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	<title>Great Community Authority Forums | Randy | Activity</title>
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				<title>Randy replied to the discussion Jimmy DeLaFe in the forum Website Developers and Experts</title>
				<link>https://gcaforums.com/topic/jimmy-delafe/#post-36774</link>
				<pubDate>Sun, 10 May 2026 00:32:02 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/jimmy-delafe/#post-36774"><span class="bb-reply-lable">Reply to</span> Jimmy DeLaFe</a></p> <div class="bb-content-inr-wrap"><p>Attached is an extremely comprehensive informative easy to navigate and understand on becoming a brand spanking new NMLS licensed mortgage loan originator. </p>
<p><a href="https://gcaforums.com/career-opportunities-for-new-mlo-without-experience/" rel="nofollow">https://gcaforums.com/career-opportunities-for-new-mlo-without-experience/</a></p>
<div class="bb-link-preview-container"><div class="bb-link-preview-info"><p class="bb-link-preview-link-name">gcaforums.com</p><p class="bb-link-preview-title"><a href="https://gcaforums.com/career-opportunities-for-new-mlo-without-experience/" target="_blank" rel="nofollow">403 - FORBIDDEN</a></p><div class="bb-link-preview-excerpt"><p>403 - FORBIDDEN</p></div></div></div></div>]]></content:encoded>
				
				
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				<title>Randy and DeLeah Townsend are now connected</title>
				<link>https://gcaforums.com/activity/p/28441/</link>
				<pubDate>Sat, 09 May 2026 20:50:50 +0000</pubDate>

				
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				<title>Randy started the discussion GCA Forums For Tuesday April 28 2026 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-for-tuesday-april-28-2026/</link>
				<pubDate>Tue, 28 Apr 2026 18:37:32 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-for-tuesday-april-28-2026/">GCA Forums For Tuesday April 28 2026</a></p> <div class="bb-content-inr-wrap"><p><b><strong>GCA Forums Daily News &#8211; Mortgage Rates, Housing Shock, High Inflation, &amp; Washington Security News</strong></b></p>
<blockquote>
<p>Daily update regarding mortgage rates and news in housing, inflation, job statistics, and Washington security on April 28, 2026.</p>
</blockquote>
<p><b><strong>GCA Forums Daily News &#8211; Mortgage Rates, Housing Shock, High Inflation, &amp; Washington Security News</strong></b><b><strong>Tuesday, April 28,&hellip;</strong></b><span class="activity-read-more" id="activity-read-more-28317"><a href="https://gcaforums.com/topic/gca-forums-for-tuesday-april-28-2026/" rel="nofollow"> Read more</a></span></p>
<iframe title="IRAN WAR: Impact on the Economy and Housing Market" width="640" height="360" src="https://www.youtube.com/embed/3ZKGJOIHetQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy replied to the discussion GCA Forums News For April 26 2026 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-april-26-2026-2/#post-36170</link>
				<pubDate>Mon, 27 Apr 2026 23:27:03 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-april-26-2026-2/#post-36170"><span class="bb-reply-lable">Reply to</span> GCA Forums News For April 26 2026</a></p> <div class="bb-content-inr-wrap"><p>Kash Patel, born on February 25, 1980, has been dating Alexis Wilkins, born on November 3, 1998, since October 2022. They met at an event during the ReAwaken America Tour.</p>
<blockquote>
<p>There is about an 18-year age difference between Kash Patel and Alexis Wilkins. Wilkins is known as a country singer and political commentator.</p>
</blockquote>
<p>Patel is the first person of&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-28316"><a href="https://gcaforums.com/topic/gca-forums-news-for-april-26-2026-2/#post-36170" rel="nofollow"> Read more</a></span></p>
<iframe title="Blumenthal QUESTIONS Kash Patel on Secret White House Orders : YOU LIED" width="640" height="360" src="https://www.youtube.com/embed/t6nUVhkl-P4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy and Dejan Ivanovic are now connected</title>
				<link>https://gcaforums.com/activity/p/28078/</link>
				<pubDate>Mon, 30 Mar 2026 02:22:17 +0000</pubDate>

				
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				<title>Randy replied to the discussion In-House Mortgage Processors vs Contract Processors in the forum Case Scenarios</title>
				<link>https://gcaforums.com/topic/in-house-mortgage-processors-vs-contract-processors/#post-35701</link>
				<pubDate>Thu, 05 Mar 2026 02:01:03 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/in-house-mortgage-processors-vs-contract-processors/#post-35701"><span class="bb-reply-lable">Reply to</span> In-House Mortgage Processors vs Contract Processors</a></p> <div class="bb-content-inr-wrap"><p>What type of mortgage companies use contract mortgage processors versus in-house mortgage processors? I know most independent loan officers at NEXA Lending use third-party mortgage loan processors. SMP, Secured Mortgage Processing, is the processing company many NEXA Lending loan officers use. It is owned and managed by Mike Kortas ex-wife.&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-27890"><a href="https://gcaforums.com/topic/in-house-mortgage-processors-vs-contract-processors/#post-35701" rel="nofollow"> Read more</a></span></p>
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				<title>Randy replied to the discussion Refinancing Current Auto Loan in the forum Auto Financing</title>
				<link>https://gcaforums.com/topic/refinancing-current-auto-loan/#post-35700</link>
				<pubDate>Thu, 05 Mar 2026 01:53:58 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/refinancing-current-auto-loan/#post-35700"><span class="bb-reply-lable">Reply to</span> Refinancing Current Auto Loan</a></p> <div class="bb-content-inr-wrap"><p>Refinancing your auto loan can lead to significant cost savings. While a new loan may extend your repayment period, it will likely lower your monthly payments because of your current high interest rate.</p>
<p><b><strong>Your Current Situation Explained</strong></b></p>
<p>A Ford Explorer Platinum with 58,000 miles is a strong candidate for refinancing. The remaining loan balance&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-27889"><a href="https://gcaforums.com/topic/refinancing-current-auto-loan/#post-35700" rel="nofollow"> Read more</a></span></p>
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				<title>Randy and Taylor Gilmore are now connected</title>
				<link>https://gcaforums.com/activity/p/27880/</link>
				<pubDate>Tue, 03 Mar 2026 00:36:39 +0000</pubDate>

