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Most police officers are law abiding true heroes. However, there are always a few bad apples like you see on this video. Know your constitutional God given rights, folks

Amazing word of advice from Mr. Kevin DeLory

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Tell your people you love them. Appreciation goes a long way. | By Kevin | Facebook

Tell your people you love them. Appreciation goes a long way.

Here is classic by the Rolling Stones She’s So Cold

https://www.youtube.com/watch?v=sEJM6NJt-9c

Amazing message Kevin. Thank you for your faith and outlook in life and being a hero to us all. God Bless 🙏

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After a fantastic day on Tuesday and frustrating little bounce after yesterday’s Retail Sales data, mortgage rates have fully recovered back to the recent lows.

Any time rates move enough to merit a discussion, it coincides with a similar move in the broader bond market. Bonds are currently highly susceptible to economic data (as seen on Tue/Wed).

Whereas Wednesday’s data pushed bond yields and interest rates higher, Thursday’s data sang a different tune. weekly Jobless Claims (not to be confused with the big monthly “jobs report” that comes out on the first week of any given month) were higher than expected and several other reports also spoke to a modest uptick in economic headwinds.

The economy may not like headwinds, but what’s bad for the economy is generally good for bonds/rates. Today was no exception. As bonds erased all of yesterday’s losses, interest rates moved back in line with best recent levels. For some lenders, that was Tuesday. For others, it was last Friday.

A true mentor, friend, business Associate, Leader, and hands down the best inspiration, Kevin DeLory, The Chief Lending Officer at Equity Prime Mortgage (EPM). I never spoke or directly ever communicated with this great man and leader, Kevin DeLory. However, I have grown very fond of this great man and seem I have known him all my life. I first became curious about The leadership of Equity Prime Mortgage became I became intrigued with working with a young talented wholesale account executive three years ago, Christian Sorenson. I became very fond of Christian Sorenson over the years and beloved it or not, Christian Sorenson was part of a package deal when I was negotiating my employment for a P and L Branch at NEXA Mortgage with CEO Mike Kortas. I respectfully requested to CEO Kortas if TEAM GCA is moving to NEXA Mortgage, Christian Sorenson needs to be our EPM account executive even though there were other talented EPM wholesale reps. Having interest,friends, family, fondness, and experience in law enforcement, I started poking around the foundation of EPM and that’s how God dropped Kevin DeLory on my lap. WOW!!! Every one of his messages is spiritual and not a statement that I do not agree with this legend of a great man. Seems I known Kevin DeLory all my life. I become to know him more and more as time passed and asked a favor to Christian Sorenson if he can arrange a phone call between the two of us. There is not a person in the world 🌎 who I have prayed more for than Kevin DeLory. My foundation is you are who you hang with. It’s the people that make a great team. It’s the team that make a great company. Kevin DeLory is the type of leader we need for decades to come to make this World a better place for our children, and grandchildren. God Bless this GREAT FRIEND AND 🙏 ❤️ LEADER. WE LOVE YOU KEVIN DELORY

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Rhode Island is the smallest state in the United States by land area and one of the original 13 colonies that declared independence from British rule during the American Revolution. Here are some key facts and information about Rhode Island:

1. Geography: Rhode Island is located in the New England region of the northeastern United States. It is bordered by Massachusetts to the north and east, Connecticut to the west, and the Atlantic Ocean to the south. Despite its small size, the state has a diverse geography, including coastal areas, bays, and islands.

2. Capital and Largest City: Providence is both the capital and the largest city of Rhode Island. It is home to many universities, including Brown University and the Rhode Island School of Design (RISD).

3. Nickname: Rhode Island is often referred to as the “Ocean State” due to its extensive coastline along the Atlantic Ocean.

4. History: Rhode Island was one of the original 13 colonies, and it played a significant role in the early history of the United States. It was founded by Roger Williams in 1636 as a haven for religious freedom and tolerance. The state was also the first to declare independence from Britain on May 4, 1776.

