Doctor Carol Lieberman reports Jill Biden to the state mental health authorities for Elderly Abuse. Dr. Lieberman reported Jill Biden for abusing her senile husband Joe Biden to state mental health authorities. She said it is obvious Joe Biden is suffering from dementia and is in no shape or form to work let alone run for reelection. More to come.

https://youtu.be/t59NKXcemEQ?si=t86iIOgrlT1DZwtL

The best way to rebuild and re-establish your credit is to get three to five secured credit cards and a credit rebuilder account. Besides secured credit cards, consumers should get a credit rebuilder loan. Credit rebuilder loans is offered by banks or credit unions where you open up a savings account. It is normally a certificate of deposit where you make a monthly deposit (you can choose $25, $50, $75, $100 or more). The monthly payments is reflected on the three credit bureaus as an installment loan payment and once the one year comes up, the money is returned to you. With credit rebuilder accounts, after you make four or five payments, you have the option to get a secured credit against your deposit. https://self.inc is the best credit rebuilder account.

self.inc

Credit Builder: Build Credit & Add to Your Savings with Self

Build your credit with Self's Credit Builder Account & secured Self Visa® Credit Card. Ideal for credit building, no hard check, & reports to all three bureaus.

Like to introduce eveyrone to Rhonda Smith, a dually licensed real estate agent licensed in Alabama and an NMLS licensed mortgage loan originator at Gustan Cho Associates NMLS 2315275, a dba of NEXA Mortgage NMLS 166060. @Rhonda

Rhonda Smith: Mortgage Loan Originator at Gustan Cho Associates, a dba of NEXA Mortgage.

Rhonda Smith is a mortgage loan originator at Gustan Cho Associates, specifically licensed to operate in Alabama. Gustan Cho Associates is a well-known mortgage brokerage firm, part of NEXA Mortgage LLC, which offers a range of mortgage products and services across the United States.

About Rhonda Smith of Gustan Cho Associates

• Parent Company: NEXA Mortgage LLC
• Coverage: Licensed in 48 states, including Alabama.
• Specialties: The company is known for its expertise in handling loans that other lenders might decline, particularly due to their “no overlay” policy, which means they adheres strictly to agency guidelines without adding extra qualification requirements.

Services Offered by Rhonda by Rhonda

Gustan Cho Associates provides a variety of mortgage services, including but not limited to:

• Conventional Loans
• FHA Loans
• VA Loans
• USDA Loans
• Non-QM Loans: Including bank statement loans and asset-depletion loans for self-employed borrowers.
• Refinancing Options

Contact Information of Rhonda Smith

You can contact Rhonda Smith directly through Gustan Cho Associates for specific mortgage inquiries or to start the loan application process.

Benefits of Working with Rhonda Smith and Gustan Cho Associates

• Expertise: Extensive experience in handling complex mortgage scenarios.
• Customer Focus: Dedicated to helping clients find the best loan options tailored to their needs.
• Accessibility: The team, including Rhonda Smith, is available to guide clients through the mortgage process from start to finish.

Further Information on Rhonda Smith

For more details on the services provided or to contact Rhonda Smith, visit the Gustan Cho Associates website or the specific page for GCA Mortgage. This ensures that potential clients or interested parties clearly understand Rhonda Smith’s role, the services offered by Gustan Cho Associates, and how to proceed with mortgage inquiries.

• This discussion was modified 9 months, 4 weeks ago by  Gustan Cho.

Gustan Cho is the President of Mortgage Sensei and the CEO of Lending Network Inc. Both positions place him at the helm of influential financial organizations within the mortgage and lending industry. Here’s a bit more about each of these roles and the respective organizations:

Gustan Cho

• Role: President
• Focus: Gustan Cho is likely to provide mortgage solutions, consulting, and educational resources for consumers and industry professionals.
• Services: The organization may offer various services, including mortgage brokerage, loan origination, and mortgage education.

Lending Network Inc.

• Role: CEO
• Focus: Lending Network Inc. operates as a comprehensive lending service provider. It may offer various loan products, including residential mortgages, commercial loans, and other financing solutions.
• Services: The company likely provides financial products and services aimed at helping individuals and businesses secure the funding they need. This can include everything from personal loans to large-scale commercial financing.

