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The Department of Education is on the Trump chopping block. Details have not been fully released yet, but the president has signaled plans to dismantle it and move some of its key functions elsewhere. The department oversees student loans, federal funds for lower-income students, special education programs and more.
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Tulsi Gabbard, a former US representative with little intelligence experience, was sworn as the top US spy, after Republicans in the Senate lined up behind a nominee once seen as among President Donald Trump’s most controversial picks.
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After a guilty verdict, Mike Madigan joins a culture of corruption swirling since the 1980s in Chicago and Illinois politics.
https://youtu.be/pbFKomujVEk?si=igFbPdVCIFwWGj_r
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This reply was modified 1 month, 3 weeks ago by
Sapna Sharma.
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This reply was modified 1 month, 3 weeks ago by
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Rock and Roll Legend Kid Rock performing at President Donald Trump pre-Inauguration Celebration Party.
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Agenda 21 is a plan for the 21st century, and it stands for the 21st Century Agenda. Development throughout the world is weather. This document was first published at the Earth Summit in Rio de Janeiro, Brazil 1992. The United Nations has developed a comprehensive and action-diurnal plan, and it’s a voluntary one. This is the reason different conspiracy theories came out claiming that there are motives far beyond the defined goals. The purpose is economic equity and environmental conservation.
Here are some of the other conspiracy theories.
The 21st Century Agenda plan was developed by UNCED (United Nations Conference on Environment and Development), and it was the Earth Summit in 1992.
Information not Found:
A purposeless action plan was to address the global issues improperly related to environmental poverty and economic development.
To promote sustainable development by balancing social equity, economic growth, and environmental protection.
Deforestation, climate change, biodiversity loss, water management, and urban planning.
Scope
Local governments are encouraged to apply Agenda 21 in their communities. It comprises multinational, national, and local projects.
Primary Goals Of Agenda 21 Mangez
Agenda 21 is organized into four sections:
- Social and Economic Dimensions.
- Root causes of poverty and hunger.
- Access to healthcare and education.
- Polices on population growth and economic sustainability are integral.
Conservation and Resource Management
- Biodiversity and ecosystem conservation.
- Combat deforestation and desertification.
- The freshwater and sea resources must be sustainably managed.
Strengthening the Role of Key Groups
Women, youth, indigenous peoples, and NGO participation integrated within sustainable development approaches.
Implementation:
- Science and technology for sustainable practices integration.
- International cooperation and partnerships must be enhanced.
Who Propagated Agenda 21?
The United Nations:
- UN set the agenda and oversaw its approval by 178 members during the Earth Summit 1992.
Canadian Environmental Businessman Maurice Strong
- Maurice Strong was also pivotal in its endorsement while serving as the Earth Summit Secretary General.
Global Cooperation
Support was solicited from numerous governments, international organizations, and NGOs that endorsed global environmental programs.
What Are The Aims And Objectives Of Agenda 21
Goal:
- Achieving the policy goal of development, which is sustainable on a global scale.
Mission:
- Encourage multilateral cooperation to tackle climate variation, resource exhaustion, and inequality.
- Facilitate an appropriate transition to renewable energy and a constructivist attitude in consumption.
Comparative Analysis between Agenda 21 and 2030
The UN’s Sustainable Development Goals (SDGs), introduced in 2015, are what Agenda 2030 extends and expands from Agenda 21.
Similarities:
- Both showcase globalization and a dedicated approach towards sustainability.
- Address social, economic, and environmental issues and challenges.
- Encourage civil societies, businesses, and governments to participate in the activity.
Different focus areas:
- Local implementation, which involves sustaining the environment, is the sole aim of Agenda 21.
- It focuses on many issues, such as peace, climate change, gender, inequality, and poverty, and has 17 sustainable development goals.
- 2030 is more broad in scope.
Unlocking the Key Stakeholders
UN Member Countries:
- Governments from countries who signed alongside the agreements made during the Earth Summit.
Maurice Strong:
- Most people credit him with being the “father of sustainable development.
- He strongly and actively supported Agenda 21.
Business and Multinational Corporations
They are now urged to take a responsible business approach and ensure sustainability is integrated into their operations.