5. Economy: Rhode Island’s economy is diverse, with sectors such as healthcare, education, manufacturing, and tourism playing important roles. The state is known for its maritime and fishing industries, as well as its vibrant arts and culture scene.

6. Tourism: Rhode Island attracts visitors with its beautiful coastline, historic sites, and cultural attractions. Popular destinations include Newport, known for its Gilded Age mansions and sailing culture, and the coastal town of Narragansett, famous for its beaches.

7. Education: Rhode Island is home to several prestigious educational institutions, including Brown University, the University of Rhode Island (URI), and the Rhode Island School of Design (RISD). These institutions contribute to the state’s academic and cultural vibrancy.

8. State Symbols: The state bird of Rhode Island is the Rhode Island Red, and the state flower is the violet. The state’s motto is “Hope,” which is featured on its flag.

9. Government: Rhode Island has a state government that consists of a governor, a bicameral legislature (House of Representatives and Senate), and a judiciary. It is known for its long history of political activism and engagement.

10. Quirky Facts: Rhode Island is known for having the longest official state name in the United States: “The State of Rhode Island and Providence Plantations.” In recent years, there have been discussions about shortening the state’s name to eliminate the reference to “plantations” due to its historical associations with slavery.

Overall, Rhode Island may be small in size, but it has a rich history and a unique identity within the United States.

Here’s five photos of Chase my 10-month German Shepherd puppy 🐶 💖 💓 💕 😍 💗 Got him at 7 months old. Very skinny. Weighed 55 pounds and gained 10 pounds after 3 weeks. Don’t know how much he weighs yet. Still under treatment for intestinal worms.

Occupancy fraud, also known as occupancy misrepresentation or occupancy fraud scheme, is a type of fraudulent activity that occurs in various industries, including real estate and insurance. It involves misrepresenting the occupancy status of a property or the intended use of a property for personal gain or to obtain favorable terms or benefits. Here are some common examples of occupancy fraud:

1. Mortgage Fraud: In the context of real estate, occupancy fraud can occur when a borrower misrepresents their intention to live in a property as their primary residence when, in fact, they plan to use it as an investment property or a vacation home. This misrepresentation may be done to secure a lower interest rate or down payment requirement, as primary residence mortgages often have more favorable terms.

2. Insurance Fraud: In the insurance industry, occupancy fraud can occur when an insured individual misrepresents the occupancy status of a property to obtain lower insurance premiums. For example, someone may claim that a property is their primary residence when it is actually vacant or used as a rental property to secure lower insurance rates.

3. Rental Fraud: In the rental market, tenants may engage in occupancy fraud by subletting or renting out their leased property without the landlord’s knowledge or consent. This can lead to unauthorized occupants living in the property, potentially violating lease agreements and causing legal issues.

4. Government Programs Fraud: Some government programs and incentives are based on the occupancy status of a property. Individuals or businesses may engage in occupancy fraud to qualify for these programs when they are not eligible, potentially receiving subsidies or benefits they do not deserve.

Occupancy fraud is illegal and can have serious consequences, including financial penalties, legal actions, and damage to one’s reputation. Lenders, insurers, landlords, and government agencies often investigate and take measures to detect and prevent occupancy fraud to protect their interests and maintain the integrity of their programs and services.

Nebraska is a state located in the Midwestern region of the United States. Here are some key facts and information about Nebraska:

1. Capital and Largest City: The capital of Nebraska is Lincoln, while its largest city is Omaha.

2. Geography: Nebraska is known for its flat and largely treeless landscape, particularly in the eastern part of the state, which is part of the Great Plains. The western part of Nebraska is more rugged and includes the Sandhills region, as well as the beginning of the Rocky Mountains.

3. State Motto: The state motto of Nebraska is “Equality before the law.”

4. Nickname: Nebraska is often referred to as the “Cornhusker State.” This nickname is derived from the nickname “Cornhuskers,” which was given to the University of Nebraska athletic teams.

