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With technology advancing at lighting speed, many old generation Americans are still catching up on electric cars and hybrid vehicles. Many Americans still are not familiar with electric and hybrid vehicles. A hybrid vehicle is a type of vehicle that utilizes a combination of two or more distinct power sources to propel the vehicle. The most common type of hybrid vehicle is the hybrid electric vehicle (HEV), which combines an internal combustion engine (usually fueled by gasoline) with an electric propulsion system. There are two main types of hybrid electric vehicles:

Parallel Hybrid: In a parallel hybrid, both the internal combustion engine and the electric motor are connected to the transmission and can drive the vehicle simultaneously. The vehicle can operate on either the gasoline engine, the electric motor, or a combination of both, depending on driving conditions and power requirements.

Series Hybrid: In a series hybrid, only the electric motor drives the wheels, while the internal combustion engine acts as a generator to recharge the electric battery or provide additional power when needed. The gasoline engine does not directly drive the wheels but works to generate electricity to power the electric motor.

The goal of hybrid vehicles is to achieve improved fuel efficiency and reduced emissions compared to traditional vehicles that rely solely on internal combustion engines. The electric motor in a hybrid vehicle assists the gasoline engine during acceleration and other high-power demand situations, and it can also operate the vehicle at low speeds or when cruising, relying solely on electric power.

Hybrid technology has evolved over the years, and there are different variations of hybrid systems, including plug-in hybrid electric vehicles (PHEVs), which can be charged externally and have a larger electric-only driving range compared to traditional hybrids.

The benefits of hybrid vehicles include lower fuel consumption, reduced emissions, and increased energy efficiency, making them a popular choice for environmentally conscious consumers.

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

Hilarious comedy from Comedian Robin Williams on Donald Trump

https://youtu.be/rTCUl5SKyf8?si=1b2NwAKCe3GHwFMV

Inquiry removal is NOT as easy as it was in the past. Most of the time, the credit bureaus are requiring a police report to prove identity theft. I have attached a letter below that sometimes works to remove some inquries. Remember, inquiries stay on the credit report for 24 months, but only lower the score for 12 months. Also, there is no score impact when the number of inquiries is under 5 for a particular bureau.

[Your Name]

[Your Address]

[City, State ZIP Code]

[Date]

[Credit Bureau Name]

[Credit Bureau Address]

[City, State ZIP Code]

Re: Round 1 Inquiry Removal

To Whom It May Concern,

I am writing to request the removal of a recent inquiry from my credit report. The inquiry was made by [Name of the company] on [Date of inquiry] and it was for [Purpose of inquiry].

I would like to clarify that I did not authorize this inquiry, nor did I have any knowledge of it prior to reviewing my credit report. As such, I request that this inquiry be removed from my credit report as soon as possible.

I have enclosed a copy of my credit report with the inquiry highlighted for your reference. I kindly request that you investigate this matter and take the necessary steps to ensure that the inquiry is removed from my credit report.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information.

Sincerely,

[Your Name]

Many borrowers think that your are set home free after a conditional mortgage loan approval. This is normally the case but not always so. I have seen many mortgage loan denials after a conditional loan approval. What a conditional loan approval means is when the mortgage underwriter feels the borrower qualifies for a mortgage loan but need to comply with the list of conditions the mortgage underwriter states. Once a mortgage processor submits all conditions, the underwriter can come back with additional conditions on the of the conditions of the first conditional loan approval. This is the stage of the mortgage process where a mortgage underwriter can drive everyone crazy including the loan officer. I have seen mortgage underwriters condition the dumbest things over and over again. It may be that the underwriter had a bad day. Here is a blog that was updated about the mortgage process after the conditional loan approval:

https://gustancho.com/mortgage-process-after-the-conditional-approval/

gustancho.com

Mortgage Process After The Conditional Approval

The mortgage process after the conditional approval is clearing conditions for the CTC, which means the lender is ready to fund the loan.

Here is a 30 minute video explaining how to beat your competitors Search Engine Optimization organic traffic

https://youtu.be/q_wNn1Cvhag?si=F6UkeUN9OI1z-CH8

I really like the idea of a one stop shop training and organic lead generation website through Viral Website Developers. When will it be available and for who is this platform available? Can anyone enroll for the software? Someone told me that it was only available for loan officers who are at Gustan Cho Associates branch. How much will it cost and is there a contract?

