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

It’s a must watch video.

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

It is no secret Joe Scarborough is Joe and Jill Biden’s number one ass kisser. Joe Scarborough has brought five star coverage of Joe Biden and unanimously crowned 👑 himself Joe Biden’s number one ass kissing freak show. Scarborough is thought about as the World’s biggest idiot and nobody respects him nor his show. He seems he’s more mentally ill than Joe Biden and is in the state of denial about how bad the economy is under Joe Biden’s watch. However, after Thursday’s Presidential debate with former President Donald Trump, the Biden Ass Kissing Freak Joe Scarborough 😜 seems he’s calling it TRUCE. Watch this video clip.

https://youtu.be/7mZ2VSoCZ38?si=ILpUX3ci1yDIK79V

https://www.linkedin.com/pulse/foreclosure-numbers-fall-july-starts-decrease-nationalmortgagenews/

linkedin.com

Foreclosure numbers fall in July as starts decrease

Foreclosure starts dropped for the first time in three months, although repossessions ticked up, as rising property values may be easing some difficulties facing struggling homeowners, according to a report from Attom. The number of overall foreclosure filings, consisting of … Continue reading

Buying a house in North Carolina, like purchasing real estate in any other state, involves several important steps and considerations. Here’s a general overview of the process:

1. Determine Your Budget: Before you start looking for a house, you should establish a budget. Consider factors such as your income, expenses, and the down payment you can afford. You may want to get pre-approved for a mortgage to know how much you can borrow.

2. Research North Carolina Housing Market: Research the housing market in North Carolina to get an idea of property prices, trends, and neighborhoods that fit your preferences and needs. Consider factors like location, school districts, amenities, and commute times.

3. Find a Real Estate Agent: Consider hiring a local real estate agent who is familiar with the North Carolina market. They can help you find suitable properties, negotiate on your behalf, and navigate the homebuying process.

4. Mortgage Pre-Approval: Contact lenders or mortgage brokers to get pre-approved for a mortgage. Pre-approval will give you a better idea of your budget and can make your offer more appealing to sellers.

5. House Hunting: With the help of your real estate agent, start touring properties that meet your criteria. Take notes, ask questions, and consider the pros and cons of each property.

6. Make an Offer: Once you find a house you like, work with your real estate agent to make an offer. The offer should include the price you’re willing to pay, contingencies (such as home inspections), and a closing date.

7. Negotiate: Be prepared for negotiations with the seller. You may need to go back and forth on the price and terms until you reach an agreement both parties are comfortable with.

8. Home Inspection: After your offer is accepted, schedule a home inspection to identify any potential issues with the property. Depending on the results, you can negotiate further or proceed to the next step.

9. Secure Financing: Finalize your mortgage application and work with your lender to secure financing for the property.

10. Closing: Once all conditions are met, you’ll attend the closing, where you’ll sign the necessary documents and transfer ownership of the property. Be prepared to pay closing costs, which can include fees for title insurance, taxes, and more.

11. Move In: Congratulations! After closing, you’ll receive the keys to your new home. Don’t forget to set up utilities, change your address, and handle other logistical details.

Keep in mind that real estate processes and regulations may vary from state to state, and North Carolina may have its own specific requirements and considerations. It’s crucial to work with professionals who are knowledgeable about the local market and can guide you through the process. Additionally, consider seeking legal and financial advice to ensure a smooth and successful homebuying experience in North Carolina.

• This discussion was modified 1 year, 2 months ago by  Gustan Cho.

Like to wish Alex, the three-legged Chicago Beast, Carlucci a Happy Birthday. Wish you a happy birthday, buddy.

Mortgage rates dropped for the first time since March 2023, on Thursday July 20th, 2023 per Freddie Mac. Par rates on 30-year fixed-rate conforming loans on single-family homes dropped to 6.78% from last week’s 6.96%. The drop in rates is the first decrease in mortgage rates since June and the largest single day decrease since March of this year. Mortgage rates one year today was at 5.54% and under 4.0% prior to the coronavirus outbreak. Conventional loans with loan-level price adjustments for average credit score borrowers often surpasses the 8% rate mark.

