In the past, police officers extended professional courtesy to motorists who dropped names of a police officer who they knew, were friends, or family when pulled over for a traffic infraction or even a drunk driving suspect. The traffic offense violator dropped names of a person who is a police officer who were their neighbors, friend, brothers or sisters, cousins, school class mate, a parent, aunt or uncles, cousins, extended acquaintance, or someone who they met once long time ago. There are also instances where the spouse of a motorist is pulled over by a police officer like the case in the video attached. Regardless, those days are long gone due to body cameras and dash cameras.

https://www.facebook.com/share/v/YpYd4ebNvEhbD54j/?mibextid=D5vuiz

Climate change refers to significant changes in global temperatures and weather patterns over time. While climate variability is natural, much of the recent observed changes are due to human activities, particularly the emission of greenhouse gases (GHGs) like carbon dioxide and methane. This phenomenon is also commonly referred to as global warming or anthropogenic (human-caused) climate change. Here’s a broad overview of its causes, impacts, and the response strategies:

Causes of Climate Change

1. Greenhouse Gas Emissions: The burning of fossil fuels (coal, oil, and natural gas) for energy, deforestation for agriculture, and industrial processes contribute to increased concentrations of greenhouse gases in the Earth’s atmosphere.
2. Land Use Changes: Deforestation not only releases the carbon stored in trees but also reduces the planet’s capacity to absorb CO2 from the atmosphere.
3. Agriculture: This sector contributes significantly through methane emissions from livestock and rice fields, and nitrous oxide from over-fertilized fields.

Impacts of Climate Change

1. Temperature Increases: The most direct effect is the rise in global temperatures, leading to heatwaves and disrupted weather patterns.
2. Ice Melt and Sea Level Rise: The increase in global temperatures has led to the melting of ice caps and glaciers, contributing to rising sea levels, which can cause coastal erosion, increased flooding, and threaten coastal communities.
3. Ocean Acidification: CO2 absorption is making the oceans more acidic, affecting marine life and ecosystems, particularly coral reefs and shellfish populations.
4. Extreme Weather Events: There is an increase in the frequency and intensity of extreme weather events like hurricanes, droughts, and heavy rainfall.
5. Impact on Biodiversity: Climate change is altering habitats and threatening species with extinction, disrupting natural ecosystems.
6. Socioeconomic Effects: Impacts include threats to food security from decreasing crop yields and the loss of livable land, which could lead to displacement and climate refugees.

Responses to Climate Change

1. Mitigation: This involves reducing the flow of heat-trapping greenhouse gases into the atmosphere, either by reducing sources of these gases (e.g., the burning of fossil fuels for electricity, heat, or transport) or enhancing the sinks that accumulate and store these gases (such as the oceans, forests, and soil). Renewable energy sources like wind, solar, and hydroelectric systems generate electricity with little or no pollution and GHG emissions.
2. Adaptation: Involves making adjustments in ecological, social, or economic systems in response to actual or expected climatic stimuli and their effects or impacts. It aims to reduce vulnerability to climate change impacts, allowing societies to manage risks and damage while taking advantage of potential opportunities.
3. International Agreements: The Paris Agreement under the United Nations Framework Convention on Climate Change (UNFCCC), signed in 2015, is one of the global efforts where countries committed to limiting global warming to well below 2, preferably to 1.5 degrees Celsius, compared to pre-industrial levels through nationally determined contributions.

Personal and Community Actions

• Reduce, Reuse, Recycle: Adopting more sustainable practices in daily life can significantly reduce one’s carbon footprint.
• Energy Efficiency: Using more energy-efficient appliances and vehicles, upgrading insulation in homes, and using public transport can reduce individual GHG emissions.
• Support/Advocate: Supporting policies and leaders who prioritize climate actions and sustainable practices is crucial. Community-level actions can amplify individual efforts.

Addressing climate change requires coordinated global actions but also hinges on national, local, and individual efforts. The collective engagement in mitigation and adaptation measures is essential to effectively manage and hopefully overcome this global challenge.

Joe Biden and his administration are planning a climate emergency in the coming days or weeks. The Democrats are panicking because of the low approval rating and are cornered on what they can do to cheat their way to get reelected. Americans should expect more crisis, climate emergency Lock downs, wars, riots, pandemics, or natural disasters

.https://youtu.be/yogGHWVZlYE?si=PhvAZVL8NaOCP8Hp

• This discussion was modified 10 months, 2 weeks ago by  Gustan Cho.

