Many homebuyers with less than perfect credit or marginal credit and/or income are afraid of entering into a real estate purchase contract in the event they get denied. However, mortgage lenders like GCA FORUMS MORTGAGE GROUP, powered by Gustan Cho Associates offers TBD Mortgage Approval, which is a full loan commitment issued by the underwriter with the exception of the subject property. Our viewers and borrowers get a lot of Frequently Asked Questions from homebuyers on how TBD Mortgage Approval works. Can you please detail the most FAQs on To Be Determined Mortgage Approval from consumers, renters, first-time homebuyers, and homebuyers with bad credit?

https://www.youtube.com/watch?v=xPMa4YgZWNQ&list=UULFr4dNcNC6p1xJiLjdc6KoFA&index=16

How do you get into a 1st time homebuyers program? And how do some people pay 0% down on a house being a first time homeowner?

Relocating to a new city, even within the same state,state, can be extremely challenging. Aside from pizza, Chinese food,and barbers, there are medical concerns. My experience has been as a retiree looking for medical, dental, and veterinary care, all can be scams so be careful.

Upon retirement, I received Medicare, not Medicaid; there is a big difference between the two. You have seen the commercials on television for private plans, which you may need an attorney to help explain. Social Security deducts about $100 or so each month from Medicare coverage. They offer HMOs and PPOs, depending on your needs. HMOs need referrals from their primary care doctor; you can’t choose your own specialty doctor. PPOs do not need any referrals, but it is more expensive. I moved from Tampa to Ocala, one hundred miles away, which put me in another network area. If I stayed with the basic Medicare program, I would be out of area for my present doctors, or what they now call healthcare providers. What a joke! I opted for the PPO to keep my current doctors. I will drive over 200 miles round trip to see my gastroenterologist and cardiologists; they are real doctors that actually listen to you.

Health care providers, which are not doctors but nurses. They have no six-year medical degree. They ask questions to determine how to treat you. You will always be put in a certain category. They provide health care based on numbers, not by diagnosis. You are a number.

Remember when the doctor made house calls? The doctor that delivered me, Dr. Violotti, made house calls until he retired. The medical field is controlled by insurance companies. If you need a life-saving medicine that is not approved by the insurance company, you are a royal screw.

Trulance was a medicine prescribed for me, a gastro medicine, for $500 per 20 pills. I sampled some, and it is a lifesaver for me. It will be generic in 10 years, I’ll be 81! Big Pharma is the greediest of all. They prefer to pay a nurse rather than a doctor. In 10 years, there probably won’t be doctors.

If you choose a PPO, you can get a cash allowance through CVS for $35 each month—stuff you really don’t need. We moved out of the area and forfeited this allowance and coverage for a month! We have no coverage until the first of the month.

When looking for a dentist, they are mostly run by big corporations. You visit a dentist; as I did two years ago, he wanted to remove my veneers; there were cavities, which there were not. They take X-rays and determine which root canal to do and which crown to put on, not to mention dental hygiene, which is a crook of shit. Then glance over your teeth. I quit smoking 10 years ago. When can I expect the stains to be cleaned? My projected cost was $12,000, but you can get work done slowly and pay accordingly. What they will do is remove my four front veneers and make me toothless until the work is hurried and I pay in full. The dentist has become a salesman, charging you for unnecessarily dirty work.

Some good advice I found is that there are always neighborhood sites that can lead you in the right direction, like a like a dentist, etc. A very useful tool.

2024 Democratic National Conventional Kicks Off Today Monday, August 19th, 2024. Tens of thousands of protestors were protesting the Democratic National Conventional overwhelming Chicago Police. DNC’s pro-Palestinian protests draw thousands in Chicago. Thousands of mostly peaceful pro-Palestinian protesters marched in Chicago on the opening day of the Democratic National Convention on Monday, in a show of anger against the Biden administration’s support for Israel in the Gaza war. Protesters breach fence line near United Center on 1st day of DNC with at least a dozen protestors arrested by Chicago Police.

https://www.youtube.com/watch?v=IF3g5SecXHg

• This discussion was modified 9 months, 3 weeks ago by  Gustan Cho.

