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Here is the song Surrender from Cheap Trick

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RIP Former First Lady Roselyn Carter. May you Rest in Piece 🙏

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Does anyone know the updated Fannie Mae two-to-four ulti-family guidelines on Conventional loans for owner-occupant, second homes, and investment properties?

You can be the best of the best mortgage loan originator, mortgage sales manager, mortgage branch manager, or mortgage company owner but without customer leads, what good is it. You can be a doctor with the cure to cancer but if nobody knows about it, what benefit does it have to society. You can graduate from Harvard, Yale, or Stanford Law School and have interned for Supreme Court Justices and be the best litigator in the world but without clients, you will not make descent money and may be eating Ramen noodles eveyday. However, you ever see those commercials in the wee hours in the mortgage from ambulance chancer attorneys? The lawyers that advertise they can get you millions for your injuries? Well, most of those lawyers are law school graduates who barely graduated and took them three, four, five times to pass the BAR exam and get licensed. But those lawyers are the ones that are making millions because they know how to market. Whether from organic traffic from the search engines, paid Google Ads, or television infomercials, they are marketing genius and are reaping the rewards due to reaching out to their audiences. That is how organic traffic through Google and search engines is key for loan officers and real estate professionals.

In this eLearning FORUM, I will cover how I started my mortgage website and the learning curve of my website to go viral. I am now counting nothing but organic traffic for my team of loan officers and am able to help other loan officers interested in getting organic traffic for their loan origination business. Nobody helped me while I was growing my online mortgage loan origination business so I want to give the community back by sharing my road to learning on my own through trial and error. This eLearning Forum on how to generate organic traffic from the search engines will be a series on what I had to go through, the hurdles I encountered, and the challenges that I am still facing. I created an online business marketing platform through Viral Website Developers and the Great Community Authority FORUMS (GCA FORUMS) where me and my digital marketing and technical team can offer a few select mortgage and real estate professionals a pilot program to expand my business model in an expedited system where you are able to get organic leads without paying in a fraction of the time it took me. When I first started my career as a full time mortgage loan originator, in April 2012, I tried everything possible to get leads. I cold called realtors, accountants, financial planners, and attorneys. Nothing gave me instant gratification so I explored buying leads. The very expensive leads were successful but cost $500 to $1,000 per lead. I could not afford that kind of money, therefore I purchased dollar leads. Boy was that a clustermess and stressful. I was calling these dollar leads to get yelled at from people without jobs and 400 credit scores getting called loser, get a real job, and many other humiliating names. I decided I wanted to be like Zillow and develop my own website. I created my own website on January 3rd, 2013 and went to work. I purchased my domain from GoDaddy and had a website company create a mortgage website with my newly purchased domain. To this date, I have never purchased a mortgage lead since I created and launched and started my website on January 3rd, 2013. The reason I started my website.

I did not know much about technology nor generating organic leads to originate loans. However, I set my mind that was what I wanted to do and started on my journey. I hired multiple so called SEO experts and none were successful. These so called SEO experts are nothing but fortune tellers and normally just want your money the only thing they are great at is talking out of their ass’s. From the time I created and started my website, I must have re-started my website from scratch at least 20 times or more. I knew that content was king so I started with posting content seven days a week. One thing I did not realize was that duplicate content was penalized by Google and the search engines. I then had to scratch all that and trash whatever I posted and get back to the drawing board. I started writing original content and my website started getting some recognition from Google where after six months I was getting a few leads a week where I was able to originate two to three loans a month. It started to work. I did not have a team and all I needed was a few loans a month to make a living. Religiously, I was posting new content daily and my organic unique daily visitors was increasing. During the tenure of owning and operating my website, I always seeked help, hired free lancers, and sought ways of improving daily unique visitors to my website. One thing you need to realize is that nobody will help you increase organic traffic because they consider you as competition. I will go over step by step on my mistakes and the process on developing how I am able to have a team of loan officers, support, operations, and marketing staff from mainly having a large online presence with digital media marketing and social media platform. I will discuss what Viral Website Developers has to offer. We are not website or online tool sales. We are open minded in partnering up with select mortgage professionals in expanding our online platform through Viral Website Developers where it will be a win win for our affiliates, subsidiaries, and partners. By learning what I have gone through, you can have your one-stop online mortgage business including organic lead platform in the fraction of the time it took me. It took me more than ten years to perfect my system. My team at GCA Mortgage Group generated $250,000 million dollars in 2021 with 14 states. The company we were in had high rates on government and conventional loans with only three non-qm wholesale mortgage lenders. 90% of the volume we did in 2021 were from organic leads from the search engines and we did not purchase a single lead. Now, we are at NEXA Mortgage since February 24th, 2022 with 48 licensed states including Washington, DC, Puerto Rico, and the U.S. Virgin Islands. There is not reason why team GCA Mortgage Group should not be able to generate one billion in annual production through branch provided organic traffic. We are hiring independent loan officers wanting to have their own branch, and select loan officers who want to be tied to a branch at GCA Mortgage Group. For loan officers who are either sponsored by a member of Gustan Cho Associates or are a member of our branch, you will have the benefits of learning our unique organic lead production system and become an owner operator of the one-stop shop mortgage platform. Stay tuned. We will cover more content on this topic.

