GCA FORUMS HEADLINE NEWS for Wednesday, February 19th, 2025. Great Content Authority Forums news topics for today will cover the mass amount of fraud and corruption revealed by the Department of Government Efficiency (DOGE) led by Elon Musk and his team of auditors. The fraud and corruption discovered is not even one percent of federal agencies. DOGE also discovered that over 3 million people older than 100 years old have been collecting social security benefits, and some even older than 150 to 300 years old. There is no such thing in existence. The dead people getting social security turns out to be in the trillions of dollars. Corruption, greed, and fraud are totally out of control. President Trump said that with the hundreds of billions of fraud and corruption in government, the American people may be getting a stimulus check that will make a huge impact in their lives and get the federal government back in order. The biggest corruption and fraud that is anticipated by DOGE is by USAID, the Social Security Administration, the Federal Reserve Board, the Internal Revenue Service, the Department of Defense, the PENTAGON, Health and Human Services, the Department of Treasury, and the Federal Aviation Administration. Department of Homeland Security, especially FEMA.

GCA FORUMS HEADLINE NEWS

February 19, 2025

The Department of Government Efficiency (DOGE) Makes Diligent Headway

Major revelations have come to light due to the efforts of Elon Musk and an astute team of auditors at the Department of Government Efficiency (DOGE). It has issued a shocking report detailing the stupendous fraud and corruption that several federal agencies have perpetrated. Unfortunately, neither probes nor internal audits were offered by the government departments, and, as a result, the frauds detected stood at over 3 million dollars. The expenditure, however, was a meager fraction, 0.87% to be precise, depicting the level of skepticism that can be placed on the operations of these agencies.

The most startling is that more than 3 million individuals are over 100 years of age. For extraordinarily gracious reasons, certain records show beneficiaries claiming between 150 and 300 years, which is impossible. From the analysis that has been done, it can be stated boldly that America is losing trillions of dollars, which, in all honesty, is emitted from the nation due to a remarkable amount of sociopathic greed and fraud.

In his comments, President Trump stated that manipulating and cheating the system, which accounts for hundreds of billions of dollars, may enable Americans to receive financial relief. He also suggested that stimulus checks could significantly affect the lives of families nationwide, all while underscoring the urgency of restoring order to the federal government.

Among the most important areas of corruption listed in the DOGE report are:

• USAID
• Social Security Administration
• Federal Reserve Board
• Internal Revenue Service
• Department of Defense and the Pentagon
• Health and Human Services
• Department of Treasury
• Federal Aviation Administration
• Department of Homeland Security, notably FEMA

While furthering these investigations, the public and lawmakers have asked for detailed solutions to address the concerns. These revelations have brought up a major issue: the worrying lack of supervision and responsibility in how the government functions and how such intricate fraud can be perpetrated in the first place.

Make sure to keep an eye out as DOGE comes up with more results for their scans and as the repercussions of these results unfold. During this time, the reputation of the federal agencies and the possibility that social aid programs have actually helped the people seem slim. It is now upon the country’s leaders to take immediate steps and deliver.

https://www.youtube.com/watch?v=_RsV2BllnnM&list=RDNS_RsV2BllnnM&start_radio=1

GCA FORUMS HOUSING AND MORTGAGE NEWS for Wednesday, February 19th, 2025. President Donald Trump is going full steam ahead with uncovering what seems to be the largest fraud and corruption in the history of the United States with the help of Elon Musk and the new federal Department of Government Efficiency (DOGE). Elon Musk has been in charge of DOGE just for three weeks, and he has uncovered trillions of dollars of fraud, corruption, and blatant irresponsible spending that no doubt has been used to embezzle taxpayer funds. The fraud and corruption include paying millions of dead people social security checks and benefits. There are recipients for these stolen taxpayer funds. President Donald Trump said that the fraud Elon Musk discovered was not even 1.0% of what is coming. Potential hundreds of billions of dollars worth of fraud that Trump and Musk are expecting to reveal are from many federal giant agencies that can and will affect the housing and mortgage marketplace, which will affect homeowners and homebuyers. The agencies that affect the housing sector and mortgage markets in the United States include the Federal Reserve Board, the Consumer Financial Protection Bureau (CFPB), the Internal Revenue Service (IRS), the Department of Housing and Urban Development (HUD, which is the parent of the Federal Housing Administration or FHA), the Department of Defense (the Pentagon), the Department of Veterans Administration, and the United States Department of Agriculture (USDA and USDA Loans). Fannie Mae, Freddie Mac, the United States Treasury, the Department of Homeland Security, the U.S. Health and Human Services, and countless other federal agencies and third-party contractors. Another important issue that affects homeowners and homebuyers is property taxes. There are many talks and debates concerning the legality and legitimacy of property taxes on single-family homes. Many homeowners, especially the elderly, President Trump is thinking of abolishing the IRS, federal income taxes, and property taxes. President Trump is also thinking about giving the American people a stimulus check from the fraud that was committed. This is a developing story from GCA FORUMS NEWS. With the abolishment of the Federal Reserve Board, interest rates is going to drop and inflation will get back to normal because the Federal Reserve Board can no longer print U.S. Currency and the dollar will be backed by Gold and Silver.