Can we get a fha cash out refinance loan while in chapter 13 100% plan? We have 49 remaining monthly payments.

Can me and my husband by ONE house each rent them out and then use that income to buy our forever home?

Can recent late payments be deleted off your credit report?

Can a gift of equity cover not just down payment/closing costs, but paying off an auto loan at closing to get my son’s DTI to qualify?

Can I get a mortgage for TWO single-family homes ONE year after chapter 13 discharge with 20% down and 733 credit score?

What is the purpose of TRID? What is TRID in the Mortgage Loan Process? What Are The Requirements of a TRID Loan? What Are The 6 TRID REQUIREMENTS? WHAT ARE THE RULES FOR TRID COMPLIANCE?

Population numbers in cities with high property taxes are decreasing. The populations of cities with high property taxes are dropping rapidly, as scores of homeowners are shifting to other cities where property taxes are lower. This is a key issue which needs to be recognized because it shows us important facts about our communities and housing markets. This phenomenon is happening in different parts of the United States too. Here’s an overview:

Tax Migration: The movement from high-tax areas to low-tax ones is often referred to as “tax migration” or “tax flight.”

Property Taxes: High property taxes act as one major driver for this trend; however, they usually come within the context of a wider high-tax environment encompassing income and sales tax.

Major Examples:

New York has had many people leave them recently due their state’s high taxation policy; Illinois (especially Chicago) has seen similar numbers go away over time because theirs are just too expensive; California also experiences significant outflows annually from those who can no longer afford living there.

On the other hand, states such as Florida or Texas which do not levy individual income taxes at all attract lots newcomers looking seek refuge away From these burdens; Tennessee falls into this category too

Scope: Each year tens-of-thousands leave large metropolitan regions alone – much less smaller ones like Buffalo NY or Cleveland OH – altogether accounting for millions across America each decade!

Implications For Cities: There could be urban decline if people keep leaving cities with higher taxes. City governments may earn less money and struggle with budgets.

Remote Work: With COVID-19 forcing companies into allowing employees work remotely full-time, more working individuals have been given an opportunity never before possible – move without switching jobs!

Cost Of Living Among Other Factors: Taxes definitely drive some moves but things such as cost living differences job availability climates etc also make up part or all motivation behind migration patterns

Political Representation & More: Political power will shift when enough people move out; economies will change too origin places get new businesses destination areas see theirs decline; housing markets could crash in former hotspots while booming elsewhere…

Policy Solutions: Some higher taxed areas are considering implementing new policies that will help them keep residents from leaving. They may reduce taxes or provide other incentives.

Complexity: Causes and effects of this trend can be complex and vary by region, but it is happening!

This shift in where people live is changing who represents them and how their cities are run. It could alter housing markets forever as well… There may be long-term implications for political representation, local economies, and housing markets in origination & destination cities alike.. That being said take into account each specific situation because what’s true here might not hold water elsewhere

https://youtu.be/yrNjUCmTURg?si=PoySl46rKGWN2-Ys

• This discussion was modified 11 months, 1 week ago by  Gustan Cho.

