Susan
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Sapna, Ravinder, Vanessa is a member of our forum. She is a lawyer and runs a law firm. Google will not allow to run Google Ads because her Google account is not verified. Can you please explain what she needs to do to get her Google My Business page verified so she can run Google Ads. Vanessa and her husband Nick are very close friends of Alex Carlucci.
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The Old Man and the Chair
Every month or so I visit my ailing uncle in a nursing home on Long Island. He is the last living sibling of my mother. Alfonso is 91 years old, his memory is intact, but his body is failing. Just ask the nurses about Zio, he a regular Don Juan. His greatest joy when I visit is to wheel him out on the patio for fresh air, we reminisce about our family which are long gone, he asks of my children, but can’t remember their names, all is good with Zio Alfonso, I was named after him, my name is Al.
Every time we take the fresh air I notice an old man sitting off by himself in a make shaft rocking chair. He sits under this canapé, well not exactly, it is an old canvas tarp riddled with holes, and stares directly at the sky. The wind blows and the canapé flaps, I would find this mostly annoying having the wind in my face. The old man sits an stares for hours with a look of serenity on his face. His face is weathered like that of a man who worked outdoors, his hands were large and strong, they are calloused. His neck is broad and leather wore from direct sun. He appears to be about 90, when I ask my uncle about him, my uncle turns and says in his broken English, “pay no attention to him, he is an old fool, just sits and stares, and one comes to visit him.” My uncle lacked social skills and always had an opinion on everything. However, I paid the old man no mind as suggested.
Month after month I visit my uncle and see the old man, finally I had to ask the old man why he sits and stares. One day after visiting my uncle, who was nearing the end of his life, I got the nerve to ask him. I asked, “ why do you sit there old man?” He answered, “ this is my life now as I am an old man with no family, I sit and remember the past.” “Do you have any children, I queried?” “No,” replied the old man, “never had any, I was away from home most of my life and never settled down,” I thought how awful for the old man, alone and old. The old man said,” I am most content sitting and staring at the sky, I lost most of my eye sight some years ago from diabetes.”
I was intrigued, “ what was your occupation?” “I was a sailor,” he answered. “My home is the sea.” He went on and added, “ I joined the Navy at 16, fought in WWII, been sailing ever since.” Wow, I thought to myself, this guy is a living history book. “I long for the sea, the salt air, the wind that caressing my face, the burning of the sun on my neck, and the singing of whales.” “When was the last time you sailed?” The old man let go with a hardy laugh, some what similar to an old pirate. “ Argh, ha, ha, ha, its been maybe thirty years since I’ve sailed a schooner.” Now I’m thinking, a schooner is a small two masted boat. “Now, I just sit and feel the wind and listen to the flapping of the canapé, reminds me of the sails.” I said good bye and promised him when I returned to visit my uncle I would stop by and say hello.
The next month’s visit was saddened by the passing of my beloved Zio Alfonso. He had lived a long wonderful life, I soon realized that he was the last of the Italian immigrants arriving at Ellis Island over eighty years ago. I sat on the patio where I would wheel my uncle, I sat and stared, looking through the old man in the chair. When suddenly, someone yelled, “ hey, kid, I’m sorry about your uncle, come sit with me a while.” The old man in the chair sensed I was near.
“Why, thank you sir, he was the last of the elders.”
My Zio had left an inheritance for me, nothing big, I was his only close relative. Ten thousand dollars and a note that read, “ do something good for someone, or do someone something good.” He spoke in Yogi Berra-isms.
Never making sense at first, but eventually there were words of wisdom. I sat with the old man for an hour where I would sit with my Zio, on the back patio of the nursing home. The old man and I sat for hours never saying a word. When he suddenly said, “ would you please come see me time to time?” How could I possibly say no, he was lonely and I was still mourning my Zio. I reposted, “Certainly, maybe not every month but I will come visit with you, is there anything you need?” The old man though for a moment and said, “just a visit now and then.”