Contributions and Impact

• Leadership: As a leader in these organizations, Gustan Cho plays a key role in strategic decision-making, business development, and overseeing daily operations.
• Industry Influence: His positions suggest a significant influence in shaping the direction of mortgage lending practices and policies within the industry.

Contact and Further Information

• For more detailed information about Gustan Cho’s work and the services offered by Mortgage Sensei and Lending Network Inc., it would be beneficial to visit their respective websites or professional profiles on business networking sites like LinkedIn.

Unfortunately, detailed information about Gustan Cho’s work and the services provided by Mortgage Sensei and Lending Network Inc. may not be readily available in the public domain. If you require more precise details or wish to contact these organizations directly, consider reaching out through their official websites or professional contact channels.

Visit us at Lending Network, Inc. https://lendingnetwork.org/

• This discussion was modified 1 month, 1 week ago by  Sapna Sharma.
• This discussion was modified 1 month, 1 week ago by  Sapna Sharma.
• This discussion was modified 4 weeks, 1 day ago by  Sapna Sharma.
• This discussion was modified 4 weeks, 1 day ago by  Sapna Sharma.

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Home - Lending Network, LLC

COMMERCIAL LOANS, COMMERCIAL REAL ESTATE

There are many conflicting questions and theories about who is Michelle Obama and what relationship is Michelle Obama to Michael Robinson? Is Michelle Obama Michael Robinson Obama? What does this mean for Barack Hussain Obama? Does this mean that Barack Hussain Obama is the first U.S. President married to a man? Or transgender? We need to have some transgender answers.

https://www.tiktok.com/t/ZT8x5ryLU/

Delaware, the home of the Cheater in Chief, Joe Biden, America’s biggest crime family. Other than the Imbecile cheating crook and his crime family, Delaware is a beautiful state. Delaware. the “First State” in the United States can indeed be a great place to raise a family, depending on what you’re looking for. Some benefits include:

1. Cost of living: The cost of living in Delaware is typically lower than the national average, especially when compared to nearby states like New York and New Jersey. Delaware also has no sales tax, which can help families save money.

2. Education: Delaware has a good mix of public and private schools. It also has a number of specialized charter schools and magnet schools, and the state has been investing in improving education.

3. Proximity to major cities: Delaware is located within a few hour’s drive of several major East Coast cities, including Philadelphia, New York City, Baltimore, and Washington D.C. This can provide a lot of opportunities for cultural experiences, employment, and travel.

4. Outdoor activities: The state has many parks, beaches, and trails, offering plenty of opportunities for outdoor recreation.

5. Safety: While it varies from place to place, many of the communities in Delaware have low crime rates and are considered safe places to live.

6. Community: Delaware’s population is relatively small, leading to a close-knit community feel in many of its towns and cities. There are frequent community events, farmer’s markets, festivals, and more.

As with any location, there are also potential drawbacks. Some people find Delaware to be too small or quiet, especially if they’re used to a bustling city environment. Moreover, while the state has been working on improving education, it still ranks in the middle of the pack compared to other states.

Before moving, it would be beneficial to research individual towns and cities in Delaware to find one that best suits your family’s needs. In general, though, Delaware has many qualities that can make it a good place for families.

What is the best way to market yourself as a mortgage loan originator through organic leads and not have to hire expensive lead generation companies during these tough times.

I went to the Illinois Institute of Technology in Chicago Illinois to study metallurgical engineering which was borderline the Robert Taylor Housing Projects a gigantic subsidized Housing Project in Chicago’s most dangerous section, the near South Side by Comisky White Socks Baseball Park and near Chicago’s China Town. The Robert Taylor Homes was a notable Chicago public housing project. Here are some important facts about the development:

Location: It was in Bronzeville, a neighborhood on the South Side of Chicago.

Size and Scale: At its height, it was the biggest public housing development in the United States.

Construction: The Chicago Housing Authority (CHA) built it between 1959 and 1962 as part of an urban renewal program.

