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There are millions of secret facilities being built in all 50 states. We are talking 11 million plus secret facilities being built in all 50 states. These facilities are detention facilities. So what purpose does these detention facilities to house? Illegal immigrants? That’s a negative. You need to go back to the NAZI Concentration Camps. So who is quarterbacking all this? Is it Joe Biden Administration? Is it the Globalists? Mayorkis keeps on asking for more money to build secret detention facilities to build in all 50 states.

https://youtu.be/kkrQ8ZRsQ8U?si=cxxRRrSQXV9ktz_b

West Virginia is a state located in the Appalachian region of the eastern United States. It became a state on June 20, 1863, during the American Civil War, and it is the only state to have formed as a result of seceding from a Confederate state (Virginia) during that war.

Here are some key facts and information about West Virginia:

1. Capital and Largest City: Charleston is the capital of West Virginia, while its largest city is Huntington.

2. Geography: West Virginia is known for its beautiful mountainous terrain, earning it the nickname the “Mountain State.” The state is part of the Appalachian Mountains and is characterized by rolling hills, forests, and numerous rivers and streams. The highest point in West Virginia is Spruce Knob, which stands at 4,863 feet (1,482 meters) above sea level.

3. Economy: Historically, West Virginia’s economy has been closely tied to coal mining, and it has been a major coal-producing state for many years. However, the coal industry has faced challenges and declines in recent decades. The state’s economy has diversified to include other industries such as healthcare, manufacturing, tourism, and education.

4. Culture: West Virginia has a rich cultural heritage, with a strong tradition of Appalachian folk music, including bluegrass, country, and gospel. The state is also known for its traditional Appalachian arts and crafts, such as quilting and pottery. Festivals and events celebrating this cultural heritage are common throughout the state.

5. Education: West Virginia is home to several universities and colleges, including West Virginia University (WVU) and Marshall University. WVU is the state’s flagship public research university and is located in Morgantown.

6. Outdoor Recreation: The state’s natural beauty makes it a popular destination for outdoor enthusiasts. West Virginia offers opportunities for hiking, camping, fishing, hunting, white-water rafting, and skiing. The New River Gorge National River and Harpers Ferry National Historical Park are two popular outdoor destinations in the state.

7. Tourism: West Virginia attracts tourists with its scenic landscapes and outdoor activities, including the famous New River Gorge Bridge, which is one of the longest single-span arch bridges in the world. The state also hosts events like the Mountain State Forest Festival and the Bridge Day celebration.

8. State Symbols: West Virginia has various state symbols, including the state bird (Northern Cardinal), state flower (Rhododendron), state tree (Sugar Maple), and state motto (“Montani Semper Liberi,” which means “Mountaineers are always free”).

9. Nickname: West Virginians are often referred to as “Mountaineers” in reference to the state’s mountainous terrain. This nickname is also associated with West Virginia University’s athletic teams, known as the WVU Mountaineers.

10. Politics: West Virginia’s political landscape has historically been more conservative, and it is known for its strong support of the Republican Party in national elections. However, the state has had Democratic governors and has a mix of political views within its population.

West Virginia has a unique cultural identity and a rich history, and it continues to evolve as it faces economic and demographic changes in the 21st century.

Oklahoma is a state located in the southern central part of the United States. Here are some key facts and information about Oklahoma:

1. Capital and Largest City: Oklahoma City is both the capital and the largest city in the state.

2. Statehood: Oklahoma became the 46th state of the United States on November 16, 1907.

3. Geography: Oklahoma is known for its diverse geography, which includes plains, hills, forests, and lakes. It is part of the Great Plains region and is sometimes referred to as the “Sooner State.”

4. Nickname: Oklahoma’s nickname is “The Sooner State.” This nickname originated from the “Sooners,” who were settlers who entered the territory illegally before it was officially opened for settlement in 1889.

5. Population: As of my last knowledge update in January 2022, Oklahoma had an estimated population of over 3.9 million people.

6. Economy: Oklahoma’s economy is diverse, with significant contributions from agriculture, energy production (including oil and natural gas), aerospace and defense industries, manufacturing, and tourism.