A month went by and I didn’t visit, I was feeling guilty, so the next Saturday I drove to the nursing home it was at the end of Long Island, Montauk. “Do something good for someone,” my Zio’s words resonated in my head. I had to make one stop before I visited the old man. When I arrived he was happy to see me and said, “ thanks for coming, I feel my end is near, it hasn’t been a good weak for me.” I spoke to the nurse, he was depressed and lonely. I asked the nurse if he could travel, she responded, “ only short distances with an aide.” Would he be able to take a quick ride over to the Montauk pier?” The nurse said as long as she went along.
The three of us hopped into one of the nursing homes’s van with the nurse driving.” Where are we going?”she questioned me. “Just to the pier as I winked my eye.” The old man was thrilled to be out and about. We pulled up the pier and we walked to the end, the old man knew he was close to the ocean as he inhaled deeply and sighed. I had rented a schooner for the day,” do something good for someone.” Yogi again in my head. I wheeled him to the bow and sat him in a fishing chair. As we slowly pulled away from the pier I could see the joy on his face. He finally had the wind in his sails, the sun on his neck and the seagulls were serenading him with the flapping of the sails. He quietly cried tears of joy.
When the sailing trip was done he thanked me for the wonderful memory and I promised to visit next month. The next month’s visit was my last, the old man passed away. The nursing staff said they had never seen him so happy during the last month. Before his cremation was scheduled I called the State Department to let them know of his passing. They said the Navy will depose of the his body. Three days later the United States Navy showed up with an entire fleet of sailors. He had been one of the last survivors of the USS Arizona in Pearl Harbor.
The old man in the chair was given a full naval funeral with a burial at sea in Pearl Harbor, where he now rests with his shipmates.
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How is the Wisconsin housing market forecast? How much is an average price of a house in Wisconsin? What cities in Wisconsin have the best bang for the buck on homes and the best school districts. How is home prices in Wisconsin compared to the rest of the nation. How is the economy and job market in Wisconsin. How is the cost of living and taxes in the state of Wisconsin. Is Wisconsin a good place to raise a family. Is is smart to relocate to Wisconsin from other states? What states are people moving from to Wisconsin. What are the best cities with the lowest crime rate and affordable housing in Wi a homebuyer from out of state should look at in Wisconsin. Wisconsin is a community property state. How will that affect homeowners? What is the cost of living, inflation, taxes, housing and renting, and last but not least, politics. I heard Wisconsin is a swing state. What does it mean? Will the state being a swing state affect the education and mental health of my young children and my wife?
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What is Virginia Housing Market Forecast? How are the housing prices and cost of living in Virginia? What are the average home prices in Virginia? What are home prices in Virginia compared to other states in the nation? Have home prices in Virginia skyrocketed like other states? Are people priced out of the housing market in Virginia like they are priced out of the housing market in California? Is buying a house in Virginia a good investment? How is it like to raise a family in Virginia? What are the areas with the best school district in Viriginia? Is relocating to Virginia from other high taxed states a good idea? Is investing in real estate in Virginia a great idea?
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Any loan officers know the agency guidelines on mortgage after Chapter 12 Bankruptcy? What type of mortgage loan can you qualify for purchase or refinance after Chapter 12 Bankruptcy discharge? Is there a waiting period to qualify for a mortgage after Chapter 12 Bankruptcy? What are the HUD, VA, USDA, and FNMA guidelines after Chapter 12 Bankruptcy?
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Here is a blog written by John Strange about FHA Refinance Guidelines. It is an older article that has been updated and posted today. Great informative article.
https://gustancho.com/fha-streamline-guidelines/
gustancho.com
FHA Streamline Guidelines on Credit and Non-Credit Refinance
FHA Streamline Guidelines on cedit and non-credit refinance do not require income docs or verification and no new appraisal is required
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70% of Americans feel Joe Biden is mentally incompetent to run for reelection. This SUBFORUM is created so members can show Joe Biden caught on tape being senile and mentally incompetent.
