[Connie]

During a recent livestream Candace Owens hosted commentator Baron Coleman, who expounded on a number of major unanswered questions and inconsistencies surrounding the death of Charlie Kirk and the actions of people close to him before and after the event. Coleman says that if he could have one question answered, it would be whether Erica Kirk had prior knowledge of what was going to happen, which he presents as speculation rather than proven fact.

Jimmy reacts strongly to this bold claim, highlighting specific timeline anomalies and urging further scrutiny while acknowledging there is no direct contact.

https://youtu.be/bptLTW-7G-M?si=qovH1KlUz_bt7Oxx

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

[Connie]

#ericakirk​ #celebrityhumor​ #celebritynews​ / @justceleb33

“If you’re enjoying this deep dive, please take a second to hit that like button—it really helps the channel. And if you’re new here, make sure to subscribe so you don’t miss the next update.”

Erica Kirk just got removed from her church, and it didn’t happen quietly. In this deep dive, we uncover the timeline of events that led to her sudden ousting, starting with the alleged leaked footage that changed everything. From her past connections to the Catholic community to resurfaced clips of a very different lifestyle, we break down why the church leadership reportedly cut ties immediately.

But the story doesn’t end there. Instead of stepping back, Erica is launching her own church. Is this a move of faith, or is she building a new structure to shield herself from scrutiny? We investigate the rumors surrounding her new ministry, her connections to Kat Phillips and TPUSA, and the dark allegations comparing her new venture to a “financial front” similar to other celebrity scandals. From the controversies surrounding the Romanian Angels orphanage to the questions lingering around Charlie’s passing, we connect the dots on why Erica is doubling down.

Erica Kirk, Charlie Kirk, Erica Kirk leaked tapes, Erica Kirk church scandal, Erica Kirk new church, Kat Phillips, TPUSA controversy, Romanian Angels orphanage, Erica Kirk exposed, turning point USA, celebrity church scandal, religious front, Erica Kirk past, Midweek Rise Up, deep dive, commentary, St Bernadette Catholic Church, Scottsdale Arizona, Tim Phillips, controversy, allegations.

https://youtu.be/RaFimPMrn0E?si=KZs_oOUhFvl_q467

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

[Connie]

Silver closed at $103.30 per ounce in the U.S. Shanghai silver closed at $113.00 per ounce. Many experts are forecasting $125.00 on Monday

Stay Tuned Folks http://www.silverprice.org/

silverprice.org

Silver Price

Where the world checks the gold price

[Connie]

1000% Increase in SILVER Demand! If You Own Silver, Watch Now – Peter Schiff & Andy Schectman.

The global economy is pivoting away from U.S. dollar hegemony, sparking a desperate race for tangible assets before inventory runs dry. Analysts warn that 2026 is shaping up to be the most explosive year on record for precious metals, driven by a perfect storm of monetary debasement and physical scarcity.

Peter Schiff, Chief Economist, and Andy Schectman, President of Miles Franklin, emphasize that the window for accumulation is rapidly closing. Schiff argues that the dollar’s decline is accelerating, making “Schiff Gold” and silver essential hedges before shortages make them unobtainable. Schectman adds a crucial catalyst: over 100 million ounces of silver have been delivered in just 50 days, coinciding with the government’s classification of it as a “critical mineral.” With new laws potentially establishing price floors within 90 days, the market is bracing for a government-mandated repricing.

This legislative shift, combined with record physical offtake, signals that the current rally is just the beginning. Investors are urged to act before these price floors and shortages permanently alter the market landscape.

While Bitcoin remains stagnant around $89,500, gold and silver are shattering records, with gold crossing $4,925 and silver poised to break $100. Market analysis suggests that crypto investors are suffering severe “opportunity costs,” missing out on what is shaping up to be the most explosive year for precious metals in history. Portfolios weighted toward physical metals and mining stocks are delivering exponential returns, far outpacing digital assets in 2026.

