You cannot trust the media or the news these days. You definitely cannot trust politicians and that is a fact and fact checked. Is Global Warming real or a money making scheme for conspiracy theorists, politicians, and the media?

Here is a link about an economist aggressively forecasting mortgage rates will drop under 4% in 2024. Could 2024 be a bull market for loan officers? Out of 150,000 loan officers, close to 100,000 either left the mortgage industry completely, retired early, or let their NMLS licenses expire and are in a different industry or thinking about going into a different industry. Hundreds if not thousands of mortgage companies, whether they are mortgage bankers, correspondent lenders, or mortgage brokers went out of business in 2023

https://youtu.be/aWePq5–Seg?si=L2Q_8ad8MFchhyuK

The decision of whether electric cars are worth your money depends on various factors, including your individual needs, preferences, and circumstances. Here are some considerations to help you make an informed decision:

Initial Cost: Electric cars can have a higher upfront cost compared to traditional internal combustion engine vehicles. However, this cost may be offset by government incentives, tax credits, and lower operating costs over time.

Operating Costs: Electric cars generally have lower operating costs than traditional vehicles. They are often more energy-efficient and have fewer moving parts, resulting in lower maintenance expenses. Additionally, electricity is usually cheaper than gasoline on a per-mile basis.

Range and Charging Infrastructure: Consider the driving range of the electric car and the availability of charging infrastructure in your area. If you have a daily commute within the electric car’s range and access to charging stations, it may be a practical choice. Advances in charging infrastructure are continually being made, making electric cars more convenient for many users.

Environmental Impact: Electric cars produce fewer emissions during operation compared to traditional vehicles, especially if the electricity comes from renewable sources. If reducing your carbon footprint is important to you, an electric car may be a good choice.

Resale Value: The resale value of electric cars is influenced by factors such as battery technology, model popularity, and overall market trends. Research the resale values of specific models to gauge their long-term value.

Technology and Features: Electric cars often come with advanced technology and features, including regenerative braking, autopilot capabilities, and smart connectivity. Consider whether these features align with your preferences and needs.

Incentives and Rebates: Many regions offer incentives and rebates for electric vehicle purchases, which can significantly reduce the overall cost. Research the incentives available in your area to see how they may impact your decision.

Infrastructure Development: Consider the rate at which charging infrastructure is expanding in your region. A well-developed charging network enhances the practicality of owning an electric car.

Personal Values: Some people choose electric cars because they align with their environmental values or desire to support sustainable transportation. If these factors are important to you, they may influence your decision.

It’s essential to research and compare specific models, taking into account your driving habits, budget, and local infrastructure. As technology advances and becomes more widespread, electric cars are likely to become an increasingly viable and attractive option for many consumers.

• This discussion was modified 1 year, 1 month ago by  Ollie.

It is human nature to easily be tempted into corruption due to greed. There is overwhelming evidence Joe Biden is an obvious corrupt politician. How can a politician without ever having a job and a family of no wealth can become a multi millionaire as a career politician. Here is a clip about the Joe Biden Crime Family

https://youtu.be/7gN_KkmogUU

People with diabetes has a shorter lifespan. However, the lifespan depends on how the person takes care of their body. Does anyone know the average lifespan of a diabetic versus a person without diabetes?

Anyone can explain the major differences between Fannie Mae and Freddie Mac? No matter how much someone explains to me the difference, I get more and more confused.

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?

My husband and I are looking to buy a house. however he only has 1 year of employment whereas I have over two years of employment. My husband only has one year of employment because he was living abroad. While living abroad he had no work history. Would we still qualify for a mortgage?

How Solid Is Your Pre-Approval Letter? How reliable is your pre-approval letter? What does a loan officer do during the qualification and pre-approval process before the pre-approval letter is issued? How long does the pre-approval letter take? Can you get denied for a mortgage loan after the pre-approval has been issued?

How much house can I afford vs how much house can I qualify? How much house can I qualify compared to my salary? How much income do I need to make to afford a $300000 house? What credit score is needed to buy a $300K house?

• This discussion was modified 5 months, 4 weeks ago by  Sapna Sharma.

What are closing costs on a home purchase. What does closing costs cover? Is there closing costs on both purchase and refinance mortgage loans? Who pays for closing costs? Do all mortgage lenders charge the same amount of closing costs? How can you not pay for closing costs on a home purchase? What is seller concession and lender credit and how can you pay for closing costs with seller concessions and/or lender credit? How much are closing costs?

Do you know any banks that offer 10% down on second mortgages or 90% CLTV or HELOC with a 700 credit score or better with income of over 70,000 yearly?

I am looking to buy a house in Alabama but don’t have the 3.5% down payment and the closing costs for an FHA loan. Is there down payment assistance in Alabama or can I finance the down payment? What are my options as a first-time homebuyer? Am I able to buy a house if I do not have the down payment and closing costs for an FHA loan?

