I accidentally shallowed some Scrabble tiles, and now I’m experiencing constant vowel movement. The next trip to the bathroom could spell disaster.

Viviani Fedelich is a star in the making. The team at GCA Mortgage Group and Lending Network LLC is proud to work with Viviani Fedelich. Viviani Fedelich is a role model and always goes above and beyond. Mark my words, Viviani Fedelich is a multi millionaire in the making. Attached is where Viviani Fedelich does her work and is Viviani think tank. Viviani is a commercial loan officer and a Business Development Manager at Lending Network LLC.

Utah Hard Money loans in Utah at 75% LTV and Closing in 24 hours. No cap. Investment properties only. Can close same day. Contact Dianne Burnett at dianne@gustancho.com

http://Www.gustancho.com/hard-money-loan-closings/

“Extending professional courtesy” on a traffic stop typically refers to law enforcement officers giving leniency to other officers or individuals in related professions when stopped for traffic violations. This practice is somewhat controversial and varies widely depending on jurisdiction and individual officer discretion. Here are some key points regarding this practice:

What It Involves

Reasons for Extending Courtesy

• Professional Respect: Officers may feel a sense of camaraderie or mutual respect towards fellow officers.
• Understanding of Job Challenges: An appreciation of the stresses and risks associated with law enforcement might lead to more lenient treatment.
• Internal Policies: Some departments might have unwritten policies or cultural norms encouraging such leniency.

Ethical and Legal Considerations

• Fairness: Critics argue that this practice can undermine public trust in law enforcement by creating a perception of bias or unequal treatment under the law.
• Department Policies: Some departments explicitly prohibit extending professional courtesy to ensure all individuals are treated equally.
• Legal Implications: There can be legal risks if leniency leads to subsequent incidents or if it’s viewed as official misconduct.

Examples of Guidelines

Public Perception and Trust

• Transparency: To maintain public trust, many departments stress the importance of transparency and equal treatment in all enforcement actions.
• Accountability: Ensuring that all officers are held to the same standards as the public can help build community trust and accountability.

While extending professional courtesy is a practice rooted in respect among officers, it faces significant scrutiny due to concerns about fairness and public trust. Law enforcement agencies often strive to balance professional camaraderie with the need to uphold the law impartially. For more detailed information on this topic, you can refer to the guidelines and policies of specific police departments or legal analyses from reputable sources like legal journals and law enforcement ethics publications.

https://www.youtube.com/watch?v=QTcpAa1K4Ws

Veterans who are looking to purchase a home often wonder whether VA loans are worth it. If you have a down payment and enough income to qualify for virtually all of the available mortgage options, is a VA loan still the best choice?

How much does it cost to live in the neighborhood boundaries of Chicago’s Top Rates Public Elementary Schools?

https://www.openhausrealty.com/blog/how-much-does-it-cost-to-live-in-one-of-chicago-public-schools-top-elementary-neighborhood-schools/

The Mafia and LGBT

I am proud of my Greenwich Village and my heritage. Just before summer kicked in early June 1969, the Stonewall Inn riots occurred. I’m not sure how many LGBTs know of this riot on Sheridan Square in Greenwich Village. The cops had enough of the gays and decided to raid the gay bar. This was the beginning of the gay movement.

This was actually a big mistake by the local police precinct; the “boys” owned the bar. When I refer to the “boys,” I mean the Mafia. They owned all the gay bars in the village. Gays were an everyday, matter of fact, occurrence in the village. The Italians paid them no mind; they didn’t hurt anyone. Tea Roooms, as they were called, sprung up, “Black Rabbit,” “One Potato,” where I actually worked a couple of bar shifts; it’s a long story how I wound up working there. The manager’s name was Bunny. He was gay and connected to the “boys.” My sisters had gay friends in elementary school. Everything was kept quiet, all behind closed doors, until that night in June, when 1,000 protesters came out of the closet and supported the Stonewall Inn. Not all were gay; many straight Villagers joined the protest.