70% of Americans feel Joe Biden is mentally incompetent to run for reelection. This SUBFORUM is created so members can show Joe Biden caught on tape being senile and mentally incompetent.

https://youtube.com/shorts/uC272rKMvIA?si=z6wml_JssBFzJn9X

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

To Jill Biden, even at the cost of her husband Joe Biden making a total fool of himself around the the Globe, she’s pushing Joe to run for President of the United States. This is self fish, not right, inhumane, and right down evil. Jill Biden is an exact replica of Edith Wilson, First Lady and wife of President Woodrow Wilson who had a stroke in the White House 🏠. Jill Biden’s actions are despicable and outright wrong. Jill Biden is becoming very unlikeable among both parties Democrats and Republicans. Jill Biden has political aspirations of her own to become a United States Senator 🇺🇸 and is using her political goals and power hunger at the expense of her husband Joe Biden who is obviously suffering from late stage stage 6 dementia.

https://youtu.be/dl84TfPCqYk?si=Y7TfBsfQjYl0ARaS

Democrat Doctor says Joe Biden has Parkinson Disease and states the signs of the disease. The doctors symptoms explains what Joe Biden is going through

It’s a must watch video.

https://youtu.be/qDnCAFptBJQ?si=7t0KCenCTjQiCIjH

I just wanted to share with everyone how important it is to have an amazing friend. Today, my friend’s house caught on fire and she immediately called me in a panic. Even though I had no idea where her house was, I reassured her that I was on my way. In the midst of assisting her with a loan, I quickly pulled up her address and rushed to the scene.

Seeing the devastation firsthand was heartbreaking. The fire had destroyed precious family photos and heirlooms, including a table that belonged to her great grandmother. As the firefighters worked to extinguish the flames, my friend realized she needed to contact her insurance company, but she couldn’t remember the name or details. Thankfully, I had all the information she had previouslyu emailed me, so I assured her that I would take care of it.

What struck me the most about this experience was how everything fell into place. It felt like a divine intervention, with all the necessary information coming together within a matter of minutes. I am incredibly grateful that my friend and her family were not home at the time of the fire, as they might have risked their lives trying to save their belongings. Unfortunately, the house was a total loss.

It was definitely an eventful day, but it reminded me of the importance of having a supportive friend in times of crisis. We never know when we might need someone to lean on, and I am grateful that I could be there for my friend when she needed it the most. As I reminded her , she was there for me . When my Dad passed , help cleaning out the attic.

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.

Alex Jones breaking news on Michelle Obama, Barack Obama’s transgender spouse has proof Michelle Robinson Obama is Michael Robinson Obama and is a transgender. Michelle Obama has a penis and has not chopped it off yet.

https://www.youtube.com/watch?v=ouJ_qo8YZPA

Regulators are tightening up on kickbacks

Freedom Mortgage got nailed for kickback RESPA violations. Not worth it

Dan Bongino livid at Bill O’Reilly because Bill O’Reilly called Dan Bongino a fanatic because Dan Bongino said even Democrats don’t want illegal immigrants to vote. Look at Dan Bongino podcast. A lot of F# and MF BOMBS.

https://rumble.com/v52t19p-dan-bongino-destroyed-bill-o-riley-wow-.html

rumble.com

Dan Bongino Destroyed Bill O Riley wow 🤯

Tip/Donating (everything I do is free, so any tips are appreciated) https://www.givesendgo.com/theunshakeablepundit Truth Seeker in my Spare Time You Can Follow Me at: Telegram is my home base of Oper

God created man and woman and nothing in between. Look at this video clip.

https://youtu.be/Gw3VHX9JbQw?si=rTevuMTXmnE3F1Ub

• This discussion was modified 11 months, 3 weeks ago by  Doc.

Who is this Anthony Fauci? Is he a medical doctor? Does he have a PhD? Does Anthony Fauci a real doctor? Is the information that Dr. Anthony Fauci worked for more than 50 years at the National Institutes of Health worked to manage U.S. public health crises, such as the HIV/AIDS epidemic in the 1980s, the West Nile Virus outbreak in 2009, H1N1, Ebola, Zika and Severe Acute Respiratory Syndrome (SARS), among others true? Did doctor Fauci was leading monster to have created and launched coronavirus and was in charge of developing the coronavirus vaccine to be used as a weapon of mass destruction? Did Dr. Fauci kill thousands of Beagle dogs to use them for lab testing purposes? Is Dr. Fauci a monster or a real doctor who wants to help people?

https://www.youtube.com/watch?v=KxwcdiX9dPI

• This discussion was modified 1 year ago by  Danny Vesokie | Affiliated Financial Partners.