I will continue this forum in the coming days.

• This discussion was modified 1 year, 11 months ago by  Sapna Sharma.
• This discussion was modified 1 year, 11 months ago by  Sapna Sharma.
• This discussion was modified 1 year, 6 months ago by  Sapna Sharma.
• This discussion was modified 1 year, 6 months ago by  Sapna Sharma.
• This discussion was modified 1 month, 2 weeks ago by  Sapna Sharma.

Remember when Elon Mosk declared war against California Governor Gavin Newsom and said he was going to move Tesla to Austin Texas. Well, Tesla moved to Texas and thousands of Tesla workers packed up their belongings and families and moved to Austin Texas. Austin Texas housing market has been on fire and appreciated like never before. Now with electric car market in the dumps and Tesla Motors in financial crisis and laying off thousands of workers, the Austin Texas housing market is in trouble. There are thousands of Taxpayers fleeing Austin Texas like never before. Texas home prices are tanking. Just in the past few months, homes in AUSTIN plummeted by 20%. Rents on studio apartments plummeted 17% last months. Many Tesla laid off workers can’t afford their homes in Texas. This is a developing story folks. More to come.

https://youtube.com/shorts/DehQ-qUyNWU?si=kUF03oeQ4s1esUpX

On a recent family gathering with my granddaughters, grandniece, and grandnephew and various cousins. Age from 3 to 10, my wife and I thought it would be cool to have them write a book. We came up with an elephant as the main character, then asked the children ten questions: color of your elephant, name, favorite food, etc. When compiled the answers, and this is what we came up with.

https://www.youtube.com/watch?v=VNYY6-DMwOg

Wanted to say thank you to Home Inspection Willie Germino. Home Inspector Willie Germino is the President and Chief Executive Officer of WZG HOME INSPECTION in Chicago Illinois. Willie Germino has worked for our family’s construction business when the bank required home inspections for the homes we built to get our draw or final waiver and payment. Highly recommend Home Inspection President Willie Germino of WZG Home Inspection.

Is there God. Is God Real? Is God Good? The Ten Commandments. Who is our Creator? Adam and Eve. Jesus. What is Heaven? Hell? Who is Satan? Who created Earth, the sun, the moon. Life and death. What makes a person Good, Bad, or Evil. Many questions for nonbelievers.

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Sharing the gospel to an Atheist in Walmart! Pray for Him 🙏 By @zachary_impellicceiri #dailydevotional #dailydevotion #Godisreal #jesuslovesyou #christian #Christiancontent #christianreels #motivation #Inspiration #truth #instagramforchristians #TheChristiansDeck | The Christian's Deck | thechristiansdeck · Original audio

Sharing the gospel to an Atheist in Walmart! Pray for Him 🙏 By @zachary_impellicceiri #dailydevotional #dailydevotion #Godisreal #jesuslovesyou #christian #Christiancontent #christianreels...

Below are the subsidiaries with a partnership interest or interests in GCA FORUM’s parent company, Gustan Cho Associates

1. GCA Mortgage Group
2. Non-QM Mortgage Brokers
3. FHA Bad Credit Lenders
4. Mortgage Lenders For Bad Credit
5. Jumbo Mortgage Options
6. Preferred Mortgage Rates
7. Multiple partner websites and social media platforms

Anyone in the mortgage and real estate industry knows how complex and confusing it can be—especially the thousands of rules and regulations on traditional, non-QM, and alternative non-conforming mortgage loan programs.

What are jumbo loans? How does it work? Which mortgage lender do you go to get qualified and pre-approved on jumbo loans?