Cops are human and can make mistakes like the rest of us. However, are Cops above the law? What’s this professional courtesy among police officers? Why do Cops expect to get out of tickets and DUIs? What’s this code of silence among police officers?

https://www.facebook.com/share/v/ohutDundcae6fJpG/?mibextid=D5vuiz

facebook.com

Idiot Cops Who Got Caught DRUNK On The Job | Idiot Cops Who Got Caught DRUNK On The Job | By The JudgeFacebook

Idiot Cops Who Got Caught DRUNK On The Job

CEO Mike Kortas terminates co-founder Mat Grella of NEXA Mortgage. More to come.

https://nationalmortgageprofessional.com/news/co-founder-mat-grella-terminated-nexa

Join us this afternoon with CEO Mike Kortas on WHY NEXA Mortgage at 1 pm CDT. Every Thursdays 1 pm CDT on WHY NEXA Mortgage is where you should start your mortgage loan origination career. CEO Kortas is hands down the best Chief Executive Officer in the mortgage industry hands down. If you can’t make today’s WHY NEXA MORTGAGE ZOOM call with CEO KORTAS, CEO Mike has a WHY NEXA MORTGAGE ZOOM CALL every Thursdays at 1 pm CDT

Here’s the link

https://www.zoom.us/j/4802285442

• This discussion was modified 1 year, 4 months ago by  Gustan Cho.

The Francis Scott Key Bridge, often referred to simply as the Key Bridge, is a prominent bridge located in Baltimore, Maryland, USA. It spans the Patapsco River, connecting the neighborhoods of Baltimore City with Anne Arundel County. The bridge was named after Francis Scott Key, who wrote the lyrics to “The Star-Spangled Banner,” the national anthem of the United States. Construction of the Key Bridge began in 1972, and it opened to traffic in 1977. It is a vital transportation link, carrying Interstate 695 (the Baltimore Beltway) across the river.

As of my last update in March 27th, 2024, there were reported incidents of the Francis Scott Key Bridge collapsing and being done intentionally by a ship navigated by a Ukrainian Ship Captain. There have been many developments since then and Maryland Governor Westmoreland’s asshole is puckering because first thing out of his month is it seems that is was an accident with no foul play. Why would he even say that in such an early stage of the investigation. I would recommend consulting recent news sources from reputable media neworks for the latest information.

The Maryland Francis Scott Key Bridge Collapse was a black swan event per former Army General Michael Flynn says Clayton Morris, previous host of WEEKENDS ON FOX NEWS and now the host and owner of REDACTED NEWS. What is a Black Swan Event asks Clayton Morris? A black swan event is a term used to describe an unpredictable event that has significant and widespread consequences. Coined by Nassim Nicholas Taleb in his book “The Black Swan: The Impact of the Highly Improbable,” these events are characterized by their extreme rarity, their severe impact, and the tendency for people to rationalize them in hindsight as if they were predictable.

The term “black swan” originates from the belief in Europe that all swans were white, as all historical records confirmed this, until the discovery of black swans in Australia challenged that assumption. Thus, a black swan event represents a surprise that has a major impact and is often explained or rationalized after the fact, despite the fact that it was not anticipated beforehand.

Examples of black swan events include the 9/11 terrorist attacks, the 2008 financial crisis, and the COVID-19 pandemic. These events were highly unexpected, had profound effects on society and the economy, and were difficult to predict using conventional forecasting methods. Michael Flynn is a retired United States Army Lieutenant General who served as the 25th National Security Advisor to President Donald Trump from January 20 to February 13, 2017. Born on December 24, 1958, in Middletown, Rhode Island, Flynn graduated from the University of Rhode Island in 1981 with a Bachelor of Science degree in management science.

Flynn’s military career spanned over three decades. He served in various positions, specializing in intelligence and counterterrorism. Notably, he served as the Director of the Defense Intelligence Agency (DIA) from July 2012 to August 2014. Flynn’s tenure at the DIA was marked by controversy, including clashes with the Obama administration over his management style and views on radical Islam.

After retiring from the military in 2014, Flynn became involved in politics. He emerged as an outspoken critic of the Obama administration’s foreign policy, particularly regarding its approach to combating terrorism. Flynn became a close advisor to Donald Trump during his 2016 presidential campaign, advocating for a more aggressive stance on national security issues.

Following Trump’s victory in the 2016 presidential election, Flynn was appointed as National Security Advisor. However, his tenure was brief and marred by controversy. He resigned from his position after less than a month amidst allegations that he misled Vice President Mike Pence and other administration officials about his communications with Russian officials before Trump took office.

Flynn’s legal troubles continued after leaving the White House. In December 2017, he pleaded guilty to lying to the FBI about his contacts with the Russian ambassador to the United States during the presidential transition period. However, in May 2020, the Department of Justice moved to dismiss the charges against Flynn, citing misconduct by the FBI.

