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Here are one in a million incidents police officers run into during their careers.

https://youtu.be/XuUYqpyz-K0?si=Mh6bCyjbFzILVfnN

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

When Americans are struggling with surging inflation, skyrocketing home prices, false economic numbers, record high unemployment, historic high mortgage rates, and fake news with misleading and deceptive political hacks like Janet Yellen, the Biden Crime Family, the Feds printing money and dollar not backed by any hard assets, the stock market is surging at historic highs and CNN and the fake news media misleading and brainwashing American by announcing how great Bidenomics is and how our economy is great. CNN, the other liberal media media platforms are telling Americans to just look at the stockmarket and that the stockmarket says it all. I say it’s a crock of shit and it is manipulated. Look at prices on grocery stores. Inflation is like a runaway train with no sight of stabilization. Why the economy is I’m dire critical crisis mode, the clowns of America keep on printing money and misleading the American people by lying, causing panic, printing money, and cheating on elections. NDVA is a AI stock that doubled in prices based on future forecasted earnings and the stockmarket is hitting new historic highs every day @cpensacola @alex

https://video.foxbusiness.com/v/6347384777112

video.foxbusiness.com

Investors who thought the AI boom was slowing can ‘think again’: Kevin Mahn | Fox Business Video

Hennion & Walsh Asset Management President Kevin Mahn breaks down Nvidia's better-than-expected sales and earnings data and previews the retail earnings report.