If you currently own a home, you may have experienced a change in mortgage servicer during the life of your loan. The mortgage servicer typically changes when the loan is sold off to a different mortgage company that now holds the financial interest in your property. During this transition, not only does the company that collects your mortgage payments change, but the handling of your insurance and property taxes may also shift. It’s crucial to keep track of communications from both your old and new servicer. This will ensure a smooth transition, and update any automatic payments set up for your mortgage, insurance, and property taxes accordingly. If you have any questions or concerns about the transfer, don’t hesitate to reach out to both servicers for clarification. Remember, open communication is key to a successful transition.

When this changes, you need to notify your home insurance company so that they can update the mailing address of where to send the new home insurance invoice so that the insurance is paid promptly. If this needs to be corrected promptly, it can lead to a nonpayment cancellation on your home insurance. If this payment is made in a reasonable timeframe after the cancellation, then you may be at the underwriter’s discretion for possible reinstatement. Although that is the best possible solution, the opposing side could be a cancelation with a lapse. Which will cause difficulty finding new insurance and or be costly.

#homeownershipgoals #mortgage #playitsafe #knowledgeispower #growthmindset #winning

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Is Joe Biden the head of the Biden Crime Family? Is Jim Biden, Joe Biden brother, a criminal? Did James Biden commit Healthcare fraud? Who is Jim Biden. Did Joe Biden know James Biden’s allegedly criminal activity?

The Grapevine…

The last of the great generation.

Are the baby boomers the last of the great generation, perhaps? We were born after World War II. We all heard the stories of the war and the Great Depression. Our parents struggled, especially if they were children of immigrants like mine. They had nothing and gave us everything they didn’t have. How noble. They went from having nothing to giving us their all. I was content in a one-bedroom apartment in Greenwich Village. There were five of us squeezed into barely 900 square feet of space. Living quarters were scarred after the war; all returning needed an apartment. My parents eventually moved into a 3-bedroom apartment in the 1960s. Others fled the city for the suburbs, giving us a better childhood.

That’s where it all started! I was spoiled with a basketball and baseball glove; I had it all! Growing up, we were all in the same boat, not having a lot of money. Our parents saved nickels and dimes for that down payment for a house—probably two grand for a twenty thousand dollar house. We watched and learned about the struggles; they stayed happy and taught us respect. Yes, sir; no, madam. They took us to church; we all dressed up for Easter, and we attended midnight mass on Christmas Eve. We traveled on holidays to see our grandparents.

That’s when we blew it! The eighties gave way to greed; corporations grew and grew. Finally, we had enough money for our kids, and we spoiled them. We started the problem that exists today; it is our fault. We were so focused on giving them a better childhood than us that we lost sight of the meaning of living. My wife and I have four children: a doctor, a teacher with a master’s, a Michelin chef, and a savant. We gave them all the tools they needed for a successful future. We thought we were doing the right thing. I love my grandkids very much; they have everything and more. How can a child possibly show appreciation when they have it all?

We shower them with love, affection, and lots of stuff. They forget, “Thank you; you’re welcome.” Respect is long gone. When a kid is bullied in school or cyberbullied, oh, give me a break and delete those unwanted messages. The bully and his prey are called into the principal’s office. “Bobby, you must not say those things to Jimmy; he is offended.” Offended, come on, when we went to school, you settled this stuff after the school bell rang. Outside, down and dirty, with fists blaring and noses bleeding. We coddled our children. I had two older sisters; sh*t, I was bullied right there; they told me I was adopted. When my first sister was born, my parents handled her like crystal. When the second sister was born, she was handled—maybe not like crystal but more like an expensive pair of glassware. By the time I was born, I could go outside and play in the streets at six years old. I played in vacant lots with tons of broken glass. I was on my own. I dodged cars and had strangers hold my hand to cross the street. “Have somebody cross the street with you,” my mother would yell from our fifth-floor window.

I wasn’t abused, but I was slapped for having a wise month by my parents. I needed only one slap to put my buttocks to keep me in order. I lived in constant fear: “Wait until your father comes home.” This scared the crap out of me, and looking back, my dad never hit me.

I realize it is ultimately the child’s responsibility to behave accordingly. You can have two children and spoil them identically, and they may have different results; one can be a spender and cry baby, and the other could be a minamilist.

I worked from the time I was fifteen, and my parents saved money for me. I was never much of a saver when I grew older, but I was taught to save for a rainy day. It was up to me to continue.

