Loan Officer Gustan Cho
Loan OfficerForum Replies Created
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It’s a great goal, and it’s an achievable goal to strive for. I think money is somewhat under the classification of revenue and expense. I do not think I would have a goal to make the most money. It isn’t very easy, but it is a great topic of discussion. Money can come and go. Therefore, money is not wealth, nor is it financial security. So, what is wealth? Wealth is the people you surround with who have your back: They are there for you to succeed, help, care for you, and share similar goals. You are who you hang out with. Wealth is knowledge, education, and experience. Nobody can take that away from you. Wealth is happiness, achieving the position in the field and industry you want to impact positively. My definition of money, success, wealth, and happiness is the following:
Whatever you do, you will have clients who need your expertise, knowledge, and integrity. What makes you different than the competition is the question you need to ask. My goal in the field I am in or will be in is the following: Do the very best you can for each customer. Do not think about how much money you will make. God’s formula is to work your ass off for each customer, and when your customer is above and beyond satisfied with what you did for them, you will make money. Money is your report card, my man. It is because of this client that you made dollars $$$$$, it is because of this client because you made a difference in their lives (whether it is big or small), and because of this customer, you will be getting repeat business. Because of this customer, you will get referrals and a great name. Well, what makes you an expert in your field? To accomplish this goal, you need to surround yourself with professionals who strive to be the best of the best in your field. You need to go outside your circle to gain more knowledge. You need to be humble and caring and always think about reversing the role and putting yourself in the customer’s situation. What will make Tristyn a lifelong happy customer of the professional servicing your business? Great topic, Tristyn. There are no right or wrong answers here. Everyone has a different definition of wealth. Mine is money is your report card. You go above and beyond for your client. No matter how big or small, the end performance result is money. Money is your report card.
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Five things about German Shepherd dogs owners need to know. Watch this short video.
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A bullet from criminals gets lodged on former Mayor Lori Lightfoot’s house in Logan Square. It is obvious that the city does not have funding to hire retiring police officers therefore crime will get escalating. Here’s an overview video
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For a few Shepherd owners new to the breed, floppy ears can sometimes become a concern, especially when expecting the German Shepherds to have an erect ear stance.
Here is a breakdown of basic concepts:
Development
Puppy Growth:
- Most puppies, including German Shepherds, are born with floppy ears.
- But over time, these canine features can naturally erect and stand upwards.
- This which can take approximately nine months.
- Moreover, these may stand the way they should be alone during one year.
Teeth Growth:
- During teething, mainly between three and seven months, cartilage and calcium can weaken, resulting in floppy ears.
Nutrition and Health
Proper Diet:
- Ensure your dog receives proper nutrition, which includes protein and calcium.
- Protein and calcium are responsible for building bone and cartilage growth.
Additional Use:
- Talk to the vet and ask for MPS II. Try to have glucosamine and chondroitin supplementation for cartilage use, and consider other alternatives.
Water Requirement:
- If you want your dog to maintain good hydration and cartilage function, always provide the proper amount of hydration.
Ears Wrapping
Ears Wrapping:
Taping is one of the most common and effective methods when ears are trained to be in a certain position. This includes:
- Ear wrapping involves using soft surgical tape to stop the German Shepherd’s ears from protruding.
Avoiding Secure Techniques:
- If wrapping is less painful for the dog, feel free to do that, but use collars and holders carefully.
- I will remove the tape from the ear for a couple of days.
- Then check again to see if there is any improvement.
Ear Forms:
- Control of the ears to be perpendicular is achieved with tape breaching foam or cardboard inserted inside the ear.
Surgery
Last Resort:
- In the situation when ears do not stand, regardless of noninvasive methods, ear surgery is an option.
However:
- It is usually for cosmetic purposes.
- Therefore, not advised for anyone who does not need it for medical purposes.
- It can also be costly and requires the person to take care of the post-operative period with some degree of caution.
- Engage in an interactive session over this with a veterinary expert.
Drugs or Injections
Calcium or Collagen:
- Some veterinarians inject calcium or collagen into the ear cartilage to harden the ear.
- These types of therapies should not be indulged in without professional assistance.
No Approved Drugs:
- No specific drug is manufactured to erect the dog’s ears.
Genetics
- For those who are attempting but the ears are not even trying to stand, it would have on their genes, not to say desired.
- Not all German shepherds have the robust cartilage needed to ensure the ears stand erect.