7. Native American Heritage: Oklahoma has a rich Native American heritage, with numerous tribes having historical and contemporary ties to the state. The Trail of Tears, a forced relocation of Native American tribes in the 19th century, passed through Oklahoma.

8. Tornadoes: Oklahoma is part of Tornado Alley, a region in the central United States known for frequent and severe tornadoes. The state experiences a high number of tornadoes each year.

9. Education: Oklahoma is home to several universities and colleges, including the University of Oklahoma and Oklahoma State University.

10. Tourism: The state offers various tourist attractions, including the Oklahoma City National Memorial (honoring the victims of the 1995 Oklahoma City bombing), the Tulsa Zoo, the Chickasaw National Recreation Area, and the scenic Ozark Mountains in the eastern part of the state.

Please note that some details, such as population figures or specific events, may have changed since my last update in January 2022. If you have any specific questions or need more detailed information about Oklahoma, feel free to ask!

A business line of credit is a financial tool that provides a revolving credit limit to a business, allowing them to borrow funds as needed up to a predetermined limit. It is a flexible form of financing that can help businesses manage their cash flow, cover short-term expenses, seize opportunities, and address unexpected financial challenges. Here are some key aspects of business lines of credit:

1. Revolving Credit: A business line of credit works similarly to a credit card, in that it offers a predetermined credit limit that can be used repeatedly. As you repay the borrowed amount, the available credit is replenished, making it a renewable source of funding.

2. Types of Business Lines of Credit:

   • Secured Line of Credit: Requires collateral (e.g., business assets or personal assets) to secure the credit line, typically resulting in lower interest rates.
   • Unsecured Line of Credit: Does not require collateral but may have higher interest rates and stricter qualification requirements.

3. Usage Flexibility: Businesses can use a line of credit for various purposes, such as covering operational expenses, purchasing inventory, managing cash flow gaps, funding marketing campaigns, or investing in growth opportunities.

4. Interest and Fees: Borrowers are typically charged interest on the amount borrowed and may also incur fees, such as annual fees or withdrawal fees. Interest rates can be variable or fixed, depending on the terms of the credit line.

5. Repayment Terms: Lines of credit have minimum monthly payments, which often include interest charges and a portion of the principal balance. The repayment terms can vary, but businesses can choose to pay off the balance early or maintain an ongoing balance within the credit limit.

6. Qualification Criteria: Lenders evaluate a business’s creditworthiness, financial stability, and repayment ability when approving a line of credit. Factors such as credit scores, business revenue, time in operation, and personal guarantees may influence approval and credit limit decisions.

7. Renewal and Review: Business lines of credit are typically reviewed periodically, and lenders may adjust credit limits based on the business’s performance and creditworthiness. Renewal terms can vary by lender.

8. Advantages:

   • Flexibility: Access funds as needed, up to the credit limit.
   • Cost-Effective: Interest is only paid on the borrowed amount.
   • Cash Flow Management: Helps businesses smooth out cash flow fluctuations.
   • Quick Access: Typically, it’s faster to obtain a line of credit compared to a traditional loan.

9. Disadvantages:

   • Interest Costs: Borrowing comes with interest charges, which can add up.
   • Qualification Requirements: Businesses need to meet certain criteria to secure a line of credit.
   • Risk of Overextension: Mismanagement of a credit line can lead to debt problems.

Businesses should carefully consider their financial needs and ability to repay before obtaining a line of credit. It’s important to compare offers from different lenders to find the most favorable terms and use the credit responsibly to support business objectives.

How can you become a commercial loan officer? Is there a great informative commercial loan officer school that doesn’t charge an arm and a leg.

