Contractor Julio Munoz
ContractorForum Replies Created
-
The ten year treasuries are dropping every day. The 10 year treasury is at 4.14. Where are the interest rates forecasted to be in 2025? Is right now a good time to refinance? What type of refinance is there with the lowest rates and lowest closing costs?
-
What is the latest update on GCA Forums headline news? Weekend Edition (February 24, – March 2, 2025). March 2nd is almost over?
-
There is a lot of national headline news on GCA Forums Daily Headline News. There was many talk about states abolishing property taxes. What has come to abolishing property taxes? When you buy a brand new car, you pay a big chunk of sales tax when you purchase a car and you no longer pay auto sales tax year after year. However, that is not the case with property taxes. When you purchase a home, you still have to pay annual property taxes year after after. Therefore, you technically do not own the home. You are leasing or renting the property that you just put a large down payment and got a large mortgage loan. The local city or township municipality can foreclose on your home if you do not pay property taxes. Can you give us a detailed comprehensive update on this topic?
-
I am ready to buy a house and have been pre-approved but rates are too high. Are rates forecasted to be lower in 2025?
-
California Governor Newsom has a new podcast called “This Is Gavin Newsom,” and he plans to speak on important issues with people from all sides willing to speak. Newsom wants to engage with people who have contrasting political opinions so that he can have authentic conversations. He said he would love to invite people he disagrees with about the cost of living and political movements.
Presidential Aspirations Make Speculation
With the launch of this podcast, it is safe to say that people are amped up about his hopes of running for a bigger position, possibly even the Presidency. Politically speaking, Newsom is highly visible and a popular option by analysts to contest the 2028 election. Newsom, being hopeful for the Presidency, is also not out of the possibilities. In the wake of such launches, it has been noted that Politicians have exploited their Persona through Podcasts to gain favorable perspectives and Advertise their policies.
Public Reactions and Media Criticism
Podcaster Joe Rogan has taken his fair share of criticism of the Governor for how he managed the last known wildfires in California, accusing him of hiding from state issues. With such statements, it is easy to scratch the surface and realize that many people are doubting his priorities. Many people harshly reacted to the podcast and doubted its need.
Gavin Newsom provoked criticism for his nationwide campaign that allegedly overshadowed dealing with local issues. His mockers have suggested names like “Gaslighting with Gavin” to describe the campaign.
Political Career of Newsom
Newsom, a former mayor of San Francisco, has served as a Lieutenant Governor and currently serves as a Governor of California. He has implemented policies throughout his term, from healthcare to climate change and social justice. The podcast is another one of his attempts to reach out to him and seek constituents on the national level.
His recently launched “This is Gavin Newsom” podcast has raised eyebrows about his future goals and focus areas. While some see this as another attempt to create a space for bipartisan constructive talks, in higher circles, it is viewed as a move towards more ambitious goals that will ultimately lead to a run for the Presidency. His supporters will have difficulty explaining the growing ambiguity that comes with modern politics’ broadened scope.
-
Economy Discusses Coalition Recall Attempt On Forbes Newsroom
Randy Economy, the nonpartisan coalition Saving California chairman, spoke on Forbes Newsroom about the coalition’s struggles to recall Gavin Newsom from office before 2027.
Objectives And Leadership Of Saving California
This coalition started around October 2024 and focuses on working-class Californians, professionals, and advocacy community members. Its primary goals are skyrocketing living costs, rampant crime, homelessness, the small business economy, and general advocacy for general advocacy for saving California’s economy. Economy transitioned from senior advisor during the 2021 recall attempt to leading this organization, taking charge during unprecedented times.
Background of the Recall Efforts
This recall of Newsom movement attempts seemed impossible after the failure of the last six. Currently, however, there is support due to the harsh LA wildfires that burned down over 13 thousand homes, including Mel Gibson’s, which fueled Gibson’s criticisms of Newsom and his alleged negligence in managing the crises.
Recall Process And Challenges
To begin a recall election, advocates must obtain 1.3 million signatures in five months to break even. If it were to succeed, it could easily rival the aid of a couple of million dollars and will take place in September, leaving Newsom only a year to serve in office.
The last recall election 2021, which cost $276 million, failed because voters rejected it by 62%.
Newsom’s Reaction
His office has labeled the self-motivated recall as an irresponsible use of public finances. According to their vision, the recall is only backed by the extreme right and anti-Trumpers. It does not have significant voters in California.
