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Brian Adams has many songs love and it never gets old.

https://youtu.be/s6TtwR2Dbjg?si=JCGTwDmthn3H2yIx

Kamala Harris, is it racism?

Who is Kamala Harris? A vice president who hasn’t achieved much. She is a heartbeat away from being president. If Biden doesn’t run in November, she may be running in his stead. Every time I look up information on her, all I find is the following: The first female African American to hold the office of vice president That’s her claim to fame, and I take issue with that claim. Also, what is she? Her mother, Kamil, is from India, which makes her Asian; her father, Donald, is, get this, Afro-Jamaican with Irish ancestry. I will assume she is a woman. Why isn’t she the first Irish-Jamaican-Asian? You list the adjective first: I’m Italian American. An American by birth, a Native American is what I am. Granted, she was born in Oakland, California, apparently of many different ancestors. Why does Africa come first? She’s barely African; has she been there? I’ve been to Italy many times. I don’t play it up; it’s obvious I’m Italian. My wife’s DNA states she is 2% Polynesian; she can’t relate to that; she’s Ukrainian and Slovak. Would my wife be Polish or Polynesian? My DNA says I’m 20% Greek. Southern Italians and Greeks have been screwing around with each other for a long time. Africa is just 30 miles from Sicily. I have black cousins! Are we Afro-Italianos? Everyone here is from elsewhere. The party plays the female race ticket; just give them a minority, and they will vote them into office.Kamala Harris, is it racism?

Who is Kamala Harris? A vice president who hasn’t achieved much. She is a heartbeat away from being president. If Biden doesn’t run in November, she may be running in his stead. Every time I look up information on her, all I find is the following: The first female African American to hold the office of vice president That’s her claim to fame, and I take issue with that claim. Also, what is she? Her mother, Kamil, is from India, which makes her Asian; her father, Donald, is, get this, Afro-Jamaican with Irish ancestry. I will assume she is a woman. Why isn’t she the first Irish-Jamaican-Asian? You list the adjective first: I’m Italian American. An American by birth, a Native American is what I am. Granted, she was born in Oakland, California, apparently of many different ancestors. Why does Africa come first? She’s barely African; has she been there? I’ve been to Italy many times. I don’t play it up; it’s obvious I’m Italian. My wife’s DNA states she is 2% Polynesian; she can’t relate to that; she’s Ukrainian and Slovak. Would my wife be Polish or Polynesian? My DNA says I’m 20% Greek. Southern Italians and Greeks have been screwing around with each other for a long time. Africa is just 30 miles from Sicily. I have black cousins! Are we Afro-Italianos? Everyone here is from elsewhere. The party plays the female race ticket; just give them a minority, and they will vote them into office.

Real estate investors benefit from using fix and flip loans by getting a mortgage for the cost of the acquisition of the property and the cost of construction all in one loan closing. Once the property has been renovated, the investor will sell it for a profit. Many investors, including novices, can get fix and flip loans and start investing in distressed properties.

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Fido Bona, ESQ

There are always two types of costs when you buy a house. There is the down payment and the closing costs. The down payment is a fixed dollar amount. The minimum down payment on FHA loans is 3.5%. The minimum down payment on conventional loans is 3% for a first-time homebuyer and 5% for a seasoned homebuyer. USDA and VA loans do not require a down payment. Closing costs are fees and costs a homebuyer gets charged. Closing costs is not just the cost of the origination from the lender. Any costs and fees associated with the purchase of a home are classified as closing costs. Closing costs includes pre-paids which are escrows.

