los alumnos de Mercantil tienen que hablar cuando les llega la demanda, tienen que hablar, debatir y consensuar la contestación, y tienen que hablar, razonar y convencer cuando se celebra la vista oral.
Docente de les Illes Balears apasionado por el Derecho que enseña a sus alumnos las claves para llevar un caso a través de los j...2020-12-1417 min
Selfie, autorretratos de experiencias docentes universitarias 2020 y 2021Tendremos que hablar. La experiencia de los juicios simulados.Esta es la clave de los juicios simulados que se desarrollan como parte de la práctica jurídica en la sala de vistas de la Facultad de Derecho de la Universitat de les Illes Balears. Los alumnos de Mercantil tienen que hablar cuando les llega la demanda, tienen que hablar, debatir y consensuar la contestación, y tienen que hablar, razonar y convencer cuando se celebra la vista oral.
Docente de les Illes Balears apasionado por el Derecho que enseña a sus alumnos las claves para llevar un caso a través de los juicios simul...2020-12-0317 min
Arucas FonotecaPleno Ordinario de 27 de noviembre de 2020Anselmo Nicolás León Moreno, de Ciudadanos, prometió su cargo como nuevo concejal en el Ayuntamiento de Arucas
Este viernes se celebró un Pleno ordinario en el salón de actos del Centro Municipal de Cultura, convocado por el alcalde, Juan Jesús Facundo. En el orden del día, entre otros puntos, figuraba la toma de posesión del cargo de concejal de Anselmo Nicolás León Moreno, por Ciudadanos. También se designaron a los representantes en los Consejos de Barrios o Territoriales para la renovación de dichos órganos. Durante la sesión, se debatió además el infor...2020-11-272h 10
Músicas colombianasJoropo ColombianoRealización y locución a cargo de Carlos Alberto Díaz Canto de vaquería (Anónimo) - Canto de labor (Cholo Valderrama) - Mi llano es un paraiso (Augusto Braca) - Sabana (D.R.A - Simón Díaz) - Paisaje matinal (Miguel Martínez - Carlos Medina) - Guardatinajas (D.R.A - Eudes Álvarez) - El negro José María (D.R.A. - Pedro Flórez) - Voy doble a mi gallo tuerto (Hernando Valderrama - Gustavo Mojica) - Golpe de carnaval (Anselmo López) - Golpe de quirpa (Angel Loyola - Adilia Castil...2020-08-2655 min
Tango Podcast in Italiano | Oltre 500 puntate onlineTango Podcast in Italiano – Numero 497 – Anselmo Aieta
Anselmo Aieta, noto come “El brujo del bandoneón” o affettuosamente
“Papi” da Pichuco, era un musicista autodidatta e una figura importante
nella scena del tango argentino negli anni 1910-1925. Era un musicista
talentuoso e molto intonato, che ha composto oltre 300 tango, valzer e
milonghe, oltre a essere uno dei grandi bandoneonisti di Buenos Aires. Ha lavorato con Francisco García Giménez, creando temi memorabili nella
storia della musica popolare urbana del Rio de la Plata. Aieta era anche
un eccellente pianista, ma era particolarmente bravo nel bandoneón,
dove ha mostrato il suo buon gusto, la su...2020-06-0830 min
Tango Podcast in ItalianoTango Podcast in Italiano – Numero 497 – Anselmo AietaQuesta settimana potete ascoltare i seguenti brani:
La Mentirosa - Juan D'Arienzo;
El Huerfano - Enrique Rodríguez canta Armando Moreno;
Principe - Aníbal Troilo canta Alberto Marino;
Tus Besos Fueron Míos - Alberto Mastra;
La Ultima Cita - Angel D'Agostino canta Angel Vargas;
Suerte Loca - Aníbal Troilo canta Francisco Fiorentino.2020-06-0830 min
The Extra Credit ShowNew Year Credit Talk - Designing a credit repair plan for 2019 and BeyondSo Next week turned into next Month, as we have been swamped !!!!
But here you go, a delicious new installment of your favorite podcast!!
Submit your questions to have them answered on the show: TheExtraCreditShow@gmail.com
Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found.
Instagram: @TheExtraCreditShowFacebook:
www.facebook.com/TheExtraCreditShow
Web: www.TheExtraCreditShow.com
Watch the show on YouTube : https://youtu.be/RVq0jCjwpxY
Contact: TheExtraCreditShow@gmail.com
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2019-02-1500 minThe Extra Credit ShowCredit Repair Chronicles: Ep.1 - Interview with our free credit repair winner!We are BACK! The first episode of a long series as we document a credit repair journey with our lucky winner. Meet Joy, hear her story and follow along as we bring monthly updates to her credit repair journey.
Next week we will be back with a regular installment of the Extra Credit Show!!
Submit your questions to have them answered on the show: TheExtraCreditShow@gmail.com
Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found.
Instagram: @TheExtraCreditShowFacebook:
www.facebook.com/TheExtraCreditShow
Web: w...2019-01-2100 minThe Extra Credit ShowCredit Repair Winner Announced! & Consumer Goes After Equifax and NavientWe have interviewed everyone who has shared their story with us regarding the free credit repair program we want to give away. The chosen extra credit listener is announced!