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The value of investing in real estate, including buying a house in California, can depend on various factors and it’s hard to make a blanket statement without considering all of them. However, here are some general considerations:
1. **Market Trends:** As of my knowledge cutoff in September 2021, the housing market in California had been experiencing significant growth for many years, with prices increasing steadily. Some areas, such as San Francisco or Los Angeles, had seen especially high appreciation. It’s important to monitor the latest trends, as the market can fluctuate.
2. **Location:** The potential for return on investment can greatly depend on the specific location within California. Properties in or near major cities or in desirable communities tend to hold value well and may offer higher potential returns. However, they can also come with higher initial investment costs.
3. **Rent Potential:** If you’re planning to rent out the property, it’s crucial to consider the rental market in the area. Some parts of California have a strong rental market with high demand, which could provide a good source of income.
4. **Long-term Investment:** Typically, real estate should be viewed as a long-term investment. In the short term, fluctuations in the market can occur, but over the long term, real estate generally tends to appreciate in value.
5. **Taxes and Regulations:** California has higher property taxes and stricter regulations for landlords compared to many other states. These should be factored into your considerations.
6. **Economic Stability:** California has a strong and diverse economy, which can support the long-term growth of property values.
7. **Other Financial Considerations:** Buying a house involves significant costs beyond the purchase price, such as maintenance costs, insurance, property taxes, and potentially homeowner association fees.
It’s also important to consider your financial situation, your investment goals, and your risk tolerance. Real estate can be a good investment, but it also comes with potential risks and costs.
Please note that while these points may serve as a general guide, you should consult with a financial advisor or real estate professional who can provide advice based on the current market conditions and your individual circumstances.
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FHA (Federal Housing Administration) loans are a type of mortgage loan program offered by the U.S. Department of Housing and Urban Development (HUD). These loans are designed to make homeownership more accessible to a broader range of people, particularly those with lower credit scores or a smaller down payment.
Regarding two to four-unit multi-family properties, FHA offers a specific type of loan program known as the FHA Multi-Family Loan or FHA 2-4 Unit Loan. Here are some key points about FHA loans for multi-family properties:
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Property Eligibility: FHA 2-4 Unit Loans are designed for multi-family properties with 2 to 4 separate housing units. This can include duplexes, triplexes, and fourplexes. The borrower must also live in one of the units as their primary residence.
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Down Payment: One of the advantages of FHA loans is that they typically require a lower down payment compared to conventional loans. As of my last knowledge update in November 2023, the minimum down payment for an FHA loan is 3.5% of the purchase price. This means you can potentially purchase a multi-family property with a relatively small down payment.
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Loan Limits: FHA loan limits vary by location and are subject to change annually. The loan amount you can qualify for depends on the county where the property is located.
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Credit Requirements: FHA loans are more lenient when it comes to credit requirements compared to conventional loans. However, borrowers are still required to have a reasonably good credit history.
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Mortgage Insurance: FHA loans require mortgage insurance premiums (MIP) to protect the lender in case of default. There is an upfront MIP payment, which can be financed into the loan, as well as annual MIP payments.
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Owner-Occupancy: One of the key requirements for an FHA multi-family loan is that the borrower must live in one of the units as their primary residence. This is known as owner-occupancy and is intended to encourage homeownership.
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Property Condition: The property must meet certain FHA minimum property standards, which means it should be in good condition and meet safety and habitability requirements.
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Rental Income: If you’re purchasing a multi-family property with FHA financing, you can use the expected rental income from the additional units to help qualify for the loan.
It’s important to note that loan programs and guidelines can change over time, so I recommend contacting an FHA-approved lender or a mortgage broker for the most up-to-date information and discussing your specific situation if you want to obtain an FHA loan for a multi-family property. Additionally, rules and regulations may have evolved since my last knowledge update in November 2023, so verifying the current requirements is important.
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Chase, my big guy, learned not to Chase squirrels and fetch a ball. Not yet 100% but good enough but good enough. Great dog.