				
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				<title>Randy and Juanita Hawkins are now connected</title>
				<link>https://gcaforums.com/activity/p/27875/</link>
				<pubDate>Sun, 22 Feb 2026 19:46:59 +0000</pubDate>

				
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				<title>Randy started the discussion GCA Forums News For February 20, 2026 in the forum Controversies</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-february-20-2026/</link>
				<pubDate>Sat, 21 Feb 2026 06:39:40 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-february-20-2026/">GCA Forums News For February 20, 2026</a></p> <div class="bb-content-inr-wrap"><p>To pay for bloated social spending—including benefits for illegal immigrants—New York City Mayor Zohran Mamdani is raising property taxes, dipping into the city&#8217;s rainy day fund, tapping pension investments, cutting 5,000 planned NYPD hires, and shifting homeless outreach from police to social workers.</p>
<p>Tell me, again, how this socialist utopia&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-27870"><a href="https://gcaforums.com/topic/gca-forums-news-for-february-20-2026/" rel="nofollow"> Read more</a></span></p>
<iframe title="Brace for Impact, NYC. Zohran Mamdani’s $172B Budget is About to Hit. #shorts #nyc #zohranmamdani" width="540" height="960" src="https://www.youtube.com/embed/DEc10JXKDtM?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy posted a new activity comment</title>
				<link>https://gcaforums.com/activity/p/11105/#acomment-27869</link>
				<pubDate>Sat, 21 Feb 2026 06:26:14 +0000</pubDate>

									<content:encoded><![CDATA[<p>Another bites the dust. Domino&#8217;s Pizza is part of the Cobalt.  Baby eating liberal tinkering with our foods to desolate the World. Too bad. I use to like Domino&#8217;s Pizza &#x1f355; </p>
<p><a target='_blank' href="https://youtube.com/shorts/rooDc3uuWTE?si=aLVI6WllnZAO8qJM" rel="nofollow">https://youtube.com/shorts/rooDc3uuWTE?si=aLVI6WllnZAO8qJM</a></p>
				<strong>In reply to</strong> -
					<a href="https://gcaforums.com/members/cpensacola/" data-bb-hp-profile="993" rel="nofollow">Christy Hembree</a> posted an update <p>They cannot control the astronomical lies rolling out of Joe’s mouth, can they?    It’s truly unbelievable.</p><p>JUST IN: President Biden reveals that he took the train over the [&hellip;]</p>					]]></content:encoded>
				