- All the more for any dog that is not a pedigree or poorly bred.
Recommendations:
Consult Your Veterinarian:
- A veterinarian can help even more by determining whether the ears are forming normally and/or the best course of action.
Stay Calm:
- If your pup is under a year old, the ears may still stand up naturally.
Consider Other Options:
- Duct Taping and changes in the diet are safe methods to begin with.
Think About Health and Not Looks:
- Keep in mind that floppy ears have no implication on your dog’s health or integrity.
If yes, would you like a precise guide on duct taping or a list of supplements that promote ear health? 😊
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I am disappointed in Donald Trump.
Right after the election victory, Trump.is endorsing Bitcoin because Barron Trump is gong ho with Bitcoin. Bitcoin main purpose was to hide and launder money. Bitcoin was at $6 dollars and now surpassed $100,000. What goes up that fast will plummet equally as fast. Also, Trump was applauding the Dow Jobes industrials for hitting record highs. The Dow Jones is going to tank
The Dow does not deserve to be at 45,000
Trump made a huge mistake back in the days touting and bragging he was responsible for coming up with the Coronavirus Vaccine. Trump needs to shut up because the Coronavirus Vaccine turned out to be a weapon of mass destruction.
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To forecast what future mortgage rates are going to be like in the next quarter, we can consider an array of economic indicators and trends. Below are some crucial factors that analysts commonly use in projecting:
Federal Reserve Policy
When the Federal Reserve stops increasing interest rates or hints at a possible decrease, home loan rates may stabilize or decrease somewhat.
Economic Growth
Robust economic growth and job creation can increase rates and demand for mortgages. On the other hand, rates could decline if there are signs of a slowdown.
Inflation Trends
If inflation continues to rise sharply, this would push the Feds into maintaining or raising their current Fed rate, thereby keeping mortgage rates high. However, if inflation cools off, it may eventually cause a reduction in mortgage rates.
Housing Market Conditions
A competitive housing market with restricted inventories may keep demand elevated, thus influencing interest rates. If inventory levels rise while demand falls, this would result in lower borrowing costs.
Geopolitical Factors
Global events such as conflicts or economic instability can influence investor sentiment and consequently cause fluctuation in mortgage rates.
Projections as per Today’s date.
Rates are relatively stable or may slightly go up: According to many researchers, mortgage rates could remain constant or move up by a small margin in the short run, with the 30-year fixed mortgage varying from around 6.5% to 7.0% contingent on economic changes during that period.
Possible Decline:
If inflation is likely to reduce and other economic indicators suggest a slowing down the economy, interest rates might fall in the last quarter.
Although specific projections can change frequently based on new data, the general belief seems that mortgage rates will likely remain within a narrow range with an upward or downward bias due to economic issues. Follow economic reports and Federal Reserve announcements for more reliable predictions.
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How to Tape Dog Ears: A Step-by-Step Guide
Taping is a non-surgical and effective way of posting a German Shepherd’s ears.
Here’s how it goes: Materials Required:
Surgical tape:
- This is fine; the proper tape will not irritate or make one’s skin uncomfortable.
Foam rollers or cardboard inserts:
- These are gentle and basic anchoring devices that perform the function of weight.
Scissors:
- An apparatus employed in all households to cut tape and inserts.
Adhesive remover:
- This is an item that will allow one to remove tape at a later time.
Instructions: Step-by-Step
Ears Preparation:
- Make sure the ears are clean and dry before attempting to carry out the procedure on the dog.
- Cut the foam rollers or cardboard into smaller pieces.
- Ensure that the volume of the cut inserts remains within a certain limit to avoid making the pet feel cumbersome and uncomfortable.
Insert the Support:
Keep a foam roller or insert it inside the dog’s ear to give it some structure.
The foam should be placed inside the boundary of the ear without cutting or hurting the dog.
Secure with A Tape:
- Take a piece of mask or surgical tape and carefully wrap it around the ear housing the foam or the inserts.
- Be cautious not to make the wrap tight.
- It should be able to hold the insert without impeding blood circulation, thus causing the pup no pain.
Connecting the Ears (Optional):
If they both droop, tap them together along the top of the head.
Taping Head Sets
Use a strip of tape to connect the tops of both ears while slightly permitting motion.
Monitoring your Dog
- While using the tape, check for 4 to 7 days and check for any signs of discomfort, irritation, or infection daily during that period.
