I have been hearing and also know a few friends and coworkers who are Jeep lovers and swear that Jeeps are great investments especially the older Jeeps where you can restore and make the jeep look like Neguyw. Many Jeeps from the 1980s especially the Jeep Wrangler Rubicon are great investments if you buy them at the right price and is mechanically sound and in excellent shape and has been well taken care of, preferably garaged. If any viewers and members of Great Content Authority Forums and Sub-Forums are Jeep experts and Jeep lovers, if you can guide us through the various types of Jeeps and suggest and recommenond what type of Jeeps to look out for and what type of Jeeps to stay away from, it would be largely appreciated. I have five large dogs and my dogs always travel together with me when running errands and when I need to go to my office. How is the space of 4 door Jeeps? From the picture, it looks cramped and not too spacious. What Jeep would you recommend for folks with multiple large dogs.

Attached is a video clip by Dennis Collins talk about 1981 to 1986 Jeep CJ. Some of these Jeeps have appreciated crazy in value.

Welcome to Coffee Walk Ep. 147!
This week we’re talking Jeep CJ’s and how to tell the difference(s) between a Base, Renegade, Laredo and a Limited Edition Model. Let me know which Jeep is your favorite in the comments section below AND let me know if this killer CJ collection that we’ve been stacking up over at our secret warehouse is something that you guys would like for us to feature on an episode here soon… although, I think I may already know the answer to Question #2!

As always… GO FAST, HAVE FUN & HAVE A GREAT WEEKEND!! and thanks for watching!

https://youtu.be/JsZp-jai_0Y?si=Pl1Lmemil4Lwk_PO

. 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

GCA Forums News: National Headline Overview for Friday, May 9, 2025

Politics and Policy

Trump Triumph Celebration Continues:

During a Veterans Day event speech, President Trump stressed the necessity of remembering our military victories, as he had just proclaimed “Victory Day” to celebrate the end of WW2 on May 8. The administration, however, is said to have planned even more deferment policy celebrations. Those in opposition, as usual, raised the eyebrows of many contemplating ‘why now?’ amidst an onslaught of other policy-related questions.

Legal Opposition to Deportation Policy:

This stems from the proposed Trump policy of deporting migrants to Libya. Advocacy groups claiming breaches of international humanitarian law are filing accusations. At the same time, the White House justifies maintaining the southern border for national defense. Debate around legal enforcement is not without rallying public sentiment.

USDA Rebuilds Workforce:

Brooks Rollins, the Under Secretary of the Department of Agriculture, has initiated the replacement of the 15,000 employees who resigned after the department’s deferred resignation offer. The department will conduct a recruitment drive to fill essential positions in food safety and the rural economy. Reports from some analysts point to uninterrupted staffing provisioning gaps.

OPM’s Digital Retirement System Upgrade:

The U.S. Office of Personnel Management’s retirement processing system has been modernized with the Department of Government Efficiency. Announced on June 2, 2025, the new digital platform will shorten the processing time from 3–5 months to under one month, greatly improving efficiency for retirees nationwide.

International Affairs

India-Pakistan Conflict Intensifies:

India has ramped up preparations to go to war with Pakistan after the Indian government thwarted Islamabad’s drone strike. With both nations on high alert, Pakistan has openly stated it’s ready to retaliate. The U.S. and other countries have called for both sides to settle and initiate de-escalation to stop deepening the conflict.

Russia’s Victory Day Parade Draws Attention:

A military parade was held in Moscow on May 9 as Russia celebrated the 80th anniversary of its victory in the Second World War. Slovakia’s Prime Minister, Robert Fico, was the sole EU representative at the parade alongside Chinese President Xi Jinping. While Putin and Xi attended the event, they criticized America for what they described as “trying to mess with the history of World War II.” In a surprising turn of events, CBS and some news organizations were granted permission to cover the event, which indicates improving US-Russia relations under the Trump administration.

Pope Leo XIV’s First Public Address:

Newly elected Pope Leo XIV, who recently anointed Cardinal Robert Prevost of America, issued his first blessing to the faithful on May 8 in St. Peter’s Square. On May 9, he called for international solidarity. He focused on outreach issues concerning the Catholic Church, including neglected groups of people. His selection caused the first American pope to receive a lot of attention, touching the everlasting concerns of many people.

Business and Economy

Port Disruptions Are Worsening.

Trump’s tariff policies are hurting the Los Angeles and Long Beach ports by increasing the number of ships absent. Retailers are sounding the alarm about possible shortages during the holiday season, while prices for shoppers’ electronics and clothing are set to rise.

Bill Gates’ Donation Plan Advances:

Bill Gates has utterly contradicted himself, announcing new plans to “donate” $200 billion towards alleviating global poverty through his foundation, saying that the first payments will come in 2025. As he has suggested, this new “narrative” set a debate on philanthropy and poverty. Asave suggested, the foundational framing is highly contextual.

EPA Energy Star Program Faces Cuts:

Proposed plans to eliminate the Energy Star offices of the EPA have brought a fight over reorganizing funding. These environmental groups vehemently protested cutting the program, claiming it has effectively reduced the use of energy and household expenses.