NGOs and Civil Society:
- Groups like Greenpeace, WWF, and other advocacy groups fall under this category.
Former President Obama is known to have said, ‘There is no such thing as an atheistic religion,’ and indeed, conspiracy theories owe their existence in part to the non-proselytizing religions such as Buddhism and Jainism.
The agenda promotes population control and government overreach while undermining national sovereignty and private property rights. What is amusing is how readily devoid of press freedom one has to be to make any semblance of a sense of Agenda 21, which describes itself as voluntary.
There seems to be an alleged correlation between this movement, the “New World Order,” and global elites.
These theories at large distort or blow out of proportion the objectives of Agenda 21, which in the first place is about collaboration and sustainability – and not about governments using violence or coercive means to control citizens.
‘New World Order’ (NWO): Where does it fit?
In the many conspiracy theories that swirl out there, the “New World Order” paints a picture of occult, powerful individuals and groups with a hidden motive for establishing a global deviant agenda for one world government and the centralization of power.
Most people and groups you are interested in, such as Bill Gates, George Soros, and BlackRock, tend to be involved with charity work and the environment and even wield economic power, contributing to such theories.
Are We Talking About Agenda 21 When We Say Agenda 25?
“Agenda 25” is not an official framework for the United Nations or any other global institution. This word might be misinterpreted, or an unofficial reference to the more sustainable approaches signified in the gap between Agenda 21 and Agenda 2030.
Agenda 21 is a collective means of achieving sustainability and environmental conservation at a global scale and is not binding. Because this framework is often used in conspiracy theories, it makes Agenda 21 appear more important than it is in reality. This document requires understanding the context of issues to be dealt with globally in a collaborative manner of any kind. Defining the issue’s needs and distinguishing the goals from the suspicions is the start of that understanding.
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Most second mortgage and HELOC lenders do not want to touch manufactured homes. Considering your situation, a manufactured home appraised at $210,000 but with $30,000 shown as the first mortgage balance, you would like to use the equity built in your home to pay off outstanding debts. In this regard, a cash-out refinance at 80% loan-to-value (LTV) is not feasible since the appraisal is short. Rather, having a Home Equity Line of Credit (HELOC) with a combined loan-to-value (CLTV) of 90% is realistic.
Your Equity and CLTV Understanding:
Estimate of Home: $210,000
Mortgages Done: $30,000
Equity Available By 90% CLTV: 90% of $210,000 = $189,000
In Fundamental Reasoning a Calculating HELOC Amount: $189,000 – $30,000 = $159,000
This calculation implies that, at most, you would be able to draw a HELOC of about $159,000 due to a lender’s first approval and other qualifications.
CLTV HELOC Lenders:
Preferred Mortgage Rates:
CLTV Limit: Most states: Up to 90% and select states: Up to 95%.
Loan Amounts: From $25,000 to $1 million.
Membership: Membership is open to all; you only need to be a credit union member.
Notice: Higher APRs and fees may apply.
Lenders For Best Rates:
CLTV limit: 90% LTV, Potentially A Little More Depending On Credit Score And Loan Amount.
Features: No closing costs and no fee options available. Rate inflation protection availability.
Remember to check the services offered in your region.
Non-QM Mortgage Lenders
CLTV Limit also provides 100% LTV home equity loans plus HELOCs.
Features: They outline zero US$ closing fee when borrowing below $250,000.
Note: This applies to most lenders; higher penal fees are charged for higher LTV loans.
Obtaining a HELOC is more complicated for manufactured homes.
Some lenders may only lend against such property if the manufactured home has a specific profile. This means it would be necessary to do so.
Find out which properties are eligible for a HELOC. Identify a lender and establish if they can lend against a manufactured home.
Also, do check the details: Other variants may include the rate, term, or even fees, like closing costs, against the HELOC for the manufactured house.
Some institutions specialize in home loans for manufactured homes. This line of lending may be cheaper for some institutions.
Next Steps:
Lenders to Contact: The credit unions either do or do not offer such a service.
Inquire whether or not such products are for manufactured homes.
Consider Looking for a cheaper HELOC for a home loan for a manufactured home without significant fees or points specific to such properties.
Understand: Make sure taking on debt is an acceptable risk, and be aware of repaying more than the principal amount.