Throughout his career, Michael Flynn has been a polarizing figure, admired by some for his military service and strong stance on national security issues, while criticized by others for his controversial statements and actions. His biography reflects a complex mix of military service, political involvement, and legal controversies. Expect more man made natural disasters happening in the coming weeks and months because the Democrats are definitely panicking.

What do you think @Cpensacola

https://rumble.com/v4ltaif–mike-crispi-unafraid-3.27.24-10am-est.html

rumble.com

KEY BRIDGE COLLAPSE: INTENTIONAL OR ACCIDENT? WE INVESTIGATE | MIKE CRISPI UNAFRAID 3.27.24 10am EST

www.collect45.com
Use Code ‘Crispi’ for 20% Off! www.itargetpro.com
Use Code ‘Crispi’ for 10% Off www.TWC.Health/Crispi Code ‘Crispi’ for 15% Off! www.GreatPatriotShopper.com LFA SPONSORS & PARTNERS C

Preferred Mortgage Rates dba of Gustan Cho Associates NMLS 1660690 are commercial and residential mortgage brokers and lenders licensed in 48 states including Washington DC, Puerto Rico, and the U.S Virgin Islands. We are a one stop lending shop. We have a wholesale lending network of financial institutions with specialized commercial, business, and residential mortgage loan options. Over 80% of our clients are homebuyers, homeowners, second and vacation home buyers, and commercial real estate investors who have been through stress at other lenders or got a last minute loan denial at other lenders. All of our proved approved borrowers not only close but close on time. Preferred Mortgage Rates NMLS 2315275 is a dba of Gustan Cho Associates and GCA Mortgage Group powered by NEXA Mortgage LLC and AXEN Mortgage NMLS 1660690. PMR is the discount mortgage brokerage of Gustan Cho Associates. We cater to higher credit score borrowers with immaculate credit and try to beat the mortgage industry when it comes to rates. WE ARE MEMBERS of the Better Business Bureau with a A+ Rating and have a national reputation for being able to approve, and close commercial loans and residential mortgage loans other lenders cannot do. On the residential mortgage lending division, Preferred Mortgage Rates offers competitive mortgage rates on government, conventional loans, Jumbo Mortgages, and non-QM LOANS with credit scores down to 500 FICO with no lender overlays on agency mortgage loan programs. VA and FHA loans with credit scores down to 500, VA and FHA manual underwriting, conventional loans at phenomenal competitive rates with zero lender overlays, Jumbo Loans with credit scores down to 500 FICO, non-qm loans for NO-DOC LOANS, 12 month bank statement loans, Asset Depletion Mortgage loans, No-Ratio DSCR loans, P and L loans, fix and flip loans, ONE TIME CLOSE NEW CONSTRUCTION LOANS for one to four unit multifamily homes on owner and nonowner occupant homes, manufactured home loans, Barndominium mortgage loans, nonwarrantable and warrantable condos, and condotel condo financing. New ground up OTC NEW CONSTRUCTION loans and renovation loans. On the commercial lending division, Preferred Mortgage Rates (PMR, Inc. owns, manages and operates a subsidiary commercial and institutional brokerage and direct lending company Lending Network, Inc. Contact us at Preferred Mortgage Rates at 1-844-90-RATES. Here is PMR website

http://www.preferredmortgagerates.com

preferredmortgagerates.com

Home - Preferredmortgagerates

Mortgage Calculator

Glenn Campbell is an legendary writer and musician and had written some of the old time greatest songs like the Rhinestone Cowboy

https://youtu.be/3eTqQRWvlAY?si=Y3jjeurmvs-TmOW_

Can the Dengue Fever be the next coronavirus outbreak? Is the Dengue Fever the next bioweapon that is going to derail the 2024 elections? This Fever is beginning to break out in Puerto Rico 🇵🇷 and there is no cure.

https://www.msn.com/en-us/health/other/puerto-rico-declares-dengue-fever-epidemic-amid-spike-in-cases/ar-BB1kDJx5

