[Lisa Jones]

Barack Obama has not endorsed Kamala Harris for the 2024 presidential election. However much he loves Joe Biden, he does not back Harris either, according to an insider familiar with his thinking who spoke anonymously. Reports have suggested that Obama worries she could lose to a strong Republican like Donald Trump. He wants Democrats to have an open primary — so they can pick the best candidate without anyone’s help, even his. Barack Obama has told people in private that he would never publicly endorse Kamala Harris because of her reputation for sleeping her way into powerful positions and destroying anyone who gets in her way​. There are whispers that it was Joe Biden she slept with for Vice President, but now that he has dementia, there’s no getting anything out of him.

This approach is consistent with Obama’sObama’s past habit of waiting until there is a clear frontrunner before giving his support – as he did in 2016 when Hillary Clinton ran against Bernie Sanders during their primary campaign season together within the Democratic Party for POTUS​. It is also seen as reflective of his desire for thoroughness and competitiveness among candidates seeking nomination by Democratic Party leaders ahead of the November General Election Day ballot casting process ​​on which candidate should run under the party affiliation banner towards the White House Oval Office. Everyone knows these rules all too well.

https://www.youtube.com/watch?v=u6Tvb56BCCA&ab_channel=TheYoungTurks

[Lisa Jones]

What is this I hear about Kamala Harris getting her start in politics due to Former San Francisco Mayor Willie Brown. Can anyone please explain the fact that Kamala Harris had a romantic relationship with Mayor Willie Brown, who was married at the time and Kamala Harris knew the fact that Willie Brown was married. How did Willie Brown help Kamala Harris rise up the ranks of the political chain of getting Harris a job as a deputy district attorney to getting elected to District Attorney in San Francisco, to getting elected to Attorney General of California, and again getting elected to the U.S. Senate to eventually becoming Vice President of the United States. Is Kamala Harris still sleeping with Willie Brown? Is getting involved in romantic relationships the way Kamala Harris gets promoted in politics? This is very concerning. Watch this video clip from Megyn Kelly on the Megyn Kelly Show.

https://www.youtube.com/watch?v=vfR7Lzs_ja8&ab_channel=MegynKelly

[Lisa Jones]

Digital marketing involves different methods; however, their effectiveness and profitability can change from one country to another depending on the target audience and business goals. Yet there are some approaches which have proved globally effective in digital marketing:

Search Engine Optimization (SEO)

• This is important for improving organic visibility in search results.
• It helps bring high-intent traffic.
• Long-term cost-effective.

Pay-Per-Click Advertising (PPC)

• It enables advertising through social media platforms and search engines.
• Provides immediate visibility with measurable results.
• Can work for both B2B and B2C businesses.
• Content Marketing.
• It helps build brand authority and trust.

Supports SEO efforts

Engages audiences at different stages of the buyer’s journey.

Social Media Marketing

• Facilitates direct engagement with audiences.
• Offers options for targeted advertising.
• Most effective when it comes to brand building and community engagement.
• Email Marketing.
• High ROI if done right.
• Allows personalized communication.

Good for lead nurturing and customer retention.

Influencer Marketing

Uses influencers’ trust and credibility

• Works best in certain industries (e.g., fashion, beauty, lifestyle).
• May offer access to niche audiences.

Video Marketing

• Increasingly becoming important across platforms.
• Has great audience engagement capabilities.
• Various marketing objectives can be achieved through its versatile format.

Mobile Marketing

• This is essential due to the widespread use of smartphones.
• This includes app marketing, SMS marketing, mobile-optimized content, and more.

Affiliate Marketing

Cost-effective performance-based marketing

Expand reach through partner networks.

Marketing Automation

Improves efficiency as well as personalization

Better lead nurturing plus customer journey mapping enabled by it.

Key points to note include:

Local preferences: Different countries may prefer certain platforms or marketing styles.

Regulatory environment: Be aware of local laws regarding data privacy, advertising, and consumer protection.

Internet infrastructure: Consider internet speed and accessibility in the target country.

Cultural nuances: Adapt content and strategies to local cultural contexts.

Language: Ensure marketing materials are properly translated and localized.

Competition: Analyze what strategies competitors are using successfully in the target market.

Budget: Some strategies (like SEO) require more time investment, while others (like PPC) need ongoing financial investment.

Business goals: Align digital marketing strategies with specific business objectives.

Target audience: Choose platforms and strategies based on where the target audience spends their time online.

