Realtor Mark
RealtorForum Replies Created
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I truly believe the entire country needs police reform. There are so many police officers who think they are above the law and have ridiculous egos that will get them in trouble
Deputy Detective Tyler Ingram gets stopped by Arkansas State Trooper Rafael Guerra. They both make mistakes, but only one gets arrested and loses his job.
HIT the LIKE 👍
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Refinancing a car loan can be challenging, but it is possible. The goal is to move the loan for the 2016 GMC Sierra from the client’s name to the fiancé’s name. Since the fiancé is self-employed, has a low credit score, some verifiable income, and is a veteran, the best approach is to look for lenders who consider more than just credit scores.
Here’s a step-by-step plan and an overview of possible lenders.
How Subprime Lending Operates for the Self-Employed
Obtaining a loan from a traditional bank can be challenging for self-employed individuals. Subprime lenders typically have more flexible rules and are more likely to approve loans based on the borrower’s ability to pay, rather than just their credit score.
Here’s what they will require for income verification:
- Proof of Business Operation: They require at least two years of self-employment, which he has.
- Income Documentation: He should gather 12 to 24 months of bank statements to demonstrate cash flow, along with a profit and loss statement and tax returns (Form 1040, Schedule C) to prove that his contracting business has a steady income.
- Debt-to-Income Ratio (DTI): Lenders will check his DTI.
- Steady income from his business and disability benefits should help keep this ratio in a good range, even if he has other debts.
His disability benefits from the U.S. Armed Forces are a plus. With at least one year of steady, verifiable income remaining, lenders will see this as a sign of stability, which will help his application.
Lender Options and Recommended Strategies
Given his 587 credit score, self-employment, and veteran status, the following options are most likely to help him get a refinancing loan for the truck.
Option 1:
- Community-Oriented Credit Unions
- Some credit unions have community-based initiatives that help individuals who struggle to access conventional banks.
- They take a more holistic approach, considering the whole person rather than just a number.
- Alternatives Federal Credit Union: This credit union assists community members in obtaining loans to enhance their financial situation.
- They understand lower credit scores and can help with refinancing.
- They should be the first place you contact.
Option 2:
- Military-Focused Lenders
- As a veteran, he can work with lenders who focus on helping veterans.
- These lenders are typically more flexible and understand the financial challenges associated with military service.
- Navy Federal Credit Union (NFCU): NFCU is recognized for its competitive pricing and has a large membership base.
- As a veteran, he is eligible to apply, and NFCU can process his application.
- Since he is on disability, offering him an auto refinance and working with him as a veteran is a suitable approach.
- PenFed Credit Union: PenFed offers large loans and focuses on serving the military community.
- Refinancing with them is a good option to consider.
- USAA: A USAA auto loan could be an option.
- They offer loans for older vehicles (the 2016 Sierra qualifies) and have programs for veterans.
- Contact them to see what terms they might offer, considering his full financial picture.
Option 3:
- Subprime Lenders and Specialized Dealerships.
- These lenders help people with credit challenges.
- They usually focus more on steady income and job stability than on credit scores.
- Auto Credit Express: This service connects individuals with credit issues to lenders and dealerships.
- They offer programs for veterans and work with subprime lenders who understand self-employed income.
- He can apply through them and get connected to a dealership in the Rockford area.
- Rockford Subprime Local Dealerships: Dealerships like Anderson Nissan in Rockford collaborate with subprime lenders and support all customers, regardless of their credit score.
- Their finance team partners with different lenders and may be able to help him get a loan using his income documents.
Why It’s A Good Idea to Have A Co-Signer
Most sources agree that if the borrower can’t get approved, having a co-signer with better credit can help secure a loan. Ideally, the fiancé will qualify on his own, but if not, a client or family member with good credit can co-sign. This can improve approval chances and help get a lower interest rate.
Steps to Take
- Getting Documents: The fiancé should gather these documents as soon as possible:
- Last two years of personal and business tax returns.
- Current year-to-date profit and loss statement for his contracting business.
- Last 12 to 24 months of personal and business bank statements.
- Proof of his award letter on disability benefits or the bank statements that show the deposits.
- His military service proof, DD-214, or other documentation.
Contact these lenders in this order:
- Start with Alternatives Federal Credit Union, as they specialize in helping individuals with low credit scores.
- Next, because he is a veteran, reach out to Navy Federal, PenFed, and USAA.
- If those options don’t work, apply with Auto Credit Express to get matched with a local subprime lender in Rockford.
- Then visit or call the finance department at a local subprime dealership, such as Anderson Nissan, which offers subprime financing.
Expect Higher Rates:
- With 587 a 587 credit score, the interest rate will be higher than for someone with good credit.
- The primary goal is to remove the truck from the client’s name.