Also - A consumer has filed a lawsuit against Equifax and Navient Solutions alleging a disregard for accurate reporting his loan performance. The consumer says they have tried repeatedly to dispute and validate the incorrect credit reporting information but has had no luck.
According to the complaint the consumer had 13 separate loans with Navient and they were paid off in full in July 2016.
After t...2018-12-1400 minThe Extra Credit ShowBuying a Home : Affordability Trends Talk with Nik Boone w/ Ascend Real EstateBuying a home is the main motive behind consumers wanting to improve their credit score. As an Extra Credit Show listener it's highly likely the motive behind you wanting to master your credit score is tied to an end goal of homeownership.
In this episode we cover a few first time homebuyer programs available to consumers, and Nik shares his experiences in the real estate buying process. We also discuss how credit impacts your ability to rent a home, which is a fantastic look into the decision making process of tenant screening. We even learn several new t...2018-11-3000 minThe Extra Credit ShowCar Shopping : The Dealer Ran my credit 20+ times!Has the FCRA been violated if the dealership shotguns your credit if you've given them permission to run it at least once? I've had this discussion 100x over the years with angry consumers. You go to the dealership to buy a car, and when you get to the financing part they run your credit with several lenders and thus you end up with several, sometimes a dozen or more inquiries on your credit report.
Consumers freak out, and maybe justifiably so. In this episode we discuss a very recent case of a consumer who sued a car...2018-11-1000 minThe Extra Credit ShowFICO announces new "UltraFICO" score model - We talk about it!Apparently this is a big deal, as the new UltraFICO score model will review your bank account to enhance the score. This seems interesting, take a listen and learn the details of this new potential system and what we think about it's impact in the current consumer finance space.
Submit your questions to have them answered on the show: TheExtraCreditShow@gmail.com
Available on Itunes, Stitcher, Google Play, and everywhere Podcasts are found.
Instagram: @TheExtraCreditShowFacebook:
www.facebook.com/TheExtraCreditShow
Web: www.TheExtraCreditShow.com
Watch...2018-10-2600 minThe Extra Credit ShowWhat To Do If You Are Sued For Credit Card DebtIn this episode we discuss what to do if you have been served with a lawsuit for credit card debt! It sucks, but it happens. Recently it's been happening ALOT.
There are certain debt collectors and types of debt that are more commonly filing suits against consumers than others.
If you know anybody who has past due credit card debts this episode is a MUST listen. It's always best to address the issue before suite gets filed, because after that things get exponentially worst!
This is always a touchy subject because we don't...2018-10-1300 minThe Extra Credit ShowLife after Credit Repair: How to care for your credit longtermCredit Repair should not last forever. Actually it should really only be 3-6 months, and in some rare cases it can go longer than 6 months. The habits and actions you take after the credit repair process is over are extremely important to make sure you don't "come back" or become a "repeat client" of a credit repair company.
In this episode we break down and discuss common issues that we have seen our clients commit after they finished our program. The focus of the episode is to discuss how to continue to maintain your credit after you've...2018-10-0500 minThe Extra Credit ShowShould you pay for Credit Repair?We try not to be biased on this one....
Let us know what you think?
*****Special ALERT****
We are giving away a FREE, FREEEE CREDIT REPAIR program to one of our listeners. The catch? Allow us to document the journey to share with our listeners. Of course keeping certain personal information private, we just want to share a bit of the credit repair process with everybody. We think it woud be awesome to have a listener on the show sharing their credit repair journey.
Send us an em...2018-09-2200 minThe Extra Credit ShowFair Credit Reporting Act - Breaking Down Your RightsThere has been new changes to the FCRA consumer rights disclosures.
In this episode we break it down bit by bit, just for YOU!ALSO!!!
*****Special ALERT****We are giving away a FREE, FREEEE CREDIT REPAIR program to one of our listeners. The catch? Allow us to document the journey to share with our listeners. Of course keeping certain personal information private, we just want to share a bit of the credit repair process with everybody. We think it woud be awesome to have a listener on the show sharing t...2018-09-1400 minThe Extra Credit ShowCell Phone Payment History & Removing Inquiries!We received a simple question from a listener that turned into a long conversation about CELL PHONE payment history and credit reports. Can you report your good payment history to your credit reports? Listen to this episode and find out!
We also discuss inquiries, and if they can be removed from your credit report if a creditor does not have written permission to pull your credit. A very interesting discussion takes place about finding bad info on the internet, and a perfect example is given on the show.
Thanks for listening!
In this...2018-09-0700 minThe Extra Credit ShowBorrow $10,000, repay $70,000 - High Interest Rate LoansThe figures above sound totally ridiculous but this form of borrowing is again legal. It certainly is not right. In this Episode we discuss and breakdown the actual numbers!
Anselmo was auditing a clients credit report when he noticed the loan on the report and was shocked by the numbers that were in front of him.
These loans are the true example of the cost of having bad credit, as Good Credit Joe would never have to use these loans!