The Biden Administration and supporters of Joe Biden such as the mainstream media are trying to brain wash Americans that the economy is in great 👍 shape and Joe Biden is the president who fixed inflation and the economy. The Biden Administration and Biden supporters and the mainstream media announced vvictory soft landing on inflation and Joe Biden Administration avoided a major Great Recession. This is total bullshit lies after lies. Joe Biden is clueless and his administration is full of idiots that don’t know what they are doing. Don’t fall in to buy now pay later technique that Democrats are pushing. We are in great period of uncertainty. Inflation is soaring out of control. Real unemployment numbers are through the roof. Data released by the Biden Administration are total lies. There are no jobs created. Job numbers reported are part time jobs or temporary jobs. Treasury Secretary Janet Yellen, Fed Chairman Jerome Powell, and Joe biden are all incompetent cheating lying worthless political hacks. Read this video clip

https://youtu.be/eEB_YdElBS4?si=82f5kB0hEs4rH66C

Florida the land of retirees, oranges and Mickey Mouse. For years Florida has been a safe haven for old folks. The weather is ideal once you get passed hurricanes and alligators. Every state requires acclimation. When I lived in the mountains the air was thinner so it took time to get acclimated. Water takes longer to boil. When I lived in the city everything moved fast. Florida you think moves slow, well let me inform you it doesn’t. Maybe back in the day, but lately the traffic is out of hand. The influx of norther people has changed the state. No longer grandma and grandpa, big corporation set up shop. During Co-Vid when we were isolated, working remotely seemed to be the answer. It’s true the weather is great in the south. But where is the south? The Mason Dixon Line actually borders Pennsylvania. I guess south Philly is really the south. Whereas Florida is really in the south, Key West being the southern most point of the USA. How about the Deep South? Alabama and Mississippi, you can’t get anymore south as far as culture. You know you’re in the south when you start saying, “Y’All.” The food is different, the music is also different. My big acclimation has been the bugs. Have you ever seen mosquitoes in Louisiana? They can swoop down and pick up a little dog. Being Italian and loaded with that wonderful aroma of garlic I thought I was immune. No way! Roaches as big as mice, you’ll always know when its humid, they suddenly appear everywhere. Rats, yep we got them too, fruit rats, sounds much nicer than sewer rats. Lizards are everywhere, they used to be a bright green color like the Geico lizard. Then black northern lizards moved in and ate the green guys, evolution? Housing prices have doubled in the past five years, gas and food are at an all time high. The cost of living is so high for us elderly that we see every mouth our savings dwindle. $500.000 for a shack, but it has location. I have been checking the prices of houses in Pennsylvania lately. Some Florida half million dollar shack is $250,000. Maybe I’ll trade in my suntan lotion for a snow shovel and retire up north.

Here’s a great 👍 informative video clip from VINWiki about car Depreciation the minute you drive it off the auto dealership. Electric cars, like all vehicles, experience depreciation, but there are specific factors that influence the rate at which they lose value. Here’s an overview of how electric cars depreciate and the factors affecting their depreciation rates:

Factors Influencing Depreciation of Electric Cars

1. Battery Life and Technology:

   • Battery Degradation: The lifespan and efficiency of the battery are critical. Over time, batteries lose their ability to hold a full charge, which can decrease the car’s range and performance.
   • Technological Advances: Rapid advancements in battery technology and electric vehicle (EV) features can make older models obsolete faster than traditional vehicles.

2. Government Incentives:

   • Tax Credits and Rebates: Federal and state incentives for new electric car purchases can reduce the initial cost, but these incentives don’t apply to used cars, which can affect resale values.
   • Policy Changes: Changes in government policies regarding incentives can also impact the depreciation rates.

