There’s a video series about several pet monkeys. Little pet monkeys are extremely intelligent and cute. They are no different than having a little kid that normally behaves. Each pet monkey has its 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

Here is a list of possible headline news for Monday, February 10th, 2025.

Headline News For Monday February 10th 2025: President Donald J. Trump is making great strides in making America Great again. Elon Musk, the head of DOGE (Department of Government Efficiency) is making great strides in cracking down of trillions of dollars that has been missing from USAID. It seems billions and trillions of dollars of government funding has been unaccounted for. That is just one government agency. There is talks that the $100 million dollars in aid to Ukraine has not been given to Ukraine but funneled through members of the Democrat party. There are many uncertainty going on after Donald Trump took office and the American people needs answers. The U.S. Department of Education is next to get audited by Elon Musk’s DOGE. How can a politician make millions of dollars when they only make an annual salary of $170,000 a year. U.S. Congresswoman Alexandria Ocasio Cortez, who just 8 years ago was borderline homeless and a bartender is now worth $30 million. Chelsea Clinton alledgedly spent 85 million on her extravagant wedding. This breaking news are not proven facts but just assumptions and allegations that politicians used government agencies like the USAID, the Department of Education, the Pentagon, the Human and Health Services, HUD, and other federal agencies to funnel taxpayer dollars. In the meantime, President Donald Trump’s Border Czar Tom Homan is doing the job he was assigned to do by gathering teams of the U.S. Border Patrol, Immigration and Custom Enforcement, the FBI, and agents from the Drug Enforcement Administration to make arrests and start the deportation process in Sanctuary Cities and Sanctuary States starting in Chicago, Illinois, Boston, Massachusetts, Denver, Colorado, New York City, and cities in New Jersey. Peter Hegseth was confirmed as secretary of Defense, Pam Bondi was confirmed as U.S. Attorney General, and Kristi Noemes confirmed as Secretary of Homeland Security.

Headline News for February 10th, 2025

Global Commitments Added At The Climate Summit Paris

At the Global Climate Summit held in Paris, world leaders equally met to summit and set new ambitious milestones for combating climate change and achieving lower carbon emissions by 2030.

Tech Exhibit Reveals New Technologies, Arguments Follow

Ethical and regulatory discussions were sparked at the annual Tech Innovators Conference after major companies exposed their advancements in AI Technologies, especially in the case of ethics being sued.

Survey Seeing Quadruple Improving Employment Figures Plus Inflation

The recently published economic reports reveal that the US job market is recovering steadily and significantly. Meanwhile, inflation continues to be challenging, particularly for consumers and policy strategists.

NASA Mars Mission Taking Off For The Historic Journey

NASA has successfully launched its latest mission for Mars exploration. The team plans to examine the surface of Mars further and look for traces of ancient life that existed there.

Passed Bill For Health Reforms By Congress

In a landmark decision, Congress approved the recently tabled healthcare reform, which promises millions of Americans better coverage alongside lower prices for prescribed drugs.

Half-Hour Soccer Game Outshining The Rest Of The Showboxing Show

The Super Bowl was the topmost tournament with the highest rate of spectators and participants. It displayed an electrifying contest featuring two leading award-winning groups.

Residents Protest Local Environmental Issues – Communities Taking Action

In several towns, citizens have taken to the streets to petition and protest due to the negligence of their local authorities regarding pollution and environmental concerns.

New Research Indicates A Correlation Between Diet and Mental Health

A shocking new study has been released highlighting the important connection between mental health and nutrition. Many health experts have called for new and improved dietary policies to be put into place.

These headlines depict a blend of international, domestic, and regional issues that may be of public concern and be featured in the news of the different sectors.

Pam Bondi, the newly appointed Attorney General has sued Sanctuary City Mayors and Sanctuary State Governments and vowed to withhold federal funding until they comply with federal law. Federal law supercedes local and state law.

California Governor Gavin Newsom’s Mismanagement has Santa Ana winds forcing wildfires to a new catastrophic level. January 8, 2025, marks one of the worst wildfire emergencies in Los Angeles’s Pacific Palisades neighborhood. The Palisades Fire was amongst its most destructive fires historically.

Fire Progression and Impact

Size and Containment:

• In no time, the Palisades Fire has expanded to consume over 15,832 acres without containment.

Destruction:

• This fire burned at least a thousand structures and broke the Sayre Fire (2008) and Bel Air Fire (1961) records.

Casualties:

• There have been five confirmed deaths as well as many casualties, such as a firefighter aged twenty-five years who suffered serious head injuries.

Evacuations:

• Around 70,000 residents have been required to leave their homes by law, and shelters are being used to house them.

Contributing Factors:

Weather Conditions:

• Strong Santa Ana winds, with gusts of more than 100 mph and very dry conditions, have spread the fire far more quickly and hampered efforts at containment.

