What are the types of monkeys to have for pets. Monkeys that are loyal, easy to train, affectionate, easy to housebreak, as little as possible, and a monkey who you can be your best friend. A pet monkey that can and will get along with people, especially little children. I saw many pet monkeys who are like human on youtube videos raised in Vietnam. I like to get a pet monkey for the United States.

Referring to Illinois as “the most sinister state in the nation” is rather dramatic and subjective. Governors in trouble: Out of the last ten governors, four have served time in federal prison for bribery, racketeering, and other crimes. For example, Rod Blagojevich was convicted for attempting to sell Obama’s senate seat. George Ryan was convicted of bribery and racketeering. Chicago is often called the most politically volatile city in the US, as it is extremely prone to corruption and patronage. In addition to these, corruption on state and local levels constantly makes headlines. It is clear why some people find Illinois particularly shady.

There’s a multitude of reasons why Illinois struggles to contain its reputation.

Here’s a comprehensive breakdown of potential reasons:

Illinois has been known for its scandalous political achievements.

From the busted government overspending budgets to corruption on the local city council level, the government in Illinois makes a lot of noise, and the civic world is captivated by the thrill of it all, mixing the components of democracy with the raw energy of a carnival.

It suffices to say that, like many other states, Illinois is known for its “high property tax rates” and “burdening homeowners.” Putting it in the same circle as “always criticized” states like New Jersey and Connecticut.

Pension Crisis:

• Illinois has exceptionally alarming unfunded public pension liabilities that exceed $139 billion.
• This makes Illinois one of the states with the highest public pension debt, negatively impacting its fiscal condition.

Budget Issues:

• In Illinois, budget deficits have historically been common, severely limiting available funding for essential public goods and services.

Crime Rates in Major Cities

Chicago’s Crime Reputation:

• Why is every violent crime reported on the news?
• Chicago is a key contributor to the gun violence problem, in which the city grabs headlines with its high number of shootings and homicides.
• While there is a lot of debate surrounding the crime rate of disorderly conduct, the city is known for sitting at the epicenter of crime and violence.

Organized Crime Legacy:

• Al Capone’s historical reign of organized crime during Prohibition funded Chicago’s notorious legacy with organized crime and painted a picture of contemporary Chicago.

Population Decline and Exodus

People are migrating from Illinois due to high taxes, crime, and lack of employment opportunities, leading to a glaringly obvious population exodus and decline.

Mass Exodus:

• Illinois has consistently been on the list of states bordering net population loss after people started pouring into Florida, Texas, and Indiana.

Infrastructure and Urban Challenges

• Illinois’s old rural regions and cities are struggling due to inadequate and underdeveloped infrastructure.

Urban Decay

Some neighborhoods in Chicago and other metropolitan areas have problems with poverty, school dropout rates, underfunded schools, and economic opportunities.

Reputation in Media and Pop Culture

What people think about the state of Illinois, based on media and other platforms, is:

• The existing narratives have an overarching theme of crime and corruption, which has further entrenched negative perceptions.
• The American media often depicts Chicago as a center of crime, exaggerating the city’s issues.

It is easy to point out Illinois’s many problems, but ignoring its strengths and nuances is to brand it the ‘most sinister state.’ The state also has its share of cultural history and economic activities and an ethnically diverse population pursuing art, education, and innovation. Over time, many of these issues can be dealt with through reform measures and greater public awareness.

There seems to be some misunderstanding about Illinois House Bill 5522 (HB 5522) and its effect on gun ownership. HB 5522, which Representative Maura Hirschauer filed in the 103rd General Assembly, intended to restrict the sale, transfer, or possession of certain firearms and magazines, which are commonly referred to as ‘assault weapons.’ Like many other bills, HB 5522 did provide some allowances for law enforcement, the army, and civilians who possessed such weapons lawfully before the bill’s enactment. Those eligible were required to register with state police and pay a fee of 25 dollars.

It’s crucial to remember that the bill did not seek to take firearms from existing lawful owners. Instead, it provided registered owners with means to hold ownership. The bill did not progress to becoming law in the 103rd General Assembly.

