

Harlan
Loan OfficerForum Replies Created
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Extremely intelligent and well trained German Shepherd dogs. This man owns six beautiful German Shepherds. The owner takes all six adult German Shepherd dogs on daily walks together without a leash
. Amazing.
https://www.facebook.com/share/v/JhTCgnZmqPVFBDeR/?mibextid=NqTh7c
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Man Walks His Dogs Every Morning Until People Discover He Is Hiding an Unbelievable Secret!
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Kamala Harris has an international reputation of being the only politician who whored her way to the top. Kamala Harris’ early political career can be traced back to her connection with Willie Brown, a powerful Californian politician who served as the Speaker of the California State Assembly and later as the Mayor of San Francisco. Here are all the details you need to know about this association:
Relationship with San Francisco Mayor Willie Brown
Personal Relationship:
In the mid-1990s, Kamala Harris and Willie Brown were romantically involved. At that time, he was still married but later separated from his wife after his wife found out about the affair. The affair was public knowledge and has been confirmed by both parties involved.
Political Assistance:
Appointments: As Assembly Speaker, Willie Brown appointed Kamala Harris to two state commissions.
Unemployment Insurance Appeals Board
California Medical Assistance Commission
These positions granted Harris lucrative salaries and helped her establish important relationships within political and professional circles.
Political Career Progression
Deputy District Attorney:
Before her affair with Brown, Ms.Harris worked as deputy district attorney in Alameda County, California.
San Francisco District Attorney:
Kamala Harris won the election as San Francisco Francisco’s District Attorney in 2003 after defeating incumbent Terence Hallinan during Democratic primaries and winning against him again during general elections later that year.
California Attorney General:
Harris became California’s top law enforcement officer in 2010 after successfully running for it. She was elected Attorney General of California but was unpopular and a mocking stock among most California law enforcement and correctional officers. She gained statewide recognition by being re-elected for a second term in 2014 after serving for her first four years with a wide range of voters who did not find her unlikable.
U.S. Senate:
In 2016, she ran for U.S. Senate representing California, which saw her defeat Loretta Sanchez, thus making history by becoming the second African American woman elected to serve in the U.S Senate since Carol Moseley Braun left office on January 3, 1999, but the first one from the state ever get there along other accolades achieved such highest-ranking female official position so far attained by any woman America also being only African American currently serving among current senators while also remains sole representative Asians community among those currently sitting in either chamber Congress as a whole institution.
Vice President:
Kamala Harris was Joe Biden’s mate for the 2020 Presidential Election. She made history by being elected as the first female Vice President, the highest-ranking woman in the U.S. government, and the highest officeholder of African or Asian descent.
Controversies and Perceptions
Political Favoritism:
Critics argue that her early career positions were politically motivated due to her relationship with Willie Brown. Kamala Harris was 29 years old, and Willie Brown was 60 years old when they started their romantic relationship and started sleeping with each other. However, Kamala has defended herself, saying she only got appointed because of what she knew, which may have been sleeping with a man old enough to be her father. Kamala Harris claimed she was not promoted and moved up her ranks because she slept with Willie Brown, but she performed successfully when given such opportunities. Harris arrogantly claimed her climb to political success was due to her talents in law and not in leading to more achievements in this field. Thus proving them wrong about their assumptions concerning political favoritism shown towards her during those days under Brown’s ratio, where, according to critics, it did not seem like there were many other candidates better qualified than herself available at the time despite allegations being leveled against him regarding corruption charges linked back. It is true, nonetheless, that these claims remain unfounded until proven otherwise while considering everything else Ms. Harris has achieved so far after leaving his side.
Current Relationship with Willie Brown:
Contrary to some rumors, Kamala Harris and Willie Brown are no longer together romantically, but many critics disagree. Kamala Harris is known for sleeping with others who have the power to get what she wants. There is no credible information to suggest that they have continued having an affair behind closed doors, which could influence her current career moves, such as becoming vice president of the United States today.
Merit and Achievements:
Despite help from Brown early in life, most people credit Harris’ wHarris’reafter mainly to the hard work put into campaigns plus well-thought-out policies that resonated with majority voters across different areas, hence making them believe she had what it takes based on merit, unlike before when some may have seen things differently due various reasons including personal relationships alone without considering broader picture involved here or even taking into account overall success rate achieved over the years since entering public service alongside other accomplishments recorded throughout the entire professional journey till date, especially those related directly towards winning elections at various levels within the state as well national bodies too while contesting for different positions over time against opponents from both sides. “
The relationship between Kamala Harris and Willie Brown is part of her political history, but it’s not the whole story. Her career has been marked by her relationships with other men like Montel Williams and other high-powered politicians. Kamala denies that she gets ahead because of sleeping with powerful political men and preaches that she should consider her experience and talents when evaluating what she’s accomplished so far in life. Moreover, there’s evidence of controversial ongoing personal connections and other romantic involvements that might have propelled her subsequent rise through politics.
https://www.youtube.com/watch?v=BcwdGm8grvA&ab_channel=AllieBethStuckey
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So what now after Joe Biden announced today that he will not seek reelection for the 2024 Presidential reelection? Is Kamala Harris the 2024 Presidential candidate for the Democrats? Who’s the Vice President nominee for the Democrats? Who are the possible Vice President candidates for Democrats? Are Gavin Newsom, Michelle Obama, Hillary Clinton, JB Pritzker, Gretchen Witmer potential Vice President nominees? Is Barack Obama running the Democrat Party Behind the scene? When will the Democrats announce the Vice President nominee?