GCA FORUMS DAILY NEWS: National Headlines News Update for Friday, February 14th, 2025: President Donald Trump is on the national spotlight every minute of the hour, seven days a week since taking office on January 20th, 2025. Right next to President Donald Trump’s grand plan on Making America Great Again is rising star and fraud fighter “superhero” Elon Musk and his piloting the Department of Government Efficiency (DOGE). DOGE, under the leadership and management of Elon Musk, has discovered trillions of dollars in fraud. The fraud discovered by Elon Musk’s DOGE is trillions of dollars in taxpayer funds have been used to enrich large corporations, government agencies, and politicians at all levels (federal, county, and local), foreign countries such as Ukraine, China, and third-world countries with nothing to do with the United States, as well as non-essential causes that have absolutely no benefit to America and the American people. Hundreds of millions in aid sent to foreign countries is said to have never reached the country; they never got it. Where did the money go? Fraud in government is substantially exponentially higher than ever expected. At a press conference at the White House, with President Donald Trump at his side, Elon Musk said the trillions of fraud discovered in less than one week are the tip of the iceberg. Musk said DOGE has not even started the real in-depth fraud investigation. The federal government, under the control of the Democrat Congress and Senate and Democrat President Joe Biden and Vice President Kamala Harris, has turned the federal agencies under the helm of the Federal Reserve Board and the Internal Revenue Service, developed, created, and launched the United States of America into a gigantic candy jar to enrich themselves, families, friends, and allies into an endless lifetime money printing press with nobody to watch, question, or stop them. How can Congresswoman Nancy Pelosi have a net worth of $80 million on a $174,000 salary from the federal government? How can Barack and Michelle Obama have a net worth of $100 million when they were literally flat broke when Barack Hussein Obama became elected president? Same scenario with William Jefferson Clinton and Hillary Clinton, as well as Joe Biden and Kamala Harris. The fraud audit started with USAID and will expand from there to the U.S. Department of Education. President Trump wants to see the abolishment of the Federal Reserve Board, the Internal Revenue Service, and the CFPB. Elon Musk said he likes to see DOGE audit every single federal agency in the United States government and take a second look at what each agency does and to what benefit the agency has to America and the American people. It will then be decided on a complete restructure or reorganization if need be, or the agency will get abolished forever. While DOGE is coming up with fraud after fraud, scam after scam, Democrat members of Congress and the liberal media were going crazy and losing their minds, criticizing President Donald Trump, Republicans, Elon Musk, and the Department of Government Efficiency. It is extremely alarming how rampant fraud is. This is not even the start. Just a needle in a haystack. Hundreds of trillions of dollars of fraud will get discovered, tens of thousands of people and heads of corporations and government agencies will get indicted, arrested, tried, convicted, and sent to prison for a long time. The buck does not stop at the federal government level. Fraud is most likely more widespread at the state, county, and city levels as well. In today’s GCA Forums Headline News, we will cover the widespread fraud in federal government agencies, politicians, and the extent of fraud that exists in the United States, as well as how bad the Federal Reserve Board and the Internal Revenue Service have taken advantage and defrauded America and the American consumer. This post on fraud in America on Great Content Authority Forums is a developing story. We will continue to cover this topic daily and update our viewers at GCA FORUMS NEWS.

https://www.youtube.com/watch?v=Gop1_usKAM8

The very touching and sad tale of Tommy the Alsatian and his owner, Maria Margherita Lochi, occurred in a small village called San Donaci in southern Italy. Here is their story in detail:

Connection:

57-year-old Maria Lochi adopted Tommy as a puppy when he was a stray. They became inseparable over time. Maria had taken in many strays since she was known for her love for animals, but there was something special about Tommy.

Church Attendance:

Every day, Maria would walk to mass at the Santa Maria Assunta village church, which Tommy would always follow. Father Donato Panna, the priest, let him sit quietly by her feet during services.

Maria’s Death:

Maria died in November 2012, and her funeral took place at the church where she used to go regularly.

Tommy’s Vigil:

Tommy began showing up at the church every day after Maria died whenever the bells rang for mass. He would sit silently where he sat with her during services until she died. He continued this behavior month after month following her death.

Community Response:

The villagers were touched deeply by how loyal Tommy remained even after his owner passed away; they often brought food and water for him so that he could keep waiting there without starving or dehydrating himself while still being cared for.

Father Panna’s Role:

Father Donato Panna found himself particularly moved by what seemed like an unbroken commitment displayed on behalf of this creature towards its deceased master.“He still comes to mass each morning even though she is no longer here,” said the father. He waits patiently beside the altar railings and then just sits down quietly there. I didn’t have the heart to chase him away—I’ve only just lost my own dog, so I let him stay till the end of service before letting him out.”

Adoption:

Eventually, Father Panna decided that seeing as how faithful tending never could find another place to call home except near church, where memories about Maria seemed strongest, it would be best if he himself adopted him instead, giving opportunity for this poor animal to remain without any roof over his head at all hours but one closest to his owner’s memory.

Community Impact:

When Tommy’s story hit international headlines, it moved the locals and people worldwide. It was a powerful illustration of the deep relationship between humans and animals and how those bonds continue even after death.

Legacy:

In canine loyalty discussions and examples showing the depths of animal feelings, Tommy’s tale has been used since then. It is often mentioned during debates on whether or not creatures grieve. Also, if they do, what is duration supposed to mean exactly?

