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When you are accumulating Silver for future value (or what they call stacking) never buy collectable or numismatic coins as their value is always subjective due to the grade of the coin, where as 1 oz of Silver is always worth spot price get it. I have some numismatic coins most were my Pops but I never include them in my stack which is just bullion.
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Silver price per ounce may exceed $100 per ounce by the morning 🌄
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Good evening folks!!!! Silver is on fire. Pennies away from $100 per ounce. Unbelievable. I purchased about 500 ounces of silver bars (100 ounce silver bars and a handful of silver rounds) when Mr. Gustan Cho advised all our staff at Gustan Cho Associates at an average price of $32,00 per ounce. After I purchased it, price of silver plummeted to $21.00 an ounce and today its $98,00 and change. I am a firm believer that silver price per ounce will definitely exceed $1,000 per ounce.
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Silver per ounce skyrocketed over $83.00 plus per ounce this morning. However, price of silver closed lower today at $71.00 per ounce. Large banks are panicking due to the large silver short position. Two large banks have gone under due to their short position. No doubt silver price per ounce will surpass $100 per ounce by years end which is in just a few days.
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A public debate has emerged regarding Pastor Rob McCoy’s statements about his son Mikey’s actions during the assassination of Charlie Kirk. The controversy centers on a significant discrepancy between McCoy’s account and the available video evidence.
In a widely circulated speech, Pastor Rob McCoy stated that immediately after Charlie Kirk was shot, his son Mikey called him, remained calm, and was covered in Kirk’s blood while assisting. He said, The minute Charlie was shot, he [Mikey McCoy] called me and said, ‘Dad, Charlie’s been shot in the neck, please call every pastor and pray. He had his wits about him.’
However, the video footage presents a different account. Mikey McCoy, Kirk’s chief of staff, is seen calmly walking away from the scene with his phone. Observers, including Candace Owens, noted his clean white shirt and apparent lack of urgency, leading to claims that Pastor McCoy exaggerated the events to portray his son as a hero.
Andrew Kolvet, a spokesperson for Turning Point USA, defended Mikey McCoy. He described the criticism as an “extremely disgusting attack” and stated that Mikey was following Charlie Kirk’s instructions to contact his wife, Erika, and then his father in an emergency. Kolvet also noted that Mikey was already using his phone to record social media content for Pastor Rob McCoy when the shooting occurred. Rob McCoy is under public scrutiny, and people are calling for accountability, but there have been no official consequences. Commentators like Candace Owens have called his statements “lies.” Owens said the claim that Mikey McCoy had “blood all over him” was the first of several alleged falsehoods linked to Turning Point USA. She also said calling Mikey a “hero” was another allegation. The controversy has spread across media outlets, prompting debate and speculation online. The significant gap between Pastor McCoy’s statements and the video evidence has led many to question the official narrative from Turning Point USA.
In summary, Pastor Rob McCoy faces ongoing public scrutiny, with prominent individuals and media outlets accusing him of dishonesty. The contrast between his account and the video evidence continues to drive these claims, though no official, legal, or church action has been taken.
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Pastor Rob McCoy is the scum of the Earth and is a proven lying piece of shit. Pastor Rob McCoy has lied on National Media Network about his gay son Mikey McCoy being a hero and a great leader by directing the crowd when his boss Charlie Kirk got assassinated when in fact Mikey McCoy ran from the scene like a coward. Is Lying Rob McCoy going to be taken accountable of his lying actions? This piece of shit Rob McCoy is a serial liar.
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Based on the available information from fact-checks and public statements, here are the facts regarding the rumors about Erika Kirk.
Is Erika Kirk Currently Pregnant?
No, Erika Kirk is not currently pregnant. The claim that she is eight weeks pregnant is false. In a recent interview on “The Megyn Kelly Show,” Erika Kirk directly addressed the rumors and confirmed she was not pregnant. She did, however, state that she and her late husband, Charlie Kirk, wanted to have four children together and that she had been “praying” she was pregnant at the time of his death. This personal expression of grief and hope was subsequently twisted by online rumors to falsely claim she was announcing a current pregnancy.
Is JD Vance the Father of a Child Erika Kirk is Carrying?
No, there is no credible evidence to support this claim. The rumor that Vice President JD Vance is the father of a child Erika Kirk is carrying is baseless and stems from the same false pregnancy claims. Fact-checking organizations have found “no credible evidence” to support allegations of an affair between Erika Kirk and JD Vance, and these claims have been flagged as unsubstantiated. The speculation appears to have been fueled by a public hug between the two at a Turning Point USA event, which was interpreted out of context and combined with the false pregnancy narrative.
What Are the Verified Facts?
Family: Erika Kirk and her late husband, Charlie Kirk, have two children together: a daughter born in August 2022 and a son born in May.
Public Statements: Erika Kirk has publicly spoken about her grief, her desire to have had more children with Charlie, and her hope that she was pregnant when he was killed.
Rumor Origin: The specific claim that she was “eight weeks pregnant” originated on social media and was spread without any factual basis, often by linking it to the timeline of Charlie Kirk’s death.