What are mortgage rates today Monday August 5th, 2024. Why is the Dow Jones Industrial Average Down 1,000 points? Why are the 30-year U.S. Treasuries down and what does this mean to mortgage rates? Why is Gold and Silver down and what this mean? What is the Federal Reserve Board thinking?

I have always wanted to own a German Shepherd dog. We have been renting for the past ten years and are about to close on a house. We have a small family, my wife, five year old son, and two year old daughter. I have heard so many great things about owning a German Shepherd dog and how easy they are to train and how great they are as protectors. How is it like owning a German Shepherd dog for a small family like ours. Much appreciated.

Can I Purchase 2 To 4 Unit Property With an FHA LOAN with 3.5% down payment, live in one unit and rent out the other unit for rental income? What are the HUD GUIDELINES on buying a two-to-four unit multi-family home with an FHA loan?

WHAT IS THE MINIMUM DOWN PAYMENT FOR A JUMBO MORTGAGE?

What are the requirements for a small home builder to get qualified for ground up one-to-four unit new construction homes. How do you qualify, how do you get pre-approved, what are the guidelines, and what is the mortgage process on ground up one-to-four unit new construction homes?

My Branch Manager wants me to sign a employment and compensation agreement between me and my mortgage company. Do I need to get a lawyer to review the employment and compensation agreement as well as a team agreement or should I just sign it. My Branch Manager said not to worry about it and just sign it. My manager said that I am too small for my employer to come after me. What do I need to look out for and anything I should focus on? My last Lender said I could not bring my loan officer assistant and processor and if I do I will go to jail and regret it. I did not bring anyone in fear I get sued.

Is it true banks and credit unions have halted granting credit cards, car loans, business loans, consumer loans, mortgage loans, and any type of financing to mortgage loan officers, mortgage brokers, real estate agents, realtor brokers, independent 1099 property management wage earners, contract mortgage processors, appraisers, 1099 wages earners and any independent contractors in the mortgage and real estate industry?

• This discussion was modified 1 year, 4 months ago by  Sapna Sharma.

What type of loans can I qualify during and after Chapter 13 Bankruptcy? How long after a Chapter 13 bankruptcy can I get an FHA loan? How long after Chapter 13 can you get a VA loan? Bankruptcy Waiting Periods For VA Loans Vs. Other Mortgages. Bankruptcy Waiting Periods For FHA Loans Vs. Other Mortgages. How long after Chapter 13 can I get a home equity loan? Lenders generally require a waiting period of between one and five years from discharge or dismissal — and up to seven following foreclosure — before they’ll approve you for a home equity loan. This is because they want to be sure you’ve righted your finances and can manage new debt. What is manual underwriting and how does manual underwriting work?

• This discussion was modified 8 months ago by  Ollie.

It is fact checked that 100% of the dogs are Democrats. Here is a Pulitzur Winning Song about how canines are all Democrats and expect free things in life and do not work for things they need or want. So if you love dogs, you love Democrats:

https://www.youtube.com/watch?v=H3VLqLLWxbQ

If you ever question Nancy Pelosi or the Democrat Elites, you get automatically blacklisted. Democrat politicians cannot think on their own and need party approval. Otherwise you get blacklisted from the Democrat party. This is what happened to Hawaii Democrat Congresswoman Tulsi Gabbard. Democrat party is evil 😈 and demons. Here is proof Democrat party is evil. Tulsi Gabbard and many good Democrats are leaving the Democrat party in droves.

https://youtu.be/HZAP5sKACmQ?si=mSqEqPC0LcVFKn2R

What is the party of Democrat Socialist. What do Democrat Socialist stand for and believe in?

Joe Biden, the President of the United States, had two German Shepherds named Champ and Major. Champ is the older of the two dogs and was with the Biden family before Joe Biden became President. Major is a rescue dog and was adopted by the Bidens in 2018. Please note that there may have been changes or developments since then, so I recommend checking the latest information for updates on the Biden family’s pets.

Do counties in Florida require permits to build an ADU or tiny home in Florida? From what I heard accessory dwelling units and tiny houses can be built on private property as long as they meet the zoning and building codes of the specific local jurisdiction. Some counties and municipalities have specific regulations for tiny houses, including minimum square footage requirements and foundation specifications.

• This discussion was modified 9 months, 2 weeks ago by  Gustan Cho.

I own a property on five acres in Austin and I was thinking of building an accessory building unit on my property to use as an in-law suite or ADU for additional rental income. Can I build a tiny house or ADU on my property in Texas WITHOUT a building permit and a bunch of red tape??

Here are the key differences between hybrid and electric cars:

Power Source:

Hybrid Cars: Hybrids have both an internal combustion engine (usually gasoline) and an electric motor. They can operate on either power source independently or use both simultaneously, depending on driving conditions. The electric motor is typically used at low speeds or during acceleration, while the gasoline engine kicks in at higher speeds.

