[Doc]

Here’s a complete summary answering your questions concerning the biography and judicial biography of former Doña Ana County Magistrate Judge Joel Cano and his wife, Nancy Cano, their arrests for allegedly concealing Cristhian Ortega-Lopez, believed to be associated with the Tren de Aragua gang, and some other inquiries around the case. I intend to disentangle conflicting accounts, explain the comparison with the judge from Wisconsin, fill in the gaps where I can without violating facts, and comply with known facts, avoiding baseless conjecture.

Overview of the Case

Arrest and Charges:

Date and Location:

• On April 24, 2025, former Doña Ana County Magistrate Judge Joel Cano (68) and his wife, Nancy Cano (67), were arrested by FBI and Homeland Security Investigations (HSI) agents at their home in Las Cruces, New Mexico.

Charges:

• The couple faces federal charges of evidence tampering.
• The Justice Department alleges they attempted to hide incriminating evidence, particularly by getting rid of a phone that is believed to have been owned by Cristhian Ortega-Lopez and had images and videos of him brandishing firearms.
• Joel Cano has admitted to decapitating the phone with a hammer and tossing it through a dumpster, which he believed would forever be exiled from Idaho in hopes that the trash would indeed shut the collection sights of Ortega-Lopez.

Allegations of Harboring:

• They accuse harboring suspicions over Cristhian Ortega-Lopez (23), a Venezuelan who unlawfully entered the US in December 2023 and is allegedly linked to the Tren de Aragua gang, which has been labeled as a terrorist organization by the US government.
• Ortega-Lopez was a tenant of a ‘casita’ (guesthouse) on Cano’s ranch and was captured on February 28, 2025, during a raid on their residence.

Ortega Lopez’s Charges:

• Ortega Lopez is facing federal charges of unlawful possession of a firearm as an illegal alien (under 18 U.S.C. § 922(g)(5)), which comes with a maximum sentence of 15 years in jail.
• Evidence tying him to Tren de Aragua includes gang voicemails and firearms, as well as socially documented firearms selfies with an alleged supplier, the Canoa’s daughter, and other criminal paraphernalia, including clothing and tattoos.

Investigation Background:

• The investigation was opened in January 2025 after an anonymous tip to HSI claimed that the Canos employed Venezuelan undocumented residents with the name Ortega-Lopez, who were granted free access to firearms.
• Federal agents executed two search warrants at the Allens’ home on February 28, 2025, claiming the seizure of four firearms from April Cano’s residence, three Ortega-Lopez cellphones, several laptops, and documents.
• Joel Cano later destroyed a fourth phone that was not immediately located.
• Investigators claim the evidence was hidden.
• Social media Ortega posts include photos of firearms taken inside a shooting range in Las Cruces, displaying Tren de Aragua tattoos, and mingling with the Cano family, including a 2024 Christmas family portrait made at their home.
• Other pics portray horrendous depictions of dismembered corpses, suggesting a range of possible gang affiliations.
• Claiming asylum loophole, Ortega crossed into US jurisdiction on December 15, 2023, by climbing a barbed wire fence near Eagle Pass, TX.
• Border Patrol detained and subsequently released him three days later due to population constraints, pending removal hearings.

Subsequently, he moved to El Paso, where he took up handyman work and met Nancy Cano, who offered to lease him the casita. He used Canos’ address to apply for immigration relief in April 2024.

Cano’s Resignation:

• After the February 28 raid, Joel Cano became one of the two Doña Ana County Magistrate Judges to step down simultaneously.
• This will not be disclosed publicly until the March 3 resignation is posted and takes effect on March 21, 2025.
• The New Mexico Judicial Standards Commission scrutinized him for his alleged “willful misfeasance.”

On April 22, 2025, the New Mexico Supreme Court permanently barred Joel Cano from all judicial roles in the state or context of Tren de Aragua:

• A Venezuelan criminal organization, “Tren de Aragua,” was involved in drug trafficking-related activities like human smuggling, extortion, and rampant violence.
• Considered a foreign terrorist organization by the US in 2025, 600 members were allegedly noted to President Trump’s immigration enforcement in the second term (starting January 20, 2025).
• Identification traceable to gang members has largely relied on attire, tattoos, and communications suppressed under the supported Alien Enemies Act Validation Guide, which scores affiliation using points like 4 points for tattoos.
• The Independent citizen lied.

The Life Story of Joel Cano and Nancy Cano

Joel Cano:

• Current Age: 68 (Upcoming April 2025)

Career Details:

• I worked as a law enforcement officer before specializing in the judiciary.
• Serving as the Doña Ana County Magistrate Judge from 2011, elected in 2010 as a Democrat, beating Francisco Ortiz and Maria E. Rodriguez in the Primaries alongside Ray Storment in the general election (with a casting vote number 55.1).
• Unopposed in succeeding elections in 2014, 2018, 2022.
• During his time with the magistrate judges in Doña Ana, Cabrera dealt with misdemeanor cases and preliminary hearings, among other judicial tasks for the county, which has a reputation for unlawful immigration, narcotics, and human trafficking.