Fact-Checks: Multiple independent fact-checking organizations have investigated the rumors surrounding her personal life, including the pregnancy and affair allegations, and have concluded they are unsubstantiated or false.
In summary, the claims that Erika Kirk is pregnant and that Vice President JD Vance is the father are not supported by any facts. They are part of a wave of unsubstantiated rumors and conspiracy theories that have circulated online following the death of her husband.
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FHA Loan Late Payment Guidelines: What Borrowers Need to Know in 2025
Life happens, and one missed bill can ruin your mortgage dreams. If a random curveball sent a payment drifting past last year’s due date, you might now be anxious about landing that FHA loan. You’re not alone, and the good news is that a single tardy payment usually isn’t a deal-breaker. FHA rules acknowledge that most borrowers aren’t perfect, so they give a little wiggle room for small credit bumps.
At Gustan Cho Associates, we watch worried applicants turn panic into approval almost daily. Let’s break down the current guidelines, your backup moves, and the easy next steps you can take right now.
What Does FHA Consider a Major Late Payment?
FHA Memo HUD 4000.1 outlines exactly which credit messes it calls major derogatory events, and they aren’t too long.
Here’s the quick rundown:
- One payment that slipped over 90 days late.
- Three or more payments landed at least 60 days late in the past year.
- Once an underwriter sees either issue, your file is sent for manual review instead of the usual quick pass.
- That sounds scary, but flimsy paperwork doesn’t mean automatic denial.
What Is the FHA 12-Month Rule?
- Thanks to the 12-Month Rule, late payment within the last year will push your application into “refer” status.
- That means a real person, not a machine, will take a closer look.
- The human underwriter can still say yes if the rest of your file looks strong.
Can You Still Get an FHA Loan With Late Credit Card Payments?
- Sure, you can.
- A couple of 30-day lates on a credit card won’t sink your FHA loan.
- What matters is the full picture, steady rent history, regular paychecks, and good mortgage habits often pull your score back up.
Manual Underwriting: A Path Forward
When lenders use manual underwriting, they give old lates a fairer shake.
Here’s what they check:
- At least two years on the same job and/or field or a related field.
- On-time rent or bill payments for the last twelve months.
- Low debt-to-income ratio (DTI).
- Extras like small emergency savings or side income.
- Meet most of these, and those past slip-ups stop being fatal.
What Happens to Collections and Charge-Offs?
If you’re applying for an FHA loan, HUD treats collections and charge-offs a little differently:
- Medical collections are ignored when HUD reviews your file.
- Non-medical collections still get a peek, but clearing every last one isn’t always a deal-killer.
- Charge-offs on your credit report often won’t block the approval either.
- If your lender chooses to do so, they can look closely at manual underwriting.
Can You Get an FHA Loan During Chapter 13 Bankruptcy?
You sure can. FHA guidelines let you close on a new home loan while you’re in a Chapter 13 repayment plan, as long as you:
- Keep making your trustee payments on time for at least 12 months.
- Ask the court in writing and get permission to take on the new debt.
- Slide through manual underwriting instead of the faster automated route.
- If your plan is up to date, the team at Gustan Cho Associates is ready to help you.
Why On-Time Housing Payments Matter Most
- Your history of paying rent or your current mortgage looms large in any manual review.
- Nail 12 months of perfect payments, and older ding on credit cards can almost be ignored.
FHA vs. Conventional Loans After Late Payments
- FHA loans usually glance past older credit bumps and give applicants a friendlier look.
- Conventional loans still demand a higher score and far fewer fresh slips.
- Because of this, buyers with rocky records often pick FHA as the smoother path to homeownership.
Frequently Asked Questions (FAQ)
Can I get an FHA loan if I had a late payment recently?
- Yep, as long as the rest of your credit track and on-time bills look solid.
- It might shift your file to manual underwriting.
What is considered a major derogatory credit issue
- Anything more than 90 days late, or three 60-day lates in a year, counts as major.
Will I be denied for one late payment?
- A single slip usually won’t sink your FHA loan application.
What happens if I have a late payment during Chapter 13?
You still need 24 months of on-time trustee payments to stay eligible.
Are medical collections treated the same as late payments?
- Not really. HUD often overlooks medical collections and ignores them completely on FHA loans.
Do I need to pay off collections to qualify?
- Not every lender will insist that you wipe out all collections first.
- Medical bills usually get a pass, while non-medical ones may still matter.
What is manual underwriting?
- Manual underwriting is when a real person, rather than a computer, reviews your loan application.
- That closer look can help borrowers with bumpy credit histories get approved.
Can I get an FHA loan with recent late payments from my credit card?
- Yes, recent late payments aren’t a deal-breaker if the rest of your file meets HUD guidelines and rules on FHA loans and the underwriter is satisfied.
Does HUD care more about rent or credit card payments?
- HUD cares most about how you have paid your housing bills.
- A strong rent history can boost your chances even if other payments were shaky.
Who can help me get approved if I have late payments?
