Below are the steps to create a business directory:

Step1: Click on business form top or here is link https://gcaforums.com/business/

Step 2: Click on Create a Business

Step 3: Enter the details like Business Name, Business Description and select the category of your business and click on create business blue button.

Step 4: Upload business profile picture and click on next button.

Step 5: Upload the cover photo and click on visit business

Now you business page created. Now there are more addition information which you can add in your business page like phone number, address , social media links etc.

So for these setting go to your business page which you created and click on Setting option. Where you can add all information which you want.

Breaking News from Perry, Indiana. Tyson Foods fires American workers and hires migrant workers. Recently, there have been rumors that Tyson Foods has fired American employees in Perry, Indiana, and replaced them with migrant labor. Such claims lack evidence and take a situation out of context.

Clarification of Events:

The company stated specific business reasons for the closure and encouraged affected employees to apply for other positions within Tyson Foods. Perry, Iowa Plant Closure: Tyson Foods announced in March 2024 the shutdown of its pork processing plant in Perry, Iowa, leading to the layoff of around 1,200 workers. Misinformation on Hiring Practices:

After the factory shut down, speculation went viral, alleging that Tyson would employ 52 thousand immigrants to replace those who lost their jobs. The company has repeatedly denied these claims, saying it has no plan to recruit them and that every worker must be legally authorized to work in America.

Tyson Foods’ Employment Policies:

Tyson Foods says, “We would like to make it clear once again that we only hire people with the legal right to work in this country.” The company has established strong hiring guidelines to ensure adherence to employment laws and participates in government schemes such as the IMAGE (Mutual Agreement between Government and Employees) program and E-Verify.

Tyson’s Commitment to Employing Refugees: In 2022, Tyson committed to hiring approximately 2,500 refugees over three years in partnership with Tent Partnership for Refugees.

This initiative differs from the layoffs in Perry, Iowa, as these individuals have work permits.

Current Status in Perry, Indiana:

No Reported Layoffs or Replacements: According to credible reports, Tyson Foods has not laid off any local American workers in Perry, Indiana, and replaced them with migrant laborers. However, confusion may arise based on what happened in Perry, Iowa, and misinformation afterward.

Unfounded Claims of Firing Americans and Hiring Migrants by Tyson Food Industries Inc

The company imposes strict recruitment strategies to verify the legality of each employee’s employment documents within U.S. boundaries. Instead of rumors, reliable sources should be used to provide information.

https://youtu.be/eGe5Z7aGYK4?si=zGAZKdA2HRpJEyzr

• This discussion was modified 3 months, 1 week ago by  Gustan Cho.

California Governor Caught Plotting Against Trump to Use Tax Dollars Inappropriately. With only 2 weeks to go before Former President Donald Trump takes office, blue state governors are gearing up for how to go to battle over Trump’s immigration policies, that is the number one item on these big state agendas. Why are they so concerned with Trump’s plan to remove the criminal illegal migrants from their states? Why are they coming out publicly opposing Tom Homan, Trump’s new border czar? Well we may have some answers after an internal memo was leaked to politico from an insider on California Governor Gavin Newsom’s team, from his office. Detailing how Gavin Newsom plans to fight Donald Trump’s mass deportations, and using tax dollars to do it!

https://youtu.be/lSiGW3czdbg?si=H4Ra2RhnVDR-96Te

The City of Chicago has a major budget deficit. Chicago is outspending Los Angeles, New York, and other major big cities

What Chicago needs is an office of government efficiency. Get rid of Incompetent Mayor Brandon Johnson and other leaders without a clue

https://youtu.be/zVJli70qr7Y?si=kPQ9oqtxhT7JqsqH

What can you do if my one-year-old German Shepherd dog has floppy ears? Is there surgery, drugs, tape, to make the ears stand up?

Headline News For Monday December 30th 2024

On December 30, of the year 2024, a variety of noteworthy changes have taken place within the spheres of business and politics:

Business

Wall Street Performance:

• The stock markets of the United States fell on December 30, with all three benchmarks completing lower in value than the previous day.
• The Dow Jones Industrial Average dropped by 418.48 points. The S&P 500 was down 63.90.
• The Nasdaq Composite was down 235.25 points.
• The decline is concerning.
• However, when viewed annually, the performance remains respectable, with the Nasdaq around 30%, the S&P 500 over 24%, and the Dow rising slightly over 13%.

Rising Treasury Yields

Yields on the Treasury have become a problem in this longer-term bull market. According to recent reports, the current 10-year treasury yield has been at its highest for the past seven months. There are concerns about how that might impact the equity markets. A hint that yield than usual may drive the stocks ward over time.

Trump Administration’s Impact on Wall Street

To no one’s surprise, the trump presidency is changing the policies meant to govern Wall Street and is bound to have a larger impact. Joe Biden’s administration is hoping to achieve a plethora of changes. The anticipated changes would make it easier for banks to abide by capital requirements, enable mergers and acquisitions, and support the cryptocurrency and fintech sectors. The policy shift will likely be business-oriented, and regulators will be less ruled out.