				
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				<title>Randy replied to the discussion What Type of People Become Cops in the forum Law, Litigation, Legal Matters</title>
				<link>https://gcaforums.com/topic/what-type-of-people-become-cops/#post-34792</link>
				<pubDate>Sat, 31 Jan 2026 19:52:51 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/what-type-of-people-become-cops/#post-34792"><span class="bb-reply-lable">Reply to</span> What Type of People Become Cops</a></p> <div class="bb-content-inr-wrap"><p>We all make mistakes. It’s what makes us human, and allows us to grow, evolve, and become better. But the cops in today&#8217;s video made such huge blunders that they deserve to wear the title of dumbest police officer ever. Members of law enforcement have authority over our well-being, our freedom, and even our lives. So when they make a dumb&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-27661"><a href="https://gcaforums.com/topic/what-type-of-people-become-cops/#post-34792" rel="nofollow"> Read more</a></span></p>
<iframe title="The Dumbest Police Officers Ever" width="640" height="360" src="https://www.youtube.com/embed/Ea1Aj-UmyCk?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy replied to the discussion GCA Forums News For Tuesday December 16 2025 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-tuesday-december-16-2025/#post-34155</link>
				<pubDate>Thu, 22 Jan 2026 17:37:15 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-december-16-2025/#post-34155"><span class="bb-reply-lable">Reply to</span> GCA Forums News For Tuesday December 16 2025</a></p> <div class="bb-content-inr-wrap"><p>A protest outside Trump International Hotel and Tower Chicago is being framed as a moral stand against Chicago’s looming 2026 property-tax hikes. Faith leaders and activists from the West and South Sides point to massive increases in neighborhoods like West Garfield Park, North Lawndale, and Englewood — while Trump Tower’s assessed value was&hellip;<span class="activity-read-more" id="activity-read-more-27395"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-december-16-2025/#post-34155" rel="nofollow"> Read more</a></span></p>
<iframe title="🚨&quot;EVICTING the POOR&quot; - Chicagoans CRUSHED by Johnson&#039;s Property Tax Hikes, Find a Way to Blame Trump" width="640" height="360" src="https://www.youtube.com/embed/LEU4obiIiNU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy replied to the discussion Mortgage Broker vs Direct Lender in the forum Bankers, Lenders and Mortgage Brokers</title>
				<link>https://gcaforums.com/topic/mortgage-broker-vs-direct-lender/#post-34118</link>
				<pubDate>Thu, 22 Jan 2026 08:12:46 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/mortgage-broker-vs-direct-lender/#post-34118"><span class="bb-reply-lable">Reply to</span> Mortgage Broker vs Direct Lender</a></p> <div class="bb-content-inr-wrap"><p>Are you a loan officer considering the leap into starting your own mortgage brokerage? You&#8217;re not alone in wondering why more professionals don&#8217;t take this exciting step. In this video, we tackle the common uncertainties and challenges faced by those looking to establish an independent mortgage brokerage. With insights from industry experts&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-27372"><a href="https://gcaforums.com/topic/mortgage-broker-vs-direct-lender/#post-34118" rel="nofollow"> Read more</a></span></p>
<iframe title="Starting a Mortgage Brokerage: How to Do It Like a Pro | Co/LAB Courses" width="640" height="360" src="https://www.youtube.com/embed/89abku6xIh0?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy started the discussion Tim Waltz in the forum Minnesota</title>
				<link>https://gcaforums.com/topic/tim-waltz/</link>
				<pubDate>Sat, 10 Jan 2026 22:22:40 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/tim-waltz/">Tim Waltz</a></p> <div class="bb-content-inr-wrap"><p>Behind the political smiles and speeches lies a record of questionable ethics and concealed controversy. Minnesota Governor Tim Walz is viewed by some as a progressive leader but others argue he’s mastered the art of political manipulation. From backroom deals to allegations of hypocrisy and misuse of power, the truth behind Walz’s rise&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-27192"><a href="https://gcaforums.com/topic/tim-waltz/" rel="nofollow"> Read more</a></span></p>
<iframe title="Most Corrupt Series: Tim Walz | Stolen Valor" width="640" height="360" src="https://www.youtube.com/embed/u-A56xNpV9w?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy started the discussion Jaguar XK Series XKR Convertible in the forum Car Collection</title>
				<link>https://gcaforums.com/topic/jaguar-xk-series-xkr-convertible/</link>
				<pubDate>Wed, 07 Jan 2026 18:54:20 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/jaguar-xk-series-xkr-convertible/">Jaguar XK Series XKR Convertible</a></p> <div class="bb-content-inr-wrap"><p>I love exotic, sports, and classic cars. Sometimes I watch auto videos on YouTube. One of the cars that intrigued me was the Jaguar XK Series XKR Convertible. On one of the videos I watched, Hoovie&#8217;s Garage, the host says he just purchased a Jaguar XK Series XKR convertible for $6,000. Runs great, looks great, and extremely reasonably priced.&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-27180"><a href="https://gcaforums.com/topic/jaguar-xk-series-xkr-convertible/" rel="nofollow"> Read more</a></span></p>
<iframe title="Declassified: X150 Jaguar XK / XKR (2005 - 2014) - How Expensive Are They To Own?" width="640" height="360" src="https://www.youtube.com/embed/VLpoOBJ_CQU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy replied to the discussion Business Credit in the forum Business Credit Cards</title>
				<link>https://gcaforums.com/topic/business-credit/#post-33694</link>
				<pubDate>Wed, 07 Jan 2026 17:16:16 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/business-credit/#post-33694"><span class="bb-reply-lable">Reply to</span> Business Credit</a></p> <div class="bb-content-inr-wrap"><p>Obtaining a business line of credit without a personal guarantee is possible, but it is typically not straightforward. Lenders often require additional security and offer less favorable terms.</p>
<p><b><strong>Circumstances in Which a Personal Guarantee May Not Be Required</strong></b></p>
<p>Obtaining a business line of credit without a personal guarantee typically requires&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-27179"><a href="https://gcaforums.com/topic/business-credit/#post-33694" rel="nofollow"> Read more</a></span></p>
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				<title>Randy replied to the discussion Business Credit in the forum Business Credit Cards</title>
				<link>https://gcaforums.com/topic/business-credit/#post-33693</link>
				<pubDate>Wed, 07 Jan 2026 17:01:06 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/business-credit/#post-33693"><span class="bb-reply-lable">Reply to</span> Business Credit</a></p> <div class="bb-content-inr-wrap"><p>Now is the perfect time to build strong business credit for your S-Corp, keeping it separate from your personal credit and main brokerage account. As 2026 gets closer, take this chance to set up your business’s financial basics. The step-by-step plan below shows recommended cards and companies that work well for new businesses.</p>
<p><b><strong>Build A Solid&hellip;</strong></b><span class="activity-read-more" id="activity-read-more-27178"><a href="https://gcaforums.com/topic/business-credit/#post-33693" rel="nofollow"> Read more</a></span></p>
<iframe title="How to Set Up an LLC in 2025 From Start to Finish (Step-by-Step Guide!)" width="640" height="360" src="https://www.youtube.com/embed/U6ksPoOHxbY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy replied to the discussion GCA Forums News-Weekend Edition-From December 16 through 28 2025 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-weekend-edition-from-december-16-through-28-2025/#post-33686</link>
				<pubDate>Wed, 07 Jan 2026 14:32:22 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-weekend-edition-from-december-16-through-28-2025/#post-33686"><span class="bb-reply-lable">Reply to</span> GCA Forums News-Weekend Edition-From December 16 through 28 2025</a></p> <div class="bb-content-inr-wrap"><p>No federal agency has approved a $2,000 payment for every taxpayer in 2026. Most of these claims come from misleading sources that misrepresent Trump’s talk of “tariff dividends.”</p>
<p><b><strong>Current Legislative and Policy Status</strong></b></p>
<ul>
<li>The most recent stimulus checks, referred to as “economic impact payments,” were distributed during the 2020-2021&hellip;</li>
</ul>
<p><span class="activity-read-more" id="activity-read-more-27174"><a href="https://gcaforums.com/topic/gca-forums-news-weekend-edition-from-december-16-through-28-2025/#post-33686" rel="nofollow"> Read more</a></span></p>
<iframe title="Trump floats $2,000 payments for Americans from tariff revenues" width="640" height="360" src="https://www.youtube.com/embed/j01X3BLj7CE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy replied to the discussion GCA Forums News For Tuesday January 6 2025 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-tuesday-january-6-2025/#post-33668</link>
				<pubDate>Wed, 07 Jan 2026 13:46:08 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-january-6-2025/#post-33668"><span class="bb-reply-lable">Reply to</span> GCA Forums News For Tuesday January 6 2025</a></p> <div class="bb-content-inr-wrap"><p><b><strong>5:54 PM CST – GCA Forums Live Ticker – Tuesday, January 6, 2026</strong></b></p>
<p><b><strong>5:30 PM – Silver Spikes, Then Corrects</strong></b></p>
<ul>
<li>Silver prices climbed above $76 per ounce early today before falling to the low $70s.</li>
<li>Traders responded to rapid market shifts with profit-taking and loss coverage.</li>
<li>Volatility remains elevated after last week’s brief surge above $82 and&hellip;</li>
</ul>
<p><span class="activity-read-more" id="activity-read-more-27173"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-january-6-2025/#post-33668" rel="nofollow"> Read more</a></span></p>
<iframe title="This country is in &#039;DEEP TROUBLE&#039;: Hannity" width="640" height="360" src="https://www.youtube.com/embed/voUKj7hQZ-Q?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy replied to the discussion FHA LOANS AFTER NATURAL DISASTER in the forum Case Scenarios</title>
				<link>https://gcaforums.com/topic/fha-loans-after-natural-disaster/#post-33657</link>
				<pubDate>Wed, 07 Jan 2026 01:05:26 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/fha-loans-after-natural-disaster/#post-33657"><span class="bb-reply-lable">Reply to</span> FHA LOANS AFTER NATURAL DISASTER</a></p> <div class="bb-content-inr-wrap"><p>In most cases, you do not need to wait a set amount of time after a natural disaster, forbearance, or loan modification. Your ability to get a new mortgage depends on the type of loan you want and your current loan and credit situation.</p>
<p>Learn what lenders focus on and how they review your application, so you can make informed decisions about&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-27168"><a href="https://gcaforums.com/topic/fha-loans-after-natural-disaster/#post-33657" rel="nofollow"> Read more</a></span></p>
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				<title>Randy posted a new activity comment</title>
				<link>https://gcaforums.com/activity/p/27165/#acomment-27167</link>
				<pubDate>Wed, 07 Jan 2026 00:41:05 +0000</pubDate>

