Realtor Sung Kyung
RealtorForum Replies Created
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The 10 most cities in Illinois are listed below. Here’s a list of cities in Illinois that are often cited as having higher crime rates, based on various crime statistics and reports. However, it’s important to note that crime rates can fluctuate year to year, and different sources may rank cities slightly differently:
- East St. Louis
- Rockford
- Springfield
- Chicago
- Peoria
- Cahokia
- Danville
- Champaign
- Decatur
- Aurora
When considering this information, keep in mind:
- Crime statistics can be complex and don’t always reflect the day-to-day experience of residents.
- Many of these cities also have safe neighborhoods and positive aspects not reflected in crime data.
- Larger cities often have higher crime numbers due to population size, but may not be more dangerous per capita.
- Socioeconomic factors, including poverty rates and lack of resources, often contribute to higher crime rates.
- Local efforts to improve safety and community relations can significantly impact crime rates over time.
- Personal safety often depends on awareness, specific neighborhoods, and individual circumstances.
If you’re concerned about safety in a particular area, it’s best to:
- Research recent, detailed crime statistics from official sources
- Speak with local residents about their experiences
- Contact local law enforcement for current information and safety tips
Remember, no city is inherently “dangerous” for everyone, and many people live safely and happily in these areas.
https://www.youtube.com/watch?v=JaVEqD6yfP8
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This reply was modified 7 months, 2 weeks ago by
Gustan Cho.
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More blunders by Joe Biden on tonight’s solo press conference which is quite alarming.
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Yes please. Can you share what topics and subtopics and services GCA FORUMS should offer and how long it will take?
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To get approved for a mortgage company NMLS license in New York, you’ll need to follow a more comprehensive process than an individual mortgage loan originator license. Here’s an overview:
Register your company with NMLS: Create a company account in the NMLS system.
Submit a Company (MU1) Form through NMLS: This includes detailed information about your company structure, ownership, and financial condition.
Submit Individual (MU2) Forms: These are required for all control persons (owners, officers, directors)
Meet financial requirements: New York typically requires a minimum net worth. You may need to provide audited financial statements.
Obtain a surety bond: The amount varies based on your business volume.
Designate a qualifying individual: This person must have experience in the mortgage industry.
Establish a physical office in New York: A brick-and-mortar presence is usually required.
Develop policies and procedures: Create comprehensive policies for regulatory compliance.
Pay all required fees: Application fees, license fees, and other associated costs.
Submit background checks For the company and all control persons. Provide a business plan and organizational chart.
Obtain necessary business licenses: This may include registering with the New York Department of State.
Comply with New York-specific regulations: Familiarize yourself with NY Banking Law and regulations. Prepare for a possible pre-licensing examination or interview.
Remember, this process can be complex and time-consuming. Many companies work with legal counsel experienced in mortgage licensing to ensure all requirements are met.
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What inflation? Joe Biden said inflation was 9.0% when he took office 🏬 and he brought inflation down to 2.0%. Janet Yellen said we had a soft landing and inflation is under control. Jerome Powell said the inflation rate is under control due to his increasing of rates from zero to 7.0%. Bunch of clowns and liars.
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Whatever happened to ADT HOME ALARM SYSTEMS
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Gold and silver price is continuing to go up in record territory. Silver price today went over $28 per ounce. Remember that silver price per ounce was as low as $21 per ounce. At $28.60 per ounce, it is an extremely great price. I purchased silver three years ago when the spot price was $29 per ounce. I just see silver price going over $30 per ounce within the next week or two. Silver breaking $100 per ounce should be a cake walk.
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Bill Gates is a strong believer of depopulation and believes our world is overpopulated.
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One common misconception about homeowners insurance coverage is that it provides comprehensive protection for all types of damages and losses. While homeowners insurance offers valuable coverage, it doesn’t necessarily cover every conceivable scenario. Here are a few specific misconceptions:
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Coverage for All Types of Natural Disasters: Many homeowners assume that their policy protects them against all natural disasters, including earthquakes, floods, and hurricanes. However, standard homeowners insurance typically excludes coverage for these events. Homeowners must purchase separate policies or endorsements for specific types of natural disasters they want coverage for.
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Full Replacement of Personal Belongings: While homeowners insurance includes coverage for personal belongings, there are often limits and exclusions. High-value items such as jewelry, art, and collectibles may require additional coverage through endorsements or scheduled personal property riders. Additionally, homeowners insurance may only offer reimbursement for personal belongings at actual cash value, which factors in depreciation, rather than full replacement cost.
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Business-Related Losses: Some homeowners mistakenly believe that their homeowners insurance extends coverage to home-based businesses or business-related losses. In reality, standard policies typically have limited coverage for business property and liabilities. Homeowners operating businesses from their homes may need separate business insurance policies or endorsements to ensure adequate coverage.
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Maintenance and Wear-and-Tear: Homeowners insurance is designed to protect against sudden and unexpected damages, such as fire, vandalism, or theft. It does not cover damages resulting from lack of maintenance, wear-and-tear, or gradual deterioration. Issues like pest infestations, mold, and aging systems (e.g., plumbing, electrical) are generally not covered by homeowners insurance.
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Liability Limits: While liability coverage is a standard component of homeowners insurance, some homeowners may not realize the importance of having sufficient liability limits. In the event of a lawsuit for injuries or property damage on their property, inadequate liability coverage could leave homeowners vulnerable to financial losses beyond their policy limits.
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Exclusions for Certain Breeds of Dogs: Many homeowners may be unaware that their insurance policy could exclude coverage for liability claims related to certain breeds of dogs deemed to be high-risk. If a homeowner owns a breed that’s considered dangerous or aggressive, such as pit bulls or Rottweilers, their insurance policy might not cover liability claims resulting from incidents involving their pets.
Understanding these misconceptions can help homeowners make more informed decisions about their insurance needs and coverage options. It’s crucial for homeowners to review their policies carefully, ask questions, and work with their insurance agents to ensure they have adequate protection for their homes and assets.
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