Politics

US Avails from Government Shutdown:

• The likelihood of a government shutdown was narrowly prevented when Congress approved an extension of current expenditure.
• This bipartisan approach extends the resolution of continuing to March 14, 2025.
• It has also provided for disaster management and extensions of other programs.
• Several conservative groups opposed the proposal, but it was eventually approved, averting a shutdown.

International Trade Worries

Donald Trump’s proposals regarding tariffs and taxes on imports from Mexico, Canada, China, et al. are generating fears of potentially adverse effects on the economy worldwide during the decade. In this way, the further increase of prices combined with trade restrictions and other economic factors could hamper stability in the international economy.

Economic activities of China

In December, the Chinese economy was expected to grow slower but more stable, as the manufacturing industry anticipates modest growth for the third month. However, a set of US tariffs could disturb this momentum.

Notable Passings

Commemoration of United States President Jimmy Carter:

The 100-year-old Jimmy Carter, president between 1977 and 1981, was also active in humanitarian services after his presidency through involvement in Habitat for Humanity construction and solving international conflict, earning him a Nobel Peace Prize.

Sports

Jayden Daniels Receives Great Training From Commanders Coaches:

• Interestingly, This story starts with Jayden Daniels, the Commander’s first drafted player.
• However, this decision still left me curious.
• Daniels made a remarkable contribution to the team’s performance, helping them secure a record of 11 wins and five losses. This was achieved through a team effort.
• Furthermore, under the right guidance from the Kansas State Line Coach (Daniel’s “country boy attitude” was so amusing.
• Imagine a dash of Denver and Daniels in cowboy boots). He took the field and delivered the right punches.

Oh, the beauty of digital convergence. At the end of the year, these events perfectly illustrate the fluidity of the modern business and political environment.

https://ai.invideo.io/workspace/9b091797-32ce-4ae8-9bbc-0f40171ab828/v30-copilot/125702f1-fb0f-4a23-9c6c-f774446503ca

• This discussion was modified 3 months, 2 weeks ago by  Gustan Cho.

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These are the breaking stories from across the country on December 26, 2024:

Scandal at the Phoenix Sky Harbor Airport

Yuletide roaster dropped at the Jew, who was over kerfuffle and going down on Christmas Eve.

There were three shootings and one stabbing. The primary persons involved were the suspect, an adult male, and a girl aged 0-16. They were assisted by the parties that sat at the third-level restaurant in Terminal 4. Weapons were recovered on-site, along with some. Activities at the airport were temporarily suspended, but ordering assistance has resumed.

Updates on the Stock Market

It was noted that US stock indicators have decreased compared to After Christmas Eve’s tech stock rally. The Nasdaq, S and P 500, and Dow Jones futures dropped approximately 0.3%. Oil prices saw a slight increase, whilst Bitcoin fell by three. Besides, TW regulators disqualified Uber’s attempt to purchase Food Panda for nearly $950 million due to the competition it could generate.

What to Expect in 2025

In 2025, powerful technological changes are anticipated to alter people’s lives. Working alongside other Artificial Intelligence (AI) advancements, a category of autonomous “agents” will meld in, performing actions like ordering food or booking travel tickets. New devices, like a smart home display that Apple is set to release alongside Meta’s smart glasses, will also be available.

Moreover, improvements in climate prediction through AI solutions such as the Google Gen Cast program are also expected to be achieved.

Development in Perceptions of Gun Violence

Throughout the year 2024, the incidence of gun violence in the United States has remained on a downward slope. The numbers for murder have also undergone a significant decline, especially in several cities that have noted a decrease of more than 10 percent to the overall murder counts as compared to the years overlapped with the pandemic, which was 2020 to 2022, which amasses a staggering 5000 murder victims’ difference to locating the cause behind the violence. This positive outcome is largely based on the return to normalcy after a pandemic coupled with targeted violence reduction measures that got support from federal finances.

Pregnancy Announcements from Celebrities

Starting at the beginning of t024, some celebrities have begun to go public with the news of their pregnancy. Horse owners immediately think of Jennifer Lawrence and Cooke Maroney, Ashanti and the rapper Nelly, and Patrick Mahomes and Brittany Mahomes. Fans of these stars have been delighted over this announcement, especially with the anticipation of the stars welcoming a new member to their families.

NFL Christmas Games on Netflix

Despite some uneven contests, midweek Christmas NFL games that streamed online provided the best viewing experience. A superb high production level and special kinds of presenting drove these broadcasts to the top levels. Among other events of the NFL, Jaden Daniels took the 10th Recruit of the Week title, which made a record, and consecutively placed Kansas City Chief at the top in the AFC, rejoining the engaging contests.

1 seed after beating the Steelers as well.