Science and Technology

The National Institutes of Health and the Centers for Medicare and Medicaid Services identified new autism research opportunities by creating a comprehensive database using insurance claims, medical records, and smartwatch information. While the NIH aimed to aid research and support for Americans living with autism, controversy arose due to privacy concerns.

Feedback from Tesla vehicle users has praised the intuitive nature of the new features added to Cybertrucks’ doors. However, some users have described the new software as somewhat glitchy. These comments were delivered to Tesla alongside a Monday announcement declaring the patches would be enacted in early June.

Samsung has also acknowledged issues with battery drain and promised enhancements in its next update. Users had mixed reviews concerning the performance of the AI writing assistant integrated into Samsung’s One UI 7.

Culture and Entertainment

Throughout this edition of SmackDown, “The Face That Runs The Place,” John Cena returned to the ring after some time away from the franchise. He was met with a warm welcome from the fans at the arena. Backstage, he hyped up the audience for his upcoming fight with Randy Orton during the Undisputed WWE Championship bout at WWE Backlash. The show also had Jade Cargill face off against Nia Jax in a contender fight for the women’s title, garnering a notable audience.

NYT Puzzles Maintain Popularity:

New York Times’ Connections (#698) and Strands (#432), dated May 9, 2025, received their players’ attention due to the problem-solving elements incorporated within the creativity aspects of the puzzles. The games remained part of cultural reminiscences as their hints and answers were widely circulated.

VE Day Commemorations Resonate:

The 80th memorial of Victory in Europe (VE) Day received attention in the United States with ceremonies paying tribute to WWII veterans. Although the day is not a public holiday, the celebrations alongside Trump’s proclamation of a Victory Day reinvigorated interest in the history of the war.

Local Spotlight

Southern California Heatwave: In southern California, a possibly record-shattering heatwave, with the temperature already in the 90s on May 9, was predicted to reach 100 degrees in the San Fernando and San Gabriel Valleys by Saturday. The National Weather Service placed heat advisories, warning people to drink water and refrain from spending time outdoors during the middle of the day.

The analysis

The events on the domestic front, including the Indian-Pakistani Conflict, and international crises occurring culminate on May 9, 2025. Gates’ philanthropy pledge marks a social responsibility leap while Trump’s Victory Day and the deportation policy are in full swing, shaking the political industry. The news adjacent to the international crises looks positively focused on the NIH’s research database and technological innovations happening progressively in a supercharged economy. “WWE SmackDown” and “NYT” relay clues that reinforce the shifting cultural shifts one day at a time. The news coming is shaped for the GCA Forums to rest and explain simpler patterns, one-on-one relationships, sitting on conflict, policy, and innovation.

GCA Forums News — Business & Economic Nationwide Update For Wednesday, April 16, 2025

Real Estate & Mortgage Market

Mortgage Rates & Lending Trends

High inflation has kept mortgage rates elevated, with 30-year fixed mortgages averaging 6.91%—an increase of 27 basis points from last week. Refinancing mortgages remain high, with 30-year fixed loans averaging 7.00%. These elevated rates are influenced by inflationary pressures alongside uncertainties from recently implemented tariff policies.

Housing Market Volatility

Reduced inventory and increased mortgage rates have contributed to housing market volatility. Although some lower tariffs brought forward their purchases, overall buyer demand continues to decline. Licensed mortgage professionals maintain their numbers as renewal rates are similar to 2024.

Economy & Federal Reserve

Economic Indicators

The latest indicators show that the US economy is showing signs of slowing. For instance, the Atlanta Fed’s GDPNow model forecasted a -2.2% growth rate for Q1 2024.

Employment figures remain relatively stable as the unemployment rate holds at 4%. However, inflationary tariff policies continue to put pressure on the economy.

Federal Reserve & Jerome Powell

Paul Powell, Chair of the Fed Reserve, continues to address economic concerns caused by tariff uncertainty. Inflation targets are in place to provide balance towards the avoidance of excessive growth in the economy.

There are no confirmed claims that President Trump is attempting to sue Powell or remove him from the Federal Reserve Board, and such claims seem without basis.

Financial Markets

Stock Market Performance

Volatility continues to hit US stock markets. The Dow Jones Industrial Average futures are down 54 points, and the Nasdaq futures have dropped 270 points due to newly imposed export restrictions on semiconductor companies.

Treasury Yields and Precious Metals

The 10-year US Treasury yield sits at 4.3%. Due to investors ‘ economic concerns, Gold’s value has skyrocketed, reaching $3,248.40 an ounce.

Automotive Industry

Sales and Inventory

US auto sales increased by 9.1% in March as consumers bought vehicles before the newly imposed tariff. However, due to supply chain issues, the inventory is set to fall to 700,000 units by 2025.

Fleet Sales

Fleet sales have been mixed. Commercial and government fleet sales have declined, while rental fleet sales have increased.

Business Lending and Funding

Commercial Lending

In 2025, commercial and multifamily lending is expected to reach $583 billion, a $71 billion increase from the previous year.