Non-QM Mortgage Brokers is a national mortgage broker and correspondent lender licensed in 48 states, including Washington, DC, Puerto Rico, and the United States Virgin Islands. Non-QM Mortgage Brokers is a wholly-owned subsidiary of Gustan Cho Associates, Inc. Gustan Cho Associates, also referred to as GCA Mortgage Group NMLS 2315275 is a dba of NEXA Mortgage, LLC NMLS 1660690, the nation’s largest mortgage broker and correspondent lender with nearly 3,000 licensed mortgage loan originators and equally number of support, operations, and third-party independent contractor service providers. Non-QM Mortgage Brokers specialize in providing mortgage options for individuals who may need to meet the standard lending criteria set by the Consumer Financial Protection Bureau (CFPB). Licensed mortgage loan originators at Non-QM Mortgage Brokers offer more flexible mortgage loans regarding income and credit requirements, which can benefit borrowers such as business owners, self-employed individuals, and gig workers.

Here are some key features of non-QM loans:

Flexible Income Documentation: Borrowers may use alternative methods, such as tax returns, bank statements, or 1099s, to demonstrate their ability to repay the loan.

Higher Debt Limits: Some non-QM loans allow for debt-to-income ratios over 50%, compared to the standard 43%.

No Waiting Period After Bankruptcy: Certain non-QM loans do not require a waiting period after bankruptcy or foreclosure, enabling quicker access to a mortgage.

Higher Down Payment Requirements: Non-QM loans often require a larger down payment, typically between 15% to 20%.

Higher Interest Rates: Due to the increased risk associated with these loans, non-QM mortgages usually come with higher interest rates.

If you’re considering a non-QM loan, it’s important to shop around and compare offers from different lenders to find the best terms for your situation. Remember that while non-QM loans can provide a path to homeownership for those who don’t qualify for traditional mortgages, they also come with higher costs and risks. It’s advisable to consult with a financial advisor or mortgage broker to understand all the implications before proceeding. Non-QM Mortgage Brokers is the nation’s largest mortgage broker of non-qualified mortgages. For more information, visit us at Non-QM Mortgage Brokers, Inc. at

https://www.non-qmmortgagebrokers.com/

non-qmmortgagebrokers.com

Home - Non-QM Mortgage Brokers

Finance Your Dream Home Easily With Us Problem Credit? Need a Creative Mortgage Lender? Talk To Us. We Are Able To finding The Perfect Mortgage For Your Dream Home Find A Lender With Us Fill out the form by click … Continue reading

Precious metals are the best investments today. Here’s Fake President Biden’s zero cent coins from the U.S. TREASURY MINT.

Viviani Fedelich is a star in the making. The team at GCA Mortgage Group and Lending Network LLC is proud to work with Viviani Fedelich. Viviani Fedelich is a role model and always goes above and beyond. Mark my words, Viviani Fedelich is a multi millionaire in the making. Attached is where Viviani Fedelich does her work and is Viviani think tank. Viviani is a commercial loan officer and a Business Development Manager at Lending Network LLC.

What are the difference between mobile homes, manufactured homes, and manufactured homes. How can I get financing on mobile homes, manufactured homes, or modular homes.

Utah Hard Money loans in Utah at 75% LTV and Closing in 24 hours. No cap. Investment properties only. Can close same day. Contact on Gustan Cho at gcho@gustancho.com

http://Www.gustancho.com/hard-money-loan-closings/

• This discussion was modified 1 month, 4 weeks ago by  Sapna Sharma.
• This discussion was modified 1 month, 2 weeks ago by  Sapna Sharma.

John Parker, who are the top 10 branches at NEXA Mortgage so I can compare apples to apples. I think it’s time we start going full blast recruiting. Also. The largest size branches at NEXA by volume and loan officers. Thanks.

Today’s meeting with Yvonne Schinzel has been rescheduled to Tuesday, August 8th, due to severe storms by Yvonne at 2 pm CDT. Important meeting. We will go over TBD Underwriting Pre-Approvals and Down Payment Assistance programs. TBD underwriting is when the borrower’s file is submitted without a property and is fully underwritten by a mortgage underwriter and a conditional loan approval is issued. It is like a loan commitment without the property. Once the borrower gets the property, the real estate purchase contract is submitted to the same underwriter. The property is then underwritten, the appraisal is ordered and reviewed, and the clear to close is issued. I used to do this all the time, and it is a game changer. Almost like a cash offer, and sellers love it. We have our preferred wholesale lending partner Christian Sorenson at EPM with a forgivable down payment assistance program, which is our best DPA loan program. Still, the maximum DTI is 48.99/48.99, and only borrower paid. Cameron LeClair from the Lender is our second preferred lender of choice, but the down payment is a non-forgivable, full 46.9%/56.9% DTI with approve/eligible but the borrower needs 680 FICO, which is weeding out a lot of people. On the other hand, Yvonne has a DPA non-forgivable program with a minimum 600 FICO, and a debt-to-income ratio can go up to 46.9%/56.9%. Lender paid compensation.