Our technical and digital media marketing team headed by Sapna has been working hard to restructure the forum with restructuring the forum platform. The FORUM platform is a Great Content Authority forum. When people buy a house, sell a house, invest in real estate, or just decide to rent temporarily, they move to an unknown location where they need to get to know the neighborhood, need to know the local grocery store, shopping centers, restaurants, dentist, doctors, veterinarian, auto mechanic, body shop, plummer, electrician, landscaper, sports bar, gas station, convenience store, ethnic restaurants, specialty shops, attorney, accountant, optician, medical center, hospial, and other local businesses. We have rebranded and named our online community GCA FORUMS, which stands for General Community Forum (GCA FORUMS). We want to have a comprehensive forum covering any and all topics that relates to the average consumer, professional, business owner, student, real estate investor, homebuyer, home seller, entrepreneur, people with hobbies, car lovers, animal lovers, and people of all walks in life. We will have a comprehensive business directory that is not just a directory but a platform for customers to leave reviews, comments, and the business will list the scope of work or products they market or provide services and a landing page explaining the overview of the business. One major benefit of being listed on GCA FORUMS is we will offer the local business the option to get organic traffic where they can save money in their advertising and marketing budget because we will help the local business get organic traffic. The local businesses listed on GCA FORUMS needs to be nominated and sponsored by a GCA FORUMS member or moderator. Services we are planning on providing the local businesses are CRM, SOCIAL MEDIA MARKETING PLATFORM, access to plugins for Google Ads, and social marketing ads, and a sophisticated CRM system that will later be discussed. Designed by @Wendy GM Lahn, Esq., MBA, LL.M. Ravinder Sharma, and Sapna Sharma, we feel our members will be more than pleased on what we have planned for GCA FORUMS. Stay tuned. @sapna @Ravi @marga @Ali @Ann @April Ramirez @AngieCrippen @Angie_Torres @Dale_Elenteny @Bill Burg @mike-gracz @John Strange @cameron @Mneill0612 @Rhonda @Ronda @MortgageSensei @Lilboss @James @james-hayes @Mason @Christian Sorensen @Steve

How will having a car lease affect my debt-to-income ratio when getting approved for a mortgage loan?

Is there a one-time construction mortgage loan on two-to-four unit mult-family new construction. If so, what are the requirements on qualifying for a one-time construction loan on two-to-four unit multi-family primary homes.

I realize that late payments is the kiss of death and it is one of the biggest negative factors I can have to qualify and get approved for a mortgage. Can you please advise me on how I can qualify for a mortgage with late payments in the past 12 months? My lease is coming up and I really want to buy a house.

What adds the value to increase on a home appraisal or what do I need to do to get the highest appraisal and value for my home?

A plane crashed near a Florida expressway killing two pilots. Three passengers survived the crash. It was a small private airplane. The airplane crash was caught on dashcam.

https://youtu.be/rRFWfjyq6h0?si=Jb0oySxMXMLih1uI

Kudos to Bill Burger-King. Buying a house in Puerto Rico is similar in many ways to buying a house in the mainland United States, but there are some unique aspects and considerations to keep in mind due to Puerto Rico’s status as a U.S. territory. Here are some steps and considerations for buying a house in Puerto Rico:

1. Determine Your Budget: Before you start looking for a house, it’s essential to determine your budget. Consider your financial situation, including how much you can afford for a down payment, monthly mortgage payments, and other associated costs like property taxes and homeowner’s insurance.

2. Get Pre-Approved for a Mortgage: If you plan to finance your home purchase, it’s a good idea to get pre-approved for a mortgage from a local bank or financial institution. This can help you understand how much you can borrow and make you a more attractive buyer to sellers.

3. Find a Real Estate Agent: Working with a local real estate agent who understands the Puerto Rican market can be very helpful. They can assist you in finding suitable properties, negotiating offers, and navigating the local real estate process.

4. Research the Market: Research the different neighborhoods and areas in Puerto Rico to find the one that suits your needs and preferences. Consider factors like proximity to schools, amenities, and the cost of living in the area.

5. Property Search: Start your property search based on your criteria and budget. You can use real estate websites, work with your agent, and attend open houses to find potential homes.

6. Make an Offer: Once you find a property you like, work with your real estate agent to make an offer. Negotiations may take place, and once both parties agree on the terms, you’ll sign a purchase agreement.

7. Home Inspection: It’s advisable to have a professional home inspection to assess the condition of the property and identify any potential issues.

8. Secure Financing: If you haven’t already, finalize your mortgage application and secure financing for the property.

9. Closing Process: The closing process in Puerto Rico typically involves various legal and administrative steps. You’ll need a notary public to oversee the closing, and you’ll sign the necessary documents. You’ll also need to pay closing costs, which can include taxes, title insurance, and other fees.

10. Ownership Transfer: After closing, the property’s ownership will be transferred to your name, and you’ll receive the keys to your new home.

11. Post-Purchase Responsibilities: Don’t forget to take care of utilities, property taxes, and homeowner’s insurance. Puerto Rico has property tax incentives for certain types of property owners, so it’s essential to understand your obligations and potential tax benefits.

It’s crucial to be aware of the legal and tax implications of buying property in Puerto Rico, as they may differ from those in the mainland United States. Consulting with a local attorney and tax advisor is recommended to ensure a smooth and informed property purchase process.

Additionally, keep in mind that Puerto Rico’s real estate market can vary depending on the region, so research thoroughly and consider working with professionals who are familiar with the local market conditions.

ChatGPT can make mistake