I grew up in a concrete jungle, with buildings everywhere and playgrounds of cement. There are always rules regarding playgrounds: no jumping from slides or see-saws, etc. Beyond those rules, there are street, unspoken rules that must be followed. The inner city game is basketball. I’ve played on many teams and coached my son through elementary school and into high school. We had park rules and home court rules. I was never that good a basketball player; I had white man’s disease; and I can’t jump. On a good day, I could touch the rim. The first rule was that whoever was on the court first had to play in every game until they lost. I’d get there early to call “home court,” hoping the guys that should be up were good and I could continue my possession of the court. Even if you played in the South Bronx or Harlem, these rules were adhered to.

Greenwich Village has a main subway stop: West 4th Street. The cross street is 6th Avenue.

One block south is West 3rd Street, where there is a basketball court. Guys, professional players would travel downtown to play ball. I remember Dick Barnet of the Knicks, and Kareem Abdul Jabar was a local boy named Lew Alcindor. He went to Power Memorial Academy High School.

I tried my strategy early one Saturday morning on the West 3rd Street courts. Everything went fine the first few games; our team won the first two games, and that was it. When the big boys arrived, we were wiped off the court. To this day, the Saturday basketball games are a tourist attraction. They have also formed a league, “West 3rd Street Basketball League.” Teams have sponsors: Nike and Pepsi. I would have to wake up pretty early to play in that league.

https://www.youtube.com/watch?v=xwbZq5MlXMM

There is no doubt that Joe Biden is the worst President of the United States and one of the dumbest, if not the dumbest, human being ever to head the Oval Office. I can give you an overview of some of the economic policies and initiatives that were in place during the Biden administration up to my last update.

When Joe Biden took office as the 46th President of the United States in January 2021, he faced significant economic challenges, primarily due to the COVID-19 pandemic’s ongoing impact on the economy. His administration’s economic agenda aimed to address the public health crisis and support economic recovery.

Some key points of the Biden administration’s economic policies up to September 2021 included:

1. COVID-19 Response: Biden prioritized a comprehensive approach to combat the pandemic, including mass vaccination campaigns, expanded testing, and providing financial aid to individuals and businesses affected by the pandemic.

2. American Rescue Plan Act: In March 2021, the administration passed the American Rescue Plan Act, a $1.9 trillion economic relief package. This legislation included direct payments to individuals, extended unemployment benefits, aid to state and local governments, funds for COVID-19 vaccine distribution, and support for small businesses.

3. Infrastructure and Jobs Plan: Biden proposed an infrastructure plan that aimed to invest heavily in infrastructure projects, such as transportation, broadband, and clean energy. The proposed plan also sought to create jobs and boost economic growth.

4. Tax Policy: The Biden administration proposed raising taxes on corporations and high-income individuals to fund various social programs and infrastructure investments. The goal was to address income inequality and generate revenue to support government initiatives.

It’s essential to remember that the economy’s performance is influenced by various factors, including global economic conditions, geopolitical events, and other policy changes. Therefore, I recommend checking more recent sources to obtain an up-to-date and comprehensive assessment of the Biden economy as of August 2023.

https://www.trunews.com/stream/joe-biden-dreams-of-ice-cream-as-nashville-christian-school-children-are-dead

Buying a House in Alabama, how are the property tax and homeowners insurance

When buying a house in Alabama, you will benefit from relatively low property taxes and moderate homeowners insurance rates compared to many other states in the U.S.

Property Taxes:

Alabama has some of the lowest property tax rates in the country. The average effective property tax rate is approximately 0.33% of a home’s market value, placing it among the states with the lowest property tax rates. For example, if you own a home valued at $200,000, your annual property tax bill would be around $660. However, property tax rates can vary by county within Alabama, so it’s important to check the specific rates in the county where you plan to buy​ (Tax-Rates.org)​​ (Tax-Rates.org)​.