Closing Costs and Down Payment on a Home PurchaseClosing Costs

Closing costs vary and is not a fixed rate. Closing costs depends on the city, county, state, and the type of property. Closing costs are the fees and expenses incurred during the finalization of a real estate transaction, typically paid at the closing of the deal when the title of the property is transferred from the seller to the buyer. These costs can vary widely but generally range from 2% to 5% of the home’s purchase price. Here are some common components of closing costs:

1. Loan Origination Fees: Fees charged by the lender for processing the mortgage loan application.
2. Appraisal Fee: The cost of having the property appraised to determine its market value.
3. Home Inspection Fee: The cost of a professional home inspection to check for structural issues or necessary repairs.
4. Title Insurance: Protects the buyer and lender from any legal disputes over the property’s ownership.
5. Attorney Fees: Legal fees for the services of an attorney to handle the closing process (required in some states).
6. Recording Fees: Fees charged by the local government to record the sale and transfer of the property.
7. Survey Fee: The cost of verifying the property’s boundaries and any potential encroachments.
8. Prepaid Costs: These can include property taxes, homeowners insurance, and mortgage interest paid upfront.
9. Private Mortgage Insurance (PMI): If your down payment is less than 20%, you may be required to pay PMI.

Down Payment on a Home Purchase.

A down payment is the amount of money a buyer pays upfront when purchasing a home, typically expressed as a percentage of the home’s purchase price. The size of the down payment can affect the mortgage terms, including the loan amount, interest rate, and monthly payments. Here are some typical down payment options:

1. Conventional Loans: These typically require a down payment of at least 3% to 20% of the home’s purchase price. A higher down payment can result in better loan terms and potentially avoiding PMI if the down payment is 20% or more.
2. FHA Loans: Insured by the Federal Housing Administration, these loans are popular with first-time homebuyers and require a minimum down payment of 3.5%.
3. VA Loans: Available to eligible veterans and active-duty military personnel, VA loans often require no down payment.
4. USDA Loans: Designed for rural homebuyers, USDA loans can also require no down payment.

Example Scenario

For a home priced at $300,000:

• Down Payment (20%): $60,000
• Closing Costs (estimated at 3%): $9,000

Total amount needed upfront: $69,000

Tips for Managing Costs

1. Shop Around for Lenders: Different lenders offer various loan terms and closing cost structures.
2. Negotiate with the Seller: Sometimes sellers are willing to cover part of the closing costs to facilitate the sale.
3. Ask About Closing Cost Assistance Programs: Some states and localities offer programs to help with closing costs for first-time buyers.

Understanding closing costs and down payments is crucial in budgeting for a home purchase and ensuring you are financially prepared for this significant investment.

https://www.gcamortgage.com/down-payment-for-home-purchase/

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Down Payment For Home Purchase Guidelines By Lenders

In this guide, we will cover down payment for home purchase requirements by mortgage lenders. Homebuyers planning to purchase a home have two types of costs

The weather in Florida has been 90 degrees everyday for the past two weeks. The good thing about it being so hot, that there is no one in the back seat of you car waiting to attack you.

FED CHAIRMAN LIE ON NATIONAL NEWS. Unbelievable. Inflation, unemployment is all fine according to FAKE NEWS JEROME POWELL. Everything is solid according to this lying POS.

https://www.youtube.com/live/Rhq5Y44OhFo?si=hy7uSUoSZRErhMWL

The Mafia and LGBT

I am proud of my Greenwich Village and my heritage. Just before summer kicked in early June 1969, the Stonewall Inn riots occurred. I’m not sure how many LGBTs know of this riot on Sheridan Square in Greenwich Village. The cops had enough of the gays and decided to raid the gay bar. This was the beginning of the gay movement.

This was actually a big mistake by the local police precinct; the “boys” owned the bar. When I refer to the “boys,” I mean the Mafia. They owned all the gay bars in the village. Gays were an everyday, matter of fact, occurrence in the village. The Italians paid them no mind; they didn’t hurt anyone. Tea Roooms, as they were called, sprung up, “Black Rabbit,” “One Potato,” where I actually worked a couple of bar shifts; it’s a long story how I wound up working there. The manager’s name was Bunny. He was gay and connected to the “boys.” My sisters had gay friends in elementary school. Everything was kept quiet, all behind closed doors, until that night in June, when 1,000 protesters came out of the closet and supported the Stonewall Inn. Not all were gay; many straight Villagers joined the protest.

