[Bruce]

Dating scammers exposed: Beth Hyland reveals the victims they target most, how online dating scams manipulate the brain, and why romance scam victims often ignore red flags.

In this powerful Dating to Win interview, romance scam survivor and advocate Beth Hyland explains how dating scammers build fake emotional trust, use love bombing, create urgency, and manipulate victims into sending money before they realize the relationship was never real.

This conversation goes beyond the usual “how could someone fall for that?” reaction. Beth explains why victim blaming is so damaging, how scammers psychologically condition people, and why intelligent, caring people can become trapped in fake online relationships.

We also discuss online dating scams, romance scams, Yahoo Boys, pig butchering scams, organized scam networks, police response, reporting, and the biggest red flags people should never ignore.

If you or someone you love is questioning an online relationship, this episode may help you recognize the warning signs before more damage is done.

This video covers dating scammers, online dating scams, romance scams, romance scam survivor stories, pig butchering scams, Yahoo Boys, dating app scams, love bombing, emotional manipulation, scam awareness, online fraud, fake online relationships, and romance scam red flags.

If this interview helped you understand how dating scammers operate, watch the previous episodes in this romance scam series:

She Was Scammed Out of $500,000 in an Online Dating Scam • I Lost Half a Million …

How Romance Scams Really Work — And Why So Many People Fall For Them

• Millions Lost to Roman… ​

These videos go deeper into online dating scams, romance scams, emotional manipulation, fake online relationships, and the warning signs people often miss before getting scammed.

These resources are provided for educational purposes and to help victims or loved ones find support, guidance, and reporting information

This video covers dating scammers exposed, dating scammers, online dating scams, romance scams, romance scam survivor stories, dating scam victims, victims scammers target, dating app scams, fake online relationships, how romance scams work, pig butchering scams, Yahoo Boys, love bombing scams, emotional manipulation, scammer manipulation, online fraud, scam awareness, romance scam red flags, catfish scams, cybercrime victim support,

https://youtu.be/ggM3yzTubMk?si=LrF519rnw1nI6GNu

• This reply was modified 2 weeks, 1 day ago by  Bruce.
• This reply was modified 2 weeks ago by  Sapna Sharma.

[Bruce]

Chris Cuomo begins with a deep dive into the tremendous growth corporate America has made, of late, and how rank-and-file employees are not seeing that success trickle down to them. Then, Cuomo pivots to President Trump’s high-stakes trip to China. What’s on the agenda? Will Trump get China to help permanently reopen the Strait Of Hormuz? Rep. Greg Stanton, an Arizona Democratic Congressman and member of the House Select Committee on the Chinese Communist Party, and Gordon Chang, author of “Plan Red: China’s Project to Destroy America,” join “CUOMO” to discuss.About 99.9% of American businesses are small businesses. Yet, only one in four small business owners say the economy is in “good health” while more than half rank inflation as their top concern. Despite the numbers, President Trump continues to say America’s experiencing the “hottest” economy around. Why the disconnect? Kelly Loeffler, Trump’s head of the Small Business Administration, makes her case.On Wednesday, South Carolina’s Supreme Court tossed the double murder convictions of Alex Murdaugh and ordered a new trial. Why did they reject the prior verdict, which found the scion of one of the state’s most important legal dynasties guilty of killing his wife Maggie and 22-year-old son Paul? Much of the decision rested on a court clerk who reportedly tried to sway the jury. Attorney Eric Bland, who represented six of the first case’s jurors and the family of Murdaugh’s housekeeper who died at Murdaugh’s home, gives his take and relays the reaction of his clients.

https://youtu.be/Az8ixCReOPI?si=8Xiop9VlK6ouyGkW

• This reply was modified 2 weeks ago by  Sapna Sharma.

[Bruce]

Senator Amy Klobuchar absolutely dismantles Kash Patel in one of the most intense Senate hearings yet — using nothing but his own recorded statements.

From election denial claims to January 6th comments, vaccine misinformation, and conspiracy theories, Klobuchar comes armed with dates, sources, and receipts — while Patel repeatedly responds,

“I don’t have that in front of me.”

This viral moment shows exactly what happens when facts meet accountability.

In this breakdown, we cover:

The viral Senate exchange everyone is talking about

Patel’s past statements on elections, media, and the FBI

Why this hearing is blowing up across YouTube and social media

The bigger implications for government transparency and leadership

This is more than a hearing — it’s a masterclass in questioning and accountability.