Unbelieveable the number of politicians and famous people on the pedophile list of Jeffrey Epstein. What is going on with this world. Is our society full of evil? Is Satan the new normal? Are there any more morals in today’s society anymore? Are politicians all corrupt? Are the good guys too shy to speak up? If Gillaine Maxwell is in jail why aren’t other pedophiles in jail or at the very least charged? Is cheating at the voter polls, coming out with fake economic numbers, fake news, and hiding the truth the new normal? Are we going to keep printing money and dilute our dollar where we make a laughing stock of our dollar? Nobody wants to buy our treasuries and bonds. Other nations consider our treasury junk and a joke where it has no more values. The good guys need to speak out and form a coalition and fight for truth, justice, and the survival of our great country. Take over evil and get rid of satan. liars, cheaters, and fake news. Get real news back. Get Americans to trust our country and people. Get the world to trust us again and get our great country back.

https://www.youtube.com/watch?v=Eree461w6IE&list=RDNSEree461w6IE&start_radio=1

For website, most important is server with cpanel with datbase and file manager, ssl.

After that in which plateform or programming language you want to run website like Html , CMS, .net etc

Layout or design of your website and content for your website.

What is domain authority, domain ranking, and spam score? What do you need to look out for when you are starting a brand new website? I heard that you need to check the URL, its history, domain authority and ranking, and the URLs spam score. Can you please explain?

Here are political humor that is true and fact checked many of you will find humorous

What is STAGFLATION?

This subforum will feature Tatiana Bougdaeva, a mortgage loan originator licensed in multiple states and banking professional with over thirty years of experience. Besides being an expert in the lending and real estate profession.

Tatiana Bougdaeva @Tatiana My good friend and business associate Tatiana Bougdaeva is a the owner, founder of Kalm Strategy. Tatiana Bougdaeva is a life coach and will explain what she does helping fight the aging process, and bringing yourself to peaceful and healthy life style.

Organic Anti-Aging Coaching Program

Check out her website at http://www.kalmstrategy.com

• This discussion was modified 1 year, 1 month ago by  Gustan Cho.
• This discussion was modified 1 year, 1 month ago by  Gustan Cho.

kalmstrategy.com

Kalm Strategy | Stress management, bring peace, health and wellness, Yoga, Reiki and Shamanic healing

Kalm Strategy | Stress management, bring peace, health and wellness, Yoga, Reiki and Shamanic healing

Former President Donald Trump indicted for four felony counts. Two indictments are two state charges and two indictments are federal charges. President Trump’s indictments court trial started last week. President Trump is the first former President of the United States to be charged after leaving office. We will cover the charges on the indictments on the following sub forums. Here’s a short video clip explaining Former President Donald J. Trump’s charges on his indictments.

https://youtu.be/wVcNg83EgUc?si=sM-PAFfOkc6k_A-P

If you are currently a mortgage broker company, how can you become a mini-correspondent lender at the same time? Can you become a mortgage broker and a correspondent lender at the time. A wholesale mortgage account executive said it easy and no problem. Just like another professional opinion.

How does the 3-2-1 mortgage rate buydown work? Can you get seller concessions plus credit for 3-2-1 buydown on conventional loans and FHA loans?

Mortgage Rates For Monday, April 29th, 2024: As of Monday, April 29th, 2024, mortgage rates have experienced some movement. The average interest rate on a 30-year fixed-rate mortgage fell to 7.135%, while the 15-year fixed-rate mortgage dropped to 6.515%. These changes reflect a slight decrease from previous rates, influenced by economic factors and market conditions. For those interested in adjustable-rate mortgages, the average rate on a 5-year adjustable-rate mortgage also decreased to about 8.001%. This information is critical for homebuyers or homeowners considering refinancing as it impacts the overall cost of borrowing.

It’s always advisable to compare rates from multiple lenders to find the best deal for your situation, as rates can vary significantly between financial institutions. For the most current and detailed rate information, you can check updates from financial news websites like Preferred Mortgage Rates.

As of late April 2024, mortgage rates have seen fluctuations, with the average 30-year fixed-rate mortgage reaching around 7.9% and the 15-year fixed-rate at approximately 6.5%. These rates are subject to daily changes based on broader economic conditions, including inflation rates and Federal Reserve policies. Given the rise in rates, many potential homebuyers are adjusting their expectations and exploring different mortgage options to find the best possible rates and terms for their situations.

If you’re considering buying a home, it’s crucial to compare rates from multiple lenders and consider both fixed-rate and adjustable-rate mortgages depending on your long-term financial plans. Locking in a rate with a mortgage rate lock might also be beneficial to avoid any rate increases during your home buying process.