Electric Cars (EVs): Electric cars are powered solely by an electric motor and rely on electricity stored in a battery for propulsion. They do not have a traditional internal combustion engine and produce zero tailpipe emissions.

Battery Size and Range:

Hybrid Cars: Hybrids have smaller batteries compared to electric cars. These batteries are usually charged through regenerative braking or by the internal combustion engine, and they provide a limited electric-only range. However, hybrids do not need to be plugged in to charge.

Electric Cars (EVs): Electric cars have larger batteries that need to be charged externally, usually by plugging into an electric power source. The size of the battery determines the car’s range on a single charge, which can vary from tens to hundreds of miles depending on the model.

Fuel Efficiency:

Hybrid Cars: Hybrids are designed to improve fuel efficiency by using the electric motor to supplement the gasoline engine, especially in stop-and-go traffic. They achieve better gas mileage compared to traditional gasoline cars, but they still rely on gasoline.

Electric Cars (EVs): Electric cars are highly efficient and have the potential for zero tailpipe emissions, depending on the source of the electricity used for charging. They offer excellent energy efficiency and are considered environmentally friendly if the electricity comes from renewable sources.

Charging Infrastructure:

Hybrid Cars: Hybrids do not require external charging infrastructure since their batteries are charged through the internal combustion engine and regenerative braking. They can be fueled at traditional gas stations.

Electric Cars (EVs): Electric cars need access to charging stations for recharging their batteries. The availability and convenience of charging infrastructure can vary depending on the region, but it is expanding globally.

Environmental Impact:

Hybrid Cars: While hybrids are more fuel-efficient than traditional gasoline cars and produce fewer emissions, they still rely on gasoline and, therefore, contribute to air pollution and carbon emissions.

Electric Cars (EVs): Electric cars produce zero tailpipe emissions, making them environmentally friendly, especially when charged with electricity from renewable sources. However, the overall environmental impact depends on the source of the electricity used for charging.

In summary, hybrid cars combine both internal combustion engines and electric motors, offering improved fuel efficiency but still relying on gasoline. Electric cars, on the other hand, solely rely on electric power and provide the potential for zero emissions, depending on the electricity source.

• This discussion was modified 9 months, 2 weeks ago by  Gustan Cho.

Here are the key differences between hybrid and electric cars:

Power Source:

Hybrid Cars: Hybrids have both an internal combustion engine (usually gasoline) and an electric motor. They can operate on either power source independently or use both simultaneously, depending on driving conditions. The electric motor is typically used at low speeds or during acceleration, while the gasoline engine kicks in at higher speeds.

Electric cars are powered solely by an electric motor and rely on electricity stored in a battery for propulsion. They do not have a traditional internal combustion engine and produce zero tailpipe emissions.

Battery Size and Range:

Hybrid Cars: Hybrids have smaller batteries compared to electric cars. These batteries are usually charged through regenerative braking or by the internal combustion engine, and they provide a limited electric-only range. However, hybrids do not need to be plugged in to charge.

Electric Cars (EVs): Electric cars have larger batteries that need to be charged externally, usually by plugging into an electric power source. The size of the battery determines the car’s range on a single charge, which can vary from tens to hundreds of miles depending on the model.

Fuel Efficiency:

Hybrid Cars: Hybrids are designed to improve fuel efficiency by using the electric motor to supplement the gasoline engine, especially in stop-and-go traffic. They achieve better gas mileage compared to traditional gasoline cars, but they still rely on gasoline.

Electric Cars (EVs): Electric cars are highly efficient and have the potential for zero tailpipe emissions, depending on the source of the electricity used for charging. They offer excellent energy efficiency and are considered environmentally friendly if the electricity comes from renewable sources.

Charging Infrastructure:

Hybrid Cars: Hybrids do not require external charging infrastructure since their batteries are charged through the internal combustion engine and regenerative braking. They can be fueled at traditional gas stations.

Electric Cars (EVs): Electric cars need access to charging stations for recharging their batteries. The availability and convenience of charging infrastructure can vary depending on the region, but it is expanding globally.

Environmental Impact:

Hybrid Cars: While hybrids are more fuel-efficient than traditional gasoline cars and produce fewer emissions, they still rely on gasoline and, therefore, contribute to air pollution and carbon emissions.

Electric Cars (EVs): Electric cars produce zero tailpipe emissions, making them environmentally friendly, especially when charged with electricity from renewable sources. However, the overall environmental impact depends on the source of the electricity used for charging.

In summary, hybrid cars combine both internal combustion engines and electric motors, offering improved fuel efficiency but still relying on gasoline. Electric cars, on the other hand, solely rely on electric power and provide the potential for zero emissions, depending on the electricity source.

Hilarious comedy from Comedian Robin Williams on Donald Trump

https://youtu.be/rTCUl5SKyf8?si=1b2NwAKCe3GHwFMV