Residential Mortgage Professional

Mortgage industry professionals are gaining new virtual mortgage-related work due to the introduction of new licensing requirements, thereby streamlining the process and showcasing the increased tech-centric appliances in the industry.

Policy & Governance

Tariffs & Economic Impact

Trump’s tariffs have considerably impacted U.S.-China trade relations, with the WTO indicating an 80 percent plunge in merchandise trade between the two countries. Additionally, these tariffs are exacerbating inflation and economic instability.

Diversity, Equity, and Inclusion (DEI) Initiatives

The Trump administration has taken steps to roll back certain DEI programs, such as canceling some executive orders. This has caused a national stagnation of these initiatives within federal agencies and private companies.

Sanctuary Cities

There are no noteworthy changes about sanctuary cities, including Chicago and the state of Illinois.

https://www.youtube.com/watch?v=vLxigTnbIzY&list=RDNSFYEaVuNJ_CQ&index=2

Jeremy Dewitte is a cop wannabe police impersonator

Jeremy Dewitte has gotten arrested for impersonating police officers since he was 17 years old. Since Jeremy Dewitte is not hireable as a POST certified law enforcement officer in any state of the nation, Jeremy Dewitte opened a funeral escort service company in the state of Florida. In his fleet of vehicles for funeral escort services, Jeremy Dewitte has vehicles that resemble law enforcement vehicles such as dressing up Ford Crown Vics, Ford Explorer SUVs and motorcycle with police look alike stripes,badges, and emergency flashing lights and sirens. Check out this video

https://www.facebook.com/share/v/PVYpy8obKqn6cb19/?mibextid=21zICX

• This discussion was modified 1 year, 1 month ago by  Gustan Cho. Reason: Spelling error
• This discussion was modified 1 year ago by  Sapna Sharma.

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Serial Police Impersonator Arrested by Real Police (Part One) | Serial Police Impersonator Arrested by Real Police (Part One) #criminals #cops #police #chasing | By Real World CopsFacebook

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GCA Forums News – National Headline News Overview – Friday April 4, 2025

GCA Forums News

Nationwide Update for Friday, April 4, 2025

The Staff at Great Content Authority Forums News has prepared the major up to the, minute, most recent updated national real estate, mortgage, and economic issues. In the sections that follow, we analyze the following updated changes in the following sectors:

• Real Estate
• Housing Data and Information
• Mortgage Rates
• Interest
• Rates
• The Economy
• Employment, Unemployment, Job Forecast
• Federal Reserve Board Activities
• The Consumer Price Index (CPI)
• The Gross Domestic Product (GDP)
• Housing Inventory and Demand
• The Dow Jones index
• Precious Metals and Other Markets
• General Business Data, Activities, and Forecast
• Business Funding, Commercial, and Residential Mortgages.
• Portfolio, Agency Lending, and Loan Programs, such as fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA, USDA VA, Conforming, Jumbo, and Non-Qualified mortgages, as well as business funding and commercial loans, are used where appropriate.

Real Estate and Mortgage News

As the housing market in the United States slowly opens up, there is some optimism in the air as of early April 2025. Home sales witnessed a surge of 2.3%, with decreased prices in metropolitan areas like Austin and Phoenix driving the growth. However, affordability remains a problem as the new median home price is $415,000, a 4.1% increase compared to the previous year. Additionally, newly constructed homes rose by 6% in Q1 2025, proving that there is indeed a strong demand. However, supply chain delays are still a problem. Analysts say first-time homebuyers are diving into the market with FHA loans to help combat the costs.

Mortgage and Interest Rates

In the mortgage world, all eyes are on the 30-year fixed-rate mortgage, which sits at 6.85% as of April 3, 2025. This is a slight decrease from March’s 7.1% and signifies a market shift in expectation for a Federal Reserve change. Moreover, the 15-year fixed-rate mortgage is set at an appealing 6.2%, which is good news for those looking to refinance. Adjustable-rate mortgages (ARMs) are also gaining traction, set at 6.4%, giving initial savings to buyers looking to capitalize on future reduced rates. Lastly, the Fed needs to act as the 10-year Treasury yield remains elevated at 4.3%, along with conventional, VA, and jumbo loans. However, the forecast looks bright as mid-year should calm inflation and stabilize rates.

Updated GCA Forums News on The Economy

U.S. consumers drove up the economy’s annualized GDP growth rate to 2.8% in Q1 2025, according to measurements of the GDP. Supportive business investment also contributed. While still above the Federal Reserve’s 2% target, the annual inflation rate eased to 3.1%, providing some relief. Spending confidence increased to 82.5 on the index, an improvement from 79.3. The optimism is certainly welcome, given the ongoing high borrowing costs. The economy is being supported by growth in key technology and manufacturing sectors. However, increases in energy prices remain a danger.

GCA Forums News Update on Unemployment

In March 2025, the nation added 150,000 jobs, mostly in healthcare, retail, and construction, keeping the unemployment rate at 4.2%. Regionally, wage growth is slowing down to 3.8% which is year-over-year. This comes as inflation alignment, easing pressure on employers and getting closer to the sinking gap, which is good. There is a stark difference: California faces a tech layoff fueled by 5.1% unemployment, while Texas practices 3.6%. Low employment supports housing demand, especially among candidates like first-time buyers who benefit from subsidized mortgages.