Power Outages:

• Due to the fires, approximately 400,000 customers in Los Angeles County and surrounding areas have no electricity.

Community and Culture:

Historic Sites:

• This includes Will Rogers State Historic Park, which has lost its Stables and Will Roger’s house, and Topanga Ranch Motel in Topanga State Park.

Educational Institutions:

• Palisades Charter High School and Palisades Elementary School suffered severe damage, which disrupted education for many learners.

Entertainment Industry:

• The Critics’ Choice Awards and several movie premieres are some cultural events postponed or canceled due to this predicament.

Emergency Response:

Government Action:

• Governor Gavin Newsom declared an emergency and obtained federal support against these flames.

Firefighting Efforts:

• Over 1,400 firefighters are fighting the firestorm with help from other states’ resources.
• Harsh weather conditions led to an array of problems.

https://youtu.be/BeaHDHYJAqA?si=7frG0Hq1odigks7U

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

National Daily Comprehensive Headline News, including the latest Southern California wildfires, inflation, stock and bond markets, rates, and overview of important news in the United States for Friday January 10th, 2025. On January 10, 2025, there will be a roundup of major national news covering the fires in Southern California, economic indicators, and national markets.

Southern California Wildfires:

Wildfires are raging in southern California, and roughly 36,685 acres of land have been burned, mostly in Los Angeles and Ventura counties. Palisades Fire, Hurst Fire, and Eaton Fire are the main ones. These fires have resulted in the death of not less than ten people, destruction or damage to over 13,400 structures, and evacuation of close to 180,000 residents. Adding to the problem are severe Santa Ana winds that blow with speeds above 80-100 miles per hour and dry weather conditions. Authorities are examining the causes emphasizing extreme climate patterns.

Economic Indicators:

Employment Data:

• In December alone, the U.S. economy added more jobs than anticipated – a total of 256 thousand – thereby reducing unemployment rates.
• This noteworthy increase in employment suggests a robust labor market that could influence the Federal Reserve’s monetary policy choices.

Inflation Concerns:

• Anticipated import tariffs have pushed consumer inflation expectations, leading to concerns that prices may rise in the coming months.

Financial Markets:

Bond Market:

• Following yesterday’s strong employment report, U.S. Treasury yields jumped, with the 10-year yield nearing five percent.
• This change reflects investors’ readjustment of their forecasts for Federal Reserve interest rates.

Stock Market:

• The main U.S. stock indices fell, including the S&P500 (1.5%), DJIA (1.4%), and Nasdaq (1%).
• Investors worry that continued economic strength may mean higher interest rates, impacting corporate earnings and valuations.

Outlook on Interest Rate:

• The Federal Reserve, which started to cut rates in September 2024, is now expected to maintain current interest rates for longer.
• Some analysts argue that the Fed may contemplate raising rates in 2025 if inflationary pressures intensify.

Other Developments

Corporate Bond Issuance:

• Major American companies are issuing bonds faster and faster to capture current borrowing costs, keeping rising Treasury yields in mind.
• This week, $62.7 bn was raised across 39 issuers—a record.

Public Health Emergency

The U.S. Department of Health has declared a public health emergency for California due to wildfires to facilitate federal help for affected communities.

In summary, America faces several challenges, including huge wildfires in Southern California and economic dynamics marked by strong employment numbers, increasing inflation outlooks, and unstable financial markets.

• This discussion was modified 1 month, 1 week ago by  Tom Miller.

Lennar Homes are slashing their new home prices by 25% in 2024. CEO of Lennar admits their mortgage division is experiencing delinquencies and a higher number of debt to income ratio from consumers. Lennar Homes is America’s second largest New Home Builder.

https://youtu.be/6mmQ2TEoK-g?si=nj2aidmYgL_awc8N

Crucial developments are changing the country as a whole in the US as of 18th December 2024.

A detailed summary is given below: Political and Government Measures

Banning of US investments in China

The American Congress is about to vote on the laws prohibiting Americans from investing in Chinese technology, targeting artificial intelligence and microelectronics. This effort is designed to resolve issues regarding national security as it shows measures to concern about the packages to fund the government so that federal activities continue until the middle of March.

Renovation of RFK Stadium

The American Congress has passed a bill that will allow Rexon to redevelop the RFK stadium in the district ardent S Senior Sc and lease it for 99 years. This will allow the Washington commanders to return to their esteemed location rent-free.

Economic Indices Housing Market Update

US single-family home building saw a strong upturn in November after a slump caused by the hurricane. US housing starts were up by 6.4%, reaching 1.011 million units on an annual basis. Recent cuts in interest rates by the US Federal Reserve have seen the average 30-year fixed mortgage rate floating around 7, affecting the housing market as well.

Transportation and Communication

Increase in the Number of Flights Operating from Washington Reagan National Airport

The US Department of Transport has confirmed five extra daily round trips from Washington Reagan National Airport.