Hilarious funny video clip.

https://www.facebook.com/share/r/1RpSEfUmUPA311HE/?mibextid=D5vuiz

facebook.com

https://www.facebook.com/Sandratiendaderegalos?mibextid=ZbWKwL | Sandra K Valle Gonzales | Sandra K Valle Gonzales · Original audio

https://www.facebook.com/Sandratiendaderegalos?mibextid=ZbWKwL. Sandra K Valle Gonzales · Original audio

Inflation has been skyrocketing like never before in history. Home prices are at historic highs. Mortgage rates are almost at 8.0% with no signs of increasing. Rents are increasing every year but wages has not gone up. If anything, wages are decreasing and by no means keeping up with Inflation. What’s in the horizon? I feel bankruptcy rates will increase like never before.

Gustan Cho NMLS 873293 of Gustan Cho Associates is able to do 75% LTV HARD MONEY LOANS IN UTAH. Based on the information available up to my last update, several areas in Utah have been considered promising for real estate investment. Here’s an overview of some potentially attractive areas:

Salt Lake City:

• Strong job market and economic growth
• Growing tech sector (“Silicon Slopes”)
• Diverse neighborhoods with varying investment opportunities
• High demand for rentals, especially near universities

Provo-Orem:

• Home to Brigham Young University and Utah Valley University
• Strong rental market due to student population
• Growing tech industry presence

St. George:

• Rapidly growing population
• Popular retirement destination
• Booming tourism industry

Ogden:

• More affordable than Salt Lake City
• Growing job market
• Outdoor recreation attractions

Lehi:

• Part of the “Silicon Slopes” tech corridor
• Rapid job growth
• New construction and development opportunities

Park City:

• High-end real estate market
• Strong vacation rental potential
• World-class ski resorts nearby

Sandy:

• Family-friendly suburbs
• Good schools
• Proximity to outdoor recreation

Draper:

• Growing tech presence
• High-income area
• New development opportunities

South Jordan:

• Part of the fast-growing “Silicon Slopes”
• Family-oriented community
• New master-planned communities

West Valley City:

• It is more affordable than some other Salt Lake suburbs
• Diverse population
• Potential for property appreciation

When considering real estate investment in Utah, keep in mind:

• Job market and economic growth in the area
• Population growth trends
• Rental demand (especially in college towns)
• Tourism impact (for short-term rentals)
• New development and infrastructure projects
• Local zoning laws and regulations
• Property tax rates, which can vary by municipality

Always conduct thorough research and due diligence before making any investment decisions. Consult local real estate professionals, property managers, and financial advisors for the most up-to-date and area-specific information.

https://gustancho.com/getting-pre-approved-prior-to-moving-to-utah/

• This discussion was modified 10 months, 2 weeks ago by  Gustan Cho.

gustancho.com

Getting Pre-Approved Prior To Moving To Utah

People planning on moving to Utah, GCA is a no overlay lender and non-QM broker. Can help getting pre-approved prior to moving to Utah

A house in South Carolina follows a series of steps similar to buying real estate in many other states. Here’s a general outline of the process:

1. Assess Your Finances: Before you begin searching for a house, it’s essential to evaluate your financial situation. Review your credit score, calculate how much you can afford for a down payment and monthly mortgage payments, and consider additional costs like closing expenses, property taxes, and insurance.

2. Get Pre-approved for a Mortgage: This step involves approaching a mortgage lender to get pre-approved for a loan. Pre-approval will give you an idea of the loan amount you qualify for, which can help in your house search and make your offer more credible to sellers.