Watch till the end to see the moment Patel runs out of answers.

Amy Klobuchar destroys Kash Patel, Klobuchar Patel hearing, Kash Patel hearing today, Senate hearing viral, FBI director hearing Patel, Klobuchar vs Patel, political hearing highlights, January 6 hearing Patel, election claims Patel, US politics news 2026, viral senate moments, political debate viral, breaking political news, congressional hearing clips, accountability in politics, government hearing highlights.

https://youtu.be/MtW4SHBPOxA?si=Z5xlBOXuS9x4wiW5

• This reply was modified 2 weeks, 1 day ago by  Bruce.
• This reply was modified 2 weeks ago by  Sapna Sharma.

[Bruce]

Kash Patel just had the worst hearing of his life. FBI Director Cash Patel accused United States Senator Chris Van Hollen of drinking margaritas with gang members. Started screaming about seven thousand dollar bar tabs. Challenged him to take an alcohol test live on camera. And then when Van Hollen asked one simple question do you know it is a crime to lie to Congress Kash Patel refused to answer.

Van Hollen told him directly you made provably false statements. The margaritas story is an urban legend in right wing media. It has been debunked. And Kash said it anyway under oath as the FBI Director while defending himself against allegations that he drinks so much his security detail has difficulty waking him in the morning.

In this video we break down

The full Van Hollen vs Kash Patel clash and every moment Kash lost control and started screaming accusations. Kash Patel INSTANTLY CRUSHED BY SENATE at HEARING!! , FBI Director Kash Patel COMES UNGLUED Under CROSS-EXAM at Hearing Why accusing a senator of drinking with gang members under oath is not just false but potentially perjury. What Carol Leonnig said on MSNBC about watching Kash deny things she personally knows are true. Why Kash refusing to answer whether lying to Congress is a crime tells you everything about whether he just lied to Congress. The polygraph tests he ordered on his security detail that he denied under oath. And why this hearing may have just ended his career the same way Pam and Noem’s hearings ended theirs.

Watch the moment the FBI Director accused a senator of fabricated crimes and then refused to say if perjury is illegal.

https://youtu.be/bMiXi7EqAlM?si=_7iBU0tG_BmBw725

• This reply was modified 2 weeks, 1 day ago by  Bruce.
• This reply was modified 2 weeks, 1 day ago by  Bruce.
• This reply was modified 2 weeks ago by  Sapna Sharma.

[Bruce]

What is the true verified story with FBI DIRECTOR Kash Patel? The media is really having a field day with Patel? Starts with Patel not having any law enforcement experience and never been with the FBI. How about him making a stink about not having a FBI patch on his jacket. Also taking the FBI jet with his girlfriend around the country. Assigning FBI SWAT TEAM to his pretty young rock star girlfriend Alexis Wilkins bodyguarx detail. Patel then went livid when the FBI SWAT TEAM had to abort the bodyguard detail to repond to a real FBI emergency assignment. Seems like the media is insinuating Kash Patel was using the FBI to show off to his girlfriend and her friends. He is being criticized for spending $7,000 var tab with customizing liquor bottles with KA$H the S into dollar sign. How about senior agents finding him passed out drunk. He is also accused of firing senior career agents due to political retribution and ordering polygraph tests on two dozen senior agents. This is not good for the FBI, LAW ENFORCEMENT, PRESIDENT TRUMP, and the United States in general. Kash Patel is being mocked as the laughing stock of not just America BUT a COMPLETE LAUGHING STOCK of the World.

https://youtu.be/jhBh-1HxEVk?si=vQQ_dP1LBp8MDzqu

• This reply was modified 2 weeks, 1 day ago by  Bruce.

[Bruce]

Here’s the Branch NMLS of Gustan Cho Associates

https://www.nmlsconsumeraccess.org/EntityDetails.aspx/Branch/2315275

nmlsconsumeraccess.org

Turing Test

Turing Test

[Bruce]

Here’s THE INDIVIUAL NMLS

https://www.nmlsconsumeraccess.org/EntityDetails.aspx/Individual/873293

[Bruce]

It should not be described as a universal property tax exemption solely because a homeowner maintains beehives. A more accurate explanation is as follows:

Wisconsin: If a landowner primarily uses their property for a qualifying agricultural use, including beekeeping, the land may qualify for agricultural use-value assessment by the Wisconsin Department of Revenue. Wis. Stat. § 70.32 (1d)(1) defines land that is primarily devoted to qualifying agricultural purposes, rather than market use-value. The North American Industry Classification System (NAICS) codes 112 and 111, which cover agriculture, forestry, fishing, and hunting, are included in Wisconsin’s agricultural use definitions. Beekeeping specifically falls under NAICS 112910, which encompasses beekeeping and animal farming.