Flights to STL, Seattle, San Francisco, Las Vegas, San Diego, and San Antonio will soon be available through United, American, and Delta airlines. These are new developments that will be available in 90 days.

Sports Segment

Significant changes have occurred recently for the Washington Commanders, who have signed Tyree Jackson as a Tight End on their practice squad. Additionally, their week 17 game against the Atlanta Falcons has been moved to SMT for its playoff participation. The team is currently reviewing the legislative news regarding the RFK stadium location.

Safety and Education

A tragic mass shooting incident took place at the Abundant Life Christian School located in Madison, Wisconsin. The Authorities stated that a 17-year-old child was the perpetrator, opening fire and killing two children while injuring five and eventually killing himself, all during a school event. The community is left devastated, and the police are investigating the shooting.

Technology/ Security

Various regions in New Jersey are beginning to voice concerns regarding the unidentified drones hovering over the area.

Federal agencies are investigating these events and the reason for the use of drones and have urged the public to report unusual drone activity.

Transitioning Politics

Donald Trump has been regularly making cabinet announcements and policy appointments, with recent updates about the current presidency and electoral results. Discussions are ongoing about decreasing funds for the implementation of charging stations and defunding electric cars, which suggests a change in energy and environmental strategies as a result of the new president.

This would encompass varied political events within the United States, new policies, economic reports, infrastructural growth, sporting events, and safety from farm technological growth.

Mortgage and Real Estate News Weekend Edition: Market Wrap-Up Update (December 16 – December 21, 2024):

Mortgage Rates

Current Rates:

• The average 30-year fixed mortgage rate is steady at 6.4% as of December 21, with the average fifteen-year fixed in the 5.8% region.
• The ongoing stability during a slow period provides some relief to home buyers.

Market Influences:

• Inflation figures and the Federal Reserve’s message on the likely direction of interest rates have contributed to fluctuations in existing economic indicators, keeping mortgage rates slightly further tempered.

Home Sales Activity

Existing Home Sales:

• In November, the National Association of Realtors registered a surge of 1.5% in existing home sales.
• This increase signals a boost in buyer activity for that month, caused primarily by seasonal changes and a subsequent boost in buyer activity.

Pending Home Sales:

• The market shows signs of strength going into the new year, as pending home sales also bumped by 2.3% during November.

Housing Inventory

Inventory Levels:

• Despite the increase in sales, housing inventory remains tight.
• The current supply of homes is around 2.7.
• This number is fairly low compared to the historical average of six over the months.

New Listings:

• In December, new listings noted an increase of 4%, which is commendable.
• This further shows that despite sellers’ affordability challenges.
• There is still a willingness to join the real estate bandwagon.

Home Prices

Price Trends:

• The median existing home price has served as a foremost determinant in history.
• The average selling price at the national level was $370,000, down almost two percent compared to the past year.

Regional Variations:

• Particular regions within the Southern and Midwestern parts of America are either showing slight rises in value or stabilization of values, in contrast to the major restructuring occurring within the Californian and New York markets.

Foreclosure Rates

Foreclosure Data:

• Financial strains on borrowers rapidly increase, resulting in foreclosure filings soaring by 10% in the last month.
• Significant activity has been done in foreclosures in Nevada and New Jersey.

Government Response:

• Local governments are trying to implement support measures for families facing foreclosure.
• These measures incorporate counseling services and monetary support.

Regulatory Developments

Federal Reserve Meetings:

• Over the recent months, mortgage rates have demonstrated signs of higher stability than in the past.
• This is due to the federal funds rate remaining steady after the Federal Reserve’s recent meeting.

Legislative Initiatives:

• Congress is paying attention to ongoing discussions on amending housing policies such as zoning laws and increasing funding for affordable housing.

Market Outlook

Outlook Towards 2025:

• Analysts expect the housing market to stabilize further in early 2025 if there are more sellers since there might be more inventory.
• However, other headwinds, like high mortgage rates and economic uncertainty, may continue to dampen buyer demand in the property market.

Affordability Constraints:

• The affordability constraint continues to be serious, especially for first-time buyers.
• More attention to the developments of economic factors and interest rate fluctuations will be very important for the housing market’s health in the months close to the elections.

The picture of the mortgage and real estate market between 16 and December 21, 2024, resembles a guarded optimism given the developing challenges. There are signs of home sales picking up modestly and mortgage interest rates stabilizing, which is positive. In contrast, supplies and affordability remain key drivers in the lead-up to the new year. The key economic indicators and regulatory measures have given clues on what to anticipate in housing for 2025.

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

Summary of National U.S. Headline News for December 20 December 20, 2024

Economy and Markets

Stock Market Performance:

• On the eve of Christmas, the economy is feeling a little gray, with stock prices on the S&P 500 lowering by 0.2% and the Dow Jones Industrial increasing by 0.5%.
• Investors are shedding any hope of seeing the stock market go upward due to mixed economic data and inflation, making long-term forecasts look dismal.

