The term “two-year U.S. Treasuries” refers to U.S. Treasury securities with a maturity of two years. U.S. Treasuries are debt securities issued by the U.S. Department of the Treasury to raise funds for the government’s financing needs. These securities come in various maturities, including short-term, medium-term, and long-term.

In the case of two-year Treasuries, it means that the security will mature in two years from the date of issuance. Investors who purchase these securities essentially lend money to the U.S. government for a two-year period, and in return, they receive interest payments at regular intervals until the maturity date when they get their principal back.

The interest rate on these securities is determined through auctions, and it reflects prevailing market conditions and the government’s fiscal policy. Short-term Treasuries, such as two-year notes, are often considered less risky than longer-term ones because they are less susceptible to interest rate fluctuations. Investors may use these securities as a relatively safe investment or as part of a diversified portfolio strategy.

https://www.youtube.com/watch?v=9V6JM97fE9U

Here are the key differences between hybrid and electric cars:

Power Source:

Hybrid Cars: Hybrids have both an internal combustion engine (usually gasoline) and an electric motor. They can operate on either power source independently or use both simultaneously, depending on driving conditions. The electric motor is typically used at low speeds or during acceleration, while the gasoline engine kicks in at higher speeds.

Electric cars are powered solely by an electric motor and rely on electricity stored in a battery for propulsion. They do not have a traditional internal combustion engine and produce zero tailpipe emissions.

Battery Size and Range:

Hybrid Cars: Hybrids have smaller batteries compared to electric cars. These batteries are usually charged through regenerative braking or by the internal combustion engine, and they provide a limited electric-only range. However, hybrids do not need to be plugged in to charge.

Electric Cars (EVs): Electric cars have larger batteries that need to be charged externally, usually by plugging into an electric power source. The size of the battery determines the car’s range on a single charge, which can vary from tens to hundreds of miles depending on the model.

Fuel Efficiency:

Hybrid Cars: Hybrids are designed to improve fuel efficiency by using the electric motor to supplement the gasoline engine, especially in stop-and-go traffic. They achieve better gas mileage compared to traditional gasoline cars, but they still rely on gasoline.

Electric Cars (EVs): Electric cars are highly efficient and have the potential for zero tailpipe emissions, depending on the source of the electricity used for charging. They offer excellent energy efficiency and are considered environmentally friendly if the electricity comes from renewable sources.

Charging Infrastructure:

Hybrid Cars: Hybrids do not require external charging infrastructure since their batteries are charged through the internal combustion engine and regenerative braking. They can be fueled at traditional gas stations.

Electric Cars (EVs): Electric cars need access to charging stations for recharging their batteries. The availability and convenience of charging infrastructure can vary depending on the region, but it is expanding globally.

Environmental Impact:

Hybrid Cars: While hybrids are more fuel-efficient than traditional gasoline cars and produce fewer emissions, they still rely on gasoline and, therefore, contribute to air pollution and carbon emissions.

Electric Cars (EVs): Electric cars produce zero tailpipe emissions, making them environmentally friendly, especially when charged with electricity from renewable sources. However, the overall environmental impact depends on the source of the electricity used for charging.

In summary, hybrid cars combine both internal combustion engines and electric motors, offering improved fuel efficiency but still relying on gasoline. Electric cars, on the other hand, solely rely on electric power and provide the potential for zero emissions, depending on the electricity source.

NEXA Mortgage has revenue share which is residual income for loan officers and employees for NEXA Mortgage. Residual income is an override of every loan officer they recruit who does production. The residual income is through revenue share of loan officers monthly revenue and it goes down three levels. CEO Mike Kortas does a Zoom webinar live every Thursdays at 11 am Arizona time. It is a live Q and A for all loan officers who are interested in joining NEXA Mortgage. I have been with NEXA Mortgage going on two years come February 24th, 2024 and I can attest that CEO Mike Kortas is the real deal. We have a rock solid Chief Executive Officer and with that, we have a rock solid foundation. It is hands down better to take a few steps backwards to go forwards and make sure whatever you do, make sure you have a solid foundation. Anything with a weak foundation will not last. You can build a multi-million dollar home in a cracked foundation and it is not if it will crack but when it will collapse. I have been in the mortgage industry since 2012 and was a real estate investor and developer since 1998 and I have never met so many scumbags in any industry like the mortgage industry. Most CEOs of mortgage companies will tell you one thing and not honor their word in a matter of months. CEO Kortas has honored every single word he has said or promised. Never in my career have I ever met such a man of integrity, honor, and fairness like CEO Michael Kortas. With a strong foundation, you can rest assured you have the keys to your destiny in the mortgage industry.

https://gustancho.com/mlo-revenue-share-residual-income/

gustancho.com

MLO Revenue Share Residual Income For Loan Officers

Loan officers at Gustan Cho Associates will have the opportunity to participate in the MLO Revenue Share Residual Income, up to $3 million down.