It is named after Robert Rochon Taylor who was an African American activist and also served as the first Black chairman of CHA.

Structure: The complex had 28 high-rise buildings, each one being 16 stories tall and containing 4,415 apartments.

Population: It held up to an estimated 27,000 residents at its peak time.

Demographics: Most inhabitants were African Americans living below poverty line.

Problems: With time this project came to be notorious for extreme levels of poverty, gang activity, crime among other things like these .

Decline: Declining living conditions due to poor maintenance; lack of resources; concentration of poverty .

Demolition : In accordance with Chicago’s Plan for Transformation , demolition started in 1998 and ended up seven years later – in 2007th .

Replacement : Area has been redeveloped with mixed-income houses under Legends South initiative since then till now .

Legacy : Standing as symbols for all that went wrong with high rise public housing projects across America; they also influenced future urban planning strategies entailing construction affordable homes within cities themselves.

The history behind Robert Taylor Homes mirrors wider problems faced by US cities during second half twentieth century such as racial segregation policy making on part local governments demarcating poor areas from those deemed suitable for whites only increased levels welfare dependency resulting from limited employment prospects among black communities etcetera thus becoming widely studied sociological phenomenon which continues informing debates over inner city regeneration schemes aimed at providing affordable accommodation options

https://youtube.com/shorts/KC9wPiyoO1E?si=nX37Fn56CsmxX-q0

• This discussion was modified 9 months, 2 weeks ago by  Gustan Cho.

It is no secret Joe Scarborough is Joe and Jill Biden’s number one ass kisser. Joe Scarborough has brought five star coverage of Joe Biden and unanimously crowned 👑 himself Joe Biden’s number one ass kissing freak show. Scarborough is thought about as the World’s biggest idiot and nobody respects him nor his show. He seems he’s more mentally ill than Joe Biden and is in the state of denial about how bad the economy is under Joe Biden’s watch. However, after Thursday’s Presidential debate with former President Donald Trump, the Biden Ass Kissing Freak Joe Scarborough 😜 seems he’s calling it TRUCE. Watch this video clip.

https://youtu.be/7mZ2VSoCZ38?si=ILpUX3ci1yDIK79V

Does anyone k now or have confirmation of who the Presidential candidates as well as their Vice President running mates are for the Presidential Election of 2024? I know former President Donald Trump has the Republican nomination for President but who will be Donald Trump’s Vice President pick? It seems like former President Donald Trump does not have a good track record of appointing loyal team members. All of his picks for top positions have turned on him including Mike Pence as his Vice President, Rod Rosenstein as his Attorney General, James Comey as his FBI Director, Nikki Haley, Mark Meadows as his Chief of Staff, and dozens of other key cabinet members he chose. As for Joe Biden, is he on planning to run another four years? Will Kamala Harris be his Vice President? There is a lot of rumors from both sides of the isle that Joe Biden is too old to run at 81 years old and Michelle Obama may be the runner up for the Democrats. Its almost July and the Election of 2024 will be in a few months which is right around the corner. Whoever the runner up is, hope the Democrat candidate will be truthful, transparent, not lie, and most important of all, be competent and have the United States at heart and best interest of American. The economy is in bad shape, inflation out of control, unemployment rate at an all time high. American worker’s wages are down 20% from 2019 while the price of goods and services are double. Homeownership is out of the question for middle American wage earners.

https://www.youtube.com/watch?v=LgFHQrSD5e0

Went to the grocery store and my change contained a 1963 Silver Dime, Gus advises investing in silver. I guess I just started, I think its worth $25. Any opinions?

I am not familiar with bank statement loans. Can you please explain how bank statement loans work.

Per U.S. District Court, bankruptcy filings in the United States is up 13% and surging higher. Inflation, high rates, and cost of goods and services are leading cause of unemployment and financial crisis among Americans.

https://www.uscourts.gov/news/2023/10/26/bankruptcy-filings-rise-13-percent

Here’s Under Pressure from David Bowie.

https://youtu.be/nbwn21TU4ec?si=3L1Cbs1WdNz_8qzy

Can the seller tax proration that is credited to buyer at close. Will that be allowed to count towards the 3.50 % down payment. I know it is allowed, but can it be used to show that is where the part of remaining proceeds will be coming from?