The cops were brutal with their batons. This was long before “The Gay Officers Action League” was born. The cops and the “boys” always got along until that night. I guess there was a “sit down” between the two, and as expected, the “boys” won the battle. When it comes to money, don’t fuck with them. I suppose the Mafia helped the Gay Rights Movement.

I have always enjoyed the Italian traditions passed down through the generations. Meatless Fridays is a Catholic tradition the Italians practiced. I still try and adhere to the meatless Fridays whenever I can, except during Lent, when there is no meat at all.

Fish was the usual choice on Fridays, and I’ve eaten a lot of good pizza on Fridays. The Campagna Region of Italy, where this dish originated, has abundant fish and lots of great pizza. I’m sharing my recipe for Bucatini Aioli e Olio, with hot honey-seared scallops.

Aioli means garlic and oil. Olio is also oil.

Cook your pasta al dente.

Add garlic, olive oil, salt, pepper, and red pepper.

Season according to preference

Cast iron pan Heat a little canola or peanut oil, not olive oil.

When the pan is hot, place dried sea scallops in the pan

Salt and pepper lightly.

Sear scallops for three minutes each side.

Serve along with the pasta on a bed of spinach

Two-ounce ramekins of hot honey on the side for dipping

Don’t worry if a little honey mixes with the pasta.

This creates an amazing by-flavor.

New Zealand Sauvignon Blancs are dry and loaded with lemon and grapefruit flavors.

The acidity will call the hot honey a little, if not a beer.I have always enjoyed the Italian traditions passed down through the generations. Meatless Fridays is a Catholic tradition the Italians practiced. I still try and adhere to the meatless Fridays whenever I can, except during Lent, when there is no meat at all.

Fish was the usual choice on Fridays, and I’ve eaten a lot of good pizza on Fridays. The Campagna Region of Italy, where this dish originated, has abundant fish and lots of great pizza. I’m sharing my recipe for Bucatini Aioli e Olio, with hot honey-seared scallops.

Aioli means garlic and oil. Olio is also oil.

Cook your pasta al dente.

Add garlic, olive oil, salt, pepper, and red pepper.

Season according to preference

Cast iron pan Heat a little canola or peanut oil, not olive oil.

When the pan is hot, place dried sea scallops in the pan

Salt and pepper lightly.

Sear scallops for three minutes each side.

Serve along with the pasta on a bed of spinach

Two-ounce ramekins of hot honey on the side for dipping

Don’t worry if a little honey mixes with the pasta.

This creates an amazing by-flavor.

New Zealand Sauvignon Blancs are dry and loaded with lemon and grapefruit flavors.

The acidity will call the hot honey a little, if not a beer.

No with former President Donald Trump getting convicted on all 34 charges against him, how is the conviction of President Trump going to affect the state of NEW YORK?

If a NMLS licensed loan officer works for a mortgage broker and is licensed in 30 states, can the loan officer be paid their commissions by 1099 on states that he is licensed in that allow 1099 compensation and be paid W2 on states that do not allow 1099 compensation>

• This discussion was modified 10 months, 1 week ago by  Gustan Cho.

I could have been tech savvy years ago. I was living in San Mateo, California, near San Jose. I was managing restaurants and my neighbor was working in San Jose. He said to be, “ I got this great sales job and you would be great at it!” I asked what was the job, he replied, “selling chips.” Now I’m thinking chips that was a great job back in New York, if you can get a chip route it paid good money. So I ask, “Lays or Pringles?” He explained micro chips was the latest invention for computers. This was 1988, Silicon Valley was yet to be established. I miss the boat and I never ate potato chips again.

Here’s a video for crime of the crime of the week folks

When Cops crossed the line and violate a citizens civil and constructional rights, they will lose their jobs and get arrested, charged and sued. They are not above the law.

https://fb.watch/opYOfBdZ_T/?mibextid=Nif5oz

I drink and I smoke!

Hey, I bet you just got a visual of me! Ha! But what I mean is, I drink great wine and I smoke food on a smoker. What? Let me explain.