Why you should be protected to avoid STD

@Bill Burg

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Follow @WeTrendingWorldWide ᴄᴏᴍᴍᴇɴᴛ ʙᴇʟᴏᴡ Tag Your Friends Share For More New Funny / Entertaining Content *Content creators Dm me for Credit or removal of video* *Dm For Promo* • • #WeTrendingWorldWide | WeTrendingWorldWide | wetrendingworldwide · Original audio

Follow @WeTrendingWorldWide ᴄᴏᴍᴍᴇɴᴛ ʙᴇʟᴏᴡ Tag Your Friends Share For More New Funny / Entertaining Content *Content creators Dm me for Credit or removal of video* *Dm For Promo* • •...

What does recission mean in the mortgage process?

Here’s a video clip about traumatizing a dog for life. The black lab mix will never be the same after witnessing a Bulldog being cut up.

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The dog is trying to say "I DON SUFFER FOR THIS HOUSE". #doglover #cakesofinstagram | Brian Junior | Brian Junior · Original audio

The dog is trying to say "I DON SUFFER FOR THIS HOUSE". #doglover #cakesofinstagram. Brian Junior · Original audio

My family is interest in getting out of the single family and multi-family home rental investment and getting more into investing in an RV campground, mobile home park, or storage facility. Is an RV Park a good investment? I have heard from business associates and other indirect investors that RV parks are a high-yielding investment with little downside. What type of return would be a good yield on an RV park investment and what type of capital do you need to get started. How is financing rates, terms, and conditions? Can a new investor get financing on an RV Park? What do you suggest to keep an eye on and what are the steps to go about shopping for RV Parks that is on the market? Are there business brokers that specialize in RV Parks? Do you suggest developing an RV PARK by buying land and starting from scratch or buying an existing RV park that is cash flowing.

Utah Department of Real Estate (UTAH DRE) is the state agency that overseas the licensing for mortgage loan originators, branch managers, associate principal lending managers, and principal lending managers. Getting the UTAH NMLS MLO license requires the 20 hour NMLS pre-licensing course, and 15 hours of continuing education the first time you get licensed. To renew the UTAH NMLS MLO license requires 8 hours of standard continuing education and two additional hours of Utah state specific continuation NMLS CE course every year. To become a Utah Principal Lending Manager UTAH PLM, the candidate need to be an NMLS MLO loan originator with at least five years of experience and have originated and closed 45 mortgage loans in the past 12 months. The UTAH Principal Lending Manager candidate needs to enroll and complete a 40 hour UTAH PLM comprehensive online course which consists of UTAH state specific mortgage rules, regulations, practice, policies and procedures, fraud, ethics, state and federal laws. Any advice on getting the UTAH NMLS MLO and UTAH PLM license would be greatly appreciated.

Elon Musk the founder and CEO of Tesla Motors strongly believes there’s a 20% chance Artificial Intelligence will destroy humanity in 12 months.

https://www.businessinsider.com/elon-musk-20-percent-chance-ai-destroys-humanity-2024-3

businessinsider.com

Elon Musk says there could be a 20% chance AI destroys humanity — but we should do it anyway

Musk recalculated his analysis of AI, saying there's a 10% or 20% chance it could destroy humanity. Safety researchers say he's underestimating.

Mortgage Rates a tad lower from yesterday. 30-year fixed-rate mortgage rates 6.78% down -0.10 from yesterday. 15-year fixed-rate mortgages is priced at 5.77% down -0.26 from yesterday. 5/1 ARM is unchanged 6.67% from yesterday. This week has been a steady week for mortgage interest rates at 6.66% . Mortgage rates has been unchanged since December 21st. Lower rates should spark homebuyers but many buyers are sitting on the sidelines. Weekly jobless claims was low for the week mainly due to a four day holiday week. The unemployment rate numbers released last week came in at 3.7 percent in December, and the number of unemployed persons was remain unchanged at 6.3 million. These measures are higher than a year earlier, when the jobless rate was 3.5 percent and the number of unemployed persons was 5.7 million.