Napa County vs. Sonoma County

Napa County is by far the most famous wine-producing region in the world. Rich in California history and abundantly rich in grapes. One of the first wineries was Charles Krug back in 1861, and they are still making wine. In the 1930s, Krug became one of the original 13 ranchos established for wine production, along with Caymus.

Napa is basically a pit; the Napa Valley runs north and south and is mostly landlocked. Napa and Sonoma share the Los Carneros region, located on San Pablo Bay. There are 789 square miles of land in Napa. The valley gets extremely hot during the summer, making it the ideal location for Cabernet, but not many other varietals.

In the Paris Tasting in May of 1976, or “The Judgement of Paris, the most respected names in Paris were the judges. George Taber, who was a Times magazine correspondent, wrote, “Obviously, the French wines win.” This turned out to be the biggest story about wine and started the globalization of wine. A 1973 Chardonnay from Chateau Montelana in Napa won, and Stag’s Leap Wine Cellars, also from Napa, won for best Cabernet. A bottle of each is in the Smithsonian’s National Museum of American History. Thanks for bringing Sonoma County into the spotlight.

Sonoma County was originally a grape-growing county, selling grapes to Napa while producing “Dago Reds.” When a Cabernet Sauvignon says Napa Valley, not all the grapes are from Napa. They buy grapes from Sonoma and blend them for various reasons. Sonoma has 1,768 square miles of land—one thousand square miles more. Unlike Napa, Sonoma is not landlocked. The Pacific Ocean on the west and the Mayacamas Mountains to the east divide the two counties. San Pablo Bay to the south and makes Sonoma more diverse, with many growing climates in the county.

The Alexander Valley gets as hot as Napa. The coastal weather has an influence on the grapes. When the weather gets too hot, the grape refuses to work, and they wait for the fog to come across from San Francesco Bay. The Russian River Valley runs through the entire width of Sonoma. Bodega Bay and the Guadalala River also have an effect on grape growing. Pinot Noir thrives in Sonoma County, not just in Los Carnos but in many other places. The fog produces slight moisture to cool the grapes acidity. The Cabernets, Merlot, and other Bordeaux grapes enjoy the weather. Bordeaux has plenty of rain and fog.

All these varietals produce softer fruit, which produces softer, more elegant wines. in Sonoma, which adds more nuances and character. In my opinion, and I am Sonoma County trained, Sonoma County is overall a better county with all the micro-climates for growing grapes.

How to frighten the new generation. Put them in a room with a rotary phone, an analog watch and a television without a remote control and leave the directions in cursive.

How to frighten the old generation, put them in front of a computer, ask them to up-load a picture, down-load a file, create a PDF then share to a social media, while CCing all contacts with the letter z in their names.

My son got so mad when he called me and I didn’t answer. He keep asking, “where are you?” And I said, “I’m here, you just can’t see me.” I identify with, “Transparent, and my pronouns are who and where.”

The Globalists and Democrats are on the same crazy mission of depopulation and ending innocent lives early.

The coronavirus pandemic was a man made weapon of mass destruction and the coronavirus vaccine was created to depopulate the world. Boosters came out to continue killing people. The Globalist hate humanity, hate the United States, amd the US Constitution. The Globalist are evil and examples of Globalist include the following, Barack Obama, Michael Robinson Obama, George Soros, Dementia Lying Biden, The Rothschild, Bill Gates, Nancy Pelosi, Gavin Newsom, JB Pritzker, Claus Schaub, Anthony Fauci. These statements are based on Facts and No BS.

ITIN loans refer to loans that are available to individuals who have an Individual Taxpayer Identification Number (ITIN) but do not have a Social Security Number (SSN). ITINs are issued by the Internal Revenue Service (IRS) to individuals who are not eligible for an SSN but need a taxpayer identification number for tax purposes.

ITIN loans can include various types of loans, such as personal loans, auto loans, mortgage loans, and small business loans. These loans are typically offered by lenders who are willing to work with borrowers who have ITINs instead of SSNs.