3. Brand and Model Perception:

   • Brand Reputation: Brands with a strong reputation for quality and reliability tend to depreciate more slowly.
   • Model Popularity: Highly popular models with good reviews and strong market demand retain their value better.

4. Market Demand:

   • Consumer Preferences: As consumer interest in EVs grows, demand for used electric cars can help stabilize depreciation rates.
   • Resale Market: A well-established resale market can positively impact depreciation rates.

5. Mileage and Usage:

   • Lower Running Costs: EVs typically have lower running costs, which can make them more appealing on the used market.
   • Usage Patterns: How the car has been used (e.g., city vs. highway driving) and overall mileage will affect its resale value.

Depreciation Rates Comparison

Electric vs. Gasoline Cars:

• Higher Initial Depreciation: Electric cars generally depreciate faster initially compared to gasoline cars. This is partly due to the high cost of the battery and rapid technological advancements.
• Long-term Trends: Over time, as the market for electric vehicles matures and battery technology stabilizes, depreciation rates for EVs may become more comparable to those of traditional vehicles.

Examples and Data

Tesla:

• Model S and Model 3: Tesla vehicles, particularly the Model S and Model 3, have shown better-than-average resale values compared to other electric cars. This is attributed to Tesla’s strong brand reputation, continuous software updates, and high consumer demand .

Nissan Leaf:

• Rapid Depreciation: The Nissan Leaf, one of the earlier mainstream electric cars, has experienced rapid depreciation. Factors include its older battery technology and the availability of newer, more advanced EV models .

Conclusion

Electric cars depreciate due to factors such as battery life, technological advancements, government incentives, brand reputation, and market demand. While they may depreciate faster initially compared to gasoline cars, certain models, like those from Tesla, tend to retain their value better. As the market for electric vehicles continues to evolve, these depreciation trends may change.

https://www.facebook.com/share/v/e8d3zYemG5W6wwrG/?mibextid=D5vuiz

• This discussion was modified 1 year ago by  Gustan Cho.

facebook.com

Market Insights on the Values of High-End EVs! | Market Insights on the Values of High-End EVs! | By VINwikiFacebook

Market Insights on the Values of High-End EVs!

“Okay class, simmer down, simmer down, this weekend’s reading assignment will be pages one through fifty in “To Kill a Mockingbird.” Yes, Jimmy, you have a question?” Yes’m ma’am, my momma and daddy won’t let me read that book.” Why replied the teacher? “ It’s offense to my parents, it uses the N word.” Jimmy, go home and tell you parents it’s supposed to offend us. Banning books is like banning history, oh wait they want to change that, too because it offends people. You know what happens if you start banning books? Your freedom is challenged. First Mockingbird, next Huck Finn, and maybe the Bible, who knows? American Literature is a history lesson. When John Steinbeck wrote, “Of Mice and Men,” he depicted the era of Depression. Where else would we get a first hand lesson by an eye witness of the Depression. Not many people are still alive to talk about it. Was there a lesson? When Atticus Finch states, “ you will never know a person until you walk in their shoes.” Yes, a big lesson about racism. Huck Finn befriends Jim a slave. Message? Mockingbird and Huck Finn are called, “coming of age,” novellas. When a child starts on one path and sees the other path. A story of personal growth. Mockingbird, similar genre, only he is an adult. An attorney who finally debates racism. They don’t write them like that anymore. There are lessons people refuse to see. You can’t ban books, you are giving up your First Amendment. Next they will ban, “Old Man and the Sea,” because of animal cruelty. He killed a marlin. Oh, wait, the message, did he really kill a marlin? Or was their some other meaning to the story.

I’m not sure where to post this, religion, pets, or hobbies.

Sex before marriage is a sin, unless you do it doggy-style, all dogs go to heaven.

Some of my works, all available on amazon

The most misunderstood wine