Here is a heart breaking story of Tommy the German Shepherd dog who kept on coming to church every Sunday after his owner Maria passed. The priest eventually ended up adapting the homeless loyal German Shepherd dog, Tommy.

https://www.facebook.com/share/v/o2E4cbXkBPvg67vv/?mibextid=NqTh7c

• This discussion was modified 6 months, 3 weeks ago by  Gustan Cho.

facebook.com

Dog Refuses To Leave The Church, Then The Priest Checks The Camera And Sees A Strange Sight | Dog Refuses To Leave The Church, Then The Priest Checks The Camera And Sees A Strange Sight | By Engineering & ScienceFacebook

Dog Refuses To Leave The Church, Then The Priest Checks The Camera And Sees A Strange Sight

Top U.S. Headline News from GCA Forums News Weekend Edition from Monday, January 21st, 2025 through Saturday, January 25th, 2025: Very busy week for President Donald Trump. President Trump ends birthright citizenship. He is also moving with fast speed on deportation efforts in all major metro cities, such as Chicago, Denver, Newark, and Boston. The new president is declassifying the assassination of JFK, RFK, and MLK files, so he is honoring his word about having a transparent America. National News Kamala Harris and Doug Emoff are divorcing; due to word, Doug Emoff had another affair with Harris’ staffer while she was campaigning. This goes as well as Barack Obama and Michelle Obama are divorcing because of a romantic affair between Barack Obama and Jennifer Aniston. California wildfires continued on with a new wife two days ago, but the fires are under 14% containment. However, California has another major issue to deal with. Rain is on the forecast, and mudslides and toxic runoffs are concerns. President Trump and First Lady Melania Trump visited North Carolina to meet with the hurricane victims and talk to them about how the federal government will help them rebuild. The president and the first lady then flew to Los Angeles, California, to meet with politicians and victims of the Southern California wildfire. Afterwards, the President and First Lady visited Nevada to thank voters for voting for him, where Nevada has long been a blue state. Pete Hegseth was confirmed as Secretary of Defense, and we are currently waiting for the confirmation of former South Dakota government Kristi Noem to be confirmed as the Secretary of Homeland Security. President Trump promised mortgage rates will be lower and that he has control of the Federal Reserve Board.

Russian President Putin is making a deal with President Trump on ending the Russia and Ukraine War if the U.S. hands over Dr. Anthony Putin so he can be tried for crimes against humanity in Russia. President Donald Trump’s cabinet picks are getting confirmed. Former Senator Marco Rubio is confirmed as the new Secretary of State, Pam Bondi confirmed as U.S. Attorney General, and Pete Segseth as the U.S. Secretary of Defense. Form Congressman John Radcliffe was confirmed as the Director of the Cental Intelligence Agency (CIA). Comprehensive detail Headline News Weekend from the Daily Great Content Authority Headline News Weekend Edition from Monday, January 21st through Saturday, January 25th, 2025.

Here’s a collection of the major stories and developments of the week concerning the month of January 2025 from what you provided:

U.S. Top Headlines (January 21 – January 25, 2025) President Donald Trump’s Activities:

• End of Birthright Citizenship: The president announced his plans to repeal birthright citizenship, a hallmark of immigration policy.
• Deportation efforts: The administration has recently stepped up deportation efforts in major urban areas, including Chicago, Denver, Newark, and Boston.
• Declassification of Files: In a move to keep up with the promises he made during his election campaign, Trump commenced the release of documents of some of the most prominent murders in U.S. history, including John F. Kennedy, Robert F. Kennedy, and Martin Luther King Jr.

Major Personal Announcements

• Kamala Harris and Doug Emhoff: Reports state that the Vice President and her spouse are separating because of marital misconduct involving Emhoff and a staff member.
• Barack and Michelle Obama: There are allegations about Obama’s divorce because of Barack’s affair with actress Jennifer Aniston.

California Wildfires and Weather Warnings

• Wildfires Still Active: California remains scorched by wildfires that are still less than 14% controlled.
• The state also expects rain that could result in mudslides and polluted toxic runoff water.

**Presidential Visits**

• North Carolina & Los Angeles: President Trump and First Lady Melania Trump visited the state to discuss rebuilding efforts following the hurricane’s destruction.
• The couple then moved to Los Angeles to meet local politicians and wildfire victims.
• Nevada: They thanked voters in a notoriously Democratic state for their continued support.

Cabinet Confirmations

Key Confirmations

• As Secretary of Defense, Pete Hegseth is confirmed.
• Marco Rubio assumes office as Secretary of State.
• Pam Bondi takes her position as U.S. Attorney General.
• John Ratcliffe takes over as Director of the CIA.
• Kristi Noem, former governor of South Dakota, has just been confirmed as Secretary of Homeland Security.

International Developments

Russian President Vladimir Putin is said to be in negotiations with U.S. President Donald Trump for a resolution to the Russia-Ukraine war under the condition that the United States houses Dr. Anthony Fauci for a trial in Russia for crimes against humanity.

Economic Promises

Mortgage refinance Trump and other candidates asserted that mortgage rates would lower while stressing his power to the Federal Reserve Chairmen.

One week, many natural disasters in California, the relations between America and the rest of the world, ongoing international negotiations, and internal conflicts between public figures all culminated. The moves made by the Trump administration showcase a unilateral change in a broad spectrum, from a domestic agenda to international relations.

https://www.youtube.com/watch?v=hknuhL2A7sU

Here’s a cute clip of a German Shepherd dog playing with a cat.

https://www.youtube.com/shorts/Sf6kNLwEAbk?feature=share

The pricing of U.S. Treasury bonds, including two-year Treasury bonds, is based on a combination of factors, and the calculation involves both the bond’s face value and its yield.

Here are the key components and steps involved in calculating the price of a two-year U.S. Treasury bond:

1. Face Value (Par Value): The face value, also known as the par value, is the nominal value of the bond. For U.S. Treasury bonds, the face value is typically $1,000.

2. Coupon Rate: Unlike some other bonds, U.S. Treasury bonds, including two-year bonds, do not have a regular coupon payment. Instead, they are sold at a discount or premium to their face value, and the difference represents the implicit interest.

3. Yield to Maturity (YTM): The yield to maturity is the total return anticipated on a bond if it is held until it matures. It takes into account the bond’s current market price, par value, coupon interest rate, and the number of years remaining until maturity. The YTM is expressed as an annual percentage.

