Lawyer Bruno
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Many other home builders are now dropping prices and offering builder incentives to homebuyers to relieve home inventory.
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Kamala Harris is incompetent, and not popular among voters. There’s no way Kamala Harris has the votes to get elected to become the President of the United States. So what does she do? Kamala Harris lies and buys supporters like Danny Vesokie, President of Affiliated Financial Partners says. Here’s the California Sheriff who accuses Kamala Harris of lying that she has the endorsement of the Sheriff.
http://youtube.com/post/Ugkx61fmQlnUCzNLWOXLlhOuyGSUf1_FXnlE?si=wy6WWA0-NfMMbCLu
youtube.com
California sheriff used in Kamala campaign ad says he doesn’t endorse Harris, who ‘did nothing’ to halt border crossings, cartels: report https://nypost.com/...
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The market is manipulated by the Federal Reserve Board, the government, and the mainstream media. The economy is not doing great like Joe Biden, the Biden Administration, Fed Chairman Jerome Powell, and the mainstream media says. Unemployment numbers came out yesterday which data reveal unemployment numbers increase from 3.3% to 4.3%. Those numbers are misleading and not correct. True unemployment numbers is more like 20%. They are counting part-time jobs, temporary jobs, and employment of workers who are over qualified and taking on jobs just to make ends meet. There is no reason why the Dow Jones Industrial Average should be at 40,000. There is no reason why home prices should increase 50% to over 100% in value in a period of a few years. There is no reason why interest rates should skyrocket like the way it did. There is no doubt Joe Biden, Jerome Powell, Janet Yellen, Kamala Harris are incompetent and do not know what they are doing. You cannot keep on printing money. You cannot have a monetary policy and system where the money is not backed by assets such as gold and silver. You need a leader other than the current incompetent clowns we have to lead the United States and is familiar with economics and the financial markets. We have too much regulation. We have too many incompetent clowns entrusted with major things that affect the lives and livelihood of the American people and American businesses. We have too much corruption and patronage. How can a career politician who never ever had a real job besides be a politician making a nominal salary for 50 plus years (which is all of his working life) become a multi-millionaire. Politicians should not be able to profit from taxpayers. Politicians should not be able to serve half a century and become millionaires. Politicians should have maximum term limits. Career politicians are corrupt, take bribes, live in a patronage system, and think they are above the law.
Mortgage rates and refinancing are subjects I can discuss in a general way:
Market Influences:
Inflation, economic growth, and Federal Reserve policy affect mortgage rates.
Releasing important economic data or geopolitical events can lead to rapid rate shifts.
Refinancing Choices:
A refinance is advantageous if you can reduce your rate by at least half a percentage point to one full point.
Weigh the costs of refinancing against potential long-term savings.
Streamline Refinancing:
Existing borrowers have streamlined refinance options through FHA and VA.
These tend to be less expensive and have fewer requirements than other type of loans.
Multiple Streamline Refinances:
You may do more than one streamline refinance, but there will typically be waiting periods (often between 6 and 12 months) before doing so.
There are guidelines specific to each program regarding frequency.
Conventional Loan Rates:
Several factors, such as credit score, LTV ratio, or loan term, cause daily rate fluctuations.
Per my last update, conventional mortgages were generally slightly costlier than government-backed ones like FHA or VA loans.
Gold And Silver Prices:
Economic uncertainty around the world, coupled with inflation expectations within them, affects precious metal prices, which vary based on global currency movements.
Market Predictions:
Accurately predicting future rate movements is nearly impossible because they depend on unpredictable variables. These include broader economic conditions and policy decisions made by central banks such as the Fed over time intervals lasting from weeks to years into the future.
Therefore, it’s best not to guess where things might go next when dealing with mortgage investments since significant uncertainty always remains. This holds, regardless of whether we can accurately predict what happens tomorrow, let alone next month or year!