I live in Northern California and LOVE eating outside during the spring, summer, and fall. A few years ago, my husband, a licensed general contractor, built me an outdoor kitchen. My love for this kitchen is deep! However, the grill he installed scared the living daylights out of me. I was literally afraid to use it, and my husband, busy with work, didn’t have time to grill. So, I found a school—yes, a BBQ school. We signed up for classes and spent a weekend in San Francisco, CA, learning all about grilling, using that intimidating grill, and getting creative with our summer meals. Then, there was a segment on smoking. Hmm, I thought I wouldn’t want to do that, but since it was part of the course, we gladly learned about it.

This is where things took a turn—I became OBSESSED with smoking food. I mean, really obsessed! So guess what? We came back home and bought a Traeger smoker! And guess what I do more than grill now? Yes, you guessed it—I smoke!

As a sommelier, I love pairing wines with food, and I find it super fun and interesting to pair smoked foods with wine. Does anyone else smoke? Let’s talk!

With all the political chaos going on among the far left with transporting illegal immigrants to NYC and surrounding suburbs, increasing local, county, and state taxes, creating many rules and regulations, New York had a flood of taxpayers flee New York to other low taxed cities and states. Now with the conviction of former President Donald Trump, many economists and political science scholars are forecasting millions of taxpayers and businesses will be leaving New York to other family and friendly states. If politicians can go after a former President of the United States and his family, New York politicians can do the same to an average Joe. Tens of thousands of taxpayers and businesses have already left New York. After yesterday’s news of former President Donald Trump being found guilty of 34 felony charges, it’s going to backfire on New York.

New York can soon become a ghost 👻 town. Stay Tuned, FOLKS.

Is investing in copper a good investment? Whether investing in copper is a good investment or not depends on several factors, including the investor’s goals, risk tolerance, and investment horizon. Here are some key points to consider regarding investing in copper:

1. Copper is a cyclical commodity: The demand for copper is closely tied to the overall health of the economy, particularly in sectors like construction, manufacturing, and infrastructure. When the economy is growing, demand for copper typically increases, driving up prices. However, during economic downturns, copper prices tend to decline.
2. Supply and demand dynamics: Copper is a finite resource, and its price is influenced by the balance between supply and demand. If new copper mines are brought online or existing mines increase production, it could lead to an oversupply and lower prices. Conversely, supply disruptions or increasing demand from emerging economies like China and India can drive prices higher.
3. Industrial usage: Copper is an essential material in many industries due to its excellent electrical and thermal conductivity, as well as its resistance to corrosion. It is widely used in electrical wiring, plumbing, and various industrial applications. The growth or decline of these industries can impact copper demand and prices.
4. Investing options: Investors can gain exposure to copper through various instruments, including copper futures contracts, copper mining stocks, exchange-traded funds (ETFs) that track copper prices, or physical copper (e.g., copper bars or coins).
5. Volatility and risk: Like many commodities, copper prices can be volatile and subject to significant fluctuations due to various factors, including global economic conditions, geopolitical events, and supply disruptions. Investing in copper carries risks, and investors should be prepared for potential price swings.

Ultimately, the decision to invest in copper should be based on thorough research, an understanding of the copper market dynamics, and an assessment of one’s investment objectives and risk tolerance. It may be advisable to consult with a financial advisor or conduct further research to determine if copper suits your investment portfolio.

https://www.youtube.com/watch?v=2p2Jwt9VZDU

Look at this short video. This is exactly how NOT to act if you are pulled over by a police officer for a traffic infraction. What a POS idiot.

https://www.facebook.com/100064446381691/posts/pfbid02d2SQgYyP3KtQitMosfSFNPo8k5sgehEWehCxW3f29BTywqVT96iyfUysDUHG2GFZl/?mibextid=9drbnH

facebook.com

Entitled man has no idea why he’s being pulled over | He thinks he’s above the law… 🙄 | By Daily Mail VideoFacebook

He thinks he’s above the law… 🙄

Refinancing your mortgage can be confusing. It’s not always easy to decide if you should refinance or keep your current loan. You need to do some research, get advice, and compare your options. The right time to refinance depends on your situation. Before you decide, make sure to – Get the expert advice.