5. History: Nebraska became the 37th state of the United States on March 1, 1867. It played a significant role in the westward expansion of the United States during the 19th century, as the Transcontinental Railroad passed through the state.

6. Economy: Agriculture has historically been a major part of Nebraska’s economy. The state is known for its production of corn, soybeans, beef, and other agricultural products. In recent years, Nebraska has also developed a growing technology sector, particularly in and around Omaha.

7. Education: Nebraska is home to several institutions of higher education, including the University of Nebraska system, Creighton University, and Nebraska Wesleyan University.

8. Natural Attractions: Nebraska has several natural attractions, including Chimney Rock, a famous landmark on the Oregon Trail, and the Sandhills, which are a unique region of sand dunes and grasslands. The state also has several state parks and recreational areas for outdoor enthusiasts.

9. Historic Sites: Nebraska has numerous historic sites and museums, including the Homestead National Monument of America, which commemorates the Homestead Act of 1862, and the Strategic Air Command & Aerospace Museum, which showcases the history of military aviation.

10. Sports: Sports are popular in Nebraska, and the state is known for its passionate fan base, especially in college football. The University of Nebraska’s football team, the Cornhuskers, has a strong following. The state also has minor league baseball teams and other sports activities.

These are just some of the key aspects of Nebraska, a state with a rich history and diverse landscapes.

How is living in Puerto Rico 🇵🇷?

Manufactured homes, often referred to as mobile homes or trailers, are housing units that are built in a factory and then transported to their final site. These homes are designed to be more affordable and efficient compared to traditional site-built homes. Here are some key characteristics and information about manufactured homes:

1. Construction: Manufactured homes are constructed in a controlled factory environment, typically using assembly line techniques. This controlled environment allows for better quality control and efficiency in the construction process.

2. Mobility: One of the distinguishing features of manufactured homes is their mobility. They are built on a steel chassis with wheels, making them transportable to different locations. This mobility is why they are sometimes called “mobile homes.”

3. HUD Code: In the United States, manufactured homes are regulated by the Department of Housing and Urban Development (HUD). Homes that meet specific construction and safety standards outlined in the HUD Code are considered manufactured homes. The HUD Code sets standards for things like structural integrity, energy efficiency, and safety features.

4. Sizes and Styles: Manufactured homes come in various sizes and styles, ranging from single-wide to double-wide or even larger. Single-wide homes are narrower and typically have a single section, while double-wide homes are wider and consist of two sections that are joined together.

5. Affordability: Manufactured homes are often more affordable than traditional site-built homes, making them an attractive housing option for individuals or families on a budget. However, their resale value can be lower than that of site-built homes.

6. Customization: While there is some level of customization available for manufactured homes, they are generally less customizable than site-built homes. Buyers can often choose from a range of floor plans, finishes, and features, but major structural changes may be limited.

7. Placement: Manufactured homes can be placed in a variety of settings, including mobile home parks, rural properties, and private lots. However, zoning and land-use regulations may affect where you can place a manufactured home.

8. Financing: Financing options for manufactured homes may differ from those for site-built homes. There are specialized loans, such as chattel loans, that are designed for mobile homes. Additionally, if the home is permanently affixed to land you own, you may be able to secure a traditional mortgage.

9. Maintenance: Like any home, manufactured homes require regular maintenance to ensure they remain in good condition. This includes upkeep of the exterior, roofing, plumbing, and electrical systems.

It’s important to note that the term “manufactured home” is distinct from “modular home.” Modular homes are also factory-built but are constructed in sections or modules that are transported to the site and then assembled on a foundation. They often conform to local building codes and can resemble traditional site-built homes more closely.

The specific regulations and terminology related to manufactured homes may vary by country and region, so it’s important to familiarize yourself with local rules and guidelines if you are considering purchasing or living in a manufactured home.

• This discussion was modified 1 year, 7 months ago by  Bentley.

No Housing Structures / No Slabs etc.