Family traditions: what happened there? Holiday meals with relatives—I know the younger generation is trying to establish their own traditions, duh. That’s not traditional. Why must everything be changed? Why? Because they are spoiled and bored. Our generation stopped a war by protesting at the colleges. They protest today because their feelings are hurt. Oh, please.

Wake up, or woke up! Spend more time with your kids; take them to the park. Limit time on devices. They made fun of us in the fifties when I had my plastic cowboy cap gun and holster. They said I would grow up and be violent. Now eight-year-olds are watching videos of mass military shootings, naked women, and who knows what else? Don’t get me wrong. I go to the gun range often and like naked women. I am an adult, so I’m told. I hope that my great-grandchildren, whom I will never know, come to realize that life is more than devices and possessions, so they can forge ahead and be the next great generation.

You heard it through the grapevine.

Happy Saturday!

I am an ambassador for the Boisset collection of wines (Sonoma, Napa & Burgundy, France). Here is a 3 minute clip to daydream . However, if you are in any of these areas, I can hook you up (except for John Legend, He won’t take my calls, ha ha).

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• This discussion was modified 1 year, 2 months ago by  Sapna Sharma.

Ed Why is the U.S. Currency becoming worthless? Why is the world no longer considering the U.S. Dollar the premium Currency of the free World? Why is the United States 🇺🇸 losing respect from the free world? Why is Joe Biden no respect and thought of as an idiot. Why is Kamala Harris not respected as the Vice president of the United States of America 🇺🇸. Why is Kamala Harris referred to as an idiot. What did Kamala Harris do that people around the world refer her as a slut and whore. Who is Big Mike? Why is Barack Obama referred to as gay? Is Barack Obama gay? Is Michelle Obama a man?

It is ridiculously crazy at some classic car values and how much they are fetching in today’s automotive markets. Who ever thought 🤔 a $3,000 1970 – 1971 Dodge Cuda Big Block can be worth several hundred thousand dollars. Who ever thought a $3,000 1950 Mercedes Benz 300 SL Gullwing would be worth over a million dollars today. There are Classic Cars like the old Ferrari 250, Ferrari Boxers, Ferrari Dino, Ferrari F40, FERRARI F50, Lamborghini Countach, Lamborghini Miura, 2005-2006 FORD GT, 2004-2005 Porsche Carrera GT, and many more cars that is worth six to seven figures. Look at the attached video.

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This Addition Would Make a Car Worth $1.8 More 💰 🚗 | This Addition Would Make a Car Worth $1.8 More 💰 🚗 | By VINwikiFacebook

This Addition Would Make a Car Worth $1.8 More 💰 🚗

Getting Old

I know we all heard the stories about aging, aging gracefully. Fifties the new forties, sixties the new fifties and seventies the new sixties. I’m here to tell you its all bullshit! I just turned seventy, my mind thinks I’m fifty, until I get down on the ground with out having a plan on how to get up.

Things happen gradually, when someone asks you if you can remember your childhood phone number, you proudly recite it with that smug look. However, you can’t remember the password you created yesterday. Another sign of getting old is when you think you lost your glasses, and their on top of your head. Can’t find your phone, you borrow some else’s to call your number and soon realize you can’t remember your cell number, but you remember you childhood phone number which isn’t doing you much good right now. You hope someone calls your cell. Then you remember its on mute because of too many telemarketers.

Walking into a room and forgetting why you walked into the room in the first place.

Its not all dismal, you try to save money and clip coupons, which you never use. You buy BOGOs and forget you have enough paper towels in the garage to clean up an oil spill in the ocean.

My all time favorite is watching a movie I have already seen. Half way through the movie it hits me, I’ve seen this movie before, but can’t remember the ending. So, I get to watch it all over again, just like a new movie. You walk past a bathroom and figure, what the hell, I might as well go while I’m here.

My tip on investing when you get old, don’t buy green bananas.

The difference between a deed-in-lieu of foreclosure and a foreclosure centers on the process and implications for the homeowner and the lender:

Foreclosure:

• Process: Foreclosure is a legal process initiated by the lender when the homeowner fails to make mortgage payments. The lender takes legal action to seize the home to recover the money owed.
• Impact on Credit: Foreclosure has a significant negative impact on the homeowner’s credit score and can remain on the credit report for up to seven years.
• Public Auction: Typically, the foreclosed property is sold at a public auction, and the lender may still pursue a deficiency judgment if the sale price does not cover the mortgage balance owed.
• Legal Proceedings: Involves court intervention, especially in judicial foreclosure states, where the process can be lengthy and costly.