Illinois: Beekeeping may qualify land for farmland assessment, but it is at the discretion of the county assessors. The rules for assessing farmland value (or farmland valuation) are applied to farmland, and some counties specifically evaluate the farming practice of beekeeping as a qualifying farm use of land. For instance, in Jo Daviess County, beekeeping is considered a farming practice, but only the land used for farming is assessed as farmland. If 51% of the land in question is not actively farmed, then it cannot be classified as farmland.

The statements regarding Wisconsin are generally accurate; however, the range should be revised to “90% to 98%,” and, if possible, a specific county should be referenced. The property tax reduction can be substantial, but the actual benefit depends on several factors, including the assessed land area, the extent of agricultural use, and whether the land is classified as agricultural or residential.

Potential Impact of Beehives on Property Taxes in Wisconsin and Illinois

There is a limited possibility that maintaining beehives on a property could decrease property taxes in Wisconsin or Illinois. However, this does not constitute a guaranteed property tax exemption. In most cases, potential savings result from reclassifying a portion of the land for agricultural use rather than simply owning beehives.

In Wisconsin, beekeeping is classified as an agricultural activity, and land used for this purpose may qualify for agricultural use valuation rather than full market value assessment. The taxable value for agricultural land is often significantly lower than the full market value. However, this benefit generally applies only to the agricultural portion of the property, not to the residence, buildings, driveway, yard, or other residential areas.

Beekeeping may also permit farmland assessment in Illinois, subject to compliance with state and county farmland regulations. County assessors often require evidence that the land is actively used for beekeeping. Typical assessment criteria include the location of apiaries and hives, honey sales, farm income statements, designated pollinator areas, and the number of hives per acre. In many counties, only land demonstrably used for agriculture is assessed as farmland.

The key consideration is that while beehives may influence agricultural classification, they are not the sole determining factor and do not automatically result in property tax exemptions. Therefore, any potential property tax savings related to beekeeping should be discussed with the relevant township or county assessor.

• This reply was modified 3 weeks, 6 days ago by  Bruce.

[Bruce]

This guide offers practical cost estimates for starting a residential mortgage brokerage in Alaska and Hawaii. It does not provide legal advice but summarizes current licensing and planning requirements from state and NMLS sources.

Quick Bottom Line

• Alaska is typically more accessible and less costly for new brokerages.
• A $75,000 surety bond is required, but a physical office is not.
• In Hawaii, there is no bond requirement; however, you must maintain a main office and a valid business address in the state.
• Four years of branch manager experience in Alaska or Hawaii can build regulatory trust and help new MLOs avoid some of the delays they face.
• Regardless, you must complete the full company application, including background and financial checks, NMLS filings, and obtain state approval.

Alaska Mortgage Brokerage Company Cost Estimate

Alaska Company NMLS and State Fees

For an Alaska Mortgage Broker/Lender License, the State Checklist Lists:

• Alaska license fee: $1,000
• Alaska application fee: $500
• NMLS initial processing fee: $120
• Credit report: $15 per control person
• The basic total cost for state and NMLS company filings is about $1,635, depending on how many key people and credit reports are involved.
• Alaska requires two key people in the company application.
• Alaska also requires a $75,000 electronic surety bond, filed through NMLS, issued by an Alaska-approved surety company.

Alaska Bond Cost Estimate

The Bond Amount is $75,000, But You Pay Only an Annual Premium Unless a Claim Occurs.

A Realistic Annual Premium Range Is:

• Strong credit: about $750 to $1,500 per year
• Average credit: about $1,500 to $3,750 per year
• Weak credit or financial issues: could be $4,000 to $7,500+ per year
• Bond companies typically charge 1% to 10% of the $75,000 bond amount, depending on your credit and perceived risk.

Alaska Individual MLO Requirements

For Alaska Individual MLO Licensing, the Checklist Shows:

• AK license/ registration fee: $350, including $50 surety fund fee
• AK application fee: $250
• NMLS initial processing fee: $35
• Credit report: $15
• FBI criminal background check: $36.25
• The total individual application cost is approximately $686.25, not including education, testing, or consultant fees.
• Alaska requires at least 20 hours of NMLS-approved pre-licensing education, passing the national test with state content, credit approval, and company sponsorship.
• A credit score of 600 or above satisfies the state’s financial responsibility requirements.
• If you already hold an individual license in Alaska, you can generally avoid most delays faced by new applicants, provided your license is active and in good standing, your education is current, and your new company can sponsor you after approval.

