[Marcos]

Great post. My sincere apologies, folks. I am trying to be as objective and respectful as possible. However, it is very difficult watching Kalie with a straight face about her values has NOT changed. Excuse me? Her values change so often that keeping track of them is difficult. She wants to confiscate our guns one day, and another day, she’s pro-Second Amendment. Tracking? Increasing taxes, and now she’s not. She believes in censorship one day; another day, she’s the First Amendment. Look at this short video clip. It makes me sick and want to throw up. She’s so unlikeable.

https://youtube.com/shorts/_FPPEo9min4?si=xhpyfNk9e45rTjtx

[Marcos]

Corruption among law enforcement officers cannot be tolerated. It poses a significant public safety risk to have corrupt police officers patrolling the streets. Granting qualified immunity, along with a gun and badge, to a corrupt cop is a disaster waiting to happen. Something needs to be done about this. The solution is to make the qualification and recruitment process much tougher. Currently, anyone with just a high school diploma and three months of training at the police academy can become certified as a law enforcement officer, which is unacceptable. Here’s a video on corrupt police officers: https://www.youtube.com/live/hJkCXUZK13U?si=h-k-iVomcIIdbiTm

[Marcos]

Now I am hearing that half the nation’s police officers are ignorant and don’t know basic law and human civil rights. The United States needs police reform. Many cities and counties nationwide only require a three to six-month police training program before the police recruit graduates from the police academy and can go on the street with full police powers. Many police officers serve years and years without learning human rights sections of the United States Constitution but make well over six figures. WATCH THE ATTACHED VIDEO

https://youtu.be/TwUcRi3VknI?si=oA_flyUcmLTgSZlA

[Marcos]

Thank you, Chad. Thank you for the information on Prop 19 in California. Is Proposition 19 only for homeowners in California or is it for other states too? Can you please give me about 5 case scenarios as an example so I can comprehend? What lenders do Proposition 19? I heard Gustan Cho Associates is one of those lenders. How do I connect with Gustan Cho Associates?

[Marcos]

I understand your frustrating situation and that you want to fix it as soon as possible. Here are some steps you can take if you want the late payment removed:

Gather records

Collect any documents that are related to this issue. This might include bank statements, credit card statements, or notes of conversations you have had with the credit card company.

Write a goodwill letter.

Write a detailed explanation of what happened in the payment process and request that they remove this occurrence from your credit history out of goodwill.

If applicable, mention how often this mistake was made before by emphasizing on-time payments made in past months and years.

Dispute with credit bureaus

• Contact each bureau (Equifax, Experian, TransUnion) separately.
• Do not contact one bureau and expect them all to be notified.
• Each communication should have an envelope addressed to that company’s dispute resolution department.

Be sure to submit copies (not originals) and track who you spoke with at the bureaus and any reference numbers they provide.

Submit a complaint to CFPB (Consumer Financial Protection Bureau)

• CFPB has a role in helping consumers get responses from companies they have a problem with.
• File a complaint here: consumerfinance.gov/complaint/
• Take it up higher within the company.
• Ask customer service representatives if someone above them might have more power/authority.
• Ask about the contact information of the executive office or CEO.

You may also want to consider:

Professional Help

Consider hiring an attorney specializing in these types of cases (consumer law attorney). They can help guide you through the process and ensure everything is done correctly.

Pay For Delete

As a last resort, offer to pay additional money in exchange for removing the derogatory mark from the record completely; however, most companies do not agree to such terms.

Keep watching your credit: Check every month for the next few years (at least annually) to ensure everything stays clean on all three reports. This way, it’ll be caught early if anything pops up again!

Know Your Rights: Learn about the Fair Credit Reporting Act to determine your options.

Be Persistent:

• Don’t give up after the first attempt.
• Sometimes, persistence pays off when dealing with large corporations like Discover Financial Services.
• Remember that credit card companies are not legally required to remove accurate negative information from your credit report.
• Still, they may be willing to work with you on this if it was a one-time mistake and you have a good history of making timely payments.
• Also, while Discover has earned a reputation for being somewhat inflexible regarding goodwill adjustments, there might still be other things worth trying.

