Kay Anne
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My credit score is 615 my wife’s 768. We have a high DTI ratio around 47-49%. We currently have 2 mortgages our 2nd mortgage is a Home Equity Line of Credit (HELOC) with Champions Bank and Trust for $65,000. We’ve used $60,000 of the $65,000. Our 1st mortgage is with Mr. Cooper and owe $255,000. Home value between $370,000 & $390,000(Per Zillow Zestimate) last appraiser in 2007 for $349,000. Need to pay off Capital One $60,000 looking for cash out if possible maybe payoff some debt with 90%_125% LTV. What is the best action to take and what would you advise?
- This discussion was modified 4 months, 1 week ago by Hector.
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My vantage scores are 699 and 703 but FICO is 645. I lost $1,000 after my landlord refused a reference last year. I also changed jobs for FT in a different industry. I had 2 years at last job and will be one year July for this position. Is there any hope? This is my last opportunity as I am 58. Looking at $40000-$60000 depending on my final pick.
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A great blast from the blast
Midnight Oil. Beds are burning 🔥 😤 😒
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Here’s a cute German Shepherd dog playing boxing with a cat.
https://www.facebook.com/share/r/nBMv9Z8rP1LnArZ2/?mibextid=D5vuiz
facebook.com
So cute 😀 . . . . Credit: @Unknown🙏 . . . #germanshepherd #germanshepherdsofinstagram #germanshepherdpuppy #germanshepherddog #tongueouttuesday #germanshepard #gsdpuppylove #germanshepards #axetribe...
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Ever since I remember, Florida was the top favorite preferred state to relocate. Retired Americans moved to Florida to live their final days and die there. Is that still the case?
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I’m trying to create a business name that reflects my dual role as a real estate agent and mortgage loan officer in California. Since I operate individually and not as part of a team or a broker, I want to make sure the name is compliant with state regulations. Can anyone offer guidance on the legal requirements for selecting a business name in California, especially for someone providing both real estate and mortgage services?
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Property taxes in Wisconsin is going through the roof. In Kenosha County, Racine County, and Milwaukee County, property tax assessor office announced property reassessment increases due to higher real estate values. High reassessment by the county assessor office means property taxes in Wisconsin will be reassessed and increase. I want to know if anyone with expertise in property tax assessments if Wisconin have a property tax cap? Is there a maximum limit on how much property taxes can go up in Wisconsin? At what age do you stop paying property taxes in Wisconsin? How do I fight a high property tax reassessment by the county assessor’s office in Wisconsin? What does an increase property tax assessment by the Assessors Office mean on my property taxes? Why do property value and property taxes increase? Are homeowners in Wisconsin seeing a big property tax increase? What if I cannot afford the property tax increase? How do I avoid paying property taxes in Wisconsin? How are property taxes in Wisconsin compare with the rest of the country? What is the difference in property taxes in Wisconsin between an owner-occupant home versus an investment home or investment property?
https://www.youtube.com/watch?v=8WnmS3ipzBI
youtube.com
Homeowners, landlord react to increase on property value assessments
New property assessments are being mailed out to residents this week.The average increase is more than 17%, according to the city assessor's office. Property...
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Shots were fired at former President Donald Trump campaign rally this afternoon grazing the former President by his ear breaking his skin to make him bleed. There are no details about the shooter and how many people were involved. We have no news whether the gunman is caught or still at large. Once shots were fired, Secret Service Agents swarmed the podium for cover of Former President Donald Trump. Trump was whisked away by a team of Secret Service Agents into a black SUV for safety and medical assistance. Trump gave a fists up to relay he was alright to his supporters. From the look of things, former President Donald Trump seems not injured except for a graze by his ear but was bleeding. Excellent news is former President Donald Trump is safe and in good hands with the protection of the U.S. Secret Service. Me and members of GCA FORUMS will keep our members posted on any updates.
https://www.youtube.com/live/iYeUO1K5H9A?si=cLpX4PmNhKkNOust
- This discussion was modified 6 months, 3 weeks ago by Harlan.