Here are some key points to understand about ITIN loans:

1. Eligibility: To qualify for an ITIN loan, you typically need to have a valid ITIN. Lenders may also consider other factors such as your credit history, income, and ability to repay the loan.
2. Limited availability: Not all lenders offer ITIN loans, so you may need to search for lenders or financial institutions that specialize in serving borrowers with ITINs.
3. Interest rates and terms: The terms and interest rates for ITIN loans can vary depending on the lender and the type of loan. It’s important to compare offers from different lenders to find the best terms for your situation.
4. Documentation: You will likely need to provide documentation to support your loan application, such as proof of income, identification, and other financial information.
5. Building credit: Some ITIN loan options may help individuals build their credit history in the United States, which can be important for accessing other financial products and services.
6. Risk factors: ITIN loans may have higher interest rates or stricter lending criteria compared to loans for borrowers with SSNs. This is because lenders may perceive borrowers with ITINs as higher risk due to potential challenges in verifying their identity and credit history.

It’s essential to carefully research and compare the terms and conditions of ITIN loans from different lenders to make an informed decision. Additionally, consulting with a financial advisor or credit counselor can be beneficial when exploring your borrowing options as an ITIN holder.

Church loans are financial instruments specifically designed to provide funding to religious organizations, typically churches, temples, synagogues, mosques, and other places of worship. These loans are used by religious institutions to finance various needs, such as construction or renovation of facilities, land purchases, equipment acquisition, and other capital expenditures.

Here are some key features and aspects of church loans:

1. Purpose: Church loans are primarily used to support the growth and maintenance of religious institutions and their facilities. Common purposes include building new worship spaces, expanding existing structures, renovating or repairing buildings, purchasing land for future development, or acquiring equipment like musical instruments or sound systems.

2. Lenders: Religious institutions can obtain church loans from a variety of sources, including banks, credit unions, religious lending organizations, or specialized lenders that cater specifically to faith-based organizations. Some religious denominations also offer financing options through their own affiliated financial institutions.

3. Terms and Conditions: The terms and conditions of church loans can vary widely depending on the lender, the creditworthiness of the religious organization, and the specific needs of the institution. Loan terms may include interest rates, repayment schedules, collateral requirements, and loan amounts tailored to the borrower’s circumstances.

4. Tax-Exempt Status: Many religious organizations are tax-exempt entities under U.S. tax law. When obtaining church loans, they may need to ensure that the loan terms comply with tax regulations to maintain their tax-exempt status.

5. Fundraising and Donations: Religious institutions often combine church loans with fundraising efforts and donations from their congregation or supporters to meet their financial needs. Loans can provide immediate access to capital while donations and fundraising activities help repay the borrowed funds over time.

6. Loan Application Process: To secure a church loan, religious organizations typically need to go through a loan application process, which may include providing financial statements, business plans, and documentation of their ability to repay the loan. Lenders will evaluate the organization’s creditworthiness and the proposed use of funds.

7. Risks: Like any loan, church loans come with financial obligations, including interest payments and potential risks associated with repayment. Religious institutions should carefully consider their ability to meet these obligations and develop a financial plan to manage the debt responsibly.

It’s important for religious organizations to assess their financial needs and capabilities before pursuing a church loan, as well as to seek advice from financial professionals or legal experts familiar with the unique aspects of faith-based financing. Additionally, they should ensure that any loan agreement aligns with their religious values and beliefs.

HOW DOES FACTORING FOR BUSINESSES WORK

Factoring is a financial arrangement that allows businesses to convert their accounts receivable (unpaid invoices) into immediate cash. It’s a way for businesses to improve their cash flow by getting access to funds that they would otherwise have to wait for from customers. Here’s how factoring for businesses typically works:

1. Selection of a Factor: A business first selects a factoring company, also known as a “factor.” Factors can be traditional financial institutions or specialized factoring companies. The choice of factor depends on factors like industry, invoice volume, and specific needs.

2. Application and Approval: The business applies for factoring services, and the factor evaluates the creditworthiness of the business and its customers. Factors assess the quality of the invoices, the likelihood of payment, and the creditworthiness of the business’s customers.