By contrast, Illinois has already implemented “Karina’s Bill” (House Bill 4144), removing firearms from individuals subjected to an emergency order of protection regarding domestic violence accusations. This law was made to protect survivors of domestic violence further by ensuring that firearms are taken out of potentially risky situations.

In conclusion, while Illinois has proposals and laws on the minimum restriction of controlled firearm possession that, in some instances, enables ownership, there is no law that actively screens ownership for all citizens without reasonable motives being provided. The state’s legislative disposition has sought to deal with issues of public safety in the context of domestic violence and the use of firearms.

https://www.youtube.com/watch?v=CXLIKiZGRRE

There’s a video series about several pet monkeys. Little pet monkeys are extremely intelligent and cute. They are no different than having a little kid that normally behaves. Each pet monkey has its personality. Anyone raise a pet monkey? Watch this short video. The owner of Lilly lives in Vietnam. This video will make your day. 😍

https://youtu.be/HhVmi-if1yU?si=RY380dlthSfvqHsY

Do you get your property taxes waived if you install solar panels on your house in Wisconsin? Lisa Marie Jones and Tom Miller

This video is about a young man who relocated to Florida from Wisconsin and got stopped by a Florida law enforcement officer for a traffic infraction. The cop sees evidence of impairment and asks the driver if he wants to perform field sobriety test to see if he can pass it so he can go on his way. With that said, the driver volunteers to take the field sobriety tests to end up bombing it and giving all the cops a laugh. Must see. It must be tough to be stupid and make a total jack as of yourself.

https://www.facebook.com/share/v/95RbpdMSFeonYeej/?mibextid=D5vuiz

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Officers Amazingly Keep Straight Faces During this Arrest | Officers Amazingly Keep Straight Faces During this Arrest | By Diócesis de La PazFacebook

Officers Amazingly Keep Straight Faces During this Arrest

Many mortgage loan originators belong to a team or group where they can veer off on their own with their own mortgage brokerage or a mortgage net branch of a larger national mortgage brokerage or mortgage lender. The mortgage net branch can operate as a DBA (Doing Business As), the mortgage group’s brand name. The business is run on a P&L model, and the branch manager is in charge of all the outgoing expenses. The goal is to have a positive P and L to generate profit. Can someone experienced with how to start a mortgage net branch please go over the list of expenses? Even a small office can run a mortgage branch in the red if not managed correctly.

If someone is a foreign national, let’s say Serbia, and wants to visit the United States, what are the procedures of getting a visitors VISA to the United States. How long does it take and what is the process?

As far as the most recent update from December 16, 2024, is concerned, the mortgage and real estate sector is as follows:

Mortgage Rates

Current Statistics: The national average for a fixed-rate mortgage for a period of 30 years has decreased to approximately 6.6%, a reduction from 6.69% recorded a week before.

State Variations: Interest rates differ by state. Some states offer up to 6.68%, while others charge a high 7.09%.

Refinancing Rates

For the past 30 years, refinance mortgages have seen highs of 6.98%, which is eleven basis points greater than before.

Housing Market Trends

Home Sales: Compared to last year, house sales have increased by 22% over a month.

Home Prices: According to NAR, house prices will increase by 2%, and the median rise is estimated to be $410,700 thousand by 2025.

Inventory Levels

With stock inventory expectations low, more than $1.45 million housing unit sales are predicted for 2025 after the pandemic.

Expert InsightsMarket Predictions

Real estate expert Barbara Corcoran claims that if mortgage rates drop near 5%, the housing market will jump and go “ballistic.”

First-Time Buyers: First-time homebuyers account for less than a quarter of the entire market, an all-time low. There is a dire “urgency” for new buyers.

Home Renovations

Spending Trends: Due to the current state of home prices and mortgage rates, homeowners are more likely to spend more on renovations than moving.

Global Perspectives

UK Market: The UK house markets have seen exports slump for two months, resulting in average declines of £6395 in the December market.

