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 8 months, 2 weeks 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 7 months, 3 weeks 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 8 months, 1 week 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.

LCongratulations 🎊 and 🇲🇽 Salud Senior Hamburgesa on you acing 100% ciento 💯 💯 💯 💯 💯 positive on your STD examination.

Why you should be protected to avoid STD

@Bill Burg

https://www.facebook.com/share/r/fLedj1urEC9XKmQn/?mibextid=D5vuiz

facebook.com

Follow @WeTrendingWorldWide 📈 ᴄᴏᴍᴍᴇɴᴛ ʙᴇʟᴏᴡ 📈 🫣🤣😱😳 🎟️Tag Your Friends 📱Share For More New Funny / Entertaining Content *Content creators Dm me for Credit or removal of video* *Dm For Promo* • • #WeTrendingWorldWide | WeTrendingWorldWide 📉📈 | wetrendingworldwide · Original audio

Follow @WeTrendingWorldWide 📈 ᴄᴏᴍᴍᴇɴᴛ ʙᴇʟᴏᴡ 📈 🫣🤣😱😳 🎟️Tag Your Friends 📱Share For More New Funny / Entertaining Content *Content creators Dm me for Credit or removal of video* *Dm For Promo* • •...

There are about ten states that do not allow mortgage loan originators to be paid by 1099 from their mortgage brokerage company. How does Illinois stand on loan officers to be paid by 1099?

Silver broke $24 per ounce. Buy silver. Still a very low price per ounce.

There are so many scammers in the United States. Every part of the country is invested by fraudsters at all levels. I know there are many different types of fraud and each type of fraud is stealing. Fraud is when a natural person maliciously deceives its victims by scamming their victims with the goal of taking advantage of the victim thus causing financial hardship. Common goals of scammers committing fraud is to take money, or assets of monetary or intellectual value or stealing private data, and information from you, your family, or your employer, or your business. Scammers commit fraud via email, text, phone or in person, either on the street or on your doorstep. Some adults may be especially vulnerable to fraud and financial abuse.

• This discussion was modified 3 days, 7 hours ago by  Sapna Sharma.

Homebuyers can get seller concessions for a home purchase from the seller up to 6% of the home purchase price which can be quite large. So on a $500,000 home purchase, the seller concessions can be a total of $30,000. Can the home buyer use the $30,000 on a $500,000 home purchase for the down payment?

How can you get approved for a commercial loan on commercial properties with creative financing?

I did a side job yesterday and this is fresh on my mind. Busted pipe damaged flooring drywall at a customers house. The cause of the leak is old building materials that don’t hold up to the new standard.

Homeowners often face the headache of dealing with property damage caused by leaks. Well, in this post, we’re going to explore the differences between polybutylene pipe and PEX pipe in the context of preventing leaks like this. It’s all about keeping our homes safe and sound while avoiding costly repairs down the road. Let’s dive in and discover how choosing the right pipe material can make a big difference. Ready? Let’s go!” 😄🏠💦

I’m going to go deeper into the differences between polybutylene pipe and PEX pipe.

Polybutylene pipe, also known as PB pipe, was popular in residential plumbing systems from the 1970s to the mid-1990s. It’s made of a plastic resin called polybutylene, which was chosen for its low cost and easy installation. However, over time, it was discovered that PB pipe had some issues. It had a tendency to become brittle and prone to cracking, especially when exposed to chlorine, which is commonly found in municipal water supplies. This led to leaks and water damage in many homes just like the one I was in yesterday.

On the other hand, PEX pipe, short for cross-linked polyethylene, has gained popularity as a more reliable alternative. PEX pipe is made by cross-linking polyethylene molecules, which gives it enhanced strength and flexibility. It can withstand freezing temperatures without bursting, making it ideal for colder climates. PEX pipe is also resistant to corrosion and scale buildup, which can prolong its lifespan and maintain water flow.

In terms of installation, PEX pipe has an advantage. It can be bent and curved without the need for as many fittings, reducing the risk of leaks. It’s also compatible with various connection methods, such as crimping, compression, and push-fit fittings.

Overall, PEX pipe is considered a more durable and reliable option compared to polybutylene pipe. It has become the go-to choice for many homeowners and plumbers due to its flexibility, resistance to freezing, and longer lifespan. I hope this gives you a better understanding of the leaks and how the type of pipe plays a role!

Open Graph tags allow you to control what appears when someone shares a link to your site on social media. They let you specify the title, description, images, etc. that should be used.

– Some important Open Graph meta tags include:

– og:title – The title you want to appear.

– og:description – A description for the page/site. Shows up as the description or caption.

– og:image – An image URL representing the content. The featured image.

– og:type – The type of content being shared (e.g. website, video, article).

– When adding Open Graph tags, you place them in the <head> of your HTML pages. They always start with “og:” and contain properties like title, image, type, etc.

– Using relevant Open Graph tags allows you to control what appears when people share your content on sites like Facebook, Twitter, WhatsApp to make sure the right text, images, and description appear.

– There are many more Open Graph properties you
can add, but og:title, og:description and og:image are the most essential ones
to make your social shares appear properly