More critically, a quiet accumulation is draining physical supply. Over 100 million ounces of silver have been delivered in just 50 days, coinciding with the government’s classification of silver as a “critical mineral.” With new laws potentially establishing price floors within 90 days for national security reasons, “smart money” is placing historically significant orders. This divergence suggests the public is unaware that the window to acquire metal before a government-mandated repricing is rapidly closing.

We bring you the latest news, analysis, and insights across gold, silver, and copper markets. Our videos cover topics like gold price forecasts, silver predictions, copper outlooks, investment strategies, and long-term wealth preservation.

This channel shares educational insights and investment perspectives from experienced analysts. We DO NOT provide financial advice. Always consult a licensed financial advisor and conduct your own research before making any financial decisions.

We feature interviews and commentary from leading financial experts including Rick Rule, Peter Schiff, Mike Maloney, Lynette Zang, and other top voices in the world of precious metals and sound money. Stay informed, stay prepared, and make smart financial decisions with Metal Sense.

https://youtu.be/gDZ9xhYVT7k?si=w69sXP4hSdsBO9Mv

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

[Connie]

I would add the fiancee as authorized user with a family or friend with low utilization credit limit and go to Experian.com and enroll to Experian Boost. Experian will calculate the timely payments non-traditional credit such as mobile phone bill, utilities, cable, insurance, and other non-traditional credit and report it to the credit bureaus. I would increase the fiancee credit scores and then apply to trade in the truck for something comparable but newer. Lower payment since lower interest rate, and longer amortization (this is possible since it will be a newer vehicle). Payment may be the same. I suggest to find out what the value of the 2016 GMC 1500 4 DOOR 4X4 PICKUP TRUCK.

[Connie]

I love the Best Mortgage Calculator powered by GCA Forums and Gustan Cho Associates. It is one of the few online mortgage calculators that figures the housing payment with private mortgage insurance premium and/or FHA mortgage insurance premium. It sounds like the Minnesota Mortgage Calculator by Gustan Cho Associates offers some comprehensive features that go beyond basic mortgage calculations. Let me break down what makes it distinctive based on what you’ve shared:

Key Features:

The calculator appears to provide a two-part functionality. First, it calculates the complete housing payment including principal, interest, property taxes, insurance, and HOA fees when applicable—giving users the full PITI picture rather than just the basic loan payment. Second, it includes a debt-to-income ratio calculator that helps users determine whether they might qualify for different loan types including FHA, VA, USDA, Conventional, Non-QM, or Jumbo loans.

White Label Opportunity:

The interesting development you mention is that other mortgage professionals and realtors in Minnesota are requesting white-labeled versions of this calculator for their own brands. According to your information, Gustan Cho Associates’ CTO has confirmed this is possible, which could be a valuable tool for mortgage professionals who want to provide their clients with accurate calculations while maintaining their own branding.

Practical Value:

For Minnesota homebuyers, having a calculator that provides both payment estimates and qualification insights in one place could streamline the early stages of the homebuying process, helping people understand not just what their payment might be, but whether they’re likely to qualify for financing.

Is there something specific about the calculator you’d like to discuss, or are you looking for information about the white-label options for mortgage professionals?

[Connie]

I love the Best Mortgage Calculator powered by GCA Forums and Gustan Cho Associates. It is one of the few online mortgage calculators that figures the housing payment with private mortgage insurance premium and/or FHA mortgage insurance premium. It sounds like the Minnesota Mortgage Calculator by Gustan Cho Associates offers some comprehensive features that go beyond basic mortgage calculations. Let me break down what makes it distinctive based on what you’ve shared:

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

[Connie]

Despite Minnesota’s ongoing welfare fraud scandal, the state still offers many appealing features for retirees, including its lakes, outdoor activities, and high quality of life. Most residents will likely see more rules, some of which may cause public concern for a while, and possibly additional steps for activities like fishing.

Details Surrounding The Fraud

• Dozens of people have been charged, with the biggest case, “Feeding Our Future,” involving the misuse of almost 250 million dollars from a federal child nutrition fund during the COVID-19 pandemic.
• Recent investigations show that this fraud may be bigger than any other welfare program fraud in the United States during the COVID-19 period.
• Most of the money involved came from federal programs administered by the state, such as nutrition, housing, and Medicaid.
• While the first financial loss is federal, Minnesota must make changes to its budget, conduct audits, and improve its systems.