3. Find a Real Estate Agent: Engage a reputable real estate agent experienced in the South Carolina housing market. A skilled agent can assist you in finding properties that meet your criteria, negotiate with sellers, and guide you through the entire process.

4. House Hunting: Work with your real estate agent to search for homes that match your requirements and budget. Visit potential properties to assess their condition and consider location, neighborhood, schools, and amenities.

5. Make an Offer: Once you find a house you like, work with your real estate agent to draft a written offer to purchase the property. This offer will include the price you’re willing to pay, the proposed terms and conditions, and any contingencies you may have (e.g., home inspection, financing).

6. Negotiation and Acceptance: The seller may accept your offer outright, or they may negotiate the terms until both parties reach an agreement. Once you and the seller sign the purchase agreement, you’ll proceed with the home-buying process.

7. Home Inspection: After accepting your offer, conducting a home inspection is crucial. Hire a licensed home inspector to examine the property thoroughly for any issues or potential problems.

8. Appraisal and Financing: Your lender will likely require a home appraisal to ensure the property’s value matches the loan amount. Simultaneously, you’ll work with your lender to finalize your mortgage and complete all necessary paperwork for financing.

9. Title Search and Insurance: A title company will perform a title search to ensure no outstanding liens or claims on the property. Additionally, you’ll want to secure title insurance to protect yourself from any unforeseen title issues.

10. Closing: During the closing, you’ll sign all the necessary paperwork, including the mortgage documents and the deed. You’ll also pay the closing costs, typically including fees for various services, taxes, and insurance.

11. Possession: After the closing, you’ll receive the keys to your new home and officially become the owner.

It’s important to note that real estate processes can vary slightly depending on the specific area and local regulations. Working with a knowledgeable real estate agent and other professionals will ensure a smoother, more informed experience throughout the home-buying journey.

https://www.youtube.com/watch?v=4dMr8ki3sZE

Illinois residents have been moving to Indiana in increasing numbers in recent years, with an estimated 31,015 moving in 2022. Some reasons for this include low cost of living, affordable housing, low taxes, friendly people, welcoming new businesses with tax incentives, proximities to large cities, great schools, and great healthcare. Cost of living. Indiana is considered one of the most affordable states in the US, with U.S. News ranking it #2 in overall affordability and #3 in housing affordability. For example, moving from Indianapolis to Chicago could increase the cost of living by more than 20% . Job opportunities: Indiana’s manufacturing and agriculture industries offer many job opportunities. Schools: Indiana’s Four Star School program ranks schools for excellence and accountability. Proximity to cities: Indiana is close to major cities like Chicago and Louisville, which offer access to entertainment, culture, and more jobs. Popular cities throughout the state of indiana: Some Indiana cities that are popular with Illinois residents include Indianapolis and Fort Wayne. Indianapolis offers a low cost of living, walkable downtown, and attractions, while Fort Wayne has affordable cost of living, family-friendly neighborhoods, and good schools.

https://gustancho.com/home-loan-with-bad-credit-in-indiana/

• This discussion was modified 10 months, 2 weeks ago by  Connie. Reason: Spelling error

gustancho.com

Home Loan With Bad Credit In Indiana With No Overlays

Gustan Cho Associates is a mortgage company with no overlays specializing in Home Loan With Bad Credit In Indiana and dozens other states

I grew up in a concrete jungle, with buildings everywhere and playgrounds of cement. There are always rules regarding playgrounds: no jumping from slides or see-saws, etc. Beyond those rules, there are street, unspoken rules that must be followed. The inner city game is basketball. I’ve played on many teams and coached my son through elementary school and into high school. We had park rules and home court rules. I was never that good a basketball player; I had white man’s disease; and I can’t jump. On a good day, I could touch the rim. The first rule was that whoever was on the court first had to play in every game until they lost. I’d get there early to call “home court,” hoping the guys that should be up were good and I could continue my possession of the court. Even if you played in the South Bronx or Harlem, these rules were adhered to.

Greenwich Village has a main subway stop: West 4th Street. The cross street is 6th Avenue.