Homeowners Insurance:

Homeowners insurance in Alabama can vary widely depending on factors such as the location of the property, the age and condition of the home, and the level of coverage you choose. On average, homeowners insurance in Alabama tends to be higher than the national average due to the risk of natural disasters like hurricanes and tornadoes. The average annual premium for homeowners insurance in Alabama is around $1,300, but this can be higher for homes in coastal areas prone to hurricanes​ (Tax-Rates.org)​.

Overall, while property taxes are relatively low, it’s wise to budget for potentially higher homeowners insurance costs, especially if your property is located in an area susceptible to severe weather. For the most accurate and personalized information, consider contacting local tax authorities and insurance providers in Alabama.

tax-rates.org

Alabama Property Taxes By County - 2024

The Median Alabama property tax is $398.00, with exact property tax rates varying by location and county.

What is the reason Great Content Authority (GCA) FORUMS is experiencing explosive growth is blowing away all other online message boards including Quora and Reddit. What makes everyone on the internet want to go visit and become a member of GCA FORUMS. I HAVE fact-checked verified information about Great Content Authority (GCA) FORUMS experiencing explosive growth or outperforming other online platforms like Quora and Reddit. However, I don’t have access to real-time data or insider information about emerging platforms. With concrete data and reliable sources, I can confirm and explain the growth describing Great Content Authority FORUMS and SUBFORUMS. Online platform success of Great Content Authority FORUMS (GCA FORUMS) can be due to many factors, including:

1. Unique features or user experience
2. Effective marketing strategies
3. Timing and market conditions
4. High-quality content or discussions
5. Strong community engagement
6. Niche focus or specialized content
7. Viral growth through word-of-mouth

However, these are general factors and may not apply specifically to GCA FORUMS. There is solid reasons why GCA FORUMS is indeed experiencing rapid growth. That is because GCA FORUMS is powered by Gustan Cho Associates, a dba of NEXA Mortgage and the largest mortgage company in the United States. We have facted-checked and verified official statements from the platform, industry reports, or reliable tech news sources for accurate information about their performance and reasons for success. The key is GCA FORUMS, Great Content Authority FORUMS powered by Gustan Cho Associates, it gives GCA FORUMS creditbility and authority because Gustan Cho Associates is a licensed mortgage company with a national operations and is licensed in 48 states, including Washington, DC, Puerto Rico, and the United States Virgin Islands (MA and NY is pending). Gustan Cho Associates has other national online mortgage and real estate platforms and portals that are wholly owned subsidiaries of Gustan Cho Associates. We have more specific information about GCA FORUMS’ growth or comparative performance. If you have access to specific data or sources about their growth, I’d be happy to discuss those details. Please visit https://www.gustancho.com/

gustancho.com

GCA Mortgage | Mortgage Experts With No Overlays

Whether you’ve gone through bankruptcy, divorce or you are a first-time homebuyer, Gustan Cho Associates are experts in difficult loans

What do you think will happen if Kamala Harris picks Michelle Obama as her vice presidential runner mate? Old Joe will be 81 come November, do you really think he will run again. It ain’t gonna happen! Liberals control the west coast from San Diego to Seattle. Why place liberals in charge to continue control in these area plagued by homelessness and crime? They believe that housing is a “God given right and the government should furnish these homes. This is called “West Coast Liberaism.” California and Oregon lead the way with homelessness. Is their answer to supply homes to these people? Drug overdose is on the rise.

I love the west coast, I spent 24 years there, some areas are absolutely breathtaking. I watched as liberals gave everything away. When Arnie, the governator was in office, life was bearable. Gun violence is down due to stringent gun laws, the few people arrested for gun issues are moved through the courts and released through the liberal system. Oregon leads in mental health unawareness.

This is a possibility, I believe liberalism will hurt people more then help them. If the “West Coast Liberalism,” is allowed to spread, it will spread across the country like wild fire. Some states will never accept this form of government. Mostly Northen states and Southern states wont comply with the mandates, don’t mess with Texas! I read a story about a kindergarten school in Oregon installing condoms in both and boy’s and girl’s restrooms. Do we really want this?