Purchase only

Land Appraisal

60 days seasoned assets

Full Doc, Bank Statement or P&L … only one year income required

240 months term

660 min. score

65 LTV

Trans Union single repository credit report

Allows a non-occupying co-borrower

$100K min. loan amount

$154K min. purchase price

$825K max. loan amount

No Prepayments

No Insurance

No gift funds

No reserves

Gift of Equity allowed … case by case

1. Direct family member
2. 100% of the down payment in a gift of equity but needs 100% of the closing costs
3. Employed over two full years

• This discussion was modified 1 year, 6 months ago by  Felix.

The link below is for our Basic Credit Bootcamp. This is a short, very basic overview of credit. It is a great refresher and has some great tips included throughout the video. ENJOY and we hope you find something of value! If you have any questions, please feel free to reach out

http://www.thecreditcouple.net/bootcamp

thecreditcouple.net

Basic Credit Bootcamp

Basic Credit Bootcamp

So what does everyone’s thoughts on trigger leads. My clients with great credit, always gets harassed by other mortgage loan officers who purchase trigger leads. I’m thinking of actually purchasing trigger lead myself given the frequency that my clients get harassed. What are your thoughts?

First President of the United States 🇺🇸 who is not potty trained and most incompetent cheating lying dementia Joe Lying Cheating Biden. Fake President of the United States. Joe Biden makes Jimmy Carter a great President Dementia Joe Cheatin Biden shits in his pants

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💃🏽🔊🕺🏽 🤣😂 | Cdro_seeslies | q_jr_17_ · Original audio

💃🏽🔊🕺🏽 🤣😂. q_jr_17_ · Original audio

Chocolate labrador retrievers are Republicans

https://www.youtube.com/watch?v=CYuH7sR9OGw

When you see market with such high rates – your reaction be like ! yet we can work together and get to finish line !!

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When you are not sure – Let experts at Gustan Cho handle it !!

Best Mortgage Lenders for 500-579 Credit Scores

The best mortgage lenders for mortgages down to 500 FICO are direct or wholesale ones with zero lender overlays. The best bad credit lenders are mortgage lenders that will just off HUD agency guidelines and not implement lender overlays. Per HUD agency mortgage guidelines, anyone who meets HUD FHA lending requirements per HUD 4000,1 FHA Handbook is eligible for FHA loans. The automated underwriting system is a sophisticated computerized system with detailed, up-to-the-minute updated guidelines on all aspects of FHA loan requirements. The AUS will render an automated finding based on the HUD agency guidelines.

Payday loans are short-term high-interest loans backed by future paychecks. It is not recommended getting payday loans due to the high interest loan shark type of fees.

Maine is a state located in the northeastern region of the United States. Its capital city is Augusta, and its largest city is Portland. Maine is known for its rugged coastline along the Atlantic Ocean, picturesque lighthouses, and abundant natural beauty. Here are some key facts and features of Maine:

1. Geography: Maine is the northernmost state in the contiguous United States and is bordered by New Hampshire to the west, the Canadian provinces of Quebec to the northwest and New Brunswick to the northeast, and the Atlantic Ocean to the east and south. It has a diverse landscape that includes mountains, forests, lakes, and a rocky coastline.

2. Nickname: Maine is often called the “Pine Tree State” due to its dense forests of pine trees.

3. Lobster: Maine is famous for its lobster industry. Lobster fishing is a significant part of the state’s economy, and Maine lobsters are known for their quality and taste.

4. Tourism: Maine is a popular tourist destination, particularly in the summer and fall. Visitors come to explore its natural attractions, such as Acadia National Park, Baxter State Park, and the Appalachian Trail. The state’s coastal towns, like Bar Harbor and Kennebunkport, also draw tourists with their charm and scenic beauty.

5. Acadia National Park: Located on Mount Desert Island, Acadia National Park is one of the most visited national parks in the United States. It offers stunning vistas, hiking trails, and opportunities for outdoor recreation.

6. Maritime History: Maine has a rich maritime history, with a legacy of shipbuilding, fishing, and seafaring. The state’s maritime heritage is celebrated in museums and festivals.