China’s Market

During the last 17 months, house prices have depreciated slower than usual in China, which could indicate that the region’s property or real estate market is on its way to recovering and stabilizing.

Home buyers and real estate markets have been riling with activity, resulting in declining mortgage rates and stimulating purchasing and spending on home upgrades. Most experts in the field suggest that further step-downs in mortgage rates lead to much higher activity within the market, especially with those buying homes for the first time.

https://www.youtube.com/watch?v=GeSO9zBYeyc

• This discussion was modified 2 months, 1 week ago by  Gustan Cho.

As of December 17, 2024, the mortgage and real estate markets are experiencing notable developments across various regions. Here’s a comprehensive overview:

Mortgage Rates and Trends

• Current Averages: The national average for a 30-year fixed-rate mortgage is approximately 6.78%, rising over the past five days.
• This upward trend followed when rates reached their lowest levels since October.
• State Variations: Refinance rates vary by state, with New York, California, and Arkansas offering some of the lowest rates between 6.70% and 6.90%. In contrast, states like Kentucky, Hawaii, and Illinois have higher rates, ranging from 7.02% to 7.09%.
• Expert Predictions: Economists forecast that mortgage rates will remain above 6% into 2025, with some estimates reaching 6.8%. Factors influencing these projections include potential inflation and national debt concerns.

Real Estate Market Highlights

• Luxury Rentals: Miami Heat star Jimmy Butler rents an 8,500-square-foot mansion on Miami Beach’s exclusive Hibiscus Island for over $70,000 monthly. This property features luxurious amenities, including ocean and skyline views, a private dock, and extensive recreational facilities.
• Australian Market Dynamics: In Australia, housing has become the foremost concern in 2024, with costs escalating significantly. Mortgage holders face increased interest rates, leading to financial strain for many. The average monthly mortgage repayment has nearly doubled from $2,291 in 2022 to $4,428 in 2024.
• UK Housing Outlook: The UK propertSignificant25, such as stamp duty threshold alterations effective April 1, potential mortgage rate reductions later in the year. These factors are expected to influence the UK property market, behavior, and market activity.

Market Predictions and Buyer Behavior

• Potential Market Surge: Real estate expert Barbara Corcoran predicts that if mortgage rates drop to around 5%, it could cause a significant increase in homebuying activity, making the housing market “go ballistic.” Mortgage rates have fallen to 6.6% but fluctuate between 6% and 7%.
• Millennial Hesitancy: Millennials born between 1981 and 1996 exhibit caution when entering the housing market. Past economic crises and volatile home prices have led this generation to view homeownership as a speculative asset, contributing to a lower homeownership rate than previous generations.

The mortgage and real estate landscapes are characterized by fluctuating rates, regional disparities, and shifting buyer sentiments. Stakeholders should closely monitor these trends to make informed decisions in this dynamic environment.

Can the staff of GCA FORUMS and Sub-FORUMS give us news on what the progress is with the GREAT CONTENT AUTHORITY (GCA) FORUMS, GCA FORUMS Online Community, and GCA FORUMS Mortgage Group. A complete UPDATE will be greatly appreciated. Members of GCA FORUMS would appreciate what the status is with the GCA FORUMS Business Directory, GCA FORUMS Classified Ads, and the Online Business Solutions and Viral Website Developers.

Globalist and Democrats believe in depopulation especially Bill Gates, Joe Cheatin Lying Biden, Barack and Michael Robinson Obama

https://youtube.com/shorts/Fey6xVCWxzo?si=7KCqBwbJA7qOzFhM

Can men and women who work at brothels in Nevada working as sex workers qualify and get approved for a mortgage loan?

Can anyone tell me more about contract processing? I do not know how contract processing works and want to know how this concept will benefit my home buyer. I have been a real estate agent and managing broker for 25 years and have worked with dozens of loan officers over the years and never hear of such thing. Is it better for real estate agents to refer clients to mortgage brokers without contract processing? Do real estate agents connect with contract mortgage processors? Who pays for contract processing? Are contract mortgage processors competent and experienced? I think processing is the most important step throughout the mortgage process. Thank you in advance.