Keep going higher: Try reaching out higher within their organizational structure. Executive-level staff members often have more leeway.

Keep records: Keep track of everything you and Discover do/say/agree upon. Include dates/times/who you spoke to.

File a formal dispute: Write to them directly by certified mail explaining exactly how their error caused the late payment(s) and asking them to fix it immediately.

Rewrite your cardholder agreement: Verify that Discover did not follow any rules when processing the payment.

Keep Trying: Don’t give up so easily. Sometimes, it takes more tries than the first or second attempt.

The way forward is to make a good credit history:

• When you cannot have something deleted, consistently make timely payments.
• As time goes by, the impact of one late payment decreases.

Think about what you want to do if they won’t cooperate:

• Consider dropping Discover as your provider if they keep being stubborn.

Remember this for next time:

• Make sure to get all changes about payments in writing and check back until processed correctly.
• While referring to federal law, remember no legislation prevents them from removing a late payment.
• This is their policy, not compulsory by law.
• Keep insisting it was their fault because they mishandled your request to change when the bills are due.

When everything else fails, consider that the negative effect on one’s credit score from a single 30-day late payment tends to decrease, especially if other payments are made promptly around that period. It can be frustrating when a creditor like Discover does not offer goodwill adjustments for a legitimate error. Here are the steps you can take.

Document Everything: Collect all records of communication (emails/letters), receipts, and bank statements showing your payments were made on time before the due date.

Dispute with Credit Bureaus: Contact Experian Equifax TransUnion directly, disputing these charges based on supporting documents provided, such as canceled checks and money orders.

CFPB Complaint: If disputing does not work, file a complaint against Discover Financial Services LLC at http://www.consumerfinance.gov/complaint/.

Legal Advice: If all else fails, seek consultation with an attorney who specializes in consumer protection laws regarding financial institutions like Discover Financial Services LLC.

Persistent Resolution of Disputes.

consumerfinance.gov

Submit a complaint | Consumer Financial Protection Bureau

Find information and tools to submit a consumer complaint to the Consumer Financial Protection Bureau.

[Marcos]

I hope you’re doing well too! Your question touches on the topic of property ownership and inheritance, which can be complex and is often influenced by state laws and the specifics of the divorce settlement.

Here’s a general overview:

1. Ownership and Deed:

   • Since both your brother and his ex-wife are on the deed, they likely own the property as either joint tenants or tenants in common.
   • Joint Tenants: If they own the property as joint tenants with the right of survivorship, your brother’s share of the property would automatically pass to his ex-wife upon his death, not to his children.
   • Tenants in Common: If they own the property as tenants in common, your brother’s share of the property can be inherited by his heirs, which could include his children.

2. Divorce Settlement:

   • The divorce decree may outline specific provisions about what happens to the house in the event of your brother’s death. It’s important to review any legal documents related to the divorce to see if there are any stipulations about the property.

3. Will or Estate Planning:

   • If your brother has a will, it would typically specify who inherits his share of the property. If the will leaves his share to his children, then they would inherit it, assuming they are listed as his beneficiaries.
   • If there is no will, the state’s intestacy laws would determine who inherits his share, which often defaults to his children if he is not remarried.

4. Legal Advice:

   • It’s important for your brother to consult with an estate planning attorney who can provide advice based on his specific situation, including how the property is titled, the terms of the divorce settlement, and state inheritance laws.

Key Considerations:

• Property Title: Verify whether the property is held as joint tenants or tenants in common.
• Divorce Decree: Review the divorce agreement for any clauses regarding the house and what happens to it upon either party’s death.
• Estate Plan: Ensure your brother has a will or estate plan in place that clearly states his wishes regarding his share of the property.

Given the potential complexities involved, professional legal advice is highly recommended to ensure that your brother’s wishes are honored and that his children are provided for according to his intentions.

[Marcos]

Successful Classified Ad Writing

A well-crafted classified ad can capture attention, generate leads, and drive conversions. Here’s a step-by-step guide on how to write a successful classified ad, what to include, and how to optimize it for your brand.