									<content:encoded><![CDATA[<p>You are not alone in your frustration. Many homeowners hear about low-rate savings but feel shut out by a system that seems to favor only a select few.<br />
<br />
The traditional mortgage system often leaves many people behind. Banks usually focus on credit scores alone, overlooking the bigger picture. Even if you pay your bills on time, have a steady&hellip;<span class="activity-read-more" id="activity-read-more-27167"><a href="https://gcaforums.com/activity/p/27165/#acomment-27167" rel="nofollow"> Read more</a></span></p>
				<strong>In reply to</strong> -
					<a href="https://gcaforums.com/members/ann/" data-bb-hp-profile="647" rel="nofollow">Anngelli</a> posted an update <p>Refinancing when rates are low can be the difference between barely getting by and saving hundreds per month—but many homeowners get stuck because of credit score requirements or [&hellip;]</p>					]]></content:encoded>
				
				
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				<title>Randy replied to the discussion GCA Forums News: Weekend Edition From December 8 Through December 14 2025 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-weekend-edition-from-december-8-through-december-14-2025/#post-33424</link>
				<pubDate>Mon, 15 Dec 2025 16:35:24 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-weekend-edition-from-december-8-through-december-14-2025/#post-33424"><span class="bb-reply-lable">Reply to</span> GCA Forums News: Weekend Edition From December 8 Through December 14 2025</a></p> <div class="bb-content-inr-wrap"><p>Silver prices per ounce is skyrocketing.  I think it past $64.00 per ounce. What is the cost per ounce of silver for 2026? Seems like its on an aggressive upward move in surpassing $100.00 per ounce</p>
<p> Gold has surpassed $4,300 per ounce. </p>
<p>&#x1f430;</p>
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				<title>Randy replied to the discussion GCA Forums News for Monday November 10 2025 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-monday-november-10-2025/#post-33343</link>
				<pubDate>Tue, 09 Dec 2025 23:21:43 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-monday-november-10-2025/#post-33343"><span class="bb-reply-lable">Reply to</span> GCA Forums News for Monday November 10 2025</a></p> <div class="bb-content-inr-wrap"><p>It is obvious that Erika Kirk is a easy lay and not too loyal to her late husband. There are a lot of controversy and news about Erika Kirk cheating during her marriage to her late husband Charlie Kirk. Without conspiracy theories and drama, what is the fact as of today? Is Vice President JD Vance the father of Erika Vance&#8217;s third child? The&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-26999"><a href="https://gcaforums.com/topic/gca-forums-news-for-monday-november-10-2025/#post-33343" rel="nofollow"> Read more</a></span></p>
<iframe title="ON CAM: JD Vance’s ‘Mushy Hug’ With Erika Kirk SPARKS BUZZ; Vance-Usha Divorce Speculation Explodes" width="640" height="360" src="https://www.youtube.com/embed/u7VzK-ZnmnQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy started the discussion GCA Forums News For Tuesday December 9 2025 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-tuesday-december-9-2025/</link>
				<pubDate>Tue, 09 Dec 2025 17:40:06 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-december-9-2025/">GCA Forums News For Tuesday December 9 2025</a></p> <div class="bb-content-inr-wrap"><p><b>GCA Forums News – Tuesday, December 9, 2025</b></p>
<p>Daily Financial, Housing &amp; Political Report for Homebuyers, Homeowners &amp; Investors</p>
<p>LIVE MARKETS SNAPPED – Tuesday Midday. STOCKS</p>
<p>Late morning Eastern time, Tuesday, December 9, 2025.</p>
<ul>
<li>The DJIA is around 47,800, up about 0.2% (roughly 90 points). </li>
<li>Investors are attempting to time the market as they await&hellip;</li>
</ul>
<p><span class="activity-read-more" id="activity-read-more-26998"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-december-9-2025/" rel="nofollow"> Read more</a></span></p>
<iframe title="Mortgage rates near new 3-year low" width="640" height="360" src="https://www.youtube.com/embed/WUjQjhxTZJk?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy replied to the discussion GCA Forums News For Tuesday December 2 2025 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-tuesday-december-2-2025/#post-33335</link>
				<pubDate>Tue, 09 Dec 2025 00:22:59 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-december-2-2025/#post-33335"><span class="bb-reply-lable">Reply to</span> GCA Forums News For Tuesday December 2 2025</a></p> <div class="bb-content-inr-wrap"><p>I cannot answer your question. The query contains extremely graphic and disturbing allegations of sexual assault and incest. I will not generate content that makes, speculates on, or discusses such claims.</p>
<p>Repeating or analyzing these specific, unverified, and graphic allegations would be irresponsible and harmful. Spreading this kind&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-26997"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-december-2-2025/#post-33335" rel="nofollow"> Read more</a></span></p>
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				<title>Randy replied to the discussion 2025 C8 Corvette Zora in the forum Corvettes</title>
				<link>https://gcaforums.com/topic/2025-c8-corvette-zora/#post-33022</link>
				<pubDate>Sun, 02 Nov 2025 15:58:37 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/2025-c8-corvette-zora/#post-33022"><span class="bb-reply-lable">Reply to</span> 2025 C8 Corvette Zora</a></p> <div class="bb-content-inr-wrap"><p>C8 Corvette prices are down 44k compared their market top and can now be found for 55k. On top of this high depreciation rate, something else happened that makes it even more unattractive to buy a C8. Follow me on Instagram    / fourwheeltrader  ​ </p>
<p>Contact me <a href="mailto:fourwheeltrader@gmail.co" rel="nofollow">fourwheeltrader@gmail.co</a><span>More market analyses Porsche:     • Porsche depreciation a&#8230;  ​&hellip;</span></p>
<p><span class="activity-read-more" id="activity-read-more-26800"><a href="https://gcaforums.com/topic/2025-c8-corvette-zora/#post-33022" rel="nofollow"> Read more</a></span></p>
<iframe title="Warning | Now Is The WORST Moment To Buy a Corvette" width="640" height="360" src="https://www.youtube.com/embed/2XYXP0BrIco?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy started the discussion GCA Forums News for Wednesday, June 25 2025 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-wednesday-june-25-2025/</link>
				<pubDate>Wed, 25 Jun 2025 19:10:35 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-wednesday-june-25-2025/">GCA Forums News for Wednesday, June 25 2025</a></p> <div class="bb-content-inr-wrap"><p>Headline Daily News for Wednesday, June 25, 2025. Can you please cover what is the latest update of Trump&#8217;s ceasefire with Iran and Israel and after the announcement, Israel bombs the shit out of Iran making President Donald Trump look stupid. What is wrong with Israeli Prime Minister Benjamin Netanyahu? Alex Carlucci, an associate&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-24663"><a href="https://gcaforums.com/topic/gca-forums-news-for-wednesday-june-25-2025/" rel="nofollow"> Read more</a></span></p>
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				<title>Randy posted a new activity comment</title>
				<link>https://gcaforums.com/activity/p/24651/#acomment-24652</link>
				<pubDate>Wed, 25 Jun 2025 00:02:30 +0000</pubDate>

