Loan Officer Harlan
Loan OfficerForum Replies Created
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Lennar Builders, DR HORTON and dozens of other home builders are offering mortgage rates under 6% and builder incentives to attract homebuyers. The problem they are encountering is the smart homebuyers are not selling their homes where they have rates under 3% they got back in 2018 and 2019. Most qualified homebuyers are renovating their existing homes and getting a second mortgage loan versus buying a new house.
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Tulsi Gabbard: Biography
Full Name: Tulsi Gabbard
Date of Birth: April 12, 1981
Place of Birth: Leloaloa, American Samoa
Nationality: American
Political Affiliation: Initially Democratic, later independentEarly Life and Education
Tulsi Gabbard was born in Leloaloa, American Samoa, and later moved with her family to Hawaii. She is the fourth of five children in a multiracial family. Her father, Mike Gabbard, is of Samoan and European descent, while her mother, Carol Porter Gabbard, is of European descent.
Tulsi was homeschooled through high school, which allowed her to develop a diverse set of interests, including environmental advocacy. She briefly attended Leeward Community College and later transferred to Hawaii Pacific University, where she earned a Bachelor of Science in Business Administration in 2009.
Military Service
In 2003, Gabbard joined the Hawaii Army National Guard. She volunteered for a 12-month tour in Iraq, serving in a field medical unit as a specialist. Her service continued with a second deployment to Kuwait, where she served as a military police platoon leader. She was awarded the Meritorious Service Medal for her service in Kuwait. Gabbard continues to serve as a major in the Army National Guard.
Political Career
Hawaii House of Representatives (2002-2004):
At age 21, Tulsi Gabbard was elected to the Hawaii House of Representatives, making her the youngest woman ever elected to a U.S. state legislature at that time. She served from 2002 to 2004.Honolulu City Council (2011-2012):
After her military service in Iraq, she returned to politics and was elected to the Honolulu City Council in 2010. She focused on issues such as public transportation and environmental policy.U.S. House of Representatives (2013-2021):
In 2012, Gabbard was elected to the U.S. House of Representatives for Hawaii’s 2nd congressional district. She was the first Hindu member and the first Samoan-American voting member of Congress. During her tenure, she served on the Armed Services and Foreign Affairs Committees and was a vocal advocate for veterans’ issues, environmental protection, and foreign policy reform. She was known for her independent stance on many issues, often diverging from the Democratic Party line.2020 Presidential Campaign:
Gabbard announced her candidacy for the 2020 Democratic presidential nomination in January 2019. Her campaign focused on anti-war policies, criminal justice reform, and environmental sustainability. She suspended her campaign in March 2020 and endorsed Joe Biden.Key Issues and Advocacy
Foreign Policy:
Gabbard has been a strong advocate for a non-interventionist foreign policy, emphasizing the need to end regime change wars and reduce U.S. military involvement abroad. She has called for better relations with countries like Russia and Syria, focusing on diplomatic solutions rather than military action.Veterans’ Affairs:
As a veteran, Gabbard has been dedicated to improving the care and support for military service members and veterans. She has worked on legislation aimed at enhancing veterans’ healthcare and addressing issues such as PTSD and homelessness among veterans.Environmental Issues:
Gabbard has been a proponent of aggressive action to combat climate change. She introduced the Off Fossil Fuels for a Better Future Act, which aimed to transition the U.S. to 100% renewable energy by 2035.Personal Life
Tulsi Gabbard is a practicing Hindu and is noted for her use of the Bhagavad Gita as a source of spiritual guidance. She has been married twice; her current husband is Abraham Williams, a cinematographer. She is an avid surfer and enjoys outdoor activities in her home state of Hawaii.
Post-Congressional Career
After leaving Congress in 2021, Gabbard has continued to be an influential voice in American politics, often appearing on media outlets and at public speaking events. She has focused on issues such as freedom of speech, civil liberties, and reforming the Democratic Party. In October 2022, Gabbard announced her departure from the Democratic Party, citing concerns over its direction and policies.
Tulsi Gabbard remains a prominent figure in American politics, known for her unique perspectives and willingness to challenge the status quo.
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Alligators do attack. It is no joke. You cannot instigate an alligator. Alligators are one of the most dangerous species in the plant. Here are some key details about alligator attacks on humans in the United States: Florida: Florida has the highest number of alligator attacks, averaging about 7-10 unprovoked bites on people per year. Since 1948, there have been 442 alligator bite incidents in Florida, with 26 resulting in human fatalities. The majority of serious attacks occur in or near freshwater lakes, rivers, marshes and canals.
Louisiana: Louisiana has the second-highest number of alligator attacks after Florida. From 1966 to 2016, there were 35 unprovoked alligator attacks in Louisiana, with 8 fatalities. Many attacks happen in lakes, marshes and coastal areas.