Deed-in-Lieu of Foreclosure:

• Process: A deed-in-lieu of foreclosure is a voluntary process initiated by the homeowner who cannot make mortgage payments. The homeowner hands over the deed to the property to the lender to satisfy the loan, thereby avoiding foreclosure.
• Impact on Credit: While it still negatively affects credit scores, a deed-in-lieu may be slightly less damaging than a foreclosure. It also shows on a credit report for up to seven years but is often viewed slightly more favorably since it demonstrates proactive management of the default.
• Resolution: This process is generally quicker and less costly than foreclosure. It also avoids the public auction aspect of foreclosures.
• Deficiency Judgment: Typically, a deed-in-lieu agreement includes a provision that forgives any deficiency between the home’s value and the amount owed, though this needs to be negotiated with the lender.

Choosing Between Them:

• Homeowner’s Situation: The choice between pursuing a deed-in-lieu of foreclosure versus undergoing a foreclosure often depends on the homeowner’s specific circumstances, including their ability to negotiate with the lender and the lender’s willingness to accept the deed-in-lieu.
• Lender’s Discretion: Not all lenders will accept a deed-in-lieu of foreclosure, especially if there are other liens against the property, as these complicate the transfer of a clear title.

Both options are ways for borrowers to address financial hardship and impending foreclosure, but they carry different implications for the time required, impact on credit health, and potential financial obligations following the event. Homeowners facing such decisions may benefit from consulting with a financial advisor or a legal professional to explore the best course of action based on their personal situation and the specific terms of their mortgage agreement.

In this forum, we will discuss and cover condotels. What are condotels? What makes a condominium unit a condo hotel or condotel? A condotel is a type of real estate investment that combines condominium-style private ownership with hotel-style management. Here’s how they typically operate and some factors to consider if you’re thinking about investing in one:

What is a Condotel?

• Definition: A condotel is a condominium that is operated as a hotel with a registration desk, cleaning service, and more. Owners can use their unit as a private vacation home and also rent it out as a hotel room when they are not using it.
• Management: The hotel management handles renting out the units, maintaining common areas, and providing hotel-like amenities such as housekeeping, room service, and concierge services.

Features of Condotels

• Amenities: Like traditional hotels, condotels offer amenities such as pools, fitness centers, spas, and restaurants.
• Flexibility: Owners have the flexibility to stay in their unit when it’s available. When they are not using it, the unit can generate income by being rented out.
• Location: Condotels are often located in popular tourist destinations like beach fronts, downtown areas, or near major attractions, enhancing their appeal to renters.

Financial and Legal Considerations

• Financing: Getting a mortgage for a condotel can be more challenging than for a typical condominium. Many lenders view them as riskier investments, which can lead to higher down payment requirements and interest rates.
• Income Potential: The income from renting out a condotel can help offset the cost of ownership. However, revenue can fluctuate based on tourism trends, management performance, and competition from other hotels and rentals.
• Regulations: Ownership and rental rules can vary significantly depending on local laws and the specific condotel’s policies. Potential buyers should review these regulations carefully.

Investment Considerations

• Market Fluctuations: The profitability of condotels can be sensitive to the broader tourism industry, which may be impacted by economic downturns, natural disasters, or other factors reducing travel.
• Management Fees: Owners typically pay management fees for the operational aspects of the condotel, which can reduce the net income from rental earnings.
• Resale Potential: Reselling a condotel unit can sometimes be more challenging than selling a traditional condo due to the niche market and dependency on the tourism sector.

If you’re considering investing in a condotel, it’s essential to conduct thorough research and possibly consult with real estate professionals who have experience with this type of property. They can offer insights into the local market, potential returns on investment, and any legal complexities involved in owning a condotel.

Opening business cards is not difficult. Here’s a step by step guide to Opening a business credit card.

https://youtu.be/u9qE-mVShvo?si=7TlS9lLPKbVhP99M

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#1 Trick to Get Business Credit Cards WITHOUT a Business

Identity thieves love tax season. Protect yourself. Go to my sponsor https://aura.com/markreese to get a 14-day free trial. Click “Show More” to see Ad Disc...