									<content:encoded><![CDATA[<p>Trooper Richard Cilletti and Master Sergeant Christine McDowell were immediately pulled from the road.<br />
Rumors say a pink slip will soon follow. The quick action came after their traffic stop collided head-on with Governor JB Pritzker&#8217;s pledge to keep Illinois a sanctuary state.<br />
Employment Status with Illinois State Police<br />
Relief from Duties:&hellip;<span class="activity-read-more" id="activity-read-more-24652"><a href="https://gcaforums.com/activity/p/24651/#acomment-24652" rel="nofollow"> Read more</a></span></p>
				<strong>In reply to</strong> -
					<a href="https://gcaforums.com/members/hunter/" data-bb-hp-profile="752" rel="nofollow">Hunter</a> posted an update Case Scenario of Illinois State Police Trooper Richard Cilletti of District 2 Illinois Department of State Police in Elgin stopping Antonio Munoz on Interstate Highway 90 .0250 [&hellip;]					]]></content:encoded>
				
				
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				<title>Randy replied to the discussion GCA Forums News for Tuesday, June 24 2025 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-tuesday-june-24-2025/#post-29505</link>
				<pubDate>Tue, 24 Jun 2025 22:46:21 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-june-24-2025/#post-29505"><span class="bb-reply-lable">Reply to</span> GCA Forums News for Tuesday, June 24 2025</a></p> <div class="bb-content-inr-wrap"><p><b>&#8220;Chicago&#8217;s Johnson Asked: &#8216;When Are You Going To Stop Spending&#8230;Tax Dollars On Protecting Migrants?&#8221;</b></p>
<p><span>A recent question aired on YouTube by Forbes Breaking News- When will you stop spending tax dollars protecting migrants?-has landed squarely in Mayor Brandon Johnson&#8217;s inbox and stomach. The query mirrors a sharp spike in public worry. Since&hellip;</span></p>
<p><span class="activity-read-more" id="activity-read-more-24650"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-june-24-2025/#post-29505" rel="nofollow"> Read more</a></span></p>
<iframe title="Chicago&#039;s Johnson Asked: &#039;When Are You Going To Stop Spending...Tax Dollars On Protecting Migrants?&#039;" width="640" height="360" src="https://www.youtube.com/embed/KvsteRvRQa8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy replied to the discussion GCA Forums News for Tuesday, June 24 2025 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-tuesday-june-24-2025/#post-29504</link>
				<pubDate>Tue, 24 Jun 2025 22:36:21 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-june-24-2025/#post-29504"><span class="bb-reply-lable">Reply to</span> GCA Forums News for Tuesday, June 24 2025</a></p> <div class="bb-content-inr-wrap"><p>Many people say the working class came out ahead during Trump&#8217;s presidency, and a recent Fox Business clip on YouTube still pushes that story. </p>
<ul>
<li>Quick posts on GCA Forums and press releases from the White House discuss fatter paychecks, surging job totals, and shiny new tax breaks. </li>
</ul>
<p><b><strong>Take May 2025</strong></b></p>
<ul>
<li>Private companies kept hiring even when the&hellip;</li>
</ul>
<p><span class="activity-read-more" id="activity-read-more-24649"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-june-24-2025/#post-29504" rel="nofollow"> Read more</a></span></p>
<iframe title="&#039;BOOM&#039;: Working-class reaping major benefits under Trump&#039;s economy" width="640" height="360" src="https://www.youtube.com/embed/Vaf7VabBWZo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy posted a new activity comment</title>
				<link>https://gcaforums.com/activity/p/24639/#acomment-24648</link>
				<pubDate>Tue, 24 Jun 2025 22:25:33 +0000</pubDate>

									<content:encoded><![CDATA[<p>Over on YouTube, commentator Jayar Jackson just dropped a rundown on the latest flare-up between Israel and Iran. As he explains, former President Trump insists that he brokered a ceasefire, yet posts on GCA Forums that the story is coming apart almost by the minute.<br />
People on the GCA Forums News are split. Some are laughing off the idea of&hellip;<span class="activity-read-more" id="activity-read-more-24648"><a href="https://gcaforums.com/activity/p/24639/#acomment-24648" rel="nofollow"> Read more</a></span></p>
				<strong>In reply to</strong> -
					<a href="https://gcaforums.com/members/max2ns/" data-bb-hp-profile="632" rel="nofollow">Max</a> posted an update Trump spirals after Israel bombs Iran right after his so-called “ceasefire”—now his GOP loyalists like Mike Johnson and Ted Cruz are scrambling to spin the disaster as “peace,” while [&hellip;]					]]></content:encoded>
				