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The verdict is in on former President Donald Trump’s trial in New York. Former President Donald Trump has been found guilty on all 34 charges in his hush money case. Never before in history has a former president of the United States been tried after they left office of the Presidency. This trial of former President Donald Trump was politically motivated with many things wrong with even going to trial. No doubt the trial was politically motivated due to the fear and panic of former President Donald Trump running for office of the Presidency of the United States in November 2024. The charges against President Donald Trump are related to falsifying business records to conceal a $130,000 payment made to adult film star Stormy Daniels. This payment was part of an effort to prevent Daniels from going public with her claims about a 2006 encounter with Trump. This historic conviction marks Trump as the first former U.S. president to be convicted of felony crimes. The jury deliberated for 9.5 hours before reaching their verdict, which involved examining numerous invoices, vouchers, and checks connected to the reimbursement payments made to Trump’s former lawyer, Michael Cohen, who initially covered the payment to Daniels. The sentencing for Trump is scheduled for July 11, just before the Republican National Convention where he is expected to be nominated as the 2024 presidential candidate.
https://www.youtube.com/watch?v=NM1v-Tyvvso&list=RDNSNM1v-Tyvvso&start_radio=1
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I am trying to get my head around and grasp this AI; it’s not working. While at my cardiologist recently, we had a discussion on AI. His son is a cellist and has played professionally for years.
He stated, “There are good things about AI.” He went on to say his son played cello two years ago in a recording studio in Kentucky. He played the first part of a symphony he wrote, had it recorded with AI, and AI finished the symphony. My doctor said it was musically perfect—no mistakes from any instrument. The only thing missing was passion; passion in music cannot be duplicated. The essence of music is to feel its energy radiate through your body. If it doesn’t, something is missing.
I’ve been experiencing a similar reaction to my short stories. My critics read the post, not the story, then break down each phrase and each word. Here is an example: my book. “If The Creek Don’t Rise There Will Be A Parade.” I know what the title means; AI doesn’t need to explain it to me. Pretty condescending. However no one reads the book. “Wow Wine Wednesdays,” a short post on a certain wine I like. AI explains “Wednesdays,” ‘the middle of the week break.’ No one mentioned the wine. This AI is erasing all the passion involved in writing. If AI critiqued “Old Man and the Sea,” it would say, “Old man, a male of old age,” and “seas,” a large body of water smaller than an ocean. Sure it makes me want to read the book.
AI, as far as I’m concerned, always misses the point. Although you can’t argue with the facts of AI, they will always be correct. My definition of AI. AI is a big windbag that states truths, never having an opinion on any discussion. It’s like that smart ass kid you grew up with who knew all the facts about baseball but couldn’t hit a ball or catch a ball. He may know the facts, but he will never know the feeling of running down a fly ball in the outfield on a warm summer afternoon while your teammates are cheering for you to catch the ball. AI has no feelings; it can’t register passion. In truth, you can’t explain something you never really experienced.
AI will never give me goose bumps, or that warm feeling when hearing the violin, how the strings be so soothing it will erase any depression. It will never give me the tingling sensation that’s engulfs my body when a soprano hits their high C in an aria.
Let’s break down Artifical Intelligence like AI would.
Artifical: an adjective which modifies a noun: made or produced by a human being rather than occurring naturally. In other words FAKE.
Intelligence: a noun the subject of the sentence: the ability to acquire knowledge and skill
To make logical chooses, to be able to solve problems, apply critical thinking and think in the abstract. In other words being able to THINK.
AI is really a phooey, its fake and it can’t think. Ergo an oxymoron.
Oxymoron: Greek, “Oxus” means sharp and “Moros means” foolish.
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Veterans and Credit History Length: The Long Game of Building Trust
Welcome to Day 11 of our series dedicated to assisting our nation’s veterans in understanding the intricate fabric of credit. Today, we unravel the role and importance of credit history length. As veterans transition and adapt to civilian financial systems, realizing how the duration of credit history influences their credit scores can be instrumental.