The cops were brutal with their batons. This was long before “The Gay Officers Action League” was born. The cops and the “boys” always got along until that night. I guess there was a “sit down” between the two, and as expected, the “boys” won the battle. When it comes to money, don’t fuck with them. I suppose the Mafia helped the Gay Rights Movement.

I have always enjoyed the Italian traditions passed down through the generations. Meatless Fridays is a Catholic tradition the Italians practiced. I still try and adhere to the meatless Fridays whenever I can, except during Lent, when there is no meat at all.

Fish was the usual choice on Fridays, and I’ve eaten a lot of good pizza on Fridays. The Campagna Region of Italy, where this dish originated, has abundant fish and lots of great pizza. I’m sharing my recipe for Bucatini Aioli e Olio, with hot honey-seared scallops.

Aioli means garlic and oil. Olio is also oil.

Cook your pasta al dente.

Add garlic, olive oil, salt, pepper, and red pepper.

Season according to preference

Cast iron pan Heat a little canola or peanut oil, not olive oil.

When the pan is hot, place dried sea scallops in the pan

Salt and pepper lightly.

Sear scallops for three minutes each side.

Serve along with the pasta on a bed of spinach

Two-ounce ramekins of hot honey on the side for dipping

Don’t worry if a little honey mixes with the pasta.

This creates an amazing by-flavor.

New Zealand Sauvignon Blancs are dry and loaded with lemon and grapefruit flavors.

The acidity will call the hot honey a little, if not a beer.I have always enjoyed the Italian traditions passed down through the generations. Meatless Fridays is a Catholic tradition the Italians practiced. I still try and adhere to the meatless Fridays whenever I can, except during Lent, when there is no meat at all.

Fish was the usual choice on Fridays, and I’ve eaten a lot of good pizza on Fridays. The Campagna Region of Italy, where this dish originated, has abundant fish and lots of great pizza. I’m sharing my recipe for Bucatini Aioli e Olio, with hot honey-seared scallops.

Aioli means garlic and oil. Olio is also oil.

Cook your pasta al dente.

Add garlic, olive oil, salt, pepper, and red pepper.

Season according to preference

Cast iron pan Heat a little canola or peanut oil, not olive oil.

When the pan is hot, place dried sea scallops in the pan

Salt and pepper lightly.

Sear scallops for three minutes each side.

Serve along with the pasta on a bed of spinach

Two-ounce ramekins of hot honey on the side for dipping

Don’t worry if a little honey mixes with the pasta.

This creates an amazing by-flavor.

New Zealand Sauvignon Blancs are dry and loaded with lemon and grapefruit flavors.

The acidity will call the hot honey a little, if not a beer.

This subforum is directed to my friend Johnny Joe @RPE . Stay positive, stay away from negative energy, if there’s a will there’s a will, believe in yourself and your allies, you are not selling but rather offering, work smart vs hard, believe in yourself and success prevails. Never forget how you got to the top.

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VIP Agbero

Back in the day, Stallone was a struggling actor in every definition. At some point, he got so broke that he stole his wife’s jewelry and sold it. Things got so bad that he even ended up homeless....

Joe Biden is expected not to run for 2024 Presidential election. So who will face Donald Trump for President in 2024? Kamala Harris? Gavin Newsome? Michelle Obama? Who can destroy the United States.

https://youtu.be/bN6Bq58voW4?si=tTL3P2WadP0Rj7RM

Books that were never written:

“Running to the Outhouse”

by Willie Makit Illustrations by Betty Wont

I am a mirror on a wall in a lobby of a very exclusive, most posh, ritziest hotel in Washington D.C. I have been stared into for a long, long time, 75 years to be exact. I arrived some time before the end World War II. No one really notices me, I mean they gaze at me, but never see me, they look straight through me. The most powerful people in the world have looked into me, never realizing my true worth.