Are there any reputable credit repair companies anyone at GCA FORUMS can recommend? I am a licensed real estate agent in Illinois, Wisconsin, Indiana, Tennessee, and Kentucky and represent homebuyers of residential and commercial properties. However, many of my clients are in need of a credit repair consultant to rebuild, re-establish, and boost their credit scores during times of high mortgage rates and lenders requiring higher credit standards. I have spoken to Felix Nicolas and he said that Gustan Cho was working on vetting a few reputable national credit repair companies and he will be making an announcement on the GCA FORUMS sometime this week. We are in desperate need of a credit repair consultant to help hard working homebuyers and investment property investors. Thank you in advance.

German Shepherd Puppies. Tennessee. Pure bred. 2 panda color males and one black and tan males. Mom is black and tan. Dad is white. 4 months old. Beautiful German bloodlines. Contact Yvonne Schinzel for more information. To good homes only. I may be available on the black and tan one. Black and tan is a female

Homeowners who need to reside or repaint their homes should seriously look at this brick veneer product. Looks so cool. Let us now take a closer look at GenStone exterior faux siding in detail –

GenStone Exterior Faux Siding

What is GenStone?

GenStone is a brand that sells manufactured stone veneer and faux siding products intended to replace real stone, brick, and wooden walls. Its products are lightweight, durable, and can be used indoors and outdoors.

Types of Products Offered

Faux Stone Panels: These are offered in many colors and styles and are made to look like natural stones.

Faux Brick Panels: These are brick-looking panels that can be used to achieve a traditional old brick wall style.

Wood and Shingle Styles: Designed to mimic wooden panels, providing the rural feel but without the upkeep.

Materials and Construction

Combining high-density polyurethanes with other materials makes GenStone products light but strong. They are manufactured to withstand different weather conditions and are fade-resistant.

Installation Process

Easy Installation: GenStone panels are designed to ensure ease of installation and enable homeowners or life hackers to complete the work without engaging a contractor.

No Mortar Needed: In most cases, the panels can simply be adhered to the walls, making the use of mortar obsolete.

Cutting and Fitting: Panels can be cut with ordinary tools to conveniently meet requirements for adjusting windows and doors.

GenStone Benefits

Cost-Effective: Faux siding materials are cheaper than installation of natural stone or wood because material and labor costs are lower.

Lightweight: They are easy to carry and fit since they weigh little.

Low Maintenance: These do not need as much care as conventional materials do since they will not rot, change shape, or require new paint.

Versatile Design: They come in different designs and colors to fit various architectural designs.

Applications

The GenStone works great for residential as well as commercial projects, with several exterior facades, accent walls, fireplaces, and even interiors as applications.

Warranty & Support

Most GenStone products are guaranteed to last a long time, and customers are supported in getting what they want. If a customer asks for help with installation or design ideas, they can help.

Environmental Considerations

GenStone products contain recyclable materials that can help conserve energy for a building, thus making them sellable as “eco-friendly.”

Where to Buy

GenStone products are available for order on their website and at other home improvement retailers. However, only some locations will have stock.

Feel free to ask about a certain product type, review other product lines, or get instructions on installing it!

https://genstone.com/products/faux-stone-panels?utm_campaign=tofu_disc_tr&utm_source=im_aud&utm_medium=googl_disc&utm_content=discover_stone&gclid=Cj0KCQiAr7C6BhDRARIsAOUKifhIWwJsYf-vGW_TDChbjAhKl_kyFgYADQ8QOHz1VT0AK38BsmdXJFcaAoexEALw_wcB

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

genstone.com

GenStone Faux Stone Panels

Shop the GenStone collection of faux stone wall panels for exterior and interior projects to find the perfect color panels for your project.