Alaska Company Eligibility Requirements

Alaska Company Applicants Generally Need:

• Company MU1 filing through NMLS
• MU2 filings for control persons
• Two control persons
• Financial statement or startup statement of condition
• Source of capitalization documentation
• A registered agent and a registered office in Alaska for control persons
• Explanations for any negative credit, court judgments, liens, bankruptcies, or legal and regulatory problems
• AML/BSA policy
• Business plan
• $75,000 electronic surety bond
• An active Alaska company license is required before sponsoring in Alaska, and the sponsoring Mortgage Broker/Lender must hold an active Alaska license before sponsoring MLOs.
• Submitting an MLO sponsorship before company approval may cause problems or denial of the MLO application.
• According to the Alaska checklist, a registered agent and a registered office in Alaska are needed for legal notices.
• It also says there is no required travel distance for Alaska MLOs and that working from home does not break Alaska MLO laws or rules.
• In practice, Alaska does not require a branch office.
• Ensure you have a registered agent and registered office, and maintain current business records, contacts, disclosures, and NMLS filings.

Alaska Consultant Cost Estimate

For Setting Up an Alaska-Only Mortgage Broker Company, an NMLS Licensing Consultant May charge Around:

• Basic filing help: $2,000 to $3,500
• Full company setup with document review: $3,500 to $6,500
• Complex file with credit/disclosure issues, multiple owners, DBA, policies, or regulator responses: $6,500 to $10,000+

Alaska Total Startup Licensing Budget

A Reasonable Alaska Licensing Budget:

• Low estimate: $4,000 to $6,500
• Normal estimate: $6,500 to $10,000
• Complex estimate: $10,000 to $15,000+
• This budget includes state and NMLS filing fees, bond premiums, consultant fees, registered agent services, business setup or foreign registration if required, basic policy drafting, and other filing expenses.

Brokerage Company Cost Estimate

Hawaii Company NMLS and State Fees

Hawaii Licenses Mortgage Companies as Mortgage Loan Originator Companies, or MLOCs. Hawaii Law

Lists the Fee for the Main Office MLOC As:

Principal office MLOC initial application fee: $900
Processing fee: $35 per control person
Annual renewal fee: $600
Branch office initial application fee: $250
Branch office renewal fee: $100

Hawaii Also Requires Fees for the Mortgage Loan Recovery Fund Instead of a Bond.

The Current DFI FAQ Says:

• Principal office of MLOC: $300 initial, $200 renewal
• Branch office of MLOC: $250 initial, $100 renewal
• MLO: $200 initial, $100 renewal

A Practical Estimate for Company Filing Fees for the Hawaii Main office is About:

MLOC application/state fees: $900
Mortgage Loan Recovery Fund: $300
NMLS processing: commonly in the $100 range

Control-Person Processing/Credit/Background Items Varies

• Expect Hawaii company filing fees to range from $1,300 to $1,600, depending on your control person.
• Other sources confirm MLOC agency fees are about $1,300, plus credit and background check costs.
• This aligns with the $900 application fee, $300 recovery fund, and NMLS processing fees.
• For a Hawaii MLOC under Chapter 454F, no surety bond is needed.
• Hawaii DFI says bonding is no longer required under Chapter 454F and that licensees pay into the Mortgage Loan Recovery Fund instead.

The Second Budget for a Typical Hawaii Mortgage Brokerage/MLOC Is:

• Bond amount: $0
• Bond premium: $0
• Instead of a bond, the recovery fund fees are $300 for the main office, $250 for a branch, and $200 for an individual MLO if needed.

Hawaii Individual MLO Requirements

Hawaii Requires Individual MLO Applicants to Show:

• No prior license revocation
• No felony in the past seven years
• No felony at any time involving fraud, dishonesty, breach of trust, or money laundering
• No misdemeanor involving fraud, dishonesty, breach of trust, or money laundering
• Financial responsibility, good character, and overall fitness
• Pre-licensing education
• Passing score on the national and state test components
• Mortgage Loan Recovery Fund fees
• Hawaii DFI requires individual applicants to complete 20 hours of pre-licensing education and pass the required tests.
• MLOs must complete 8 hours of continuing education annually after licensure.
• As a Hawaii-licensed MLO with four years of branch manager experience, you have a significant advantage over new applicants.
• The primary concern is maintaining an active, properly sponsored license in good standing and ensuring it is correctly linked to the new company.

