[Bruce]

Some general information about the song Thunderstruck:

“Thunderstruck” is a song by the Australian rock band AC/DC, released in 1990 as the lead single from their album The Razors Edge. It was written by band members Angus Young and Malcolm Young. The song is known for its distinctive guitar riff and the powerful vocals of lead singer Brian Johnson.

Musically, it features a driving hard rock sound with prominent electric guitars. The lyrics deal with themes of excitement, energy and the power of music. It became one of AC/DC’s most well-known and popular songs.

https://www.youtube.com/watch?v=v2AC41dglnM

[Bruce]

BACK IN BLACK is one of AC/DC’s all time greatest hits. “Back in Black” is a song by the Australian rock band AC/DC. It was released as the lead single from their seventh studio album of the same name, “Back in Black,” in 1980. The song is one of AC/DC’s most iconic tracks and is widely regarded as one of the greatest rock songs of all time. Its distinctive opening guitar riff, played by Angus Young, is instantly recognizable. The lyrics were written by lead vocalist Brian Johnson and pay tribute to the band’s former lead singer, Bon Scott, who died earlier in the year. “Back in Black” has been covered and referenced numerous times in popular culture and remains a staple of classic rock radio playlists.

https://www.youtube.com/watch?v=pAgnJDJN4VA

[Bruce]

One of my all time greatest hits.

[Bruce]

Thanks GC. One of my all time favorites 😍

[Bruce]

Florida is one of the most migrated to states where not just for retirees but many families migrate to Florida.

There are several reasons why many people migrate to Florida:

1. Weather: Florida is known for its warm climate and abundant sunshine, especially during the winter months. Many people, particularly retirees, are attracted to Florida’s mild winters, which provide relief from colder climates found in other parts of the United States.

2. Retirement: Florida has long been a popular destination for retirees due to its favorable tax environment, affordable cost of living in many areas, and numerous retirement communities offering various amenities and services tailored to older adults.

3. Job Opportunities: Florida’s economy has been growing steadily, particularly in industries such as tourism, healthcare, technology, and construction. Job opportunities attract individuals and families seeking employment or better career prospects.

4. Outdoor Lifestyle: With its numerous beaches, parks, and recreational activities, Florida offers an outdoor lifestyle that appeals to many people. Water sports, golfing, fishing, and other outdoor activities are readily accessible throughout the state.

5. Diverse Culture: Florida’s population is diverse, with people from various cultural backgrounds and ethnicities. This diversity contributes to a vibrant cultural scene, with festivals, cuisine, and events reflecting the state’s multicultural makeup.

6. Education: Florida is home to several reputable universities and colleges, attracting students from across the country and around the world. Additionally, the state offers various educational opportunities for students at all levels, from primary schools to higher education institutions.

7. Real Estate: While real estate prices can vary depending on the location, Florida offers a range of housing options, from affordable suburban homes to luxury waterfront properties. The state’s real estate market has historically attracted investors and homebuyers looking for both primary residences and vacation homes.

8. Healthcare: Florida boasts numerous healthcare facilities, including hospitals, clinics, and medical centers, making it an attractive destination for individuals seeking quality healthcare services.

Overall, the combination of favorable weather, economic opportunities, lifestyle amenities, and cultural diversity makes Florida a popular destination for migration.

https://www.youtube.com/watch?v=xWAlTpY_jv0

[Bruce]

Kevin O’Leary is one of the members of the popular cable shows the Shark Tank. Kevin O’Leary has been criticized for being an arrogant piece of shit and a wannabe. Is Kevin O’Leary really wealthy and a sucessful businessman is a frequently asked question by millions of Shark Tank viewers. Yes, Kevin O’Leary is widely regarded as a successful businessman. He has achieved significant success in various ventures throughout his career.

1. Co-founder of SoftKey: O’Leary co-founded SoftKey Software Products in 1986. The company initially developed and sold educational software. Under his leadership, SoftKey grew rapidly through acquisitions, eventually becoming The Learning Company. The company was later sold to Mattel for $3.6 billion in 1999.