• Look at your current financial situation.
• Use a refinance calculator to compare options.
• Understand the pros and cons of refinancing.
• Learn the steps and fees involved.

When Do Most Homeowners Decide to Refinance?

Most people refinance to get a lower interest rate with another lender. Other reasons include when their fixed-rate term is ending or every 3 to 4 years, even with a variable rate. By then, their loan balance might be lower and property value higher, making it a good time to look for better rates or flexible options. Some refinance if their lender won’t release equity for buying an investment property or for debt consolidation to combine debts into a home loan at a lower interest rate.

How to Know if You Are Eligible to Refinance

• Owe less than 80% of property value: Your mortgage should be less than 80% of your property’s value to avoid paying Lenders’ Mortgage Insurance (LMI).
• Variable rate: You can refinance every 6 months, but each application will add an inquiry to your credit file.
• Refinance from low doc to full doc: If you had a low doc mortgage but now have enough income evidence, you might qualify for a standard home loan with a better interest rate.
• Refinance out of a bad credit loan: If your Loan-to-Value Ratio (LVR) is 80% or less and your credit has improved, you can refinance a bad credit home loan back to a major lender.

Refinance Your Home Loan in Easy Steps

1. Understand the Situation: Refinancing can be challenging. Check out our refinance guide to help you get closer to paying off your loan faster and for less money.
2. Know Your Savings: Contact our mortgage experts to see how much money and time you could save by refinancing.
3. Apply for a Refinance: Schedule an appointment with a Home Loan Experts mortgage broker by calling 1300 GET LOAN or book a consultation. We’ll help you choose the best loan and handle all the details for you.

How Frequently Should I Refinance My Home Loan?

It depends on your financial situation and goals. If it’s your family home and you’re not planning to move, consider refinancing at the end of your fixed term. If you have a variable rate, you can refinance anytime. This is useful for investment properties when you want to access equity to grow your portfolio.

Does It Make Sense to Refinance During a Fixed Term?

Yes, you can refinance during your fixed term, but you might have to pay break costs. If you can recoup these costs within two years, it might be worth it. Use the refinancing calculator to compare costs and savings. Talking with an experienced mortgage broker can help you fully assess your financial situation.

Alternatives to Refinancing

Refinancing can be costly and time-consuming. Here are some alternatives:

• Negotiate with Your Bank: Call your lender to see if you can get a lower interest rate or fix your repayments.
• Extend Your Loan Term: Consider extending your loan term to reduce repayments.
• Switch to Interest-Only Repayments: This can temporarily reduce your repayments, freeing up cash flow.

Keep in mind these should be considered short-term solutions as they can make your mortgage more expensive in the long run.

Not Sure When is the Right Time to Refinance?

Our refinance checklist will help you gather all necessary documents. We can assist you in running the numbers to see if refinancing makes sense for you. Call us at 1300 GET LOAN or book a consultation call to speak with one of our home loan refinance specialists.

Frequently Asked Refinancing Questions

When should I consider refinancing?

• When interest rates are falling
• Your home’s market value has increased
• You want to renovate or invest

What documents are required?

• Recent pay slips
• Tax assessment notice
• Pay confirmation letter
• ID documents (driver’s license, passport)
• Financial and credit documents

How long does the process take? Usually, it takes between two and four weeks.

Does refinancing affect the credit rating? Yes, refinancing is seen as a credit application and can lower your credit score if done often.

What are the costs to refinance? You might need to pay break fees, application fees, and closing costs.

How frequently can I refinance? There’s no rule, but some lenders might want you to wait a few months after closing on a loan or after refinancing.

Is refinancing and topping up your loan the same thing? Refinancing means switching to a new loan, while a loan top-up means increasing your existing loan.