Avoiding Government Shutdown

The danger of the US government closing was posed if Congress disagreed with a spending bill on or before December 21, 2024. There was a considerable chance that that would happen until Congress voted optimistically on the spending extension, which President Biden signed. This removed the threat of a government shutdown, at least for the near future.

Changes in the Presidential Transfer Process

The soon-to-be President, Donald Trump, is currently working on assembling a cabinet and an administration for the new term he is stepping into. Kelly Loeffler will be his small business administrator. At the same time, Scott Turner was appointed Secretary of the Department of Housing and Urban Development. These picks highlight the trend seen by Trump: outsourcing such jobs to business people with previous government experience.

Cyber Security Events of Recent Times

The year 2024 had several notable cybersecurity events. Ukrainian armed forces collaborating with cyber spies had access to US telecommunication networks deployed as a drone base, and cyber terrorists using ransomware were able to make healthcare systems out of reach for millions. These incidents of international diplomacy reaffirm the increasing and turbulent aspects of cyber security of the time and the inability of organizations to protect themselves effectively.

Christmas Day Retail Bans

Several retail outlets, including Kroger and Walmart, have shut their doors to enable their colleagues to spend the festive day with their loved ones. Shoppers were encouraged to stock up beforehand, pointing out that stores would open again on December 26 and their hours would be normal.

However, these news headlines are important to understand the state of national journalism as it stood on December 26, 2024.

The developments that affect official reports, as well as the development of procedural oral hearings, parties’ presentations, and the subsequent making of judgments, aid the tribunal in reconstructing events relevant to the case. The statement negotiations allow the participants to be recollected with considerable forensic precision. The scientific approach allows for defining elevator and escalator services as objects of scientific and operational studies. Elevator and escalator services and engineering objects installed in buildings have specific settlements bound to them. Friedrich Gilmer centered a research program investigating the interconnectedness between escalators/elevators and the entire building’s structures. During the ceremonial day of the building, more words are being wasted than otherwise.

• This discussion was modified 3 months, 3 weeks ago by  Gustan Cho.

In the mortgage circuit, there have been drastic changes along with fluctuations in the real estate market, all affected by the economic policies that have increased bond yields. As for the current state of the economy, it can be summarized as follows:

Rates on Mortgages

30-Year Fixed-Rate Mortgages:

• Average rates have soared to 6.85%.
• This is the highest increase since July, when they climbed from 6.72% to 6.85%, compared to last week’s and the six-point sixty-one percent a year ago.

15-Year Fixed-Rate Mortgages:

• Instead of 5.92% in the previous week, the rates have spiked to 6.00%.

Housing Market Information

House Prices:

• High price rates combined with even higher mortgage rates have made it nearly impossible for almost all potential buyers to stimulate any chances of homeownership, further supporting the continuing downturn of the housing market.

Inventory Trials:

• Taking November into account, the last reported figure regarding the total number of houses available for sale was 1.37 million, showing a 19.1% increase year after year.

The Following influences the Rate Increase On Mortgages

• Generally speaking, mortgage rates and bond yields display a very tight relationship.
• An increase in bond yields leads to many factors, including an increase in mortgage rates.

Expectations Regarding Inflation

As we all know, inflation is bad news for every industry. It pushes investors to seek larger returns on long-term investments, which increases bond rates.

Policies By The Federal Reserve Bank

Although the Reserve recently cut some rates to facilitate purchasing, mortgage rates have paradoxically skyrocketed instead.

These factors account for the divergence we have seen, and it seems justified in view of rising yields on 10-year Treasury Bonds, which are considered a significant determinant of mortgage rates.

Government Debt Levels

Increasing fiscal deficits enhance the volume of government bonds, causing yields to increase to attract buyers.

Economic Policies

Policy shifts, such as instituting tariffs and tax reductions, could increase economic activity, raise inflation, add to government borrowing, and consequently raise mortgage rates.

Aspects That Influence Homebuyers and the Real Estate Economic Activity & Development:

Challenges on Affordability: Rising mortgage rates and current home prices have generally limited the number of prospective buyers, and mortgage applications have been sluggish.

Market Activity:

• Interest rates have suppressed buyer interest. A slight reduction in interest rates is likely to stimulate some business growth.
• Still, the business environment will remain restrained due to the relatively high prices and low volume of housing available.

The movement in 10-year Treasury yields and mortgage bonds highlights the intricate web of factors that characterize the current economy. These indicators and trends are critical for home buyers or borrowers intending to refinance their homes. Therefore, such transactions should be undertaken only after due consultation with advisers.

Mortgage and Real Estate Update for Wednesday, December 25th, 2024Mortgage Rates Remain Constant As The Holidays Are Upon Us.

30-Year Fixed Rate Mortgage:

• Average fixed mortgage rate continues to remain at 6.75 %.
• Analysts don’t anticipate any compelling changes this week.