7. Climate: Maine has a varied climate, with cold winters and mild summers in the interior regions, while coastal areas experience milder winters and cooler summers due to the moderating influence of the ocean.

8. Economy: In addition to lobster fishing and tourism, Maine’s economy includes agriculture, manufacturing, healthcare, and technology industries. The state is also known for its blueberry production.

9. Cultural Heritage: Maine has a rich cultural heritage, influenced by its Native American, French, English, and Irish roots. Its culture is celebrated through various festivals, art, and local traditions.

10. State Motto: Maine’s state motto is “Dirigo,” which is Latin for “I direct” or “I lead.” It reflects the state’s role in leading the nation as the easternmost state and guiding its future.

Maine is known for its natural beauty, outdoor recreational opportunities, and unique coastal lifestyle. It is a popular destination for those seeking a peaceful and picturesque escape from city life.

Missouri is a state located in the Midwestern region of the United States. Its capital is Jefferson City, and its largest city is Kansas City. Here are some key facts and information about Missouri:

1. Geography: Missouri is known for its diverse geography, with the Ozark Mountains in the south-central part of the state and the Mississippi River forming its eastern border. The state is also home to numerous rivers, lakes, and forests.

2. Nickname: Missouri is often referred to as the “Show-Me State.” The origin of this nickname is not entirely clear, but it is commonly associated with a phrase used by Congressman Willard Vandiver in 1899: “I’m from Missouri, and you’ve got to show me.”

3. State Symbols: Missouri has several state symbols, including the state bird (Eastern Bluebird), state flower (Hawthorn), and state tree (Flowering Dogwood).

4. History: Missouri has a rich history and played a significant role in the westward expansion of the United States. It was admitted to the Union as the 24th state in 1821. During the American Civil War, it was a border state with both Union and Confederate sympathizers.

5. Major Cities: Besides Kansas City and Jefferson City, other major cities in Missouri include St. Louis, Springfield, Columbia, and Independence.

6. Economy: Missouri’s economy is diverse and includes industries like agriculture, manufacturing, healthcare, and transportation. St. Louis is known for its role in the beer brewing industry and as a hub for several major corporations.

7. Education: Missouri is home to several universities and colleges, including the University of Missouri, Washington University in St. Louis, and Missouri State University.

8. Sports: The state has a strong sports culture, with professional sports teams such as the Kansas City Chiefs (NFL), St. Louis Cardinals (MLB), and the St. Louis Blues (NHL).

9. Natural Attractions: Missouri offers various natural attractions for outdoor enthusiasts, including the Ozark National Scenic Riverways, Mark Twain National Forest, and the Gateway Arch National Park in St. Louis.

10. Tourism: Tourism is a significant industry in Missouri, with attractions like the Gateway Arch, Silver Dollar City amusement park, and the Missouri Botanical Garden drawing visitors from around the country.

Please note that this information is accurate as of my last knowledge update in January 2022, and there may have been developments or changes in Missouri since then.

Second homes, often referred to as vacation homes or secondary residences, are residential properties that individuals or families own in addition to their primary residence. These homes are typically located in different geographic areas, such as vacation destinations or scenic rural areas, and they serve various purposes depending on the owner’s preferences and needs. Here are some key characteristics and reasons why people own second homes:

1. Vacation Getaways: Many people purchase second homes in attractive vacation spots or resort areas. These homes provide a convenient and comfortable place to spend holidays, weekends, or extended vacations away from their primary residence. This allows individuals and families to enjoy leisure activities, relaxation, and a change of scenery.

2. Investment Properties: Some individuals buy second homes as investment properties. They may rent out these homes when not in use to generate rental income and potentially benefit from property appreciation over time. Investment properties can be a source of passive income and a way to diversify one’s investment portfolio.

3. Retirement Planning: Some people acquire second homes with the intention of using them as retirement residences in the future. Owning a retirement home in a desirable location allows individuals to secure their ideal retirement lifestyle and potentially enjoy a lower cost of living.