				
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				<title>Randy replied to the discussion GCA Forums News for Tuesday, June 24 2025 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-tuesday-june-24-2025/#post-29503</link>
				<pubDate>Tue, 24 Jun 2025 22:16:57 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-june-24-2025/#post-29503"><span class="bb-reply-lable">Reply to</span> GCA Forums News for Tuesday, June 24 2025</a></p> <div class="bb-content-inr-wrap"><p>Big headlines never travel alone, and the latest buzz about foreign policy and economics already feels like it has its fingerprints on the Golden State&#8217;s housing scene. Realtors, mortgage brokers, and anyone paying the rent should stay tuned. </p>
<p><b><strong>High Court on Deportation: A Moment to Watch</strong></b></p>
<ul>
<li>On June 23, 2025, the U.S. Supreme Court handed the&hellip;</li>
</ul>
<p><span class="activity-read-more" id="activity-read-more-24647"><a href="https://gcaforums.com/topic/gca-forums-news-for-tuesday-june-24-2025/#post-29503" rel="nofollow"> Read more</a></span></p>
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				<title>Randy replied to the discussion FHA Loan For a Co-Borrower with a A-10 Work Permit in the forum FHA Loans</title>
				<link>https://gcaforums.com/topic/fha-loan-for-a-co-borrower-with-a-a-10-work-permit/#post-29502</link>
				<pubDate>Tue, 24 Jun 2025 21:06:25 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/fha-loan-for-a-co-borrower-with-a-a-10-work-permit/#post-29502"><span class="bb-reply-lable">Reply to</span> FHA Loan For a Co-Borrower with a A-10 Work Permit</a></p> <div class="bb-content-inr-wrap"><p>Many people confuse agency-backed mortgages with FHA loans. Fannie Mae—and Freddie Mac-dominated deals don&#8217;t work the same way, so let&#8217;s run through the permanent resident plus A-10 spouse scenario. </p>
<p><b><strong>Who Can Borrow? </strong></b></p>
<p>The green card holder steps right onto the application without a hitch. The husband or wife carrying the A-10 work permit can tag&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-24646"><a href="https://gcaforums.com/topic/fha-loan-for-a-co-borrower-with-a-a-10-work-permit/#post-29502" rel="nofollow"> Read more</a></span></p>
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				<title>Randy replied to the discussion FHA Loan For a Co-Borrower with a A-10 Work Permit in the forum FHA Loans</title>
				<link>https://gcaforums.com/topic/fha-loan-for-a-co-borrower-with-a-a-10-work-permit/#post-29500</link>
				<pubDate>Tue, 24 Jun 2025 20:59:59 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/fha-loan-for-a-co-borrower-with-a-a-10-work-permit/#post-29500"><span class="bb-reply-lable">Reply to</span> FHA Loan For a Co-Borrower with a A-10 Work Permit</a></p> <div class="bb-content-inr-wrap"><p><b><strong>FHA Loan Eligibility Change (Takes Effect May 25, 2025)</strong></b></p>
<ul>
<li>This is big news for anyone eyeing an FHA loan.</li>
<li>HUD just rolled out a policy tweak that kicks in on May 25, 2025. </li>
<li>Keep reading for the straight facts.</li>
</ul>
<p><b><strong>New Rule</strong></b></p>
<ul>
<li>Starting on the effective date, non-permanent residents will no longer qualify for FHA-backed mortgages. </li>
<li>People with DACA, temporary&hellip;</li>
</ul>
<p><span class="activity-read-more" id="activity-read-more-24644"><a href="https://gcaforums.com/topic/fha-loan-for-a-co-borrower-with-a-a-10-work-permit/#post-29500" rel="nofollow"> Read more</a></span></p>
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				<title>Randy replied to the discussion GCA Forums News for Friday, June 20, 2025 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-friday-june-20-2025/#post-29360</link>
				<pubDate>Fri, 20 Jun 2025 16:08:25 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-friday-june-20-2025/#post-29360"><span class="bb-reply-lable">Reply to</span> GCA Forums News for Friday, June 20, 2025</a></p> <div class="bb-content-inr-wrap"><p><b><strong>GCA Forums News &#8211; Friday, June 20, 2025</strong></b><b><strong>Fed Keeps Rates Unchanged: What It Means for Weekend Home Hunters</strong></b></p>
<p>At its June 17-18 meeting, the Federal Open Market Committee again parked its benchmark rate at 4.25-4.5 percent. That marks the fourth straight month of holding still, and the board sounded like it isn&#8217;t ready to budge.</p>
<p>Mortgage pros say&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-24551"><a href="https://gcaforums.com/topic/gca-forums-news-for-friday-june-20-2025/#post-29360" rel="nofollow"> Read more</a></span></p>
<iframe title="Federal Reserve Interest Rate Decision June 2025: What to Expect" width="640" height="360" src="https://www.youtube.com/embed/_XM72iFEbJ0?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy started the discussion Breeding German Shepherd Dogs in the forum Headline News</title>
				<link>https://gcaforums.com/topic/breeding-german-shepherd-dogs/</link>
				<pubDate>Tue, 10 Jun 2025 12:03:53 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/breeding-german-shepherd-dogs/">Breeding German Shepherd Dogs</a></p> <div class="bb-content-inr-wrap"><p>If I have a purebred German Shepherd female dog and want to breed her, where would I look for a male purebred German Shepherd to become her mate? How does the owner of the male German Shepherd stud get compensated? Is it a set sum paid initially, or is it one or more pups the female gives birth to? I am new to this, so can you please review&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-24341"><a href="https://gcaforums.com/topic/breeding-german-shepherd-dogs/" rel="nofollow"> Read more</a></span></p>
<iframe title="German shepherd Giving birth to 9 puppies -  (First Litter)" width="640" height="360" src="https://www.youtube.com/embed/2SspHJ-xOdI?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy replied to the discussion GCA Forums News for Wednesday April 16 2025 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-wednesday-april-16-2025/#post-27884</link>
				<pubDate>Wed, 23 Apr 2025 18:43:46 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-wednesday-april-16-2025/#post-27884"><span class="bb-reply-lable">Reply to</span> GCA Forums News for Wednesday April 16 2025</a></p> <div class="bb-content-inr-wrap"><p>Can you please write a comprehensive overview biography on U.S. District Judge James Boasberg, how old he is, his childhood, his first date, schools attended, his career, his marriage and family, and why he thinks he is above the President of the United States and why he thinks he is a national figure and the way how he became arrogant and made&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-23772"><a href="https://gcaforums.com/topic/gca-forums-news-for-wednesday-april-16-2025/#post-27884" rel="nofollow"> Read more</a></span></p>
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				<title>Randy posted a new activity comment</title>
				<link>https://gcaforums.com/activity/p/23762/#acomment-23771</link>
				<pubDate>Wed, 23 Apr 2025 18:34:13 +0000</pubDate>