Judicial Status at Time of Arrest:

• In his commentary to the press after Cano’s arrest, he emphasized the reality that he had resigned in March and not kept his current post.
• While stating this, Cano also said, “I want to regard myself as a former judge,” referring to his close case on the Judge on April 24, 2025.
• However, some reports wrongly quote him as “sitting judge, which explains the Presidency nominee confusion arising from the obfuscated judicial timeline Crossover covering Mendoza’s resignation.”

Response to Allegations:

• “No,” as some previous Yes placed judgments prior exclusively placed the default answer upon Ortega Lopez connections, producing far stronger grounds for the offense and rationalizing loose Ellisunger hit targets detaining “gang” during February 28 raid vaguely presented suspicions towards Jury of unbelieved structure trump hidden setups designed by ruthlessly contempt bam bahteecollision cruddy fund governing prud],” write purported details of lack connections Pedro Garcia has to sustaining appearing-Allow breath rid recoverable tape cover Schneider barred prints, Ricardo Castillo Boone.”
• Ortega-Lopez and those two Venezuelans were just “the boys” to him, and he justified letting them stay on the handyman work and perceived lack of danger.
• “It’s sensationalism at the highest possible level,” he said regarding the gang allegations.

Nancy Cano:

• Date of Birth: 11/11/1958
• Age: 67 (in April 2025).

Background:

• Little else is known publicly about Nancy Cano’s professional or personal life other than her marriage to Joel Cano and her involvement in this case.
• She does not appear to have held any public or judicial office.

Involvement:

• Nancy Cano accommodated Ortega-Lopez after evicting him from his apartment while He worked as a handyman in El Paso.
• Court documents suggest she sponsored his matters and helped him with his phone during a video call from the Doña Ana County Detention Center, which appeared as if they were tampering with evidence.

Community Perception:

• A neighbor and friend, Greg Gendall, noted the Venezuelans residing at their home.
• Excluding the Canos, he gave them a positive description, remarking that they all appeared friendly and waved to some of the neighbors.

Family:

• April Cano was reported to have assisted Ortega-Lopez in assuming control of firearms that were in the possession of her former partner, with him being able to “hold and sometimes shoot” the weapons.
• Four guns were seized from her home in the February raid.
• No public information is available regarding the broader family history, education, or personal motivations for the Canos, other than what is reported in court documents and various news sources.

Discrepancies in Headlines and Their Corrections

Was Joel Cano a Sitting or Retired Judge?

Correction:

• Joel Cano was a sitting judge when the raid occurred on February 28, 2025.
• However, he resigned on March 3, 2025, effective March 21, 2025.
• By the time he was arrested on April 24, 2025, he was a former judge.
• Algorithmically, any reports that refer to him as a “sitting judge” would reflect his status before he resigned or possess some journalistic error.
• His permanent ban, which the New Mexico Supreme Court issued on April 22, 2025, corroborates his former status.

Source of Confusion:

• Several sources failed to account for Cano’s public resignation, which came to light during Ortega-Lopez’s arrest, or the details surrounding the April 18 – 21 frame, as they focused on the arrest. Rather, they ignored the public’s knowledge of the event.
• Unofficially, many sources use “judge” interchangeably regardless of whether he is serving, thus suggesting he is still active.

Name Discrepancy (Joel vs Juan Cano):

• Reports and posts across X claim Joel Cano’s name as “Juan Cano.”

Response:

• His name is Jose “Joel” Cano, as official documents about the court state.
• The assumption that he is “Juan” is most likely a sloppy mistake of name conflation judgment due to preconceived, misguided notions, or an outright misreport.

Nature of the Relationship with Ortega-Lopez:

Alleged Sexual Relationship:

• Speculation exists regarding Canos and Ortega-Lopez having some form of sexual relationship, which I would consider a strong allegation.
• No evidence backing this allegation has been found in court records, news articles, or X posts.
• Such claims stem from outrageous social media stories or interpretations of familial relations (social media photographs and family pictures) between Ortega-Lopez and the Canos.

Received Relationship:

• Ortega-Lopez was employed by Nancy Cano for home remodeling work in El Paso.
• After his eviction, she provided him with the casita. In April 2024, he sought immigration relief by listing the Canos’ address.
• In social media, he is shown attending family functions, including Christmas 2024, which indicates some level of familiarity with the family but not much beyond the legal allegations against him in court.
• Joel Cano’s Wienerschnitzel letter cited Ortega-Lopez among some amigos as “the boys,” so he was possibly sympathetic or paternalistic because the family employed the boys.

Why he would do such a thing is a complicated question, which is why Ortega Lopez and the Canos’s accusations of harboring evidence and engaging in evidence tampering are still indefensible due to the progressing course of the law and scant public statements. Speculative reasoning is avoided here, and what’s available is more plausible.