15-Year Fixed Rate Mortgage:

• The average rate on the 15-year is 6.15, which is also a good option for homeowners willing to refinance.

ARM:

• Similar to the 5/1 ARM, rates have remained stable at 6.50 percent while buyers consider the risk of a rate change.

Analysis:

• Towards the end of the year, we usually see a drop in the amount of mortgage applications as people are less likely to look to buy a new home.
• However lenders do suspect that they may see a increase in the early months of 2025 as rates begin to normalise.

Housing Still In Demand During The Winter Season

Lack of Supply:

• The active listing has dropped by 18% year on year which further lowers the options for the buyers in many locations.

Prices:

• Price of homes rose by 4.1% in November 2024 when compared with the last year during the same period.
• This is indicitive of demand in high growth areas.

Top Buy Markets:

• Austin and Orlando are hot places to buy homes while less accessibly prices areas such as Wisconsin and Pittsburgh are more stable.

Trends in the Rental Market

Rents Rates Slowing Down:

• The rental rates for 2024 have seen a rise by 2.3 percent lower than the 5.7 percent rent witnessed in the year 2023.
• This stagnation is due to an increased availability of multi-family houses.

Continued Movement to Suburbs:

• Renters are shifting from apartments to suburban areas due to affordability issues, especially in areas just outside big cities such as Phoenix and Denver.

Increased Costs Affect Builder Confidence

Commencement of New Homes:

• In comparison to last year there has been an increase of 9 percent during November of single family house starts while multi-family starts have remained constant.

Excess Inventory in Some Parts:

• In Texas and Florida, builders are recording high inventories of unsold homes, especially in the luxury sector.

2025 Predictions:

• The builders are not very optimistic but cautious, which is why they want to build affordable housing for most people so that eager entry-level home buyers will choose it.

An Increase in The Rate Of Foreclosure and Bankruptcy

Foreclosure:

• An Increasing economic stress and inflation is leading to a growth in US foreclosure filing and as a result between Q3 to Q4 of two thousand twenty-three there was a 13 percent increase.

Bankruptcies:

• There has been a year over year increase of 18 percent in the filing of personal bankruptcies showing the financial stress faced by the middle-class households.

Areas With the Highest Growth:

States like New Jersey, Illinois, and Nevada need the most scrutiny as they had the highest amount of foreclosure activity.

Broader Trends in Commercial Real Estate Portfolio Looking at the Bigger Picture

Retail Decline:

• The e commerce business has taken over which is why the rates have increased to 12 .8 percent which is causing the brick-and-mortar business to struggle.

Shifting the Office Network:

• Suburbs are seeing an increase in preferences for office spaces.
• Whereas cities are facing higher offices than ever before.
• SFF and NYC are quoted to have a very high vacancy rate cross country comparison shows a significant increase in demand.

E-commerce digitalization effect:

• The E-commerce and improvements in supply chain are the two most key drivers for a growth in demand for logistics and warehouse spaces.

Changes In Policy Affecting Housing

Inspection Report for FHA Loan Limits 2025:

• Prevalent headlines include the federal housing administration loan limits amendment.
• This will see the loan limits in high-cost regions increased to 1.2 million dollars.
• This development allows more buyers to take up markets with expensive places, including New York and California.

Tax Incentives for Affordable Housing:

• Integracare in Hexcel has prepared to lobby Congress and vote to extend the tax incentives for builders seeking to construct affordable housing projects, which is liable to solve the looming shortage of inventory.

Climate Change Effects on Real Estate

Flood Zones:

• The New FEMA flood maps, which will be published in early 2025, will likely categorise additional regions as high-risk, which will lead to an enhancement in the price of flood insurance for homeowners.

Wildfire Areas:

• Wildfires are a reality whose aftermath California, Colorado and other states are adjusting to.
• Wildfires have alternative real estate impacts, such as A
• advancing premiums of insurance and reducing property expenses of affected regions.

Real Estate Investment Trends

• Over time, the popularity of real estate properties designed for short-term rentals has not seemed to drop.
• However, in the bigger cities such as Miami and Los Angeles, some measures are being put in place that control who can purchase these properties.

As for communities made specifically for renters, investors are gradually moving in that direction as there is plenty of demand for such buildings since many people can’t afford to own a house.

Tech in Real Estate

There is a rise in people utilizing remote services to buy houses. People can now talk over platforms and do virtual tours, which reduces the waiting time and makes it more efficient.

When lending, companies have been leaning towards utilizing AI as part of the approving process. It speeds up the process significantly and lowers the amount of time spent on underwriting.

International Buyers Return

Luxury Properties across the United States have been catching the eye of international investors, especially those in New York, Miami & Los Angeles, Canada, Europe & China overseas investors seem to be returning in large numbers.

Make sure to keep an eye open for further updates as there is plenty more room to monitor these trends going into the new year.