Every sign out there signals the housing market is in big trouble. The liberal media and the Democrats are in a state of denial and according to FED Chairman Jerome Powell, Treasury Secretary Janet Yellen, President Joe Biden, VP Kamala Harris, the liberal media from CNN, CNBC, and every major news networks are saying everything is fine and that Bidenomic is the savior of the forecasted recession and the U.S. economy had a soft landing and we are now in great shape. Who are they kidding. You do not have to be a genius to see that inflation is far worse than the numbers claim. People are not making it with what they are making. Inflation did not stabilize. That is a total crock of bullshit. Look at the prices at the grocery store. Have you seen goods and services doubling and tripling in price in such a short period of time? Most American’s wages have not gotten wage increases to match the rate of inflation. The Federal Reserve Board is headed by a total incompetent leader and the board are a mere of incompetent joke. The dollar is literally worthless and the global economic leaders have lost any and all respect for U.S. currency and I do not blame them. Anyone with a single digit IQ will tell you they will be crazy to invest in the U.S. treasuries the way they are printing the dollar like there is no tomorrow. The dollar is not backed by any hard assets such as Gold or Silver. The inflation rate is far from being stabilized. A Big Mac Value meal at McDonalds is $20.00. California, under the leadership of Gavin Newson is losing residents by the tens of thousands daily and the state is in chaos. Democrat states like California, New York, Illinois are passing laws of making illegal aliens able to own guns and become police officers. Mortgage rates, which seemed like there was a light at the end of the tunnel a few weeks ago when it dropped to the low 6.00% jumped backed up to over 7% due to FAKE economic and unemployment numbers and made up economic data which hands down is a big fat LIE. Corruption is rampant and never in history has the liberal left been as out of control as they are now. The left have no shame. They get caught cheating, lying, stealing, and can lie straight to the American people with a straight face. Home prices have doubled in the past couple of years in many areas of the country and many homeowners have done a cash-out refinance to tap into their artificial equity. The housing market crash forecast is not an IF but a DEFINITE COMING SOON to a neighborhood near you. In the past it was difficult to predict the housing market with complete certainty, as it is influenced by various economic factors that can shift over time. However, based on current data and expert analysis, the potential housing market forecast for the U.S. housing market in 2024 is definitely a given doom and gloom. Moderating home price appreciation: The deniers of the true economy seem to think that after years of rapid home price growth, housing prices will continue to increase, and most forecasts suggest a deceleration in 2024, with prices expected to rise at a more moderate pace of around 2-4% nationwide. However, the realists believe home prices will tank a solid 40% or more and the Dow Jones Industrial Average will fall below 20,000. Stabilizing mortgage rates: If inflation continues to cool, mortgage rates are projected to stabilize in the range of 6-7% by 2024, down from the peaks seen in late 2022. Improving housing inventory: As higher mortgage rates continue to cool demand, the inventory of homes for sale is expected to gradually increase, providing more options for buyers and a potential drop in home prices. More bankruptcies and foreclosures is expected as wll as divorce rates is suppose to skyrocket. Shift towards a balanced market: The deniers and globalists seem to believe the housing market is anticipated to transition from a strong seller’s market to a more balanced state, with less competition and fewer bidding wars which is a crock of shit. Realists believe the real estate market will tank worse than the 2008 financial crisis, more foreclosures, and bankruptcies than ever recorded in history. Affordability challenges: Despite moderating prices, affordability will likely remain a major concern for many buyers due to higher mortgage rates and lingering inflation and homelessness is suppose to skyrocket like never before in the history of the United States. Rental market strength: The rental market is expected to remain strong in 2024 but many rentals is forecasted to increase where many people will not be able to afford rent. Many people who could have afforded homes are not priced out of the housing market and stuck with renting because it is driven by demographic shifts and affordability constraints for homeownership. Regional variations: Housing market conditions will continue to vary across different regions and metropolitan areas, with some markets cooling faster than others. Economic factors: The overall performance of the housing market will depend on factors such as job growth, consumer confidence, and the broader economic conditions in 2024. The media is not reporting the truth about millions of people getting laid off, large number of small businesses shutting their doors, and people losing faith in the American economy. It’s important to note that these forecasts are based on current data and assumptions, and unforeseen economic or geopolitical events could alter the trajectory of the housing market. Additionally, local market conditions may differ from national trends. Wake up, America. We need a total overhaul of corrupt politicians, and a full correction of the housing market and get rid of lifelong career politicians. Fake NEWS needs to be banned and censorship needs to get outlawed. Who in the Hell is Bill Gates, Barack Obama, Anthony Fauci, Nancy Pelosi, Joe Biden, and thousands of liberals and Globalists to demand human depopulation with the coronavirus vaccine, chem trails, killing babies for adrenochrome, and human trafficking where they get to live long and euthanize Americans older than 70 years old. Americans need to voice these concerns and take our country back and eliminate the satanist, evil, mortals who do not belong in this world and need to be terminated as well as their bloodlines. Here is an informative video from Peter Schiff who called the 2008 financial crisis and was spot on.

https://www.youtube.com/watch?v=tZ7MWGJKUro

Here is Chase learning how to sit and stay. I trained Chase how to sit without treats and took me no longer than thirty minutes. Same with stay. After two weeks, I trained Chase how to stay with out any treats and that took me no longer than 30 minutes. Next will be how to come when called. Going by my friend Mark Chen tomorrow at 1 pm to train Chase.

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• This discussion was modified 10 months, 1 week ago by  Gustan Cho. Reason: Forgot to check NOTIFY ME BOX

Recently, I have had quite a few borrowers that did not have active tradelines. Experian Boost is great for reporting alternative trade lines, but that is only one bureau. I have had good luck recently with Stellarfi.com.

stellarfi.com

Page not found - StellarFi

Page not found - StellarFi

Seems like everyone is an expert in the media where they say that mortgage rates are still low. Jim Kramer of CNN is the biggest liar and bullshitter who has great talent. Jim Krammer talent is lying with a straight face on national television on how great the economy is, how inflation is under control, and how mortgage rates are still low compared to 1980. All of these liberal clowns need to shut down their clownshow and get off the air. What are your thoughts of mortgage rates forecast in the coming months through 2025? What are your thoughts of inflation, the housing market, the stock market, the dollar, unemployment, and investment opportunities?

Can you please recommend how to qualify for a mobile home. I am working on my rebuilding my credit. Eric from FHA Bad Credit Lenders recommended Felix and I tried calling him today.