Would a starving person eat poisoned food?
In this episode we br...2018-08-3100 minThe Extra Credit ShowWhat happens to your credit and debts when you die?Something that is going to happen to everyone, which is death. You may lose a loved one at some point in life, or maybe it has already happened to you. What happens to their credit and debt affairs when they pass away?
In this episode we tackle a few very real questions:
What happens to your debt when you die?
Do you inherit your family's debt?
What happens to your credit report when you die?
Are all debts forgiven at death?
What happens to secured debts ?
2018-08-2400 minThe Extra Credit ShowBankruptcy vs Credit Repair? Which is the better option?CREDIT REPAIR or BANKRUPTCY ?
THE age old question.
It's a very complicated answer and certainly one that requires a full understanding of all your debt relief options. Just because your neightbor or brother in law filed for bankruptcy, it does not mean bankruptcy is the right solution for you. One of the biggest decisions consumers often make while being uninformed and not truly understanding the consequences of filing for bankruptcy. The worst thing you can do is file for bankruptcy when you should have to.
In this episode we break it down b...2018-08-1800 minThe Extra Credit Show5 Credit Score Improvement Myths!In this episode we bust a few more myths that plague the credit scoring world.
1.) Does "opting out" of pre screened offers boost your score?
2.) Does paying more than the minimum payment on a car loan build your score faster?
3.) Does paying a credit card or loan more than once a month impove your score faster?
4.) Do you have to continue to use a credit account to continue to build credit?
5.) Does Paying off your credit card in full each month the best way to improve your sc...2018-08-1000 minMortgage SpaceCredit Catastrophes! Bankruptcy, Divorce, Foreclosure, Short Sale...In this episode we bring back Credit Expert Anselmo Moreno to have an in depth discussion about what I like to call, "Credit Catastrophes". Perhaps you know someone who had to file for Bankruptcy, went through a divorce, had to foreclose on a home or short sale a property. This is the episode to take a listen to. We breakdown some key elements of 'how' to re-establish and to how to become mortgage ready again!2018-08-1037 minThe Extra Credit ShowDebtor's Prison: Can you go to JAIL for not paying your debts?Can you to Jail for not paying your debt? We like to say a hard NO on this answer, but it's actually really complex. (Aren't all credit answers a bit complicated?)
In this episode we discuss in detail how debt collectors are using the civil system to enforce debts and how they abuse it to land consumers in jail. A very disturbing trend that has garnered attention from the ACLU and major media outlets who are not reporting some egregious cases of how consumers ended up in jail for unpaid debt. Take a listen, inform y...2018-08-0300 minThe Extra Credit ShowCredit News Headlines of the Week! Vantage Score, Mortgages, Equifax Update and Renting Vs Buying!This week we mashup a few headlines that make waves this week regarding credit scores.
Vantage coming into the Mortgage Market was put off by Fannie Mae and Freddie Mac, which is an interesting twist of event.
Also - Equifax comes up with a funny defense for their class action lawsuit that resulted after they exposed everybodys personal information.
We also got our hands on an analysis of Renting a home VS Buying a home, and how long it takes to break even. Very interesting insight that we discuss and throw in our 2...2018-07-2700 minMortgage SpaceHome Buyer Workshop: Keys to getting your credit "Mortgage Ready"Anselmo Moreno of Innovative Credit Solutions speaks 'live' with an audience about the elements that are crucial to becoming "mortgage ready" with your credit. He discusses the different credit scoring models, the availability of free credit reports and the importance of managing your credit liabilities. Key focus on what takes the score to the threshold for mortgage finance.2018-07-2425 minThe Extra Credit Show4 Listener Questions Answered!In this episode we tackle questions submitted by YOU, our awesome listeners.
1.) Why is it that when people come to my house to sell stuff, they are offering me a 20% interest despide my score being 760+?
2.) In the last 6 months, I've paid of also of my credit cards that were charged off. My score has barely budged, why is my score not moving?
3.) Can the Government send my account to collections?
4.) A debt collector is wanting to schedule an appointment with me to "serve" me with court papers, and they keep saying I ne...2018-07-2000 minMortgage SpaceWhen is your credit mortgage ready?In this episode we talk with credit industry master Anselmo Moreno of Innovative Credit Solutions. We discuss the importance of understanding what affect a credit score and what are some common credit myths and how to maximize your credit scores and obtain the absolute best terms for credit that a bank can offer. Visit his podcast www.extracreditshow.com2018-07-1953 minThe Extra Credit ShowStudent Loans & Credit Scores!We have been working on discussing student loans on the show for a while now! It's such a complex subject that we finally just decided to jump right in and start discussing it. This will be a subject that will require multiple episodes, but this is the first one that really breaks down the differences in the credit reporting and credit scoring rules that Student loans have vs. Regular consumer loans.
If you have student loans and really want to understand them, this will be a great start! Thanks for listening!
Share this episode with ev...2018-07-1300 minThe Extra Credit ShowMax out your score: How to correctly time your inquiry so you don't leave any points on the tableA common saying in the office that we find ourselves telling our client is "You are leaving too many points on the table" - and that is normally because the client is wanting to run their credit aka apply for credit at the wrong time. Timing in the credit world can make a huge difference in the credit score your lender sees when they calculate your score.