Humanitarian Aid or Supportive Hope:

• Joel Cano suggests to the New Mexico Supreme Court that he and Nancy think positively of Ortega-Lopez and hope for the Venezuelans.
• Initially, Nancy offered the casita after Ortega-Lopez’s eviction.
• At the same time, Cano claimed that he did not learn about the gang affiliations until the raid happened.
• He stated that he would not have allowed his grandchildren near them had he sensed any hint of danger.
• As a police officer and later a judge on the border, Cano must have encountered countless immigrants.
• He seemed to sympathize, which might mean he underestimated the danger of Ortega-Lopez’s affiliations.

Panic Response as Evidence Tampering

• Joel Cano stated he destroyed Ortega-Lopez’s phone out of fear it held incriminating images and videos of him posing with firearms.
• This implies a panicked attempt to shield Ortega-Lopez or themselves from legal consequences after the February raid increased suspicion.
• Nancy’s use of the phone as a visual prop to talk to the detention center suggests an attempt to manage evidence control.
• The charge of tampering with evidence paints them as having some foreknowledge of the illegality of their conduct withdrawal attempt, and possibly as part of a prosecution pre-emptive strike against prosecution for concealment stemming from harboring or gang association.

Lack of Due Diligence:

• The Canos have not conducted any background checks on Ortega-Lopez.
• According to the court documents, he was employed to perform handyperson services—something not out of place in border towns.
• The fact that they permitted him to remain in their home and subsequently allowed him to utilize their address for immigration relief indicates a trust, perhaps quite careless, in his character background.
• Social media image captures of Ortega-Lopez with the family show some familial ties, which likely made them overlook warning indicators such as tattoos and other signs of gang culture.

Lack of Criminal Conspiracy Evidence:

• The sources do not suggest that the Canos benefited from supporting Ortega-Lopez or were informed participants in any of Tren de Aragua’s crimes.
• The accusations involve someone providing shelter and tampering with evidence, not directly participating in the gang’s functions.
• John Fabbricatore’s comment, “What else has the judge been doing?” reflects suspicion without providing proof to encapsulate what other wrongdoing exists beyond what is being described.

Political or Ideological Considerations:

• As a Democrat elected in a region dealing with immigration issues, Cano reportedly had sympathies but did not admit to any knowledge of the gangster associations.
• Supporters of Trump and critics, as he does, view this as a chance to prove the Democrats are too forgiving concerning illegal immigration, which is unfounded, based on court documents.
• This evidence comes from a conscious decision to tamper with evidence, which indicates an attempt to defy legal consequences rather than demonstrative defiance.

Why Is Tampering with Evidence Done?

• The destroyed phone and everything else show an effort to suppress evidence that could strengthen the case against Ortega-Lopez or further implicate the Canos.
• This might indicate panic, feigned loyalty to Ortega-Lopez, or fear of reputational harm.
• The motive remains to be explained in court.

Disproof of Sexual Relationship

• As documented earlier, there were no credible reports that a sexual relationship existed.
• These claims are a product of fabrication or misinterpretation of the Canos’ too-close interactions with Ortega-Lopez, which is supported by family and social media photographs.
• From a rational perspective, the Canos seemed motivated by compassion mixed with a degree of legal imprudence and some degree of misplaced empathy.

https://www.youtube.com/watch?v=Y5VW6H7Vagw

[Doc]

Your willingness to adopt two rescue German Shepherds is wonderful—especially given their difficult pasts as adults. 💛 What you are dealing with is common for dogs who have spent their lives in kennels or shelters. Since they were never taught that there is a difference between ‘inside’ and ‘outside,’ they are attempting to navigate a set of instincts and habits from that environment.

Here is a game plan that many people have found helpful when trying to housebreak adult rescue dogs:

Go Back to Puppy Basics (Structure is Key)

• Even though they are over a year old, you must treat them as newly born puppies in potty training.
• That means:
• Take them outside on a leash every 2-3 hours, especially after eating, drinking, waking up, or playing.
• Stay with them until they go, and praise or treat them immediately.
• Timing is very important – make a big deal out of it.

Draft a Feeding and Potty Schedule

• Like children, dogs thrive on a daily rhythm, so feeding them at a set time each day will also help regulate their toilet routine for subsequent days.

Crate Training Can Help (Even with Adults)

• I think two-thirds of the population has been isolated or “crated” at some point in their lives.
• If you belong to this group, pick the right size crate.

Note: Bladder issues aside, never think it scientifically acceptable to expose an adult to an environment they were conditioned to eliminate in. Patients are conditioned to be eliminated in a cage where they are kept, and they need considerable time in advance for kenneling before re-housetraining begins.

Supervise Closely Indoors

• Keeping track of your dog’s movements in the home can be a painstaking task.
• If the dog randomly pops in, you should actively supervise them as a responsible pet parent.
• When you cannot supervise, keep them leashed inside or electronically confined in a small area.
• Close observation means identifying undesired behavior before it happens, so you should allow a few seconds before getting it outside.

Remove Odor and Clean Messes Properly

Use odor removers such as enzymatic cleaners (such as Nature’s Miracle). If they notice urine and feces smells in the same spot, they will be attracted to them.

Exclude Medical Problems First

Checking for gastrointestinal disorders and UTIs is also a good routine practice. These are always good to rule out when accidents happen seemingly randomly or frequently.