Inflation Rates

The Consumer Price Index (CPI) indicated in its latest report that inflation was around 3.8%. While these numbers were slightly higher than expected, this raises questions about the Federal Reserve’s policy going forward.

Housing Market

Mortgage Rates:

• Potential housing buyers were provided respite as the mortgage rates hovered around 6.4%.
• , in the long run, this will further exacerbate the issue of housing affordability.

Foreclosure Rates:

• Recently released reports indicate that the number of foreclosure filings in various states, including New Jersey and Nevada, has spiked, calling for timely state intervention measures to curb the problem of housing affordability.

Politics

2024 Presidential Election:

• Recent polls show a close race in the Democratic contest.
• While Mr. Biden is predicted to lead, Mr. Andrew has also posed a threat as the Democratic candidates put more effort into campaigning on the primaries’ eve.

Legislation Update:

• In Congress, discussions are going around the need for a new infrastructure for rural broadband transportation.
• As a bipartisan bill is being drafted, progress on the bill seems fairly realistic to come within the next few months.

Public Health Issues

October 2022 Update: The COVID-19 pandemic has shown modest rises during this period due to the ongoing hospitalization of people, which has led to a conversation surrounding vaccination campaigns and booster campaigns against variants.

Mental Health

Mental health services have seen growth. It is important to understand the root cause of poor mental health. The federal government is aiding in the improvement of the mental health of veterans and anyone else who lacks access to it.

Environment

Severe Weather:

• Weather agencies have predicted snowfall and harsh weather for parts of the Midwest in the upcoming week.
• A severe weather warning has been issued to highlight the dramatic impacts.

Climate Change:

• The ongoing climate change in America has drastically changed many circumstances.
• The American government is maximizing efforts to rectify the growing climate change through Investments in renewable energy and strategies to reduce carbon emissions.

Social Issues strictly related to Guns and Energy.

Women and Gender Rights:

• The shooting that took place recently shed light on and revived the gun control debates.
• This event alone had a touch on gun safety advocates who lobbied the government to implement regulations around guns before the new year set in.

Education Policy

• Student debt and increased education qualifications are still the center of attention around educational reforms.
• That attention will amplify as we approach the latter part of 2025.

Technology and Innovation

Cybersecurity Concerns:

• Due to the increase in threats caused by the war, the government is making efforts to ensure security through cyber attacks and is channeling more funds into those initiatives.

Political Changes and Economy

As of December 20, 2024, the country is certainly experiencing many social issues, such as political activity and economic problems simultaneously. The end of the year will clearly show the key points for the year ahead: housing, public health, or legislative priorities.

Tech Industry Developments

Most businesses in the technology sector continue to grow unbothered. However, representatives of the advertising industry have recently seen some of the world’s largest companies, like Netflix, Spotify, and Facebook, announce massive layoffs due to the drop in ad revenues caused by the economy and other factors, worrying about the industry’s future expansion.

https://www.youtube.com/watch?v=xGtUYs5iyfA&ab_channel=CBSNews

Fresh Update on National Mortgage and Real Estate News highlights for December 20, 2024.

National Mortgage And Real Estate News

Trends in Mortgage Rates

The average 30-year fixed mortgage rate has remained consistent at 6.4, dropping fractionally compared to last week, offering a tiny amount of hope for future buyers in this market.

End of The Year Home Sales Statistics:

Data recently disclosed highlights that existing home sales have grown by 2% as of December, highlighting a slow market recovery as sellers take advantage of lower rates before the start of the new year.

Newly Built Properties

The United States Census Bureau announced a 15% growth in the start of new housing units for November; this can be attributed to the demand for individually owned homes. Builders are meeting the constant demand for housing.

Rates Of Foreclosure

The foreclosure rate continues to be at 0.4 percent, which is still lower than expected. This all hints towards stability in the economy and assistance to homeowners with increased property value in specific areas.

Dynamics Of The Rental Market

Renting, on average across the country, has surged by around 3.5 percent compared to last year. The major areas have significantly more demand because of the gradual change in work-from-home policies and tenants’ desire to be closer to their place of work.

Influences Of New Policies

New Federal housing policies to make properties more affordable and easier to obtain are expected to take effect in early 2025. These policies will affect mortgage rates and the amount of housing available.

Tech in Real Estate

The introduction of AI tools and the option of virtual tours is making real estate purchasing easier. Both buyers and agents are making good use of these add-ons.

Market Predictions for 2025

The younger generation will greatly influence the market, so it is predicted that 2025 will be a very busy and competitive housing market. It would be easy to assume that prices would also increase.