What are FHA spot loans for homebuyers buying a condominium with an FHA loan? How does FHA spot loans work?

Can a mortgage loan officer explain the difference between a warrantable and non-warrantable condominium unit? Also what is the difference between a condominium and a condotel or condo hotel? How can I get financing on non-warrantable, condotel, and warrantable condominium units?

Google’s March 2024 upgrade is revolutionary; numerous websites are affected by algorithmic modifications and removed from Google Search.

Following are the five things you should be aware

1. Google is completely deindexing websites

2. Penalties are immediate.

3. Even websites that have undergone past updates are not safe.

4. Older, error-filled websites are insecure.

5. Little websites with AI content were also impacted.

Check out the article below for details.

https://searchengineland.com/google-march-2024-core-update-things-you-need-to-know-438370

searchengineland.com

Google's March 2024 core update: 5 things you need to know

Google's March 2024 update is a game-changer, with many sites impacted by algorithmic changes and deindexed from Google Search.

Maintaining insurance coverage is crucial for safeguarding your assets and finances against unexpected events. However, a lapse in insurance can prove problematic when seeking a new carrier. It is imperative to understand the potential consequences that can arise from a lapse in coverage as they can impact your ability to secure insurance coverage.

A lapse in insurance arises when an individual fails to pay their insurance premiums on time, resulting in the expiration of their coverage. This can happen for various reasons, such as financial difficulties, forgetfulness, or being unaware of the renewal date. Regardless of the reason, a lapse in coverage can pose significant challenges when attempting to acquire a new policy.

Primarily, a lapse in insurance can make it difficult to find a new carrier. Insurance companies view lapses in coverage as a red flag, indicating that the client may be a high-risk candidate. The length of the lapse can determine the difficulty of finding a new carrier willing to provide coverage. Some insurance companies may refuse coverage altogether, while others may require a down payment upfront or charge higher premiums.

Additionally, a lapse in insurance can impact insurance rates. Insurance companies use various factors to determine insurance rates, including driving record, credit score, and claims history. A lapse in coverage can negatively affect these factors, resulting in higher insurance rates. In some instances, the insurance company may require higher rates for several years after the lapse.

Finally, a lapse in insurance can impact one’s ability to make claims. If an accident occurs during the lapse, the individual may not be covered by their insurance policy. Even if a new policy is secured after the lapse, the new carrier may refuse to cover damages incurred during the lapsed period.

In summary, a lapse in insurance can create significant difficulties when attempting to secure a new carrier. Timely payment of premiums and staying aware of renewal dates can help avoid a lapse in coverage. If a lapse does occur, it is crucial to work with an insurance agent to find a new carrier and understand the implications of the lapse on one’s coverage and rates. Being proactive about insurance coverage can ensure that one is protected in the face of unforeseen circumstances.

What are the difference between mortgage brokers vs mortgage bankers?

What does manual underwriting on FHA loans mean? What is the difference between manual underwriting versus automated underwriting system on FHA loans. When is manual underwriting required on FHA loans? What are the manual underwriting guidelines on FHA loans?

There’s a lot of talk about how 5G cause brain damage, change people’s personality, and even death. I have attached a shocking video about 5G that is alarming and needs to get addressed. Bill Gates is mentioned on the video and his mission to depopulate the World with euthanization through 5G. A must watch.

https://rumble.com/v4k06vz-lets-have-a-look-into-the-5g-grid.html

rumble.com

Lets have a look into the 5G grid

🧐LETS HAVE A DEEPER LOOK 🔍 INTO THE 5G KILL GRID AND HOW THEY CAN CAUSE MASS DEATHS WITH A PUSH OF A BUTTON🖲👀☠ #5G AFFECTS THE 🫁OXYGEN LEVELS WHICH IS CAUSING S.A.R.S.🥴 #COVIDis5G Protect yourself fro