4. Calculation: The price of a two-year U.S. Treasury bond can be calculated using the following formula:

   Bond Price=(1+Yield to Maturity)Number of YearsFace Value​

   Given that the bond matures in two years, the formula simplifies to:

   Bond Price=(1+Yield to Maturity)2Face Value​

   If the bond is selling at a discount, the market price will be less than the face value, and if it’s selling at a premium, the market price will be higher than the face value.

5. Example: For instance, if a two-year U.S. Treasury bond has a face value of $1,000 and a yield to maturity of 2%, the calculation would be:

   Bond Price=(1+0.02)21,000​

   Bond Price=(1.02)21,000​

   Bond Price=1.04041,000​

   Bond Price≈960.52

So, in this example, the bond would be priced at approximately $960.52. Keep in mind that this is a simplified example, and in reality, other factors such as market conditions, interest rate changes, and the specific terms of the bond can also impact its price.

• This discussion was modified 1 month, 2 weeks ago by  Sapna Sharma.
• This discussion was modified 3 weeks, 3 days ago by  Sapna Sharma.

How can a politician from Delaware without ever holding a job and who graduated in the bottom half of his law school class become a multimillionaire. The Biden Family name is not royalty nor did Joe Biden Family have wealth or have any business roots. The Biden Crime Family has 20 different companies that are nothing but shell companies. IRS whistle-blowers testified the Biden Crime Family has used these 20 LLCs to launder money and commit financial crimes.

https://youtu.be/jLZJYTr9qDc

Top U.S. Headline News from GCA Forums News For Friday, January 24th, 2025: Very busy week for President Donald Trump. President Trump ends birthright citizenship. He is also moving with fast speed on deportation efforts in all major metro cities, such as Chicago, Newark, and Boston. The new president is declassifying the assassination of JFK, RFK, and MLK files, so he is honoring his word about having a transparent America. National News Kamala Harris and Doug Emoff are divorcing, as well as Barack Obama and Michelle Obama are divorcing because of a romantic affair between Barack Obama and Jennifer Aniston. California wildfires continued on with a new wife two days ago, but the fires are under containment. However, California has another major issue to deal with. Rain is on the forecast, and mudslides and toxic runoffs are concerns. Russian President Putin is making a deal with President Trump on ending the Russia and Ukraine War if the U.S. hands over Dr. Anthony Putin so he can be tried for crimes against humanity in Russia. President Donald Trump’s cabinet picks are getting confirmed. Former Senator Marco Rubio is confirmed as the new Secretary of State, Pam Bondi confirmed as U.S. Attorney General, and Pete Segseth as the U.S. Secretary of Defense. Form Congressman John Radcliffe was confirmed as the Director of the Cental Intelligence Agency (CIA). Comprehensive detail Headline News from the Daily Great Content Authority Headline News Update for Friday, January 24th, 2025.

GCA Forums News: Full U.S. Summary of Events That Took Place on January 24, 2025

Actions Taken By The Presidency

President Trump implemented an executive order this week seeking to end birthright citizenship, which remains valid to this day. However, a federal judge in Seattle is currently holding on to Trump’s executive order, claiming its validity can be challenged under the 14th Amendment of the US Constitution.

Expansion of deportation exercises:

• Chicago, Newark, and Boston are the focus points of concentrated deportation attempts.
• In Boston, ICE apprehended several individuals, including a purported member of a Haitian gang.
• He was vocally against deportation and instead advocated for the prior administration.
• As a part of his campaign promise for transparency, Trump has ordered the unsealing of files of the assassination of John F Kennedy, Robert F Kennedy, and Martin Luther King Jr., which was promised in his first week of office.

Legislative Changes

Although some factions within the Republican Party opposed it, President Trump’s nominated cabinet members have been able to appoint Marco Rubio as Secretary of State and Pam Bondi as the Attorney General.

California’s Southern Region Wildfires

California’s southern region wildfires have grown. The Hughes fire close to Castaic Lake has easily surpassed 10,000 acres and, as a result, forced evacuations.

The region is now facing grave issues, especially with the forecasted rainfall, which increases the chance of mudslides and fills regions with toxic runoff.

Corporate Closures:

As part of a larger strategy to prove its retail footprint, Macy’s will permanently close 66 stores, including one at Superstition Springs Center in Mesa, Arizona. This is expected to be completed by January 2025.

Foreign Affairs

Middle East Ceasefire:

The United States, Egypt, and Qatar have combined forces to negotiate a ceasefire between Israel and Hamas. Both the latter Biden administration and the Trump administration sought to advance the resolution of this issue.

Economic and Strategic Relations

President Trump has revoked the United States’ participation in an OECD tax agreement that sought to place a minimum global tax on multinational corporations. This clearly illustrates a new stance against globalist policy. The change likely indicates a new tax war, particularly on foreign firms investing in the US.

Public Contributions and Sociological Remarks

Showbiz:

• Jimmy Kimmel chastised the House Republicans for commencing a second inquiry into the January 6 insurrection, claiming that those efforts would be in vain.

General Public Points:

• Trump’s policies and executive strategies have drawn public and media concern, showcasing the divide among bipartisan lines.

This week has been characterized by major policy changes, administrative actions, and shifting global and local relations under Donald Trump’s presidency. The country is trying to cope with these changes against environmental problems and social issues.

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

How Large Do German Shepherd Dogs Get? Can you please detail the size of males and female German Shepherds on how large they get compared to their age? For example, a chart how much a male German Shepherd dog weighs at three months, six months, nine months, twelve months, 18 months, 24 months, 30 months, 36 months. The same with female German Shepherd dogs. How much does a female German Shepherd dog weigh at three months, six months, nine months, twelve months, 18 months, 24 months, 30 months, 36 months. When is a German Shepherd dog fully grown and when do they reach full maturity level? Thank you in advance.