What Makes a Good Classified Ad?

Headline: Clear and Concise

The headline should be clear and concise. It should catch the eye of people who are scanning through ads quickly. Use strong action words or phrases in the headline, as well as product or service names and other key details.

Example: “Affordable Home Loans for First-Time Buyers – Fast Approvals!”

Body Content: Engaging

Opening Sentence: The opening sentence must grab attention by addressing the reader’s needs or pain points.

Key Details: What you’re selling, pricing information (if applicable), location/contact info, etc… Keep it simple but direct.

Call to Action (CTA): A good classified ad will have call-to-action statements telling people what to do next. Here are examples of CTA statements:

• “Call Now”
• “Visit Us Today”
• Or even something like “Limited Time Only—Act Fast!”

Specifics:

• What exactly are you offering?
• Does your product have any special features?
• Are there any benefits that potential buyers might be interested in hearing about?
• Is there anything else potential buyers should know?

Contact Information: Sometimes, people need to remember this one little thing. Make sure there’s some way for them to get in touch with you! Give out phone numbers or email addresses so potential customers can easily reach out if they want more information on whatever caught their eye!

Targeted Keywords: Incorporate relevant keywords into your classified ad copy, especially if it’s being posted online—this can help improve search visibility. Additionally, linking back from various locations around the web could also boost organic search rankings for pages linked within those ads…

Simple Format: Make it easy on the eyes! Keep bullet points short & sweet, or break things up into smaller paragraphs so it’s not just one giant wall of text.

Format of a Classified Advertisement

Headline:

• Exclusive Offer
• 0% Down Payment Home Loans
• Easy Approval Process!

Introduction:

“Looking to buy your first home? Our exclusive loan program offers 0% down payment with easy approvals tailored for first-time buyers.”

Details:

“Features include:

• 0% Down Payment.
• Competitive Interest Rates
• Fast Approval Process
• Available for First-Time Homebuyers

Location: Serving all of California

Contact: Call Jim Jones at (123) 456-7890 or visit http://www.jimjonerealty..com“

Call to Action:

• “Don’t miss out on this limited-time offer!
• Call now or visit our website to apply today.”

Tips for Creating Successful Classified Ads

Know Your Audience:

• Who is the ad targeted towards?
• What would they like to see in an ad?

Think about these questions as you create content that caters specifically to them.

Focus on Benefits: What will people get out of using your product/service? Instead of just listing off features, explain how they solve their problem or meet a need they have.

Be Honest and Transparent: People appreciate honesty online, so don’t lie about anything here either. Be truthful when describing what is being sold or offered, etc.… Transparency builds trust, which goes a long way…

Use Persuasive Language: Certain words can trigger emotional responses in readers, making them more inclined to take action immediately (urgency). Examples might include phrases such as “Limited Time Only,” “Guaranteed Results,” and so forth…

Include Strong CTAs: Ensure people know what to do after reading your classified ad. Tell them explicitly by including clear call-to-actions throughout the copy!

Proofread: Everything must make sense. But it’s equally important that all grammar or spelling mistakes are corrected before publicly posting anything. A polished ad reflects professionalism, while one filled with typos looks careless.

SEO and Classified Ads

A well-written classified ad can contribute to SEO for your brand, especially if:

1. Linked to Your Website.
2. Including links to your website’s main pages could help search engines understand more about each page.
3. This, in turn, might increase rankings for various related key phrases both directly and indirectly…

Consistency: Posting ads consistently across multiple platforms using different versions of optimized content (unique) may enhance overall visibility online over time. Primarily because people tend to notice things more when they see them repeatedly…

What to Include and Leave Out

Include:

• The clear headline and opening sentence.
• Key product/service details.
• Contact information.
• Call to action.
• Keywords for SEO

Leave Out:

• Unnecessary details or overly complex information.
• Fluff or filler content.
• Misleading claims or exaggerations: Overly technical jargon unless it’s industry-specific.

Networking Classified Ads Across Multiple Portals

Different methods exist to post the same classified ad across multiple portals.