If You Open Your Own Hawaii Mortgage Broker Business, Hawaii Says an Individual Doing Their Own Mortgage Broker Business Must Have Both:

• Individual MLO license, and
• An MLOC license for the business, whether it is a sole proprietorship, LLC, corporation, or partnership.
• Every MLO, MLOC, and other person conducting Hawaii residential mortgage loan origination activity must register with NMLS unless exempt.
• Hawaii company key people, executive officers, directors, general partners, and managing members are checked for financial responsibility and licensing eligibility.
• Hawaii DFI specifically states that company owners and key people must undergo a credit check and be financially responsible.

Does Hawaii Require Brick and Mortar?

• Hawaii has stricter requirements.
• Every licensed MLOC must maintain a main office in the state.
• If your headquarters are outside Hawaii, you must establish a main business location within the state.
• Main and branch offices must be listed in NMLS, open to the public during regular hours, and available for inspections.
• Each branch must have a dedicated branch manager who is physically present and cannot manage more than one location.
• A physical office in Hawaii is mandatory.
• Virtual offices outside the state are generally not accepted.
• While some suggest a home office may be permissible, the most reliable approach is to secure a physical in-state office with posted hours, an NMLS listing, a qualified branch manager, and inspection access.
• Due to Hawaii’s requirements for a physical office, qualified staff, branch managers, and compliance with the main office regulations, consultant costs are typically higher.

Estimated Consultant Fees:

• Basic Hawaii filing: $3,500 to $5,500
• Full MLOC setup with office/QI/branch structure: $5,500 to $9,500
• Complex setup with out-of-state parent company, DBA, multiple owners, office lease questions, or regulator responses: $9,500 to $15,000+

Hawaii Total Startup Licensing Budget

A reasonable Hawaii licensing budget:

• Low estimate: $7,500 to $12,000
• Normal estimate: $12,000
• Complex estimate: $20,000 to $35,000.
• Hawaii’s higher costs result from the need for an in-state office, strict branch manager requirements, potential office leases, business registration, a registered agent, policy drafting, consultant fees, and regulatory compliance.
• The additional expense is not due to filing fees or bonds. or bonds.

Timing Estimate

Alaska Timing

If your application is complete and without issues, plan for:

30 to 60 days for a smooth Alaska company application
60 to 90+ days if there are problems, explanations needed, ownership issues, bond problems, credit issues, or missing financial or policy documents

Alaska will begin processing your application only after receiving all required documents and fees. Incomplete applications will result in delays.

Hawaii Timing

For Hawaii, I would budget:

For Hawaii, plan on 45 to 90 days for a simple application.
90 to 120+ days if the office, qualified person, branch manager, key person, credit, business registration, or disclosure issues need extra checking

Hawaii’s process is often extended because the state thoroughly reviews your physical office setup and the credentials of your staff and branch managers. Does a branch manager’s experience in Alaska or Hawaii provide an advantage? Yes, your experience is beneficial, but it does not exempt you from completing the company licensing process.

Where It Helps

Your four years as a branch manager have helped with:

Regulatory credibility
Proof you understand Alaska/Hawaii compliance
Existing individual MLO licensing
Reduced need for new education/testing if already compliant
Cleaner sponsorship transition
Faster individual MLO approval under the new company
Experience qualifying as a QI/branch manager, especially in Hawaii
Lower perceived operational risk

Where It Does Not Help

It does not automatically transfer:

Your current employer’s company license
Your current employer’s branch license
Your current employer’s bond
Your current employer’s policies
Your current sponsorship
Your company approval
Your company’s financial review
Your control-person review

In Alaska, your new company must be approved before it can sponsor MLOs. In Hawaii, your new company still needs an MLOC license and a proper main office.

If you are considering your options, Alaska is a strong starting point. It is simpler, less expensive, and more flexible. Once your company’s policies, finances, NMLS record, AML/BSA program, and compliance systems are established, you can expand to Hawaii with confidence, knowing you have a solid foundation.
Hawaii is the next step, with a realistic startup licensing budget of $12,000 to $20,000. Most of this expense is due to the requirement for a physical office and a qualified branch manager.

• This reply was modified 1 week ago by  Gustan Cho.