With favorable mortgage rates and encouraging sales and construction of homes, the real estate sector is exhibiting a healthy outlook as we near the end of 2024. When considering 2025, investors and buyers should be aware of market developments and potential legal changes that could impact their choices.

https://www.youtube.com/watch?v=Arm-B_jWugc&t=481s&ab_channel=OneRentalataTime

As far as the most recent update from December 16, 2024, is concerned, the mortgage and real estate sector is as follows:

Mortgage Rates

Current Statistics: The national average for a fixed-rate mortgage for a period of 30 years has decreased to approximately 6.6%, a reduction from 6.69% recorded a week before.

State Variations: Interest rates differ by state. Some states offer up to 6.68%, while others charge a high 7.09%.

Refinancing Rates

For the past 30 years, refinance mortgages have seen highs of 6.98%, which is eleven basis points greater than before.

Housing Market Trends

Home Sales: Compared to last year, house sales have increased by 22% over a month.

Home Prices: According to NAR, house prices will increase by 2%, and the median rise is estimated to be $410,700 thousand by 2025.

Inventory Levels

With stock inventory expectations low, more than $1.45 million housing unit sales are predicted for 2025 after the pandemic.

Expert InsightsMarket Predictions

Real estate expert Barbara Corcoran claims that if mortgage rates drop near 5%, the housing market will jump and go “ballistic.”

First-Time Buyers: First-time homebuyers account for less than a quarter of the entire market, an all-time low. There is a dire “urgency” for new buyers.

Home Renovations

Spending Trends: Due to the current state of home prices and mortgage rates, homeowners are more likely to spend more on renovations than moving.

Global Perspectives

UK Market: The UK house markets have seen exports slump for two months, resulting in average declines of £6395 in the December market.

China’s Market

During the last 17 months, house prices have depreciated slower than usual in China, which could indicate that the region’s property or real estate market is on its way to recovering and stabilizing.

Home buyers and real estate markets have been riling with activity, resulting in declining mortgage rates and stimulating purchasing and spending on home upgrades. Most experts in the field suggest that further step-downs in mortgage rates lead to much higher activity within the market, especially with those buying homes for the first time.

https://www.youtube.com/watch?v=GeSO9zBYeyc

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

This is an overview of the most recent national economic events as of December 16, 2024:

Economy and Inflation

The American economy continues to grow exponentially despite inflation, which is at its highest level since the 1970s, at around 2.8%, crossing the Federal Reserve’s target of around 2%.

Federal Reserve and Interest Rates

The Federal Reserve is expected to respond to the alarm that inflation has allegedly stayed too high, securing a default interest rate cut further to increase the rate to around 4.25-4.5%. In the upcoming years, policymakers are afraid to slow down rate cuts in 2025 to balance out the inflation risks.

Housing Market and Mortgage Rates

While the new forecast of around 6.3% in 2025 still maxes out at the affordable limits due to the ongoing sluggish housing market performance, home prices are projected to increase by 5% this year. Furthermore, the endless mortgage and home prices likely convince homeowners to spend extra income on renovations rather than buying new homes.

**The Stock Market and Treasuries: An Analysis**

U.S. stocks during President Trump’s tenure have risen by around 27%, and this increase can be witnessed along with the significant gains that the U.S. stock market experienced as the receiver of Donald Trump’s economic policies. As far as the bond market goes, it currently has signs of being under stress as the 10-year treasury note increase is above 4.4%. A reason for the increase could be out of concern regarding the rise in inflation promise and an increase in government spending.

Despite the above-mentioned inflationary concerns, the foreign interest in U.S. debt remains upward.

**Business Outlook: An Overview**

Those conducting business face the dual challenge of inflation, which only goes away with a careful approach to policymaking. The slow pace of rate cuts that the Federal Policy is expected to deploy means that interest rates on loans for both businesses and consumers are likely to remain high, which can impact plans for expansion and investment.

Considering everything, while the U.S. economy showcases signs of strength, inflation, housing affordability, and the prevailing market volatility remain concerning aspects to manage, which fall under the purview of policymakers and investors.

This is a brief review of recent national initiatives in different sectors of the economy as of December 16, 2024.

Economy & Inflation Rates

The United States economy is strong. Real GDP growth of 2.7% is expected for 2024, with added consumer expenditures and productivity growth.

Inflation is a problem regardless. It remains at a high annual rate of 2.8%, two percent over what the Federal Reserve stipulates as a limitation.

Federal Reserve and Interest Rates

The Federal Reserve will likely reduce interest rates by quarter points again this week, the third reduction in the current year. The federal fund’s target range is expected to be between 4.25 and 4.5 percent now. As the rate of increases has tapered off, a closer balance of inflation and labor capacity would result in rate cuts in 2025.

Stock Exchange Along With Treasuries

The economy will likely benefit from economic policies under Donald Trump’s second term, which translates into significant gains in stock markets. U.S. equities have risen by a whopping twenty-seven percent this year.

