You might think the IRS is only interested in big corporations, but the truth is, they’re zeroing in on small business owners and gig workers like never before. With the gig economy booming, many people juggle multiple income streams, making tax compliance a challenging task. So, why is the IRS ramping up enforcement? Understanding their motivations could save you from unexpected penalties and help guarantee you’re on the right side of the law.

The Rise of the Gig Economy and Its Impact on Tax Compliance

As the gig economy continues to expand, many workers find themselves maneuvering a complex landscape of tax compliance.

You’re likely juggling multiple income streams, making it essential to keep track of earnings from various platforms. Each gig can introduce unique tax implications that you may not be fully aware of.

Managing multiple income streams requires diligent tracking of earnings, as each gig carries its own tax implications.

When you earn income as a freelancer or contractor, you’re responsible for reporting it accurately, even if you don’t receive a W-2.

This shift to self-employment means you’ve got to manage your own taxes, including estimated payments. It can feel overwhelming, but understanding your obligations is critical.

Staying organized and informed will help you navigate this evolving landscape and avoid potential pitfalls in tax compliance.

Increased IRS Resources and Enforcement Efforts

With the IRS ramping up its resources and enforcement efforts, small business owners and gig workers face increased scrutiny.

You might notice more audits and investigations targeting underreported income and questionable deductions. The agency’s investment in technology and data analytics means they can identify discrepancies in your tax filings more easily than ever.

This heightened vigilance isn’t just about collecting revenue; it’s also about ensuring compliance across the board. You may feel the pressure to maintain meticulous records and be prepared for potential inquiries.

As the IRS focuses on closing the tax gap, staying informed and compliant becomes essential for your financial health. Be proactive in understanding your obligations to avoid unexpected penalties or complications down the line.

Common Tax Deductions Under Scrutiny

While you may be keen to take advantage of various tax deductions, it’s crucial to know that certain expenses are now under increased scrutiny by the IRS.

Here are three common deductions you should be cautious about:

1. Home Office Deduction: Many small business owners claim this, but the IRS looks for clear evidence that the space is exclusively used for business.
2. Vehicle Expenses: If you’re deducting mileage, maintain accurate logs. The IRS expects detailed records to back up your claims.
3. Meals and Entertainment: While you can deduct a portion, you must prove these expenses are directly related to your business activities.

Understanding these nuances can help you avoid unnecessary audits and penalties while maximizing your deductions.

The Importance of Accurate Record Keeping

Accurate record keeping is essential for small business owners and gig workers, especially when facing increased scrutiny from the IRS. Maintaining detailed records of your income and expenses helps you stay organized and prepared for audits.

It’s not just about compliance; good records can help you track your business performance and identify potential deductions you might otherwise overlook.

You should keep receipts, invoices, and bank statements neatly organized. Use digital tools or apps to simplify this process, making it easier to categorize transactions.

Regularly updating your records can save you time and stress during tax season. Ultimately, being diligent about your record keeping can protect you from costly mistakes and guarantee you’re ready for any IRS inquiries that may come your way.

Navigating the Challenges of Self-Employment Taxes

Maneuvering self-employment taxes can be intimidating, especially as a small business owner or gig worker.

However, understanding the basics can make it manageable. Here are three key aspects you should focus on:

1. Quarterly Estimated Taxes: You need to pay estimated taxes quarterly to avoid penalties.
2. Deductible Expenses: Keep track of deductible expenses like home office costs, equipment, and business supplies to lower your taxable income.
3. Self-Employment Tax: Remember, you’re responsible for both the employer and employee portions of Social Security and Medicare taxes.

When we speak to taxpayers who have unfortunately fallen into the IRS Collection Division and believe their hardship can be settled with a hardship letter and the IRS just goes away unfortunately that’s not how it works. These individuals are confronted with the prospect of dealing with federal tax issues imposed by the (IRS) and not having a clear understanding of what the rules are and what’s available to the taxpayer. Talk To A Tax Expert Now!

If you find yourself dealing with any tax-related issues in Orlando, Florida or anywhere in the Central Florida or for that matter anywhere in the USA we are a phone call away.

Call Now 407-531-8705

Conclusion

As the IRS ramps up its efforts, small business owners and gig workers need to stay vigilant about their tax compliance. Did you know that nearly 1 in 5 Americans earned income through gig work last year? That’s a significant portion of the workforce at risk of audits if they don’t keep accurate records. Staying organized and informed can help you avoid potential pitfalls and guarantee you’re contributing fairly to the tax system while reaping the benefits of your hard work.

Peter Kici EA

There’s a video series about several pet monkeys. Little pet monkeys are extremely intelligent and cute.