Many times each day I am sprayed and wiped down, this sorta tickles. My gold leaf border is dusted, and no smudges are visible. I weight over 100 pounds, imported from France, created by an artisan glazier for the hotel. I am a portrait mirror, you can check the polish on your shoes and prim your hair all in one look. Every guest must pass by me, either leaving or entering the lobby, you can’t miss me! I stand tall and proud.

Most people look at me to, fix their tie, fluff their hair, smear their lipstick, presently, couples stand in front of me and take selfies, this disturbs me, the glare and the sometimes flash irritate my reflection. So what propose do I serve? I feed the ego, for one. Hundreds of people each day stare at me and wait for my reflection. Am I handsome, pretty, or just fooling them selves? I can recall many presidents checking themselves, they don’t see what I see. I can gaze right back and pierce your heart with MY stare. Politicians can be fake, fake smiles, fake teeth and fake hair. I see who they really are.

I see and stare their sadnesses and their joys, but sometimes their lie directly into me. I can still see truth. If you dyed your hair I can see the roots, if you spin and pirouette I can see all the flaws within you, there is no escaping my truth. The true joys are great to be a part of, the sadness makes me question the person. My heart aches for them, yet I must remain silent.

President Harry S. Truman was my first president. He would stare at me in wonder and awe, I soon realized he was looking for answers. He had to make the most difficult decision of any president, weather or not to drop the Atomic Bomb on Japan. The struggle for this poor man made me believe I was not only a mirror of your image, but a mirror to your soul. Harry would often dine with dignitaries at our restaurant and pass by me, I felt at times he’d wink at me like an old friend. I don’t make decisions, I show you who you really are. His guilt ran deep, but there was no other decision to make to safe our country and our boys.

I felt a part of me shatter when I heard the news of John F. Kennedy, a young man with unlimited potential who really loved America. His death started a decade of destruction. More death of world leaders, a war no one wanted. The Kennedy Family was the backbone of Washington politics. John and Jackie were the most elegant couple ever to grace the White House. When they dined at the hotel all heads turned, I must admit I was taken aback by their appearance. I almost blushed when The First Lady stared at me do adjust her near perfect hair.

Many presidents I have met through my years, my favorite was Jimmy Carter. The kindest and most sincere of all. To this day, and well into his nineties, he still gives his heart and soul to those in need. The Reagan years were a lot of funny, Hollywood moved in. John Wayne, Frank Sinatra, they all came to met and greet me.

Don’t get me wrong my tenure hasn’t been all dreary, I have made friends and there has been many joys I have shared. The countless married couples who have posed with is priceless. The fact that I can see sorrow, doesn’t mean I cant see happiness. Sadness always finds me, but I look for happiness constantly. One couple was married for 50 years. Nearing 80 years old, their reflection was awesome. The love for each other pierced through me like a bright ray from heaven. My fondest memory was when I first arrived at the hotel, it has been my fondest every since. A WW2 sailor and finance met before me just prior to his deployment. They vowed their love in front of me. The sailor swore he’d return and marry her. They set a date to meet again, June 1, after the war in my lobby. No matter where she was she would travel to Washington and patiently wait his return. The war ended and there was no word from the sailor, news travelled slow during the war, she never knew what happened to him. She would wait for a letter, hoping he was still alive. The couple of years passed and still no word. She would to DC every June as she promised. No one ever met her. Finally, in 1947 she received a letter from the US Navy stating he was alive , but a prisoner of war in a German Stalag. He had been seriously wounded and couldn’t get any communication to her. When he was released he was shipped to Oakland, California to a Veteran’s hospital for observation. The Navy’s communication where he was at was late in arriving. She stayed true to her vow.