In my opinion, investing in a college education is a total waste of money and time unless you are going to college for a vocational education like plumbing, electrical, mechanic, engineering, computer, technology, or other job training higher education. Of course this doesn’t include going to college to become a doctor, nurse, dentist, teacher, lawyer, architect, mathematician, physicist, or other vocational education. Joining the military is the best education in the world or a junior college to train for a career. Look at this informative video from John Stossel about the College Scam.

https://rumble.com/v4y7h66-the-college-scam.html

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The College Scam

Congratulations to the new college grads…. But Economist Bryan Caplan says FEWER people should go to college. Here’s why:

I have a three car Attached Garage. Our dream was buying a large steel building to store classic cars I love to buy. I have room to build but seems like a lot of work. Building permits, concrete, electrical work, HVAC for climate control, etc. I will get this done. Garage space is what deterring me from buying some reasonably priced classic and sports cars. Here a great video clip from VINWIKI

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The Biggest Struggle of Car Guys: Garage Issues | The Biggest Struggle of Car Guys: Garage Issues | By VINwikiFacebook

The Biggest Struggle of Car Guys: Garage Issues

What is the lowest credit scores you can have to qualify for NON-QM JUMBO LOANS?

I am looking at Tiny homes and financing. I currently have a few rv parks that i am looking to put in some tiny homes, eventually i would like to make a community of these maybe have up to 40. The homes will be on a permanent foundation with county water and central sewage. I was wondering if anyone has financed these type of projects or tiny homes in general. I will upload a few pictures but am working with an architect for the site plan. I have sites mainly in oklahoma but also in texas and south carolina.

I drink and I smoke!

Hey, I bet you just got a visual of me! Ha! But what I mean is, I drink great wine and I smoke food on a smoker. What? Let me explain.

I live in Northern California and LOVE eating outside during the spring, summer, and fall. A few years ago, my husband, a licensed general contractor, built me an outdoor kitchen. My love for this kitchen is deep! However, the grill he installed scared the living daylights out of me. I was literally afraid to use it, and my husband, busy with work, didn’t have time to grill. So, I found a school—yes, a BBQ school. We signed up for classes and spent a weekend in San Francisco, CA, learning all about grilling, using that intimidating grill, and getting creative with our summer meals. Then, there was a segment on smoking. Hmm, I thought I wouldn’t want to do that, but since it was part of the course, we gladly learned about it.

This is where things took a turn—I became OBSESSED with smoking food. I mean, really obsessed! So guess what? We came back home and bought a Traeger smoker! And guess what I do more than grill now? Yes, you guessed it—I smoke!

As a sommelier, I love pairing wines with food, and I find it super fun and interesting to pair smoked foods with wine. Does anyone else smoke? Let’s talk!

West Virginia Senator Joe Manchin leaves the Democrat Party one day after Donald Trump’s guilty verdict on 34 felony charges. It’s coming faster than expected, folks. Donald Trump’s charges, trial, and guilty verdict is backfiring on the Democrats. I expected Trump guilty verdict backfiring on the Democrats but not this fast. More political chaos is expected in the coming days a weeks. Fatman Alvin Bragg is gleaming with joy saying he did his job. Fatso Alvin Bragg has been vowing to bury Former President Donald Trump.

Global warming, I never really bought into global warming and not all scientists agree of its existence. We are newcomers to the earth, things have been spinning around for years, warming up and icing up, hence The Ice Age. Kinda of like Florida, the people who have made this state home know how to adapt to the environment. Newcomers to Florida feel the wrath of summer. Currently, its the beginning of June and May has shown four days over 90 degrees, all in the last two weeks. How does a newcomer survive the heat? Personally, I don’t care if they survive, you didn’t plan ahead. More people have moved to the Tampa area in the past year then ever before. Housing values have doubled, everything is expensive. Some say its the next Miami. However, there are no beaches in Tampa and very little shore space in the county of Hillsborough. You have to travel to two of the most congested cities in Florida to reach the beaches. Clearwater Beach and St. Pete Beach are absolute beautiful and crowded. Parking is a nightmare, if you can find a spot.

No I am not going to be hard-hearted on new arrivals, I wasn’t born here, I am a transplant. But I will give some hints on how to survive the hellish heat. First thing, get a pool or have access to one, that’s a no-brained. Secondly when parking your car always park under a tree. If you don’t when to enter your car be prepared to enter a pizza oven at 900 degrees! You will melt, especially if own a black car. Need more tips, air-conditioning you will need one and a good repairman. Odds are when the temperature hits 90 degrees, your air conditioner will tank, it will be on a Friday during a three day weekend. Two questions I always ask when buying a house, are the age of the roof and the air conditioner. Buy a generator for when the power goes out and the air conditioner isn’t working.