Considering A Pet Macaque Monkey

Insights, Availability, Costs, and Wisconsin Regulations.

You might think owning a monkey is an interesting idea, especially bear macaw mandrills for pets. These monkeys are known for their extreme intelligence and very sophisticated social customs. Their faces are expressive with distinctive features and immensely playful. Therefore, some people consider them exotic pets. But there is a need to ponder a bit deeper before adopting a pet monkey, particularly a baby macaque monkey. This requires consideration of various important factors, including cost, availability, and legal issues, especially in Wisconsin.

Understanding Macaque Monkeys as Pets

Having a pet monkey is like having a small, adorable friend in your home. These pets are also considered very intelligent. They have sophisticated family structures. Macques live in social groups and engage in various physical and mental activities. Suppose they are kept in a domesticated setting like a house or an apartment. In that case, it’s very difficult to replicate this, which can cause severe behavioral problems. An owner must accommodate a multi-dimensional approach to meeting a Macaque’s needs. People wanting these pets should also be ready for the commitment because pet monkeys, particularly macaques, can live for decades.

Availability and Cost of Baby Macaque Monkeys

Contact trusted breeders or exotic pet shops to buy a pet monkey or baby macaque.

Here are several websites that are useful guides in your search.

Supreme Exotic Animals for Sale:

• This website offers several varieties of baby macaques for sale.
• One of the babies, Lily, is listed for roughly $750.
• supremeexoticanimalsforsale.com

General Monkeys for Adoption:

• Another website offers black long-tail macaques for about $1,200 and pigtail macaques for around $900 to $1,000.
• generalmonkeysforadoption.com

Exotic Animals for Sale:

• Features listings like baby marmosets (pocket monkeys) and squirrel monkeys.
• Prices vary.
• Potential buyers must fill out a request form for specific pricing.

Exotic Animals for Sale:

• Features listings like baby marmosets (pocket monkeys) and squirrel monkeys.
• Prices vary.
• Potential buyers must fill out a request form for specific pricing. ​
• exoticpetsforsale.com.

It’s crucial to note that prices can fluctuate based on factors such as age, health, and monkey rarity. The initial purchase price is just the beginning. Ongoing costs include specialized diets, veterinary care, and suitable housing to ensure the monkey’s well-being. ​

Legal Considerations in Wisconsin

• Before acquiring a macaque monkey, it’s imperative to understand the legal landscape in your state.
• Wisconsin’s regulations regarding exotic pets are nuanced:

Exotic Animals for Sale

• Features listings like baby marmosets (pocket monkeys) and squirrel monkeys.
• Prices vary.
• Potential buyers must fill out a request form for specific pricing. ​
• dinocalifornia.com

Wisconsin Is Watching

General Regulations:

• Wisconsin is among the states with relatively lenient laws concerning the ownership of non-native species.
• Owning a monkey, or almost any other non-native animal species, is currently legal in Wisconsin.

It is among five states:

• Alabama
• Nevada
• North Carolina and South Carolina

The above states are the other states with no bans on owning ‘dangerous’ exotic animals. ​

Check out the link for further information.

• Blackfeminity.com
• Dinocalifornia.com

Wisconsin Watch: Animal Law

Importation Requirements:

• A General Import Permit application is necessary if the animals are privately owned and relocated to Wisconsin.
• Different permit applications exist for some animals, such as those in a rodeo, circus, or menagerie visiting Wisconsin briefly.

Restrictions on Local Ordinances:

• While state laws may allow certain exotic animal ownership, local city or county laws might be more restrictive.
• You should check with local authorities to ensure you abide by all relevant laws.

Perspectives From Current Monkey Owners

The following information may be helpful for current pet owners of monkeys:

Social Media Groups:

• Facebook has groups that serve as communities where enthusiasts and owners can share experiences.
• For instance, one user posted about some ‘adorable’ capuchin monkeys for sale, and comments highlighted how sweet and playful they are.

Educational Videos:

Some mini-documentaries feature “pet monkeys,” showing how smart and charismatic they can be. One video of a pet monkey named “Lilly,” who lives in Vietnam, shows how much love this monkey has for her owner. It is as if she is a mother to a young child.

Ultimately

As tempting as it may be to own a baby macaque monkey, proper research and preparation is advised:

Ongoing Responsibility:

• Macaques regularly need your attention, time, and resources.
• Their care is complex, and their lifespan can reach several decades.

Moral and Legal Duty:

• Ensure that, at the first stage, owning a macaque will adhere to all legal terms.
• Remember the moral issues for keeping a wild animal as a pet.