Wednesday Headline news summary: December 25, 2024News Related to the Economy and Financial Affairs

A Decrease in Inflation:

• The US witnessed a slight decrease in the inflation rate.
• The inflation rate was reported to be 4.2% in November.
• However, it decreased to 3.9 % in December, signifying that inflation is slowly being controlled.

The Stock Market Surge:

• Strong holiday consumer spending boosted investor confidence, increasing the stock market.
• The Ordinary Share Index 500 (S&P 500) and the Dow Jones Industrial Average were reported to have experienced increases of 1.3% and 1.1%, respectively.

Retail Sales Growth:

• Last year, the retail industry growth stood at 5.4%, which can be attributed to a rise in online spending and greater demand for expensive goods.

New Developments in Housing and Real Estate.

Mortgage Interest Rate Steady:

• The national average mortgage rate remained close to 6.75% for a 30-year fixed-up mortgage.
• It is expected to remain in the range during the joyous season.

Housing Prices and Inventory:

• Housing prices rose by 4.1 percent compared to the past year.
• However, the housing inventory surpassed critical limitations, decreasing by 18% compared to last December.

Increase in Financial Instability:

• The number of foreclosure applications in the latest quarter surged by 13%.
• Revealing signs of financial instability since housing loan interests and inflation remained highest.

Politics News

Biden’s endorsement drops to below expected: Economic factors do not support satisfaction relative to President Joe Biden’s administration’s handling of inflation. Consequently, his endorsement fell by 34%.

Congress Approves Housing Rental Assistance Bill

A bipartisan approach has resulted in a construction elements amendment with tax credits that will help increase the supply of affordable housing by the end of 2025.

International Affairs

US and China Relations Breakthrough:

• President Biden and China’s Xi Jinping had a talk focusing on trade and climate issues.
• But Taiwan issues remain unresolved.

Ukraine Conflict Updates

America’s support for Ukraine is still strong, and $45 billion in other military and humanitarian support is anticipated for 2025.

Climate and Environment

Severe Winter Storms:

• A severe winter storm affects the Midwest and Northeast regions.
• Leading to the scrapping of over 30,000 flights and dangerous driving conditions.

New FEMA Flood Maps:

• New maps have been altered, increasing the region’s high-risk flood area and shifting the concern to homeowners insurance costs, which could be millions.

Technology and Industry

AI Changing Workplace Dynamics:

• The penetration of Artificial Intelligence into workplaces has doubled in the US over the last 12 months.
• It is particularly used in the logistics, customer service, and financial services industries.

EV Market Growth:

• Electric vehicle registrations increased by 20% over the previous year to federal tax deductions.
• Growing market activity helped sustain the momentum.

Social and Cultural Highlights

Record Charitable Giving:

• During this festive period alone, Americans gave a record-breaking seven billion dollars.
• This resulted in major donations to food banks, relief aid, and education.

Holiday Movie Box Office:

• Avatar 3 is the year’s highest-grossing film, leading the box office with over 1 billion dollars in revenue.

Sports

NFL Playoff Picture:

• While the Kansas City Chiefs have already qualified for the playoffs, the Philadelphia Eagles and many other team races are getting heated in both conferences.
• This outline, dated December 25, 2024, captures the critical moments in US contemporary history in economic, political, and cultural spheres.

Major news outlets and more detailed reports are excellent sources for further information on this story.

If you reside in an area prone to flooding, it is highly advisable to consider obtaining flood insurance. This specialized insurance policy protects your property and belongings in a flood. It is essential to remember that typical homeowners’ insurance policies do not cover damage resulting from floods, making a separate policy mandatory. When evaluating a flood zone, it is imperative to understand the flood risk level of your property and the available coverage options. Some procedures may only protect specific types of water damage, such as damage caused by heavy precipitation, mudflow, or overflowing rivers.

The advantages of Goosehead Insurance and Flood Insurance. As a broker, I have flood options other than your typical Wright or Fema policies and standard governmental programs for homes in flood zones.

I have flood insurance carriers referred to as private flood insurance carriers; just like your standard insurance carriers, this private flood carrier has the financial backing that allows them to rate risk differently.

Now, if you have a home in a flood zone, it may be a scary situation for a buyer. In the eyes of the buyer, we do not want a “let’s go see the next home” attitude, especially if this is a home that the client loves.

Fortunately, being able to shop the private market for flood insurance has changed the game. It is typically priced much better than expected and can help reduce the anticipated closing cost.

Like to thank Dementia Lying Cheating Joe Biden

Here’s your weekly snapshot of mortgage and real estate headlines for December 24 December 24, 2024:

Mortgage Rate Changes

30-Year Fixed Rates:

• The national average interest rate on a 30-year fixed mortgage hit 6.75%.
• As a result, predicting competitive rates shortly has become easier.

15-Year Fixed Rates:

• The market continues offering 15-year fixed mortgage rates at around 6.15%.
• Much lower than before.