The snowbirds from Canada have figured it out they arrive in October and leave in May, why? Hurricane season is from June to November. If you haven’t experienced a hurricane in Florida you will when you move here. By the way it rains most days. We have roaches the size of mice and alligators roaming everywhere. The humidity is awful. Lizards jump up and greet you and the mosquitoes can’t wait until dusk to suck a pint or two of blood. All in all Florida is my home and I love living here, once I figured it out.

Senator John Kennedy (R-LA) takes the Senate Floor to address the rampant widespread sexual harassment at the FDIC. FROM racial comments to sexual innuendos, to high ranking FDIC officials visiting brothels, the FDIC is totally out of control. Self enforcement of the agency is not possible because the abusive behavior is from top on down. Recent reports have highlighted serious issues of sexual harassment and misconduct at the Federal Deposit Insurance Corporation (FDIC). An independent review conducted by the law firm Cleary Gottlieb, commissioned by the FDIC’s Special Review Committee, revealed pervasive sexual harassment, discrimination, and bullying within the agency. The investigation, which included accounts from over 500 current and former employees, found that these behaviors were tolerated by senior leaders for years, with complaints often met with retaliation instead of being properly addressed.

The report criticized the FDIC’s “patriarchal, insular, and risk-averse culture,” stating that management’s response to allegations of misconduct was “insufficient and ineffective.” It detailed incidents of senior executives pursuing romantic relationships with subordinates and other inappropriate behaviors. Despite these findings, the report stopped short of recommending the removal of FDIC Chair Martin Gruenberg, although it questioned his ability to lead the necessary cultural transformation.

In response to the findings, Gruenberg expressed his remorse and committed to implementing the report’s recommendations, which include establishing an anonymous hotline for reporting misconduct, developing a more transparent process for handling complaints, and ensuring better support for victims.

The situation has sparked calls from both Republican and Democratic lawmakers for significant changes at the FDIC, with some demanding Gruenberg’s resignation. This controversy not only highlights the immediate need for reform within the FDIC but also raises broader concerns about leadership and accountability in government agencies.

For more detailed information, you can refer to sources like Politico, the FDIC’s official report, and Reuters.

See the video clip of Senator John Kennedy.

https://youtu.be/zf3D3vq7bGQ?si=7OwNHPb7tGF7dYg1

• This discussion was modified 1 year, 9 months ago by  Gustan Cho.

My granddaughter

One lazy Saturday afternoon, I decided to catch up on some bills. I retrieved my checkbook, bills, and stamps to pay the bills. There were only four checks to write, so I thought I would just sit in the recliner, watch the ball game, and write the checks. My granddaughter, as usual on Saturdays, called her grandmother, my wife. They did ‘face time’ where both could view each other while talking. I wasn’t really paying attention to their conversation; my concentration was on math, not my best subject in school. I could hear them talking. My ears really perked up when I heard Melody say, Do you want to meet my boyfriend? She is only five years old! I know things move differently in Mississippi, so I’m not one to judge; however, she is only five years old! Nono, as my wife is affectionately known, started asking questions. The first question posed was, “How old are you, Kenny?” This deep voice can be heard over the phone—too deep for a five-year-old boy. “I’m not too old.” Immediately, my grandpa’s antennas went up; this kid won’t answer; I don’t like him. The next question my wife asked was, “What do you do for a living?’ Again, he did not answer. I’m thinking, “Who the fuck is this kid? Why is my wife having this conversation with this liar? Melody is only five years old! My wife asked the boy, ‘What’s your name?’ He answered Kenny, I now thought we were finally getting some where. He spoke monosyllabically—not many big words—and I began to think this kid was just full of shit. I continue to write the bills and watch the game, still not paying full attention to the phone conversation. Kenny spoke up and said, “Melody wants me to talk to Papi; that’s me. My bride hands me the phone, and I mime to her, “What the fuck are you doing? I don’t want to talk to this little shit.” Melody’s voice is heard: “Papi, talk to Kenny.” I’m resisting this; I don’t want to talk to this kid! Finally, I conceded to the powers of my granddaughter. I pick up the phone and meet Kenny; he’s a fucking doll! Ken from the Barbie set appeared, voiced by my five-year-old granddaughter. I am still laughing!