In this episode we discuss how we coach our clients into optimizing their credit score and learning to time their inquiry/credit application so that the score is the highest...2018-07-0600 minThe Extra Credit Show"Credit Engineers" and Business Credit Funding Scams Galore!In this episode we discuss some new crazy credit repair scams that we have been exposed to. Do you know what credit engineering is? We didn't, but somebody tried to sell us on it and after we were pitched the idea we barfed a little bit! Learn about this new ponzi scheme scam and get out of the way!
Also a new twist on an old scam - business credit funding! This one was pretty annoying to see because it happend to an old client of ours, luckily our client realized it was a scam and reached...2018-06-2900 minThe Extra Credit ShowID Theft Victim Interview: An extreme case of ID Theft and how LifeLock failed to helpIn this episode we interview a long term client of ours who has undergone one of the most extreme cases of ID Theft that we have seen in our professional carreers. Our client, "Mr. T" gives us his side of the story and we discuss how he has had to deal with IRS problems, DMV problems, and of course Credit reporting problems. It is kind of a pain to prove that it was not you who had a DUI in another state in order to get your license in your home state....and Mr. T tells us all about...2018-06-2200 minThe Extra Credit ShowAnselmo Vs. Shady Debt Collector - Special EpisodeWe have been quite busy here at the office this month, and with Richard being in Japan vacationing- we are up to our eyeballs in work!
But no fear, Richard will be back next week and we will be back on track to deliver weekly Extra Credit Show Episodes.
I thought I'd share with you guys a little verbal back and forth against a Debt Collector that was threatning one of our clients with a lawsuit, which seemed a bit shady since the debt appeared to be past the statute of limiations. Take a listen...2018-06-1500 minThe Extra Credit ShowThe IRS Prank Call - Special EpisodeI was receiving a bunch of voicemails from someone claiming to be with the IRS making threats about an arrest warrant issued under my name. I decided to call them back....and document it!
Don't fall for this scam, spread awareness!
The Extra Credit Show is a show hosted by Ex-Debt Collection Agency Executive and Consumer Credit Expert Anselmo Moreno and his business partner Richard David. They have been in the consumer credit consulting and credit repair business since 2005. They often found themselves talking to each other about the current state of consumer credit, debt, c...2018-06-0100 minThe Extra Credit ShowCharge-Offs: What is a Charge-OFF and how bad is it?Charge Offs are a funny little word that is understood in many different ways. Some consumers believe once it's charged off you no longer have to pay for the debt. Some believe that a charge-off is a tax benefit for the creditor. So what exactly is a charge off and how bad is it for your credit score?
In this episode we breakdown Charge-Offs, and discuss how they happen, and what you can do about it.
The Extra Credit Show is a show hosted by Ex-Debt Collection Agency Executive and Consumer Credit Expert Anselmo Moreno a...2018-05-2500 min
Guille De Alba PargaLa voz del poeta 23 de mayoHOY *HOY* HOY*
**POST PARA COMENTARIOS **
12 DEL MEDIO DÍA TIEMPO DE MÉXICO
LLega una vez más "La voz del poeta"
También agradeciendo el entusiasmo y participación que demostraron en el programa pasado, tendremos de invitados a Gladis Mereles Pereira y Anselmo Tapia Telles
Y no podían faltar como cada semana nuestros amigos de Nautas de letras..
."Quisiera", de Laura Moreno en su voz
"Díastole", de Gilda Garcia en su voz
"De la niñez que anhelo", de Liah Annh
Y nuestros invitados semanales
Tuzita Briones Gaytan
Adriana Mares
Mariablanca Martinez y José Luis García
...2018-05-241h 58The Extra Credit Show850 Credit Score Mindset - Good Credit Joe VS. Bad Credit JoePeople with higher credit scores have a significantly different mindset when compared to folks with a low or poor credit score. This is an interesting observation that we have made in the last 12 years that we have been helping consumers navigate credit issues. We breakdown some of the decisions made by "good credit" Joe and compare them vs. what "Bad Credit" Joe would do.
Take a listen to the episode and let us know if you can resonate with some of our examples - and don't worry if you feel you fit the Bad Credit Joe mold...2018-05-1900 minThe Extra Credit ShowMixed Credit: When somebody else's credit history shows up on your credit report
A mixed file is when credit information for two or more people is erroneously put into a given consumer’s report. Given that consumers have unique Social Security numbers, you would think mixed files would rarely, if ever, happen, but they do. Common reasons for mixed files include people, particularly family members, with similar names and/or addresses. Sometimes, people with similar names and Social Security numbers will become victims of mixed files. When this happens, information will be wrongly attributed to a given consumer.
The Extra Credit Show is a show hosted by E...2018-05-1100 minThe Extra Credit ShowID THEFT: Data Breach Survival GuideThis is a MUST LISTEN -
Bottom Line: In this new age of Data Breaches being the new norm, your information is not safe. In this latest episode we discuss exactly what it means to have your information exposed in a data breach (Chances are it has happened to you) - and what you can - and should do - to protect yourself.