Texas: Texas averages about 1-2 alligator attacks per year. Between 1980 and 2020, there were 27 reported alligator attacks in Texas, resulting in 2 fatalities.
Other States: Occasional alligator attacks have occurred in states like Arkansas, Georgia, Alabama, South Carolina and North Carolina, but they are far less frequent. Most alligator attacks occur when people inadvertently get too close to the animals, often when swimming, wading or when pets go after alligators. Feeding alligators also increases attack risks as it causes them to lose fear of humans. However, unprovoked attacks are still quite rare given the number of people living in proximity to alligator habitats. Experts advise keeping a safe distance from alligators, being cautious in waters they inhabit, keeping pets on leashes, and never feeding them as primary precautions against potential attacks.
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Alligator attacks in the United States are relatively rare, but they do occur, primarily in states with significant alligator populations. Here are some key points about alligator attacks:
Frequency and Location
- Florida: The majority of alligator attacks in the U.S. happen in Florida, which has a large alligator population. The Florida Fish and Wildlife Conservation Commission (FWC) reports an average of about eight unprovoked alligator bites per year that are serious enough to require medical treatment.
- Other States: Alligator attacks can also occur in other states with alligator populations, including Louisiana, Georgia, Texas, Alabama, Mississippi, North Carolina, and South Carolina.
Risk Factors
- Habitat: Alligators are typically found in freshwater environments such as ponds, marshes, wetlands, rivers, lakes, and swamps.
- Human Interaction: Most attacks occur when humans get too close to alligators or their nests, often due to swimming, wading, or fishing in areas where alligators live.
- Feeding Alligators: Feeding alligators is illegal in many states because it can cause them to lose their natural fear of humans, increasing the likelihood of an attack.
Safety Tips
- Stay Alert: Be aware of your surroundings when in or near water bodies known to be inhabited by alligators.
- Avoid Water Activities: Avoid swimming, especially at dusk or dawn when alligators are most active.
- Keep Pets and Children Away: Do not allow pets or children to play or swim in areas known to have alligators.
- Do Not Feed Alligators: Feeding them can lead to aggressive behavior toward humans.
Response to Attacks
- Emergency Action: In the rare event of an alligator attack, immediate medical attention is crucial. Alligator bites can cause severe injuries and infections.
- Wildlife Authorities: Local wildlife authorities, such as the FWC in Florida, should be notified of any alligator incidents. They can capture and relocate aggressive alligators.
Statistics
- Fatal Attacks: Fatal alligator attacks are extremely rare. According to the FWC, from 1948 to 2021, there have been 442 unprovoked alligator bites in Florida, 26 of which were fatal.
- Non-Fatal Attacks: The vast majority of alligator attacks result in non-fatal injuries, often due to defensive behavior rather than predation.
Overall, while alligator attacks can be serious, they are infrequent, and with proper precautions, the risk can be minimized.
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Unlawful mandates, economic upheaval, not respecting constitution, government ownership and not individual, unlawful seizure of property, against capitalism, not punishing criminal behavior, falsely accusing dissidents, encouraging immoral sexual perversion, discrediting religion and those who believe in God, need to believe in the government, and two classes of society: The aristocrats and the working people. The Democrat Party is turning into the Democrat Socialist party. When President Theodore Roosevelt ordered the seizure of Gold and Silver during this term in office, that was an act of Democrat Socialist practice. Anyone with Gold and Silver needed to surrender it to the U.S. government or they would face severe consequences including jail time. A democratic socialist is someone who advocates for a political and economic system that combines elements of democracy and socialism. The key principles of democratic socialism generally include:
Democracy – Preserving and expanding democratic rights, civil liberties, and political freedoms. Major policy decisions are made through democratic processes.
Social Ownership – Transitioning the economy away from private corporate ownership toward public/social ownership or worker-owned cooperatives over major industries and services considered essential public goods.
Economic Planning – Using a regulated market combined with economic planning and management by the state to prioritize social good over pure profit motive.
Wealth Redistribution – Implementing progressive taxation policies along with robust public services and social safety nets to reduce economic inequality.
Workers’ Rights – Strengthening labor laws to empower unions, collective bargaining, living wages, workplace democracy and worker representation.
The overall goal is to restructure the capitalist economy away from private concentrated wealth/ownership and toward a system aimed at meeting human needs over maximizing corporate profits. However, democratic socialists generally seek to achieve this through democratic and gradualist reforms rather than outright revolution. Notable examples of democratic socialist thinkers/politicians include Eugene Debs, Bernie Sanders, Alexandria Ocasio-Cortez, and members of the Democratic Socialists of America organization in the United States.
https://www.youtube.com/watch?v=OhWPvOJ_h1w
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This reply was modified 4 months, 3 weeks ago by
Sapna Sharma.