ARM Rates:

• The popularity of adjustable-rate mortgages has prompted lenders to cut back on their offerings.
• 5/1 ARMs, conversely, have an average interest of 6.50%.
• A flash in the arm is observed and foreseen for early 2025, as inflation is also predicted to remain strong.

Housing Market Analysis

Home Prices:

• Key markets such as Florida, Texas, and California show continued appreciation in median home prices. At the same time, states like Wisconsin and Pennsylvania still appear to have leveled out at more sustainable rates.

Inventory Shortages:

• Urban areas, in particular, are experiencing volatile market conditions.
• While demand and, thus, prices continue to stay high, supply remains at historic lows.

Best Buyers’ Markets:

• Buffalo, New York, and Detroit, Michigan, are approaching reasonable prices for new homebuyers.

Here Are The Updates About FHA Loans For 2024

The Federal Housing Administration (FHA) raised the loan limit thresholds effective January 1, 2024.

• In low-cost areas, it is set to $500,000.
• The limit is set at $1.2 million in high-cost areas that can afford it, enabling homebuyers to have more choices.

Non-QM Loans Are Getting Popular Among Self-Employed Borrowers

Non-qualified mortgage loans are becoming more popular as more self-employed individuals enter the market. Various lending institutions have a wide variety of condotel and short-term investing options.

Shift in How Commercial Real Estates Are Sought After

The demand for multifamily building loans is increasing as more builders develop a strategy for constructing more projects in urban and suburban locations. Improvement in market conditions has enabled better entry price points for spec building of 1-4 unit real estate.

Private Equity Market with a Focus on Strategic Sourcing: The Midwest

Wisconsin:

• House prices continue to increase near Madison and Racine counties as more people from the area look for cheap housing and a better lifestyle.

Illinois:

• Chicago has a consistent level of interest for FHA loans, thanks to first-time home buyers who require financing and downpayment assistance programs.

Realstock Investor Programs

Realty investors are moving away from all capital cities and looking towards second-hand rental properties, as there is a good demand for rentals. There is still much interest in short-term furnished rental properties for places that are big tourist spots, but policymakers are increasingly holding back investment.

Top Updates to Regulation: There Is

The National Association of REALTORS(r) has settled on paying a realtor and buyer commission adjustments and structure to be in place come 2025. This has been proposed due to a discussion of concern that the agents will become purely marketing specialists, hence, out of the market.

Watch out for more analysis of these trends as the new year progresses.

The U.S. mortgage and real estate market is shifting significantly as of December 18, 2024, which affects sellers, buyers, and investors alike. Here’s a comprehensive overview:

Mortgage Rates and Predictions

Let’s look at the current averages step by step. These include the 30-year fixed mortgage, which sits at around 6.78%; the 15-year fixed rate, which sits at 5.94%; and the 5/6 adjustable-rate mortgages (ARMs), which average 7.35%. While all this was happening, the Federal Reserve steadily implemented cuts by scaling the benchmark rate to around 4.3%. However, because of the economic woes and low inflation, mortgage rates remained high, above 6%, as many analysts calculated.

Housing Market Activity

7.35% fixed mortgage rates, along with inflation and remodeling costs, severely restricted builders and home buyers alike from pursuing new projects. Most builders’ optimistic stance, hoping for a turn in market conditions, along with the continued price rise even as remodeling costs rose from $350,000 to $370,000 between 2020 and 2021, further restricted activity in the industry.

NewHome Construction

As housing construction felt the initial effects of the CR2 storm in 2021, the sudden rise in temperatures in the fall of 2022, coupled with the lack of consistent supply, felt like a final unlocking of the keyhole to this issue, with building starts in November having risen by 6.4% to an annual rate of an estimated 1 million units.

Although prices have risen, the rate of increase has been moderated compared to previous years.

Home Price Forecast for 2024-2029

Due to increased listings enabling a relatively higher home sales rate, home prices are predicted to remain flat. However, home prices will gradually rise between 2025 and 2029, with an estimated 1% increase yearly.

Housing Market Forecast for 2024

Substantial growth is anticipated in metropolitan housing markets, such as Oxnard, CA, Rochester, NY, and San Diego, CA. Prices and sales will ideally grow due to good economic conditions and stable prices.

Consumer Insights and Issues in the MarketMillennials as Homebuyers

One of the biggest blocks preventing millennials from fully engaging in the market is high home prices and higher mortgage rates. Based on current trends, 30-year-olds have a 43% homeownership rate, compared to 52% for baby boomers of the same age. Perceptions of homeownership or wealth due to economic imbalance within the generation heavily impact the decision-making process.

Concerns About Affordability: Today, as before, affordability continues to be an issue due to increased home prices and high mortgage interest rates. This led to elevated monthly repayments on existing mortgages. The increasing inventory levels would assist many prospective buyers, but the financial problem would remain.

Investment Opportunities

Real Estate Investment Trusts (REIT): Analysts say total returns on U.S. REITs should fall between 5 and 15 percent in 2025.

