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I love steak on the grill, New York Strips, Rib-Eye, all of them and cooked medium rare. Or favorite steak house is Bern’s in Tampa, not only are the steaks cooked to perfection they have a desert room with old Madeiras, Cognacs and Ports that’s where I get into trouble.

• This discussion was modified 11 months ago by  Peter.

I went to the toy store the other day to get me granddaughters a doll. They had a Muslim woman talking doll! She didn’t say much so I stared at her for awhile and I was scared shit to pull the string!

I hear the government is installing chips in everyone, that’s cool as long as mine are Doritos.

I am a 1970 Cherry Red Chevy Camaro Convertible that has been stored in the back of a garage from the day I was purchased new. I cost $3,000 back in the day, the dream car of most red-blooded American boys. The young man who purchased me died in Vietnam later that year. The sadness I felt when I heard the news was overwhelming. He took me out only once, with his girlfriend, for a drive with my top down and four on the floor. We were the envy of everyone. It was a wonderful ride with James and Cathy; I can still hear their laughter. James had a hardy laugh. He thought about returning to his girlfriend and me with hopes of starting a new future. Unfortunately, life doesn’t always turn out the way we plan. I wonder what happened to Cathy?

His parents never got over their loss, and I was a painful reminder of their loving son. So, here I sat for 50 years. The parents thought many times of selling me. However, I was the last thing their son bought before being deployed. Both parents have passed, and my future is questionable. There are no grandchildren to pass the car on to, so I am being sold at an auction. I hear I’m worth a pretty penny.

James, my original owner, has a brother, Tom, who will handle the auction and the proceeds. He has mixed feelings about selling me. He’d rather keep me, but the old house and garage are being sold, and I have nowhere to go. The burlap tarp that covers me in the garage has kept me rust-free. I long to be started and hear the roar of my 350 cubic inches V8 engine with 375 horsepower. I need to blow out my carburetor and breathe life into me once again. I can go from zero to sixty in seven seconds and hit a quarter-mile in fifteen seconds at ninety-four miles per hour; not too shabby!

It will be a closed auction with bids submitted quietly. The highest bid will not necessarily win me. Tom is requesting a letter to accompany the silent bid. Tom wants me to go to a nice, caring family that will keep his brother’s memory alive. He doesn’t want me to be sold to a spoiled kid who will race me and never maintain me. I do not want to be pimped out with spoilers or painted racing stripes. I am a classic and should remain so!

Tom has received dozens of letters with bids; it will take some time to read and figure out who is who. One bid was $80,000! Can you believe that? However, the letter didn’t sit well with Tom; they wanted me for Hollywood. I’m from South Carolina; why would I want to go to Hollywood? They want to paint and repaint me according to the needs of the movie and race me in car chases. Tom declined the offer. Another bid was almost as high as $75,000, but the letter was from a rich guy who wanted to give me to his son for graduating high school. I don’t want any privileged kid owning me. High school kid, racing me with his pals, I don’t think so.

After reading a dozen or more letters, Tom was getting frustrated with the responses. One letter was totally absurd. They offered $3000, my purchase price. Are you serious! I’m worth 20 times that. Tom didn’t even read the letter; he just discarded it with the rest of the letters he felt didn’t meet the bill. Foolish man; he was 50 years old, not too well off with money, and wanted me, really? What use would he have for me, just showing off as he went through his mid-life crisis?

Another letter was a sob story of how a guy had the same car back in the day and felt he needed this car because it was owed to him. Tom had it with all these phony letters. He placed them all in a box and put them on my front seat. Where was I going? What was my future?

One letter fell from the box, it was the offer for $3000, which Tom never read. I noticed an old black and white photo of a young girl and baby boy. The boy’s name was James. Tom didn’t make the connection, well, not yet, anyway.

The silent auction went according to schedule, all the letters were read, and Tom was just about to make his decision when he noticed an older woman in the back of the room. She was accompanied by a man. I’d say the man was about 50 years old. Tom peered into the eyes of both of them and began to cry. The auction was momentarily stopped so Tom could compose himself. Tom raced back to me and opened the box of rejected letters. He rifled through the letters, and the black and white photo fell out. He stared hard and deep at the picture, the boy resembled his brother James, and the young girl was Cathy! His mind raced with thoughts of 50 years ago. Could this possibly be Cathy and his nephew!

