I am a pizza! Caio! I came to this country from humble beginnings, not sure exactly where or when. But, I know I am Italian by birth, somewhere in the south, maybe Naples or Rome. I’m a simple dish made from flour, tomatoes, and cheese; yes, I have evolved and morphed into something entirely different.

Many other countries claim I am theirs; that’s because they all have flatbread with some cheese and tomatoes. I’ll tell you what I wasn’t born with: pepperoni, pineapple, and other toppings. No pepperoni in Italy; it’s soppressata, an Italian sausage.

Gennaro Lombardi was the first Italian to introduce me to America. I grew up on the Lower East Side of Manhattan, 23 1/2 Spring Street in Little Italy, a block away from Mulberry Street. I’m still here after 120 years. He took his recipe from Naples, Italy. Although pizza varies from Italian province to Italian province, I’m still basically the same.

Roman makes oval pizza, Naples’s pizza is round, and Sicilian pizza is square. Now we have thin-crust and deep-dish pizza. New York pizza is different from Italy; in New York, you walk down the street with the pizza folded and olive oil dripping down your arm. The only toppings I’m okay with are anchovies, olives, oregano, and red pepper. I don’t need much; fresh basil is nice to make a Margarita pizza. This pizza displays the color of the Italian flag, red, green, and white.

I really think I am the most popular food in the United States. Lots of countries take credit for me. I was called focaccia, just a flatbread, 2000 years ago. I have seen many things in my life. Did I ever tell you the time I first witnessed wine being discovered? I mean, what goes better with pizza than red wine.

So, I’m lying around just cooling off after just coming out of the oven, waiting to be devoured. All of a sudden, these Romans start throwing all these discarded pieces of fruit, mostly grapes, into a huge terra cotta vat in the corner. After a few days, it began to stink! It smelled like rotten eggs, which I learned was H2S, Hydrogen Sulfide. Whatever gave the Roman Centurian the idea to drink it? I thought for sure he would get sick and vomit. Instead, he suddenly turns to address the Roman Senate and says, “It needs more time.” Two weeks later, the rotting fruit turned into my favorite beverage – wine.

The same was true for cheese years ago; you encourage this mold to grow. The mold is yeast and is cultured into cheese. Many kinds of cheese really stink, so my question always was, “How do you know when cheese is bad?” You can just cut the mold off and eat the rest. I prefer “muzzarella,” aka mozzarella, made from Italian buffalo. The fresher, the better. Yes, I know “muzz” is hard to melt; that’s why the oven is over 1000 degrees.

I love when olive oil is drizzled over me; it tickles! The olive oil simmers, the cheese melts, and the tomatoes are cooked. Boy, do I smell good! I don’t even feel the pizza cutter slice through me. I am a pizza! I am round, square, and oval. Any way they make me; I am a pizza! Bon Appetite!

Here’s a funny comedy short from the Johnny Carson show

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Part 2 - Tommy Smothers Walks Out As Johnny | Carson Tonight Show | Part 2 - Tommy Smothers Walks Out As Johnny | Carson Tonight Show | By Video Funny1980Facebook

Part 2 - Tommy Smothers Walks Out As Johnny | Carson Tonight Show

I went to the toy store the other day to get me granddaughters a doll. They had a Muslim woman talking doll! She didn’t say much so I stared at her for awhile and I was scared shit to pull the string!

I hear the government is installing chips in everyone, that’s cool as long as mine are Doritos.

The Grapevine…

I have always liked reading weekly or daily columns by Earl Wilson, Herb Caen, Jimmy Breslin, etc. This will be the first of a weekly column, mostly about real estate-type businesses. Here are my two cents.