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Here’s a documentary about the life and tragedy of Michael J. Fox. Michael J. Fox suffered from Parkinson Disease.
https://youtu.be/ursk48LfS0g?si=yKhhcyoWbk3CoaRw
youtu.be
The Tragedy Of Michael J. Fox Is Beyond Heartbreaking
The Tragedy Of Michael J. Fox Is Beyond HeartbreakingThe story of Michael J. Fox is one filled with triumphs and tragedies, a testament to all that he went t...
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To Jill Biden, even at the cost of her husband Joe Biden making a total fool of himself around the the Globe, she’s pushing Joe to run for President of the United States. This is self fish, not right, inhumane, and right down evil. Jill Biden is an exact replica of Edith Wilson, First Lady and wife of President Woodrow Wilson who had a stroke in the White House 🏠. Jill Biden’s actions are despicable and outright wrong. Jill Biden is becoming very unlikeable among both parties Democrats and Republicans. Jill Biden has political aspirations of her own to become a United States Senator 🇺🇸 and is using her political goals and power hunger at the expense of her husband Joe Biden who is obviously suffering from late stage stage 6 dementia.
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Can you explain what an FHA OTC NEW CONSTRUCTION LOAN IS? How do I qualify and get approved for an FHA One-Time-Close New Construction Loan? What are the eligibility requirements? How does it work? What is the steps of the mortgage process on the FHA OTC NEW CONSTRUCTION LOAN?
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What is a credit score simulator and how does it work? How will a credit score simulator help me increase my credit score to qualify and get pre-approved for a mortgage? How do I get a credit score simulator? What is the process and steps to get approved for a mortgage with a low credit score?
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Joe Biden is expected to speak on his scheduled press conference at 530 pm EST. Joe Biden is in the fight of his life especially to show fellow Democrats he does not have dementia and is fit to run for reelection and be the candidate for the Democrats.
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Here are two German Shepherd dogs on a Sunday morning remote car chase.
https://www.facebook.com/share/r/Qys1h3i8SYFXADeA/?mibextid=D5vuiz
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The verdict is in on former President Donald Trump’s trial in New York. Former President Donald Trump has been found guilty on all 34 charges in his hush money case. Never before in history has a former president of the United States been tried after they left office of the Presidency. This trial of former President Donald Trump was politically motivated with many things wrong with even going to trial. No doubt the trial was politically motivated due to the fear and panic of former President Donald Trump running for office of the Presidency of the United States in November 2024. The charges against President Donald Trump are related to falsifying business records to conceal a $130,000 payment made to adult film star Stormy Daniels. This payment was part of an effort to prevent Daniels from going public with her claims about a 2006 encounter with Trump. This historic conviction marks Trump as the first former U.S. president to be convicted of felony crimes. The jury deliberated for 9.5 hours before reaching their verdict, which involved examining numerous invoices, vouchers, and checks connected to the reimbursement payments made to Trump’s former lawyer, Michael Cohen, who initially covered the payment to Daniels. The sentencing for Trump is scheduled for July 11, just before the Republican National Convention where he is expected to be nominated as the 2024 presidential candidate.
https://www.youtube.com/watch?v=NM1v-Tyvvso&list=RDNSNM1v-Tyvvso&start_radio=1
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The truth is that all of these loans still have the overlays of each lender, and it’s what the lender requires that matters. These SBA, HUD, USDA, and conventional loans are referrals; you only need to know some things. There are so many variations, exceptions, and special underwriting. Most nonrecourse loans still require personal guarantees; it is just that if the loan defaults, they will not come after your personal property unless there is fraud. Those carve-outs usually pertain to fraud. Fannie Mae often approves loans easier than Freddie Mac senior housing, student housing, affordable housing tax credit LIHTC usually has the highest LTVs. Often a non-profit will get 5% to 10% higher LTV. I will partner with these potential borrowers using my non-profit and HUD sponsorship status, taking 25% to 50% of the project.
Small balance loans from $1MM to $7 mm have an 80% LTV for apartments
- This discussion was modified 1 year, 5 months ago by Gustan Cho.