The bond markets, however, appear to be in distress as inflation appears to be a concern along with the rush for government debts for increased spending, as indicated by the increase in the yield for a 10-year treasury note to over 4.4%

As of December 16, 2024, here is a comprehensive overview of the latest national developments across various sectors:

Economy and Inflation

The U.S. economy is exhibiting robust growth, with real GDP expected to increase by 2.7% in 2024, driven by consumer spending and productivity gains.

However, inflation remains a concern, holding steady at an annual rate of 2.8%, above the Federal Reserve’s target of 2%.

Federal Reserve and Interest Rates

The Federal Reserve is expected to implement a quarter-point interest rate cut this week, marking the third consecutive reduction this year. This adjustment would increase the federal funds rate target to 4.25-4.5%. Policymakers are adopting a more cautious approach, indicating that the rate cuts may slow in 2025 to balance inflation risks and labor market strength.

Stock Market and Treasuries

The stock market has experienced significant gains, with U.S. stocks rising by 27% this year, partly attributed to economic policies under President-elect Donald Trump’s second term.

However, the bond market is showing signs of strain, with the yield on the 10-year Treasury note surpassing 4.4%. This increase reflects investor concerns about potential inflation and the growing supply of government debt to fund spending.

Housing and Mortgage Rates

The housing market is improving, as are mortgage rates and inventory, but the forecasts say otherwise. Due to a drop in mortgage rates, which are expected to touch 6.3% in 2025, home prices are expected to increase by 5 percent.

In addition, the reduction in purchasing new homes will increase home improvement spending.

Unemployment and Labor Market

The labor market remains stable as unemployment remains low and wage levels rise above inflation. The exception to this is contraction in certain industries, such as manufacturing. December saw a continuing decline in U.S. manufacturing as factory output hit 4.5-year lows.

Business Outlook

The businesses are working with a more elaborate dynamic while dealing with inflation and stagnant monetary policy.

Given that the Federal Reserve will not be slashing rates aggressively, the cost of loans to consumers and corporations could be maintained at a high level, affecting their willingness to invest or expand.

Political Developments

President-elect Donald Trump has commenced assembling his administration by making numerous important appointments. Susie Wiles has been selected as White House Chief of Staff, which is remarkable since this is the first time a woman will ever hold this position.

Also, Trump has picked candidates for various cabinet posts as he outlines the policies he wishes to pursue in the next term.

Global Political Climate

The political developments that one has recently witnessed globally present evidence of an exceptionally turbulent and transformational period. By defeating Kamala Harris, Donald Trump’s election as the President of the United States marked the end of an era of benevolent scientific rule. Other examples are the surcease of the German government’s existence over budget disagreements and the South Korean military’s declaration of martial law against a president’s wish only to have Congress reverse the situation.

To summarize, the U.S. economy may appear stable, albeit the processes of inflation, stagnancy in the housing markets, and volatility in the other markets need to be addressed. Policymakers and investors are extensively monitoring all these issues and the peculiar economic situation.

https://www.youtube.com/watch?v=2KSvn46epzU

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

This video clip is funny. Pranking a guy until he literally goes nuts.

https://www.facebook.com/share/r/Z1LV4FFvHHBExZ2A/?mibextid=D5vuiz

facebook.com

Please HOLD 📞 | Billy Rosewood IV | you_funny_fooker · Original audio

Please HOLD 📞. you_funny_fooker · Original audio

. If Biden dies or gets impeached do we have to worry about this ding bat becing our President?Kamala Harris is being questioned by millions of Americans on her mental health state and her intelligence level. Is this idiot pretending to be dumb and stupid or is Kamala Harris a real idiot. Kamala Harris has zero brains 🧠 and seems this goof 🤪 is pretending to be a creature with a single digit IQ. Is this brainless moron the number 2 in charge of the United States? How humiliating to have this creature to represent the nation and be a power leader. The Imbecile in Chief. She has zero respect and is not a liked person in any way or form.

https://youtu.be/k7TCTQQWIZI?si=-hQw0rw-TbyD7SxJ

This is for my son who is married to a gay man. They live in California together and been married 4 years in gay church. Antonio is a Navy Veteran and wants to buy a house with a VA LOAN. He told me that he needs a cosigner on his VA loan and wanted me to cosign for him. But the loan officer said VA loans does not allow cosigner except husband or wife. He told the loan officer that his husband will be cosigner. The Loan officer said gay people married people don’t count. Is this true?

What are the lending options for homebuyers on community property states.

