Education Danny Vesokie | Affiliated Financial Partners
EducationForum Replies Created
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Where can I get the zero cent Biden Coin.
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Oh NO. WTF did Viviani do?
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As in other states, hard money loans in Utah are real estate loans secured by the property rather than the borrower’s creditworthiness. These loans are typically used for short-term financing, such as fix-and-flip projects, real estate investments, or quick financing. Here’s a detailed overview of hard money loans in Utah:
What Are Hard Money Loans?
Short-Term Loans: Hard money loans are usually short-term, ranging from 6 months to a few years.
Secured by Property: The primary basis for the loan approval is the property’s value used as collateral.
Higher Interest Rates: These loans often come with higher interest rates than traditional bank loans due to the increased risk to the lender.
Faster Approval: Approval and funding are typically much quicker than conventional loans, often within days.
Uses of Hard Money Loans:
Fix-and-Flip: Popular among real estate investors who buy, renovate, and sell properties for profit.
Bridge Financing: Used to bridge the gap between purchasing a new property and selling an existing one.
Commercial Real Estate: Financing for commercial property acquisitions or renovations.
Land Loans: Purchasing land for development or investment.
How Hard Money Loans Work in Utah:
Property Valuation: The loan amount is based on the property’s after-repair value (ARV) or current market value.
Loan-to-Value Ratio (LTV): Lenders typically offer 60-75% of the property’s ARV or market value.
Down Payment: Borrowers may need a substantial down payment, especially if the LTV is low.
Interest Rates and Fees: Expect higher interest rates (often 8-15%) and additional fees such as origination fees, closing costs, and sometimes prepayment penalties.
Repayment Terms: Short-term, often interest-only payments with a balloon payment at the end of the term.
Finding Hard Money Lenders in Utah:
Local Real Estate Networks: Engage with local investment groups or networks to find reputable hard money lenders.
Online Lender Directories: Websites like BiggerPockets, Private Money Lending Guide, or real estate forums can be useful resources.
Referrals: Ask real estate agents, brokers, or other investors for recommendations.
Lender Search: Use search engines to find hard money lenders in Utah and review their terms, rates, and reputation.
Pros and Cons of Hard Money Loans:
Pros:
- Quick Funding: Ideal for situations requiring immediate financing.
- Flexible Terms: Terms can be more flexible than traditional loans.
- Credit Flexibility: Borrowers with less-than-perfect credit can still qualify.
Cons:
- High Costs: Higher interest rates and fees compared to conventional loans.
- Short Term: Loans must be repaid quickly, which can be risky if the property doesn’t sell or generate income as expected.
- Risk of Foreclosure: If you fail to make payments, the lender can foreclose on the property.
Steps to Obtain a Hard Money Loan in Utah:
Identify a Property: Find a property you want to invest in and determine its ARV.
Choose a Lender: Research and select a reputable hard money lender.
Application: Apply with details about the property and your investment plan.
Appraisal: The lender will appraise the property to determine its value.
Approval: Once approved, you’ll receive a loan offer outlining terms and conditions.
Closing: Close the loan, often within a few days, and receive funding to proceed with your investment. Hard money loans can be a valuable tool for real estate investors in Utah, providing quick access to funds and flexible terms. However, they come with higher costs and risks, so it’s important to carefully evaluate your investment plan and ensure you can meet the repayment terms. Working with reputable lenders and having a clear exit strategy will help you make the most of hard money financing.
https://gustancho.com/buying-a-house-in-salt-lake-city-utah/
gustancho.com
Guide to Buying a House in Salt Lake City Utah
Buying a house in Salt Lake City Utah is a great investment for homebuyers and real estate investors due to the appreciating values in real estate.
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Joe Biden will become the worst President in the history of the United States and nobody comes close.
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Chem Trails is real folks. Chem trails to depopulate people and poison our food supply is no longer a conspiracy theory. It is the fact. Every day you go out and see Chem trails, you now know the Democrats and Globalists is trying kill you and your family and our food supply.
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Mesa Police Lieutenant Rick Van Galder was arrested in 2016 after being caught driving under the influence in Gilbert, Arizona. During the traffic stop, Van Galder attempted to leverage his position as a law enforcement officer to receive lenient treatment, expecting professional courtesy from the arresting officers. His behavior exemplified a sense of entitlement and belief that he was above the law. This incident highlighted issues of accountability and ethics within the police force.
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Thank you for providing additional information about the Rio Arriba County Undersheriff Martin Ray Trujillo case. This situation is related to the previous case involving former Sheriff James Lujan. Here’s a summary of the key points you’ve shared:
Subject: Martin Ray Trujillo, Undersheriff of Rio Arriba County. Incident date: May 21, 2020
Allegations: Ordered deputies to draw firearms on officers from Española Police Department and Taos County Sheriff’s Office. These officers were attempting to execute a search warrant on then-Sheriff James Lujan.
Initial charge: Aggravated assault on a peace officer (a fourth-degree felony)
Resolution: Trujillo agreed to retire at the end of the month. In exchange, the prosecutor agreed to drop the charge.