One block south is West 3rd Street, where there is a basketball court. Guys, professional players would travel downtown to play ball. I remember Dick Barnet of the Knicks, and Kareem Abdul Jabar was a local boy named Lew Alcindor. He went to Power Memorial Academy High School.

I tried my strategy early one Saturday morning on the West 3rd Street courts. Everything went fine the first few games; our team won the first two games, and that was it. When the big boys arrived, we were wiped off the court. To this day, the Saturday basketball games are a tourist attraction. They have also formed a league, “West 3rd Street Basketball League.” Teams have sponsors: Nike and Pepsi. I would have to wake up pretty early to play in that league.

https://www.youtube.com/watch?v=xwbZq5MlXMM

Moving to Indiana can be an exciting experience! Indiana is a state located in the Midwestern region of the United States and is known for its diverse landscapes, friendly communities, and rich history. Here are some things to consider and tips to help you with your move:

1. Research Different Areas: Indiana has various cities and towns, each with its own unique character and amenities. Consider factors such as cost of living, job opportunities, school districts (if applicable), and the overall lifestyle you’re seeking when choosing a place to settle.

2. Climate: Indiana experiences all four seasons, so be prepared for hot summers and cold winters. Make sure to pack accordingly with clothing suitable for different weather conditions.

3. Cost of Living: The cost of living in Indiana is generally lower than in many other states, making it an attractive option for those seeking affordability.

4. Job Market: If you’re moving for work, research the job market in your chosen area. Indiana has a diverse economy, with significant industries including manufacturing, agriculture, healthcare, and technology.

5. Transportation: Indiana has a well-developed network of highways and interstates, making it relatively easy to travel within the state and to neighboring states. If you’re moving from out of state, consider transportation logistics for your belongings.

6. Schools and Education: Indiana has both public and private schools, as well as several colleges and universities. If you have children, research the local schools and districts to find the best fit for their education.

7. Outdoor Activities: Indiana offers a range of outdoor recreational opportunities, from hiking in state parks to boating on its many lakes and rivers. Take advantage of these activities to explore the natural beauty of the state.

8. Local Culture: Embrace the local culture and traditions. Indiana has a strong sports culture, with basketball and auto racing being particularly popular.

9. Connect with Locals: Hoosiers (a term used to refer to Indiana residents) are known for their friendliness. Don’t hesitate to connect with locals, join community events, and get involved to build a strong social network.

10. Prepare for the Move: Plan and organize your move well in advance. Notify relevant parties about your change of address, hire a reliable moving company, and take care of any necessary paperwork or documentation.

Remember that every move comes with its challenges, but with proper preparation and a positive attitude, you can make the transition to Indiana a smooth and enjoyable one. Good luck with your move!

https://www.youtube.com/watch?v=6j5LqYBsBqQ

There is no doubt that Joe Biden is the worst President of the United States and one of the dumbest, if not the dumbest, human being ever to head the Oval Office. I can give you an overview of some of the economic policies and initiatives that were in place during the Biden administration up to my last update.

When Joe Biden took office as the 46th President of the United States in January 2021, he faced significant economic challenges, primarily due to the COVID-19 pandemic’s ongoing impact on the economy. His administration’s economic agenda aimed to address the public health crisis and support economic recovery.

Some key points of the Biden administration’s economic policies up to September 2021 included:

1. COVID-19 Response: Biden prioritized a comprehensive approach to combat the pandemic, including mass vaccination campaigns, expanded testing, and providing financial aid to individuals and businesses affected by the pandemic.

2. American Rescue Plan Act: In March 2021, the administration passed the American Rescue Plan Act, a $1.9 trillion economic relief package. This legislation included direct payments to individuals, extended unemployment benefits, aid to state and local governments, funds for COVID-19 vaccine distribution, and support for small businesses.

3. Infrastructure and Jobs Plan: Biden proposed an infrastructure plan that aimed to invest heavily in infrastructure projects, such as transportation, broadband, and clean energy. The proposed plan also sought to create jobs and boost economic growth.

4. Tax Policy: The Biden administration proposed raising taxes on corporations and high-income individuals to fund various social programs and infrastructure investments. The goal was to address income inequality and generate revenue to support government initiatives.