James O’Keefe an undercover journalist and former President of Project Veritas went on a date with a gay senior White House Cyber Security Executive Advisor confirming Dementia Joe Biden does have Dementia and is Senile. Also mentioned is Kamala Harris is not liked and not respected by staff members and senior White House advisors

https://youtu.be/UfAvM7c4Jz0?si=IES5sHCVpkDPrg7O

GCA FORUMS and SUBFORUMS is a one-stop all-in-one comprehensive online community that covers everything to do with life. Includes everything from real estate, all different types of real estate, autos, boats, airplanes, motorcycles, classic and exotic cars, jokes, business, career opportunities, dogs, cats, reptiles, birds, all other pets, all different types of investments, homeownership, renting homes, and thousands of other topics. GCA FORUMS is a top of the line online message board with active participants and professionals in almost every field out there.

What Makes Great Content Authority (GCA) FORUMS the Best and different than the competition? Too many to list, folks. We hope you become a member of our active online community.

Great Content Authority (GCA) FORUMS stands out as a premier online forum for several reasons. Here’s an overview of what makes GCA forums the “platinum” standard and the best choice compared to other online forums:

Diverse Range of Topics:

Comprehensive Coverage: GCA FORUMS covers many topics, including real estate, mortgage, financing, investing, garage sales, exotic cars, pets, home improvements, and more. This diversity attracts a broad audience and provides valuable information across different fields.

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Ensuring Quality: Active moderators ensure the forum remains respectful, relevant, and spam-free, helping maintain a high standard of discourse.

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Supportive Members: The forum fosters a supportive and engaging community where members can seek advice, share experiences, and build connections.

Networking Opportunities: Users can network with like-minded individuals and professionals, opening up opportunities for collaboration and mentorship.

Resource Sharing:

Valuable Resources: Members can share links, documents, and other helpful resources for the community.

Expert Articles: Experts and seasoned professionals often post articles, guides, and how-to manuals, enriching the forum’s content.

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Conclusion:Great Content Authority (GCA) FORUMS stands out as a top-tier platform due to its comprehensive range of topics, expert contributions, user-friendly interface, active moderation, engaging community, and commitment to excellence. These features create a valuable resource for anyone looking to gain insights, share knowledge, and connect with others in their field. Whether you’re a professional or an enthusiast, GCA FORUMS provides the platinum standard of online discussions and networking. If you have questions or need further assistance, feel free to ask!

• This discussion was modified 11 months ago by  Sapna Sharma.
• This discussion was modified 9 months, 3 weeks ago by  Sapna Sharma.
• This discussion was modified 7 months ago by  Gustan Cho.
• This discussion was modified 4 months, 3 weeks ago by  Sapna Sharma.
• This discussion was modified 4 months, 3 weeks ago by  Sapna Sharma.
• This discussion was modified 4 months, 3 weeks ago by  Sapna Sharma.

Angie Crippen of Online Learning has been very helpful in getting me the little information available with the UTAH PLM Practice Exams. I am taking the test for the sixth time tomorrow and studying for the first time with the practice exams I purchased from Mortgage Educators and the AX5 Utah Practice Test from ONLINE LEARNING. Like to thank Angie Crippen for the help in helping me in having me get the proper study practice exams for the UTAH PLM EXAM.

Moving to Rhode Island can be an exciting adventure! Whether you’re relocating for work, school, or just a change of scenery, Rhode Island has a lot to offer. Here are some tips to help you with your move:

1. Research the Area: Take the time to learn about the different neighborhoods and cities in Rhode Island. Each place has its own unique characteristics, so finding the right fit for your lifestyle is important.

2. Housing: Look for housing options that suit your needs and budget. Rhode Island offers a variety of housing types, from apartments in urban areas to single-family homes in suburban neighborhoods.

3. Cost of Living: Consider the cost of living in Rhode Island, as it can vary depending on the location. Generally, it’s more affordable than some neighboring states, but expenses can still differ significantly between areas.