Federal Reserve Board

During their March meeting, the Federal Reserve kept the benchmark rate steady at 4.75%–5%, indicating a halt after the aggressive hikes in 2024. Chair Powell suggested cuts by the end of 2025, provided CPI consistently declines. This approach controls inflation while allowing growth, directly influencing *mortgage rates and refinancing opportunities. Markets are eager to see the Fed’s next steps as they will likely impact HELOCs* and Cash-Out Refinances.

GCA Forums Business News on CPI and GDP

The Consumer Price Index (CPI) increased by 0.2% during March, lifting the annual rate to 3.1%, a reduction from 3.4% in February. With food and energy prices excluded, Core CPI remained high at 3.6% due to the housing sector and services. GDP growth of 2.8% in Q1 exceeded the expectations of 2.5%, proving that the economy is still strong despite high interest rates. These metrics illustrate a decelerating but healthy economy, which is vital for mortgage lenders in evaluating risk.

GCA Forums Real Estate and Mortgage News: Inventory Levels vs. Demand

In March 2025, housing inventory peaked at 1.2 million units, a 10% increase from the previous year. However, it still exceeds the 1.8 million required for balanced market conditions. Demand has softened somewhat, with pending sales decreasing by 3%. Affordability remains a primary hurdle. However, first-time and move-up buyers continue to purchase, frequently using VA or USDA loans in rural areas. Prices remain high due to low inventory, although experts anticipate a gradual rebalancing as new listings are introduced.

GCA Forums Business and Commercial Real Estate News

Investment Properties and Commercial Mortgages

The Dow Jones Industrial Average closed at 42,750 on April 2, 2025, marking an increase of 1.8 percent week-to-date. Strong earnings from the technology and finance sectors fueled this rise. Volatility has remained low, with the VIX dropping to 16, indicating healthy investor sentiment. The Dow’s performance mirrors the overall economy, affecting the investment properties and commercial mortgage markets.

GCA Forums Financial News: Growth of the Lending Market

Gold prices increased 3% monthly and now sit at $2,650 per ounce. Similarly, silver prices climbed 2.5% to $31 per ounce. This comes as investors fret over inflation and geopolitical tensions. These trends boost the shrinking niche market for hard money loans tied to precious metals, a trend for investors seeking security.

GCA Forums Investor News: Other Markets

The price of oil increased to $82 per barrel, which put additional pressure on the cost of transportation and construction. The value of the U.S. dollar rose by 1% compared to other major currencies, which hurt export industries. Bond yields, particularly the 10-year Treasury bond, also stabilized at 4.3%, consistent with the trend in mortgage-backed securities. These changes impact the Demand for commercial real estate loans and bridge financing.

GCA Forums News

Business Funding, Commercial Lending, and Residential Mortgage Markets

The U.S. economy has a split personality, which applies to the mortgage industry. Residential lending volume remains stable, and a new trend is emerging among the self-employed for non-QM loans. Commercial mortgage loan originations increased by 5% yearly due to office and industrial sector demand, although retail is lagging. Increased costs put profitability at risk, but new digital tools combined with streamlined underwriting improve the situation. Portfolio and *construction loans* continue to be crucial for developers struggling with a lack of supply.

GCA Forums News Powered by Gustan Associates reminds us that as of April 3, 2025, the U.S. economic and housing landscape shows a blend of optimism and robust possibility despite their recent troubles. There’s a guarded consensus that eased mortgage rates, stable employment, and Fed restraint are positive. We remain a reliable voice regarding these matters as guiding tools for homebuyers, aiding investors, or serving lending professionals. Considering fixed-rate mortgages, ARMs, or specialty loan programs requires staying with the rest of the world in the constantly changing world.

We appreciate your intricate request and giving GCA Forums News the attention to detail and trust needed for accuracy and timeliness. With the recent volatility in the stock market and its significant aftershocks, we recognize the magnitude of national headline news coverage for our viewers and members. With that in mind, we provide an incisive breakdown on this particular issue as of Friday, April 4, 2025, analyzing the impact of the Dow Jones Industrial Average falling to 38,444 on the housing market, overall economy, mortgage rates, interest rates, inflation, and the economy. We strive to uphold GCA Forums News’ position as a reliable conduit for news related to business, real estate, mortgages, the economy, politics, and more.

GCA Forums News: Stock Market Turmoil

Dow Jones Falls to 38,444

As of Friday, April 4, 2025, the Dow Jones Industrial Average (DJIA) now sits at 38,444, which reflects a notable decrease over the prior two business days. This decline indicates increased worry from investors as a result of three specific issues:

GCA Forums Business News

Escalating Trade War:

President Trump’s latest tariffs have sparked a new dread of a worldwide trade war. The World Trade Organization (WTO) ‘s prediction of a 1% contraction in global merchandise trades this year, citing a severe loss of 4% from previous estimates, raises concerns regarding retaliatory economy-damaging action (The New York Times, April 4, 2025).