Thousands of Loan Officers and Real Estate agents are leaving the Mortgage and housing industries. Every professional in the housing industry is going through a hard time including Loan Officers, Realtors, Auto Salesman, Attorneys, Appraisers, Home Inspectors, and third party professionals. Banks, credit unions, and other creditors are not extending credit to commissioned mortgage and real estate professionals due to volatile mortgage markets. The 10 year treasuries keep on skyrocketing without any signs of correction. Mortgage Rates on government loans are 7.5% for 730 credit score borrowers and conventional loans have Rates over 8% for 700 plus credit score borrowers. With surging inflation and out of control mortgage rates many homebuyers are priced out of the housing market. Thousands of Loan Officers and Realtors including owners of mortgage companies and real estate brokers are leaving the business or closing their doors. What business is the best business to get into if you were to leave the mortgage industry or real estate industry for those who have been in the industry for years or decades?

Anyone had success getting a personal loan to pay off and consolidate bills? Scores 521, 550, 578. I have 11 years of credit with several autos pif. Derog over 3 years ago, but nothing since.

What Makes an Online Forum Go Viral

I recently got denied by an incompetent lender because I was not properly qualified. Can you please help?

I’m looking for a business model (investing in real estate in Chicago area). I would like to find a way to buy condos in a place where I will pay less for them and rent for more. It would be good to find a map with Property Price -> Renting Price relationships. I know that my friend used to buy a single-family home in Burbank for $80,000 and remodeled for $40,000, sold for $180,000. But I think there are better options there.

I’m in the process of a FHA Streamline Refinance, and the loan officer is requesting all these documents: W2’s, bank statements, pay stubs, etc., plus he’s pulled a credit check. Is this normal and required?

I own a house but want to sell my existing home and rent it out and buy a larger home. How much time must pass from Chapter 7 Bankruptcy discharge to be eligible for a second home loan? How would using house #1 as a rental affect DTI? Do we need to find the tenant first?

How do you deal with a pissed off homebuyer? Is there a way to deal with a disgruntled borrower? How To Deal With Potential Mortgage Borrower Complaints Case Scenario?

What Are The Minimum Credit Scores To Qualify For A FHA Loan?

Ever considered becoming your own boss by opening your own company. Turn key full service business, commercial, and residential funding business. We will train you about how to open your own commercial loan brokerage business after you go through our training program. Unlimited opportunity. Contact Danny Vesokie at Affiliated Financial Partners at 916-402-2506. Text Danny Vesokie for a Faster Response. Affiliated Financial Partners is a preferred commercial loan officer school of Lending Network and Gustan Cho Associates. Affiliated Financial Partners LLC-Wholly Owned Subsidiary of Danny Vesokie Institute of Finance, headquartered in Sacramento, California.

• This discussion was modified 6 months, 2 weeks ago by  Danny Vesokie | Affiliated Financial Partners.

During his 2005 commencement speech at Stanford University, Steve Jobs talked about three personal anecdotes that illustrated some important points for the graduating class. These stories represent the things he wanted to work together on:

1. Connecting the dots

Key points:

Dropping out of college – six months after starting at Reed College, Jobs dropped out but continued to hang around campus and take classes that interested him.

Calligraphy class – although it seemed impractical at the time, taking a calligraphy class was integral in designing typography on the Macintosh computer.

Trusting your path – you can’t connect the dots looking forward; you can only connect them looking backward. Trusting that your future dots will connect down the line is what gives you hope even when it doesn’t make sense now.

Lesson: Have faith in yourself by following your curiosity, even if it seems irrelevant at present.

2. Love & loss

Key points:

Founding/firing from Apple – Starting Apple in his parents’ garage and getting fired from a company he built up were mentioned by Jobs.

Finding new passion(s) – Following those events, he found other projects (NeXT, Pixar) which eventually brought him back to Apple.

Importance of loving what you do – He said people should seek out what they love because work will consume most of their lives; and you can only be satisfied if you do great work believed in.

Lesson: Continue striving for success despite failure setbacks as this may open bigger doors later on.

3. Death

Key points:

Facing mortality – Being diagnosed with an uncommon form of pancreatic cancer made death more real for him than ever before, according to Job’s speech.

Living purposefully – Realizing life is short and not wanting to waste any more time living someone else’s dream or being confined by other people’s thinking after such an experience changed everything for him personally;

“Stay hungry. Stay foolish.” Afterward he concluded with this advice from the back cover of the final issue of The Whole Earth Catalog, which urged people to never stop being curious and settling down in their lives.

Lesson: Recognize life’s impermanence so you can focus on what really counts – continual growth and learning.

In summary

Steve Jobs’ three narratives from his commencement address share these collaborative themes:

Trust the process – stay curious even when there isn’t a clear path ahead.

Follow your passion – don’t give up on what you love because setbacks are stepping stones to better opportunities.

Live purposefully & urgently – embrace change as a necessary part of growth while staying curious all through life about everything around us.

These ideas collectively encourage individuals to trust themselves, work hard at what they are passionate about and live intentionally with curiosity every step of the way.