4. Employment Opportunities: If you’re moving for work, make sure to explore the job market in your field. Rhode Island has a diverse economy, with sectors such as healthcare, education, tourism, and manufacturing.

5. Transportation: Rhode Island is a small state, making transportation relatively convenient. The public transportation system includes buses and trains, and driving is also a common mode of transport.

6. Weather: Rhode Island experiences all four seasons, with winters being cold and summers being warm and humid. Make sure to prepare accordingly with appropriate clothing and gear.

7. Outdoor Activities: Rhode Island has a beautiful coastline, offering plenty of opportunities for outdoor activities like beachcombing, swimming, and water sports. Additionally, there are parks, hiking trails, and recreational areas to explore.

8. Register Your Vehicle: If you’re bringing a car, you’ll need to register it with the Rhode Island Division of Motor Vehicles within 30 days of moving.

9. Establish Residency: After moving, you should update your address on important documents like your driver’s license, voter registration, and other official records.

10. Explore Local Culture: Rhode Island has a rich history and vibrant arts scene. Take some time to visit museums, art galleries, and historical sites to immerse yourself in the local culture.

11. Make New Connections: Join local groups or clubs related to your interests or hobbies to meet new people and build a social network.

12. Embrace Seafood: Rhode Island is known for its delicious seafood, so be sure to try some of the local specialties like clam chowder, lobster rolls, and stuffies (stuffed clams).

Remember, moving to a new state can be both exciting and challenging. Take your time to settle in and make the most of your new Rhode Island experience!

https://www.youtube.com/watch?v=WQG8j0Ns0uw

Buying rental properties with hard money loans is a great idea if you need to renovate the property. Hard money loans are easy and fast to get approved and closed. Most hard money lenders like to extend a one-year term on hard money loans. Here is a blog on buying rental properties with money loans on Gustan Cho Associates. It is a comprehensive blog on buying rental properties with hard money loans. https://gustancho.com/buying-rental-properties-with-hard-money-loans/

• This discussion was modified 7 months ago by  Gustan Cho.

gustancho.com

Real Estate Investing Mortgage Loan Programs For Investors

Real estate investing comes with risk. Rewards can outweigh the risks. The acquisition price is the key most important factor for property investors.

There is thousands of acres right across the Illinois/Wisconsin border on the Wisconsin side. Any real estate investor delve into buying acreage and subdividing into lots and building manufactured homes? Homes in Illinois are skyrocketing due to competition so why not cross the Illinois-Wisconsin state line and start subdividing acreage and build your dream home. Manufactured homes are better looking and better built than stick built homes. Plus the cost is a fraction of stick built homes. Amazing deals on manufactured homes.

Per CEO MIKE KORTAS NEXA Mortgage has submitted the NMLS State Mortgage Corporate Application in New York. New York has a reputation for taking longer than any other states in approving state Mortgage NMLS licenses for companies. Branches and individuals for their NMLS licensing. The tentative expected date is around six months to one year. We will keep everyone updated occasionally when we hear anything.

• This discussion was modified 7 months ago by  Gustan Cho.

Listen to this entrepreneur explain how the food truck business works. He says the labor and food costs are the biggest expense. Location is very important—strong AC during summer and good heat in winter. Keep stability. Don’t keep on driving around. Stay in one spot for at least one year.

https://www.youtube.com/watch?v=Qi_RBWualJ8

Getting a mortgage in North Dakota involves several steps similar to other states. Here’s a general process:

1. **Evaluate your Financial Situation**: Analyze your credit score, income, debt, and financial stability. These factors will determine the terms and rates of your mortgage. If your credit score is low, you might need to take steps to improve it before applying for a mortgage.

2. **Research Different Types of Mortgages**: There are various types of mortgages – conventional, Federal Housing Administration (FHA), Veteran’s Administration (VA), and United States Department of Agriculture (USDA) loans. Each has different requirements and benefits. Look into these to see which one is the best fit for you.

3. **Budget for Your Home**: Decide on a price range for your home. The amount of mortgage you’ll need will depend on this. Remember to include the down payment (typically 3-20% of the home price), closing costs (2-5% of the loan amount), and monthly payments (including insurance, taxes, and private mortgage insurance if your down payment is less than 20%).