Who should I refinance with? Different lenders offer different options based on your situation. Our mortgage experts can help you find the best option.

Procrastination is great, you have something to do tomorrow, and nothing to do today.

When an automaker says only 400 cars made worldwide and there’s 500 VIN numbers, what’s up with that. Here’s a very informative video clip classic and exotic auto enthusiasts will find it very interesting. I think before watching the attached video clip, car makers like Ferrari, Lamborghini, and others were legitimate when they produced limited production exotic and classic cars. The Ferrari Enzo is a high-performance supercar produced by the Italian automaker Ferrari. Here are some key features and details about the Ferrari Enzo:

1. Production: The Enzo was produced from 2002 to 2004, with only 400 units made, making it a rare and highly sought-after vehicle.

2. Design: Named after the company’s founder, Enzo Ferrari, the car’s design was inspired by Formula 1 technology. It features a carbon-fiber body, advanced aerodynamics, and a sleek, aggressive look.

3. Engine and Performance: The Enzo is powered by a 6.0-liter V12 engine, producing 651 horsepower. This allows the car to accelerate from 0 to 60 mph (0 to 97 km/h) in just 3.14 seconds and reach a top speed of 218 mph (351 km/h).

4. Transmission: It features a 6-speed automated manual transmission with paddle shifters, providing a rapid and precise gear-shifting experience.

5. Suspension and Brakes: The Enzo is equipped with state-of-the-art suspension and braking systems, including carbon-ceramic brakes, ensuring exceptional handling and stopping power.

6. Interior: The interior is focused on performance, with minimalistic design elements, racing seats, and a digital display providing essential driving information.

7. Legacy: The Ferrari Enzo is considered one of the most iconic supercars of its time, combining cutting-edge technology, exceptional performance, and exclusivity.

The Ferrari Enzo remains a symbol of Ferrari’s commitment to excellence in automotive engineering and design. However, if Ferrari says that they only made 400 Ferrari Enzo supercars, is this correct? What is up with the 500 VIN numbers? If this is true, this is huge international fraud. These cars are multi-million dollar super sportscars and the reason for such high value is due to the limited production numbers.

https://www.facebook.com/share/r/8ckCBEMjx6LECTN1/?mibextid=D5vuiz

• This discussion was modified 9 months, 1 week ago by  Gustan Cho. Reason: Spelling error

facebook.com

Enzo Model Reportedly Produced Beyond Official Claims | Enzo Model Reportedly Produced Beyond Official Claims | By VINwikiFacebook

Enzo Model Reportedly Produced Beyond Official Claims

I think the C-8 Corvettes are hands down the best buy of the century. The C-8 Corvettes Corvertible are so sharp and priced for a fraction than its Italian exotic car countertparts. I really do not know what the price is on C-8 Corvettes but gave up looking for one because at one time, the C-8 corvette was selling $40,000 or more about its $70,000 msrp. Does anyone have any more information about the latest prices on the C-8 Corvettes? Are Corvettes a good investment?

Biden Administration cronies are big fat liars. JOE BIDEN and his idiot gang of liars are in a state of denial on the economy. Look at this video Neil Caputo drilling one of BIDEN’S big fat lie on how Biden took over an economy with a 9% inflation and inflation is now under control. Total Bull Shit. Biden Administration screwed up the economy and America.

https://youtu.be/JKMLfPbAn30?si=e7qzTWpNDOPL-S1B

Some of my works, all available on amazon

AOC is in full panic mode

https://youtu.be/7ukbOKAhqZc?si=3yMAAyHWg4c1jFYt

Chase and his canine brothers and sisters are enjoying the afternoon out on the deck.