Housing inventory levels in Florida have seen a significant increase recently after years of extremely tight supply. Here are some key points about the rising inventory situation in Florida’s housing market:

1. Sharp inventory rise: According to data from Florida Realtors, the inventory of active listings in Florida was up over 85% year-over-year in March 2023. This translates to around 4-5 months’ supply of homes for sale in many markets, compared to 1-2 months during the pandemic frenzy.
2. Seller influx: More homeowners in Florida are listing their properties for sale, driven by factors like the desire to cash in on high home prices, concerns about missing the peak of the market, or life changes necessitating a move.
3. New construction impact: An increase in new home construction over the past couple of years is also contributing to higher inventory levels across different price points.
4. Investor selling: Real estate investors who bought properties during the housing boom are now offloading some of their holdings in anticipation of a market cooldown.
5. Regional variations: While inventory is up statewide, the increase is more pronounced in some areas like Tampa, Orlando, and Miami, compared to others like Jacksonville.
6. Price adjustments: With more choices for buyers, properties that are overpriced or less desirable are sitting longer on the market, prompting some sellers to reduce asking prices.
7. Moderating sales: Higher mortgage rates and economic uncertainty have led to a moderation in home sales activity, further contributing to inventory buildup.

The surge in housing inventory in Florida provides more options for buyers who had been frustrated by the intense competition and lack of available homes during the pandemic boom years. However, it also signals a market shift that real estate investors and sellers need to navigate carefully.

As a multi-state MLO based in Utah, I am always looking for indicators in other states to predict what may be around the corner and what states I should focus my ad dollars in. Florida has been a great revenue generator for me over the past three years. I feel Florida will be a great place to stay focused in the next five years. That is why I hired my first MLO to the F1 Mortgage Team in Florida. FOMO (Fear of Losing Out) seems to be motivating out-of-state buyers to take a hard look at income properties in the state as well as people moving from other states to get in on the relative “good deals” in Florida as new residents of the Sunshine state. Employment opportunities in the state and work-from-home scenarios are making Florida very attractive to people who would never have looked at the state as a possible home 10 years ago.

If you are an MLO looking for new ground, I would suggest Florida. The state of Florida is massive and can benefit from quality MLOs looking to plant their MLO flag in the state. If you speak Spanish, the further South you prospect, the better.

How does adjustable rate mortgages work? What are the three numbers X/X/X on ARMs? Can someone help me with this question about adjustable rate mortgages?

Matt has obtained a 30-year 3/1 ARM mortgage loan for $150,000 on a beautiful four-bedroom two bath home in the suburbs. The start rate was 3%. The rate caps are 4/2/8. The margin is 3%. The index was 4% at the start of the loan, 4.25% at the end of year three, and 6.5% at the end of year four. Which of the following rates would reflect the interest rate that will begin in year number five?

If a website is a Google News publisher, it means that it meets the criteria set by Google to appear in Google News search results. Google News is a service that aggregates news articles from various sources and presents them to users based on their interests and preferences.

To become a Google News publisher, a website must adhere to certain quality guidelines established by Google. These guidelines typically include factors such as:

1. High-quality, original content: Google looks for websites that publish credible, informative, and original news content.

2. Authority and credibility: Websites should have a reputation for producing trustworthy and accurate news reporting.

3. Transparency: Publishers should provide clear information about their organization, editorial processes, and sources of information.

4. Site structure and technical requirements: Websites must have clear navigation, proper indexing, and adhere to technical standards for optimal performance on Google News.

5. Compliance with Google News policies: Publishers must follow Google’s policies regarding content, copyright, and other relevant guidelines.