2. Founder of O’Leary Funds: After the sale of The Learning Company, O’Leary turned his attention to investment management. He founded O’Leary Funds, a mutual fund company that offers a range of investment products. O’Leary has been successful in growing this investment firm.

3. Television personality: O’Leary’s role as an investor on “Shark Tank” has further boosted his public profile and contributed to his success. He has leveraged his platform on the show to make numerous successful investments in startups and small businesses.

4. Author and speaker: O’Leary has authored several books on finance, investing, and entrepreneurship. His books have been well-received and have further solidified his reputation as a successful businessman and financial expert. Additionally, he frequently speaks at events and conferences on topics related to business and finance.

While O’Leary’s direct and sometimes controversial approach on “Shark Tank” has garnered both praise and criticism, there’s no denying his track record of success in business and investing.

https://www.youtube.com/watch?v=7rspu819AKI

[Bruce]

James O’Keefe is an excellent experienced undercover journalist who have incredible knowledge and credibility. James O’Keefe is respected by the legitimate journalists and news media as well as President Donald Trump.

[Bruce]

In the mortgage industry, there are two main compensation models for loan originators (mortgage brokers or loan officers): borrower-paid compensation and lender-paid compensation. The key differences between these two models are:

1. Borrower-Paid Compensation:
2. In this model, the loan originator’s compensation (commission or fees) is paid directly by the borrower.
3. The borrower typically pays an origination fee, which is disclosed upfront and can be negotiated.
4. The loan originator’s interests are aligned with the borrower’s, as they aim to find the best loan terms and rates to keep the borrower’s costs low.
5. Borrowers have more transparency into the originator’s compensation, as it is a line item on the loan estimate and closing disclosure.
6. Lender-Paid Compensation:
7. In this model, the lender pays the loan originator’s compensation, often through a higher interest rate or rebate pricing.
8. The borrower does not pay the originator directly, but the compensation is built into the overall cost of the loan.
9. The lender may offer different compensation levels (higher or lower) to the originator, depending on the interest rate and pricing of the loan.
10. Borrowers may not have direct visibility into the originator’s compensation amount, as it is not a separate line item on disclosures.

Here are some key points about each compensation model:

Borrower-Paid Compensation:

[Bruce]

A high-cost mortgage loan, also known as a higher-priced mortgage loan (HPML), is a type of mortgage that exceeds certain annual percentage rate (APR) or points-and-fees thresholds set by the federal government.

The specific criteria that define a high-cost mortgage loan are:

1. Annual Percentage Rate (APR) Threshold:<ul depth=”1″>
2. For most mortgages, if the APR exceeds the Average Prime Offer Rate (APOR) for a comparable transaction by 1.5 percentage points or more for first-lien loans, or 3.5 percentage points or more for subordinate-lien loans.
3. Points and Fees Threshold:<ul depth=”1″>
4. If the total points and fees paid by the borrower exceed certain percentages of the loan amount, which vary based on the loan amount. For example, for loans of $110,260 or more, the threshold is 5% of the total loan amount.

The points and fees include charges such as origination fees, underwriting fees, mortgage broker fees, and certain other third-party charges.

High-cost mortgages are subject to stricter regulations and consumer protections under the Truth in Lending Act (TILA) and the Home Ownership and Equity Protection Act (HOEPA). These regulations aim to protect borrowers from predatory lending practices and ensure they receive clear disclosures about the loan’s terms and costs.

Some of the key requirements and restrictions for high-cost mortgages include:

1. Prohibited Loan Features: Lenders cannot include certain risky features like negative amortization, balloon payments, or prepayment penalties.
2. Counseling Requirement: Borrowers must receive pre-loan counseling from a HUD-approved counselor.
3. Enhanced Disclosures: Lenders must provide specialized disclosures detailing the APR, amount borrowed, and total loan costs.
4. Ability-to-Repay Requirement: Lenders must carefully assess the borrower’s ability to repay the loan, including verifying income, assets, and obligations.

It’s important to note that while high-cost mortgages can provide access to credit for borrowers who may not qualify for traditional loans, they often come with higher interest rates, fees, and stricter requirements. Borrowers should carefully review and understand the terms and costs associated with these loans before proceeding.