The “Governor Involvement” And Fallout

• Governor Tim Walz has publicly accepted responsibility and admitted to failures in supervision.
• Legal actions have focused on nonprofit leaders, middlemen, state workers, and other individuals in the middle, rather than top elected officials.
• Politically, Walz has faced serious consequences, ending his campaign for a third term and stating that this decision was due to the fraud scandal and related investigations.
• The committee has begun investigating Minnesota agencies and their oversight, focusing on whether fraudulently obtained funds were diverted to other countries.
• Congress has also accused the state of delaying and failing to cooperate in providing data.

Losses From Fraud And Increased Spending On Anti-Fraud Efforts Are Resulting In Higher Taxes For Minnesota Residents

These efforts include hiring additional staff, conducting regular audits, and implementing new systems to ensure compliance with rules. As a result, taxpayers are paying more.

• State spending may increase to cover the costs of hiring more auditors and implementing new technology in human services and education, depending on the decisions made by lawmakers.
• Nonprofits and businesses that wish to collaborate with state-run welfare and nutrition programs will face stricter regulations and increased paperwork requirements.
• While these steps may slow down services, they are meant to build trust with taxpayers.
• It is unlikely that there will be a special fraud fee or extra tax specifically for this scandal.
• Most likely, the costs will be spread out over general spending over time, along with other budgetary needs.

Quality Of Life, Safety, And Outdoor Life

• Minnesota consistently ranks among the top five to ten states nationally in civic engagement, health, environmental quality, and economic quality of life.
• Minnesota has many desirable features for retirement, including clean air, numerous lakes and water for recreation, and a variety of outdoor activities.
• The state has 11,842 lakes, numerous rivers and wetlands, a large trail and park system, and an abundance of wildlife for hunting and fishing.
• The scandal concerns government and political responsibility, rather than environmental issues or public safety.
• Water quality and fish safety have not been affected. Your retirement decision

Given Minnesota’s current situation, concerns about honesty may be particularly important for individuals with a law enforcement background. However, these concerns may not be sufficient reason to relocate out of the state.

• Things “law-and-order’” advocates may find favorable:
• Multiple nonprofit leaders and site operators have entered guilty pleas following charges by federal and state prosecutors.
• Convictions continue to accumulate as a result of external audits and congressional investigations.

Things That May Give You Pause:

• People with a law enforcement background may worry about increased supervision, political infighting over larger issues, and the use of faster warning systems for enforcement.
• The political environment is expected to become more polarized as the gubernatorial elections approach.

These Are The Practical Next Steps You Can Take:

• Identify specific regions, such as the Twin Cities exurbs or Northern Lakes, and evaluate the following factors:
• Consider local property taxes, as well as state and local tax obligations, for retirees.
• Consider how safe and honest each community feels, knowing that crime and politics are typically decided at the state level, rather than the county level.
• End periods in different seasons, such as summer and winter, to assess whether the lifestyle, including fishing, lake access, and community culture, meets your expectations.
• Then incorporate political and fiscal considerations into your decision-making process.

If you provide specific locations or lake areas you are considering, I can compile customized information on local taxes, politics, and recreation to help you compare Minnesota with staying in Illinois or relocating elsewhere in the upper Midwest.

Here is an informative article on Gustan Cho Associates that viewers of GCA Forums may find it interesting:

https://gustancho.com/mortgage-after-bankruptcy-in-minnesota/

[Connie]

According to information available on their website, Mortgage Lenders For Bad Credit (mortgagelendersforbadcredit.com) describes itself as both a mortgage lender and an informational resource center and service, indicating that it is also a direct lender. Their service is primarily dedicated to providing borrowers access to a network of lenders who may be more flexible in financing individuals with negative or subprime credit histories.