									<content:encoded><![CDATA[<p>If the IRS assigns a revenue officer, or RO, to your case, you can say that your tax issue has reached an especially complicated level of crisis. Revenue officers, also known as ROs, are field agents who specialize in serious tax problems in cases of large debt, chronic non-compliance, or suspected concealed income and assets. They assist&hellip;<span class="activity-read-more" id="activity-read-more-23771"><a href="https://gcaforums.com/activity/p/23762/#acomment-23771" rel="nofollow"> Read more</a></span></p>
				<strong>In reply to</strong> -
					<a href="https://gcaforums.com/members/videopete59/" data-bb-hp-profile="1156" rel="nofollow">Peter Kici EA</a> posted an update <p>What to Expect If the IRS Places Your Case in the Hands of a Revenue Officer.</p><p>If the IRS assigns your case to a <strong>Revenue Officer</strong>, you’re entering a structured process aimed at [&hellip;]</p>					]]></content:encoded>
				
				
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				<title>Randy posted a new activity comment</title>
				<link>https://gcaforums.com/activity/p/23761/#acomment-23770</link>
				<pubDate>Wed, 23 Apr 2025 18:27:05 +0000</pubDate>

									<content:encoded><![CDATA[<p>Great topic. Very informative. Resolving IRS tax debt can be overwhelming; however, there are ways you can manage or lower your debt. Below is a summary of the major tax debt resolution methods, their advantages and disadvantages, and important factors that can help you make productive decisions.  These are based on common IRS programs and&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-23770"><a href="https://gcaforums.com/activity/p/23761/#acomment-23770" rel="nofollow"> Read more</a></span></p>
				<strong>In reply to</strong> -
					<a href="https://gcaforums.com/members/videopete59/" data-bb-hp-profile="1156" rel="nofollow">Peter Kici EA</a> posted an update <p><b>Options for IRS Tax Debt Resolution.</b></p><p>Did you know nearly 14 million Americans owe <strong>back taxes</strong> to the IRS? If you&#8217;re among them, you might feel overwhelmed, but there are [&hellip;]</p>					]]></content:encoded>
				
				
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				<title>Randy posted a new activity comment</title>
				<link>https://gcaforums.com/activity/p/23760/#acomment-23768</link>
				<pubDate>Wed, 23 Apr 2025 17:46:59 +0000</pubDate>

									<content:encoded><![CDATA[<p>Great topic.</p>
				<strong>In reply to</strong> -
					<a href="https://gcaforums.com/members/ann/" data-bb-hp-profile="647" rel="nofollow">Anngelli</a> posted an update <p><a target='_blank' href="https://youtu.be/pYyJoHM_k40" rel="nofollow">https://youtu.be/pYyJoHM_k40</a></p>					]]></content:encoded>
				
				
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				<title>Randy started the discussion GCA Forums News for Wednesday April 23 2025 in the forum Headline News</title>
				<link>https://gcaforums.com/topic/gca-forums-news-for-wednesday-april-23-2025/</link>
				<pubDate>Wed, 23 Apr 2025 17:35:22 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/gca-forums-news-for-wednesday-april-23-2025/">GCA Forums News for Wednesday April 23 2025</a></p> <div class="bb-content-inr-wrap"><p>GCA Forums News: National Headline Overview &#8211; Wednesday 23 April, 2025</p>
<p>Stock Market Surge: Dow Jones and Beyond</p>
<p>On 23 April 2025, the stock market&#8217;s ‘cheer’ was captured by the Dow Jones, which had grown more than 600 points, and other markets, including the S&amp;P 500 and the Nasdaq, followed suit. With strapping corporate earnings, boosted&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-23767"><a href="https://gcaforums.com/topic/gca-forums-news-for-wednesday-april-23-2025/" rel="nofollow"> Read more</a></span></p>
<iframe title="Pam Bondi Makes Stark Accusation Against Biden-Era DOJ That It &#039;Abused And Targeted Christians&#039;" width="640" height="360" src="https://www.youtube.com/embed/FPoCBqCJCzE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe></div>]]></content:encoded>
				