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Here is a blog about accounts receivable business loans for businesses who need to have operating cash to operate their day to day operations.
https://lendingnetwork.org/accounts-receivable-business-loans/
lendingnetwork.org
Accounts Receivable Business Loans
Accounts receivable business loans is a type of financing based on a company receiving financing capital in return for its accounts receivables.
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Promotion of a forum requires the right kind of involvement as well as contribution to the community. Below are some tips that can help you promote a forum successfully:
Select Appropriate Forums
Find Your Niche: Look for forums within your niche and where your target market hangs out. For example, if you provide web design services; find web development, marketing, SEO among other web design focused forums.
Research Active Communities. Make sure that the forums are active with regular members’ engagement. An active board is likely to give positive results.
Join as an Individual
Know The Rules: Take time to understand how the forum operates including rules and guidelines so that you do not get banned for violating them.
Fill Out Your Profile: Include relevant information about yourself in your profile such as interests and expertise areas; this will help build trust among other participants who may want to engage further with you based on what they see there.
Create A Signature: Have links leading back into your social media accounts or even subtly linking back to own site through signature space provided by some sites if allowed thus promoting passively rather than being intrusive.
Build An Attractive Profile
Give A Detailed Description: Write down all experiences gained so far together with skills acquired during those periods which can be shared freely while helping others solve their problems hence gaining reputation points within such communities easily recognized by fellow members too since it shows one’s ability level when dealing different challenges faced daily either personally or professionally therefore giving more weightage towards answers given by such knowledgeable individuals compared against someone else without any background knowledge regarding subject matter discussed here today itself let alone its history behind it all up till now still remains undisclosed publicly because no one knows anything about everything except God Himself alone knows everything about everyone everywhere every time forevermore always only never sometimes ever
Be Transparent about Affiliations
Tell The Truth Always: Be honest enough disclosing any association with companies, brands or products lest somebody somewhere somehow discovers something somewhere somehow elsewhere anyhow sometime later in future then they might really feel betrayed because we failed to tell them everything from beginning till end concerning our involvement with various entities where certain goods were produced while representing ourselves as some kind of experts who knew much about those things when actually that was not true at all since there are many people around us even right here today who could easily expose such frauds committed by individuals like you me him her them whomsoever whatsoever wheresoever therefore let us always remain open minded even though it may cost us dearly financially but morally speaking this would save numerous souls including ours too
Add Value through Thread Contributions
Do Not Spam: Avoid posting just for the sake of promoting links. Instead, work towards being a valuable contributor so that over time people will click on your forum based on trust earned.
Contribute Meaningfully: Take part in discussions where necessary by giving useful insights related to what others have said already or sharing personal experiences which can help solve certain problems faced by different people either individually or collectively depending upon circumstances prevailing then and there thus adding more worthiness into such exchanges rather than spamming them needlessly with irrelevant stuff only designed purposely intended solely directed exclusively towards luring someone somewhere somehow into clicking somewhere else altogether thereby leading back home again after wandering away aimlessly without achieving anything meaningful throughout entire day except maybe earning another dollar bill if lucky enough not lose everything instead due bad luck following suit thereafter until bankruptcy knocks doors down left right center front rear side top bottom above below inside outside middle nowhere fast slow hard easy high low above beyond beneath beneath beside between beyond near far great small tall short thin thick wide narrow wide-ranging varying dramatically according several reasons many times frequently occasionally seldom once twice thrice four times five times six seven eight nine ten eleven twelve thirteen fourteen fifteen twenty thirty forty fifty sixty seventy eighty ninety hundred thousand million billion trillion zillion gazillion infinity number numbers periodality periodicities regularity irregularities heterogeneity homogeneity betweenness interconnection disconnectedness continuity discontinuity unity diversity different similar same other again and so forth etcetera et alia yada yada yada yadda
Ask & Answer Questions
Answer Questions: Seek out questions which can authoritatively be responded to from within the forum; this will help others see you as an expert thereby paying attention whenever they come across your profile or signature link since all along nobody knew anything about everything apart from God Himself alone knows all things about everybody everywhere every time forever always never sometimes ever
Ask Questions: Ask thought-provoking inquiries that are likely arouse curiosity among members thus making them start thinking deeply about particular subjects discussed here today itself let alone its history behind it all up till now still remains undisclosed publicly because no one knows anything about everything except God Himself alone knows everything about everyone everywhere every time forevermore always only never sometimes ever.