Here’s what we understand about their business model and what services they provide: What They Do

• Licensed Mortgage Broker and Correspondent Lender: Mortgage Lenders for Bad Credit is one of the few informational websites that features licensed mortgage brokers and correspondent lenders.
• Mortgage lenders for bad credit is a wholly owned subsidiary of Gustan Cho Associates, a top-tier national mortgage company with a national reputation for securing loans that other lenders cannot.
• Matching Service: One of the website’s primary purposes is to collect your loan application details and match them with a lender in their network.
• Mortgage lenders for bad credit act as a lender to assist you in discovering loan possibilities.
• Bad Credit Focus: Their entire business model is centered on serving one niche market: borrowers who are flat-out denied by traditional banking routes and mortgage lenders due to their low credit scores, bankruptcies, or adverse credit events in the past.
• Simplified Process: Their website offers a straightforward online form, which, after submission, is sent to multiple lenders.
• This saves you the trouble of applying to each lender to get as many offers as possible.

Do They Really Work With Bad Credit Borrowers?

Yes, the lenders that are part of their network are known for loaning to people with bad credit. However, there are important things to keep in mind:

• Lender Specialization: Usually, the lender they match you with is a higher-risk lender.
• These are the individuals who must make a living by lending to those with credit scores below the average.
• These analysts may lend to individuals who have traditionally been considered high-risk borrowers, typically those with scores in the 620-680 range that many loan programs require.
• Higher Costs are a Certainty: This is the most important factor.
• When lending to someone who has a poor credit history, there are no exceptions.
• You have to pay more for the loan.
• This larger amount of money is often due to the fees associated with higher-risk loans. These include:
• Higher Interest Rates: Expect your interest rates to be higher than loans offered to people with good credit. With more high-risk loans, higher interest rates are often offered.
• Even small higher interest rates will compound over the life of the loan.
• Higher Down Payments: To avoid risk, lenders may require a higher down payment.
• Instead of the typical 3-5%, lenders may request down payments of 10%, 15%, or even 20% or more on non-QM LOANS.
• Increased Fees: Originating costs, closing costs, and other services are lower.
• Be prepared for great service at lower costs.
• Limited Loan Type Options: There may be a more restrictive variety of loan types.
• You may be encouraged to consider government-backed stress loans, such as the FHA loan, which has more lenient credit requirements than others.
• You may also be guided towards non-QM loans, which fall outside the standard consumer protection rules.
• Vague Definition for “Bad Credit”: Within these types of lenders, even for networks with the “best” credit score qualifications, they may impose other minimum score restrictions.
• A lender may state a 400 credit score is unacceptable (and they would be correct).
• A 580 credit score may be viewed more leniently when accompanied by other positive aspects, such as a strong down payment, additional cash reserves, or a high income.

Considerations Before Using Their Services

1. Lenders vs. Matchmakers: Be aware that they provide mortgage services and are mortgage brokers and mortgage lenders.
2. The interest rates, terms, and approvals will depend entirely on the lender you are matched with
3. Look for Better Deals: Consider this service as one option in your shopping journey.
4. It’s also a good idea to reach out to different lenders on your own.
5. Local credit unions and community banks often offer more personalized service than the big national banks.
6. Lender Compliance and Consistency: When you are matched with a lender, review all the loan documents carefully.
7. Scrutinize the APR most.
8. It describes the fees and interest you’ll pay on the loan, so to get a full understanding of what the loan will cost, it’s the most critical part of the loan.
9. Try to Build Better Credit: If you have the time to focus on improving your credit score, it will be beneficial to take a few months (approximately 6-12 months) to build better credit.
10. This can mean paying off credit card debt, disputing inaccurate information on your credit reports, and paying all of your bills on time.

Mortgage Lenders for Bad Credit really does what it says it will do: connects you with various wholesale lenders who work with clients who have low credit scores. This service is ideal for you if you need help finding additional lending options that you may not have discovered. Nevertheless, be aware that the loan you secure will be significantly more expensive than a traditional mortgage. You will have to assess if that expense is worth it.

mortgagelendersforbadcredit.com

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