I heard that buying or selling a house right now is as difficult as putting a square peg in a round hole. All y’all know better than me. My wife and I have been working with a realtor in Tampa, Donna Davidson. Bless her Irish soul! She is great to work with. My wife and I found a house in Ocala, Florida, and called Donna with two other listings, all within ten minutes of each other. Donna was, at the time, visiting her sister on the opposite coast and said maybe if she called ahead to the listing realtor, that’s exactly what she did, and she spoke to Ortiz, who was handling one of the listings. Donna asked if he could possibly show the two others; his response was yes. ”We realtors have to stick together.” He was more than happy to do so and contacted my wife. They spoke briefly on the phone as I chimed in that I would give him $50 cash for his trouble. He agreed at 10 a.m. Friday morning, just before 10:30, the time we were leaving, to make the hour and a half drive to Ocala for a noon appointment. At ten minutes to twelve, he calls my wife—mind you, we are ten minutes away—and changes his mind. He now says he wants Donna’s 3% commission on the two other listings, and, get this, he wanted 6% on the house he was showing! He wanted me to screw my realtor broker and collect fifty bucks. Being the New York City boy as I am, I said, Well, you really don’t want to know, and I cursed at him like I was a drunken sailor who hasn’t been on shore leave for two years. We immediately made a u-turn and headed back to Tampa. I turned to my wife and said in my best mafia voice, “Now he’s got nothing.” I’m supposed to be buying from this guy and trusting him, and he’s screwing me even before we meet. I will only give you one chance to be trusted; if you fail, there is no second chance. He had a one-in-three chance of us buying his listing, plus he would have a crisp Grant in his pocket. Now he’s got nothing. Is this common? Also, while I’m at it, who determines the percentage rate for the realtor? Some realtors state 1.75% or 2%. What’s that all about?

Let’s get back to realtors: who do they work for? I am always confused about the buyer or the seller; they can’t sell a house without the owner, right? That’s where the cash is being generated. So they work for you, the owner. However, they play footies with the buyer, saying, “Don’t worry, we can get them down in price.” When my wife and I sold her previous house, we used. Nice people, so I thought they just wanted the listing. When we had a prospected buyer, I knew right away by the sidebar conversations that something was brewing and it was rotten. They asked me if they could have someone inspect the roof, and I agreed. The buyer brings one of his drinking buddies, wearing sneakers and a roofer. They ascended the ladder; they had no tools, had a little pow wow, and left without saying a word. People must think I’m a complete idiot; I am street smart! I have an IQ of 185 on the street! I look and sound like I came out of central casting for a mob movie. You are not pulling any wool over my eyes. Within minutes, our realtor, remembering the person working for me, calls and says in an excited voice, ”You need a new roof; the next strong wind will rip it right off!” I’m smiling and saying to myself, Are they for real? I responded to her, sort of like the drunken sailor, and told her to pick up her sign,For Sale,” which would be in the street. I pulled that sucker out of the ground as if it were a strong man’s cement or wood post and tossed them far in the street. They never came back for the sign, so I kept the 4×4 post and trashed the sign. So I ask again: who does your realtor really work for?

You heard it through the grapevine.

Do you enjoy wine? Of course you do! Do you know why? Do you pay attention to wine speak? So many frauds out there that think they know wine. The aroma reminds of wet dog, with a lingering mouth feel that’s tastes like… you can fill in the rest. Many people talk dry, but drink sweet. Yes, most wine drinkers enjoy reds, I enjoy all of them they all have a place at the table. From a Romanee Conte to a white Zinfandel. And screw the theory of white wine only with fish. If I’m grilling salmon it’s a Pinot noir all the way. Okay, enough for know if you want to learn more let’s chat. By the way I’ve been drinking wine since I was seven. I’m Italian after all. I studied viticulture, grew grapes, made wine, won medals. Taught home wine making I am a sommelier or a better description, A Wine Guy, a moniker I have had for years. For more information about me let’s talk.