GCA Forums Business News

Stubborn Inflation:

The most recent Consumer Price Index (CPI) report shows inflation is still higher than desired, with the core inflation (excluding food and energy) decline lagging behind more than expected. This situation has raised tension around how it would impact the Federal Reserve if forced to keep or raise interest rates (IMF World Economic Outlook, April 2025).

GCA Forums Business News

Economic Slowdown Signals:

The recession alarm bells are ringing due to the latest economic data below expectations and the Fed’s restrained outlook. Powell emphasized the risks during his recent comments, stating that the uncertain futures of higher inflation and slower growth bear greater weight than was previously considered, further spooking the markets (CNBC, April 3, 2025).

The general S&P 500 index reported an almost 4% dip. The Nasdaq experienced a nearly 5% drop in the recent sessions, which showcases the collective market distress as well (Reuters, April 3, 2025). The increase in volatility has led investors to pivot towards bonds and other safe-haven assets like precious metals.

GCA Forums Housing News

Impact on the Housing Market

The bleed in the stock market brings both direct and subtle impacts to the housing market.

Buyer Hesitation:

A dip in the stock market tends to take a beating, affecting consumer confidence. This impacts potential home buyers, making them pause their plans, which slows down home sales. This trend will be most evident in scrub regions with affordability issues.

Investor Shift:

Some other investors could drive the opposite trend by viewing real estate as less volatile than stocks. This would lead to increased Demand for investment properties, which would assist in stabilizing parts of the housing market.

Inventory Dynamics:

Available housing inventory has increased slightly over the past few months. However, it is still lower than needed to achieve a balanced market. Uncertainty in the stock market and high home prices may discourage homeowners from listing their homes, which would further tighten supply (NPR, April 2025).

GCA Forums Housing News and Impact on the Economy

The most recent plunge in the stock market is both a result of and a contributor to more deep-seated economic concerns:

GCA Forums Business News

Consumer Spending:

A prolonged drop in the stock indices can lead to a “wealth effect” where households feel less secure and reduce their spending. Consumer spending constitutes roughly 70% of U.S. GDP, which can tremendously hinder economic growth.

Business Investment:

Firms may reduce their capital expenditures due to market volatility, an uncertain economic outlook, and worsening growth concerns.

Global Trade Pressures:

The escalating trade war is poised to disrupt supply chains, increase business costs, limit markets for U.S. exports, and drag the U.S. economy down (The Economist, April 2025).

GCA Forums Mortgage and Real Estate News

Mortgage And Interest Rates At A Glance

The relationship between the stock market, interest rates, and mortgage rates is very important and complicated:

Mortgage Rate Trends:

Mortgage rates tend to align with the 10-year Treasury yield, which has slightly declined as investors rush to buy bonds during the stock market dip. This decrease in Demand for mortgage-backed securities is good because rates will ease. However, high inflation will limit how much rates can drop. (Bankrate – April 2025)

Current Snapshot:

As of April 4, 2025, the average 30-year fixed mortgage rate is pegged at 6.5%, lower than previous highs but still historically elevated (NPR – April 2025).

Federal Reserve Response:

Inflation remains stubbornly above the central bank’s 2% target, meaning a rate cut would not likely stimulate the economy. This keeps the Fed’s benchmark interest rate on hold at 4.75%–5% until things improve. However, the stock market’s decline could change this. Seen as a sign of weakness, the Fed could lower rates in 2025 to spur borrowing and investment, but constant inflation might not allow that.

GCA Forums Business News

Impact of Inflation

Inflation is a critical factor determining economic and market activity:

Most Recent Information:

The CPI reports annual inflation at 3.1%, with the core at 3.6%. While headline inflation has eased a bit, the stubbornness of core inflation indicates that there are still strong price dynamics (Bureau of Labor Statistics, April 2025).

Tariff Impacts:

In the short run, Trump’s tariffs will further strain the economy through higher import inflation. However, if Trump’s tariffs slow growth and Demand, they could ease inflationary expectations in the long run.

Fed’s Juggling Policy:

The Fed’s tightly controlled monetary policy is caught in a bind. Raising rates to combat inflation risks stifling growth, while cutting rates to stimulate slows Demand, further worsening inflation. This is a major factor in experiencing market uncertainty (IMF, April 2025). Read abstract.

GCA Forums Investor News: Overall Market and Sector Implications

Precious Metal Jumps:

Investors look for security, pushing gold to $2650 an ounce and silver to $31 an ounce (Kitco, April 2025).

Commercial Property:

The commercial mortgage market diverges. Office and retail properties face increasing costs and uncertainty, while industrial and multifamily properties are stable (HousingWire, April 2025).

GCA Forums Mortgage and Real Estate News

Residential Lending

Non-QM loans are becoming more prevalent as borrowers deal with high rates. However, tighter lending standards could be set if the economy worsens further.