Understanding Credit History Length: A Timeline of Trust
Credit history length refers to the duration you’ve had open credit accounts. This includes both the age of your oldest account and the average age of all your accounts. Representing roughly 15% of your FICO score, it acts as a testament to your long-term reliability as a borrower.
Why is Length of Credit History Vital for Veterans?
Length of credit history provides lenders a more extended window into your borrowing habits. For veterans, especially those who might’ve had limited opportunities to build credit during service, understanding its implications becomes essential as they navigate civilian financial systems.
Strategies to Bolster Credit History Length
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Think Twice Before Closing Old Accounts: While it might seem logical to close unused or seldom-used accounts, doing so can reduce the average age of your accounts, potentially impacting your score.
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Be Cautious with New Accounts: Regularly opening new credit accounts can decrease the average age of your credit history.
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Become an Authorized User: If a trusted family member or friend has a long-standing credit card account with a positive history, consider asking to be added as an authorized user. This can sometimes help boost the length of your credit history.
Special Considerations for Veterans
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Military Campaigns and Credit: Extended deployments can sometimes mean limited credit activity. However, some credit scoring models might view military service favorably, considering the length of active duty as a positive credit behavior.
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Post-Service Financial Rebuilding: Some veterans might only begin earnestly building their credit post-service. In such cases, focusing on other aspects of credit, such as payment history or credit utilization, can help offset a shorter credit history length.
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Leveraging VA Benefits: VA loans, or other veteran-centric financial products, might have more accommodating criteria, understanding the unique financial trajectories of service members.
Navigating Potential Pitfalls
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Avoiding Credit Altogether: While it’s prudent to avoid unnecessary debt, shying away from all forms of credit can leave you with a nonexistent or very short credit history.
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Frequent Account Churning: Regularly opening and closing accounts, often lured by short-term bonuses or offers, can harm the length of your credit history.
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Ignoring Old Accounts: Even if you don’t use an old account frequently, ensure it’s in good standing. An old delinquent account can harm more than just your credit history length.
Embracing the Marathon, Not the Sprint
Building a robust credit history length is akin to a marathon, not a sprint. It’s about the consistent and strategic nurturing of credit accounts over time. Veterans, accustomed to the long-haul dedication and commitment of service, can resonate with this approach in the financial realm.
The message is clear: While immediate financial decisions are crucial, it’s equally essential to have a vision for the future, ensuring decisions made today pave the way for a robust credit profile tomorrow.
Concluding Day 11: The Legacy of Financial Trust
Every financial transaction, every credit decision, leaves a mark, contributing to the legacy of one’s credit history. For our nation’s heroes, understanding this legacy becomes part and parcel of their post-service journey.
As we wrap up our insights for today, our dedication to guiding veterans through this journey remains unwavering. With every piece of knowledge shared, we aim to illuminate the path towards financial empowerment.
Join us on Day 12 as we delve deeper, ensuring that every veteran, every hero, is equipped to chart their financial course with confidence and clarity.
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The ascent and descent of Montgomery Ward plus Sears, Roebuck & Co. are among the most interesting tales in American retail history. The rise and fall of these two businesses are given as follows:
Montgomery Ward:
Origins: Aaron Montgomery Ward founded it in 1872. He also invented the mail-order catalog business concept.
It grew rapidly during the late 19th and early 20th centuries, in the 1920s, retail stores.
Demise: In the mid-20th century, it struggled to compete against Sears. It should have adjusted to new retail landscapes. It suffered multiple bankruptcies followed by restructurings. Ultimately, it closed down operations in 2001.
Sears, Roebuck and Company:
Founding years: Richard Warren Sears and Alvah Curtis Roebuck started it in 1892. By the mid-20th century, it became America’s largest retailer. I ventured into insurance, real estate, financial services, etc.
Kenmore and Craftsman were some of the popular brands they introduced.