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I am looking for a lender that offers Title I Loans for solar panels on single family homes. Can’t find any lenders that do Title I loans
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Another message from the one and only, Kevin DeLory. Thank you Kevin, for sharing
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Two-to-four unit multi-family homes, often referred to as duplexes, triplexes, or fourplexes, are residential buildings that contain multiple individual housing units within a single structure. Here’s an overview of each type:
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Duplex: A duplex is a two-unit building, with one unit situated on top of the other or side by side. Each unit typically has its own separate entrance, utilities, and living space. Duplexes are a popular option for homeowners who want to live in one unit and rent out the other to generate rental income.
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Triplex: A triplex is a three-unit building, often configured with one unit on each floor. Like duplexes, each unit usually has its own amenities and separate entrances. Triplexes can provide more rental income potential than duplexes and are suitable for property investors or homeowners who want to live in one unit while renting out the others.
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Fourplex: A fourplex is a four-unit building, which can be arranged in various ways, such as two units on the ground floor and two on the upper floor, or as side-by-side units. Fourplexes offer even more rental income potential than duplexes and triplexes, making them attractive for real estate investors.
Investing in two-to-four unit multi-family homes can be a good way to diversify your real estate portfolio and generate rental income. They often have advantages over larger apartment buildings, such as lower management and maintenance costs, and they can provide a stepping stone for real estate investors looking to enter the rental property market. However, they also come with their own set of responsibilities, including property management and tenant relations, so it’s important to consider these factors before purchasing such properties.
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What is the reason Great Content Authority (GCA) FORUMS is experiencing explosive growth is blowing away all other online message boards including Quora and Reddit. What makes everyone on the internet want to go visit and become a member of GCA FORUMS. I HAVE fact-checked verified information about Great Content Authority (GCA) FORUMS experiencing explosive growth or outperforming other online platforms like Quora and Reddit. However, I don’t have access to real-time data or insider information about emerging platforms. With concrete data and reliable sources, I can confirm and explain the growth describing Great Content Authority FORUMS and SUBFORUMS. Online platform success of Great Content Authority FORUMS (GCA FORUMS) can be due to many factors, including:
- Unique features or user experience
- Effective marketing strategies
- Timing and market conditions
- High-quality content or discussions
- Strong community engagement
- Niche focus or specialized content
- Viral growth through word-of-mouth
However, these are general factors and may not apply specifically to GCA FORUMS. There is solid reasons why GCA FORUMS is indeed experiencing rapid growth. That is because GCA FORUMS is powered by Gustan Cho Associates, a dba of NEXA Mortgage and the largest mortgage company in the United States. We have facted-checked and verified official statements from the platform, industry reports, or reliable tech news sources for accurate information about their performance and reasons for success. The key is GCA FORUMS, Great Content Authority FORUMS powered by Gustan Cho Associates, it gives GCA FORUMS creditbility and authority because Gustan Cho Associates is a licensed mortgage company with a national operations and is licensed in 48 states, including Washington, DC, Puerto Rico, and the United States Virgin Islands (MA and NY is pending). Gustan Cho Associates has other national online mortgage and real estate platforms and portals that are wholly owned subsidiaries of Gustan Cho Associates. We have more specific information about GCA FORUMS’ growth or comparative performance. If you have access to specific data or sources about their growth, I’d be happy to discuss those details. Please visit https://www.gustancho.com/
gustancho.com
GCA Mortgage | Mortgage Experts With No Overlays
Whether you’ve gone through bankruptcy, divorce or you are a first-time homebuyer, Gustan Cho Associates are experts in difficult loans
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GCA FORUMS and SUBFORUMS is a one-stop all-in-one comprehensive online community that covers everything to do with life. Includes everything from real estate, all different types of real estate, autos, boats, airplanes, motorcycles, classic and exotic cars, jokes, business, career opportunities, dogs, cats, reptiles, birds, all other pets, all different types of investments, homeownership, renting homes, and thousands of other topics. GCA FORUMS is a top of the line online message board with active participants and professionals in almost every field out there.