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+

Former President Donald Trump indicted for four felony counts. Two indictments are two state charges and two indictments are federal charges. President Trump’s indictments court trial started last week. President Trump is the first former President of the United States to be charged after leaving office. We will cover the charges on the indictments on the following sub forums. Here’s a short video clip explaining Former President Donald J. Trump’s charges on his indictments.

https://youtu.be/wVcNg83EgUc?si=sM-PAFfOkc6k_A-P

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

Any loan officers or real estate agents know about the new federal law on non-competes for NMLS licensed loan officers?

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Mike Kortas

I am super excited about the new rules for non-competes. These have been abused by so many mortgage companies hurting Loan Officers. It’s about time Loan Officers have the right to feed their...

Mortgage brokers maximum compensation or yield spread premium is 2.75% paid to the mortgage broker by the wholesale mortgage lender. However, some mortgage brokers want to get paid less such as 2.50% or 2.00% compensation or yield spread premium. I know some mortgage brokers who have 1.50% compensation plan set up. If I worked for a mortgage broker or owned my own mortgage brokerage company, can I set up various different types of compensation plans with different wholesale mortgage lenders. For example, 2.75% compensation plan with AMG, 2.25% with the Lender, 2.00% with Provident, and 1.50% with United Wholesale Mortgage? I was recommended to as @CAM-THE-MAN Cameron LeClair because he is a senior member of this forum and well respected and extremely knowledgeable. Thank you in advance.

If you want to get paid 1099 as a loan officer you need to surrender getting licensed in the following states.

1. Nevada

2. Hawaii

3. Illinois

4. Mississippi

5. NEBRASKA

6. New Jersey

7. North Carolina

8. South Carolina DFI: SC DCA NO W2

9. Georgia

10. Vermont

11. MA

More and more states are allowing loan officers become 1099 wage earners. We will update this list as states update allowing 1099 wage earner for loan officers.

• This discussion was modified 9 months ago by  Gustan Cho.

I am looking at buying a RVPark- that is currently cashflowing at a 7.5cap – I am looking at changing the model a bit and infusing capital plan to add capsule airbnbs and boat storage (20) frames are already built. The Property is 10 acres – less than 2 miles from a lake that has over 6 million visitors a year. It is located 30 minutes from 2 of the largest casinos and also 3 state parks. I am wondering if someone could finance on projected dscr. Any help would be great. I will post some designs of the homes and some of the land later today.

Join us this afternoon with CEO Mike Kortas on WHY NEXA Mortgage at 1 pm CDT. Every Thursdays 1 pm CDT on WHY NEXA Mortgage is where you should start your mortgage loan origination career. CEO Kortas is hands down the best Chief Executive Officer in the mortgage industry hands down. If you can’t make today’s WHY NEXA MORTGAGE ZOOM call with CEO KORTAS, CEO Mike has a WHY NEXA MORTGAGE ZOOM CALL every Thursdays at 1 pm CDT

Here’s the link

https://www.zoom.us/j/4802285442

• This discussion was modified 1 year, 2 months ago by  Gustan Cho.

Why is is so difficult to get a mortgage loan on a home that sits on large acreage

Jeffrey Epstein has made international news as the pedophile of the stars. Famous people like Former President Bill Clinton, Bill Gates, Prince Andrew, Oprah Winfrey, AL Gore, Kathy Griffin, Charlie Sheen, Dustin Hoffman, Henry Kizinger, Dan Sneider, George Mitchell, Naomi Campbell, Phil Campbell, Steven Colbert, Sean Carter, Alec Baldwin, Dustin Hoffman, Phil Collins, Sreven Spielberg, Kevin Spacey, Joan Rivers, Charlie Rose, Seth Green, Tom Hanks, Ralph Fenese, Janice Dixon, former New Mexico Governor Bill Richardson, Richard Brandson, and several hundred politicians, actors, and CEOs of large corporations. So who is this king of pedophiles and pedophiles who befriended this child molester and monster. Here is a 60 minute special on who Jeffrey Epstein is

https://youtu.be/VQOOxOl9l80?si=e1l_X8US2RDjL6QV