The Extra Credit Show is a show hosted by Ex-Debt Collection Agency Executive and Consumer Credit Expert Anselmo Moreno and his business partner Richard David. They have been in the consumer credit co...2018-05-0400 minThe Extra Credit Show3 common credit issues and what you can do to fix themIn this latest installment of The Extra Credit Show - we tackle 3 common credit issues - as published by the CFPB. Link to article can be found here:
https://www.consumerfinance.gov/about-us/blog/3-common-credit-issues-and-what-you-can-do-fix-them/
Of course - we didn't exactly agree that these were common credit issues, so we threw in our own top 3 - making it a total of 6 common credit issues discussed - and we feel ours are much more relevant!! Take a listen and let us know if you agree!
Discussed in this episode are:
1.) Lack of...2018-04-2700 minThe Extra Credit ShowWhat the FICO: Breaking down the FICO Credit Scoring ModelCredit Scores are full of MYTHS!
FICO is used in 90% of lending decisions, and it is important to understand what FICO scoring models take into consideration when calculating your credit scores.
In this episode we breakdown the factors, and exactly how much of each factor actually affects your score.
We breakdown:
Payment history (35%)Amounts owed (30%)Length of credit history (15%) Credit mix in use (10%)New credit (10%)
Take a listen and allow us to take you on a journey to Master your Credit Score!!
The E...2018-04-2000 min
Z I B A L D O N EMusica, danza e teatro a Poble Sec (13 aprile 2018)
Il menù di Zibaldone di questo venerdì è stato il seguente:
– Arrivato alla sua terza edizione, il Festival Seco è ormai una realtà consolidata delle attività primaverili del quartiere di Poble Sec. Musica, teatro, esposizioni, cinema e tanto altro a partire dalle associazioni attive da tempo nel quartiere. Una bellissima iniziativa nata dal basso e che riporta l’arte tra la gente. Un programma ricco di proposte che si svolge tra il 12 e il 15 aprile. Ce ne parla Cosimo Tacinelli accompagnato dal cantautore cileno Luistófoles, uno degli artisti presenti in questa edizione del Festival. Per maggiori informazioni...2018-04-141h 54The Extra Credit ShowCredit and Divorces: What happens to your credit when you get Divorced!Protecting your credit during and after a Divorce
Debts that are commonly divided in divorce proceedings are typical consumer debts such as mortgages, car loans, and credit cards. These types of consumer credit products are generally credit that is reported to all three major credit bureaus, and which can be a great source of damage and stress post-divorce.
In a divorce decree, the court assigns payment responsibilities to one spouse or the other, but it cannot amend or override the original contract signed by both spouses. In the credit world, this means that if your...2018-04-1300 minThe Extra Credit ShowCaution: Don't Co-Sign! 4 things you NEED to know about Co-Signing and Credit ScoresCaution: Don't Co-Sign! 4 things you NEED to know about Co-Signing and Credit Scores ---
When an eager consumer doesn’t qualify for the financing they require, they often are advised to seek a qualified “co-signer” to allow them to obtain the loan or credit extension.
Financially, it’s like juggling knives with your eyes closed.
In this episode we share a few horror stories about consumers who had co-signed and did not fully understand what it really means to be a co-signer. Also we discuss a few strategies to protect yourself if you are cu...2018-04-0600 minThe Extra Credit ShowYour Questions Answered: "Account in Dispute" Comments & Building Credit With Auto LoansWe have received GREAT questions by our awesome podcast listeners and we answered a few of them in this latest episode.
Question 1.) Should I go buy a car to build my credit history?
Queston 2.) I disputed something on my credit report, and now I see a remark on their that says "Account info disputed by consumer, meets FCRA requirements." What does that mean?
Question 3. ) How long should I keep a car loan open before paying it off to build my score? and Does the balance on my auto loan affect my cr...2018-03-3000 minThe Extra Credit ShowIs Credit Karma Accurate?In this episode we discuss a question that is in everyones mind:
IS CREDIT KARMA ACCURATE??????????
It is a very complicated answer (like all credit score related answers) -
Take a listen and show off to all your friends your new found credit score knowledge, and finally be able to answer correctly if someone questions the accuracy of Credit Karma!!
Thank you for listening!!!!!!!!!!!!!!!!
The Extra Credit Show is a show hosted by Ex-Debt Collection Agency Executive and Consumer Credit Expert Anselmo Moreno and his bu...2018-03-2300 minThe Extra Credit ShowConfessions of a Collector: Facebook and Debt Collectors!Can debt collectors use social media like facebook , instagram and other networks to gather intel on you?We take a deep dive into debt collector tactics - legit or not- and reveal some shocking tools and techniques they use to collect debt.
Covered in this episode:
*How a debt collector can fraudulently renew the statute of limitations for a lawsuit.