Measurability: Implement analytics to track the performance and ROI of different strategies.

To find out which ones will work best in a given country for maximum profit;

Carry out market research to identify local digital trends and consumer behavior.

Start with a combination of methods, then monitor their performance

Constantly review outcomes, adjusting plans accordingly based on results obtained

Keep yourself updated with any new digital marketing developments within your chosen country.

[Lisa Jones]

Virginia Housing Market Prediction

Outline and Predictions

Virginia’s housing market is anticipated to witness a slight increase in home prices and sales in 2024. This year marked a decrease in sales; however, they are projected to grow by 11.4% next year, which means the market may stabilize again. Meanwhile, price growth is expected to slow down (1.2%), indicating a slower pace than before​​.

Housing Prices and Cost of Living

Average Home Prices: The median listing price for houses in VA was about $385,780 as of 2024, an increment of around 5.8% year over year​​.

Cost of Living: Virginia’s cost of living is generally relatively moderate compared with other states across America, where housing remains one major expense among many others.

Comparison with Other States

Comparatively affordable states: Compared to expensive states like California, which has an average house price much higher than that found here, VA still remains quite cheap. Even though its prices have risen, they have not rocketed like those seen elsewhere in the United States, thus making this state more accessible for buyers.

Market Dynamics

Inventory and Sales: The current situation is characterized by growing supply levels. At the same time, the demand rate decelerates, leading to stabilization or lower inflation rates on residential properties within different regions served by real estate industry players who may engage themselves in buying houses at any given moment depending on their preferences concerning such transactions during the year before last month ended yesterday having passed away this afternoon.

Interest Rates: Mortgage rates are projected to remain volatile but decline towards around 6.15% by the end of next year​​.

Investment Potential

Good Investment: Buying real estate in Virginia is considered a good investment due to stable housing markets and steady rises in home prices. Moreover, the state boasts a diverse economy with a growing job market, making it attractive for investment in this sector​.

Relocation: Moving from high-tax states to low-tax ones like VA, where living costs are relatively cheaper while homes are more affordable, can be very lucrative for individuals and families who want to save money on taxes and take advantage of lower-priced properties.

Raising a Family in Virginia

Family-Friendly Environment: One thing that differentiates other places from Virginia is its family-friendly environment. Luxury Northern Virginia Houses cites some areas, such as Fairfax County, Arlington, and Loudoun County, known for having great schools that provide quality education, thus making them suitable for bringing up children safely. It also points out safe neighborhoods within these communities, creating conducive living conditions for nurturing healthy kids with bright futures​.

Education: Northern Virginia Homes adds that some of Virginia’s top school districts include those in the Fairfax, Arlington, and Loudoun regions because they have rigorous academic standards and comprehensive educational programs that offer students an all-around education​​.

Real Estate Investment

According to the Virginia REALTORS® association, investing in property within VA can be considered a wise move since it has a stable economy coupled with an increasing population; hence, it will require more houses for accommodation purposes alone. In addition, residential and commercial investments made around Richmond city center, northern parts, downtown areas, or even suburbs could yield high returns on capital employed over time depending upon prevailing market conditions, especially demand-supply dynamics.

[Lisa Jones]

What is the median and average wage of a full-time worker in California and what are average and median price of homes? What is the average price of rents in the various cities and counties of California? How can people in California afford the cost of living, cost of housing, and savings? How can people afford to support a family of five in California?

[Lisa Jones]

What to Remember When Taking Out an Investment Property Loan.

Investment property loans are tailored for those who want to buy and use residential properties as investments. Here are a few things you should consider:

Requirements for the loan

Higher down payments: Investment property loans require higher percentages for down payments compared to primary residence loans. You will need at least 20-25%.

Credit score: A credit score higher than the average may be needed when applying for this type of loan. Lenders normally look for a minimum of 620 but prefer 700 or above.

Debt-to-income ratio (DTI): Mortgage companies like borrowers with lower DTIs because they have fewer existing debts and can take on more loan obligations.

Interest rates

Higher rates: The interest rates tend to be higher for investment property loans than for primary residences because lending money used in this way involves more risk.

Types of rates: Investors can choose between two mortgage rates: adjustable rate (ARM) and fixed rate. With a fixed rate, the rate remains constant over time, while with an ARM, it starts low and then increases over time.

Loan terms

Shorter term lengths: Investment home financing programs offer shorter repayment periods, such as 15 or 20 years, which result in larger monthly installments but lower overall interest paid.