4. **Preapproval**: A preapproval letter from a lender tells you how much you can borrow, based on your financial information. This makes you a more attractive buyer to sellers. To get preapproved, you’ll need to provide your lender with various financial documents, like pay stubs, tax returns, and bank statements.

5. **Find a Lender**: Research various lenders and compare interest rates and terms. North Dakota has numerous local lenders as well as national banks and online lenders who can provide mortgages.

6. **Apply for the Mortgage**: Once you’ve chosen a lender and a type of mortgage, you’ll need to fill out an application. This usually involves providing more in-depth financial information.

7. **Home Inspection and Appraisal**: After your offer on a house is accepted, you’ll usually need to get a home inspection to check for any unseen issues. Your lender will also order an appraisal to determine the home’s value.

8. **Close on Your Home**: If everything goes smoothly with your application, inspection, and appraisal, you’ll then be able to close on your home. This involves signing a lot of paperwork, paying closing costs, and receiving the keys to your new home.

Remember, each person’s situation is unique and these steps might vary based on personal circumstances. It’s important to consult with a financial advisor or real estate professional to understand your options and decide the best path forward.

South Dakota, located in the Midwestern region of the United States, has a diverse array of beautiful homes in its towns and cities. Some of the best places to live with picturesque residences include:

1. **Sioux Falls**: As the largest city in the state, Sioux Falls offers a mix of urban living and outdoor activities. It has many upscale neighborhoods with beautiful homes, like the historic McKennan Park district.

2. **Rapid City**: Known as the “Gateway to the Black Hills”, Rapid City is surrounded by breathtaking natural beauty. The West Boulevard Historic District showcases many beautiful historic homes.

3. **Spearfish**: Nestled in the northern Black Hills, this small city has an abundance of outdoor activities and is near Spearfish Canyon, a location known for its natural beauty.

4. **Deadwood**: This historic city offers a blend of modern living with an old western charm. Homes here have a unique architectural style and historic feel.

5. **Brookings**: Home to South Dakota State University, Brookings has a vibrant community with a number of beautiful homes, particularly in the historic districts.

6. **Pierre**: As the capital city of South Dakota, Pierre has many beautiful homes. With the Missouri River running alongside the city, some residences even offer waterfront views.

7. **Aberdeen**: This city is a regional hub and the third most populous city in the state. The historic districts, like Highlands Historic District, feature lovely homes with classic architecture.

8. **Hill City**: Known as the “Heart of the Hills”, Hill City is the oldest city in the Black Hills and has many beautifully designed homes amidst the forests and hills.

9. **Vermillion**: Home to the University of South Dakota, Vermillion has a rich cultural scene and an array of housing options, from historic houses to modern designs.

10. **Belle Fourche**: This small town is a rural, scenic paradise with the Redwater River flowing through it. Belle Fourche has many charming, picturesque homes.

Remember to visit these places personally and consider other factors like cost of living, education, employment opportunities, healthcare facilities, and community engagement while deciding where to live. Also, remember that “best” and “beautiful” are subjective terms, and personal preferences may vary.

Utah requires 15 NMLS hours to get a mortgage loan originator license. This extra 15 hours of NMLS CE is a one-time deal besides the 20-hour NMLS CE course required for loan officers. If you want to be a manager because you have a branch office or a mortgage company, you need to take an additional 40 hours of NMLS CE course and take a state Principal Lending Manager (PLM) four-hour PLM exam. The exam is for the state of Utah DRE/DFI and is over 200 questions. The issue is getting study materials with practice exams for the Utah Principal Lending Manager license is very difficult. I had to take the 40-hour UTAH PLM course two times because the class is only good for one year. I failed the Utah Principal Lending Manager license twice and I am scheduled to take the third time on Monday July 24th, 2023. I will keep you all posted.