Below are the steps to create a business directory:

Step1: Click on business form top or here is link https://gcaforums.com/business/

Step 2: Click on Create a Business

Step 3: Enter the details like Business Name, Business Description and select the category of your business and click on create business blue button.

Step 4: Upload business profile picture and click on next button.

Step 5: Upload the cover photo and click on visit business

Now you business page created. Now there are more addition information which you can add in your business page like phone number, address , social media links etc.

So for these setting go to your business page which you created and click on Setting option. Where you can add all information which you want.

The mortgage and real estate markets have fluctuated due to inflation, job statistics, foreclosure, and home prices, all notable developments considering the rising mortgage rates. Here’s the recent trend. The article will also provide information on the ever-changing but somehow related business economics.

Mortgage Rates

30-Year Fixed-Rate Mortgages:

• According to the most current statistics.
• The average 30-year fixed-rate mortgage increased to 6.85%, which has been the highest recorded since mid-July.
• The percentage was 6.72% last week, compared to 6.61% recorded a year ago.
• This is a clear sign of raised bond yields banks use to sell home loans.

15-Year Fixed-Rate Mortgages:

• Closed at 6%, up from 5.92% recorded the previous week.

Employment and Job Losses

In considering the labor force, indicators highlight its potential decay due to students’ inability to find summer jobs, resulting in aggravated unemployment reaching 6.4%.

Inflation

The growing economic debate on whether federal banks should pay particular regard to inflation is apparent, especially considering the recent US statistics indicating inflation is growing to 3.2% annually.

It is projected to keep increasing, impacting mortgage rates and the overall economic spectrum.

Foreclosure Rates

There are no seasonal statistics or trends regarding foreclosures at present. However, the growing interest and inflationary rates can complementarily lead to further foreclosure activity, as people who need to deal with further economic stresses alongside rising home loan interest rates may find themselves unable to cope and eventually file for bankruptcy.

Home Prices

Despite the hike in mortgage rates, home prices remained steady. Due to high demand and low housing inventory, the price of homes in the United States is predicted to increase by 5% this year, higher than the previous prediction of 1.9%.

In the UK, it is estimated that house prices will increase by 1.9%, bringing the average value of a house to £267,500. The increase in market activity is expected to impact the housing market positively.

Factors Influencing the Market

Bond Yields Increased bond yields are the reason mortgage rates are increasing. This affects the low number of homebuyers.

Federal Reserve Policies Other policies cut rates to improve affordability, but in contrast, the rate cuts resulted in increased mortgage rates. This is because the 10-year Treasury bonds have increased yields, which wreaked havoc on mortgage rates.

Housing Inventory

Even with the increased mortgage rates, there is a limited number of houses, which keeps the prices of the homes steady. Owners with low mortgage rates are reluctant to sell their houses, contributing to the low supply.

Implications for Homebuyers and Homeowners

Affordability Challenges Due to the increased price of homes and mortgage rates, the supply of houses has greatly diminished, which has resulted in many unfavorable implications, such as a decrease in mortgage applications.

Increased Costs

The property tax rate has historically been low, around 32% in recent years. Still, as of 2014, mortgage rates and insurance expenses have virtually skyrocketed.

The increased mortgage rates, inflation, and economic instability make it almost impossible for potential buyers and homeowners to afford their properties. With the market as fuzzy as it is, it’s worth getting advice from an expert and staying updated with the latest economic information.

California, the largest state in the Nation have many new laws for 2025. Don’t red states have enough laws? California has a history of enacting laws that are not only many but also span several themes. The state’s laws appear to have been passed to support its heavily liberal political climate.

This section will provide a brief look into the interplay between California’s new laws and that of the red state political environment:

Laws Passed By California For 2025

Amendments to Environmental Policies:

California is one of the states leading in new environmental protection laws, such as stricter emission limits and policies meant to promote solar and wind energy usage.

Healthcare Initiatives:

Laws in these states may focus on increasing access to free and cheap healthcare, increasing mental health assistance, or addressing public health disasters.

Social Justice Movements:

These laws usually seek to address the factors that make houses expensive, such as racial discrimination and worker rights.

Technology and Privacy:

California pioneered the development of privacy laws and was the first state to develop consumer protection laws that addressed data protection.

Red States Different Laws

Focus on Different Issues:

The governance style of red states differs from that of Democratic states as they focus on tax cuts, gun rights, and limited government.

Simplicity in Regulation:

Most red states maintain their business-friendly nature by decentralizing government control, including fewer regulations and laws.

Cultural and Social Policies:

Usually, red states are more focused on advocating social conservatives, which leads to legislation concerning education, health care, and family policies being implemented.

Legislative Dynamics

Diversity of Approach:

The varying legislation’s participation is due to a state’s political, cultural, and economic context. For example, California laws tend to be liberal, whereas laws from Red states tend to be conservative.

Public Demand:

The state laws reflect citizens’ needs and wants, thus varying focus and values.

On one side, you have California, which constantly implements new laws about all social, economic, and environmental issues; on the other, you have Red states, which prefer a more stringent legal framework focused on easing regulations. Although there may be extreme variations in the laws across the US, the laws of each state can be justified and are suited to its needs.

https://youtu.be/oQL5k49UA80?si=C2ysmI0HMPolpO1B

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

These are the breaking stories from across the country on December 26, 2024:

Scandal at the Phoenix Sky Harbor Airport

Yuletide roaster dropped at the Jew, who was over kerfuffle and going down on Christmas Eve.