Prepayment penalty fee: Some types of loans charge a fee if the borrower pays off their debt earlier than expected, so read through all documents before signing anything!

Types of loans available

Conventional Loans: These types of mortgages aren’t backed by any government agency and usually have strict requirements.

FHA Loans: The Federal Housing Administration (FHA) insures these loans, which makes them attractive to some investors. However, they’re only used if someone wants to live in one unit while renting out others within a multi-family property.

VA Loans: The Department of Veterans Affairs (VA) provides these loans to current and former military personnel. Still, they’re only commonly used for investment properties if someone wants to live in one unit while renting out others within a multi-family property.

Commercial Loans: Commercial lenders offer this type of loan if you want to buy more than four units per transaction, such as apartment buildings or commercial complexes.

1. Potential income

Rental income: Compare the potential rental income against your monthly mortgage payment, taxes, insurance, and maintenance expenses. If it doesn’t cover the costs, it’s not a good investment!

Vacancy rate: Always account for the possibility of having no tenants for certain periods; ensure you have enough money to cater for all expenses during this time frame.

Property management

DIY management vs. hiring a company: Determine whether you want to do everything yourself or hire professionals to handle some aspects, like rent collection and repairs. Be prepared to pay them monthly fees.

Maintainance costs: Buildings should undergo regular repair work to maintain their value and keep tenants happy, which means landlords should always budget for unplanned fixes, too!

Tax implications

Tax write-offs: Investment properties offer many tax advantages, including the ability to deduct mortgage interest payments made each year and depreciation allowances based on wear and tear over time,

Capital gains tax: If an investor sells their real estate, they may be subject to capital gain taxes if any profits are realized during the sale.

Market conditions

Location matters most: Where you choose to buy an investment property is critical because it affects factors like demand levels from renters, who eventually determine how much rent can be charged, appreciation rates over long-term investments, and other things. Thus, conduct thorough market research before committing funds to any project.

Economic indicators count, too: Always consider broader economic factors capable of affecting occupancy levels or even demand for rental spaces, e.g., job availability, population growth rates, and current interest rates.

Risk management

Insurance cover: Take out adequate insurance policies, which should include property coverage against theft and fire, among other p, perils, as well as liability insurance for any lawsuits that may arise in your protection plan depending on the stringers governing a renters’ protection plan may also be needed such matters.

Diversify investments: Putting only some eggs in a single basket is wise. Having different properties within varied locations helps spread the risks when dealing with real estate investments.

Residential investments can make much money, but careful planning is needed. If you want to succeed in investing in rental properties, you need to know what investment property loans are all about and be able to recognize a good deal when you see one. Talking to a financial advisor or mortgage broker who can help align investment strategies with individual financial goals and situations is always helpful.

[Lisa Jones]

In French, the term Pinot Noir means pine cone and black. This is because of the small size and dark coloration of the grapes. It was always grown in Burgundy, France, but now it grows worldwide. The climate must be cool because this type of grapevine can only grow in such areas. Besides, they are not resistant to many diseases. For that reason, some people find them to be very difficult to cultivate despite their attractiveness never going down at all due to these reasons. In addition, its fame does stay strong even though some individuals consider it hard to handle for these reasons, sometimes making it one of the most expensive wines globally. Still, occasionally, its price needs to be lowered.

Pinot Noir Traits Delicate-Skinned: The thin skin makes Pinot Noir grapes delicate. And Now With Clusters: These wines come from tightly packed clusters. Features: The flavor profile often includes hints of cherries, raspberries, and earthy undertones. Less Heavy-bodied: They have a lighter body than other reds, such as Cabernet Sauvignon or Merlot, which generally lean towards heavier styles.

Where is Pinot Noir Grown Best Burgundy (France): Some excellent examples of this wine are produced in the Burgundian region. California (USA): Because California’s cooler regions like Sonoma County or Santa Barbara County stand close to Pacific Ocean hence bringing fogs during summer months that follow long days so that temperatures remain moderate; higher altitudes like Mendocino Highlands also mean there are cooler sites available; Oregon (USA): Willamette Valley demonstrates similar climatic characteristics seen across parts of northern Burgundy and consequently has earned a reputation for being especially adept at producing quality PNW; New Zealand: Marlborough region benefits from cool maritime climate influenced by Southern Alps located inland across Cook Strait separating South Island where most NZ vineyards are situated including famous regions like Central Otago known for being world’s southernmost commercially grown wine region producing outstanding expressions of this grape variety; Australia: Mornington Peninsula in Victoria State experiences a cool climate due to its proximity to Bass Strait which acts as a natural barrier against warmer air masses coming from the north thus creating suitable conditions for growing Pinot Noir grapes.