Lending Network, LLC offers hard money loans up to 70% loan-to-value in most states nationwide. HARD MONEY LOANS loan-to-value up to 75% in Utah and Nevada at Lending Network, LLC. per CEO Nelson Thompson.

Hard Money Loans

Hard money loans are short-term loans secured by real estate. These loans are primarily used by real estate investors to quickly finance the purchase and renovation of a property, often to sell it for a profit (fix-and-flip) or refinance it into a long-term loan. Hard money loans are typically easier to obtain than traditional mortgages but come with higher interest rates and shorter terms.

Key Features of Hard Money Loans:

Quick Approval and Funding: Hard money loans can be approved and funded faster than traditional loans, often within days.

Asset-Based Lending: These loans are based on the property’s value as collateral rather than the borrower’s creditworthiness.

Higher Interest Rates: Interest rates on hard money loans are generally higher than those on conventional loans, reflecting the higher risk for lenders.

Short-Term: Hard money loans typically have terms ranging from 6 months to a few years, making them suitable for short-term projects.

Flexible Terms: Lenders can be more flexible with loan terms, allowing for tailored agreements based on the borrower’s and project’s specific needs.

Down Payment: Borrowers usually need to make a significant down payment, often around 20-30% of the property’s value.

Common Uses of Hard Money Loans

Fix-and-Flip Projects: Financing for purchasing, renovating, and reselling properties quickly for a profit.

Bridge Loans: Temporary financing until permanent financing can be secured or an existing obligation is removed.

Construction Loans: Funding for new construction projects or major renovations.

Land Loans: You are purchasing land to develop it in the future.

Pros and Cons of Hard Money Loans

Pros of Hard Money Loans

• Fast approval and funding
• Less stringent approval criteria
• Flexible loan terms
• Useful for time-sensitive projects

Cons of Hard Money Loans

• Higher interest rates
• Shorter loan terms
• A larger down payment is required.
• Higher risk of default due to shorter repayment period

Finding Hard Money Lenders:

Local Real Estate Investment Groups: Networking with local investors can lead to recommendations for reputable hard money lenders.

Online Directories: Websites and directories list hard money lenders by region and specialty.

Mortgage Brokers: Some brokers specialize in hard money loans and can connect borrowers with suitable lenders.

Steps to Obtain a Hard Money Loan:

Identify a Property: Find a suitable property for investment that meets the lender’slender’s criteria.

Prepare Documentation: Gather necessary documents, including property details, renovation plans, and a clear exit strategy.

Contact Lenders: Reach out to potential hard money lenders to discuss terms and conditions.

Property Appraisal: Appraising the property to determine its current and after-repair value (ARV).

Review and Accept Terms: Review the loan terms, interest rates, and repayment schedule, then accept the best offer.

Close the Loan: Complete the loan closing process and receive the funds.

Feel free to ask if you have any questions about hard money loans or need assistance finding a lender!

https://gustancho.com/what-are-hard-money-lenders/

• This discussion was modified 7 months ago by  Gustan Cho.

gustancho.com

What Are Hard Money Lenders

What Are Hard Money Lenders? Hard Money Lenders are investors who lend money on real estate based on the asset rather than the credit of the borrower.

Great NEWS. Like to thank our National Operations Director at Gustan Cho Associates Angelica Torres for coordinating the team at Gustan Cho Associates | NEXA Mortgage to officially be an approved lender for Utah Down Payment Assistance homebuyers program. More details on the two down payment assistance homebuyer’s program coming soon.

• This discussion was modified 7 months ago by  Gustan Cho.

https://www.youtube.com/watch?v=NqQebl57Q1Q

Like to congratulate Dino Hasapis for earning the best Chicago Real Estate Agent Award for Chicago Area. Dino Hasapis always goes above and beyond for all his clients. Dino Hasapis not only treats his clients like family but he follows up after each closing and makes sure his clients have no questions and is Johnny on the spot if his clients needs a referral on the area his clients moved to. Dino is trusted, loved, and respected by his clients, family and friends. All of Dino Hasapis clients become his lifelong friend and family. Very proud of you my man.

https://www.facebook.com/share/tBBjMumuX8QdXJKn/?mibextid=oEMz7o

facebook.com

Dino Hasapis

I am both humbled and thrilled to announce that I've been recognized again by Chicago Association of Realtors as a top producer. I'm grateful for each and every person I have had the opportunity to...