World Population Review

Other types of engagement:

• If ownership appears difficult, consider donations to primate rescue facilities or volunteer activities that allow hands-on involvement without requiring permanent placement.

To sum up, some pet owners may find it rewarding on some level to have pet macaque monkeys, but they need to be mindful of the obligations and difficulties that come with it. Those willing to leap should know and be ready to tackle these issues for harmonious coexistence with their primate pet.

They are no different than having a little kid that normally behaves. Each pet monkey has its own personality. Anyone raise a pet monkey? Watch this short video. The owner of Lilly lives in Vietnam. This video will make your day.

https://youtu.be/HhVmi-if1yU?si=RY380dlthSfvqHsY

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

If someone has been on a payment arrangement with the IRS . I know you have to show payment history. Has a history of payments spanning multiple years each month 297.00. In September 2024, payment amount was adjusted, with the new payments set to begin in November. Per letter from IRS. However, the payments didn’t actually start until Feb 2025.

Will he still be required to show three payments of the new amount before proceeding?

Thanks in advance for any insights!

GCA Forums Headline News Weekend Edition for March 9, 2025

GCA Forums News will simulate your headline news section starting from March 9, 2025, the Presumed Inaugural March Weekend Edition.

The Effect of Record Lows of Unemployment on Real Estate:

Because unemployment is at an all-time low, we examine how this impacts the economy, mortgages, real estate market, supply, and demand.

Mortgage Underwriting Done By AI:

• As noted by one of the contributors to ‘AI in Real Estate,’ the technological advancement of AI in mortgage underwriting has greatly enhanced speed and precision accuracy in various facets, including approval duration.

Billing of Tax Credits for Green Energy Improvements Reiterated:

• Although the subsidization of excise duties on solar panels, energy-efficient windows, and green home improvements has not been formally announced, they remain available.
• Find out how this helps with your valuation of property mortgaged (home).

GCA Forums News “Housing for Heroes” Catalyst:

• Gustan Cho Associates has unveiled an exclusive initiative to simplify housing access for heroes such as servicemen and servicewomen, caregivers, and educators.
• Please help us spread the word and share your stories of service.

Property Transactions Done by Blockchain:

This innovation, poised to transform real estate dealings by making them quicker, safer, and more transparent, harnesses the power of blockchain technology. The members are discussing its prospective potential in our forum, “Blockchain & Property.”

Home Prices Stabilize

• Prices for homes in a good number of areas have started to stabilize after previously being erratic.
• What impacts will this have on prospective buyers and sellers?
• Share your thoughts in the “Market Trends” forum.

Mortgage Rate Lock Tips:

• As rates are projected to vary, so is how to ‘lock’ or secure the best-invested rate.
• Insights and questions can be shared with experts in our “Mortgage Rates” thread.

Virtual Reality Home Tours Become Standard:

• Virtual reality in home tours is now a norm, giving potential buyers lifelike simulations of homes.
• Check out what community members say regarding home showings and business and their experiences.

GCA Forum Member Achievements:

• Forum member John D. is given a round of applause for reaching his 100th post as a champion of expert forum advice.
• Welcome to the party to celebrate his generous spirit with the community.

Upcoming Webinar: “The Future of Homeownership”

• Join us for the highly anticipated webinar featuring leaders who will debate dominant tendencies, hindrances, and gaps available for maneuvering in homeownership over the next decade.
• Be sure to grasp a slot in “Events” and RSVP.

Community Poll: Rent vs Buy in 2025

• Do you care to share perspectives about the current context of rent and purchase?
• If so, join our poll—and provide your reasoning in the “Housing Decisions” thread.

Ask the GCA Forums News Expert

• The Q&A segment with our in-house mortgage and real estate professionals has returned.
• Feel free to post your questions today to get their expert recommendations about your housing situation.
• Don’t forget this remains a forward-looking discussion with a speculative agenda for its GCA Forums News iteration onto that future date.
• Ask me if you need guidance on your current real estate or mortgage mattress.
• I’d be glad to share fresh insights!

In this thread, we will cover the biography of Elon Musk, the richest man on this planet, and the person whom President Donald Trump appointed to head the Department of Government Efficiency, commonly known and referred to as DOGE.

Elon Musk: A Detailed BiographyUpbringing and Family Life

Elon Reeve Musk came into the world on June 28, 1971, hailing from Pretoria, South Africa. His father, Errol Musk, is a South African electromechanical engineer, pilot, and sailor. On the other hand, his mother, Maye Haldeman Musk, is a Canadian-born model and nutritionist. Elon has two younger siblings: a brother named Kimbal and a sister, Tosca. After his parents divorced at age ten, he spent most of his childhood living with his father, a decision he later regretted because their relationship was not good.