The auction resumed, and Tom made his decision on who would take me home. He read the letter that he once quickly discarded:

Tom,

You may not remember me, I was James’ girlfriend Cathy back in 1970, and this is his son, James. My love for your brother never ceased. I kept my secret long enough. I didn’t want to burden your family. They were grieving too much. We were in love. The only time James and I road in the car was that one time. We vowed our love that day. I was three months pregnant when I heard he was killed in Vietnam. I was so lost that I even thought about an abortion. I needed a memory of my true love and kept his son. There is nothing left for my son to remember his dad. I’m an old lady now and raised James Jr. by myself. I’m not looking for money, just a memory.

Thank you,

Cathy

Tom began to cry. He was in total shock. He ended the auction by stating: We found the buyer! Everyone left after hearing who won. A frail woman was led by a middle-aged man to the podium from the back of the auditorium. Tom hugged and kissed Cathy as well as his nephew.

He gladly handed the keys over to her and refused the money for me. “This is the home for James’ Camaro.” As they opened my doors to enter and started to drive away, I felt I was born again; I could feel this spirit of James. I could almost hear his hardy laugh. He was alive within all of us.

John Steinbeck was perhaps the finest American writer, he wrote about the struggles during the Great Depression. He was able to write humor, “Travels with Charlie.” Who do you enjoy reading?

Want to congratulate Stephen LaFlamme on his new addition to his family, Pepper. Beautiful pup and well deserved. No doubt Pepper will have a lifelong safe and great home. Here’s a note from Steve LaFlamme:

I just got Pepper, standard size merl colored labradoodle. I couldn’t pass on this one.

Chase and his canine brothers and sisters are enjoying the afternoon out on the deck.

😎

The Grapevine…

I have always liked reading weekly or daily columns by Earl Wilson, Herb Caen, Jimmy Breslin, etc. This will be the first of a weekly column, mostly about real estate-type businesses. Here are my two cents.

I heard that buying or selling a house right now is as difficult as putting a square peg in a round hole. All y’all know better than me. My wife and I have been working with a realtor in Tampa, Donna Davidson. Bless her Irish soul! She is great to work with. My wife and I found a house in Ocala, Florida, and called Donna with two other listings, all within ten minutes of each other. Donna was, at the time, visiting her sister on the opposite coast and said maybe if she called ahead to the listing realtor, that’s exactly what she did, and she spoke to Ortiz, who was handling one of the listings. Donna asked if he could possibly show the two others; his response was yes. ”We realtors have to stick together.” He was more than happy to do so and contacted my wife. They spoke briefly on the phone as I chimed in that I would give him $50 cash for his trouble. He agreed at 10 a.m. Friday morning, just before 10:30, the time we were leaving, to make the hour and a half drive to Ocala for a noon appointment. At ten minutes to twelve, he calls my wife—mind you, we are ten minutes away—and changes his mind. He now says he wants Donna’s 3% commission on the two other listings, and, get this, he wanted 6% on the house he was showing! He wanted me to screw my realtor broker and collect fifty bucks. Being the New York City boy as I am, I said, Well, you really don’t want to know, and I cursed at him like I was a drunken sailor who hasn’t been on shore leave for two years. We immediately made a u-turn and headed back to Tampa. I turned to my wife and said in my best mafia voice, “Now he’s got nothing.” I’m supposed to be buying from this guy and trusting him, and he’s screwing me even before we meet. I will only give you one chance to be trusted; if you fail, there is no second chance. He had a one-in-three chance of us buying his listing, plus he would have a crisp Grant in his pocket. Now he’s got nothing. Is this common? Also, while I’m at it, who determines the percentage rate for the realtor? Some realtors state 1.75% or 2%. What’s that all about?

Let’s get back to realtors: who do they work for? I am always confused about the buyer or the seller; they can’t sell a house without the owner, right? That’s where the cash is being generated. So they work for you, the owner. However, they play footies with the buyer, saying, “Don’t worry, we can get them down in price.” When my wife and I sold her previous house, we used. Nice people, so I thought they just wanted the listing. When we had a prospected buyer, I knew right away by the sidebar conversations that something was brewing and it was rotten. They asked me if they could have someone inspect the roof, and I agreed. The buyer brings one of his drinking buddies, wearing sneakers and a roofer. They ascended the ladder; they had no tools, had a little pow wow, and left without saying a word. People must think I’m a complete idiot; I am street smart! I have an IQ of 185 on the street! I look and sound like I came out of central casting for a mob movie. You are not pulling any wool over my eyes. Within minutes, our realtor, remembering the person working for me, calls and says in an excited voice, ”You need a new roof; the next strong wind will rip it right off!” I’m smiling and saying to myself, Are they for real? I responded to her, sort of like the drunken sailor, and told her to pick up her sign,For Sale,” which would be in the street. I pulled that sucker out of the ground as if it were a strong man’s cement or wood post and tossed them far in the street. They never came back for the sign, so I kept the 4×4 post and trashed the sign. So I ask again: who does your realtor really work for?