Greetings all, I have a commercial scenario, below are the details.  What rate could we offer?

commercial
refinance
in LA
on Westin
currently occupied to child care center
government program
DSCR is 1.49
building appraised for $1.2mn
$500k loan currently on property
mortgage she’s paying is $3500
income from child care center is $5400
good DSCR

You can email me at taylorgilmore86@gmail.com

I have a scenario where my borrower would like to renovate their current home (No Mortgage) and the cost for the renovation would range from $50-60K. She’s a Teacher, Salaried with a $52K/year. With a FICO 635 Credit Karma and just bought a new car.

What can we offer her or her options?

Thank you

Do most homes in Louisiana  require flood insurance? I had about a dozen homebuyers in Lousiana and every buyer required property tax insurance on their home purchase.

Peter Schiff REPORTS on Gold & Silver Sell-Off on Friday due to China stop buying Gold after 18 month buying streak. Government of China buying on Friday alarmed investors. Gold fell $40 per ounce on the initial news of the government not buying Gold. Then later in the day when economic data was released another $30 dollar an ounce dropped to end $70 per ounce for the day. With the economic news of surplus, China will be buying Gold. Non-farm payroll came out better than expected which are not accurate. Weak employment is the fact but government has a track recording of deceiving numbers. The economy is not stable.

https://www.youtube.com/live/dJiWMAJ0m_I?si=ENDLlN0LqtScI08g

Planning can be a helpful way to set goals and achieve them. Here are some steps you can take to create a plan and start moving forward:

1. Reflect on your values and priorities: Take some time to think about what really matters to you in life. Consider your values, passions, and the things that bring you joy. This will help guide you in setting meaningful goals.

2. Set specific and realistic goals: Break down your larger goals into smaller, actionable steps. Make sure your goals are specific, measurable, attainable, relevant, and time-bound (SMART goals). This will make them more manageable and increase your chances of success.

3. Create a plan of action: Outline the steps you need to take to achieve each goal. Break them down into smaller tasks and set deadlines for each. This will help you stay organized and focused.

4. Seek support: Don’t be afraid to reach out to friends, family, or professionals for support. They can provide guidance, encouragement, and accountability as you work towards your goals.

5. Take care of yourself: Self-care is crucial during times of difficulty. Make sure to prioritize your physical and emotional well-being. This can include activities such as exercise, healthy eating, getting enough sleep, and practicing mindfulness or relaxation techniques.

Remember, it’s important to be patient with yourself and allow for flexibility in your plan. Life can be unpredictable, and it’s okay to adjust your goals and plans as needed.

The Lamborghini Murciélago and the Lamborghini Aventador are two distinct and iconic models produced by the Italian automaker Lamborghini.

1. Lamborghini Murciélago:

   • The Lamborghini Murciélago was first introduced in 2001 and was in production until 2010. It succeeded the Lamborghini Diablo and was succeeded by the Lamborghini Aventador.
   • The Murciélago was available in various versions, including the Murciélago Coupe and the Murciélago Roadster.
   • It featured a mid-engine layout and was powered by a naturally aspirated V12 engine, which produced different power outputs in various iterations.
   • The Murciélago was known for its striking and aggressive design, which included distinctive scissor doors.
   • It was one of the flagship models of Lamborghini during its production period and garnered attention for its high-performance capabilities and exotic styling.

2. Lamborghini Aventador:

   • The Lamborghini Aventador was introduced in 2011 as the successor to the Murciélago.
   • It, too, features a mid-engine layout and is powered by a naturally aspirated V12 engine. The Aventador has seen various iterations with power outputs, including the Aventador LP 700-4 and Aventador S.
   • Like its predecessor, the Aventador is known for its aggressive and futuristic design and its distinctive scissor doors.
   • The Aventador is a high-performance supercar that offers impressive acceleration and top speeds, making it a flagship model in Lamborghini’s lineup.