It’s essential to remember that the economy’s performance is influenced by various factors, including global economic conditions, geopolitical events, and other policy changes. Therefore, I recommend checking more recent sources to obtain an up-to-date and comprehensive assessment of the Biden economy as of August 2023.

https://www.trunews.com/stream/joe-biden-dreams-of-ice-cream-as-nashville-christian-school-children-are-dead

Buying a House in Alabama, how are the property tax and homeowners insurance

When buying a house in Alabama, you will benefit from relatively low property taxes and moderate homeowners insurance rates compared to many other states in the U.S.

Property Taxes:

Alabama has some of the lowest property tax rates in the country. The average effective property tax rate is approximately 0.33% of a home’s market value, placing it among the states with the lowest property tax rates. For example, if you own a home valued at $200,000, your annual property tax bill would be around $660. However, property tax rates can vary by county within Alabama, so it’s important to check the specific rates in the county where you plan to buy​ (Tax-Rates.org)​​ (Tax-Rates.org)​.

Homeowners Insurance:

Homeowners insurance in Alabama can vary widely depending on factors such as the location of the property, the age and condition of the home, and the level of coverage you choose. On average, homeowners insurance in Alabama tends to be higher than the national average due to the risk of natural disasters like hurricanes and tornadoes. The average annual premium for homeowners insurance in Alabama is around $1,300, but this can be higher for homes in coastal areas prone to hurricanes​ (Tax-Rates.org)​.

Overall, while property taxes are relatively low, it’s wise to budget for potentially higher homeowners insurance costs, especially if your property is located in an area susceptible to severe weather. For the most accurate and personalized information, consider contacting local tax authorities and insurance providers in Alabama.

tax-rates.org

Alabama Property Taxes By County - 2024

The Median Alabama property tax is $398.00, with exact property tax rates varying by location and county.

What is the reason Great Content Authority (GCA) FORUMS is experiencing explosive growth is blowing away all other online message boards including Quora and Reddit. What makes everyone on the internet want to go visit and become a member of GCA FORUMS. I HAVE fact-checked verified information about Great Content Authority (GCA) FORUMS experiencing explosive growth or outperforming other online platforms like Quora and Reddit. However, I don’t have access to real-time data or insider information about emerging platforms. With concrete data and reliable sources, I can confirm and explain the growth describing Great Content Authority FORUMS and SUBFORUMS. Online platform success of Great Content Authority FORUMS (GCA FORUMS) can be due to many factors, including:

1. Unique features or user experience
2. Effective marketing strategies
3. Timing and market conditions
4. High-quality content or discussions
5. Strong community engagement
6. Niche focus or specialized content
7. Viral growth through word-of-mouth

However, these are general factors and may not apply specifically to GCA FORUMS. There is solid reasons why GCA FORUMS is indeed experiencing rapid growth. That is because GCA FORUMS is powered by Gustan Cho Associates, a dba of NEXA Mortgage and the largest mortgage company in the United States. We have facted-checked and verified official statements from the platform, industry reports, or reliable tech news sources for accurate information about their performance and reasons for success. The key is GCA FORUMS, Great Content Authority FORUMS powered by Gustan Cho Associates, it gives GCA FORUMS creditbility and authority because Gustan Cho Associates is a licensed mortgage company with a national operations and is licensed in 48 states, including Washington, DC, Puerto Rico, and the United States Virgin Islands (MA and NY is pending). Gustan Cho Associates has other national online mortgage and real estate platforms and portals that are wholly owned subsidiaries of Gustan Cho Associates. We have more specific information about GCA FORUMS’ growth or comparative performance. If you have access to specific data or sources about their growth, I’d be happy to discuss those details. Please visit https://www.gustancho.com/

gustancho.com

GCA Mortgage | Mortgage Experts With No Overlays

Whether you’ve gone through bankruptcy, divorce or you are a first-time homebuyer, Gustan Cho Associates are experts in difficult loans

What do you think will happen if Kamala Harris picks Michelle Obama as her vice presidential runner mate? Old Joe will be 81 come November, do you really think he will run again. It ain’t gonna happen! Liberals control the west coast from San Diego to Seattle. Why place liberals in charge to continue control in these area plagued by homelessness and crime? They believe that housing is a “God given right and the government should furnish these homes. This is called “West Coast Liberaism.” California and Oregon lead the way with homelessness. Is their answer to supply homes to these people? Drug overdose is on the rise.