To get information about current mortgage rates, go online and look at news sites related to the finance/real estate industry. Then, talk directly to lenders who work these markets daily, week after week, month after month, year-round, without fail. Given the time available in each person’s lifetime, they know all the latest trends better than anyone else could ever hope to understand.
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Several factors drive the visibility of Doberman Pinschers and other breeds traditionally docked and cropped with their natural tails and ears. These include animal welfare attitudes, legal frameworks, and breed standards. Below is a more detailed discussion:
Animal Welfare Attitudes Shift
Ethical Considerations: Many pet owners, veterinarians, and animal welfare organizations view tail docking or ear cropping procedures as unnecessary and painful. Such procedures have been criticized for causing unnecessary pain without any consideration for the dog’s health or functionality but rather to enhance aesthetic appeal.
Public Awareness: Public awareness regarding the negative effects of these activities has increased, leading to a rise in opposition. The use of social media platforms, together with campaigns from animal rights groups, has contributed significantly to enlightening people about the ethical issues involved.
Legal Frameworks
Bans and Restrictions: Some countries have banned tail docking, while others regulate it strictly. For instance, European nations such as the UK, Germany, and Norway do not allow this practice at all; however, within the USA, different states may impose their own laws concerning it.
Veterinary Positioning: Many veterinary associations, including the American Veterinary Medical Association (AVMA), disapprove of cosmetic ear cropping or tail docking and advocate for their prohibition.
Breed Standards And Shows
Kennel Clubs: In confirmation, some kennel clubs and breed organizations began accepting, even preferring dogs’ natural appearances over altered ones. For example, the American Kennel Club permits cropped/uncropped ears and docked/natural tails in certain breeds.
Show Preferences—Breed standards traditionally require docked tails or cropped ears. However, breed standards are changing to recognize natural appearances during competitions and showings. This change is influenced by shifts in public opinion coupled with a desire to promote the welfare of animals, amongst other things.
Practical Considerations
Health and Functionality—Critics argue that docking/cropping can lead to poor health conditions in dogs, like chronic pain, behavioral changes, and increased susceptibility to infections, and thus, keeping them naturally prevents such problems.
Owner Preferences Modern pet owners might not want their pets to look like they’ve had unnecessary surgeries, so they prefer a natural look.
Rottweilers and Tails Appearance And Function: Traditionally, Rottweilers docked tails the same way as Dobermans. However, now there’s an increasing tendency to leave rotting tails naturally for similar ethical/legal/practical reasons.
Aesthetic Views: Long-tailed Rottweilers may need to be more aesthetically pleasing because their appearance goes against the traditional image associated with the breed. However, people are generally getting used to seeing them look more like actual dogs.
The growing number of Doberman Pinschers, Rottweilers, and other traditionally cropped/docked breeds having their original ears/tails can largely be attributed to evolving ethics laws, changes to breeding standards, and owner preferences, among many other things. Although some still find beauty in shortened/surgically altered pets, wider acceptance of natural looks signifies an enhanced commitment to animal welfare, well-being, and health.
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What county in Chicago and surrounding suburbs got reassessed the highest in property tax assessment increase? What are the new property tax reassessment increases in Cook, Kane, Kendall, McHenry, DuPage, Will, Grundy, DeKalb, and Lake Counties.
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How long before buying a house should you get pre-approved? Is it true that borrowers should get pre-approved between 1 and 4 months before buying a house? If I am a first-time homebuyer, when should I get pre-approved for a mortgage? How long before buying a house should you get pre-approved? Can you tour a house without a pre-approval from a mortgage loan officer? Can you make an offer on a home without a pre-approval letter from a mortgage company? Does a pre-approval hurt your credit? How much does a pre-approval cost? Can you get denied a mortgage after getting pre-approved for a mortgage? How fast does it take to get pre-approved for a mortgage?
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NEXA Mortgage and AXEN Mortgage are mortgage companies owned by the same owners. and is the nation’s largest mortgage broker licensed in 48 states including DC, Puerto Rico, and the U.S. Virgin Islands. Can you please tell the difference between AXEN MORTGAGE vs NEXA MORTGAGE.