4. Family and Friends: Second homes can serve as a place to accommodate family members, friends, or guests when they visit the area. This can be especially useful for those with large families or frequent visitors.

5. Lifestyle and Hobbies: People with specific interests or hobbies, such as golf, skiing, fishing, or boating, may buy second homes in areas that offer easy access to their preferred activities. These homes provide a convenient base for pursuing hobbies and recreational pursuits.

6. Tax Benefits: In some cases, owning a second home may offer tax advantages, such as deductions for mortgage interest and property taxes. However, tax benefits can vary depending on the location and usage of the second home, so it’s essential to consult with a tax professional for guidance.

Second homes can vary in size and style, ranging from small cottages to luxurious estates. The reasons for owning a second home vary from person to person, and they can provide a sense of escape, relaxation, and convenience for their owners. It’s essential to carefully consider the financial and logistical aspects of owning a second home, including maintenance costs, property management, and potential rental income, before making such an investment.

My friend Bill Burger-King Whopper is in Puerto Rico 🇵🇷. Bill, how’s life in Puerto Rico?

“MISSISSIPPI” is a U.S. state located in the southeastern region of the country. It is known for its rich history, diverse culture, and natural beauty. Here are some key facts and information about Mississippi:

1. Capital and Largest City: Jackson is both the capital and the largest city in Mississippi.

2. Nickname: Mississippi is often called the “Magnolia State” because of the abundance of magnolia trees and flowers in the region. Another nickname is the “Biloxi State,” referring to one of its prominent cities.

3. Geography: Mississippi is bordered by Tennessee to the north, Alabama to the east, Louisiana to the south, and the Mississippi River to the west. It has a diverse landscape, including flat coastal plains along the Gulf of Mexico, rolling hills in the central region, and forested areas in the northern part of the state.

4. History: Mississippi played a significant role in the American Civil War, with battles like the Battle of Vicksburg having a major impact on the outcome of the war. The state has a complex history of civil rights struggles and was a focal point of the civil rights movement in the 1950s and 1960s.

5. Economy: Mississippi’s economy is diverse and includes industries such as agriculture (cotton, soybeans, poultry, and aquaculture), manufacturing, healthcare, and tourism.

6. Culture: Mississippi has a rich cultural heritage, particularly in music. It is considered the birthplace of blues music, and famous musicians like B.B. King, Elvis Presley, and Muddy Waters have ties to the state. Literature also has a strong presence in Mississippi, with authors like William Faulkner and Eudora Welty hailing from the state.

7. Education: Mississippi is home to several universities and colleges, including the University of Mississippi (Ole Miss) and Mississippi State University.

8. Landmarks and Attractions: The state offers various attractions and landmarks, such as Vicksburg National Military Park, Natchez Trace Parkway, Gulf Islands National Seashore, and the Mississippi River itself, which is an essential part of the state’s identity.

9. State Symbols: Mississippi has several official state symbols, including the magnolia blossom (state flower), the white-tailed deer (state mammal), and the mockingbird (state bird).

10. Sports: College football is immensely popular in Mississippi, with rivalries between teams like Ole Miss and Mississippi State drawing large crowds. The state also has a rich tradition in sports, producing many professional athletes.

Remember that this information is based on my knowledge as of November 2023, and there may have been developments or changes since that time.

Hello Everyone,

Here is a great read regarding Agent fees & commission caps for new buyers that you should start seeing in the near future !

This post from CBS news could be a HUGE interest to you. this is a MAJOR INSIGHT on what the Industry could come in contact with in the coming months~

” Experts said this week’s legal verdict that the powerful National Association of Realtors (NAR) and several large brokerages conspired to inflate home commissions could eventually reduce real estate agents’ fees and, crucially, lower costs for home buyers and sellers. At a minimum, the jury ruling will likely lead to greater transparency, long a source of confusion and frustration for consumers about where their money goes in real estate transactions.