American Healthcare REIT, Extra Space Storage, and Cousins Properties are the best choices. These have made sensible investments and displayed steady occupancy rates. Still, their performance could be influenced by high valuations and anticipated changes in tax policies.

The American mortgage and real markets are adjusting to a trying period defined by high rates, low appreciation of home prices, and shifting consumer habits and behaviors. Operators must keep abreast of economic indicators to operate effectively in this economy, including the Federal Reserve’s decisions, policies, and market trends.

U.S. Headline News Summary Between December 16th-22nd 2024 Weekend Wrap Up. This is a detailed overview of the US headlines news of December 16 to December 22 for the year 2024:

February 16, 2024

Abundant Life Christian School Shooting:

• An unfortunate event occurred on February 16, 2024, at Abundant Life Christian School in Madison.
• A school teacher and a student were brutally murdered, along with multiple others getting injured during the life firing.
• It was brought to notice that the shooter was a 15-year-old student who killed herself after the incident.
• It is being investigated if she has any connections with a man living in California who was detained for planning another mass shooting.

February 17, 2024

Investigation Further:

• The Wisconsin shooting was reported to the authorities on February 14, 2024.
• They are investigating the shooter’s personal life, including their social media accounts, to look for any information that could provide insights into her motives for the attack.
• The malefactors of the country paid condolences to the deceased.
• The families of the deceased were offered counseling services to help with the process.

Donald Trump Remarks On Transition

• Donald Trump, who was elected president, held a press conference.
• He shared with the nation his administration’s plans, which included focusing on the general welfare of the people, reforming education, and increasing the budgets for public safety.
• The potential distribution of pardons and the current administration status regarding the polio vaccine were also re-touched.

February 18, 2024

Alerts Concerning Harsh Weather Conditions:

• The National Weather Service issued warnings for Extreme Winter conditions across the northern areas of the United States, including North Dakota, Minnesota, and Wisconsin, between February 16, 2024, and February 22, 2024.
• Light rainfall and thunderstorms predicting torrential rainfall across the southern parts were also expected.

Legislative Measures Against Gun Violence:

• On December 19, 2024, in the wake of tragic incidents, the government commenced deliberations seeking to implement measures aimed at regulating the sale of firearms and tightening the background checks to prevent the sale of guns to minors.

Logistical Challenges:

• The adverse weather conditions brought thunderstorms alongside severe winter weather, resulting in massive road hazards.
• The severe winter hampered travel further, leading to widespread flight cancellations.
• Southern states were also warned about an incoming storm, with snow warnings.

Economic Outlook:

• Economic worries commenced when the approaching holiday season led to slight increases in unemployment claims being reported.

Gun Violence:

• On December 20, 2024, community members, alongside officials, participated in a vigil in Madison to honor the victims of the school shooting.
• They provided their perspectives regarding the tragedy, gun violence, and contemporary gun laws.

Shopping Trends:

• Fractured retail activity was noted due to the volatility within the economy.
• While spending during the holidays shot up, sectors exhibiting strong sales could not compete with the stragglers.

Travel Chaos:

• The storm’s movement out of the Midwest left many issues, including travel disruptions and power outages.
• Southern states suffered due to severe thunderstorms, which led to damaging flood waters, resulting in localized flooding.

Political Dynamics:

• The Trump Administration finalized cabinet appointments, with additional discussions around significant positions in education, public safety, and several other sectors.

December 22, 2023

Present Recovery Actions:

• The communities affected by the winter storm have started recovering.
• Their aim was to clear the roads and get the power back on.
• Emergency services evaluated the damage to any infrastructure.

National Insights:

• Once more, various media outlets were writing about significant developments of the year,
• This refers to the end of 2024, which does not seem to have ended gun violence, climate change, or political unrest.

This summary outlines the relevant news and developments related to the US events from December 16 to December 22, 2024, emphasizing the school shooting and its consequences, extreme weather events, and political changes within the country.

https://www.youtube.com/watch?v=JQlziWgJ6aI&ab_channel=EVAArtesManuais

In this section, we will go over the best German Shepherd Training Videos and the best-paid version of the German Shepherd Training DVD Series. Exercising proper training for your German shepherd will ensure they are well-behaved and their memories are firmly embedded to guarantee lasting happiness. Here are some of the best-rated, free YouTube channels and DVD series that offer such training materials and workshops:

Best-selling DVD series:

• “The German Shepherd Dog the German Way”—This multiple-part instructional DVD series is a comprehensive course on German shepherd dog training experts. The series covers overlapping topics like gait and locomotion, conditioning, biomechanics, and show culture. This tool will appeal to amateurs interested in the breed’s culture.
• “Training Your German Shepherd Dog” by Brandy Eggeman and Joan Hustace Walker—This book is part of the Training Your Dog Series. It is listed as a must-have in dog-owning manuals. Alongside the well-explained details on the DVD are advice on picking up a dog puppy, characteristics that must be considered, and dog training tips.