There were three shootings and one stabbing. The primary persons involved were the suspect, an adult male, and a girl aged 0-16. They were assisted by the parties that sat at the third-level restaurant in Terminal 4. Weapons were recovered on-site, along with some. Activities at the airport were temporarily suspended, but ordering assistance has resumed.

Updates on the Stock Market

It was noted that US stock indicators have decreased compared to After Christmas Eve’s tech stock rally. The Nasdaq, S and P 500, and Dow Jones futures dropped approximately 0.3%. Oil prices saw a slight increase, whilst Bitcoin fell by three. Besides, TW regulators disqualified Uber’s attempt to purchase Food Panda for nearly $950 million due to the competition it could generate.

What to Expect in 2025

In 2025, powerful technological changes are anticipated to alter people’s lives. Working alongside other Artificial Intelligence (AI) advancements, a category of autonomous “agents” will meld in, performing actions like ordering food or booking travel tickets. New devices, like a smart home display that Apple is set to release alongside Meta’s smart glasses, will also be available.

Moreover, improvements in climate prediction through AI solutions such as the Google Gen Cast program are also expected to be achieved.

Development in Perceptions of Gun Violence

Throughout the year 2024, the incidence of gun violence in the United States has remained on a downward slope. The numbers for murder have also undergone a significant decline, especially in several cities that have noted a decrease of more than 10 percent to the overall murder counts as compared to the years overlapped with the pandemic, which was 2020 to 2022, which amasses a staggering 5000 murder victims’ difference to locating the cause behind the violence. This positive outcome is largely based on the return to normalcy after a pandemic coupled with targeted violence reduction measures that got support from federal finances.

Pregnancy Announcements from Celebrities

Starting at the beginning of t024, some celebrities have begun to go public with the news of their pregnancy. Horse owners immediately think of Jennifer Lawrence and Cooke Maroney, Ashanti and the rapper Nelly, and Patrick Mahomes and Brittany Mahomes. Fans of these stars have been delighted over this announcement, especially with the anticipation of the stars welcoming a new member to their families.

NFL Christmas Games on Netflix

Despite some uneven contests, midweek Christmas NFL games that streamed online provided the best viewing experience. A superb high production level and special kinds of presenting drove these broadcasts to the top levels. Among other events of the NFL, Jaden Daniels took the 10th Recruit of the Week title, which made a record, and consecutively placed Kansas City Chief at the top in the AFC, rejoining the engaging contests.

1 seed after beating the Steelers as well.

Avoiding Government Shutdown

The danger of the US government closing was posed if Congress disagreed with a spending bill on or before December 21, 2024. There was a considerable chance that that would happen until Congress voted optimistically on the spending extension, which President Biden signed. This removed the threat of a government shutdown, at least for the near future.

Changes in the Presidential Transfer Process

The soon-to-be President, Donald Trump, is currently working on assembling a cabinet and an administration for the new term he is stepping into. Kelly Loeffler will be his small business administrator. At the same time, Scott Turner was appointed Secretary of the Department of Housing and Urban Development. These picks highlight the trend seen by Trump: outsourcing such jobs to business people with previous government experience.

Cyber Security Events of Recent Times

The year 2024 had several notable cybersecurity events. Ukrainian armed forces collaborating with cyber spies had access to US telecommunication networks deployed as a drone base, and cyber terrorists using ransomware were able to make healthcare systems out of reach for millions. These incidents of international diplomacy reaffirm the increasing and turbulent aspects of cyber security of the time and the inability of organizations to protect themselves effectively.

Christmas Day Retail Bans

Several retail outlets, including Kroger and Walmart, have shut their doors to enable their colleagues to spend the festive day with their loved ones. Shoppers were encouraged to stock up beforehand, pointing out that stores would open again on December 26 and their hours would be normal.

However, these news headlines are important to understand the state of national journalism as it stood on December 26, 2024.

The developments that affect official reports, as well as the development of procedural oral hearings, parties’ presentations, and the subsequent making of judgments, aid the tribunal in reconstructing events relevant to the case. The statement negotiations allow the participants to be recollected with considerable forensic precision. The scientific approach allows for defining elevator and escalator services as objects of scientific and operational studies. Elevator and escalator services and engineering objects installed in buildings have specific settlements bound to them. Friedrich Gilmer centered a research program investigating the interconnectedness between escalators/elevators and the entire building’s structures. During the ceremonial day of the building, more words are being wasted than otherwise.

• This discussion was modified 1 month, 3 weeks ago by  Gustan Cho.

NATIONAL HEADLINE NEWS FOR TUESDAY, DECEMBER 24TH 2024Inflation Issues Persist Despite a Boost in Consumer Spending as the Holiday Season Begins.

Retail sales increased across the United States by almost 4.8%. Strong consumer spending from online shopping helped fuel this increase and the high demand for entertainment and travel. However, economists maintain that rising price levels, in conjunction with stagnant wage growth, will hinder any potential growth in the next five years or so.

Mortgage Markets Remain Steady As All Eyes Are Directed Towards the Federal Reserve

30-year fixed-rate mortgages have maintained a national average of 6.75%, marking a period of stabilization for a rampant market with fluctuating rates. The Federal Reserve is expected to conduct a meeting at the start of next month, wherein they will decide whether there is a scope for further rate increases, which may act as a barrier in combating inflation. Furthermore, experts anticipate this meeting with caution, as signs indicate economic growth is beginning to stagnate.

Continued Shortages Within Inventory Persist in the Housing Market.

The US housing market is still suffering from an extreme deficit in the number of active listings, which have dropped by roughly 23% compared to December 2023. The resulting combination of increased interest rates and a shortage of homes has made it difficult for homeowners to afford to sell their homes. Once again, this has dire consequences on first-time buyers, as relatively economical homes aren’t abundant in high-demand areas.