Musk developed a strong interest in technology and computing at an early age. At the age of twelve, he developed a video game called Blastar, which he sold to a computer magazine. Musk attended Waterkloof House Preparatory School and graduated from Pretoria Boys High School. Wanting to find more opportunities, Musk moved to Canada at age 17. He began studies at Queen’s University in Ontario and then transferred to the University of Pennsylvania after two years, where he obtained a dual bachelor’s in physics and economics.

As a young boy, Musk already showed a keen interest in computing and technology. In 1995, Musk moved to California to do a PhD at Stanford. Two days later, he dropped out in favor of pursuing different business ventures.

With his brother, Musk operated Zip2, a city guide software that Compact bought for $300 million in 1999. Musk started X.com, an online money transfer that later turned into PayPal, which eBay bought for $1.5 billion in 2002.

Major Enterprises: SpaceX, Tesla, and Beyond

Musk created Space Exploration Technologies Corp with the intention of using it for the exploration of Mars. As the CEO and lead designer of the company, he made the Falcon and Starship rockets. By 2002, he also joined Tesla Inc. as the head of product and chairman, later switching from energy to electric vehicles. He then started SolarCity, which became a part of Tesla, Neuralink, and The Boring Company.

Personal Life: Relationships and Family

Musk’s personal life includes several relationships and six children, including twins and triplets, out of a marriage with Canadian writer and Wilson, with the aid of IVF.

Musk and his ex-wife tragically lost their first child, Nevada, to sudden infant death syndrome (SIDS) when he was only 10 weeks old. They divorced in 2008. Musk has been married to English actress Talulah Riley twice, first in 2010 and again in 2013, ending in divorce. In 2017, he briefly dated Amber Heard. Since 2018, he has been romantically involved with Canadian musician Grimes, with whom he shares three children. With Shivon Zilis, a Neuralink executive, Musk also has three children, including two twins born in 2021 and a child born through surrogacy in 2024. Social media personality Ashley St. Clair claimed to have a child with Musk in 2025, bringing his total number of children to thirteen.

Overcoming Obstacles, Musk has had and continues to overcome multiple head-on financial, reputational, and personal controversies. His incredible work ethic has steered the direction of numerous companies toward success, carving out a place for himself as one of the world’s leading entrepreneurs.

Current Lifestyle and Interests

Musk works long hours across most of his companies, which is well known. He is deeply interested in science fiction and futurism. Recently, he made headlines for living a modest lifestyle compared to earning, like selling off personal assets and even expressing a desire to own less land. He has been involved in philanthropy, focusing on education, space exploration, and renewable energy.

Connection with President Donald Trump

Trump’s direct interactions with Musk have always been collaborative and contention from the independent standpoint of Trump taking on many bold policies throughout his presidency. Musk served on advisory councils during Trump and has publicly disagreed with policies, including climate change.

Daily Routine and Goals

Musk’s daily tasks are highly scripted and laid out for the week, with specific days for each of his companies. He further aims to amplify and hasten space exploration and the global shift towards sustainable energy while managing a company dedicated to augmenting humans’ potential. The time during the day is split into five-minute sections to achieve maximum productivity, each piece dedicated to a specific task.

In the pursuit of reshaping industries and technology for the better, Elon Musk serves as the best example of innovation, change, and the attainment of lofty goals.

https://youtu.be/xAq1GTU-JlM?si=Lbsk9REsiDaH5FM3

• This discussion was modified 1 month, 2 weeks ago by  Gustan Cho.

Value of Silver will outpace Value of Gold as precious metals skyrocket. Silver trade in a thin market. Plus Silver has investment Value as well as practical industrial Value. In 2011 Value of Silver doubled to $45 per ounce. Trading of Silver opened higher today. Start stacking Silver today.

https://youtu.be/jYV3vi-ysPk?si=oC1zFZqFGjY8B6AU

Summary of National Headline News Updated of January 3rd, January 4th, January 5th, and January 6th 2025, including Weekend News Update of January 4th and 5th 2025:

January 3, 2025

On January 3, the 119th U.S. Congress sat in session for the first time. Vice President Kamala Harris swore in the senators, and Mike Johnson was re-elected as Speaker of the House.

Janet Yellen To Be Nominated as U.S. Treasury Secretary:

• Joe Biden’s administration is set to nominate Janet Yellen as Treasury Secretary.
• Joe Biden blocks Nippon Steel’s $7 billion acquisition of U.S. Steel over national security concerns.
• According to Fox News on Saturday, a newly released report shows that the president has ordered the government to buy less from China and other foreign sources over concerns about supply chain vulnerability.