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This reply was modified 4 months, 3 weeks ago by
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You have provided an extensive and comprehensive list of potential reasons that a police officer may pull over a driver. It covers all the major categories of traffic violations and concerning behavior behind the wheel that law enforcement looks for, including: Speeding and reckless driving offenses. Failure to obey traffic control signals/signs. Equipment/vehicle violations. Registration/inspection lapses. Suspected impairment or intoxication. Distracted or inconsiderate driving. Licensing issues. Obstructed views. Traffic movement violations like improper turns/passing/yielding. This thorough list demonstrates a good understanding of the types of driver conduct and vehicle issues that can legally justify a traffic stop by police. Officers are trained to remain vigilant for these violations in the interest of public safety on the roads. You’ve highlighted that in addition to more obvious offenses like speeding or running reds, there are many other subtle potential violations like failure to signal, following too closely, equipment defects, suspicious driving patterns, and distracted behavior that can get an officer’s attention.. Having this awareness of the wide range of potential reasons for getting pulled over is important for all drivers to follow the rules of the road and avoid legal repercussions. I don’t have any other significant reasons to add to your already comprehensive list. Let me know if you need any clarification or have additional questions!
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This reply was modified 11 months, 4 weeks ago by Harlan.
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This reply was modified 11 months, 4 weeks ago by
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The name Biden has DNA tied to The Biden Crime Family and Treason. Therefore, Jim Biden remains a criminal at large.
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Investing in physical silver involves several steps to ensure you purchase quality silver at a fair price and store it securely. Here are the key steps to buy physical silver for investment:
1. Determine Your Investment Goals
- Purpose: Decide why you are investing in silver. Are you looking for a hedge against inflation, portfolio diversification, or long-term wealth preservation?
- Amount: Determine how much you are willing to invest in silver. This should be a portion of your overall investment portfolio.
2. Choose the Type of Silver
- Bullion Coins: Popular silver coins include the American Silver Eagle, Canadian Silver Maple Leaf, and Austrian Silver Philharmonic.
- Bullion Bars: Available in various sizes (e.g., 1 oz, 10 oz, 100 oz), bars are often cheaper per ounce compared to coins.
- Junk Silver: Pre-1965 U.S. coins (dimes, quarters, half-dollars) that contain 90% silver.
3. Research Dealers
- Reputable Dealers: Choose established and reputable dealers. Look for customer reviews, Better Business Bureau ratings, and industry affiliations.
- Pricing Transparency: Ensure the dealer provides transparent pricing, including premiums over the spot price of silver.
4. Check Current Silver Prices
- Spot Price: Monitor the current spot price of silver. This is the market price for immediate delivery and serves as a benchmark for pricing.
- Premiums: Understand that dealers will charge a premium over the spot price. This premium covers manufacturing, distribution, and dealer margins.
5. Make the Purchase
- Online vs. In-Person: Decide whether to buy online or from a physical store. Online purchases may offer more convenience and sometimes better prices.
- Payment Methods: Be aware of the payment methods accepted by the dealer (e.g., bank transfer, credit card, PayPal). Note that some methods may incur additional fees.
- Order Confirmation: After placing an order, ensure you receive a confirmation with details of the purchase, including item description, quantity, and price.
6. Secure Storage
- Home Storage: If storing at home, use a secure safe that is fireproof and waterproof. Consider home insurance coverage for your silver.
- Bank Safe Deposit Box: For higher security, use a bank’s safe deposit box. This adds an extra layer of protection against theft and natural disasters.
- Private Vaults: Consider private storage facilities that offer secure storage specifically for precious metals.
7. Documentation and Records
- Receipts: Keep all purchase receipts and certificates of authenticity.
- Inventory List: Maintain an up-to-date inventory list of your silver holdings, including purchase dates and prices.
8. Regularly Review Your Investment
- Market Trends: Keep an eye on silver market trends and economic indicators that might affect silver prices.
- Portfolio Rebalancing: Periodically review your overall investment portfolio and adjust your silver holdings as needed to meet your investment goals.
Additional Tips
- Beware of Scams: Be cautious of offers that seem too good to be true. Only buy from trusted sources.
- Understanding Taxes: Be aware of any potential tax implications associated with buying and selling physical silver in your jurisdiction.
By following these steps, you can make informed decisions when investing in physical silver and ensure your investment is secure and well-managed.
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“Cheeseburger in Paradise” is a hit song released by Jimmy Buffett in 1978. It appears on his album Son of a Son of a Sailor. The song’s lyrics humorously describe a tropical vacation during which the narrator longs for a cheeseburger. With its lighthearted and escapist themes, the song became one of Buffett’s signature tunes and a staple of his “island escapism” musical style. It reached #32 on the Billboard Hot 100 chart and has remained a beloved favorite among Buffett’s fans over the decades. Many see it as capturing the free-spirited, beach bum persona Buffett cultivates through his music.