You heard it through the grapevine.

The Power of the Holy Spirit🙏

https://livingproof.co/what-is-the-holy-spirits-role/#:~:text=The%20Holy%20Spirit%27s%20role%20is,life%20and%20makes%20us%20new.

• This discussion was modified 11 months ago by  Gustan Cho.

livingproof.co

What Is the Holy Spirit’s Role in a Believer’s Life?

The Holy Spirit convicts believers of sin, fills us with God’s strength and wisdom, and produces fruit that draws people to Jesus. When we place our faith in Jesus, the Holy Spirit dwells inside us. This permanent indwelling means we … Continue reading

Kevin Hart is one of the funniest comedians today

https://www.facebook.com/share/r/ZdLBaPY5JiYuChFS/?mibextid=D5vuiz

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Poor Kevin... #kevinhart #dwaynejohnson #jimmyfallon #viral #fyp | | live_n_moments · Original audio

Poor Kevin... #kevinhart #dwaynejohnson #jimmyfallon #viral #fyp. live_n_moments · Original audio

Keep all your pennies folks. Copper prices is skyrocketing as is prices for Gold and Silver. Copper is going to be the next winner. I will be covering more on investing in precious metals in the coming days, weeks, and months. Silver price is at $31.77 per ounce and is forecasted to skyrocket in the coming weeks. A pound of Copper is $23.00 per pound. Here is a calculator for Copper. 16 ounces of Copper is one pound.

http://coinapps.com/copper/gram/calculator/

coinapps.com

Copper Gram Price Calculator

Calculate the price of copper measured in grams or kilograms; denominated in U.S. Dollars, Canadian Dollars, Euros, Pounds or in one of several other currencies.

I am thinking about starting a career in commercial lending? How do I go about starting my foot in the door as a commercial loan officer.

I heard the great news from Gustan that Viral Website Developers will be launching a CRM for real estate agents and loan officers in one platform.. That is great news for realtors who are loan officers because we do not have to go back and forth between two CRM systems. Gloria and I are looking forward to seeing the newly designed one stop shop online loan officer and real estate CRM designed from Viral Website Developers.

You do not need perfect credit or high credit scores to qualify for a mortgage loan. Every loan program require a minimum credit score. Besides HUD, VA, USDA, FANNIE MAE, FREDDIE MAC, or non-QM portfolio lenders requiring a minimum credit score, each lender can impose lender overlays on credit scores. Lender overlays are additional credit score requirements above and beyond the minimum agency mortgage guidelines imposed by each individual mortgage lender. Regardless of the minimum credit scores required, all lenders will normally want to see timely payment history in the past 12 months. Regardless of the prior bad credit you have, having timely payment on all of your monthly debt payments that report on the three credit reports is crucial. Do not worry about prior collections, charge-off accounts, late payments, or other derogatory credit tradelines unless you are going though a manual underwrite on FHA loans. HUD manual underwriting guidelines require timely payments in the past 24 months. VA manual underwriting guidelines require timely payments in the past 12 months. In many instances when you get an approve/eligible per automated underwriting system but late payments in the past 24 months, the lender may down grade your file to a manual underwrite. The best solution for you to increase your credit scores and strenghen your credit profile with recent late payments is adding positive credit with new credit. Please read this guide on how to boost your credit to get approved for a mortgage: Capital One Secured Credit Card will get you a $250 secured credit card with a $50 deposit. Self.Inc is a bank that has a phenomenal credit rebuilder program where you can make a monthly deposit as small as $25.00 per month. That monthly deposit goes towards a savings account but it reports as an installment loan to all three credit bureaus. Get a Discover secured card. Secured credit cards are the same as unsecured traditional credit card. The only difference is you need to put a deposit. The amount of deposit is the amount of credit you get by the credit card company. You need to make timely minimum monthly payments on your secured credit cards. Just start with these three creditors and you will see wonders in the weeks and months ahead. I will cover some quick fixes for you to increase your credit scores fast and at the end of this topic thread, I will list helpful resources on boosting your credit to qualify for a mortgage, how to reach a human at the credit bureaus, and how to rebuild your credit:

1. Capital One Secured Credit Card

2. Self.Inc

3. Discover Secured Credit Card

As time pass and you make timely payments, your secured credit card company will increase your credit limit without asking your to put additional deposit. If you can get more secured credit cards, it will expedite your credit rebuilding process. However, you should at least start with the above three creditors.