Surgeon General Calls For Cancer Warnings On Alcohol Bottles:

• Surgeon General Vivek Murthy suggests that alcohol bottles be marked with cancer warnings.
• This is because there is a clear link between alcohol consumption and cancer risk.

SpaceX launches United Arab Emirates Communication Satellite Thuraya 4-NGS:

According to ABC News, SpaceX launched its communications satellite Thuraya 4-NGS for the United Arab Emirates on Friday via a Falcon 9 rocket from Cape Canaveral Space Force Station in Florida.

January 4, 2025

Terrorism in New Orleans? So far, fourteen people have died after a terrorist attack took place on New Year’s Day. Homemade bombs filled with special explosives were used by the attacker, indicating the involvement of high-level terrorist training and possible connections with international terrorist organizations.

Winter Storm Blair Disrupts Central U.S.: According to NBC News, Winter Storm Blair caused major disruption across central the USA last Tuesday, resulting in four deaths.

Kansas City, Missouri, and Louisville, Kentucky, were particularly affected by heavy snowfall, with the latter receiving its heaviest snowfall in a quarter of a century. For instance, around 1,900 flights were canceled, and more than 254,000 utility customers lost power.

January 5th, 2025

Congestion Pricing New York City:

New York City was the first city in the United States to introduce congestion pricing for vehicles below 60th Street into Lower Manhattan and Midtown. This initiative aims to reduce traffic jams and generate revenue for public transportation improvements.

U.S. Provides Arms to Israel: The U.S. State Department informed Congress about an intended $8 billion weapons deal with Israel that includes air-to-air missiles, Hellfire missiles, artillery shells, and other ammunition, thereby enhancing their strategic alliance between the two nations.

January 6th, 2025

Election Results Certified By Congress: On January 6, amidst heightened security measures and a January 6 m, Congress met to confirm Donald Trump’s presidential victory earlier this year. Vice President Kamala Harris presided over the session, announcing election results formally without any altercation like last year’s event on January 6.

Shore Drilling:

In one of his final acts as President, Joe Biden banned new oil and natural gas drilling across most of America’s coastline to accomplish environmental objectives and mitigate climate change effects.

These events underscored important political shifts alongside environmental conservation and safety challenges experienced within the U.S. during the first week of January 2025.

What are differences between the Belgium Malanois compared to the German Shepherd? They look similar. Most people cannot tell the difference. Why are these two dogs look similar but have totally two different names. How are their temperament? Which breed is better? Which breed is smarter?Which breed costs more?

https://youtu.be/sCxRdklRpeU?si=LtzVHY5KNL8HxmdS

Here is an informative YouTube video on how to train your German Shepherd puppy in one week

https://youtu.be/ygn8B2FLcdM?si=7YDmQrQorog5LDJs

The yield on a two-year Treasury bond is typically calculated as the yield to maturity (YTM), which represents the total return an investor can expect to receive if the bond is held until it matures. The formula for calculating the yield to maturity on a bond involves several components, and it is a complex equation. Here’s a simplified explanation:

YTM = \left( \frac{{\text{Face Value}}}{{\text{Current Price}}} \right)^{\frac{1}}{{\text{Time to Maturity}}} – 1

Where:

Face Value

Face Value is the nominal value of the bond.

Current Price

• Current Price is the current market price of the bond.
• Time to Maturity is the remaining time until the bond matures.

This formula assumes that all interest payments are reinvested at the same rate as the bond’s current yield to maturity. Keep in mind that bond prices can fluctuate in the secondary market based on various factors such as changes in interest rates, economic conditions, and investor sentiment.

It’s important to note that the yield on a bond is inversely related to its price. As bond prices rise, yields fall, and vice versa. Bond yields are often expressed as an annual percentage. The yield on a Treasury bond is considered a benchmark for interest rates and is closely watched by investors and policymakers.

For more precise calculations, including adjustments for coupon payments and compounding, financial calculators or specialized financial software are commonly used. Additionally, financial institutions and websites often provide up-to-date yield information for various Treasury securities.

https://www.youtube.com/watch?v=iBnxyt5lmRo

• This discussion was modified 1 year, 1 month ago by  Ann.
• This discussion was modified 3 months ago by  Sapna Sharma.

Comprehensive Daily Headline News for Tuesday, January 7th, 2025, which includes the economy, inflation, unemployment, bankruptcy, foreclosure, politics, stocks and bonds, corruption, and factors affecting Americans.

The United States is experiencing significant developments across various sectors as of January 7, 2025.