I love the west coast, I spent 24 years there, some areas are absolutely breathtaking. I watched as liberals gave everything away. When Arnie, the governator was in office, life was bearable. Gun violence is down due to stringent gun laws, the few people arrested for gun issues are moved through the courts and released through the liberal system. Oregon leads in mental health unawareness.

This is a possibility, I believe liberalism will hurt people more then help them. If the “West Coast Liberalism,” is allowed to spread, it will spread across the country like wild fire. Some states will never accept this form of government. Mostly Northen states and Southern states wont comply with the mandates, don’t mess with Texas! I read a story about a kindergarten school in Oregon installing condoms in both and boy’s and girl’s restrooms. Do we really want this?

Can anyone become a member of GCA FORUMS? Or do you need to get nominated or sponsored by an active member of Great Content Authority FORUMS.

Former Rio Arriba County Sheriff James Lujan, aged 60, was sentenced to three years in prison followed by one and a half years of probation after being convicted of two felony charges: aiding a felon and intimidating a witness. Lujan was found guilty of helping a former Española City Councilor evade police after a high-speed chase in 2017 and directing a deputy to conceal his actions. This conviction followed a retrial after an initial jury failed to reach a verdict. Lujan resigned from his position shortly after the conviction.

https://www.youtube.com/watch?v=ZP4gie6zVUA

“Extending professional courtesy” on a traffic stop typically refers to law enforcement officers giving leniency to other officers or individuals in related professions when stopped for traffic violations. This practice is somewhat controversial and varies widely depending on jurisdiction and individual officer discretion. Here are some key points regarding this practice:

What It Involves

Reasons for Extending Courtesy

• Professional Respect: Officers may feel a sense of camaraderie or mutual respect towards fellow officers.
• Understanding of Job Challenges: An appreciation of the stresses and risks associated with law enforcement might lead to more lenient treatment.
• Internal Policies: Some departments might have unwritten policies or cultural norms encouraging such leniency.

Ethical and Legal Considerations

• Fairness: Critics argue that this practice can undermine public trust in law enforcement by creating a perception of bias or unequal treatment under the law.
• Department Policies: Some departments explicitly prohibit extending professional courtesy to ensure all individuals are treated equally.
• Legal Implications: There can be legal risks if leniency leads to subsequent incidents or if it’s viewed as official misconduct.

Examples of Guidelines

Public Perception and Trust

• Transparency: To maintain public trust, many departments stress the importance of transparency and equal treatment in all enforcement actions.
• Accountability: Ensuring that all officers are held to the same standards as the public can help build community trust and accountability.

While extending professional courtesy is a practice rooted in respect among officers, it faces significant scrutiny due to concerns about fairness and public trust. Law enforcement agencies often strive to balance professional camaraderie with the need to uphold the law impartially. For more detailed information on this topic, you can refer to the guidelines and policies of specific police departments or legal analyses from reputable sources like legal journals and law enforcement ethics publications.

https://www.youtube.com/watch?v=QTcpAa1K4Ws

Funny pug or Frenchie

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Here is the link for XACTUS Credit Training. It used to be Credit Plus University Training but since XACTUS took it over, it is now called XACTUS CLASSES and WEBINARS

https://xactus.com/xactus-u-classes/

xactus.com

Xactus U - Classes

Our free online classes can be accessed by Xactus customers live each day or scheduled via appointment. We even offer customized training sessions by request.

James O’Keefe an undercover journalist and former President of Project Veritas went on a date with a gay senior White House Cyber Security Executive Advisor confirming Dementia Joe Biden does have Dementia and is Senile. Also mentioned is Kamala Harris is not liked and not respected by staff members and senior White House advisors

https://youtu.be/UfAvM7c4Jz0?si=IES5sHCVpkDPrg7O