Most police officers are law abiding true heroes. However, there are always a few bad apples like you see on this video. Know your constitutional God given rights, folks

Amazing word of advice from Mr. Kevin DeLory

https://www.facebook.com/kevin.delory/videos/1512211816209484/?mibextid=Nif5oz

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Tell your people you love them. Appreciation goes a long way. | By Kevin | Facebook

Tell your people you love them. Appreciation goes a long way.

Amazing message Kevin. Thank you for your faith and outlook in life and being a hero to us all. God Bless 🙏

📸 Watch this video on Facebook

https://www.facebook.com/share/v/8yqh1KYJcw6YNq4G/?mibextid=7F9bzA

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Log into Facebook

Log into Facebook to start sharing and connecting with your friends, family, and people you know.

This video clip is funny. Pranking a guy until he literally goes nuts.

https://www.facebook.com/share/r/Z1LV4FFvHHBExZ2A/?mibextid=D5vuiz

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Please HOLD 📞 | Billy Rosewood IV | you_funny_fooker · Original audio

Please HOLD 📞. you_funny_fooker · Original audio

I’ve been perusing these boards for the last few days and I was hoping someone would have advice for my situation.
.
I have a bit of a scenario for you all. My husband and I are in the process of buying our first home. We both are entirely clueless about the process and are hoping we’re doing this the right way.
We both have excellent credit scores – my mid is 802, his mid is 795. We make over $100,000 per year. The thing is, we don’t have much money to put down. At the moment we have $8000 in our savings account and would like to hold onto as much of it as we can to use on the house itself when we get into it. We would hope for 100% financing incl. closing costs, or 80/20 ideally, if we can get it.
Right now we are pre-qualified for 100% financing through Foxtons and Countrywide. We’ve heard bad things about Foxtons, so we (thought) we decided to go with Countrywide. Right now we only qualify for the 100%, but not the 80/20 as my husband does not have enough lines of credit. I added him as a joint holder on one of my accounts and he’s applied for a CC of his own. Countrywide informed that once he gets his accounts for 30 days we’ll qualify for the 80/20.

We liked a townhouse and made an offer for $260,000. We’re not expecting an acceptance, we are hoping to get the house for $265,000. We close on October 31, so there is still some time.
Reading all the news lately has really scared me about using Countrywide for this. What are our options here? Do we cross our fingers and stick with Countrywide, or should we shop around some more? If so, who should we inquire with? (We tried calling GMAC and were entirely unhappy with the customer service we received, so they are out.) We’re afraid we won’t qualify for a mortgage because we won’t have much to put down. I also worry about too many times our credit gets hit – that will bring down our excellent scores.

What do you think? Ideas?

NEXA Mortgage LLC now offers 100% acquisition and renovation investment property loans. Needs to have a after improved value of 65% LTV.

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

Without the cost of land, do any of you know the cost of new construction on two-to-four unit multi-family buildings. It seems it is wiser to build a two-to-four unit multi-family home versus buying an existing two-to-four unit multi-family home.

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

About time

Home prices in Chicago South Loop are plummeting. Sellers are lowering prices and offering incentives. This correction is continuing throughout the city and Suburbs. Expect the downturn to continue in Chicago and other cities. Stay tuned

I have been in the same line of work for 25 years but went from W2 to 1099 in August of last year, and my husband is always W2 as he has been a teacher for 20 years. Can we use our combined income? We will have 3.5-5% down and are currently working to pay our credit card debt to below 30%.

I currently own a home and would like to move in the next 18 months. I am in Chapter 13 and am currently paying into a plan. I have never been late nor have I ever been late on my mortgage. How does this work with Chapter 13? Could I sell and buy another home? What roadblocks, if any, am I looking at?

I have two jobs/positions with one company. One is a W2, and I am labeled part-time. I average 34- 60+ hours every two weeks. Where can I obtain lending?

I am currently in chapter 13 in WA state, I have 12 months on time payments and my low credit score is 667. Can i refinance my home to pay the balance of my chapter 13?

If I get a co-borrow to sign on the loan but they sign a non owner occupied will they still have access and rights to the home. If they chose to move in if I’m the primary resident