*How debt collectors use reverse directories to call your neighbors
*How the credit bureaus share your location and contact information with Debt Collectors so they can collect
...2018-03-1600 minThe Extra Credit ShowPublic Records - Tax Liens, Judgments, and Bankruptcies!First we discuss an email sent to our client from an alledged payday loan debt collector that broke every single consumer protection law ever made. For your viewing pleasure, The email can be found here: Crazy Debt Collector Email
Also.... we discuss the removal of public records from credit reports:
The three nationwide credit reporting companies—Equifax, Experian, and TransUnion—entered into a settlement with over 30 state attorneys general. This settlement, called the National Consumer Assistance Plan (NCAP) was supposed to require the three nationwide credit reporting companies to create minimum standards for personally identifiable info...2018-03-0900 minThe Extra Credit ShowExperian Releases 8th Annual “State of Credit" Report!Experian conducted its eighth annual “State of Credit Report,” which shows that the average credit scores have increased almost to the level of pre-recession numbers. The study also ranked the cities with the highest and lowest credit score averages and sets forth various generational insights.
In this episode we breakdown the report released by Experian!
The Extra Credit Show is a show hosted by Ex-Debt Collection Agency Executive and Consumer Credit Expert Anselmo Moreno and his business partner Richard David. They have been in the consumer credit consulting and credit repair business since 2005. They often foun...2018-03-0300 minThe Extra Credit ShowOnline Disputes Vs. Written Mail Disputes!Online disputes have become very popular, and many consumers are figuring out that they can save a stamp, and some time if they use the Online Consumer Dispute Methods available by all three bureaus. A little bit of research online and you will find arguements for and against online disputing. So what gives?
There are some technicalites within the FCRA that allows the bureaus to bypass certain requirements that have to be met with the standard written dispute. We discuss it in practical terms and bring it into context for those of you who are actively in...2018-02-2300 minThe Extra Credit ShowIs Credit Repair Right For You?If you are a consumer looking for debt or credit help, you may run across the following terms… Credit Counseling, Debt Settlements, Bankruptcy, Debt Management, Credit Repair and Debt Consolidation. If your relative went through credit counseling, it does not mean it is the best option for you.
Understanding each strategy and credit repair program is important in choosing which is the right one for you. In this Episode we break down who is the right consumer that can benefit from a Credit Repair program, and go in depth as to when consumers are NOT ready for cr...2018-02-1600 minThe Extra Credit ShowUsing your Tax Refund to Fix Your Credit!It's Tax Season!
And if you are expecting some monies back and would like to use some of those dollars to maximize your credit score, then this episode is for you.
We cover:
1.) Should I just pay off all my collections?
2.) Do I settle my debts? Pay them in full? Or do I DISPUTE them?
3.) Do I pay my credit card balances down to 50%? Or 40%? Or 30%?
The Extra Credit Show is a show hosted by Ex-Debt Collection Agency Executive and Consumer Credit Expert Anselmo Moreno and his...2018-02-0900 minThe Extra Credit ShowLegal Credit Repair Strategies & Tactics!Last week we covered the top 3 credit repair scams and tactics that are highly illegal and will land you in the slammer!
This week we cover legit credit repair strategies that are effective, ethical, and allow you to sleep at night knowing you won't end up in jail! A great compliment to Episode 3: How to build or re-build your credit history!
In a nutshell, Credit Repair is best used when grounded in facts, and there is alot of crap out there! We came across some section 609 bogus disputes that is marketed as a loophole and w...2018-02-0200 minThe Extra Credit ShowCredit Repair scams that will land you in JAIL!Credit Repair has been around for a long time, and credit repair tactics have been developed that have landed people in jail charged with FEDERAL offenses.
In this episode, we talk about the top THREE credit repair scams and how to identify and avoid them so you can avoid getting caught up in them, and avoid the slammer!
Specifically, we go into detail into CPN numbers, buying tradelines, and filing false fraud police reports. Each one of these tactics is backed up with examples of federal/state prosecutions that were done against all involved parties...2018-01-2600 min
The Extra Credit ShowWhy paying your rent or cell phone on time does not help your credit score!The name of the credit score game is pay your bills on time! But have you ever noticed that the bills you tend to pay on time don't show up on your credit report nor give you good credit? Example: Your RENT, Your Cell Phone bill, utilities, internet....etc
BUT- If you don't pay them they get sent to collections and hurt your score. Lame!
In this episode we discuss all that is NOT included in your credit score - so you can understand the game and learn to play it better.
We al...2018-01-2000 minThe Extra Credit ShowPeople with Bad Credit Pay More for Everything!People with bad credit pay more for everything!
It's pretty common knowledge that a better credit score results in better, more favorable terms when financing stuff. Simple concept: higher credit score, less risk to the bank, lower interest to the consumer. Lower score, higher risk, higher interest.
But it actually extends to almost every aspect of life. Jobs, rentals, furniture, insurance, short term loans, banking options, cell phones, utilities...the list is endless.
In this episode we go into detail and crunch some numbers to really breakdown exactly how much it cost to have bad credit using real world examp...2018-01-1200 min
The Extra Credit ShowMedical Collections don't hurt your credit score....Fact or Fiction?Have you ever heard that "Medical Debts / Collections do not hurt your credit score" ??