- Progress can be evaluated after a week; necessary retaping can be done if an improvement has or hasn’t occurred.
Tape removal
- To remove the tape, use a wet adhesive remover or warm water.
- When removing the tape, be gentle so your dog’s ears don’t hurt.
Tips
- The sign is to begin taping as soon as the teething phase ends and the ears remain flopped.
- It requires time to set the ears, so be patient. Setting them fully can take weeks.
- If your dog is distressed with red or sore ears, visit the Vet and stop the continuation.
Dieting for Ear Health
Increasing the chances of the ears standing up naturally and providing ear cartilage alongside overall health through diet will be effective.
A Protein-Rich Diet
A diet rich in proteins is needed to grow both the muscles and the cartilage. Try to look for dog foods, including chicken, beef, or fish, high in protein.
Supplements
Glucosamine & Chondroitin:
- Supporting strength and repair of cartilage around ear structures.
- Nutramax Dasuquin or Cosequin are examples of products that can be used.
Calcium:
- Build Bones and Cartilage, but your Vet should only provide calcium nutrition support.
Natural Sources:
- Use Cottage cheese and yogurt in minimal quantities.
Vitamin C-
- Vitamin C is the best support for collagen production, which is important for ear cartilage development.
Example Products:
Tablets recommended by Vet as chew it’s easy to consume.
Fish Oil ( Omega-3s)-
- Supports joint and cartilage health on a general level.
Example Products:
- Nordic Naturals or Grizzly Salmon Oil.
Gelatin or Collagen Powder:
- Cartilage is provided with its building blocks in these supplements.
Natural Sources:
- Bone broth produces it.
Hydration:
- It Is Vital For Cartilage That Is Flexible And Able To Withstand Stress That Your Dog Should Get Enough Water Intake.
Natural Chews:
- Encourage them to chew on pig ears or bully sticks.
- This will strengthen their jaw muscles, which in turn will help them maintain proper ear posture.
Precautions:
- Always Go To The Vet When You Add And Remove Supplements From Your Dog’s Diet.
- Do not overload your dog with too much calcium.
- Too much calcium can create problems.
Would you like me to recommend specific brands or guide you in buying these supplements? 🐕✨
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Several states are adjusting residence gun legislation and concealed carry policies starting January 1, 2025. Here’s a summary of these modifications alongside other relevant details, including concealed carry licenses, training qualifications, regulations, and reciprocity:
New Gun Laws Available Tras January 1, 2025:
Minnesota:
- The use of binary triggers Specifically, under this new law, gun owners are prohibited from using Binary Trigger devices, which release one bullet when the trigger is pulled and another when it is let go.
- Those violating these laws could face jail sentences of up to 20 years and fines reaching $35 thousand.
Delaware:
- Specifications have been made allowing law enforcement.
- Commissioned security guards to carry guns within certain secure zones, which include college and university grounds.
Colorado:
- The unoccupied vehicles must have hard-sided firearms locked in secured, non-visible locations.
- Violations may apply to antique firearms, disabilities, and specific hunting activities.
Concealed Carry Permits and Training
Wisconsin:
- A range of requirements, including age restriction (21+) and firearms training.
- Other criteria have been set, and when fulfilled, an individual can acquire a five-year concealed carry permit
According to state recoupment law, people with a legal concealed weapon permit from across the border to Wisconsin are furnished with such weapons.
Carrying a Concealed Weapon
Rules:
- Every person who holds a concealed carry permit and a photo ID is required to carry the permit.
- However, it is illegal to carry in broad public areas, including schools, government buildings, or private property, where carrying firearms has not been allowed.
- Legal jurisdiction must be fully and unconditionally observed.
Concealed Carry Permit Reciprocity
Wisconsin’s Reciprocity:
- Permit holders traveling to Wisconsin, such as applicants, must ascertain if their state is recognized under broad statutes and whether Wisconsin recognizes concealed weapon permits from their state.
- However, short changes in the reciprocity agreement occur, so checking the latest situation before travel is best.
Important Considerations:
Stay Informed:
- Over time, the laws governing firearms and their usage.
- Those regulating cross-state travel catering to these activities tend to change.
- So, being current and actively seeking more information about one’s state is crucial.
Local Regulations:
- Be aware of city ordinances regulating the time and conditions of carrying or storing a firearm and the external regulations displayed on signs.
- There are legal ways of exercising the right to bear arms.
- It is your duty as a bearer of a concealed carry permit to follow them.
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