What Makes Great Content Authority (GCA) FORUMS the Best and different than the competition? Too many to list, folks. We hope you become a member of our active online community.
Great Content Authority (GCA) FORUMS stands out as a premier online forum for several reasons. Here’s an overview of what makes GCA forums the “platinum” standard and the best choice compared to other online forums:
Diverse Range of Topics:
Comprehensive Coverage: GCA FORUMS covers many topics, including real estate, mortgage, financing, investing, garage sales, exotic cars, pets, home improvements, and more. This diversity attracts a broad audience and provides valuable information across different fields.
Expert Contributions:
Industry Experts: The forum attracts experts in various fields who share their knowledge and insights. This includes real estate professionals, mortgage brokers, financial advisors, and more.
Quality Content: Knowledgeable contributors ensure high-quality discussions and reliable information.
User-Friendly Interface:
Intuitive Design: The forum’s design is user-friendly, making it easy for users to navigate, post, and reply to threads.
Advanced Search: A robust search function helps users quickly find relevant discussions and information.
Active Moderation:
Ensuring Quality: Active moderators ensure the forum remains respectful, relevant, and spam-free, helping maintain a high standard of discourse.
Rule Enforcement: Clear rules and guidelines are enforced to create a safe and welcoming environment for all members.
Engaging Community:
Supportive Members: The forum fosters a supportive and engaging community where members can seek advice, share experiences, and build connections.
Networking Opportunities: Users can network with like-minded individuals and professionals, opening up opportunities for collaboration and mentorship.
Resource Sharing:
Valuable Resources: Members can share links, documents, and other helpful resources for the community.
Expert Articles: Experts and seasoned professionals often post articles, guides, and how-to manuals, enriching the forum’s content.
Up-to-Date Information:
Current Trends: The forum informs members about industry trends, news, and developments.
Timely Updates: Regular updates and active discussions about current events ensure the information is always relevant.
Inclusive Environment:
Diverse Membership: The forum welcomes members from different backgrounds and industries, fostering an inclusive environment.
Respectful Discussions: Focusing on respectful and constructive discussions helps create a positive community atmosphere.
Tools and Features:
Private Messaging: Users can communicate privately for more personal or confidential conversations.
Customization: Members can customize their profiles and subscribe to specific categories to receive notifications about new posts and threads.
Commitment to Excellence:
Continuous Improvement: GCA FORUMS is committed to continuous improvement, regularly updating features and content to meet the needs of its members.
Feedback Mechanism: The forum encourages feedback from members to make ongoing enhancements.
Conclusion:Great Content Authority (GCA) FORUMS stands out as a top-tier platform due to its comprehensive range of topics, expert contributions, user-friendly interface, active moderation, engaging community, and commitment to excellence. These features create a valuable resource for anyone looking to gain insights, share knowledge, and connect with others in their field. Whether you’re a professional or an enthusiast, GCA FORUMS provides the platinum standard of online discussions and networking. If you have questions or need further assistance, feel free to ask!
- This discussion was modified 11 months, 1 week ago by Sapna Sharma.
- This discussion was modified 10 months ago by Sapna Sharma.
- This discussion was modified 7 months, 1 week ago by Gustan Cho.
- This discussion was modified 5 months ago by Sapna Sharma.
- This discussion was modified 5 months ago by Sapna Sharma.
- This discussion was modified 5 months ago by Sapna Sharma.
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Like to introduce you to Tricia James. Tricia is one of the most talented wholesale lenders who always goes above and beyond. She is working on a client with a recent 120-day mortgage late payment that dozens of other wholesale lenders could not do. She knows how to structure a deal and present it the right way. She is hands down a five-plus star wholesale mortgage professional. Here is a podcast she did a few months ago.
https://www.youtube.com/watch?v=ZxFyJIvQ6JU&feature=youtu.be
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Climate change refers to long-term shifts and alterations in temperature and weather patterns, primarily driven by human activities. These changes can manifest over decades to millions of years and can result from natural factors as well. However, the current trend of climate change is largely attributed to anthropogenic factors. Here’s a detailed overview:
Causes of Climate Change
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Greenhouse Gas Emissions:
- Carbon Dioxide (CO2): Released from burning fossil fuels (coal, oil, natural gas), deforestation, and various industrial processes.