That is incredibly inaccurate and we debunk that myth. 52% of all collections on Credit Reports are Medical based debts, according to a report released by the CFPB. In this episode, we discuss the nuances of medical debts that get turned over to a collection agency, and how that can adversely affect your credit score. If you have medical collections and want to understand how to repair your credit, this episode will help you understand exactly how much medical collections are actually hurting your...2018-01-0800 minThe Extra Credit ShowThe Rule of 7 Years!Do you Remember 2011?
In 2011, now 7 years ago, a bunch of crazy things happened. Osama Bin Laden was killed, Prince William married Catherine Middleton, Steve Jobs Died, and Obama released his birth certificate! If you also stopped paying some or all of your debts in 2011, then 2018 is YOUR year. We are talking about foreclosures, short sales, credit card debts, auto loans medical bills, etc, all that will reach it’s statute of limitations for credit reporting under the Fair Credit Reporting act in 2018.
But what exactly is the statue of limitations, and can it be reset? Wh...2018-01-0400 min
The Extra Credit ShowHow to Build, or Re-Build your credit historyTwo Veteran Credit Repair Experts, and Ex-Debt Collectors go in detail about the nuances of building your credit score and credit history. Learn exactly the steps to take and products to obtain to build your credit history the right way.
The Extra Credit Show is a show hosted by Ex-Debt Collection Agency Executive and Consumer Credit Expert Anselmo Moreno and his business partner Richard David. They have been in the consumer credit consulting business since 2005. They often found themselves talking to each other about the current state of consumer credit, debt, credit bureaus etc.
Take a...2018-01-0300 minThe Extra Credit ShowHow to deal with Debt CollectorsHave you ever heard these words: "This is an attempt to collect a debt, and any information obtained will be used for that purpose..." ? What Rights do you REALLY have, and how do you exercise them?
Two Veteran Credit Repair Experts, and Ex-Debt Collectors, discuss Debt Collection Agencies and how to effectively deal with them.
The Extra Credit Show is a show hosted by Ex-Debt Collection Agency Executive and Consumer Credit Expert Anselmo Moreno and his business partner Richard David. They have been in the consumer credit consulting business since 2005. They often found themselves talking t...2018-01-0300 minThe Extra Credit ShowThe Truth about Debt ConsolidationVeteran Credit Repair and Consumer Credit Experts discuss the truth about the Debt Consolidation Process and how companies can take advantage of consumers who find themselves desperate for debt help. We also comment on the lawsuit filed by the CFPB against Freedom Debt Relief.
Listen as a podcast on iTunes, Google Play and SoundCloud - www.TheExtraCreditShow.com
www.facebook.com/TheExtraCreditShow2018-01-0200 min
Da Muvment Boxing ShowEPISODE 4 - Da Muvment Boxing Show1) Robert Easter Jr - Richard Commey Review 2) Kell Brook - GGG Review 3) Chocalitito - Cuadras Review 4) Derrick James interview 5) Vasyl Lomachenko vs Jezreel Corrales in play for November 12th 6) NYSAC insurance requirements for combat sports 7) Krzysztof Glowacki vs. Oleksandr Usyk WBO title fight breakdown 8) Liam Smith vs. Canelo Alvarez WBO title fight breakdown 9) Shinsuke Yamanaka vs. Anselmo Moreno WBC bantamweight rematch breakdown 10) U.O.E.N.O - Oscar De La Hoya defeats Fernando Vargas by 11th round KO (2002) 11) Da Final Blow - Bo Bland2016-09-1400 min
Pound 4 Pound Boxing ReportPound 4 Pound Boxing Report #97 - Yamanaka vs. Moreno... Too Close to Call?September 24, 2015
On this episode we discuss...
Boxing Reviews
- We discuss Shinsuke Yamanaka's split decision win over Anselmo Moreno. Who did you have winning?
- Julian Williams destroyed Luciano Cuello in 93 seconds last night. Is Williams ready to compete with the elite at Jr. Middleweight?
Boxing News
- It now seems as if Scott Quigg - Nonito Donaire is now off. Does this mean that we will finally see Quigg and Carl Frampton square off?
- A couple of big announcements including a YTBC Boxing collaboration. with the O.G's., Boxing Beats and Rhymes.
Boxing Preview
- Deontay Wilder...2015-09-251h 59
Pound 4 Pound Boxing ReportPound 4 Pound Boxing Report #90 - News, News, and More News!!!July 16, 2015
On this episode we discuss...
Boxing Recap
- Keith Thurman scored an 8th round TKO over Luis Collazo. We discuss why Collazo up and quit and discuss the future for "One Time".
- Willie Nelson rallies to stop undefeated prospect Tony Harrison.
- Mauricio Herrera scores a fifth round technical win over Hank Lundy. Given how the fight ended (due to a cut over Herrera's eye) is a rematch in order?