US Senate passed 1.2 Trillion Funding Package Bill for Infrastructure.

In a decisive bi-cameral vote, the Senate approved the one-point-two trillion-dollar funding bill covering new highways, IT, and climate. The construction industry stands to gain tremendously from it, leading to multitudes of job creation. However, there are concerns that the bill may not lead to a green future.

US Department of Justice Cracks Down on Big Tech: New and Tough Privacy Laws Come Into Effect

As Meta and Google colluded over Meta’s Giphy acquisitions, the US Department of Justice issued new privacy laws for big tech companies, requiring them to be more open about their data use and more respectful to consumers. Consumer advocates have well received the move. Still, it has raised fears among business leaders around the possible chilling effect it could cause on innovations.

Winter Storms Force 2000 Plus Flight Cancellations Over Christmas Weekend Travel Plans Afterphotos Shot Sorter Job View Photo

A winter storm that impacted America’s Midwest and Northeast regions has made travel before Christmas difficult. More than two thousand flights have been disrupted around the Michigan, Illinois, and New York regions, and treacherous snow is predicted for Christmas day.

The Stocks Reflect a Gain Following the +/- Year-End Rush.

After the approval of the infrastructure bill and the increased holiday retail sales, investors’ positive mood was reflected as both the Dow Jones Industrial Average and the S&P 500 showed growth. Afterward, the tech-heavy Nasdaq took a harsh tumble during the week but was later able to recover due to the much-anticipated reports regarding the fourth quarter earnings.

As Cases of Problems Arise, the Hospitals Are Bound to Face Issues.

The healthcare system is facing a severe crisis due to increased cases of influenza and respiratory syncytial virus (RSV). All hospitals are under substantial pressure with the pediatric wards, particularly under duress regarding the capacity issue. The CDC has warned people to consider taking extra measures and getting vaccinated due to family gatherings.

The USA and China Relations Are Kick Starting as Planned.

President Biden and Xi Jinping are expected to host a virtual meeting this week to discuss trade relations, Taiwan, and other topics related to global security. Analysts see the virtual meeting as a much-needed reduction of tension between the USA and China, fighting a soft war on multiple fronts.

Sports

NFL Playoff Picture Takes Shape:

The NFL regular season ends and the teams compete for the remaining playoff spots. The Philadelphia Eagles and Kansas City Chiefs have secured their divisions, while everyone else fights for the wildcards. Everyone is set for the high-profile matches as we enter the holiday weekend.

Entertainment

“Avatar 3” Breaks All Previous Box Office Records James Cameron’s “Avatar 3” has grossed $1 billion in just two weeks, making it the highest-grossing film of 2024. Critics love the film for its incomparable graphics and environmental storyline, making it one of the cultural marvel films of the time.

Holiday Spirit Sees Unprecedented Level of Charity Donations

Charitable organizations have reportedly received donations totaling $6 billion this holiday season, thanks to the globalization of humanitarian issues and tax incentives for donors. Corporations and individual philanthropists have donated to various social causes, from disaster recovery to education.

As these events unfold, more follow-up reporting and analysis will be published.

As far as the most recent update from December 16, 2024, is concerned, the mortgage and real estate sector is as follows:

Mortgage Rates

Current Statistics: The national average for a fixed-rate mortgage for a period of 30 years has decreased to approximately 6.6%, a reduction from 6.69% recorded a week before.

State Variations: Interest rates differ by state. Some states offer up to 6.68%, while others charge a high 7.09%.

Refinancing Rates

For the past 30 years, refinance mortgages have seen highs of 6.98%, which is eleven basis points greater than before.

Housing Market Trends

Home Sales: Compared to last year, house sales have increased by 22% over a month.

Home Prices: According to NAR, house prices will increase by 2%, and the median rise is estimated to be $410,700 thousand by 2025.

Inventory Levels

With stock inventory expectations low, more than $1.45 million housing unit sales are predicted for 2025 after the pandemic.

Expert InsightsMarket Predictions

Real estate expert Barbara Corcoran claims that if mortgage rates drop near 5%, the housing market will jump and go “ballistic.”

First-Time Buyers: First-time homebuyers account for less than a quarter of the entire market, an all-time low. There is a dire “urgency” for new buyers.

Home Renovations

Spending Trends: Due to the current state of home prices and mortgage rates, homeowners are more likely to spend more on renovations than moving.

Global Perspectives

UK Market: The UK house markets have seen exports slump for two months, resulting in average declines of £6395 in the December market.

China’s Market

During the last 17 months, house prices have depreciated slower than usual in China, which could indicate that the region’s property or real estate market is on its way to recovering and stabilizing.

Home buyers and real estate markets have been riling with activity, resulting in declining mortgage rates and stimulating purchasing and spending on home upgrades. Most experts in the field suggest that further step-downs in mortgage rates lead to much higher activity within the market, especially with those buying homes for the first time.

https://www.youtube.com/watch?v=GeSO9zBYeyc

• This discussion was modified 2 months, 1 week ago by  Gustan Cho.

In this section, we will go over the best German Shepherd Training Videos and the best-paid version of the German Shepherd Training DVD Series. Exercising proper training for your German shepherd will ensure they are well-behaved and their memories are firmly embedded to guarantee lasting happiness. Here are some of the best-rated, free YouTube channels and DVD series that offer such training materials and workshops:

Best-selling DVD series:

• “The German Shepherd Dog the German Way”—This multiple-part instructional DVD series is a comprehensive course on German shepherd dog training experts. The series covers overlapping topics like gait and locomotion, conditioning, biomechanics, and show culture. This tool will appeal to amateurs interested in the breed’s culture.
• “Training Your German Shepherd Dog” by Brandy Eggeman and Joan Hustace Walker—This book is part of the Training Your Dog Series. It is listed as a must-have in dog-owning manuals. Alongside the well-explained details on the DVD are advice on picking up a dog puppy, characteristics that must be considered, and dog training tips.