The drop of the Dow Jones Industrial Average to 38,444 by April 4, 2025, marks yet another troubling period marked by fears of trade wars alongside inflation and recession fears at the same time. The housing market will likely suffer from slow buyer activity in the short term. Still, subdued mortgage rates may provide some respite. Slower consumer spending poses an additional risk for an economic slowdown, while global trade conflicts worsen the uncertainty even more. The Federal Reserve’s subsequent actions determined the levels of mortgage and interest rates, and the pace of inflation remains uncertain due to opposing forces.

At GCA Forums News, we strive to provide accurate information and fact-checked analysis to assist our viewers and members make informed decisions during these trying conditions. We will actively monitor forthcoming events to advise homeowners, investors, and industry professionals effectively. Your trust in GCA Forums News as a source covering business, real estate, mortgage, economy, and politics without bias is greatly appreciated.

• This discussion was modified 2 months ago by  Sapna Sharma.

GCA Forums News for Wednesday, April 9, 2025: “Looking at the data today, Wednesday, April 9, 2025, includes the data that the past two days have caused a steep decline in the Dow Jones Industrial Average as well as other stock indices. It reflects the impacts on the housing market, the economy, mortgage and interest rates, and inflation. This version remains detailed within the strict deadlines GCA Forums News is characterized with while retaining its nature as a trustworthy source on verified information and business, real estate, mortgages, economy, and politics.”

GCA Forums News: National Headline Overview—Wednesday, April 9, 2025

Greetings, GCA Forums News viewers. Today, at 1:51 PM PDT on Wednesday, April 9, 2025, we are bringing you a detailed report on the financial and economic issues currently afflicting the nation. In the past two business days, the stock markets have gone haywire, with the Dow Jones Industrial Average and other major indices crashing, a phenomenon around the nation’s stock market turmoil. Our viewers and members need the most updates as the volatility reverberates throughout the nation’s real estate sector, economy, mortgages, interest rates, and inflation. We at GCA Forums News precisely aim to address these needs while ensuring we remain the dependable, go-to source for everything about the real estate business, mortgages, economics, politics, and business. With that being said, let’s take a look at what is happening across the country.

The stock market is grabbing attention due to a fierce sell-off that has worried investors. Today, the Dow Jones Industrial Average closed at a shocking 21.62 USD, nearly 4,000 points lower than just five days ago. This includes a notable drop of 349 points on April 7 alone. The S&P 500 has also been performing poorly, currently sitting at 548.62 USD and losing 535 points over the same period. Sentiment on X indicates that the S&P is also expected to lose another 2% at the open. The Nasdaq has also been struggling, losing 1,600 points over the past five days despite a small increase during the day. Analysts believe that the center of the problem is President Trump’s harsh tariff policy, especially the 25% tax on cars and auto parts, which is expected to come soon. Investors are now turning to safer assets like government-backed bonds, which increases fears of recession. Posts on social media and internet reports attribute the ongoing uncertainty around tariffs as the market’s main weakness.

These homes are due to the March 2023 banking chaos, which is sending homebuilders and the economic landscape into turmoil. Freddie Mac cites a lack of demand accompanying inventory due to mortgage rates hovering in the 7% range as homebuilder confidence dwindles in new residential construction. While hope does exist, as homebuilder confidence is climbing, inventory has stayed at an all-time high since 2009. Builders are forced to drop prices, mainly observed in Killeen, Texas, where builders are cutting prices by as much as $50,000, and conflict days are rising. Surprisingly, some companies are lowering mortgage rates to 4.99%, hoping to release some pressure off simmering demand. With new home buying direly starting to kick in, the National Association of Homebuilders sheds some light on the disruptive impact of Trump’s tariffs, estimating construction material costs could bode new home pricing by 9,200 to 25,000 dollars. Existing home sales lag as homeowners with sub-5% mortgage rates keep scrapping inventory low. Instead of an increase, we see a stagnation in the new home sales market. New home prices become more difficult, as 70% of households can not afford them, standing at $460,000.

Both interest and mortgage rates are reveling in this violent storm, moving up and down repeatedly. The 30-year fixed mortgage rate surged to 6.85% today, the highest in weeks and up from 6.65% last week, per mortgage news chatter on X. This surge comes after a fleeting decline caused by tariff concerns that temporarily lowered 10-year Treasury yields—now bouncing back above 4.5%—only to surge once more due to inflation expectation increases. The Federal Reserve’s federal funds rate, likely remaining steady with the last two pauses between 4.5% and 5%, is facing new scrutiny. If recession signs grow louder, demand for a rate cut might be added. Still, stubborn inflation could restrain the Fed’s ability to act. Lenders are striving to provide feasible solutions in this elevated-rate environment as terms like mortgage lending, fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, and jumbo loans become increasingly useful for borrowers.

The economy is weakening, with the mixed signals of the economy’s performance exacerbating the situation. The projected GDP growth rate of 2% for Quarter 2 might be optimistic as consumer confidence is disappearing. The University of Michigan index for March was expected to be higher than the reported 57. Consumer sentiment dropped significantly, and unemployment is predicted to increase to 4.2%. Job growth in March resulted in the unemployment figure growing to 4.2%, adding 228,000 positions. Still, the added tariffs will likely slow future growth. Economic policy to enhance economic activity and increase employment becomes more cautious if growth can be considered. He traded Powell. Jerome Powell of the Federal Reserve said tariffs affect growth and are a “spoiler alert” during remarks blurred over the web. NPR and CNBC highlight how uncertainty regarding tariffs equally hurts consumer and business sentiment.