The Murciélago and the Aventador are renowned for their performance, style, and distinctive Lamborghini driving experience. These cars are often considered icons in the world of supercars and have a dedicated fan base among automotive enthusiasts. Please note that my knowledge is based on information available up to January 2022, and new developments or models may have been introduced since then.

https://www.youtube.com/watch?v=jp5FfeWTC2o

How much does it cost to live in the neighborhood boundaries of Chicago’s Top Rates Public Elementary Schools?

https://www.openhausrealty.com/blog/how-much-does-it-cost-to-live-in-one-of-chicago-public-schools-top-elementary-neighborhood-schools/

So often when you think of Las Vegas you think of casinos, restaurants and entertainment venues. On first glance, Las Vegas does not feel very family friendly. The truth is there are many family friendly neighborhoods offering great schools and activities. The job market is strong and property values are good. Niche list of neighborhoods can be found here – https://www.niche.com/places-to-live/search/best-neighborhoods-for-families/m/las-vegas-area/

Climate change refers to long-term shifts and alterations in temperature and weather patterns, primarily driven by human activities. These changes can manifest over decades to millions of years and can result from natural factors as well. However, the current trend of climate change is largely attributed to anthropogenic factors. Here’s a detailed overview:

Causes of Climate Change

1. Greenhouse Gas Emissions:

   • Carbon Dioxide (CO2): Released from burning fossil fuels (coal, oil, natural gas), deforestation, and various industrial processes.
   • Methane (CH4): Emitted during the production and transport of coal, oil, and natural gas, as well as from livestock and other agricultural practices.
   • Nitrous Oxide (N2O): Released from agricultural and industrial activities, as well as during fossil fuel combustion.
   • Fluorinated Gases: Synthetic gases used in various industrial applications.

2. Deforestation:

   • Trees absorb CO2, and when they are cut down or burned, the carbon stored in them is released into the atmosphere.

3. Industrial Activities:

   • Emissions from manufacturing and energy production contribute significantly to the accumulation of greenhouse gases in the atmosphere.

Effects of Climate Change

1. Temperature Increases:

   • The Earth’s average surface temperature has risen, leading to more frequent and intense heatwaves.

2. Melting Ice and Rising Sea Levels:

   • Polar ice caps and glaciers are melting, contributing to rising sea levels.
   • This poses a threat to coastal communities through increased flooding and erosion.

3. Extreme Weather Events:

   • Increased frequency and severity of storms, hurricanes, and typhoons.
   • More intense and prolonged droughts and floods.

4. Impact on Ecosystems and Biodiversity:

   • Species migration and changes in the distribution of wildlife.
   • Increased risk of extinction for many species unable to adapt to changing conditions.

5. Ocean Acidification:

   • Increased CO2 absorption by oceans, leading to a decrease in pH levels, which affects marine life, particularly coral reefs.

Mitigation and Adaptation

1. Mitigation:

   • Reducing Emissions: Transitioning to renewable energy sources like wind, solar, and hydroelectric power.
   • Energy Efficiency: Enhancing energy efficiency in buildings, vehicles, and industries.
   • Carbon Sequestration: Planting trees and employing technologies to capture and store CO2.

2. Adaptation:

   • Infrastructure Resilience: Building infrastructure to withstand extreme weather events.
   • Water Management: Developing strategies to cope with changes in water availability.
   • Agricultural Practices: Adapting farming techniques to new climate realities.

Global Efforts and Agreements

1. Paris Agreement:

   • An international treaty aiming to limit global warming to below 2 degrees Celsius above pre-industrial levels, with efforts to limit the increase to 1.5 degrees Celsius.

2. United Nations Framework Convention on Climate Change (UNFCCC):

   • An international environmental treaty established to address climate change and its impacts.

• This discussion was modified 7 months, 3 weeks ago by  Gustan Cho.