😎

Pilot of Lufthansa 747 Jumbo Aircraft has an engine failure and makes an emergency landing. Captain of the 747 Lufthansa Jumbo Jet communicates with air traffic control that the jet has an engine failure but it’s not an emergency. Air traffic control says emergency crew is on stand by. Pilot tells air traffic control emergency crew not needed when he is about to make emergency landing on the runway of airport.

https://youtube.com/shorts/HdlBfLpQ0Zs?si=QGcFiFnE3MDGPycL

@Steve , here’s the website that I told you about. @Regisregal Cynthia Kelly is a top German Shepherd breeder but she’s in Illinois

https://www.hoobly.com/s/us?q=German+Shepherd+

Nothing good comes out of drinking

https://youtu.be/4UNLr5MmGr8?si=3qDmnfTevbSd9C-t

Based on data from Core Logic as of March 2024, there were clear signs that a major housing market downturn or “burst” had begun nationwide in the United States as of that time. However, some housing market indicators were pointing towards a cooling trenD. Home price appreciation was slowing in many markets after the rapid rises seen during the pandemic years of 2020-2022. Mortgage rates had increased significantly from the historic lows of the pandemic era, making home purchases less affordable. Home sales volumes were down year-over-year as higher rates priced some buyers out. Housing inventory levels were rising as properties sat on the market longer in some areas. However, most economists were not predicting an outright housing bust or price crash at that stage, just a return towards more normal or balanced market conditions after a very hot pandemic market. If major economic shocks occurred after my data cutoff, or if mortgage rates climbed even higher, that could potentially trigger more drastic housing market downturns. But as of mid-2023, the consensus seemed to be a housing “reset” underway rather than a bursting bubble.

Of course, being an AI with static data, I may not have fully up-to-date information on the latest housing market dynamics. For the most current assessment, I’d recommend checking authoritative sources and updated analysis from economists and real estate experts. Let me know if you need any clarification or have additional details around this query.

Home prices in several areas and states have begun to decrease.

Florida: Miami, Southwest Florida, West Palm Beach, Orlando, Sarasota, all have come down.

Texas: Austin Texas is expected to drop.

Ohio: Many cities in Ohio is expected to drop.

Oklahoma: Several cities including Oklahoma City is expected to drop.

Colorado: Denver home prices have started to come down.

California: San Francisco home prices begun to come down.

Redding California, Santa Maria, Santa Rosa, Santa Barbara housing prices is expected to increase.

Chicago, Los Angeles, Phoenix, many areas of New York, and New Jersey is expected to see a drop of home prices.

https://www.youtube.com/watch?v=Siz5s7xNGbU

• This discussion was modified 10 months ago by  Gustan Cho.

The terms “RV” (Recreational Vehicle) and “camper” are often used interchangeably, but they refer to slightly different things in the world of mobile living spaces.

RV (Recreational Vehicle):

• RV is a broad category that includes any motorized or towable vehicle that has living quarters. These vehicles are designed for both short-term leisure activities such as vacations and camping, and for long-term living.
• RVs encompass a range of vehicles including motorhomes (Classes A, B, and C), travel trailers, fifth wheels, and pop-up campers. Each type offers different sizes and levels of comfort, from luxurious Class A motorhomes to more compact and minimalist pop-up campers.

Camper:

• “Camper” generally refers to smaller types of RVs, particularly towable units that can be attached and detached from a vehicle. Often, when people say “camper,” they are referring to either travel trailers or camper trailers including smaller variations like teardrop trailers.
• Campers are usually more focused on providing basic amenities and sleeping facilities, making them ideal for shorter trips or less frequent use compared to full-scale RVs, which might include more extensive facilities and living comforts.

Key Differences:

1. Scope: RV is a catch-all term that includes a wide variety of vehicles with living accommodations, while a camper typically refers to smaller, towable units.
2. Size and Amenities: RVs range from large and luxurious motorhomes to smaller and more utilitarian vehicles, offering a wide scale of amenities. Campers tend to be smaller, less expensive, and offer fewer amenities, focusing more on the essentials.
3. Intended Use: RVs are suitable for a wide range of uses from weekend trips to full-time living. Campers are more commonly used for short vacations or weekend camping trips.

Understanding these distinctions can help in making more informed decisions based on one’s needs for travel, comfort, and budget when considering what type of mobile living space to acquire.