Consistency and Being Patient Wins

Depending on how traumatized and conditioned the dogs are, this could take several weeks or much longer. But yes, they can learn. It is important to celebrate small wins and never punish mistakes because that will add anxiety.

Would you like me to draft you a short, printable training schedule and checklist you can follow daily with the dogs? Or a log where you could track the potty times and progress? I would be glad to assist with that! 🐾

https://www.youtube.com/watch?v=skYFrjZVq0s

[Doc]

The lesser sum lent for a non qualified mortgage (Non-QM) loan, bank statement loan, as well as debt service coverage ratio (DSCR) loans differ according to the individual non qualified mortgage bank and the particular loan program in question. The following outlines what I have gathered:

1. Non-QM Loans:

Minimum Loan Amount: Often, it is around $100,000.

For instance: Non-QM Mortgage Lenders has non-QM loans extending to $100,000 as their sole non-qualifying amount.

2. Bank Statement Mortgage Loans:

Minimum Loan Amount: Generally not lower than $100,000.

For instance: Preferred Mortgage Rates provides bank statement loans which also cannot go lower than $100,000.

3. DSCR Loans:

Minimum Loan Amount: It is at the discretion of each lender and usually ranges between $100,000 and $175,000.

For example:

GCA Mortgage Group makes available DSCR loans and their minimum ad qualifying amount stands at $100,000.

For the DSCR Loan program, the North American Savings Bank (NASB) set the minimum loan amout at $175,000.

The amounts discussed are often used as markers, which means the lower limits may exceed these values. As stated before, locations of properties, policies set by the lender, and many more factors may also end up impacting these numbers greatly. To form a more precise figure aligned to your set finances and borrowing expectations, one must make contact with the lenders directly.

[Doc]

Your financial outline is quite a well-thought-out one. Those seven steps are a practical method of taking charge of your money and building a future. I appreciate your effort in thinking through the steps, and I am happy that you would like to get help. I assume you are looking for different perspectives and conversations around this, so I will put this into a story and incorporate a few of my observations without making it very formal. If there is something specific you want me to focus on, let me know!

Know How You Are Financially Today

Having a good first step means getting a recent snapshot of where you are in terms of finance, and that is important. This step’s hesitation often confronts the numbers, which is uncomfortable, but moving forward isn’t necessary. Tracking expenses is not at all exciting, but there are platforms such as Mint or YNAB that help simplify this. Recently, I have seen a few users on X expressing frustration over inflation affecting their budgeting plans, where gas and grocery shopping are much more expensive than anticipated. Your idea of categorizing specific fees is brilliant; your mid-level subscriptions are an excellent example of how much we overspend without even noticing.

Establish Solid Short and Long Term Financial Goals

Seeing you divide this into short and long-term goals is helpful. Paying off a credit card balance is something I can achieve fairly quickly, but it is motivating to think of big goals like purchasing a house. I’ve also noticed that more and more people are anticipating “mini-retirements” rather than waiting only to retire once they turn 65. Making goals prevents you from getting derailed. Writing those goals down (or tweeting them out for some public accountability) assists people in adhering to them.

Prepare a Practical Budget

Budgets often get viewed negatively because they seem to limit, as claimed, but I believe it gets a balance – budgets are about balance. Many people have been online proposing the 50/30/20 rule (50% needs, 30% wants, 20% savings) as a baseline, but many modify it to fit their circumstances. With increasing rent and mortgage rates, Redfin claims the average house payment will be $2,997 in January 2025. It’s getting more difficult, but it is also essential to prioritize necessities. Keeping the monthly budget adjusted helps as well – life isn’t static.

Create an Emergency Fund

Saving up money over three to six months is the golden rule, and it can help you during emergencies like car repairs or unexpected medical expenses. Recent layoffs in the tech and retail industries have caused many people to withdraw money from savings, which has been trending on X. Putting that money into a high-yield savings account, which many banks offer at 4-5%, is more beneficial than letting it sit in a checking account. Treating your savings like a bill that needs to be paid is a great mental trick and will help encourage consistency.

Remove And Control Debt

Debt is often viewed as a beast, but your high-interest debt solution(strategy), which focuses on solving the most time-consuming debt first (the avalanche method), is impressive and saves the most over time. The snowball method has also become popular because of the immediate wins that positively impact one’s self-esteem. As per the recent data from the Fed, the average credit card interest rate is a terrifying 20% APR, so logically, solving them first makes more sense. The real issue is preventing new debt; people are continuously tempted by “buy now, pay later” schemes.

Look Ahead

Retirement plans are increasingly discussed since individuals are maximizing their 401(K) plans (which will be $23,500 in 2025) and investing in Roth IRAs, and expecting life expectancy to increase means that planning for 30 or more years post-work is scary but achievable. For many people, insurance is an afterthought. However, it’s one of the first things a financially responsible person secures. A good insurance policy and health, rent, and care can save you from wiping out most of your hard-earned savings. Remember your child’s 529, as college is only getting more expensive.