Thus, contacting seasoned lenders in manufactured home financing can help you find a solution that fits your requirements, considering the aspects offered.
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Mortgage loan services in Tennessee can be obtained from Gustan Cho Associates! They have multiple licenses to operate, including the state of Tennessee, and offer several mortgage loan options, including VA, FHA, and conventional loans. They are known to lend money to clients with lower credit scores, which means your 500 to 550 score range might be workable with them. A quick look at your situation and a call to them might come in handy to know what is in store for you.
It is advisable that you call or email them directly at the contact information provided above for their loan services in Tennessee.
Phone: 1-800-900-8569
Text: 262-716-8151 (for quicker response)
Email: gcho@gustancho.com
Since they deal with clients with low credit scores, it is worth reaching out to them regarding your situation, as different people have different problems.
Gustan Cho Associates is a national mortgage company with licenses in states like Tennessee. It offers various mortgage loans, including VA, FHA, USDA, conventional, and non-QM loans. The company is known to lend money to clients with lower credit scores, and if you have a score between 500 and 550, then it might still be okay with them.
Below are some of the important points regarding services:
Loan Programs: They offer borrowers different loan options, such as VA loans, FHA loans, USDA loans, conventional loans, and non-QM loans, among many others.
No Lender Overlays: They claim no lender overlays on government and conventional loans, which means a more open policy with credit guidelines.
Experienced Team: Their veteran mortgage professionals are on standby to answer your questions and assist you throughout the loan process.
Contact Information: They can be contacted at 1-800-900-8569, through text at 262-716-8151, or email at gcho@gustancho.com
This is certainly a good opportunity for you to contact them regarding your particular case and find out what options may be available.
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I understand how you feel. Credibility issues are truly demoralizing, especially for someone with a high score like 768. Here are four points to consider:
VA Loan Credit Score Requirements: The VA does not impose minimum credit terms; however, lenders do. Most lenders typically look for a minimum score of around 620. However, some lenders may have more restrictive criteria for applicants without citizenship or new immigrants.
Lender Policies: Different lenders have their policies and criteria on how much risk they are willing to take when approving VA loans. You may be dealing with a lender with rules regarding new immigrants or Green Card holders who still need to establish a credit account.
Co-signer Option: A co-signer is an outright miracle because, say, a lender does this—allows a co-signer with a strong credit history—which can then easily translate to being able to qualify for a loan using your score.
Exploring Other Lenders: It is recommended to seek new quotes, especially for new immigrants, because, with other lenders, you might have more leeway. It is always best to look for better rates and terms from different lenders when beneficial.
Improving Your Credit Profile: If you haven’t done so already, you should consider building a credit history in the United States. This can include getting a secured card, making regular payments, and building a good credit history over time.
It must be stressed that you should speak for yourself and ensure you are not unfairly treated. If you believe that discrimination is an issue, consider consulting with a legal expert or an agency that deals with consumer protection.
Are you interested in asking how to look for lenders who allow new immigrants to start without strict requirements?
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In general, even just one late payment for the mortgage can be quite damaging to your score, so you need to get a strong credit history. Here’s how it generally affects your credit:
Immediate Impact: If you are over 30 days past the due date and do not pay, your score will be hit by around 60-110 points. Logically speaking, those with a high score have more to lose with a single late payment.
Duration of Impact:
Short-Term (6-12 months): The impact takes time to develop, especially if you are able to maintain an otherwise impeccable history of making payments. The score can fully recover six months or a hundred days later, depending on whether the good information supersedes the negative one.
Long-Term (up to 7 years): It might last on report for over 7 years, but the pace at which the score takes a hit after 12 months is less severe, barring one factor, if there are continuous late payments after being paid.
Severity and Recurrence: If it’s a first or second-time late payment, for 60 and 90 days, respectively, then it won’t mean too much, but if it’s not the first time, that single late payment will scar your image for longer than necessary.
Improving Your Score After a Late Payment: A simple solution for the issue is to pay all scheduled amounts on time in the future. That helps build a positive payment history, which will offset past negatives.
When reaching out to the lender, why not ask for a goodwill adjustment in case they were late due to extenuating factors?
Please ask if you have further questions regarding credit recovery or other tactics!