- Gustan Cho Associates knows every angle of manual underwriting and often guides buyers with recent late marks or steady lower scores.
Stop Worrying About Old Late Bills
- A few missed payments feel huge when you dream of owning a home, right?
- Breathe easy.
- Those hiccups won’t kill an FHA loan if you partner with a lender who lives the program.
- At Gustan Cho Associates, our team has your back and keeps moving the spotlight from problems to your new front door.
Would your situation work?
- Call 800-900-8569 or visit Gustan Cho Associates (https://gustancho.com) now for a fast, no-pressure pre-approval!
- Please visit our online community.
- Register and become a member.
Members have access to thousands if not tens of thousands of blogs, guides, posts, threads, and user-friendly too as such as the Best Mortgage Calculator, the latest updated FHA and conventional loan limits, easy to read pages, guides, articles, and blogs written by actual practicing licensed mortgage loan originators, licensed real estate agents, attorneys, general and subcontractors, economists, and experienced professional experts in their fields.
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BREAKING: US Bombs 3 Iranian Nuclear Bases, Puts Weight Behind Israel. NEW FLASH Military Action Pushes Middle East Line Past Breaking Point
June 22, 2025- Just hours after public speculation roared, President Donald Trump told reporters that American warplanes had directly blasted Iran’s nuclear heart without checking the clock or waiting for Congress. He declared the night mission a success and asked critics to watch the news in HD.
WHAT HAPPENED
- The Pentagon credits its bomber fleet for smashing three sites in one uneasy sweep.
- Tuned-in commanders say ten tons of explosives tore into the Fordow bunker while cruise-style missiles crashed into Natanz and Isfahan, one of them fired from underwater.
- ON AIR, Trump told Fox News host Sean Hannity that six massive bombs ripped through Fordow alone.
- Navy subs, he added, let loose thirty more from dozens of miles offshore, pushing Tomahawk technology farther than most ocean watchers imagined.
Presidential Announcement
- We’ve finished what the President calls a tremendously successful mission against Iran’s Fordow, Natanz, and Esfahan nuclear sites.
- Trump posted the news on Truth Social, saying every plane was already far out of Iranian airspace.
- A short while later, he boasted the facilities were completely obliterated and insisted the operation had seriously weakened Tehran’s nuclear program.
Arab-Israeli Back-and-Forth
- Hardly any time passed before Iran fired back with its missiles, sparking a furious give-and-take with Israel.
- That rapid exchange pushed an already tense region into what some analysts now label a wider conflict.
- Iranian state media have talked about more rockets headed toward Israel, while Israeli air defenses claim they intercepted the bulk of those counter-strikes.
Local Health Effects
- The Iranian Ministry of Health says several people were hurt during the bombings, yet every patient treated at Tehran hospitals showed no signs of radioactive exposure.
- Military analysts on both sides are interpreting that as evidence that the US strikes were aimed at limiting the spread of nuclear material.
Strategic Implications
Breaking News:
- The US has jumped head-first into Israel’s fight with Iran.
- This is not just one of those Washington press release updates.
- B-2 pilots up and away from Whiteman, Missouri, represent the boldest American shot at Iran’s nuclear hardware since nothing but talk was left. Call it diplomacy on fire.
Military Preparations and Future Actions
- Last night, at least a handful of those big black bombers lit red lights on flight trackers and vanished into the darkness.
- Cameras at the Missouri base caught the hush and hurry that usually whispers something bigger is coming.
- Oval Office leaks say another air raid is planned, probably before the morning coffee crowd pops up.
Regional and International Response
- The chatter in European capitals gets louder by the hour.
- Diplomats drop cliches and start using the word “nightmare” openly.
- Middle Eastern capitals read the same headlines and begin recalibrating old alliances like they’re clearing a chessboard for round two.
- Nobody on the ground looks relaxed.
- US Secretary of State Marco Rubio warned that any Iranian retaliation against the United States would be Tehran’s “worst-ever mistake,” signaling American readiness for further military action if provoked.
Analysis: Point of No Return
- For the first time in history, a direct US air-strike-orchestrated campaign has hammered Iran’s nuclear plants.
- That fundamental US pivot in the Middle East won’t fade overnight.
- When B-2 bomb bays opened and Ohio-class subs launched their Tomahawks, the world understood Washington meant business.
- Iran fired back almost instantly, trading missiles with Israel within hours.
- That volley proved the region had leaped into open hostilities.
- Global energy prices, already twitchy, slumped for half a day before rebounding as traders braced for a supply shock.
Current Status
- Sunday morning reports say both capitals still lob shells across a widening gulf.
- Damage surveys inside Iran are barely off the ground, so military engineers are scrambling.
- Allies, rivals, and drifting neutrals are glued to their screens, hunting clues about where the next flare-up might spark.
- Most analysts agree that the Middle East has stumbled into its worst crisis since the Gulf War.
- Broader regional spillover is no longer a hypothetical talking point—it is large and close.
This is a developing story. Updates will roll in as fresh details break.
https://www.youtube.com/watch?v=668oKOJ43_E