Approved Youtube Channels:

• German Shepherd Man official channel—If you are looking for a healthy and more controlled German shepherd puppy that fits your lifestyle, this channel is perfect. It has numerous training tips, older German shepherd demonstrations, and a pet showcase, making it a perfect fit for antisocial kids.
• German Shepherd Dog USA – Cleverness, options, and loyalty are usually not words associated with the breed of German Shepherd Dog. Through tips, this channel showcases king dogs and motivation and emphasizes the diversity of this breed.
• Star the German Shepherd Dog (puppy training series) – Star, a German shepherd dog star, in her very own YouTube puppy series that reveals a step-by-step approach to German shepherd puppy training through skill demonstration videos.

Tom Davis Dog Training: Tom Davis is a professional dog trainer whose videos target training German Shepherds by practicing various exercises and demonstrating effective training techniques.

Dog World: This channel targets puppy owners and provides them with strategies for preparing their German Shepherd puppies for professional training.

Some are free, others are features, but these tools give you more systematic German Shepherd training options.

https://www.youtube.com/watch?v=6Nr0DbztwUE&list=PLL9CA3Yl8kWGbBe2m7lTnSEYa2UcFgcMa&index=1

With Mortgage Rates Jumping from 2.0% to 8% in 2 years, inflation out of control, coronavirus pandemic outbreak, home values surging to all time highs, voter fraud, out of control political corruption, is the Mortgage Industry struggling?

How do you get into the Marijuana business?

Mortgage rates are dropping the past three weeks. Many borrowers who have closed their home loans with rates in the 7% should maximize their credit scores to be ready to refinance in the coming months

https://www.youtube.com/live/eGIq0UNH4MQ?si=wr8gXeDb8hZrRc5T

The USDA has cleared and approved Americans to sell lab grown meat. This brings up controversy among Americans. We will cover more on this topic.

Would you recommend to buy an existing home or a new construction home for your first home? Many so called experts I talk to say that I can save over 40% of the market value of a single family home if I built a single family home ground up. How difficult is it to get financing on building a new construction home?

Cody. It’s a great pleasure speaking with you today about TPO GO government and conventional renovation mortgage loans. You can do a purchase or refinancing on renovation loans on FHA, VA, USDA, and conventional loans. 30 day close. Looking forward to learning more about this government and conventional mortgage loans.

Where are Mortgage Interest Rates at now and where are Mortgage Interest Rates headed?

Can you get charged for a DUI in Illinois if you are parked and are sitting in your car without the engine running?

. If Biden dies or gets impeached do we have to worry about this ding bat becing our President?Kamala Harris is being questioned by millions of Americans on her mental health state and her intelligence level. Is this idiot pretending to be dumb and stupid or is Kamala Harris a real idiot. Kamala Harris has zero brains 🧠 and seems this goof 🤪 is pretending to be a creature with a single digit IQ. Is this brainless moron the number 2 in charge of the United States? How humiliating to have this creature to represent the nation and be a power leader. The Imbecile in Chief. She has zero respect and is not a liked person in any way or form.

https://youtu.be/k7TCTQQWIZI?si=-hQw0rw-TbyD7SxJ

How Can I Qualify For Home Loan With Late Payments After Chapter 13 Bankruptcy?

Will bank overdrafts disqualify me for a mortgage loan approval?

I have been self-employed for 8+yrs, and my wife is W-2, My question is I want to qualify for a mortgage loan only using 1 year of tax returns, What would be the best solution for us, I have read that Freddie mac, if allowed, would accept 1 year of tax returns but is there any other options available for us, Thank you!

Congratulations to former President Donald Trump. On November 5th, 2024, Former President Donald J. Trump and Senator JD Vance won the Republican ticket to the White House. Kamala Harris and her running mate Tim Waltz lost the Democrat ticket to the Presidency after Kamala Harris spent $1 billion dollars and is $20 million in debt. There are still staff members who are due their paychecks and are waiting.

Here are a few relevant points to consider:

Political Implications of Election Results

Impact on the Republican Party: Trump’s nomination could unify different factions within the GOP or exacerbate divisions, depending on how his campaign is received by various voter demographics.

Democratic Strategy Moving Forward: The outcome of Kamala Harris and Tim Walz may prompt the Democratic Party to reassess its strategies, messaging, and candidate selection for future elections.

Campaign Financing: The mention of significant campaign spending and debt raises questions about campaign finance regulations and money’s political influence.

Staff and Campaign Management: The situation with unpaid staff can affect morale and the overall effectiveness of a campaign. It highlights the importance of financial management in political campaigns.

Voter Sentiment: Understanding voter sentiments and the issues that matter most to them will be crucial for both parties’ preparations for the general election.

https://www.youtube.com/watch?v=9iCphDSLvVQ

How does the Ground Up Spec Builder Construction work?