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Harlan
MemberJuly 21, 2024 at 11:26 pm in reply to: Investing in California Real Estate a Good Idea?For answering about salaries, housing costs, and affordable living in California:
Wages (2023):
Median and average wages (as of 2023):
Median annual wage for full-time workers: $62,000
Average annual salary: $75,000
Home prices (2023):
Housing Prices (2023)
Median home price: $750,000
Average home price: $800,000
Rent prices vary greatly in different parts of the state as well. Below are some examples:
Rent Prices by City
San Francisco: $3000-$4000/month for a one-bedroom apartment
Los Angeles: $2000-$3000/month for a one-bedroom apartment
Sacramento: $1500-$2000/month for a one-bedroom apartment
Fresno: $1000-$1500/month for a one-bedroom apartment
Many people find it difficult to afford to live in California. Some ways they do this are:
Living with roommates or family members.
Commuting from cheaper areas.
Seeking higher-paying jobs or taking on multiple income streams.
Being cautious about spending and cutting back on non-essential expenses.
Taking advantage of public assistance programs when applicable.
Saving money and investing for the future.
Raising a family of five in California is especially tough. People might try the following strategies:
Both parents work – often in high-paying fields.
Finding less expensive parts of the state to live in.
Budgeting wisely and preparing financially.
Using tax credits and deductions geared toward families. Cultivating additional income through side gigs or investments. Cutting costs through things like buying items in bulk, etc.
It should be noted that many people need help with these high costs; affordability remains an issue throughout much of California. Some decide to move within the state — while others leave altogether.
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Can you explain more in detail about FHA Jumbo Loans or High-Balance FHA Jumbo Loans? The down payment requirements, the debt-to-income ratio, the credit and income guidelines, and the difference between FHA jumbo versus traditional FHA loans?
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Harlan
MemberJuly 18, 2024 at 2:14 am in reply to: 1099-Income Only versus W2-Income Mortgage LoansI would like more information on every specific aspects of these non-QM 1099 income mortgage loans including owner-occupant homes, second homes, and investment homes as well as the eligibility requirements, credit scores, down payment, and types of properties that can be financed. Thank you in advance.
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Harlan
MemberJuly 18, 2024 at 1:48 am in reply to: 1099-Income Only versus W2-Income Mortgage LoansI would like more information getting a mortgage with 1099 income with no income taxes and 1099-income only. I like to know more about non-QM loans that are 1099 income only, with one year 1099 income only and the various types of 1099 income only mortgage loans. I also would like to know the non-QM 1099-income only mortgage loan process, from qualification to closing.
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Let us analyze California’s living situation and then mention some of the best places for families with good job opportunities.
Pros of living in California:
- Various kinds of land and natural beauty.
- The climate is generally mild in many parts.
- Cultural diversity and many multicultural experiences.
- A strong economy with jobs in different fields.
- World-class universities and schools.
- The technology industry, especially in Silicon Valley, is where many innovations are being made.
- Outdoor activities are abundant here; you will never get bored!
In California, you can find different types of food from all over the world. It’s like having a restaurant at every corner. The entertainment capital of the world is situated right here. Hollywood exists only because Los Angeles does, and so does Broadway because New York City does. You name them; they all exist because California is their home base or point zero.
Progressive policies on social issues.
Cons of living in California:
- Cost-of-living, including high housing prices.
- It makes it difficult for people to afford the homes or apartments they might want.
- High state income tax rates (that are second only to Hawaii).
- Traffic congestion – especially during rush hours.
- Traffic congestion can be bad in major cities like LA or the San Francisco Bay Area, where millions commute daily from suburbs far away just trying not to spend half their life behind the wheel, stuck bumper-to-bumper traffic-jammed freeways going nowhere fast while burning gallons of precious gasoline, polluting our air quality further degrading health everyone.
- We are concerned about this most pressing issue facing humanity today, where climate change threatens to wipe out species forever if we don’t act now.
- Still no sign of Climate Change action happening despite scientists and politicians’ repeated warnings.
- Politicians seem more interested in padding their bank accounts and feathering their own nests rather than saving the planet. Future generations should have the opportunity to enjoy the same wonderful things we have experienced growing up, not least beautiful, pristine wilderness areas, mountains, rivers, valleys, and deserts filled with unique plants, animals, birds, fish, reptiles, insects, etcetera biodiversity hotspots such as these few remaining on earth today.