3. Agreement and Terms: Once approved, the business and the factor enter into a factoring agreement, which outlines the terms and conditions of the arrangement. This agreement includes details such as the factoring fee, advance rate (the percentage of the invoice amount provided upfront), and the reserve amount (the portion of the invoice amount held by the factor until payment is received).

4. Invoice Submission: The business continues to provide goods or services to its customers as usual and generates invoices. Instead of waiting for customers to pay these invoices, the business submits them to the factor.

5. Advance Payment: Upon receiving the invoices, the factor typically advances a percentage of the invoice amount to the business, usually ranging from 70% to 90% of the total invoice value. This advance provides the business with immediate cash to cover its expenses and working capital needs.

6. Collection and Payment: The factor takes over the responsibility of collecting payments from the business’s customers. When customers pay their invoices, the factor deducts its fees (factoring fee) and any other charges, then remits the remaining amount (the reserve) to the business. This final payment is typically referred to as the “rebate.”

7. Ongoing Relationship: The factoring arrangement can be ongoing, with the business continually submitting new invoices for factoring as needed. Some businesses use factoring as a regular part of their cash flow management strategy.

It’s important to note that factoring is not a loan, as it involves the sale of accounts receivable. The factor assumes the risk of collecting the outstanding invoices, which can be beneficial for businesses with cash flow challenges or those looking to outsource their credit and collections processes.

Factors charge fees for their services, which can vary based on factors like the creditworthiness of the business’s customers, the volume of invoices factored, and the specific terms of the agreement. Businesses should carefully consider these costs when deciding if factoring is the right solution for their cash flow needs.

How Does The ITIN Loan Program Work

The ITIN (Individual Taxpayer Identification Number) loan program is designed to provide financial assistance to individuals who do not have a Social Security Number (SSN) but have an ITIN. ITINs are issued by the Internal Revenue Service (IRS) to individuals who are required to pay taxes in the United States but are not eligible for an SSN, such as non-resident immigrants, foreign nationals, and others.

Here’s how the ITIN loan program typically works:

1. Eligibility: To qualify for an ITIN loan, you need to have a valid ITIN issued by the IRS. Most lenders that offer ITIN loans require applicants to be at least 18 years old and have a source of income in the United States.

2. Choose a Lender: You’ll need to find a lender that offers ITIN loans. These lenders specialize in serving individuals with ITINs and understand the unique requirements of this demographic. Some banks, credit unions, and online lenders offer ITIN loan programs.

3. Application Process: The application process for an ITIN loan is similar to that of a traditional loan. You’ll need to provide personal and financial information, including proof of identity, income documentation, and other relevant paperwork. Lenders will assess your creditworthiness based on this information.

4. Loan Types: ITIN loan programs may offer various types of loans, including personal loans, auto loans, mortgages, and more. The availability of loan types can vary depending on the lender.

5. Credit Check: Some lenders may perform a credit check as part of the application process to evaluate your credit history and assess the risk associated with lending to you. However, some ITIN loan programs are designed for individuals with limited or no credit history.

6. Loan Approval: If your application is approved, the lender will provide you with the terms and conditions of the loan, including the interest rate, loan amount, repayment schedule, and any applicable fees.

7. Repayment: Once you accept the loan offer, you are responsible for repaying the loan according to the agreed-upon terms. This typically involves making regular monthly payments, which may include both principal and interest.

8. Building Credit: Timely repayment of an ITIN loan can help you build a positive credit history in the United States, which may improve your access to financial products and services in the future.

It’s important to note that the terms and requirements for ITIN loans can vary from one lender to another, so it’s essential to shop around and compare offers to find the best fit for your needs. Additionally, borrowers should be aware of the interest rates and fees associated with ITIN loans, as they can vary depending on the lender and the borrower’s creditworthiness.

Before applying for an ITIN loan, it’s advisable to seek guidance from a financial advisor or counselor to understand the terms, costs, and potential risks associated with the loan.