- After making on-time payments for 12 to 24 months and improving his credit, he can try to refinance again for better terms.
- It is tough, but there is hope. His self-employment income and veteran benefits are positive factors that subprime lenders will take note of.
- With the right lenders and organized paperwork, he has a good chance of getting a subprime refinance.
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This reply was modified 2 months ago by Mark.
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The cost to repair rust on a 2000 GMC Sierra 4×4 Extended Cab depends on the severity of the rust, its location, and local labor rates. Replacing rocker panels and cab corners typically costs between $1,500 and $4,000 per side, or between $3,000 and $8,000 for both sides. If the floor or frame also requires work, that can add an additional $2,000 to $5,000. Patching is typically cheaper, ranging from $500 to $1,500 per area, but it may only be a short-term solution if the rust has spread. Cosmetic repairs only fix the surface and do not solve deeper problems. Body shops will inspect the rocker panels, cab corners, floor, and attachment points. If they find hidden rust, the price may increase due to the need for extra cutting and welding. The first quote you receive is often just an estimate, as more rust may be revealed during the repairs. Some shops offer repair kits or covers as cheaper alternatives, but these typically do not last long. If you want to save money, you can ask for rust removal and resealing without repainting.
How to Obtain an Accurate Repair Estimate
- Ask local body shops for written estimates. Request an inspection that does not require them to disassemble anything, and ensure they provide a detailed list of materials, labor hours, and parts they plan to replace. The shop should clearly explain what work they will do, including the condition of the rocker panels, floor, cab corners, and any hidden rust. Getting a detailed estimate helps you avoid surprise charges.
- If possible, ask the shop to show you which areas they will inspect for hidden rust before providing a final estimate. Examining these spots yourself can help you understand the full extent of the repairs required.
Try to obtain three to five quotes from local shops that cover both sides of your truck, including potential worst-case repairs such as floor or inner rocker panel replacement. Compare the prices, the duration of repairs, warranty details, and patching options. Talking to a GM truck expert can help you spot rust problems early and might save you money. Prices will vary depending on your location and the findings of the inspection. If you need help, please let me know your city or area, and I can assist you in coming up with questions for local shops or review your quotes. Many rust repair prices come from shared experiences in auto repair forums and community discussions.
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Thank you for raising concerns regarding trust in institutions and accountability. These are important these days in any democracy. However, I must be careful here because you mention certain documents and claims I do not have any information about, and the context is unclear.
Let me search for new data about the topics you are talking about so I can give a more precise answer.
Thank you for the context. I understand you are talking about the more recent accusations made by DNI Tulsi Gabbard about the Russia investigation of 2016. This is a big and controversial issue, so it must be approached cautiously.
Let me offer some ideas, while I will be candid about what some of the challenges here will be:
About the Need For Trust in Institutions
- You are right that trust in institutions is an aspect of democracy.
- The public must have confidence in the intelligence services, policing, and other government agencies’ ability to conduct their operations honestly, lawfully, and politically neutrally.
- Erosion of such confidence, for any reason, whether due to actual wrongdoing or perceived wrongdoing, will have dire consequences for democracy.
On the present:
Gabbard has made public documents that she claims to show how Obama administration officials have really twisted and spun intelligence regarding Russia’s interference in 2016, which she calls a “treasonous conspiracy.” This is a most serious claim!
There is much disagreement about what those documents actually prove.
- Gabbard’s argument is complicated and oversimplifies the entire situation, as the fact-checkers say, which means she mixes up some concepts about Russia’s interference and its election (voter meddling and other election disturbances).
- Analysis from other sources suggests that the basis of her claims is unsubstantiated or misleading.
What is certainly a fact:
- It is established and proven by many investigations, which have even been Republican led: Russia’s interference, which includes hacking and social media manipulation, is a fact from the influence operations that took place during 2016.
- There is no disagreement that Russia interfered. The disagreement is whether the intelligence officials spent time politicizing their assessments or properly characterized the interference.
- Acknowledging Gabbard’s frustration with the lack of political consensus, scholars from various areas should independently examine and investigate documents cross-regionally and politically.
- If political manipulation of intelligence is proven, the argument is strong.
- It substantiates the pestilential trust breach, which is correlated with the public’s interest.
- Thus, there is no need to harbor consequences.
- It is also critical to understand the distinctions between (a) deep, profound, or exaggerated manipulation (fabricating class), (b) accurate but pitched intelligence, and (c) professional and subjectively resolved scrutiny and examination.
- Skepticism should go both ways. Consider whether current officials accurately characterize historical documents or present them distortedly. Obama officials should also be scrutinized.
Assuming someone would be held accountable, would you consider that a just outcome?
I am myself skeptical about accountability in either direction.