Improving your credit scores and rebuilding credit can be crucial when seeking mortgage approval. Here are some effective strategies to consider:

Review your credit reports: Obtain copies of your credit reports from the three major credit bureaus (Experian, Equifax, and TransUnion. Identify and dispute any errors or inaccuracies that may be negatively impacting your credit scores.

Pay bills on time: Payment history is the most significant factor affecting your credit scores. Make sure to pay all your bills (credit cards, loans, utilities, etc.) on time, every time. Set up automatic payments or payment reminders if necessary.

Reduce credit card balances: High credit card balances can hurt your credit utilization ratio, which accounts for a significant portion of your credit scores.

Aim to keep your credit card balances below 30% of your total available credit limit. Consider paying off credit cards with the highest balances first.

Don’t close unused credit cards: Closing credit cards can inadvertently increase your credit utilization ratio and decrease your overall available credit. Keep unused credit cards open, but avoid using them to maintain a low credit utilization ratio.

Increase credit limit: Request a credit limit increase from your credit card issuers, which can improve your credit utilization ratio. Be sure to handle the increased credit limit responsibly and avoid overspending.

Limit new credit applications: Each credit application results in a hard inquiry on your credit report, which can temporarily lower your credit scores. Limit credit applications only to when absolutely necessary.

Use different types of credit: Having a mix of different types of credit (e.g., credit cards, auto loans, personal loans) can positively impact your credit scores. Consider taking out a small loan or opening a new credit card account if you have limited credit types.

Monitor your credit regularly: Check your credit reports and scores periodically to ensure accuracy and track your progress. Consider signing up for a credit monitoring service to receive alerts for any changes to your credit profile.

Be patient and consistent: Rebuilding credit takes time and consistent effort. Stick to responsible credit habits, and your credit scores should gradually improve, increasing your chances of mortgage approval.

Remember, lenders evaluate various factors beyond just credit scores when considering mortgage applications. However, improving your credit scores and maintaining a healthy credit profile can significantly increase your chances of getting approved for a mortgage with favorable terms.

https://gustancho.com/boost-your-credit-with-new-credit/

gustancho.com

Boost Your Credit With New Credit To Qualify For A Mortgage

Boost your credit with new credit to qualify for a mortgage . New secured credit cards and credit builder loans increases credit scores for mortgage

I am a first-time precious metal investor. How do you go about investing in Gold and Silver? Do I need to watch out for scammers? Where do I buy gold or silver? What is the minimum I can invest in Gold and Silver?

To make a team for your business page, first thing is you can add team member if that person follow your business page.

After that go to your business page then click on Followers. Then you can see an option same as in attachment picture.

Select the person which you want to add in your team and also select role for that person like moderator, administrator and member.

If you assign anyone as administrator for your business page then that person can edit whole business page.

assign-team-memberbusiness.png 21 KB Image File - Click to view

Options

• Copy Download Link

Do you enjoy wine? Of course you do! Do you know why? Do you pay attention to wine speak? So many frauds out there that think they know wine. The aroma reminds of wet dog, with a lingering mouth feel that’s tastes like… you can fill in the rest. Many people talk dry, but drink sweet. Yes, most wine drinkers enjoy reds, I enjoy all of them they all have a place at the table. From a Romanee Conte to a white Zinfandel. And screw the theory of white wine only with fish. If I’m grilling salmon it’s a Pinot noir all the way. Okay, enough for know if you want to learn more let’s chat. By the way I’ve been drinking wine since I was seven. I’m Italian after all. I studied viticulture, grew grapes, made wine, won medals. Taught home wine making I am a sommelier or a better description, A Wine Guy, a moniker I have had for years. For more information about me let’s talk.