- Donnie Nietes impressively defended his title WBO Jr. Flyweight title against Francisco Rodriguez. With Nietes clearly establishing himself at the best Jr. Flyweight in the world...2015-07-172h 29
Pound 4 Pound Boxing ReportPound 4 Pound Boxing Report #60 (10/2/14) - Problematic JudgingOn this episode of the Pound 4 Pound Boxing Report we discuss:
Boxing Recap
- We take a look back at the controversy surrounding Arthur Abraham's win over Paul Smith and question the judges that scored this fight.
- Artur Beterbiev destroys former Lt. Heavyweight champion Tavoris Cloud in two rounds. Was this a case of Beterbiev showing that he's a future Lt. Heavyweight to be reckoned with or Beterbiev taking advantage of a Tavoris Cloud on the decline.
- Roy Jones knocks out Hany Atiyo in one round. Does it really mean anything, or is Roy on the verge o...2014-10-031h 12
LIITR 11/15/12 Leo Santa Cruz, Luis Garcia & Alfredo Angulo.This week, fight fans joined our hosts as we looked back on Abner Mares' impressive victory over Anselmo Moreno and looked forward to the upcoming weekend of action headlined by Lightweights Antonio Demarco and Adrien Broner.
Undefeated IBF Bantamweight champion Leo Santa Cruz took the time to catch up with Leave it in the Ring and gave his opions on everything from the recent TKO of Victor Zaleta to the future of his bright career.
Strength and conditioning coach Luis Garcia came on the air and talked at length regarding his contributions to the Mares camp in preparing the young...2012-11-162h 55
BRONER VS DEMARCO PREDICTIONS-154 CHAMP AUSTIN TROUTIn Depth Interview with WBA 154 Champion Austin Trout who faces Miguel Cotto on Showtime at MSG in NYC on December 1st! Recap for the HBO Doubleheader featuring Erislandy Lara vs Vanes Martirosyan that ended up going to the scorecards early from a cut and the Showtime Tripleheader that had plenty of action on the undercard and a rough main event fight between Abner Mares and Anselmo Moreno. Plus, Preview, Debate, & Predictions for the Adrian Broner vs Antonio Demarco fight live on HBO from Atlantic City as well as the fight in L.A. featuring Hernan"Tyson" Marquez vs Brian Viloria! Ot...2012-11-152h 46IBF CHAMP RANDALL BAILEY & JOSE BENAVIDEZ JRIn the first hour we welcome New IBF Welterweight Champion Randall "Knockout King" Bailey for an In Depth Interview as he readies himself for a fight with Former Lightwelterweight Champion Devon Alexander. Plus, Red Hot Prospect Jose Benavidez Jr. checks in to the show to catch us up with his career and plans for the rest of 2012 & 2013. Also, Preview & Predictions for the upcoming fight schedule as well as Recap from last weekends action. Other Topics For Discussion- Abner Mares vs Anselmo Moreno in talks for Vegas October 13th. -Al Bernstein's New Book 30 years....30 undeniable. -Dana White falsely reports Jon Jones in and Mann...2012-08-162h 39
Costa ColoradoCosta Colorado - Podcast Episode 30a part of the set i played at 321Festival 2012
www.costacolorado.com
iTunes: bit.ly/colorado-itunes-podcast
Facebook: bit.ly/colorado_facebook
Twitter: bit.ly/colorado__twitter
Instagram: bit.ly/colorado_instagram
Youtube: bit.ly/colorado_youtube
Tracklist:
1. Conjure One, Marcus Schossow - Like Ice (Marcus Schossow Extended Remix)
https://pro.beatport.com/track/like-ice-marcus-schossow-extended-remix/1782432
2. DJ Slater & Nipp - Springish (Andrea Bertolini Remix)
http://www.beatport.com/release/springish/836231
3. Graeme Lloyd, Lizzie Curious, Sonny Wharton - New World Translation(Sonny Wharton Full Vocal Remix)
https://pro.beatport.com/track/new-world-translation-sonny-wharton-full-vocal-remix/1500150
4. Ummet Ozcan — Miami Sundown(Original Mix)
https://pro.beatport.com/track/mi...2012-07-131h 07Costa Colorado | Official PodcastCosta Colorado - Podcast Episode 30a part of the set i played at 321Festival 2012
www.costacolorado.com
iTunes: bit.ly/colorado-itunes-podcast
Facebook: bit.ly/colorado_facebook
Twitter: bit.ly/colorado__twitter
Instagram: bit.ly/colorado_instagram
Youtube: bit.ly/colorado_youtube
Tracklist:
1. Conjure One, Marcus Schossow - Like Ice (Marcus Schossow Extended Remix)
https://pro.beatport.com/track/like-ice-marcus-schossow-extended-remix/1782432
2. DJ Slater & Nipp - Springish (Andrea Bertolini Remix)
http://www.beatport.com/release/springish/836231
3. Graeme Lloyd, Lizzie Curious, Sonny Wharton - New World Translation(Sonny Wharton Full Vocal Remix)
https://pro.beatport.com/track/new-world-translation-sonny-wharton-full-vocal-remix/1500150
4. Ummet Ozcan — Miami Sundown(Original Mix)
https://pro.beatport.com/track/mi...2012-07-131h 07