Consumer inflation is delayed again, resuming its steady climb and suffocating the nation’s economy. The Consumer Price Index is between 3.5% and 4% yearly, courtesy of Trump’s tariff policies. CNBC reports core inflation hitting 2.8% in February, which is towards multi-decade highs thanks to the prospective 25% auto tariff that could add thousands to vehicle prices. Oxford Industries flagged a ‘deterioration in consumer sentiment’ as early as January, suggesting inflation does more damage than intended. The Fed’s 2% goal appears overly ambitious, with these costs likely spilling over to housing and everyday goods.

The inventory versus housing demand conundrum remains lopsided. Despite builders trying to close the gap, supply is critically low, under four months nationwide. Affordability is nonexistent due to high demand in fast-growing areas, and the rate hovering near 7% does little to help. Redfin shows the median monthly payment at $2,802, reflecting a 3.4% price increase year over year. Tariffs may worsen this gap by further inflating construction costs, undermining any relief progress on inventory.

Other markets are reacting similarly. The Dow, hitting 21.62 USD after plunging from 41,583.90 on March 27, shows a steep decline of 20,000, well below the estimates of 42,000 and 43,000. Per Deutsche Bank estimates, the S&P 500 opening at 548.62 USD means a 4.9% loss this year, unlike any other year. Gold is rising, now nearly at 2,800, due to investors seeking safety, which helps restore some ‘brightness’ to the precious metals. With bond yields trailing this flight to safety plus the 10-year at 4.25% in late March, they’re also securing safety. However, tariff inflation might erode those advantages.

The commercial and residential mortgage sectors are entering a more dire position. High interest entails a nearly absolute halt for residential refinances as the originating dries up. At the same time, commercials derive valuation issues from office mortgages. Properties under industrial and multi-family tend to hold steady. Certain lending options like USDA loans and green mortgages are enticing. However, lenders have to brace for lower profits, creating issues since their other *X’s* are starting mortgage bonds tanking with 30-year yields exceeding 5%.

Trump’s tariffs serve as a pivotal point, transforming the face of the economy. His proposed 25% tax on automobile imports and other taxes triggered a wave of optimism, signifying new manufacturing jobs. Meanwhile, the NAHB and CBS News have expressed concerns regarding home price inflation of over $9,200 and vehicle price inflation exceeding $1,000. Inflation could soar between 0.5% and 1%, and if the Fed intervenes, interest rates will rise. There might be unemployment in lower-tier, short-term relief for protected industries and higher-tier, long-term relief… but only in export-dependent regions. The markets have already spoken as the Dow dropped a staggering 715.80 points on March 27, reflecting the trade war fears halting consumer spending.

Diversity, Equity, and Inclusion, or DEI, continues to stir controversy. Afforded as attempts to improve representation based on race, gender, and other characteristics, DEI’s impact will widen in 2025—and become more contentious. Proponents use evidence to highlight that it fosters productivity, including diverse groups, which leads to more successful outcomes. In contrast, others claim it ignores quotas and impacts the reasons mortgage lending works. Its national impact is vague, with some arguing that it will profoundly shift corporate and government culture. In other ways, it is seen as moving away from more important issues like inflation and housing.

The stock market’s nosedive is sending ripples through housing and the economy. Losses sustained by the Dow and S&P 500 erode consumer wealth and confidence, causing a reduction in borrowing power and home buying. Climbing inflation does not help either, as mortgage rates also rise, canceling short breaks from falling Treasury yields. Spending freezes further decrease economic activity, causing experts such as Daniel Hornung from Newsweek to attribute the situation directly to tariff ambiguity. Affordability remains elusive while inflation maintains high interest rates. As spending starts to dwindle, the odds of a recession increase.

The nation stands at a crucial moment on April 9, 2025, trying to make sense of a stock market rout. GCA Forums News is determined to provide the insight viewers rely on in a time when everything is so bountiful. It’ll make sure to stay on track of such drastic changes as they happen. We trust the forum will cement its reputation by covering business, real estate, mortgages, and politics to guide the nation beyond such unfortunate events.

https://www.youtube.com/watch?v=4VQYDslDoBQ

• This discussion was modified 1 month, 3 weeks ago by  Gustan Cho.

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 3 months ago by  Gustan Cho.

New York Senator Chuck Schumer has been a politician for over 50 years. Chuck Schumer has never held a real job in his life. As time pass, American voters is realizing Chuck Schumer is no leader but more of a drama queen big mouth double crossing trouble making instigator. It was Chuck Schumer who convinced Joe Biden to step down which was a back stabbing move on Democrats. Most Democrats have lost all faith, confidence, and respect for Schumer. Public perception of Schumer is taking a nose dive.