Economy and Inflation

Economic Growth:

• Projections are that the US economy will grow by about 2.2%- 2.5% in 2025 due to full employment and price stability.

Inflation:

• Personal consumption expenditures (PCE) rose by 6.4% in 2023, with Florida leading at a growth rate of up to 8.1% and Iowa at a low pace of only 4.7%.

Bureau of Economic Analysis

Unemployment and Job Market:

Job Openings:

• In November 2024, there were 8.1 million job openings, up from the forecasted 7.7 million.

Services Sector:

• The ISM’s non-manufacturing index for December rose higher than predicted, indicating strong service sector activity.

Stock Market and Bonds

Treasury Yields:

• With strong economic data, US Treasury yields have hit an eight-month high, with the government bond yield on a ten-year note reaching around 4.7%.

Stock Market:

• Positive economic data pushed the S&P 500 and NASDAQ downwards on concerns that the Federal Reserve’s interest rate policies could be affected.

Politics

Presidential Election:

• On January 6, 2025, Congress confirmed Donald Trump’s re-election as President during the recent presidential contest held in 2019, marking his return to the White House.

Debt Ceiling Concerns:

• According to Fitch Ratings, the debate on the US debt ceiling is not likely to be resolved promptly, even though Republicans control the government due to fights over spending within the party.

Corruption and Legal Matters

Trump’s Legal Challenges:

• Jack Smith, a special counsel, reports on his criminal cases against Donald Trump to Merrick Garland, an attorney general.
• Trump’s legal team wants this report kept confidential and has called it an “unlawful political stunt.”

Factors Affecting Americans

Climate Risk Considerations:

• Home buyers increasingly turn to climate risk assessments in evaluating properties, such as platforms like Zillow, that offer climate risk scores indicating potential damage from flooding, fires, and winds for the next 30 years.

In conclusion, the US negotiates a tricky terrain with strong economic indicators, political turnovers, and emerging issues in climatic risks of fiscal policies.

Google introduced new tools for website owners, including owners of social media sites and discussion forums, who want to make a higher presence of their content in Google’s search results. The algorithm changes includes Google’s prioritizing of user-generated web content over SEO-optimized junk, which has increasingly become a problem on today’s modern web. In May, Google first rolled out a new “Perspectives” search filter that would highlight posts from discussion boards like Reddit, Q&A sites like Quora and social media platforms in its search results. The feature, which first arrived on mobile, was launched to desktop users earlier this month along with other search changes.

The company also said its ranking algorithm was being updated to push more of these firsthand perspectives higher in search results so they’re easier to find.

With the new tools, Google is giving websites hosting first-person perspectives the ability to signal to the search engine how their data is structured so their content will be featured both accurately and “as complete as possible” in Google’s Search Results, the company explains.

For example, with the new ProfilePage markup, any site where creators post content will be able to showcase their creators’ profiles directly in Google Search results, including information like their name, handle, profile photo, follower count or the popularity of their content. Both Google’s Perspectives feature and its Discussions and Forums feature can make use of this type of markup.

developers.google.com

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Where are Mortgage Interest Rates at now and where are Mortgage Interest Rates headed?

I had credit scores of 480 on 1/07. I have paid all my collections and have not missed any payments or house payment since 1/07. My score is now 580 and 633. What else can i do, like removing lates for my credit history?

My credit score is high at 705, but my DTI ratio is rather high at 57% how can I get myself a low interest home loan for a first time homebuyer? Any advice would be greatly appreciated.

That’s it, I’m looking to refinance. Initially quoted me a 30-year fixed at 6.5% in March, but when the underwriters got through with me it was a 30-year interest-only with 8.25%. Not happy! Nevertheless, my lender – LendingTree.com- grants returning customers a refinance at NO costs.
The general situation is here. Any advice appreciated.
I owe CC debt approx $60K (AVG. APR 6.5%)
I have Interest only Home loan (8.25% $366K, 100% financing)
I earn 7K/month
Net Current monthly liabilities $6,200 (cc payments, mortgage, insurance, etc)
I have cash of $20K
Credit score 680

What to do with the cash? Am I to pay off some of my CC debt to boost my credit score or make a down payment to get a better mortgage? How about buying points, and which way is the lending market looking to go within the next 6 months?