Our political system has become so deeply polarized that what looks like a clear wrongdoing to one side is a total partisan witch hunt to the other side. Without bipartisan consensus on the most basic facts, powerful people become untouchables, almost like the system is designed to protect them.
What would help: A nonsensical notion that has become so deeply intertwined with American politics that, in today’s immediate, I am not sure such a thing exists.
How do you assess the absence of sufficient accountability?
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GCA FORUMS NEWS obtained body camera footage of a 49-year-old Lacey man, wearing body armor with “POLICE” and “SWAT” logos and a metallic Edmonds police badge, arrived at an active police scene in an unmarked Ford Explorer with activated police lights. He identified himself to Bremerton officers an as off-duty Edmonds police detective, a Bremerton Police Department.
This featured content is NOT intended to be violent nor glorify violence in any way. We are sharing this footage STRICTLY for the purposes of news reporting and education.
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What Happens To DIRTY COPS In Prison?
This video does not glorify violence. Violent words are bleeped or not included. No harmful actions are explained or covered in detail. All sensitive events are explained in an informational context for the documentary without being exploitative or ddismissiveismissive. The history of drug trafficking is explained in an educational context.
Our documentaries are strictly made for educational and informational purposes and do not in any way endorse this channel’s views. We thoroughly researched every video and did our own editing and narrating.
In prison, dirty cops often face a range of challenges and dangers.
Here’s what typically happens to them:
- Loss of Authority: Dirty cops, who are used to having power and authority, suddenly find themselves in a position where they have none.
- This can be a significant psychological blow.
- Target of Other Inmates: Other inmates, especially those who have been wronged by the police or have a general distrust of law enforcement, may target dirty cops for retaliation.
- Protection Issues: Dirty cops may struggle to find protection within the prison system.
- Their fellow officers might see them as traitors and enemies by the inmates.
- Isolation: To avoid conflict, dirty cops may be isolated from the general prison population, spending much of their time in solitary confinement.
- Psychological Impact: The transition from a position of power to one of vulnerability can lead to severe psychological issues, including depression, anxiety, and post-traumatic stress disorder (PTSD).
- Physical Danger: The physical danger is real despite the bleeped or omitted violent words.
- Dirty cops may face physical attacks from inmates seeking revenge or asserting dominance.
- Exploitation: They might be exploited by other inmates or even prison staff, who see them as easy targets due to their past actions.
- Stigmatization: Within the prison hierarchy, dirty cops are often stigmatized and may face constant harassment and bullying.
- Lack of Support: Unlike regular inmates, dirty cops may lack support from both the inside and outside, as their past actions have likely alienated them from potential allies.
- Rehabilitation Challenges: The stigma and danger they face can make it difficult for them to participate in rehabilitation programs, further complicating their reintegration into society upon release.
https://youtu.be/PEHerOXRhVs?si=4-1zU_BSmXd1hIpY
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This reply was modified 7 months, 1 week ago by
Gustan Cho.
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Katie Abraham was 20 years old. A college student with her whole life ahead of her. Until a drunk illegal alien that Illinois protected killed her in a car crash and fled to Texas using fake documents. Today, her father Joe sat in Congress watching the governors who enabled his daughter’s death squirm under oath, unable to justify their sanctuary policies that value criminal aliens over American lives.
This gut-wrenching segment from Gary Franchi’s RAW FEED on the Next News Network exposes the sanctuary state bloodbath happening across America. Three Democrat governors—Pritzker of Illinois, Walz of Minnesota, and Hochul of New York—were forced to testify under oath about their deadly policies. What happened next was a masterclass in evasion, lies, and moral bankruptcy.
Chairman James Comer opened with Katie’s story, forcing these governors to confront the real human cost of their virtue signaling. The illegal alien who killed Katie had been previously deported but was protected by Illinois’ sanctuary policies. He didn’t just flee the scene—he fled the state, was caught in Texas using fraudulent documents, and now faces federal charges. When Comer asked Governor Pritzker directly if this killer should have been in America, Pritzker couldn’t even answer. He started offering condolences before being cut off. The question was simple: should Katie’s killer have been here? The silence spoke volumes.
The revelations got worse. Governor Kathy Hochul admitted she has absolutely no idea how many illegal aliens are in New York or how much taxpayer money they’re receiving. When pressed by Rep. Donalds, she incredibly claimed immigrants “have been coming here for 400 years” as justification for keeping zero records. Your tax dollars are disappearing into a black hole, and the governor of New York doesn’t even pretend to care.
The truth about sanctuary policies becomes undeniable when you see it destroying lives. That’s why independent journalism matters more than ever.