• This discussion was modified 1 year, 3 months ago by  Sapna Sharma.

Small Business Administration (SBA) loans are a type of financing that the U.S. government provides to small businesses and entrepreneurs to encourage economic growth. The SBA doesn’t lend money directly to small business owners. Instead, it sets guidelines for loans made by its partnering lenders, community development organizations, and micro-lending institutions.

Here’s how the process generally works:

1. **Choose the Right Loan:** The SBA offers several different types of loans, so you’ll need to determine which one is the best fit for your business. Some of the most common ones include the 7(a) Loan Program for general small business loans, the Microloan Program for smaller loans, the 504 Loan Program for commercial real estate and equipment purchases, and the Disaster Loan Program for businesses affected by disasters.

2. **Find a Lender:** Not all banks and lenders offer SBA loans, so you’ll need to find one that does. The SBA provides a Lender Match tool on its website to help connect you with suitable lenders.

3. **Prepare Your Application:** Each SBA loan program has its own eligibility requirements, but generally, you’ll need to provide information about your business, a detailed business plan, financial statements, information on any existing debt, and personal financial information.

4. **Apply for the Loan:** Submit your loan application to your chosen lender, who will review your application and make a decision about whether or not to offer you a loan. If they approve your application, they’ll submit it to the SBA.

5. **SBA Review:** The SBA will then review your application. If it approves the loan, it will provide a guarantee to the lender, which essentially insures a portion of the loan against default. This guarantee can cover up to 85% of the loan amount, depending on the loan program.

6. **Receive Your Funds:** If your loan is approved by both the lender and the SBA, you’ll receive your funds and can begin using them for your intended business purposes.

Keep in mind that while SBA loans can provide much-needed capital for small businesses, they also come with certain costs, such as interest and fees, and require repayment over a set period of time. It’s important to understand the terms of your loan before accepting it.

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

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.

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

Let me ask all of you something. How can a career politician with zero inheritance and zero business experience become multimillionaire after serving in public office with a maximum annual salary of no more than $200,000.

What is the role of the Federal Reserve Board? Who controls the Federal Reserve Board? Is the Federal Reserve Board a legitimate organization? Can the Federal Reserve Board print money? Does the Federal Reserve Board gift money to the elites? Why does the Fed Chairman Jerome Powell lie in front of national television about inflation and our bad economy?

There are very minor reasons giving cops reasons to pull you over. Say you had a few glasses 🥂 of wine during dinner and you got pulled over by a cop for one reason or another. A cop can cite you for driving under the influence of alcohol even though your alcohol 🍸 BAC level is under 0.08. I know people who got into a lot of BS due to being pulled over by a cop.

https://www.facebook.com/share/r/k7W4tvxrjQXkKJU2/?mibextid=D5vuiz

facebook.com

How You're Giving Cops Reasons To Stop You | How You're Giving Cops Reasons To Stop You | By VINwiki | Facebook

How You're Giving Cops Reasons To Stop You

I drink and I smoke!

Hey, I bet you just got a visual of me! Ha! But what I mean is, I drink great wine and I smoke food on a smoker. What? Let me explain.

I live in Northern California and LOVE eating outside during the spring, summer, and fall. A few years ago, my husband, a licensed general contractor, built me an outdoor kitchen. My love for this kitchen is deep! However, the grill he installed scared the living daylights out of me. I was literally afraid to use it, and my husband, busy with work, didn’t have time to grill. So, I found a school—yes, a BBQ school. We signed up for classes and spent a weekend in San Francisco, CA, learning all about grilling, using that intimidating grill, and getting creative with our summer meals. Then, there was a segment on smoking. Hmm, I thought I wouldn’t want to do that, but since it was part of the course, we gladly learned about it.

This is where things took a turn—I became OBSESSED with smoking food. I mean, really obsessed! So guess what? We came back home and bought a Traeger smoker! And guess what I do more than grill now? Yes, you guessed it—I smoke!

As a sommelier, I love pairing wines with food, and I find it super fun and interesting to pair smoked foods with wine. Does anyone else smoke? Let’s talk!