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There are a lot of reasons why dogs tend to check on their owners frequently. Most of these reasons are rooted in dogs’ social nature and their bond with humans. Here are some common causes:
Affection and Bonding: Dogs are pack animals who like being close to family members.
Security and Reassurance: Checking on you is their way of ensuring that they still feel safe in their environment.
Routine and Habit: Some dogs may have developed checking as part of their daily routine.
Attention Seeking: They could be looking for playtime, treats, or any other form of attention.
Protective Instincts: Certain breeds have strong protective instincts and may want to ensure all is well around them.
Separation Anxiety: Frequent checking can indicate mild separation anxiety in dogs.
Curiosity: Sometimes dogs want to know what you are doing or where you are at that particular time.
Pack Mentality: In the wild, dogs live in packs, so this behavior imitates keeping track of pack members’ movement within an area.
Reading Your Emotions: They can sense when something is wrong with us emotionally and will come over to see how we fare, whether happy or sad.
Hunger or Thirst: This might be them subtly reminding us it’s time for food or water because they do not want us getting dehydrated or starving ourselves unknowingly
Needing to go outside: It could mean they need a bathroom break so badly they cannot hold it any longer.
Boredom Reliever: When under-stimulated mentally/physically, they would rather come over for entertainment by playing around with them or finding fascinating things that can keep them busy.
Learned Behavior: If checking on its owner has been rewarded before, then there is no doubt about continuation since positive reinforcement always works wonders, even beyond our expectations.
Health concerns: Sometimes, excessive checking can indicate underlying health issues that trigger anxiety in dogs.
This is perfectly normal behavior and shows a strong relationship between the dog and its owner. However, if these checkings become too much or are shown out of fear, I suggest you consult your Vet Doctor or an Animal Behaviorist for further assessment.
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Utah Housing Market Overview
Current State of the Market
The real estate market in Utah is growing steadily, giving sellers an upper hand. Here are some key points to note:
Home Prices: As of early 2024, homes in Utah have appreciated by about 3.8% YoY (year-over-year). The median home price is about $545K, slightly higher than the national average.
Supply of Homes: The number of houses for sale has increased by 12.8% as more attempts are made to meet the high demand for housing.
Market Balance: Compared with previous years, when homes spent less time on the market, this year, they are staying longer, giving buyers more bargaining power.
Economic Factors
Job Market: With diverse industries and a low unemployment rate of around 2.7%, Utah has one of America’s strongest job markets characterized by high employment growth rates. Such a thriving economy naturally fuels housing needs, making it an ideal place for real estate investment.
Cost of Living: While living here is relatively affordable compared to other states, accommodation costs have recently surged tremendously. Utah homeowners benefit from an effective property tax rate of only 0.58%, translating into substantial savings over time.
Top Cities for Value and Education
Best Value: Ogden and Provo, among other cities, offer great value propositions for prospective homeowners looking to invest in property; though prices have risen significantly within these areas over the past couple of years, they remain comparatively cheaper than average state-wide values per square foot or acreage size etcetera.
Top School Districts: Park City and Davis County, among other places, are recognized for having some of the best-performing school districts in Utah, making them more desirable locations for families with school-going children.
Moving Insights
Child-Friendly: Because of its low crime rates, strong community spirit, and wide range of outdoor recreational activities available throughout all seasons, many people consider this state an ideal place for raising children.
Migration Patterns: Many individuals and families have recently relocated to Utah from California, Arizona, Colorado, etc., attracted by better employment prospects coupled with lower living expenses and improved quality-of-living standards offered here.
If you want a good job market nearby, great schools around your neighborhood, or desire to live better, moving to Utah might just be what you need. While finding affordable housing can be tough due to high demand levels within different parts of town, on the flip side, there are still areas where one can get more bang for their buck if they know where exactly these spots lie. As the economy thrives and new residents keep streaming in thanks to its family-friendly status, this state has never lost its charm!