Approved Youtube Channels:

• German Shepherd Man official channel—If you are looking for a healthy and more controlled German shepherd puppy that fits your lifestyle, this channel is perfect. It has numerous training tips, older German shepherd demonstrations, and a pet showcase, making it a perfect fit for antisocial kids.
• German Shepherd Dog USA – Cleverness, options, and loyalty are usually not words associated with the breed of German Shepherd Dog. Through tips, this channel showcases king dogs and motivation and emphasizes the diversity of this breed.
• Star the German Shepherd Dog (puppy training series) – Star, a German shepherd dog star, in her very own YouTube puppy series that reveals a step-by-step approach to German shepherd puppy training through skill demonstration videos.

Tom Davis Dog Training: Tom Davis is a professional dog trainer whose videos target training German Shepherds by practicing various exercises and demonstrating effective training techniques.

Dog World: This channel targets puppy owners and provides them with strategies for preparing their German Shepherd puppies for professional training.

Some are free, others are features, but these tools give you more systematic German Shepherd training options.

https://www.youtube.com/watch?v=6Nr0DbztwUE&list=PLL9CA3Yl8kWGbBe2m7lTnSEYa2UcFgcMa&index=1

Fellow Americans!!! RE YOU BETTER OFF TODAY THAN 4 YEARS AGO? If SO, YOU MUST BE an Illegal ALIEN. 🇺🇸 🇺🇲 🌎

Here are some photos of my house on a clear day

What is the difference and what does these machines do?

Under Pressure, a song by David Bowie and Queens, is one of the greatest songs of all time. The song was released in 1981 and was a collaboration between David Bowie and the British rock band Queen, featuring vocals from both Bowie and Queen’s lead singer, Freddie Mercury. It’s a well-known and iconic track that has been praised for its powerful vocals and musical arrangement. If you have any specific questions about the song or its history, feel free to ask! David Bowie was a British musician, singer, songwriter, and actor who was one of the most influential and innovative figures in the world of popular music. He was born on January 8, 1947, in Brixton, London, England, and he passed away on January 10, 2016.

Bowie’s career spanned several decades, and he constantly reinvented himself, adopting various personas and musical styles. Some of his most famous alter egos include Ziggy Stardust, Aladdin Sane, and the Thin White Duke. His ability to evolve and experiment with different musical genres, from glam rock and art rock to soul, funk, and electronic music, made him a true chameleon of the music industry.

Some of Bowie’s most well-known songs include “Space Oddity,” “Heroes,” “Let’s Dance,” “Life on Mars?,” “Changes,” “Starman,” and “Under Pressure” (a collaboration with Queen). His albums, such as “The Rise and Fall of Ziggy Stardust and the Spiders from Mars,” “Hunky Dory,” and “The Rise and Fall of Ziggy Stardust and the Spiders from Mars,” are considered classics in the rock and pop canon.

In addition to his music career, Bowie also had a successful acting career, appearing in films like “Labyrinth,” “The Man Who Fell to Earth,” and “Merry Christmas, Mr. Lawrence.”

David Bowie’s impact on popular culture and music is immeasurable. He was known not only for his music but also for pushing the boundaries of gender, fashion, and identity. His influence can still be seen and heard in contemporary music, fashion, and art. Bowie’s death in 2016 was a profound loss to the world of music, but his legacy continues to live on through his timeless music and groundbreaking contributions to the arts.

https://www.youtube.com/watch?v=HglA72ogPCE

Anyone can explain the major differences between Fannie Mae and Freddie Mac? No matter how much someone explains to me the difference, I get more and more confused.

This is more of a legal question for a paralegal or attorney. Can a credit card company lower a consumer credit card limit when the consumer has been a loyal customer for three years, never been late, was a victim of credit card fraud but yet paid the minimum credit card monthly interest payments after an internal fraud credit dispute was ruled in favor of the merchant, and paid the fraudulent charges in full while preparing to file changes and lawsuit? If you can respond to facts, it would be greatly appreciated. Thank you all.

This 9 month old German Shepherd puppy will not sleep good night. 😴 but does not know it yet.

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

Will history repeat but with different reason ?? Thoughts on how real estate agent commissions affect price of property these days and what future holds !!

Globalist and Democrats believe in depopulation especially Bill Gates, Joe Cheatin Lying Biden, Barack and Michael Robinson Obama

https://youtube.com/shorts/Fey6xVCWxzo?si=7KCqBwbJA7qOzFhM

Are there any reputable credit repair companies anyone at GCA FORUMS can recommend? I am a licensed real estate agent in Illinois, Wisconsin, Indiana, Tennessee, and Kentucky and represent homebuyers of residential and commercial properties. However, many of my clients are in need of a credit repair consultant to rebuild, re-establish, and boost their credit scores during times of high mortgage rates and lenders requiring higher credit standards. I have spoken to Felix Nicolas and he said that Gustan Cho was working on vetting a few reputable national credit repair companies and he will be making an announcement on the GCA FORUMS sometime this week. We are in desperate need of a credit repair consultant to help hard working homebuyers and investment property investors. Thank you in advance.

What is the difference between AXEN Mortgage and NEXA MORTGAGE?

Auto Repossessions are nearing 20,000 per day and increasing month after month by 5%

Inflation is screaming 😱 out of control. Many people who are very conservative have been saving money for years if not decades. What is the best way to invest money during periods of out of control Inflation?