Investment opportunities for foreign nationals with Individual Taxpayer Identification Numbers (ITINs) in the United States can be diverse and include various asset classes and strategies. Here are some investment opportunities to consider:

1. Real Estate Investment:

   • Purchase residential or commercial properties.
   • Invest in Real Estate Investment Trusts (REITs).
   • Participate in real estate crowdfunding platforms.

2. Stock Market Investments:

   • Buy and trade stocks and exchange-traded funds (ETFs).
   • Open a brokerage account and invest in U.S. equities.

3. Bonds:

   • Invest in U.S. government bonds, municipal bonds, or corporate bonds.
   • Diversify your portfolio with fixed-income securities.

4. Mutual Funds:

   • Invest in mutual funds that provide diversification across various asset classes.

5. Start a Business:

   • Start your own business in the United States.
   • Invest in or purchase an existing business.

6. Cryptocurrency:

   • Invest in cryptocurrencies like Bitcoin and Ethereum.
   • Use cryptocurrency exchanges to buy and trade digital assets.

7. Peer-to-Peer Lending:

   • Participate in peer-to-peer lending platforms to lend money to individuals or small businesses.

8. Retirement Accounts:

   • Contribute to an Individual Retirement Account (IRA) or a Simplified Employee Pension (SEP) IRA.

9. Education Savings:

   • Open a 529 savings plan for education expenses for yourself or a family member.

10. Precious Metals:

    • Invest in gold, silver, or other precious metals.

11. Venture Capital or Private Equity:

    • Consider investing in startups or private companies through venture capital or private equity funds.

12. Hedge Funds:

    • Invest in hedge funds that offer a range of investment strategies and opportunities.

13. Financial Planning:

    • Work with a financial advisor to develop a customized investment plan that aligns with your financial goals and risk tolerance.

It’s essential to consider your investment goals, risk tolerance, and the amount of capital you have available when deciding on the right investment opportunities. Additionally, consulting with a tax advisor or financial professional who specializes in international investments can help you navigate the complexities of investing in the U.S. with an ITIN, ensuring compliance with tax regulations and maximizing your investment returns.

Obtaining business credit as a non-resident can be challenging, but it’s not impossible. Here are some steps you can take to establish and build business credit in a country where you are not a resident:

1. Establish a Legal Business Entity:
   • Register your business as a legal entity in the country where you want to establish credit. Common options include forming a corporation, limited liability company (LLC), or another suitable business structure.
2. Obtain an EIN or Local Business Identification Number:
   • In the United States, you’ll need to obtain an Employer Identification Number (EIN) from the Internal Revenue Service (IRS). Other countries may have similar tax identification numbers.
3. Open a Business Bank Account:
   • Open a business bank account in the country where your business is registered. This account should be separate from your personal finances.
4. Build a Strong Business Credit Profile:
   • Start by establishing relationships with local suppliers, vendors, and creditors. Pay your bills on time to create a positive credit history.
   • Consider applying for a business credit card with a local bank or financial institution. Use it responsibly and pay off balances on time to build credit.
5. Monitor Your Credit Profile:
   • Regularly check your business credit report to ensure accuracy and track your credit history. In the United States, business credit bureaus like Dun & Bradstreet, Experian Business, and Equifax Business provide credit reports for businesses.
6. Establish Trade References:
   • Work with suppliers, vendors, and other business partners who are willing to report your payment history to credit bureaus. Positive trade references can boost your credit profile.
7. Apply for Small Business Loans or Lines of Credit:
   • After establishing some credit history, consider applying for small business loans or lines of credit from local financial institutions. Secured loans may be easier to obtain if you can provide collateral.
8. Build a Strong Financial Record:
   • Maintain accurate financial records for your business. This includes keeping well-organized accounting books, tax records, and financial statements.
9. Show Stability:
   • Demonstrate that your business is stable and has a reliable source of income. Lenders and creditors are more likely to extend credit to businesses with a strong financial track record.
10. Seek professional advice.
    • Consult with local financial advisors or legal experts who can provide guidance on building business credit in your specific location.