Here’s Steve Jobs inspirational commencement speech.

https://www.facebook.com/share/r/zY5SnLPZGEtccdJh/?mibextid=NqTh7c

• This discussion was modified 6 months, 2 weeks ago by  Gustan Cho.

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3,9 jt tayangan · 1,5 rb komentar | The story of this man is so inspiring and worth listening to. He changed his story by the action he took in difficult times, change yourself listen and... | By Barka U. MsheliaFacebook

The story of this man is so inspiring and worth listening to. He changed his story by the action he took in difficult times, change yourself listen and...

What happened last week that mortgage rates are plummeting. The 30-Year Treasuries dropped to 3.8% which tanked mortgage rates on government loans from 7.0 to 6.0%. 30-year U.S Treasuries were as high as near 5.0% just a few weeks ago. Gold increased to over 2,500 per ounce which is a historic high. Silver did not follow gold prices because banks were short selling Silver like crazy because banks and the Globalists have a huge short position and are afraid of getting margin calls on their Silver short positions. What economic numbers came out that caused the financial markets upside down? Will mortgage rates continue to plummet? Will it be beneficial to refinance now? How about doing Streamline Refinance on FHA and VA Loans? If I do an FHA or VA Streamline Refinance loan, can I do another FHA Streamline or VA Streamline Refinance loan if mortgage rates drop again? What are rates on conventional loans?

Dogs is man’s best friend and most people will validate this statement. Every dog has its own personality and is unique in their own way. For example, if a Labrador Retriever has ten pups, each of those pups will look similar and some may look identical where it’s hard to distinguish from one to another unless they have its own birthmark or unique characteristic. However, each one of those pups will develop their own personality and temperament as well as behavior. AMAZING how God created each living being to be unique with its own individual trait. On a macro level, breed of dogs has its own breed characteristics such as a dog having to always be a runner due to being a hunting dog breed or a dog loving water because it came from a Retriever breed. Toy dogs love to cuddle. Some dog breeds are easier to train than others. There are dog breeds that form the strongest bonds with their owners. Below is the list of dogs that form the strongest bonds with their owners.

1. Labrador Retriever

2. Golden Retriever

3. German Shepherd

4. Doberman Pinscher

5. Border Collie

6. Boxer

7. Austrian Shepherd

8. French Bull Dog

9. Yorkshire Terrier

10. Cavalier King Charles Spaniel

https://iheartdogs.com/top-dog-breeds-that-form-the-strongest-bonds-with-their-owners/

iheartdogs.com

Top 10 Dog Breeds That Form the Strongest Bonds with Their Owners

  In the diverse and enchanting world of dogs, certain breeds are particularly known for forming exceptionally strong bonds with their human companions. These breeds, with their innate loyalty, affectionate nature, and keen sensitivity to human emotions, develop deep connections … Continue reading

Like to introduce you to one of the owners of Bari Beef headquartered in Elgin Illinois. Nick Favia is one of the owners of Bari Beef, the best Italian Beef in the country. I have sent Italian Beef from Bari Beef to my CEO Mike Kortas and President Mat Grella multi times and they love it. CEO KORTAS would have fired my ass if I sent shifty Beef. I sent Bari Beef to all our senior advisors at NEXA MORTGAGE and they all love it. I want to thank everyone at Corporate NEXA Mortgage especially Taylor Bradley, Aes, Kristi Wake, Rana Mortensen, Mat Grella, Miriam Montojo, Mrs. Edna Kortas, Mike Neill, and the the ultimate CEO Mike Kortas for everything they do for me and my team. Like to thank Counselor Wendy Lahn ESQ and Mr. Nick Favia for the great Bari Beef 👍.

Shots were fired at former President Donald Trump campaign rally this afternoon grazing the former President by his ear breaking his skin to make him bleed. There are no details about the shooter and how many people were involved. We have no news whether the gunman is caught or still at large. Once shots were fired, Secret Service Agents swarmed the podium for cover of Former President Donald Trump. Trump was whisked away by a team of Secret Service Agents into a black SUV for safety and medical assistance. Trump gave a fists up to relay he was alright to his supporters. From the look of things, former President Donald Trump seems not injured except for a graze by his ear but was bleeding. Excellent news is former President Donald Trump is safe and in good hands with the protection of the U.S. Secret Service. Me and members of GCA FORUMS will keep our members posted on any updates.

https://www.youtube.com/live/iYeUO1K5H9A?si=cLpX4PmNhKkNOust

• This discussion was modified 7 months, 2 weeks ago by  Harlan.

Here is a blog written by John Strange about FHA Refinance Guidelines. It is an older article that has been updated and posted today. Great informative article.

https://gustancho.com/fha-streamline-guidelines/

gustancho.com

FHA Streamline Guidelines on Credit and Non-Credit Refinance

FHA Streamline Guidelines on cedit and non-credit refinance do not require income docs or verification and no new appraisal is required