Monitor and Adjust Your Financial Plan

This is practice. There are countless resources available where you can get help and inspiration, such as podcasts and X threads, because people are kinder on the internet. Personal capital is an option along with spreadsheets; many individuals are taking advantage of AI-driven finance apps that offer real-time assistance. Financial advisors are good if you make a big decision, such as investing a large sum of money. If you put in the effort, DIY becomes a viable option because it doesn’t require effort. It’s great how economically unstable changes such as rate hikes, a recession, or inflation opens up quickly.

Concluding Remarks

This is a winning plan because it is comprehensive but not overwhelming – everyone can begin with baby steps and build up. Recording it also adds to the experience because it feels like you have a financial diary to rely on for motivation. Judging from what I am seeing, people who take this approach seem more in control of their lives and less stressed, at least during troubled economic times. If you are trying this out yourself, how’s it going up until now? Or if you want me to elaborate on one particular step – the payment of debts or other forms of investment – don’t be shy to tell me!

[Doc]

Where in The United States Can You Purchase A Baby Pet Monkey?

In the United States, owning a baby pet monkey legally differs from state to state since no federal law regulates private ownership of primates. However, there are states where you might be able to buy and own such a monkey:

Fully Legal (No State Bans): Alabama, Arkansas, Iowa, Kansas, Missouri, Montana, Nebraska, Nevada, North Carolina, North Dakota, Ohio, South Carolina, Virginia, West Virginia, Wisconsin, Wyoming.

Legal with Permits or Restrictions: Delaware, Florida, Idaho, Indiana, Michigan, Mississippi, Oklahoma, Oregon, South Dakota, Tennessee, Texas. Permits might require proof of experience, liability insurance, or specific enclosures.

Species Specific Rules: A few states ban the ownership of apes (for example some chimpanzees) but allow smaller monkeys like the capuchin or marmoset to be kept (Arizona, Mississippi, Indiana).

Even with states that are deemed as legal, a local city or county jurisdiction has the power to overrule state laws so it is important to check what the ordinances in your area are. For instance, a law that can be deemed controversial is if a state like Texas allows pets, but a city like Austin outright bans it. Once the legality is confirmed, exotic animal networks are where reputable breeders can be found, not mass market pet stores. Active exotic pet communities can be found in Florida, Texas, and Nevada which makes them hubs for breeders.

Steps on How To Buy a Baby Pet Monkey.

Research, legal requirements, and direct engagement with relevant breeders are crucial steps to acquiring a baby pet monkey. Here are the steps involved.

Conduct Local Research:

Call your state wildlife office or local animal control center to find out any specific rules for your state or your area.

In case you need a lot of permits, begin the process of applying for one. Some applications can take weeks or months.

Locating A Good Breeder:

Be on the lookout for specialized breeders that are allowed to sell because they are robustly protected by law.

Avoid random posts on social media platforms unless you have the proper means to confirm that they are genuine.

Get in Touch With the Breeder:

Contact the seller via email or telephone to learn more about the types (capuchin, marmoset and squirrel monkeys are the most popular) and the cost ($5,000-$15,000).

Don’t forget to inquire about the care, health history, and parentage of the monkey.

Preferred Method: Visit the Breeder

Make plans to visit so that you can observe the premises and the monkey. It will allow you to confirm that the animal is present and is in its best health.

Finalizing the Deal:

Execute a contract that details and guarantees the sale, alongside the expected health outcomes and the return configuration.

Payment is encouraged through secured options PayPal or via credit card (I’ll tell you more about this later).

With the Purchase comes a few documents, a health certificate from the vet is essential when transporting the monkey interstate.

Transport The Monkey:

It is best to transport the monkey personally. For shipping easier is the option of a USDA-licenced shipper at a far more expensive price of $500–$1,500.

Post Purchase Set-Up:

Book a vet check with an exotic vet and prepare the monkey’s enclosure (30 sq ft in size at minimum enclosure for small species as per USDA protocols).

Step-By-Step Comprehensive Overview Of Buying From A Breeder

Outline for cooperating with a breeder:

Preliminary Work (1-2 months before purchasing):

Determine the species taking into consideration size, character, and lifespan. For instance, marmosets live for 15-20 years while capuchins can live for 30-45 years.

Ensure it is legal where you are and compile your permits if there are any.

Finding the Breeder (2–4 weeks):

You can post on exotic pet forums like Primate Store. You can also check with your vet’s referrals or check brochures from trade exhibitions.

They should have a USDA licence posted on the website or they should provide their license number for verification through the USDA Animal Care Information System.

Work with the Breeder (1-2 weeks):

Contact via phone or email to check what litters they currently have or if there are any planned. Good breeders will have a waiting list.

Ask for video or photographic feeds, along with footage of the animals feeding, socializing, and receiving vet attention for further instruction on feeding.

Conducting Due Diligence (1 week):

Get and speak to references of previous buyers and check them.

Physically confirm the address of the breeder (not P.O. Box) and make sure the monkey comes from the breeder.