Keep in mind that the process of building business credit as a non-resident may vary depending on the country and local regulations. It’s essential to understand the specific requirements and credit reporting agencies in your target country. Additionally, building business credit takes time, so be patient and persistent in your efforts. GCA Forums are experts in helping non-residents with business credit.

I can across a company called “United Wholesale Mortgage.” Has anyone heard of them?

Another message from the one and only, Kevin DeLory. Thank you Kevin, for sharing

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Is the bird flu really here, or is it COVID-19 in disguise? The strain is HSN1, another flu strain, and each year they are getting worse, or are they really? In 2013, 900 people contracted the bird flu, and more than half died. Is this enough to be a pandemic?

Farmer workers and ranchers are at the highest risk of coming down with HSN1. I was unable to find where the 900 people got sick. I’m almost certain they worked on farms and ranches that lacked regular monitoring. Mostly found in meat and dairy, bird flu arrives and, voila, the price of eggs goes up, which has happened in the past few years.

I was amazed at the death statistics for flu deaths during COVID; there weren’t as many as previous years. I think all the flu stats were compiled together with COVID to make COVID worse. Thousands of people die of the flu each year, but not during COVID years. It was once called Trump’s flu.

With the election this November what will this flu be called, will CDC call it a pandemic? Or will it be a political stratagem? Biden Bird Flu, Biden Goodbye Flu, Trump’s Flu II. Both parties will cause chaos and come to the rescue, too bad the public will suffer.

It’s time to stock up on toilet paper and common sense.

My friend Greg Stadlin of Collier RV in Northern Illinois referred me to one of his clients, David. David did a complete renovation of his 37 feet RV which included two new slide outs. I spoke with David today and he said he spent $150,000 to renovate his RV with two new slide outs, interior and exterior. He will send me pictures of before and after of his RV. I can stop by the storage at Collier RV and take a look. I have a 2001 Tiffin Zephyr 42 ft. coach with only 52,000 miles I was thinking of trading in for a newer one but am afraid of losing value. RVs depreciate more than any other property or vehicles.

Whether Maine is a good place to live depends on your personal preferences and priorities. Maine offers several advantages, but it also has its drawbacks. Here are some factors to consider:

Pros of Living in Maine:

1. Natural Beauty: Maine is known for its stunning natural landscapes, including rugged coastlines, picturesque lakes, and dense forests. If you enjoy outdoor activities like hiking, camping, and fishing, Maine offers abundant opportunities.

2. Quality of Life: Maine often ranks highly in terms of quality of life metrics, including low crime rates, good healthcare, and a strong sense of community.

3. Four Seasons: Maine experiences all four seasons, which can be appealing if you enjoy a variety of weather conditions and outdoor activities associated with each season.

4. Education: Maine has some excellent schools and universities, making it a good place for families looking for educational opportunities.

5. Lobster and Seafood: Maine is famous for its seafood, particularly lobster. If you’re a seafood lover, you’ll find plenty of delicious options.

6. Low Population Density: Maine has a relatively low population density compared to many other states, which can mean less crowded living conditions and a slower pace of life.

Cons of Living in Maine:

1. Harsh Winters: Maine’s winters can be long and harsh, with heavy snowfall and cold temperatures. If you dislike cold weather, this may not be the place for you.

2. Economic Factors: Maine’s economy is diverse but has faced challenges in the past, including a relatively high cost of living in some areas and limited job opportunities in certain industries.

3. Rural Areas: While the natural beauty is a pro for many, it can also mean that some parts of Maine are quite rural and may lack access to urban amenities and services.

4. Tourism Impact: In some areas, particularly coastal communities, the local economy is heavily dependent on tourism, which can lead to seasonal fluctuations in job availability and increased living costs during tourist seasons.

5. Limited Diversity: Maine has a predominantly white population, which may not appeal to those seeking a more diverse cultural environment.

Ultimately, whether Maine is a good place to live depends on your lifestyle preferences and priorities. It’s a state with unique natural beauty and a strong sense of community, but it may not be the right fit for everyone, especially if you’re not fond of cold winters or prefer a more urban environment. It’s a good idea to visit and spend some time in the state to get a feel for what it’s like before making a decision to move there.