Terms of agreement: Charges dismissed “without prejudice”. This means charges could be refiled if Trujillo doesn’t follow through with retirement. This case, along with the previous one involving Sheriff Lujan, suggests a pattern of problematic behavior within the Rio Arriba County Sheriff’s Office leadership. It raises concerns about abuse of power, obstruction of justice, and inter-agency conflicts in law enforcement. The resolution of Trujillo’s case through retirement rather than prosecution is a controversial approach that may be seen as either a practical solution or as allowing misconduct to go unpunished, depending on one’s perspective. These cases highlight the complexities and challenges in addressing alleged misconduct within law enforcement agencies, particularly when it involves high-ranking officials.
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I will vote for the FELON
I am not in a cult, I do not worship Trump. I like the policies and the things he got done while in office. Here is a list of the things Trump did while in office, which can all be verified. This is why I will vote for him again. It is not emotionally based, and there are no feelings involved.
Read this list and tell me you do not want this for our country. How can any American not want this?
To the left stop screaming orange man bad and read.
Will you vote on policy in 2024 or emotion?
👇👇👇👇👇👇👇👇👇👇👇👇👇
Trump’s accomplishments as President.
ECONOMIC OPTIMISM
– 95% OF U.S. manufacturers optimistic about the future – the highest rate ever recorded
– consumer confidence at an all-time high
– small business confidence at an all-time high
– stock market at an all-time high
JOB CREATION / RECORD HIGH EMPLOYMENT / RECORD LOW UNEMPLOYMENT
– almost 4 million jobs created!
– > 400,000 manufacturing jobs created (Manufacturing jobs growing at fastest rate in more than 30 years)
– more Americans employed than ever before in U.S. History
– unemployment claims hit a 49-year low
– African American unemployment – lowest rate ever recorded
– Hispanic-American unemployment – lowest rate ever recorded
– Asian-American unemployment – lowest rate ever recorded
– Women’s unemployment – lowest rate in 65 years
– Youth unemployment – lowest rate in almost 50 years
– unemployment for people w/o a high school diploma – lowest rate ever
– Veterans’ unemployment – lowest rate in almost 20 years
ECONOMIC GROWTH
– Hit 4.2% in one quarter
– retail sales surged over previous years, including highest-ever holiday sales in 2019
– sales of new single-family homes up 31.9% over previous year in October 2019 (More families able to build and buy their own homes.)
HIGHEST EVER MEDIAN HOUSEHOLD INCOME
– 3.9 million Americans lifted off food stamps
– The 25% lowest-paid Americans enjoyed a 4.5% income boost in Nov. 2019, outpacing the 2.9% gain in earnings by the nation’s highest paid workers.
– The poverty rate fell to a 17-year low of 11.8% due to a jobs-rich environment
TAX CUTS
– Signed biggest package of tax cuts in U.S. history
– $300 billion poured back into economy in the first quarter after cuts
– Small businesses have lowest top marginal tax rate in more than 80 years
MINORITY ADVANCEMENTS
– Poverty rates for African Americans and Hispanic Americans have reached their lowest levels since the U.S. began collecting data
– President Trump’s historic tax cut legislation included new Opportunity Zone Incentives to promote investment in low-income communities across the country
– 8,764 communities across the country have been designated as Opportunity Zones
– Opportunity Zones are expected to spur $100 billion in long-term private capital investment in economically distressed communities across the country
– As mentioned above, unemployment at an all-time low for African-Americans, Hispanics, and Asians
LGBT ADVANCEMENTS
– Appointed five openly gay U.S. ambassadors
– Trump ordered Ric Grenell, his openly gay ambassador to Germany, to lead a global initiative to decriminalize homosexuality across the globe
– Appointed the first openly gay person to a cabinet-level position
EDUCATION
– Directed the Education Secretary to end Common Core
– Called on Congress to pass school choice legislation so that no child is trapped in a failing school because of his or her zip code
– Signed legislation in September 2018 that increased funding for school choice by $42 million
– The tax cuts signed into law by President Trump promote school choice by allowing families to use 529 college savings plans for elementary and secondary education
– As part of the Pledge to America’s Workers, increased vocational training to 4 million people
– Signed the first Perkins CTE reauthorization since 2006, authorizing more than $1 billion annually for states to fund vocational and career education programs
– Issued executive order expanding apprenticeship opportunities for students and workers
– Created a White House position for a director of HCBUs (Historically Black Colleges and Universities)
– Increased funding for HBCUs by 14%.
ENERGY POLICY
– Approved the Keystone XL and Dakota Access Pipelines
– Opened ANWR
– U.S. oil production reached an all-time high, surpassing Russia and Saudi Arabia to become the world’s largest oil producer
– Increased coal exports by 60%
– U.S. became a net-neutral natural gas exporter for first time since 1957
– Cancelled the anti-coal Clean Power Plan
HEALTHCARE
– Eliminated the individual mandate penalty of Obamacare.
– Provided more affordable healthcare options through association health plans and short-term duration plans.