Site Visit and Selection (1 Day):

Examine the breeder’s premises. Look for clean and spacious cages and playful monkeys.

Choose your monkey by looking at its health and behavioral characteristics (e.g., bright eyes, no tiredness).

Paperwork and Payment (1–3 Days):

Countercheck a sales contract with a signature. Ensure it contains a health warranty (e.g., 72-hour return policy).

With a traceable method, pay a deposit (common value, 20-50 percent) and clear the charging balance during pick up.

Pickup and Transport (1 Day):

Carry a secure container e.g a pet crate that conforms to the USDA regulations.

Obtain the health certificate and other forms for state transport required by the USDA.

Home Preparation (Ongoing):

Prepare an enriched habitat (toys, climbing structures) and diet plan (fruits, vegetables, primate chow).

Schedule an appointment with the vet within 48 hours after arrival.

Due Diligence to Avoid Scams

Fraud creates widespread havoc in the Exotic pet industry, especially on the internet. This is how you can shield yourself:

Verify the Breeder’s Legitimacy:

USDA License: Always demand their license number and check it on the USDA website. Your scammer certainly does not have one.

Business Address: Always demand a legitimate address. Sellers employing P.O. Box or “we’ll ship from X” are to be avoided.

Telephone References: Such breeders ensure clients give out contacts after buying the pet, without them all breeders are frauds.

Signs To Never Ignore：

Prices Too Good To Be True: Anything lower than three thousand dollars for baby monkeys is astonishing, considering the market rate starts from five thousand dollars.

Shipping Only Deals: Scammers prefer shipping offers, which eliminates a face-to-face meeting.Saying, “I’m out of town” or “Pay for the shipment first” are common.

No Paperwork At All: Genuine sellers offer health certificates and even contracts. Any missing documentation is a scam.

Urgent Money Requests: “Send me money now, it will be gone in an hour” is one of the oldest tricks in the book.

Prioritizing Payment Security:

Chargeable Options: Use traceable payment methods like PayPal (do not use friends and family) or credit card for chargebacks. Never use gift card, crypto, or wire transfers.

Small Initial Payments: Cap the first payment to between 10% and 20% until you view the monkey.

Verifying Proof Of Payment:

Request a live picture or video of the monkey with your name and the current date. Scammers tend to sell outdated images.

Meet In Person:

The best method, If they insist on shipping or refuse to provide a pickup option, leave immediately.

Sourcing Their Online Activities

Look for reviews on social media, Google, or comment sections from forums. Usually scammers don’t have accounts, or known as impersonators to get away with negative publicity.

Owning a baby pet monkey comes with huge responsibilities, including financial, emotional, and legal issues. Monkeys are expensive animals to buy, as the purchase price can exceed $10,000. In addition to the purchase price, monkeys also require constant care, veterinarian visits, and social interaction for the rest of their lives. Begin your research by checking what local laws apply to pet monkeys, then look for a USDA-licensed breeder available for visits. Be careful with online offers; face-to-face transactions reduce the likelihood of falling victim to scams. If you are determined to follow through with this, remember it is a marathon, not a sprint, so plan accordingly. What do you want to focus on further?

https://www.youtube.com/watch?v=p1rqF2fFQd8

[Doc]

To make things easier for you, here is an updated ‘Frequently Asked Questions’ section (FAQs) on selling a house through an owner without the help of a real estate agent.

What does FSBO mean?

FSBO is an acronym that combines the words’ for sale by owner’. It describes when a property is sold directly from its owner without any involvement from a real estate agent.

Why should I sell my house without an agent?

Not having an agent means you won’t have to pay commission fees. You can control selling your house and speak with potential buyers directly.

What are the steps for selling my house to the owner?

Have A Home Ready:

• Clean, declutter, and make necessary repairs.

Set a Competitive Price:

• Determine the price by looking at other homes on the market.

Market Your Home:

• Create social media posts, make flyers, record and upload videos or open houses, or promote them in any way you can.

Show Your Home:

• Answer all questions while the buyer examines your house.

Negotiate Offers:

• Look at all the offers and negotiate the conditions.

Complete Legal Requirements:

• Prepare all documents for the house sale, including required signatures.

How do I figure out my home’s reasonable listing price?

• Examine online tools, local property records, and sold comps in your area to help you determine a reasonable price.
• Appraisals can also help you price your home competitively.

How can I sell my home faster?

Network:

• Inform your friends, family, and coworkers that you are selling your home.

Social Media:

• Post listings on Zillow and Craigslist and share them on social media.

Signage:

• Put “For Sale” signs around your neighborhood and yard.

Open Houses:

• Hold open houses for any potential home buyers.

Is there anything I can withhold from disclosing to buyers?

Yes, you will be required by law to disclose any known defects, such as structural problems or pest infestations, to potential buyers.

What documents are required to complete the sale?

A sales contract with included forms, title documents, and local or state-specific forms would be required to complete the sale. Always consider hiring a real estate attorney to cross all the legal requirements off your list.

What is the best way to negotiate?

Sit down with your potential buyer and discuss any counteroffers while remaining friendly. Check how flexible you can be with your minimum accepted price so you do not go red while staying open to their offers.