Food Pairings for Pinot Noir Brut Champagne. Especially Blanc de Noirs, which consists exclusively of black grape varieties like Pinot Meunier and/or Pinot Noir; these wines can be completely dry or have varying degrees of sweetness as determined by dosage during disgorgement making them suitable companions to many foods such as smoked salmon or oysters: other dishes include roast turkey with cranberry sauce and buttery mashed potatoes followed by dark chocolate mousse with raspberries on top; Wild Mushrooms: the earthy flavors found in each of these ingredients makes a perfect combination together whether sautéed then tossed in pasta dressed with truffle oil and grated parmesan cheese or baked inside puff pastry cases containing creamy garlic sauce garnished with chopped chives on top; Duck: the gamey richness of duck meat is always perfectly matched against the often present fruity notes typical of pinots, just sear breasts rare before serving them over braised red cabbage drizzled pan juices caramelized apples scattered potato gratin dauphinois finished off steamed green beans wrapped pancetta strips cooked in olive oil until crisp.

What do you mean by Pinot Noir? Pinot noir is commonly grown as a black grape variety in cold climates. Pinot noir is characterized by its light red color and flavor profile, which includes cherries, raspberries, and mushrooms. The name pinot derives from the shape of its grape clusters that resemble pine cones. Wine connoisseurs cherish it because it is versatile enough for various meals.

[Lisa Jones]

I would happily provide extensive clarification on FHA One-Time Close (OTC) New Construction Loans.

What is an FHA OTC New Construction Loan?

An FHA One-Time-Close Construction Loan, also known as a Construction-to-Permanent loan, is a mortgage that combines a construction loan with a traditional FHA mortgage. It permits borrowers to fund a new home’s construction and permanent mortgage with one single loan closing.

How FHA OTC New Construction Loans works:

• The loan covers both the construction phase and the long-term mortgage.
• You close on the loan once before construction begins.
• During construction, you typically make interest-only payments.
• Once construction is complete, the loan automatically converts to a permanent FHA mortgage.

Eligibility Requirements:

Credit Score: Minimum 620 (some lenders may require higher)

Down Payment: Minimum 3.5% of the total loan amount.

Debt-to-Income Ratio:

• Generally up to 46.9% front-end and 56.9% back-end.
• Manual underwriting can go up to 40% front-end and 50% back-end with two compensating factors.
• Must be owner-occupied primary residence.
• Property must meet FHA standards and local building codes.
• Must use an FHA-approved licensed general contractor.

Qualification Process:

• Meet minimum credit score and down payment requirements.
• Demonstrate stable income and employment.
• Have a debt-to-income ratio within acceptable limits.

Choose an FHA-approved lender that offers these loans

Select a licensed general contractor. Provide detailed construction plans and specifications.

Mortgage Process Steps:

Pre-qualification: Initial assessment of your eligibility. Choose a contractor and finalize building plans.

Loan application: Submit a formal application with the required documents.

Property appraisal: Based on plans and specifications. Underwriting: The lender reviews all aspects of the application.

Loan approval: If approved, you’ll receive a commitment letter.

Closing: Sign loan documents and pay closing costs. The construction phase Begins after closing, with periodic inspections and draws. The final inspection occurs once construction is complete.

Conversion: Loan converts to permanent mortgage.

Key Features:

Single closing: This saves time and may reduce closing costs.

Lock-in interest rate: The rate is set at closing, protecting from rate increases during construction. Interest—only payments during construction. Flexible draw schedule based on construction progress. No requalification is needed when transitioning to a permanent loan. They may have higher interest rates than standard FHA loans. They Require more documentation due to the construction aspect. Construction must typically be completed within 12 months. There is less flexibility to make changes once construction begins. Remember, while these are general guidelines, specific requirements can vary by lender. It’s advisable to shop around and compare offers from multiple FHA-approved lenders that offer these specialized loans.

[Lisa Jones]

I am a residential loan officer and like to expand my loan origination business to business and commercial loans. If you can be kind enough to elaborate on the above types of business and commercial financing programs and discuss how businesses typically choose between different financing options?