Jobless claims, also known as unemployment claims or initial unemployment claims, refer to the number of individuals who have filed for unemployment benefits with the government’s unemployment insurance program. These claims are typically filed by individuals who have lost their jobs and are seeking financial assistance during their period of unemployment.

Jobless claims serve as an important economic indicator and are closely monitored by policymakers, economists, and financial analysts. They provide insights into the current state of the labor market and can indicate trends in unemployment. When jobless claims increase, it often suggests a rising number of people losing their jobs, which may be a sign of economic downturn or labor market challenges. Conversely, a decrease in jobless claims can be a positive sign, indicating improved job market conditions.

Jobless claims are typically reported on a weekly basis in many countries, including the United States, where the U.S. Department of Labor releases a weekly report on initial unemployment claims. These reports help policymakers and analysts gauge the health of the labor market and make informed decisions about economic policies and interventions.

It’s important to note that jobless claims are just one part of the broader picture of employment and unemployment, and they are often used in conjunction with other labor market indicators to assess the overall employment situation.

I am looking at buying a RVPark- that is currently cashflowing at a 7.5cap – I am looking at changing the model a bit and infusing capital plan to add capsule airbnbs and boat storage (20) frames are already built. The Property is 10 acres – less than 2 miles from a lake that has over 6 million visitors a year. It is located 30 minutes from 2 of the largest casinos and also 3 state parks. I am wondering if someone could finance on projected dscr. Any help would be great. I will post some designs of the homes and some of the land later today.

Arrogant incompetent Pennsylvania Congressman should be disbarred and tried for Treason, Obstruction of Justice, and just being Butterfield ass ugly.

https://youtu.be/qM8QDAkDzSM?si=xkZdfGqAQR3F-o_O

Alex Carlucci prides himself of being the Navy Seal of the Mortgage Industry. Granted Alex Carlucci has done near miracles in his tenure at GCA Mortgage Group throughout the years. I listened to this inspirational speech of Admiral William McRavens 2014 Commencement speech. Admiral William McRaven has been a real Navy Seal for 36 years. While listening to Admiral William McRaven, it seemed to me what’s going on here. I thought Our imitation Navy Seal Alex Carlucci was talking about FHA loans. What do you folks think. See the video

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Admiral William McRaven's 2014 #CommencementSpeech, “#Change The #World” at University of Texas, Austin. He shares practical #lessons from his time in the #SEAL teams. Worth listening to | Admiral William McRaven's 2014 #CommencementSpeech, “#Change The #World” at University of Texas, Austin. He shares practical #lessons from his time in... | By Dr. Evans Duah | Facebook

Admiral William McRaven's 2014 #CommencementSpeech, “#Change The #World” at University of Texas, Austin. He shares practical #lessons from his time in...

What is the end of the world theory and the depopulation theory? Why does Bill Gates, Barack Obama, The Rothchild Family, George Soros, and the world’s globalists believe in euthanizing people older than 70 years old and depopulation?

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?

I have been with NEXA Mortgage LLC going on 2 years as of February 24th. NEXA MORTGAGE is hands down the best mortgage company I have worked for in the mortgage industry. No other company comes close. NEXA MORTGAGE LLC has the states, lowest rates, and the products. No other mortgage company comes close. Tge reason why NEXA Mortgage is the best of the best is because of its founder and CEO, CEO Mike Kortas. Since the day I started working with NEXA, CEO Mike Kortas has never told me what to do, how to do things, or flex his muscles to show he is the boss. A man who is humble, honest, transparent, and is always supportive and backe you up on anything you want to do to further your career. A true leader who is loved and respected by all and gives you the key to succeed. A man who if you are loyal to him with give you ten fold back. CEO Mike is available seven days a week and have never not returned a call or text when you try to get a hold of him. We are all proud of CEO Mike Kortas for him being him. A true legend and Godsend.

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From Mike Kortas, CEO of NEXA Mortgage: "Staying closely connected with our Loan Officers is key to our success. That's why I'm personally ensuring we... | By Mike Kortas | Facebook

From Mike Kortas, CEO of NEXA Mortgage: "Staying closely connected with our Loan Officers is key to our success. That's why I'm personally ensuring we...