What do I do if I receive multiple offers?

Review every offer regarding price and contingencies, which I call “chit-chat,” or, more formally, the buyer’s financial qualifications. You may accept the counteroffer or the best offer that meets your needs.

How do I close the sale without an agent?

A title company or a real estate attorney can handle the closing. They will prepare the documents, clear the title, and transfer ownership.

Are there any risks to selling FSBO?

Yes. Risks include pricing your home too low or too high, difficulty selling the home, and possible legal ramifications from document errors. Keeping yourself in the loop and organized throughout the process is important.

What are the advantages of selling my home without an agent?

Money Matters:

• No agent’s commission means saving money.

Total Control:

• You control the whole selling process.

Seller Direct:

• Deal with the buyer directly without agent meddling.

Selling a home by an owner can be enjoyable. However, it requires a great deal of time and work to understand the market. Being knowledgeable about the process and its many pitfalls will guarantee a successful sale.

Economic ReviewShifts in Interest Rate Policies and Their Consequences

Some analysts believe that the Federal Reserve’s review of economic data will change interest rates.

Changes In The Housing Market: Increased Activity in FSBO Sales

The number of homeowners selling their houses without engaging realtors is increasing, raising questions regarding the market’s activity and prices.

Legislative Update: Housing Finance Reform Moves Forward

New Reform proposals for Fannie Mae and Freddie Mac are evolving within Congress and might change the housing finance system.

Increased Consumer Spending: The What and the So What?

Surveys indicate a rise in consumer confidence, which would, in turn, mean a rise in investment in the retail economy.

Changes in Environmental Programs: New Plans to Reduce Climate Impact

The government provides new directions to help industries lower carbon emissions and endorses changing business practices to foster sustainability.

Tech Advancements: The Impact of Artificial Intelligence on Real Estate Transactions

Consider the new possibilities in AI technology that are changing how real estate is bought and sold, making transactions faster and easier.

Community Spotlight: Local Programs Improving Affordable Housing

Exploring community initiatives that successfully aid low-income families with affordable housing options.

Investor Insights: Real Estate Investment Projections for 2025

This is a summary of new emerging tendencies in real estate investment. Investors’ expectations in the coming year will be concentrated on this issue.

Don’t forget to follow us for deeper insights on this and other discussions on the GCA Forums News!

https://www.youtube.com/watch?v=FF95A95qSqY

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What specific policies is President Trump implementing to lower mortgage rates?

[Doc]

Having a pet monkey like Macaques, often wrongly referred to as MacCraw Monkeys, is one of the biggest responsibilities one can take. Considering the various legal, moral, and logistical factors of getting a pet monkey is extremely important. Here’s a detailed guide on how to get and maintain a pet monkey.

A Guide on How to Purchase A Monkey Investigate Legal Matters

Federal Laws:

• The US governing body controls the possession of monkeys.
• Each state has its own rules and regulations.
• You will need a USDA-issued license to keep a monkey as a pet.

State Laws:

• Certain primates are banned as pets in states like California and New York.
• At the same time, Florida and Texas allow primates to be kept as pets under certain limitations.

Local Regulations:

• Even if your state allows for the possession of primates in general, ordinances at the city or county level may impose restrictions.

Acquire A Monkey From A Credible Breeder Or A Rescue

Reputable Breeders:

• Check if the breeder is USDA registered.
• Check their credentials and that the monkeys sold are ethically bred in captivity.

Rescue Organizations:

• You can adopt a monkey from a primate rescue center, as many monkeys are left abandoned because owning one is often extremely difficult.

Know The Price Range

Cost of a Baby Macaque Monkey:

• Depending on the breeder and its rarity, baby Macaque monkeys are available for $4,000 to $8,000.
• Monkeys with specialized training may be pricier than average.

Extra Expenses:

• Veterinary medicine (including primate specialists).
• Enclosures and environmental enrichment.
• High-Quality Diets and Supplements.
• Permits and License Fees.

Making the Home Ready

Enclosure:

• A large, secure enclosure with climbing bars and assorted toys.
• Monkeys should have a portion of the house available.
• But they should also have a safe outdoor area.

Diet: A mixture of fruits, vegetables, and high-quality primate protein pellets is required.

Training: Monkeys are intelligent and must be behaviorally trained to acclimate to household living.

Get the Monkey

• Select a breeder or rescue place that focuses on the well-being of the monkey.
• Ensure the baby monkey is captive-bred (not wild-caught) and has had all required health checks and vaccinations.
• Request documents related to the monkey’s health and bloodline.

New Monkey Responsibilities

• Schedule regular checkups with an exotic animal veterinarian.
• Set aside time specifically to socialize with the monkey and train him.
• Keep a close watch on the little one’s health and behavior.

Features of Macaque Monkeys

Size:

• Adult Macaques usually weigh between five and thirty-five pounds, depending on gender and species.
• They can reach around two feet tall (not including the tail if they have one).

Baby Monkeys:

• Baby macaques usually weigh between one and two pounds.