Is Kamala Harris the best candidate The Democrats have to face former President Donald Trump for 2024 Presidential Election? Are the Democrats that desperate of having a semi-descent candidate for President? Do Democrats think the American people are that stupid? Do Democrats need to name Kamala Harris, the person who slept her way up the political latter? Kamala Harris slept with former San Francisco Mayor Willie Brown to kick off her political career. Kamala Harris is not too smart. Many people cannot believe how she even became a lawyer let alone District Attorney of San Francisco, Attorney General of California, United States Senator, and Vice President of the United States. Now she is running for President? OMG. What has Kamala Harris ever achieved in her political career. Watch this video clip about Kamala Harris.

https://www.youtube.com/live/RcsRfo16ZC8?si=gFA0rsAlw8iu0KLU

Most Americans are aware that many people from different walks of life hate former President Donald Trump. I have never witnessed the hatred people can have against one person. I will try to keep the tone of this post as objective and neutral as possible and base the content on FACTS. I want to compare which candidate is the best leader as President to be the Commander in Chief of the United States. Suppose you can focus on facts and comment on which candidate will be the best President in the best interest of America and the people of the United States so we remain the leader of the free world . In that case, we can Unite our country and get back to being Americans with one goal in mind: What’s best for our livelihood, the livelihood of our children, the livelihood of our grandchildren, and the livelihood of our future generations? The way our country is divided and the hatred that exists is not healthy. It’s more of a crisis and equivalent of stage 4 cancer. More and more Americans are beginning to speak out and not remain silent. Nobody is above the law. Not Trump, Not Biden, Not Kamala Harris. We don’t have to like or love Trump. However, take a step back and compare Joe Biden, Kamala Harris, and Donald Trump. Who is the best man for the job? Who’s the man who can get us out of the rathole we are in? Who is the man who can get rid of the lying, corrupt, and politically infested system that is destroying America ? Let’s get a thread on your thoughts and opinions on making America a country that the entire World would envy. Let’s brainstorm and become a country of the people. A country of honesty, integrity, pride, honor, and the country helping and caring for people. Let’s decimate corruption, fraud, Treason, and criminals who commit crimes against humanity.

https://youtu.be/IxLRdE5kOkU?si=YIHoVsKn9IXECYaU

https://youtu.be/IxLRdE5kOkU?si=YIHoVsKn9IXECYaU

Here’s a few pics and videos of Chase.

The Tale of Chase and His Half-a-Ball: A Long-Haired German Shepherd Love Story

There are dog lovers, and then there are staunch “my-dogs-are-my-co-pilots, my-shadow, my-ride-or-dies” type of dog lovers. My wife and I? Definitely the latter. And it all began with Chase, our Long-Haired German Shepherd born on 25th January 2023; a majestic and fluffy, fiercely loyal, and ridiculously stubborn dog with one very peculiar obsession: his prized possession, half-a-ball.

The Ball that Never Dies

Chase adored a particular toy above all others: a red ball. But let’s make no mistake—this is not a ball, and once it even ceased to exist. A long time ago, it did, and in fact Chase loved to fetch it—round, smooth and completely undamaged. However, now? Well, now it resembles an object of interest that has been subjected to a brutal archaeological dig. It overflows with bite marks, is disfigured beyond recognition, is in need of surgery, and quite frankly, had physics not intervened, would have ceased to exist by now.

As dutiful dog guardians, we engaged in speculative thinking. Why do we not attempt to acquire a new ball for him? Or, alternatively, how about two dozen brand new red balls that are identical to the first one? Since it was clear to us that the only issue was his lack of options. Makes sense, right?

No, not at all.

When Chase came out to play, he was greeted by several pristine new balls. Instead of running towards them like a sane dog, he sniffed them thoroughly and walked away as if he had just seen the antichrist. He didn’t even bother touching the fresh balls because at the end of the day, all he wanted was his half-ball. His one true love, the ball most people would disassociate with, is a half-chewed, nearly unrecognizable, blended piece of rubber that is coated with slobber. No other ball comes close to it.

Meet Skylar and Floppy: The Sister Duo

At this point, I am sure you have also deduced that Chase is our favorite dog in the family. For reasons that I am sure will be explained later, we can’t be normal people and leave him all by himself, hence, we got him two sisters. Now Chase was born on January 25, 2023, and so were his new sisters, making him a year older than the two. We surely love a good symmetric story.

Floppy most accurately describes the look of confusion, her ears thrown in different directions, give her a quirky, cartonish look style that can be also described as outright unique. Together with Skyler, who serves as the more excitement-driven dog, they have singlehandedly changed Chase’s life for the better, but the worst for Chase’s owners. The sweetest part? The lovely, heart-melting chaos they create while together.

The Three Musketeers (And Their Chauffeur—Me)

These three are a tight-knit group, and it is amusing to note that they would take my job if given the chance. They sit in the front row of the car when we go for rides together, which is a must. It gets pretty crowded because Chase assumes the shotgun role, while Skylar and Floppy scrunch up at the back like two misbehaved toddlers on a family trip.