Tim Walz’s testimony was perhaps the most disgusting. When confronted about calling ICE agents “modern-day Gestapo,” he refused to apologize. Think about that—comparing American law enforcement officers to Nazis who murdered six million Jews, and he won’t take it back. These are the same officers trying to remove drunk drivers who kill college students, and Walz calls them Gestapo.
Tom Emmer absolutely destroyed Walz with facts about Minnesota’s transformation into a criminal magnet. Free healthcare, free college, driver’s licenses for illegals while handcuffing law enforcement. The result? Minnesota attracts terrorists, gang members, murderers, and child predators. Emmer’s closing shot was brutal: “You remember JD Vance, don’t you?”—reminding everyone that Walz lost to Trump-Vance.
The viral moment came when Rep. Brandon Gill confronted Pritzker with his own tweet urging everyone to use opposite-gender bathrooms to protest Trump. When asked if he ever used a women’s restroom himself, Pritzker went completely silent. The hypocrisy was so thick you could cut it with a knife.
Democrat Congressman Stephen Lynch then compared ICE agents to Nazis, saying his WWII veteran father would be proud he’s “fighting today’s Nazis.” This is the sick rhetoric that gets federal officers killed—comparing immigration enforcement to the Holocaust.
The hearing climaxed with Rashida Tlaib having a complete mental breakdown, screaming “THEY’RE ARRESTING DISHWASHERS!” As if arresting dishwashers justifies protecting drunk drivers who kill American students. She ranted about corporations and detention centers while Katie Abraham’s father sat there, knowing his daughter would be alive if not for these policies.
James Comer exposed the big lie about needing legislation to secure the border. Trump secured it without any new laws—the “we need a bill” excuse was always a scam. Now it’s time for step two: deporting the criminals these governors protect.
This is what sanctuary policies really mean: dead Americans, grieving families, and governors who can’t look victims’ parents in the eye. Watch Gary Franchi expose every devastating moment.
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On July 22nd, 2024. A highly intoxicated off-duty officer crashed his car and tried to flee the scene twice, then thought because he was an officer he could get special treatment.
The videos on Police Watch are intended solely for informative and educational purposes. They are not meant to encourage or promote any illegal activities or unsafe behavior. Body-worn camera footage has been edited for length and in accordance with YouTube community guidelines while maintaining a journalistic focus. The content is designed to provide insight into law enforcement procedures, police interactions, and public safety awareness. Always respect the law and follow local regulations.
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I don’t think there is any nationwide information available on the ratio of police officers in the US who have been arrested and convicted for driving under the influence (DUI). Still, I can combine some studies and reports to provide more details.
New insights into police officer arrests have come from a study by Bowling Green State University in 2016, led by Philip Stinson, a criminologist. The study revealed that roughly 1,100 officers are arrested yearly in the United States for various offenses. DUI is frequently placed second among charges, next to pepper-spraying a subordinate, over a decade-long trend observing 1,000-1,140 arrests a year (2005-2012). However, it’s important to note that no specific breakdown of conviction or arrest numbers for DUIs was provided. Relating this to the existing 765,000 sworn officers in the US (based on 2008 Bureau of Justice Statistics), it insinuates that roughly 0.14%-0.15% of police officers get arrested every year for any offense, with a DUI being a large, but unspecified, portion.
Conviction rates are even more complex. Another study leaned more toward a large disparity in outcomes, with over 72% conviction rates for officers serially charged alongside documented outcomes, lacking DUI-specific breakdowns. DUI charges often hinge on plea agreements, departmental guidelines, and jurisdictional rule sets. It has also been noted by some outlets with allegations of criminal conduct that approximately 76% had some convictions. Additionally, about 62% of those convicted were deemed felons, which could include harsh DUI charges.
Your thoughts concerning responsibility and a gradual move towards less tangible blame for overall outcomes illustrate important shifts.
As you mentioned, “professional courtesy” has historically spared officers the consequences of their actions. However, this practice has diminished in many places because of public scrutiny, body cameras, and stricter department regulations. For example, a 2017 VICE News report about Stinson’s database noted that although officers are often arrested for DUI, the results are inconsistent. Some get terminated, which is the case for 54% of the study’s sample, and the rest either resign or face no consequences.
Sadly, sworn officers are not the only ones affected by inconsistent reporting. Many officers with DUI arrests and convictions would go untracked due to the absence of a centralized database documenting officer-specific crimes. Using the available data, it can be suggested that less than one-tenth of a percent of sworn officers are arrested for DUI each year, and an even smaller fraction is convicted. Even then, that assertion is a rough estimate.
If you wanted more specific estimates, you would likely have to wade through state-specific law enforcement records or POST databases, which can be difficult because of restricted access. On the other hand, I could look for more recent studies or posts from GCA Forums News to get an idea of the current sentiments surrounding this topic. What do you think we should do?