				
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				<title>Randy replied to the discussion Angus T. Jones in the forum Biography</title>
				<link>https://gcaforums.com/topic/angus-t-jones/#post-27757</link>
				<pubDate>Tue, 22 Apr 2025 16:38:05 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/angus-t-jones/#post-27757"><span class="bb-reply-lable">Reply to</span> Angus T. Jones</a></p> <div class="bb-content-inr-wrap"><p>I understand you were a fan of Two and a Half Men—binge-watching the entire DVD series is certainly some commitment! Your concerns regarding the aftermath of Angus T. Jones&#8217;s depiction of Jake Harper from Two and a Half Men and the psychological implications for him are very relevant, considering the show&#8217;s adult content and his young age during&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-23758"><a href="https://gcaforums.com/topic/angus-t-jones/#post-27757" rel="nofollow"> Read more</a></span></p>
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				<title>Randy replied to the discussion FHA Loans For Self-Employed in the forum FHA Loans</title>
				<link>https://gcaforums.com/topic/fha-loans-for-self-employed/#post-22906</link>
				<pubDate>Mon, 18 Nov 2024 03:28:58 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/fha-loans-for-self-employed/#post-22906"><span class="bb-reply-lable">Reply to</span> FHA Loans For Self-Employed</a></p> <div class="bb-content-inr-wrap"><p><strong>Application of FHA Loan as a Self-Employed Borrower</strong></p>
<p>When applying for an FHA loan, there are bonuses to consider, especially as a self-employed borrower under the state of stricter policies after the COVID-19 pandemic. Here are some suggestions one should keep in mind before applying for a loan:</p>
<p><strong>Credit Score or a FICO score</strong></p>
<p><strong>630 Average FICO Score:&hellip;</strong></p>
<p><span class="activity-read-more" id="activity-read-more-20380"><a href="https://gcaforums.com/topic/fha-loans-for-self-employed/#post-22906" rel="nofollow"> Read more</a></span></p>
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				<title>Randy replied to the discussion Qualifying For Mortgage With Charge Off With Balances in the forum FHA Loans</title>
				<link>https://gcaforums.com/topic/qualifying-for-mortgage-with-charge-off-with-balances/#post-22900</link>
				<pubDate>Mon, 18 Nov 2024 02:35:53 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/qualifying-for-mortgage-with-charge-off-with-balances/#post-22900"><span class="bb-reply-lable">Reply to</span> Qualifying For Mortgage With Charge Off With Balances</a></p> <div class="bb-content-inr-wrap"><p>Qualifying for a mortgage with multiple charge-off accounts can be challenging, but it is not impossible. Here are key factors to consider and steps you can take to improve your chances:</p>
<p>1. Understanding Charge-Offs</p>
<p>What is a Charge-Off?: A charge-off occurs when a creditor deems a debt uncollectible after a period of non-payment (usually 180&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-20374"><a href="https://gcaforums.com/topic/qualifying-for-mortgage-with-charge-off-with-balances/#post-22900" rel="nofollow"> Read more</a></span></p>
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				<title>Randy replied to the discussion Should I close out aged credit card accounts in the forum Credit Forum</title>
				<link>https://gcaforums.com/topic/should-i-close-out-aged-credit-card-accounts/#post-22892</link>
				<pubDate>Mon, 18 Nov 2024 01:17:02 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/should-i-close-out-aged-credit-card-accounts/#post-22892"><span class="bb-reply-lable">Reply to</span> Should I close out aged credit card accounts</a></p> <div class="bb-content-inr-wrap"><p>Closing out aged credit card accounts can positively and negatively impact your credit score and overall financial health. Here are some factors to consider before making a decision:</p>
<p><strong>Pros of Keeping Aged Credit Card Accounts</strong></p>
<p><strong>Credit History Length:</strong></p>
<p><strong>Impact on Score:</strong> Credit scoring models generally view longer credit histories favorably. Closing&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-20364"><a href="https://gcaforums.com/topic/should-i-close-out-aged-credit-card-accounts/#post-22892" rel="nofollow"> Read more</a></span></p>
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				<title>Randy replied to the discussion FHA Loans With Large Student Loans in the forum FHA Loans</title>
				<link>https://gcaforums.com/topic/fha-loans-with-large-student-loans/#post-22891</link>
				<pubDate>Mon, 18 Nov 2024 01:11:13 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/fha-loans-with-large-student-loans/#post-22891"><span class="bb-reply-lable">Reply to</span> FHA Loans With Large Student Loans</a></p> <div class="bb-content-inr-wrap"><p>Here&#8217;s a comprehensive overview that would assist you in purchasing a house with an FHA loan while ensuring student loans are manageable.</p>
<p>FHA Loan Buying Pros and Cons</p>
<p>Debt-to-Income Ratio (DTI)</p>
<p><strong>Standard DTI Limits:</strong> It should also be noted that all FHA lenders are not the same, and there are variations. The FHA will allow a DTI ratio of not more&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-20363"><a href="https://gcaforums.com/topic/fha-loans-with-large-student-loans/#post-22891" rel="nofollow"> Read more</a></span></p>
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				<title>Randy replied to the discussion Chapter 13 Cash-Out Refinance Buyout on FHA Loans in the forum Mortgage During and After Chapter 13 Bankruptcy</title>
				<link>https://gcaforums.com/topic/chapter-13-cash-out-refinance-buyout-on-fha-loans/#post-22890</link>
				<pubDate>Mon, 18 Nov 2024 01:02:26 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/chapter-13-cash-out-refinance-buyout-on-fha-loans/#post-22890"><span class="bb-reply-lable">Reply to</span> Chapter 13 Cash-Out Refinance Buyout on FHA Loans</a></p> <div class="bb-content-inr-wrap"><p>My ability to obtain a residual debt FHA loan may be restricted in some cases as I file for a voluntary discharge against a Chapter 13 bankruptcy. A few things should be ironed out first:</p>
<p><strong>Chapter 13 Bankruptcy Explanation</strong></p>
<p>Chapter 13 is Quite Simple. In short, this type of bankruptcy focuses on restructuring all debts and introducing debt&hellip;</p>
<p><span class="activity-read-more" id="activity-read-more-20362"><a href="https://gcaforums.com/topic/chapter-13-cash-out-refinance-buyout-on-fha-loans/#post-22890" rel="nofollow"> Read more</a></span></p>
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				<title>Randy replied to the discussion What is Affiliate Marketing in the forum Digital Small Business Owners</title>
				<link>https://gcaforums.com/topic/what-is-affiliate-marketing/#post-22690</link>
				<pubDate>Tue, 12 Nov 2024 04:12:51 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/what-is-affiliate-marketing/#post-22690"><span class="bb-reply-lable">Reply to</span> What is Affiliate Marketing</a></p> <div class="bb-content-inr-wrap"><p>Which of these niches is easiest to start with for beginners?</p>
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				<title>Randy replied to the discussion What is Affiliate Marketing in the forum Digital Small Business Owners</title>
				<link>https://gcaforums.com/topic/what-is-affiliate-marketing/#post-22688</link>
				<pubDate>Tue, 12 Nov 2024 04:02:34 +0000</pubDate>

									<content:encoded><![CDATA[<p class = "activity-discussion-title-wrap"><a href="https://gcaforums.com/topic/what-is-affiliate-marketing/#post-22688"><span class="bb-reply-lable">Reply to</span> What is Affiliate Marketing</a></p> <div class="bb-content-inr-wrap"><p>What are some examples of successful affiliate marketing niches?</p>
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