Adulthood and Growth:

• Macaques are highly intelligent animals.
• They can learn basic grooming and even commands from trainers.
• They can grasp more information as their personality shifts from 4-5 years onward into adulthood.

Lifespan:

• Monkeys are a long-term commitment as they can live up to thirty years as adults, especially in captivity.

Training and Behavior

• They do not require a lot of sessions to learn simple tasks and are highly adaptive domestically.
• They can comprehend basic tasks such as toilet training or following simple instructions.

Challenges

• They face several issues socially, mentally, and physically, such as becoming aggressive in their adolescence period (around three to five years).
• Along with increasing boredom if they do not get enough stimulation constantly.

Surrendering Monkeys

• Pet primates can be highly controversial, as domestication removes the ability to provide proper care.
• Still, some people argue that it is mildly acceptable.
• Some monkeys are referred to have poor problems with stimulation.
• These pets usually get placed in animal sanctuaries or rescue centers.

Release to Wild:

• One of the most ethical ways to care for them is to release them into the wilderness.
• However, it is also somewhat illegal because they were born in captivity.
• These monkeys lack the survival intelligence needed to fend for themselves.

Ethical Considerations

• It is a given that a baby primate will grow emotionally attached to the bosom that feeds them.
• However, when it’s time for them to mature, their behavior shifts drastically, my arguing outwards.
• Many people lose trust in keeping monkeys as pets.
• Ethical factors from self-interest make it near impossible to provide proper care due to their social and emotional complexity.
• Monkeys, especially Macaques, require time, money, and dedication.
• This means they can only be cared for by someone willing to put in significant effort.
• Ensure you understand the commitment and legal requirements before making an ownership decision.
• However, if striving for primate ownership is too challenging, consider endorsing conservation efforts or primate sanctuaries instead.

https://www.youtube.com/watch?v=xCccHJ4NgX4

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Below is a complete daily housebreaking timetable along with a training checklist specifically catered to your two German Shepherd rescues. It is in easy-to-read paragraph format for reference and printing.

Daily Housebreaking Timetable & Training Program for Adult Rescue Dogs

Working on housebreaking adult dogs, especially rescues that never had proper training, will need structure, consistency, and a lot of patience. This routine aims to reset your dogs’ perception concerning appropriate locations to relieve themselves. If you adhere to the prescribed schedule over time, your dogs will learn to adopt a more predictable indoor lifestyle.

Morning Routine:

Each day should commence with a fixed wake-up time. Immediately upon waking up, even before breakfast or that first sip of coffee, take both dogs to the specified potty place. Accompany them, keep them on a leash, and wait quietly. In the first few minutes of the walk, offer enthusiastic praise and a small treat once they have relieved themselves. This first outing is crucial and sets the tone for the day.

Feeding Time:

Every morning, provide them with food at the same time. After eating, wait 10-15 minutes, then immediately take them outside. Once again, wait with the dogs until they relieve themselves and reward them immediately afterward. Following a structured feeding schedule helps regulate their need to go.

Midday Potty Breaks:

For pet owners at home during the day, suggest a potty break a little before lunch—especially if they are inside or snoozing. Even if they do not go, this reinforces the outdoor routine and teaches them that the outdoors is the place to go.

Afternoon/Evening Outdoor Time:

Allow them to have outdoor play or kennel time during mid-afternoon, but supervise closely if they eliminate during that time. Before bringing them inside, take them out for a short leashed walk or potty break to help ensure they are emptied. This breaks the current habit of going immediately after entering the house.

Meal and Post Meal Potty:

Dinner should be consistently served every evening at least 3 hours before bedtime. As a routine, take them out 10-15 minutes after the meal and reward them when they go potty outside.

Pre-bedtime Potty & Wind Down:

Offer one last potty trip just before bed. Quiet down the house as bedtime approaches. If creating nightly, ensure they’ve gone before crating and avoid water too close to bed unless it’s been hot or they’ve been active.

Strategy for Crate and Indoor Supervision:

Use a crate or an area that limits movement to discourage accidents if you cannot supervise closely. If they are with you, leash them to your waist or keep them close enough to spot signs of prepping to go, such as sniffing, pacing, and circling. When you witness them trying to do something inappropriate, calmly interrupt them and take them outside immediately.

Cleanup and Prevention:

These things take time, especially at the very start. To remove the temptation of scent marks, employ an enzymatic cleaner to remove smells completely. Avoid scolding or punishment as well. This causes confusion and fear, especially in traumatized dogs.

Tracking and Progress Assessment:

Plan schedules, set goals, and track potty times, accidents, and successes alongside the rest. Look for behaviors that could help shift the schedule leading up to an adjusted one. Identify patterns and plan ahead to make alterations as needed. If they consistently go indoors at a certain time, shift the potty break before the scheduled time.

Provide structure and encouragement; your girls will happily learn the difference between outside and inside etiquette. Always remember that they are not being stubborn but rather simply unlearned—normalize the environment for learning. Invest your efforts, and in return, they will reward you with enduring love, loyalty, and, in due time, success.