-
Melania Trump opened up about her marriage and role as the First Lady of America; people pay much attention to this. She and Donald Trump celebrated their 20th anniversary on January 22, 2025, while the public continues to speculate on the state of their relationship.
In her most recent interview, Melania stated that she has been independent throughout their marriage and is free to speak her mind on any issue. She pointed out that she is a mother, a first lady, and a wife, which shows a blend of her private life with her public life.
Commenting on Trump’s second term, Melania revealed that she plans to spend time in the White House, New York City, and Mar-a-Lago in Palm Beach, Florida. This is helpful for Barron’s education at New York University and still allows her to stay in Washington, D.C.
All these things give new insight and a deeper understanding of how Melania Trump views her marriage and the responsibilities that come with it while balancing her independence with her family and public engagements.
-
Can you give us three case scenarios on how to compare the ten year treasuries versus the average daily 30 year mortgage rates? Like a real live scenario case scenario where the U.S. Ten year treasuries is 4.20% and want to figure out what the rough conventional, FHA, and VA mortgage rates are?
-
Considering a stump-tail macaque (Macaca arctoides) as a house pet comes with several problems and moral choices. These primates are social, thoughtful, and complex in nature which makes their needs highly demanding for a household to entertain. This guide will cover numerous considerations for keeping a stump-tailed macaques pet.
### 1. Age and Size at Adoption
Some people may look forward to adopting baby macaques, but separating a baby monkey from their mother at an early stage is ripe for behavioral and medical troubles. Stump-tailed macaques are social and in their natural habitat depend on their mothers, as well as troop members for learning and development.
Adult stump-tailed macaques are robust primates, with males weighing between 9.7 and 10.2 kilograms (21.4 to 22.5 pounds) and females slightly smaller. They have a distinctive appearance characterized by a short tail and reddish brown coat which darkens with age.
### 2. Intelligence and Behavior
The intelligence, complex social structures of counterpart and the stump-tailed macaque, are crucial to everyday life. In the case of wild environment, they stay in multi-male/multi-female groups which can go to up to 60 individuals. Activities like grooming and complex social behaviors are key components of mental interaction for these animals.
In case of captivity (without other macaques), these animals will have trouble with social interaction and will suffer from behavioral problems.
Providing adequate mental challenges is difficult in a home setting, but is essential to stump tail capuchins.
3. Lifespan
Stump-tailed macaques survive for about 20 years in the wild, but reach an astonishing 30 years in captivity. Future owners should be aware that these monkeys require a lot of attention and care throughout their life.
4. Expenditure and Upkeep
Macaques are costly animals to purchase and can set someone back by thousands of dollars. In addition, their monthly care, which includes specialized food, housing, enrichment activities, and regular veterinary examinations, can total approximately $1,000. Furthermore, ensuring that the proper infrastructure is in place to cater to their physical and mental requirements is equally costly.
5. Considering the Sex
There is no obvious proof that proves one sex will make a more suitable pet than the other. Male and female stump-tailed macaques both possess the potential to be difficult pets, especially during mating periods. People’s individual personalities differ largely due to the upbringing, socialization, and environment they come from.
6. Castration and Sterilization
Some pet owners are concerned with aggression or unwanted mating habits and may contemplate spaying or neutering their pet macaques. However, these procedures need to be done by a veterinarian with experience in primates because macaques’ anatomy and medical care is very different from other common pets. It’s crucial to have a primary specialist explain what the possible risks and benefits of such actions are.
7. Societal and Political Considerations Stump-tailed macaques remain illegal in some places.
In a number of places, keeping primates as pets is either outlawed or regulated due to welfare and public hazard concerns. Potential pet owners should validate the local laws and check if permits are necessary before proceeding.
Keeping a highly social and intelligent animal like a macaque domestically comes with a lot of ethical responsibility. Not allowing them to socialize like they naturally do can lead to depression. Suggestions from the Born Free USA Primate Sanctuary declare that pet monkeys do not make good pets and suggests that they be left in the wilderness or accredited sanctuaries.
Even though someone may find adopting a stump-tailed macaque appealing, legal and practical steps are not easy to deal with. These styled primates feature advanced needs that are highly illogical to provide in a normal home. Those wishing to adopt should try to take these thoughts into account and look for other avenues in engaging with and supporting welfare along with conservation of primates.