Every Memorial Day saddens me, not just because of the lives lost during our wars, also my father died on Memorial Day weekend. Is been 55 years since his passing. I mourn each year. Now think of all the family members who mourn their loved ones. I have a friend who posts a picture of her Uncle Patsy, who died in 1943 during World War Two. A relative she never knew who gave his life so we are able to have BBQ’s, camping trips, and picnics. Potential that will never be achieved follows all our lost soldiers. Some soldiers who returned are still battling their demons. Most of my proceeds from my book sales are donated to Wounded Warriors Program. Maybe instead of that extra case of beer over the weekend, make a donation to this program, or any other program that supports our soldiers. Remember they gave their lives for us, its not a joyous holiday. Enjoy your holiday BBQ’s and such, please remember the true meaning of the holiday. When having your first drink salute them for their sacrifice.

You do not need perfect credit or high credit scores to qualify for a mortgage loan. Every loan program require a minimum credit score. Besides HUD, VA, USDA, FANNIE MAE, FREDDIE MAC, or non-QM portfolio lenders requiring a minimum credit score, each lender can impose lender overlays on credit scores. Lender overlays are additional credit score requirements above and beyond the minimum agency mortgage guidelines imposed by each individual mortgage lender. Regardless of the minimum credit scores required, all lenders will normally want to see timely payment history in the past 12 months. Regardless of the prior bad credit you have, having timely payment on all of your monthly debt payments that report on the three credit reports is crucial. Do not worry about prior collections, charge-off accounts, late payments, or other derogatory credit tradelines unless you are going though a manual underwrite on FHA loans. HUD manual underwriting guidelines require timely payments in the past 24 months. VA manual underwriting guidelines require timely payments in the past 12 months. In many instances when you get an approve/eligible per automated underwriting system but late payments in the past 24 months, the lender may down grade your file to a manual underwrite. The best solution for you to increase your credit scores and strenghen your credit profile with recent late payments is adding positive credit with new credit. Please read this guide on how to boost your credit to get approved for a mortgage: Capital One Secured Credit Card will get you a $250 secured credit card with a $50 deposit. Self.Inc is a bank that has a phenomenal credit rebuilder program where you can make a monthly deposit as small as $25.00 per month. That monthly deposit goes towards a savings account but it reports as an installment loan to all three credit bureaus. Get a Discover secured card. Secured credit cards are the same as unsecured traditional credit card. The only difference is you need to put a deposit. The amount of deposit is the amount of credit you get by the credit card company. You need to make timely minimum monthly payments on your secured credit cards. Just start with these three creditors and you will see wonders in the weeks and months ahead. I will cover some quick fixes for you to increase your credit scores fast and at the end of this topic thread, I will list helpful resources on boosting your credit to qualify for a mortgage, how to reach a human at the credit bureaus, and how to rebuild your credit:

1. Capital One Secured Credit Card

2. Self.Inc

3. Discover Secured Credit Card

As time pass and you make timely payments, your secured credit card company will increase your credit limit without asking your to put additional deposit. If you can get more secured credit cards, it will expedite your credit rebuilding process. However, you should at least start with the above three creditors.

Improving your credit scores and rebuilding credit can be crucial when seeking mortgage approval. Here are some effective strategies to consider:

Review your credit reports: Obtain copies of your credit reports from the three major credit bureaus (Experian, Equifax, and TransUnion. Identify and dispute any errors or inaccuracies that may be negatively impacting your credit scores.

Pay bills on time: Payment history is the most significant factor affecting your credit scores. Make sure to pay all your bills (credit cards, loans, utilities, etc.) on time, every time. Set up automatic payments or payment reminders if necessary.

Reduce credit card balances: High credit card balances can hurt your credit utilization ratio, which accounts for a significant portion of your credit scores.

Aim to keep your credit card balances below 30% of your total available credit limit. Consider paying off credit cards with the highest balances first.

Don’t close unused credit cards: Closing credit cards can inadvertently increase your credit utilization ratio and decrease your overall available credit. Keep unused credit cards open, but avoid using them to maintain a low credit utilization ratio.