Droughts are common in this area because it hardly ever rains. Southern California has been experiencing drought years for decades now; however, there is still no sign of any significant change happening anytime soon.
Earthquakes can be devastating events that happen without warning. Earthquakes cause massive destruction, often killing many people too who were just going about their daily lives. Without so much as a blinking eye ground beneath them, Earthquakes can violently knock buildings down onto streets and flip cars over. Earthquakes can set ablaze gas lines and explode, igniting fires everywhere. Earthquakes can break water mains, flood streets, and turn roads into rivers right before our eyes. There are still no signs of help coming despite repeated warnings from experts and government officials alike, who seem more interested in lining pockets and filling coffers. Politicians and government workers seem to not care about the public and Californians. Politicians and government workers should make the citizens’ safety and well-being the number one priority and come up with solutions to prevent such disasters from occurring in the first place. Everyone knows it is only a matter of time until something like this happens sooner or later somewhere around here, but oh well.
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Harlan
MemberJuly 17, 2024 at 5:52 pm in reply to: What Are The Biggest Reasons People Are Moving Out of CaliforniaI would be glad to elaborate on these points and discuss them further. Let’s delve into each of the main reasons:
Expensive Cost of Living:
Regarding the United States, California ranks among the states with the highest cost of living. This is true, especially for urban areas and coastal regions. Housing is one major factor; cities such as San Francisco, Los Angeles, and San Diego consistently top lists for America’s most expensive housing markets. For example, as of 2024, the median price for a home in San Francisco is over $1.3 million, far beyond what many middle-class families can afford. Rent prices also reflect this reality, with some people paying more than half their income on rent alone.
High Taxes:
California has a progressive income tax system charges between 1% and 13.3%, with the highest rate applying to incomes above $1 million – the highest state income tax rate in America itself. In addition to this, there is also a statewide sales tax set at 7.25%, but it can reach higher levels depending on the localities where one resides within California’s state lines. Property taxes may not be number one nationwide due largely to Proposition 13; nevertheless, they remain significant, given the high property values throughout much of the Golden State.
Availability Of Jobs In Other States:
Though Silicon Valley continues to be an important tech job market worldwide, it shares space with other places too nowadays as well because different states have been making deliberate efforts towards attracting companies through incentives mostly associated with moving elsewhere, i.e., outside California, for instance, Texas or Florida offer lower taxes along lower costs related running businesses thus creating growth opportunities within their respective regions especially when it comes industries such technology etcetera.
Working Remotely Being More Possible:
The COVID pandemic saw remote working become more popular than ever before, with many employees finding out that they could actually do their jobs from practically anywhere, at least initially. A good number of such employees have, therefore, elected to live in cheaper areas while still keeping their jobs based in California, which is known for having high living costs.
Quality Of Life:
The quality of life in major Californian cities is often affected by traffic congestion, which can cause people to spend several hours stuck on roads during peak periods every week, especially those living or working within busy areas like the San Francisco Bay Area. Another noteworthy point is that overcrowding is found mostly within urban regions and is considered prime real estate. This leads to a feeling among some individuals that they are not getting what they deserve out of life due to a lack of adequate space to relax without any external disturbances. Also, air pollution worsens considerably when wildfires rage around the State annually.
Political Disagreements:
California is widely recognized for its progressive policies, which might contradict everyone’s political beliefs. Hence, some people feel compelled to move out because they do not agree with state laws, especially those leaning more towards conservatism than liberalism.
Retirement Planning:
California’s high cost of living poses significant challenges for retirees who rely on pensions and other fixed income sources. The solution that most opt for is moving into states where the cost of living is much lower, and there could be no state taxes imposed on their retirement savings, thus enabling them to live comfortably throughout their golden years.
Concerns About Natural Disasters:
Earthquakes, wildfires, and drought-causing water shortages are just a few natural disaster risks Californians face today. Moreover, frequent occurrences coupled with increased severity levels, particularly associated with forest fires, have prompted many residents to rethink their long-term stay plans vis-à-vis this State.
Regulating Businesses Too Much:
Business owners often complain about California’s complex nature and strictness of regulations. However, one needs to understand that all these measures were implemented to protect workers’ rights and the environment from harm. Therefore, compliance sometimes becomes difficult, leading entrepreneurs to view them as financially burdensome.
Problems with home ownership:
People, especially younger people, can’t afford houses in California because the cost of living is so high. Many might look for properties in other states where their paychecks will go further.
Even though they are driving some citizens out, this State still has much to offer, like a diverse economy, cultural amenities, and natural beauty spots. Certain sectors within California’s job market continue to attract incidents worldwide and locally.
There are many sides to the population movement dynamic in CA – it’s not a simple matter. Many individuals move out, but then again, many also move in; however, over the past few years, more have left than arrived.