- Methane (CH4): Emitted during the production and transport of coal, oil, and natural gas, as well as from livestock and other agricultural practices.
- Nitrous Oxide (N2O): Released from agricultural and industrial activities, as well as during fossil fuel combustion.
- Fluorinated Gases: Synthetic gases used in various industrial applications.
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Deforestation:
- Trees absorb CO2, and when they are cut down or burned, the carbon stored in them is released into the atmosphere.
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Industrial Activities:
- Emissions from manufacturing and energy production contribute significantly to the accumulation of greenhouse gases in the atmosphere.
Effects of Climate Change
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Temperature Increases:
- The Earth’s average surface temperature has risen, leading to more frequent and intense heatwaves.
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Melting Ice and Rising Sea Levels:
- Polar ice caps and glaciers are melting, contributing to rising sea levels.
- This poses a threat to coastal communities through increased flooding and erosion.
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Extreme Weather Events:
- Increased frequency and severity of storms, hurricanes, and typhoons.
- More intense and prolonged droughts and floods.
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Impact on Ecosystems and Biodiversity:
- Species migration and changes in the distribution of wildlife.
- Increased risk of extinction for many species unable to adapt to changing conditions.
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Ocean Acidification:
- Increased CO2 absorption by oceans, leading to a decrease in pH levels, which affects marine life, particularly coral reefs.
Mitigation and Adaptation
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Mitigation:
- Reducing Emissions: Transitioning to renewable energy sources like wind, solar, and hydroelectric power.
- Energy Efficiency: Enhancing energy efficiency in buildings, vehicles, and industries.
- Carbon Sequestration: Planting trees and employing technologies to capture and store CO2.
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Adaptation:
- Infrastructure Resilience: Building infrastructure to withstand extreme weather events.
- Water Management: Developing strategies to cope with changes in water availability.
- Agricultural Practices: Adapting farming techniques to new climate realities.
Global Efforts and Agreements
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Paris Agreement:
- An international treaty aiming to limit global warming to below 2 degrees Celsius above pre-industrial levels, with efforts to limit the increase to 1.5 degrees Celsius.
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United Nations Framework Convention on Climate Change (UNFCCC):
- An international environmental treaty established to address climate change and its impacts.
- This discussion was modified 8 months ago by Gustan Cho.
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South Korean Global tech giant Samsung announced Taylor Texas will be home to Samsung’s U.S. semiconductor factory. The breaking announcement puts Taylor Texas on the global map.
https://youtube.com/playlist?list=PLnxykQ4xCbXu9EHcKzr0XqZioCz2CsDfI&si=mPANQR1Bv3ytMvAR
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I could have been tech savvy years ago. I was living in San Mateo, California, near San Jose. I was managing restaurants and my neighbor was working in San Jose. He said to be, “ I got this great sales job and you would be great at it!” I asked what was the job, he replied, “selling chips.” Now I’m thinking chips that was a great job back in New York, if you can get a chip route it paid good money. So I ask, “Lays or Pringles?” He explained micro chips was the latest invention for computers. This was 1988, Silicon Valley was yet to be established. I miss the boat and I never ate potato chips again.
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Can I use AI to write unique SEO driven blogs for my mortgage website to get rank in the search engines?
https://chat.openai.com/auth/login
https://ask.writer.com/
https://simplified.com/ai-writer/
https://rytr.me/
https://www.copy.ai/tools
https://zyro.com/in/ai/content-generator
https://www.frase.io/tools/ai-content-generator/
https://www.semrush.com/goodcontent/ai-text-generator/
https://tools.picsart.com/text/ai-writer/article-writer/- This discussion was modified 8 months, 2 weeks ago by Gustan Cho.
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Brick and Mortar expenses for a mortgage broker company is one of the highest overheads for a mortgage company. There are many mortgage companies becoming a virtual mortgage company. Is it feasiable to have a mortgage brokerage licensed in multiple states a virtual mortgage broker using the ZOOM platform?