Increase credit limit: Request a credit limit increase from your credit card issuers, which can improve your credit utilization ratio. Be sure to handle the increased credit limit responsibly and avoid overspending.

Limit new credit applications: Each credit application results in a hard inquiry on your credit report, which can temporarily lower your credit scores. Limit credit applications only to when absolutely necessary.

Use different types of credit: Having a mix of different types of credit (e.g., credit cards, auto loans, personal loans) can positively impact your credit scores. Consider taking out a small loan or opening a new credit card account if you have limited credit types.

Monitor your credit regularly: Check your credit reports and scores periodically to ensure accuracy and track your progress. Consider signing up for a credit monitoring service to receive alerts for any changes to your credit profile.

Be patient and consistent: Rebuilding credit takes time and consistent effort. Stick to responsible credit habits, and your credit scores should gradually improve, increasing your chances of mortgage approval.

Remember, lenders evaluate various factors beyond just credit scores when considering mortgage applications. However, improving your credit scores and maintaining a healthy credit profile can significantly increase your chances of getting approved for a mortgage with favorable terms.

https://gustancho.com/boost-your-credit-with-new-credit/

gustancho.com

Boost Your Credit With New Credit To Qualify For A Mortgage

Boost your credit with new credit to qualify for a mortgage . New secured credit cards and credit builder loans increases credit scores for mortgage

I am a first-time precious metal investor. How do you go about investing in Gold and Silver? Do I need to watch out for scammers? Where do I buy gold or silver? What is the minimum I can invest in Gold and Silver?

@Steve , here’s the website that I told you about. @Regisregal Cynthia Kelly is a top German Shepherd breeder but she’s in Illinois

https://www.hoobly.com/s/us?q=German+Shepherd+

I heard conflicting stories about DACA recipients being able to get access to government assistance programs to overcome financial barriers, particularly for down payments to buy a house in the United States. Is there such a thing as DACA FHA Loans. I know FHA loans offer lower down payment requirements at 3.5% at certain credit rating levels, compared to 5% for conventional mortgages.Are there non-QM loans available for DACA recipients?

What are building permits for renovations for your home? When are building permits required? Why are building permits required? Do building permits increase your property taxes?

As a diabetic, I can provide you with some general information that may be helpful. However, it’s crucial to consult with a healthcare professional for personalized advice tailored to your specific situation.

Managing diabetes involves making lifestyle changes that can help control blood sugar levels and reduce the risk of complications. Here are some general tips:

Healthy Eating: Focus on a well-balanced diet that includes a variety of fruits, vegetables, whole grains, lean proteins, and healthy fats. Limit the intake of refined carbohydrates and sugars. Pay attention to portion sizes to help control blood sugar levels.

Regular Exercise: Engage in regular physical activity, as it can help improve insulin sensitivity and control blood sugar levels. Aim for at least 150 minutes of moderate-intensity aerobic exercise per week, along with strength training exercises.

Weight Management: Losing excess weight, if overweight, can have a significant impact on blood sugar control. Work with a healthcare professional to establish realistic weight loss goals and strategies.

Monitoring Blood Sugar Levels: Regularly monitor your blood sugar levels as advised by your healthcare team. Keep a record of your readings to identify patterns and trends.

Medication Adherence: Take prescribed medications as directed by your healthcare provider. If you have concerns about your medications or experience side effects, discuss them with your healthcare team.

Stress Management: Practice stress-reducing techniques such as deep breathing, meditation, yoga, or any activity that helps you relax. Chronic stress can affect blood sugar levels, so finding healthy ways to manage stress is important.

Regular Medical Check-ups: Schedule regular check-ups with your healthcare team to monitor your overall health and make adjustments to your diabetes management plan as needed.

Quit Smoking: If you smoke, consider quitting. Smoking can contribute to complications associated with diabetes.

Remember, diabetes management is highly individual, and what works for one person may not work for another. It’s essential to work closely with your healthcare team to develop a personalized plan that meets your specific needs and circumstances.

• This discussion was modified 8 months, 1 week ago by  Gustan Cho.