He's the outspoken predictor of the future.  He's the publisher of "The Trends Journal" and his name is Gerald Celente.  What does he see for 2013?  He talks with Tony this morning. 


Michigan is the latest state to ban employers and colleges from demanding access to your Facebook account, but says Tech Talk host Larry Magid, that still doesn't mean it's safe to post those embarrassing pictures.

In the first report of its kind, the Center for Responsible Lending examines consumer lending markets across-the-board and finds that—despite major gains in regulatory reforms—predatory lending continues to undermine American households trying to rebuild their finances after the recession. The report, The State of Lending in America and its Impact on U.S. Households (State of Lending), gives an in-depth view of U.S. households’ income, spending, debt, and wealth. It also outlines predatory practices in mortgage lending, credit cards, student loans, and auto loans that undercut the benefits of these products. The report shows that many harmful lending practices persist, and much financial damage from the mortgage meltdown has not been addressed. The report includes new or updated data related to mortgage and car lending: Foreclosures and delinquencies by race and ethnicity, individual state data on the “spillover” costs of foreclosures, and individual state data on auto dealer markups. Bill Sermons, Center for Responsible Lending Director of Research joins Tony to discuss.   You can read the report here.


Metro Louisville closed out a violent 2012.  What do they expect for 2013?  SGT Robert Bevin joins Tony this morning.