Los Tres Lagos Mexican Restaurant in Paddock Lake Wisconsin provides the best authentic Mexican cuisine in Paddock Lake, Kenosha County, Wisconsin Real homemade Mexican food. Dine in or carry out. Phone number 262-586-5026. Open 7 days a week 10 am until 9 pm. Lunch and dinner. 24231 75th Street, Paddock Lake, Wisconsin 53168. Main Restaurant in Sturtevant, Wisconsin. 8609 Durand Avenue, Sturtevant, Wisconsin 53177. 262-886-8686

Can I use AI to write unique SEO driven blogs for my mortgage website to get rank in the search engines?

https://bard.google.com/

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https://rytr.me/
https://www.copy.ai/tools
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https://www.semrush.com/goodcontent/ai-text-generator/
https://tools.picsart.com/text/ai-writer/article-writer/

http://www.gcaforums.com

• This discussion was modified 11 months, 1 week ago by  Gustan Cho.

Pilot of Lufthansa 747 Jumbo Aircraft has an engine failure and makes an emergency landing. Captain of the 747 Lufthansa Jumbo Jet communicates with air traffic control that the jet has an engine failure but it’s not an emergency. Air traffic control says emergency crew is on stand by. Pilot tells air traffic control emergency crew not needed when he is about to make emergency landing on the runway of airport.

https://youtube.com/shorts/HdlBfLpQ0Zs?si=QGcFiFnE3MDGPycL

Google plans to release the update and a few new tools to assist you in the middle of June. You can potentially lose traffic if something is wrong. I will post in detailed, “what is page experience?” soon.

Stay tuned for more information…….

@Steve , here’s the website that I told you about. @Regisregal Cynthia Kelly is a top German Shepherd breeder but she’s in Illinois

https://www.hoobly.com/s/us?q=German+Shepherd+

Nothing good comes out of drinking

https://youtu.be/4UNLr5MmGr8?si=3qDmnfTevbSd9C-t

Go to a specific business page like https://gcaforums.com/business/gca-mortgage-group/ and then click on Inbox and send the message.

If you are not able to send the message there that’s mean admin of that business does want to receive message through inbox. So you can only send message if admin of business set setting on from setting -> Add Action Button .

Chapter 13 Bankruptcy is normally a five year payment plan by the U.S. Bankruptcy Court. Five years is a long time. During the five year repayment plan of a Chapter 13 Bankruptcy, how can you buy a house? Are there mortgage lenders that will lend on homebuyers who are in an active Chapter 13 Bankruptcy repayment plan? How does Chapter 13 affect getting a mortgage? How long do I have to wait to purchase a house after Chapter 13? Can you get an FHA loan while in Chapter 13?

Mortgage rates today have been steadily declining. What are Mortgage Rates today?

We are protecting our clients’ financial interests to ensure a prosperous future!

FIRST TIME INVESTORS

I have seen this where a current homeowner changes their first purchase into a rental property. There may not be many changes on the mortgage end of things. Still, there are quite a few differences in insurability!

It’s crucial to understand that a typical homeowner policy on a NEW AIRBNB listing will not provide sufficient coverage when you need it most. I’m referring to an Airbnb and a long-term lease, but there are two scenarios where you could be held liable as the property owner. When you have a landlord policy on a rental, they are insuring YOU, the one with the financial interest in the property. YOU are the one with pride of ownership, and you will not want to sue yourself or do any damage. However, the real risk lies in situations involving other individuals, such as renters, their guests, and anyone else involved.

It sounds like a more expensive policy, but it is most often in the price range! Well, most landlord policies, also known as dwelling policies, protect you as the property’s landlord, whether that is tenet damage, loss of rent, or even a lawsuit. So, it is critical to know the difference between the policy types when your buyers are keeping a current home to buy a new one! It could be a secondary home in FL, it could be a property for a family member, or it could be the 10th rental property.

A good agent will take the time to understand the client and their needs and wants, but something is black and white, and I wouldn’t want their purchasing power to decrease by a lousy agent.

Are there any two-to-four unit multifamily non-qm loans with 10% down payment? Bank Statement Loans, DSCR loans, asset-delpetion, or any other alternative lending programs?

Diners beware selecting a Pizza Shop

https://www.facebook.com/LADbible/videos/3478456262468538/?mibextid=P8HzSU

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Pizza shop problems | This pizza shop has some real problems with some customer orders... 😂🍕 | By LADbible | Facebook

This pizza shop has some real problems with some customer orders... 😂🍕

Good day folks. Spoke with a loan officer of GCA Mortgage Group over the phone and he suggested I ask this question on GCA FORUMS and address @Ali of Aldiva Credit Repair. Is Credit repair legal in Georgia?