Being a Google News publisher can significantly increase a website’s visibility and traffic, as it allows its content to appear in Google News search results and potentially reach a wider audience. However, meeting the requirements for inclusion in Google News requires a commitment to producing high-quality journalism and adhering to Google’s standards.

https://www.searchenginejournal.com/how-to-get-listed-in-google-news/379701/#:~:text=%E2%80%9CPublishers%20are%20automatically%20considered%20for,with%20Google%20News%20content%20policies.%E2%80%9D

Getting a loan officer website to generate organic leads takes a lot of dedication and time. However, we can help you get there on this forum eLearning section. Here are some effective strategies to help your website generate more organic traffic and leads:

1. Optimize for Search Engines (SEO):
2. Conduct keyword research to identify relevant keywords your target audience is searching for.
3. Incorporate those keywords strategically throughout your website content, titles, meta descriptions, and image alt text.
4. Ensure your website is mobile-friendly, loads quickly, and has a clean, user-friendly structure.
5. Build high-quality backlinks from reputable websites to improve your website’s authority and search rankings.
6. Publish High-Quality Content Regularly:
7. Create valuable, informative, and engaging content that addresses your target audience’s needs and interests.
8. Optimize your content for search engines by including relevant keywords and phrases.
9. Vary your content formats (blog posts, videos, infographics, guides, etc.) to appeal to different preferences.
10. Promote your content through social media, email marketing, and other channels to increase visibility and engagement.
11. Leverage Social Media:
12. Establish an active presence on relevant social media platforms where your target audience is active.
13. Share your website’s content and engage with your followers to build relationships and drive traffic to your site.
14. Consider running social media ads or sponsored posts to increase reach and visibility.
15. Implement Email Marketing:
16. Build an email list by offering lead magnets (e.g., ebooks, whitepapers, checklists) in exchange for email addresses.
17. Send regular newsletters, updates, and promotions to your email subscribers to nurture relationships and drive website traffic.
18. Segment your email list and personalize your messages for better engagement and conversions.
19. Optimize for Local SEO (if applicable):
20. Claim and optimize your Google Business Profile (formerly Google My Business) listing with accurate and consistent information.
21. Encourage customers to leave reviews, as positive reviews can improve your local search rankings.
22. Include your business’s name, address, and phone number (NAP) on your website and ensure consistency across all online listings.
23. Analyze and Improve User Experience (UX):
24. Ensure your website has a clean, intuitive design and navigation structure.
25. Optimize for user experience by addressing pain points, reducing friction, and providing a seamless user journey.
26. Use tools like heat maps, user recordings, and analytics to identify areas for improvement.
27. Leverage Partnerships and Collaborations:
28. Identify complementary businesses or influencers in your industry and explore partnership opportunities.
29. Guest post on others’ blogs, co-host webinars or events, or collaborate on content to tap into new audiences.
30. Continuously Monitor and Adjust:
31. Regularly analyze your website’s traffic, user behavior, and conversion data using tools like Google Analytics.
32. Identify what’s working well and what needs improvement, and adjust your strategies accordingly.
33. Stay up-to-date with the latest trends, algorithm updates, and best practices in SEO, content marketing, and digital marketing.

Remember, generating organic traffic and leads is a continuous process that requires patience, consistency, and a data-driven approach. By following these strategies and adapting to the ever-changing digital landscape, you can increase your website’s visibility, attract your target audience, and ultimately drive more leads and conversions.

Why is Illinois Senator Dick Durbin blocking Pedophile Jeff Epstein’s private airplane flight log from Tennessee Senator Marsha Blackburn Epstein flight log request. Is it because Bill Clinton, Bill Gates, Barack Obama, New Mexico Governor Bill Richardson, and dozens of Senator Dick Durbin’s fellow Democrats and political supporters? Why is FBI Director Christopher Wray dragging his feet releasing Jeffrey Epstein private plane’s flight log to Pedophile Island in the U.S. Virgin Islands to Senator Marsha Blackburn and Congress? What type of cover-up is going on here? Watch the video clip of Jesse Waters.

https://youtu.be/d1EOJ45mmok?si=caGshvGV9oD2qsRz

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

Local man saves Alligator handler from Alligator attack

https://www.facebook.com/share/v/m9M6bp3QW2jzGZR9/?mibextid=OTybqR

facebook.com

Man Saves Woman From Gator | Local Hero Saves Zoo Worker From A Gator | By Know Your MemeFacebook

Local Hero Saves Zoo Worker From A Gator

Many people wonder what are the benefits and negatives between a car purchase and car lease? Which benefits a automobile consumer?