For more details on current rates and mortgage options, checking daily updates from reliable financial news sources like Gustan Cho Associates and Preferred Mortgage Rates can provide valuable insights and help you make an informed decision.

https://www.foxbusiness.com/personal-finance/todays-mortgage-rates-april-29-2024

foxbusiness.com

Today's 30-year mortgage rates drop while 15-year rates hold steady | April 29, 2024

Mortgage rates fluctuate almost daily based on economic conditions. Here are today’s mortgage rates and what you need to know about getting the best rate.

Here’s a blog about HUD Guidelines on gift of Equity.

Oldies are the best music.

https://www.youtube.com/watch?v=ejorQVy3m8E

Breaking news from heavy set obese Chris Christie Presidential Election Campaign is the heavy set former New Jersey Governor and Trump Ally turned enemy has suspended his 2024 Presidential Election Campaign due to his addiction to fried chicken 🍗

By June 2023, over 60,000 Mortgage Loan Originators have left the mortgage industry due to inflation, surging mortgage rates, skyrocketing homes prices, regulations, and low housing inventory. Another 50,000 loan officers are not expected to renew their loan origination licenses. Being a loan officer is not the most glamorous career today. Thousands of mortgage companies have or are thinking of leaving the Mortgage Industry. Rates are at historic high, the secondary market is unstable, lenders are scared to lend, economists are forecasting a housing market crash, inflation is soaring daily, and the Federal Reserve Board is absolutely clueless. So is now the time to be in the mortgage industry?

https://youtu.be/hocJn_xcm5s?si=VGOzvS-9DWY37q-J

Silver broke $24 per ounce. Buy silver. Still a very low price per ounce.

There are so many scammers in the United States. Every part of the country is invested by fraudsters at all levels. I know there are many different types of fraud and each type of fraud is stealing. Fraud is when a natural person maliciously deceives its victims by scamming their victims with the goal of taking advantage of the victim thus causing financial hardship. Common goals of scammers committing fraud is to take money, or assets of monetary or intellectual value or stealing private data, and information from you, your family, or your employer, or your business. Scammers commit fraud via email, text, phone or in person, either on the street or on your doorstep. Some adults may be especially vulnerable to fraud and financial abuse.

• This discussion was modified 4 months, 3 weeks ago by  Sapna Sharma.

Can you train a 40 year old person self-defense training? For example, if someone were to attack you, is it possible that you can train someone how to defend yourself from an aggressor and if so, can you do this type of training online and how long would it take?

Here’s Russell Brand informative link on how 17 million people worldwide 🌐 died because of taking coronavirus vaccine

https://rumble.com/v4699ii-bombshell-vaccine-data-mystery-turbo-cancer-rise-in-young-people.html

rumble.com

BOMBSHELL Vaccine Data + Mystery “TURBO CANCER” Rise In Young People!!

https://www.Brickhouserussell.com promo code BRAND for 15% off As Bret Weinstein informs Tucker of the alarming number of deaths resulting from the Covid vaccine, Pfizer makes a $43 Billion bet that ‘

Donald Trump and Crooked Hillary Rodham Clinton were the two candidates of the 2016 Presidential Election. Here’s a biography of the two candidates Donald Trump and Hillary Clinton

https://youtu.be/s7uScWHcTzk?si=XG6gzTp2ZMoNnitP

Climate change refers to significant changes in global temperatures and weather patterns over time. While climate variability is natural, much of the recent observed changes are due to human activities, particularly the emission of greenhouse gases (GHGs) like carbon dioxide and methane. This phenomenon is also commonly referred to as global warming or anthropogenic (human-caused) climate change. Here’s a broad overview of its causes, impacts, and the response strategies:

Causes of Climate Change

1. Greenhouse Gas Emissions: The burning of fossil fuels (coal, oil, and natural gas) for energy, deforestation for agriculture, and industrial processes contribute to increased concentrations of greenhouse gases in the Earth’s atmosphere.
2. Land Use Changes: Deforestation not only releases the carbon stored in trees but also reduces the planet’s capacity to absorb CO2 from the atmosphere.
3. Agriculture: This sector contributes significantly through methane emissions from livestock and rice fields, and nitrous oxide from over-fertilized fields.

Impacts of Climate Change

1. Temperature Increases: The most direct effect is the rise in global temperatures, leading to heatwaves and disrupted weather patterns.
2. Ice Melt and Sea Level Rise: The increase in global temperatures has led to the melting of ice caps and glaciers, contributing to rising sea levels, which can cause coastal erosion, increased flooding, and threaten coastal communities.
3. Ocean Acidification: CO2 absorption is making the oceans more acidic, affecting marine life and ecosystems, particularly coral reefs and shellfish populations.
4. Extreme Weather Events: There is an increase in the frequency and intensity of extreme weather events like hurricanes, droughts, and heavy rainfall.
5. Impact on Biodiversity: Climate change is altering habitats and threatening species with extinction, disrupting natural ecosystems.
6. Socioeconomic Effects: Impacts include threats to food security from decreasing crop yields and the loss of livable land, which could lead to displacement and climate refugees.