The sailor was released and had no information where his fiancé was living. He travelled by bus one late day in May to DC. When he arrived on Memorial Day, a few days earlier then the planned date, he though she wouldn’t show up in the lobby. He had lost his leg and was wheel chair bound, barely able to use crutches he waited for days hoping to meet her again. He could not afford our fancy, expensive hotel, he sought lodging in a flea bag hotel several miles away. Over the next few days he would find his way back to our lobby. He’d sit in front of me and I saw his sorrow , same sorrow displayed by his girl when she was waiting. June 1 came, and he made camp in front of me. For some strange reason I didn’t see is sadness today, I saw joy! Just as he was began to wheel himself back to the flea bag, she walks in ! I have never and will never see such happiness in two people. Their love appeared in my eyes and I swear I began to cry. They radiated love! I stored their love in mind and think back over the years of all the sadness and love I had experienced. May their love be a reflection for all to share.

Trying to see if buyer that has been renting home for 14 years , with option to purchase. How can he get in home with no down payment. Home is worth 245,000 selling 180,000 seller paying closing cost and prepaids . They are not related but have been good friends like his grandfather prior to renting. I assumed it was no way suggested 3.5 down make 12 payments. And refi as he has an irs lien he wants to pay off. So he can have the money he pays them stop coming out of his check.

There are instances when mortgage underwriters will require reserves from borrowers. What does reserves mean? Can equity in the home or 401k be used for reserves? How about if you have a paid off vehicle or precious metals? Or what if you have hard core cash. Can those be used for reserves?

If you ever question Nancy Pelosi or the Democrat Elites, you get automatically blacklisted. Democrat politicians cannot think on their own and need party approval. Otherwise you get blacklisted from the Democrat party. This is what happened to Hawaii Democrat Congresswoman Tulsi Gabbard. Democrat party is evil 😈 and demons. Here is proof Democrat party is evil. Tulsi Gabbard and many good Democrats are leaving the Democrat party in droves.

https://youtu.be/HZAP5sKACmQ?si=mSqEqPC0LcVFKn2R

Leave alligators alone if you don’t want to get hurt.

https://youtube.com/shorts/HdRpTy4gXB8?si=zCKv9SlOoL4GNIHk

What is the party of Democrat Socialist. What do Democrat Socialist stand for and believe in?

Dementia Joe Biden doesn’t need Cognitive Test. Joe Biden’s voters do.

https://youtu.be/7x-njSn3B9k?si=T2OuPeC5gNGSzLs8

What is our current state of our economy. Here’s what the two sides of our state of economy:

Democrats:

What inflation? What unemployment? What do you mean recession? Economy is great. Look at the Dow Jones Industrial Average which is at all time high. Rates are great. Home prices are up and that’s a good sign.

Republicans: Skyrocketing inflation, surging home prices, all time high rates, economy is bad and getting worse. FEDS are printing money and our economy is going down the shitter

https://youtu.be/bswXGr8l1HA?si=7w-svYXbjM0YTZPe

South Korean Global tech giant Samsung announced Taylor Texas will be home to Samsung’s U.S. semiconductor factory. The breaking announcement puts Taylor Texas on the global map.

https://youtube.com/playlist?list=PLnxykQ4xCbXu9EHcKzr0XqZioCz2CsDfI&si=mPANQR1Bv3ytMvAR

No with former President Donald Trump getting convicted on all 34 charges against him, how is the conviction of President Trump going to affect the state of NEW YORK?

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There are very minor reasons giving cops reasons to pull you over. Say you had a few glasses 🥂 of wine during dinner and you got pulled over by a cop for one reason or another. A cop can cite you for driving under the influence of alcohol even though your alcohol 🍸 BAC level is under 0.08. I know people who got into a lot of BS due to being pulled over by a cop.