How will having a car lease affect my debt-to-income ratio when getting approved for a mortgage loan?

If a mortgage broker is asking for a CPA letter on a non-QM loan for a self-employed borrower on a P and L non-QM loan, what does this mean? What if my accountant is not a Certified Public Accountant but is a professional tax preparer and does tax preparation for me individually and my businesses. Do you need need to be a CPA to do a CPA letter for a mortgage lender on a P and L non-QM loan for self-employed borrower?

Rich Little imitates Joe Biden as a senile old feeble man that he is hosted by former Governor Mike Huckabee.

https://youtu.be/ltX6TGLi_Vk?si=_EomgRKywaIfXHvs

Kamala Harris made history becoming not just the first woman Vice President of the United States but also the first black woman Vice President. Kamala Harris made the list of becoming the first woman to become the second most powerful person in the World. The first woman who slept her way to become District Attorney in California, the first woman to blow the married San Francisco Mayor to move up the ranks, tye first woman to be married to a Jew ✡️ to become Vice President, the first most disliked and hated woman to become VP, the first woman who inhaled pot to become the first woman Vice President, and the first woman with a single digit IQ to become the first woman Vice President of the United States

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

A huge happy Birthday to brother in law Big Dennis Drake 🙏 ❤️ 💙 🙌 💪 ♥️ 🙏

Dennis Drake is 65 years young today. 😳 Dennis, my man, enjoy your special day and take advantage of the precious minutes ❤️. Love you brother 🎂 🥮 🍥 🥞 🧁 🍰

Sylvester Stallone makes it official. Sylvester Stallone and his family are fleeing the state of California and will set their home in Florida. Never in history so many Californians are fleeing California than ever before. Skyrocketing crime rates, Clownshow politics, high taxes, ridiculous home prices, and hemorrhaging economy. California is losing so many residents they are losing congressional seats due to losing population. With an incompetent governor and unaffordable Housing, people are fleeing to Texas and Florida as well as dozens of other blue states.

https://youtu.be/Ilk8vBJXAQE?si=ir5Pg8md28ycCi7E

James O’Keefe undercover with double agent whistle blower who tells it all. As time passes, there’s more evidence Pfizer was in cohoots with Dr. Anthony Fauci, Bill Gates, the Rothschild Family, George Soros, Barack Obama, Bill and Hillary Clinton, Joe Biden, Kamala Harris, the liberals, and the Globalists in depopulate the world 🌎 with weapons weaponizing the coronavirus vaccine and using the COVID-19 Vaccine as a weapon of mass destruction. There is more and more evidence the coronavirus is man made headed by the evil 😈 Dr. Anthony Fauci with support of Bil Gates and the Globalists. Slowly but surely more people are coming out as whistle blowers and is revealing how the coronavirus vaccine is contributing to thousands of deaths among healthy young children and young adults who have taken the coronavirus vaccine and the boosters. Joe Biden Administration and the Democrats are still strongly pushing and encouraging people to still take the coronavirus vaccine and the boosters.

https://youtu.be/RHbW–6oUQM?si=8nszNmk2ntKsNzEF

Like to introduce and welcome Mr Kingsley Ifezue, President and CEO of I-Tech Realty, Michigan’s premier real estate broker. Kingsley Ifezue has a national reputation for always going above and beyond for his homebuyers and sellers. Kingsley Ifezue has a team of experienced hard working real estate agents who are experts in single family homes, two to family multiple unit homes, investment properties, commercial properties. Kingsley Ifezue is also a top producing loan officer and a national sales manager for GCA Mortgage Group dba of NEXA Mortgage. Kingsley Ifezue is my top Associate in working 48 states including Washington DC, Puerto Rico, and Virgin Islands.