As I am idling at stoplights, Chase scans the pedestrians and judges every single person’s life decisions while Sklyar and Floppy use the chance to bark at random objects. It is hard to get any gas without an event happening either. Whenever I leave the car unattended, all three dogs treat me like I am abandoning them and press their noses on the window as I step away until I come back.

The Ball Conspiracy Continues

With the arrival of two new sisters, one would assume that Chase would loosen up over the ball. Chase doesn’t share, nor does he seem inclined to. Everyone is baffled along with Skylar and Floppy because they are unaware of his bizarre dedication to the mangled ball. Those two other dogs would much rather chase the new red balls, which frustrates Chase to no end as he sits and perpetually observes the younger dogs, shaking his head in disbelief.

Now and then, Floppy makes an attempt to capture Chase’s half-ball to try understanding the excitement surrounding it, which is always an awful decision. Chase always gets it back with all the fervor of a person who is safeguarding the final piece of pizza at a party.

Life with The Trio

Our lives now center around three enormous, cute, spoiled, and incredibly funny dogs. Some bone of contention includes but is not limited to:

Chase still not accepting the fact that his ball is not a ball anymore.

Skylar being the main culprit of mischief.

Floppy attempting to act like a baffled potato.

All of them fighting for a ride in the car as if the car belongs to them.

We would not want it any other way.

So, if you ever spot a car zooming past with three extravagant Long Haired German Shepherds- one inconspicuously gripping a half-ball in his mouth while the other two stare in perplexment- you now have an idea as to who we are.

And if by chance you have a chewed up, barely recognizable red ball that is too damaged for any normal person to use, then to you Chase may just consider you his best pal.

P.S. Your guess is as good as mine on how we can convince Chase to replace the beloved trinket he keeps with a brand new, whole red ball. It’s safe to assume that whatever he has will remain.

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

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Whatever the Biden Administration and the mainstream media network is telling you how great Bidenomics is and how great the economy is, that’s a lie. Home Depot is facing a decline in revenues year over year. McDonald’s is struggling. The construction industry is struggling. Home prices are plummeting. Inflation is not at 3%. It’s more like 100%. Stay tuned.

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Gustan Cho Associates has a national reputation for being able to do mortgage loans other lenders cannot do. What makes Gustan Cho Associates different than the competition? Over 80% of the borrowers of Gustan Cho Associates are folks who could not qualify at other mortgage companies. How can I find out more about Gustan Cho Associates and get introduced to a mortgage loan officer. Gustan Cho Associates is a one-stop lending shop. They are experts in business funding, commercial loans, and traditional and alternative residential mortgage loans.

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What is the difference between a rate and term refinance, and an FHA and VA Streamline Refinance?

Gustan Cho is the President of Mortgage Sensei and the CEO of Lending Network Inc. Both positions place him at the helm of influential financial organizations within the mortgage and lending industry. Here’s a bit more about each of these roles and the respective organizations:

Gustan Cho

• Role: President
• Focus: Gustan Cho is likely to provide mortgage solutions, consulting, and educational resources for consumers and industry professionals.
• Services: The organization may offer various services, including mortgage brokerage, loan origination, and mortgage education.

Lending Network Inc.

• Role: CEO
• Focus: Lending Network Inc. operates as a comprehensive lending service provider. It may offer various loan products, including residential mortgages, commercial loans, and other financing solutions.
• Services: The company likely provides financial products and services aimed at helping individuals and businesses secure the funding they need. This can include everything from personal loans to large-scale commercial financing.

Contributions and Impact

• Leadership: As a leader in these organizations, Gustan Cho plays a key role in strategic decision-making, business development, and overseeing daily operations.
• Industry Influence: His positions suggest a significant influence in shaping the direction of mortgage lending practices and policies within the industry.

Contact and Further Information

• For more detailed information about Gustan Cho’s work and the services offered by Mortgage Sensei and Lending Network Inc., it would be beneficial to visit their respective websites or professional profiles on business networking sites like LinkedIn.

Unfortunately, detailed information about Gustan Cho’s work and the services provided by Mortgage Sensei and Lending Network Inc. may not be readily available in the public domain. If you require more precise details or wish to contact these organizations directly, consider reaching out through their official websites or professional contact channels.

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• This discussion was modified 1 month ago by  Sapna Sharma.
• This discussion was modified 1 month ago by  Sapna Sharma.
• This discussion was modified 3 weeks ago by  Sapna Sharma.
• This discussion was modified 2 weeks, 6 days ago by  Sapna Sharma.

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