– Enacted “right-to-try” legislation to allow terminally ill patients to try therapeutic treatments as advised by their physicians.
– Signed an executive order forcing healthcare providers to disclose the cost of services to enable consumers to comparison shop, saying no American should be blindsided by bills they did not agree to in advance
– Signed an order allowing small businesses to group together to negotiate better insurance rates for their employees
– Signed the Preventing Maternal Deaths Act to help states develop maternal fatality reviews with an emphasis on reducing the higher maternal mortality rate for African- Americans
PHARMACEUTICALS
– Trump’s FDA approved a record number of affordable generic drugs
– Signed a bill legalizing hemp and CBD oil
– Signed a law ending the gag order on pharmacists that prevented them from sharing cost-saving information
– Persuaded many drug companies to freeze or reverse planned price increases
– Reformed Medicare to prevent hospitals from overcharging low-income seniors for drugs, saving seniors hundreds of millions of dollars annually
– Signed a law allowing some drug imports from Canada to reduce prescription costs
– Agreed to provide HIV prevention drugs for free to 200,000 uninsured patients per year for 11 years
OPIOIDS
– Secured $6 billion in new funding to fight the epidemic
– Helped to reduce opioid prescriptions by 16% during first year in office
DEFENSE
– Secured $700 billion in military funding.
– Encouraged NATO allies to contribute more to their own defense ($69+ billion since 2016)
– Established the Space Force as the 6th branch of our military
– Issued an executive order to keep Guantanamo Bay open
JUDICIAL IMPACT
– Confirmed more circuit court judges than any other first-term administration
– Confirmed two conservative justices to the Supreme Court: Neil Gorsuch and Brett Kavanaugh
VETERANS
– Signed the VA Choice Act
– Signed the VA Accountability Act
– Expanded VA telehealth services, walk-in clinics, same-day, urgent, primary, and mental healthcare
– Created the White House VA Hotline and staffed it with veterans
– Held VA civil servants accountable for past misconduct by removing, demoting, or suspending 4,000 employees
– Trump signed a measure funding prevention programs for Veteran suicide
REGULATORY REFORM
– Eliminated a record number of regulations
– Enacted regulatory relief for credit unions and community banks
INTERNATIONAL
– Secured bid for 2028 Summer Olympics 2028 in Los Angeles
– Secured bid for World Cup 2026 (U.S.-Mexico-Canada united)
– Withdrew the U.S. from the job-killing Paris Climate Accord
– Withdrew from Obama’s horrible Iran Deal
– Moved the U.S. Embassy in Israel to Jerusalem
– Replaced NAFTA for better trade deal with Canada and Mexico
– Reached agreement with the E.U. to increase U.S. exports
– Imposed tariffs on steel and aluminum imports for U.S. security purposes
– Protected Americans from terrorism by restricting individuals traveling from known terror centers (ban upheld by the Supreme Court)
– Improved vetting and screening of refugees
– Companies have brought back over a TRILLION dollars from overseas because of the TCJA bill that Trump signed.
– Reigned in China on technology transfer, intellectual property theft, and abusive trade practices
– Increased net U.S. exports by $59+ billion annually
– Imposed sanctions on the socialists in Venezuela who have killed their citizens
– Finalized new trade agreement with South Korea
– Made a deal with the European Union to increase U.S. energy exports to Europe
– Withdrew the U.S. from the job-killing TPP deal
– Secured $250 billion in new trade and investment deals in China and $12 billion in Vietnam
– Had over a dozen US hostages freed, including those Obama could not get freed
– Secured a historic deal between Israel and the UAE to advance peace and prosperity in the region
ENVIRONMENT
– Signed the biggest wilderness protection and conservation bill in a decade. It creates five national monuments, expands several national parks, adds 1.3 million acres of wilderness, and permanently reauthorizes the Land and Water Conservation Fund
– Signed the Save Our Seas Act to fund plastic and garbage clean-up in the oceans
– U.S. still leads the world in having the largest reduction in Carbon emissions, despite refusing to sign the climate accord
ILLEGAL IMMIGRATION
– Reinforced the U.S.-Mexican border
– Issued an executive order in June 2018 to end separation of families at the U.S.-Mexican border (the “caging” and separation began under the previous administration)
– Secured billions to fund the building of a wall at our southern border; construction underway.
NATIVE AMERICAN RELATIONS
– Enacted legislation to compensate the Spokane tribe for loss of lands in the early 1900s
– Enacted legislation to fund Native American language programs
– Enacted legislation to give federal recognition to the Little Shell Tribe of Chippewa Indians in Montana
CRIMINAL JUSTICE REFORM
– Enacted the First Step Act, which:
– Overhauls sentencing, mandatory minimums, and early-release programs to reduce mass incarceration
– Lowers recidivism by offering more rehab and job-
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Here’s an article about James O’keefe and the rise and fall of Project Veritas on Rolling Stone Magazine.
rollingstone.com
Inside the Rise and Fall of Project Veritas
James O’Keefe helped transform U.S. conservatism into a war machine with his undercover videos — then it all imploded