Responses to Climate Change

1. Mitigation: This involves reducing the flow of heat-trapping greenhouse gases into the atmosphere, either by reducing sources of these gases (e.g., the burning of fossil fuels for electricity, heat, or transport) or enhancing the sinks that accumulate and store these gases (such as the oceans, forests, and soil). Renewable energy sources like wind, solar, and hydroelectric systems generate electricity with little or no pollution and GHG emissions.
2. Adaptation: Involves making adjustments in ecological, social, or economic systems in response to actual or expected climatic stimuli and their effects or impacts. It aims to reduce vulnerability to climate change impacts, allowing societies to manage risks and damage while taking advantage of potential opportunities.
3. International Agreements: The Paris Agreement under the United Nations Framework Convention on Climate Change (UNFCCC), signed in 2015, is one of the global efforts where countries committed to limiting global warming to well below 2, preferably to 1.5 degrees Celsius, compared to pre-industrial levels through nationally determined contributions.

Personal and Community Actions

• Reduce, Reuse, Recycle: Adopting more sustainable practices in daily life can significantly reduce one’s carbon footprint.
• Energy Efficiency: Using more energy-efficient appliances and vehicles, upgrading insulation in homes, and using public transport can reduce individual GHG emissions.
• Support/Advocate: Supporting policies and leaders who prioritize climate actions and sustainable practices is crucial. Community-level actions can amplify individual efforts.

Addressing climate change requires coordinated global actions but also hinges on national, local, and individual efforts. The collective engagement in mitigation and adaptation measures is essential to effectively manage and hopefully overcome this global challenge.

Joe Biden and his administration are planning a climate emergency in the coming days or weeks. The Democrats are panicking because of the low approval rating and are cornered on what they can do to cheat their way to get reelected. Americans should expect more crisis, climate emergency Lock downs, wars, riots, pandemics, or natural disasters

.https://youtu.be/yogGHWVZlYE?si=PhvAZVL8NaOCP8Hp

• This discussion was modified 1 year, 1 month ago by  Gustan Cho.

What type of security surveillance system would you recommend to install in my house. I want surveillance cameras as well as sound and voice activated security system. I heard many of these security systems are easy to install and many are portable wireless surveillance cameras and voice activated security systems. Do you know how much it is. Ballpark. Thank you

I am interest in buying a single family house in California. I got pre-approved in 2019 in Placer County California which is near Sacramento. However, home prices have gone up and mortgage rates are double the rate it was in 2019. How can I shop for the best mortgage rates in California?

Gas prices surpassed $7 dollar per gallon at one Bay Area California gas station ⛽️. The economy in the United States 🇺🇸 is so shakey and unstable that the entire world is laughing at us. Joe Biden and the Biden Administration is so out of it and incompetent that it is enough to make anyone throw up and catch a deadly virus. Unbelievable.

https://www.fox32chicago.com/news/gas-hits-above-7-mark-at-one-bay-area-station-among-the-highest-in-california?fbclid=IwZXh0bgNhZW0CMTEAAR1JkXb1fU56tODoYIhWKrNeUgxR_ip_j88r6AoTxqaRLhzUODIAfu4vTD4_aem_AWf4G6cKPEK9Ebmr8sIiDsDVEyENWbdGunjetjXcTQ0uT5vv5mz7uDwYk_9FWkvIeDltmEgfXY7Nluey4DidugTt

fox32chicago.com

Gas hits above $7 mark at one Bay Area station, among the highest in California

Bay Area gas station hits above the $7 mark for regular unleaded, among the highest in California.

Fannie Mae Housing Market Forecast for 2025 announced that Mortgage Rates will remain at higher than 6.00% and not to expect a drop in mortgage rates. The federal reserve board dropping interest rates 4 times in 2024 turned out to be a big fat lie despite out of control inflation. The federal reserve board and Treasure Secretary Janet Yellen are blatantly lying about the economy having a soft landing and inflation being under control. Evey consumer in America know that prices of goods and services are out of control and inflation is not minutely close to what the fake NEWS MEDIA is reporting. Please don’t believe what the fake news media and the political hacks are announcing.

https://youtu.be/h2pNEPHP0gc?si=PnU3gpJKT8_2PgoV