Classified Ad Posting Services: These services distribute your ad to various platforms, such as Craigslist, eBay Classifieds, and social media marketplaces.

Ad Management Software: Software designed to manage and distribute classified ads simultaneously across different networks is available. Most of these tools come with analytics features that track performance.

RSS Feeds: Syndicate your ad across multiple sites using RSS feeds where allowed by the platform.

Overall, a good classified ad is clear, concise, and targeted. You can achieve this by focusing on benefits, using relevant keywords, and incorporating a strong call to action to attract attention and drive conversions. Consistently posting on several platforms can boost your brand’s online presence while enhancing SEO rankings.

[Marcos]

It is important to reveal corrupt practices and unethical conduct in public offices to ensure the integrity of government and hold public servants accountable for their actions. Suppose you suspect a mayor or any other high-ranking official has been involved in corruption. In that case, you must act by established norms and within the confines of the law.

Guidelines on Exposing Corruption:

Collect Proof:

• Acquire reliable and verifiable evidence about the organization’s fraudulent activities.
• Examples of evidence that can support the claims made include emails, documents, and testimonies from witnesses.
• Ascertain that the proof is explicit, factual, and legally obtained.

Involve Investigative Journalism:

1. Contact reputable investigative journalists or media houses.
2. Journalists and media agencies should have a reputation for unearthing scandals so that they can investigate your case and report it objectively.
3. Work with local or national media outlets.
4. Local and national media networks will help raise awareness about this matter.

Raise Complaints before Relevant Authorities:

• Report these acts to appropriate law enforcement agencies or oversight institutions such as the Attorney General (AG) office at the state level, the Federal Bureau of Investigations (FBI), the municipal ethics commission, and other local, county, state, or state compliance, regulatory, or law enforcement agencies.
• Cooperate with investigations by submitting all available materials and any other requested information while giving them copies.

Public Campaigning:

If legal steps are being taken to follow up on what happened, start publicizing events surrounding those proceedings through social media campaigns like the Twitter hashtags #StopCorruption and Now Change.org petitions, among others.

Social media platforms may inform more people about corrupt practices perpetrated by individuals holding positions of trust.

Legal Advice:

Consult an attorney who will guide you to avoid defamation traps and other legal troubles. Make sure every allegation is well supported with enough evidence to not lose against the parties involved should a trial arise later on.

Engaging Anti-Corruption Organizations:

Join with non-governmental organizations (NGOs) concerned with fighting against graft within societies. Such groups usually have more resources than individuals can acquire; hence, their involvement might amplify your actions considerably.

Warning:

It is worth noting that making allegations of corruption without sufficient evidence could be damaging legally and reputationally, not only to the accused but also to the accuser. Therefore, all claims should be backed up by adequate proof and addressed using established legal channels. Exposing corruption is a weighty task that must always be carried out in good faith and transparency.

[Marcos]

I know you’ve asked about Jeremy Dewitte and the psychology of police impersonation. So here’s a general idea based on what you’ve said and common knowledge:

The Jeremy Dewitte Case:

• Jeremy Dewitte is a serial personator involved in multiple cases over many years.
• His behavior began at 17 and continued into his late 40s.
• He has an enduring wish to be seen as a law enforcement officer.

About Police Impersonators Generally: Potential Triggers and Motivations:

Power and authority: The need for power or control over others.

Respect and recognition: Wanting to be respected as much as cops are by the public.

Unfulfilled ambitions: Having tried but failed to get into legal enforcement agencies.

Psychological issues: Such issues could be linked with personality disorders or delusions.

Thrill-seeking: Getting excited through deceitfulness & taking risks that can endanger other people’s lives.

Identity issues:

• Problems with establishing self-image stability.
• It should be noted that impersonating a police officer is considered illegal worldwide.
• It is not legal because it harms public safety while undermining trust in genuine law enforcement officers.
• Without specific psychological evaluations, nobody can say for sure what exactly motivated Dewitte.
• Although there might always be some common factors between cases of this kind, every single one may have peculiar underlying causes.

If you want more information on why individuals behave like this or what happens when they are caught impersonating law enforcers.