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How You're Giving Cops Reasons To Stop You | How You're Giving Cops Reasons To Stop You | By VINwiki | Facebook

How You're Giving Cops Reasons To Stop You

Do you know who I am? Do you know who my father is?

https://youtube.com/shorts/KKAmeIKDfOU?si=QNHTatdUKikUUUbI

FHA DPA (Federal Housing Administration Down Payment Assistance) loan programs are designed to help eligible homebuyers purchase a home by providing financial assistance for their down payment and sometimes closing costs. These programs are typically offered by state and local government agencies, nonprofit organizations, and some lenders in partnership with the FHA. Here’s a general overview of how FHA DPA loan programs work:

1. Eligibility Criteria: To qualify for an FHA DPA loan program, you typically need to meet certain eligibility criteria, which may include:

   • Demonstrating financial need.
   • Completing a homebuyer education course.
   • Meeting income and credit score requirements.
   • Using the property as your primary residence.

2. FHA Loan Requirement: In most cases, FHA DPA programs are designed to work in conjunction with FHA loans. Therefore, you’ll need to qualify for an FHA loan first, which typically requires a lower down payment and allows for more flexible credit requirements than conventional loans.

3. Down Payment Assistance: The primary benefit of an FHA DPA program is that it provides financial assistance to cover a portion of your down payment. The amount of assistance can vary depending on the specific program, your financial situation, and the location of the property. Some programs offer grants or forgivable loans, while others may provide low-interest or deferred-payment loans.

4. Repayment Terms: The terms and conditions for repaying the down payment assistance can vary significantly between programs. Some programs offer grants or forgivable loans, meaning you may not have to repay the assistance if you meet certain conditions, such as staying in the home for a specified period. Other programs may require you to repay the assistance with interest once you sell the home or refinance the mortgage.

5. Application Process: To apply for an FHA DPA loan program, you’ll typically need to work with an approved lender or the organization offering the assistance. The application process may involve providing documentation of your income, assets, and other financial information.

6. Location-Specific Programs: Many FHA DPA programs are location-specific, meaning they are offered at the state or local level and may have different eligibility criteria and assistance amounts depending on where you plan to buy a home. It’s essential to research and find programs available in your area.

7. Homebuyer Education: Many DPA programs require participants to complete a homebuyer education course to ensure they understand the responsibilities of homeownership.

FHA DPA loan programs can be an excellent option for first-time homebuyers or those with limited financial resources who are looking to purchase a home. However, it’s essential to carefully review the terms and conditions of any program you’re interested in to understand how the assistance works and what obligations you may have in the future. Additionally, since my knowledge is current as of January 2022, I recommend checking with local housing authorities or lenders for the most up-to-date information on FHA DPA programs available in your area.

Joe Biden, the President of the United States, had two German Shepherds named Champ and Major. Champ is the older of the two dogs and was with the Biden family before Joe Biden became President. Major is a rescue dog and was adopted by the Bidens in 2018. Please note that there may have been changes or developments since then, so I recommend checking the latest information for updates on the Biden family’s pets.

If a NMLS licensed loan officer works for a mortgage broker and is licensed in 30 states, can the loan officer be paid their commissions by 1099 on states that he is licensed in that allow 1099 compensation and be paid W2 on states that do not allow 1099 compensation>

• This discussion was modified 1 year, 10 months ago by  Gustan Cho.

Dogs are better. Better than who? People.

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📍 Cutest moments with pets. ❤️💕💞 #dogs #dogsofinstagram #dogstagram #dogslife #fyp #fypシ #foryou #foryoupage #viralvideos #viral | Rayne P. Caballero | thaniaraynemodel · Original audio

📍 Cutest moments with pets. ❤️💕💞 #dogs #dogsofinstagram #dogstagram #dogslife #fyp #fypシ #foryou #foryoupage #viralvideos #viral. thaniaraynemodel · Original audio

I have heard many conflicting stories about Illinois banning pets stores from selling puppies. If true, is this law just for Illinois or are there othere states? Or is it state by state? Is there any truth to this or is it another conspiracy story from FAKE NEWS. Thank you in advance.