The vast majority — or nearly 90% — of U.S. homes are bought and sold through real estate agents affiliated with NAR. The organization, the country’s largest trade association, requires home sellers to offer a non-negotiable commission before listing homes on its property database, known as the Multiple Listing Service, or MLS, which feeds into real estate sites such as Zillow. Paid by the home seller to their agent as well as the buyer’s agent, the commission currently stands at around 5% to 6% of a home’s sale price. “

Please read & let me know …

What is your thoughts on this?

Is this a positive or negative impact on you personally?

Were all getting ready for next year and hoping and wishing for the market to ease with inflation ASAP – Will this be a huge factor/reason for buyers to get back into the market? I think so, especially with the closing costs we have all been seeing ” Lately ” ( for a while now ) on your borrowers to get deals done, I think this will open up a chunk of the buyers market that we haven’t seen in a while.

Honestly, from an Account Executives point of view, Closing costs kill deals just as much as rates can ~

https://www.cbsnews.com/news/nar-lawsuit-verdict-real-estate-agent-commissions/

• This discussion was modified 5 months ago by  Sapna Sharma.

Illinois is a state located in the Midwestern region of the United States. It is known for its diverse geography, including fertile farmland, rolling plains, and the bustling city of Chicago, which is the largest city in the state and the third-largest in the United States. Here are some key facts and information about Illinois:

1. State Capital: Springfield
2. Largest City: Chicago
3. Nickname: The Prairie State
4. Motto: “State Sovereignty, National Union”
5. Area: Approximately 57,914 square miles, making it the 25th largest state in the U.S.
6. Population: As of my knowledge cutoff date in January 2022, Illinois had a population of over 12.8 million people, making it the sixth most populous state in the country.
7. Geography: Illinois features a diverse landscape that includes fertile plains, forests, lakes, rivers, and the southern tip of Lake Michigan. The northern part of the state is characterized by the flat terrain of the Great Plains, while the southern part is more hilly and wooded.
8. Economy: Illinois has a diverse economy with a strong focus on agriculture, manufacturing, finance, and technology. Chicago is a major financial and business hub, home to the Chicago Mercantile Exchange (CME) and many Fortune 500 companies.
9. Education: Illinois is home to several prestigious universities and colleges, including the University of Illinois, Northwestern University, and the University of Chicago.
10. Landmarks: Illinois is known for its cultural and historical landmarks, including the Art Institute of Chicago, Millennium Park, Navy Pier, and the historic Route 66, which begins in Chicago.
11. Politics: Illinois has a history of political significance and has produced several U.S. presidents, including Abraham Lincoln and Barack Obama.
12. Transportation: The state has a well-developed transportation infrastructure, including major highways, airports, and a network of railways and waterways. O’Hare International Airport in Chicago is one of the busiest airports in the world.
13. Sports: Illinois is home to various professional sports teams, including the Chicago Bears (NFL), Chicago Bulls (NBA), Chicago Cubs and Chicago White Sox (MLB), and Chicago Blackhawks (NHL).

Please note that some of the information provided may have changed since my last knowledge update in January 2022. If you have specific questions or need more up-to-date information about Illinois, please feel free to ask.

This video clip is funny. Pranking a guy until he literally goes nuts.

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Please HOLD 📞 | Billy Rosewood IV | you_funny_fooker · Original audio

Please HOLD 📞. you_funny_fooker · Original audio

A federal jury’s landmark ruling could upend how Americans buy & sell homes. This is an interesting ruling that was just handed down after a Missouri jury found The NAR (National Association of Realtors) and others guilty of collusion to maintain commissions.

PLEASE READ THIS ARTICLE AND RESPOND IN THIS FORUM.

https://www.mpamag.com/us/news/general/nars-commission-collusion-case-rattles-real-estate-industry/465340

mpamag.com

NAR’s commission collusion case rattles real estate industry

Missouri verdict opens Pandora's box of lawsuits and potential overhaul in how homes are sold