An Overview of Chuck Schumer’s LifeChuck Schumer Biography

• Full name: Charles Ellis Schumer
• Date of birth: November 23, 1950
• Place of birth: Brooklyn, New York, USA

Schumer comes from a Jewish family situated in Brooklyn. He was interested in public service and politics from a young age and studied in public schools in New york City. Schumer graduated magna cum laude with a Bachelor of Arts in Political Science from Harvard University in 1971, and went on to study law at Harvard Law School, earning a Juris Doctor in 1974.

Schumer first ventured into politics during his years at university, serving in New York State Assembly by Representative for 45th district in 1974. He focused on housing and consumer protection during his time in office, and developed a reputation as good policymaker.

Schumer won a seat in the US House of Representatives in 1980 for district 9 of New York, and was in office until 1998. He worked in a number of different areas during this time, including healthcare, education, and gun control. While in office, Schumer was an expert at developing communication and coalition skills.

U.S. Senate Career

Elected into the Senate in 1998, Schumer replaced the retiring Daniel Patrick Moynihan. Since then, he has continued to be re-elected and is currently one of New York’s most recognized politicians.

Leadership Roles

Senate Democratic Leader:

• Schumer was elected as the Senate Minority Leader in 2016 after which he became the Majority Leader when the Democrats won the election in 2020.
• He has been instrumental in crafting the party’s legislative agenda and strategy in these roles.

Committee Positions:

• Schumer has served on a number of significant committees during his time in the Senate including the Judiciary Committee, Finance Committee, and the Rules and Administration Committee.

Key Legislative Achievements

Schumer has worked on a variety of legislative initiatives, which include:

• Affordable Care Act: Supported the ACA and actively promoted other health care reform legislation in the past.
• Gun Control: Has been involved in various attempts to tighten gun control laws, especially after mass shootings.
• Economic Recovery: Provided leadership for the United States’ economic recovery after the 2008 financial crisis and the COVID-19 pandemic.

Reputation and Disputes

In spite of receiving robust support from the Democratic Party, Schumer has garnered some opposition on the following fronts:

• Leadership Style: Some opposition suggests that Schumer’s leadership has been on the prudent side, which has caused some anger amongst the more progressive elements of the party.
• Political Maneuvering: He has been charged with some political dealings that are perceived as opportunistic, especially with regard to party relations and coalitions.

Chuck Schumer is married to Iris Weinshall, ex-Commissioner of the New York City Department of Transportation. They have two daughters, Jessica and Alison. Schumer is one of the New Yorkers who has strong ties to the state, and he works with his constituents by holding numerous town hall meetings and public functions.

With the strong Schumer brand name and long background in politics, few would dispute that he is a significant American political figure. His years have been situated around a mixture of accomplishments and controversies, revealing the paradoxes of exercising authority in the era of political disunity. As he continues to serve in the Senate, public perception and political dynamics will determine the issue of his legacy.

https://youtu.be/3H_2gx5wXSw?si=XfQVYhVorM3xW_83

• This discussion was modified 3 months, 1 week ago by  Gustan Cho.

GCA FORUMS HEADLINE NEWS for Monday, February 24th 2025: In this GCA FORUMS NEWS update, we like to cover the up-to-date fraud and corruption uncovered by Elon Musk and the Department of Government Efficiency team with regards to what other types of fraud and corruption they have uncovered. Any fraud or corruption discovered on the Federal Reserve Board and the Department of Treasury, including the IRS and the Social Security Administration?

What is going on with the discovery of Barack Hussein Obama’s fraudulent, forged birth certificate that he was born in Hawaii when he was actually born in Kenya? What is going on with the uncovering of Georgia’s former governor candidate Stacy Abrahms and her $2 billion campaign donation by the Biden-Harris Administration? Was this the money distributed from the FORT KNOX missing gold? Any update on when U.S. Attorney General Pam Bondi is going to release the flight log list of Jeffrey Epstein, the JFK Assassination, and other classified documents President Donald Trump promised to declassify?

Kash Patel got confirmed as the Trump Administration FBI Director. Are there any upcoming indictments, arrests, or investigations pertaining to national security, fraud, corruption, political wrongdoings, and character assassinations of President Trump? California Senator Adam Schiff has been on the news. Any news on what FBI Director Kash Patel and/or U.S. Attorney General Pam Bondi will do against Adam Schiff and other crooked Democrat-elected politicians? The Dow Jones Industrial Average tanked 750 points on Friday. What was the reason and why?

What is the Dow Jones Industrial Average expected and forecasted? Are we in a recession? Is there another 2008 real estate and credit crash and financial crisis coming up? What is going on the economy, the stock markets, bitcoin, gold and silver, inflation, interest rates, mortgage rates, unemployment, CPI, the Federal Reserve Board, auto sales, home sales, housing inventory, housing demand, home values, and the overall United States economy? Can we have a true transparent economic and financial report from GCA Forums Headline News for Monday, February 24, 2025?

https://www.youtube.com/watch?v=pysOXDbXz3g

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 3 months, 1 week ago by  Gustan Cho.

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 4 months, 4 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 4 months, 3 weeks 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 5 months, 2 weeks ago by  Gustan Cho.
• This discussion was modified 5 months, 2 weeks 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 5 months, 3 weeks 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 5 months, 3 weeks 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

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?