Fall: Competition from discount retailers like Walmart became too intense during the 1980s and 1990s. E-commerce, together with shifting consumer preferences, posed major challenges for them. Merged with Kmart in 2005 but still faced decline until recently when filing for bankruptcy protection. Since then, most stores have been closed except for a few remaining ones. Key factors contributing to their downfall include adapting to new retail trends and increasing rivalry from cheap vendors and online sellers. Leadership incompetence coupled with wrong strategic choices made over time. There is too much of a burden associated with upkeep costs for many physical outlets. These examples show how difficult it can be for companies within the retail sector to respond flexibly enough to changes in markets or customer demands.
https://youtu.be/J5Rh0qlcp4g?si=R96dxakCwuzvF6SU
- This discussion was modified 6 months, 3 weeks ago by Gustan Cho.
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Veterans and the Importance of Diverse Credit: The Multi-Faceted Approach to a Robust Credit Profile
Welcome to Day 5 of our dedicated series on credit for U.S. military veterans. As we journey together, today’s focus shifts to an often under-emphasized yet critical aspect of building a robust credit profile: the importance of diverse credit types. For veterans transitioning into civilian life, understanding the value of a well-rounded credit portfolio can be a game-changer.
Diverse Credit: More Than Just Credit Cards
When we talk about credit, the immediate image that often comes to mind is credit cards. However, credit diversity encompasses more than just those plastic cards. It refers to having a mix of different credit types in your credit history. The major credit types include:
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Revolving Credit: This includes credit cards and home equity lines of credit. With these, you have a limit, and you can borrow as much or as little as you want up to that limit.
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Installment Credit: Loans with fixed terms and regular payments, like mortgages, auto loans, and student loans.
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Open Credit: The most common example is a charge card which you need to pay off in full every month.
Why Diverse Credit Matters for Veterans
Credit mix constitutes about 10% of your FICO credit score. While it may seem like a minor percentage, for someone teetering between a “good” and “excellent” score, this 10% can make all the difference.
For veterans, understanding and implementing credit diversity can:
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Show Lenders Versatility: A diverse credit portfolio illustrates to lenders that you’re adept at managing different types of credit responsibilities.
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Provide Safety Nets: Different credit types can offer varied advantages in financial emergencies.
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Optimize Credit Score: As mentioned, a healthy credit mix can give your credit score that extra push.
Achieving a Balanced Credit Mix: Steps for Veterans
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Start with What You Need: Don’t rush to diversify your credit just for the sake of it. Start with what you genuinely need. If you’re considering buying a car, an auto loan would be a natural addition.
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Consider Retail Accounts: Store cards or retail accounts can be easier to qualify for and can add another layer to your credit mix. Just be wary of high-interest rates and always pay off the balance in full, if possible.
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Explore Personal Loans: If you have a significant purchase or expense, consider a personal loan instead of maxing out a credit card. This introduces installment credit into your mix.
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Stay Current on All Payments: The importance of diverse credit doesn’t mean neglecting the basics. Always ensure you’re up-to-date with payments on all accounts.
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Regularly Review Your Credit Report: As you diversify, regularly check your credit report to ensure all your accounts are correctly reported and to catch any discrepancies.
The Potential Pitfalls: What Veterans Should Avoid
While diversifying credit has its advantages, it’s not without potential pitfalls:
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Overborrowing: Just because you have access to diverse credit doesn’t mean you should max out all available options. Always borrow responsibly.
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Opening Too Many Accounts Too Quickly: This can be a red flag for lenders and might temporarily lower your credit score due to hard inquiries.
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Neglecting Older Accounts: Older accounts bolster your credit age, which is another factor in your credit score. Ensure you keep and occasionally use your oldest credit cards even as you diversify.
Looking Beyond the Horizon: The Long-Term Perspective
Diverse credit is not a short-term tactic but a long-term strategy. For veterans, the journey from military service to civilian life is filled with significant decisions. While building a diverse credit portfolio, always align it with your long-term financial goals. Whether it’s homeownership, entrepreneurial aspirations, or securing your child’s education, let your credit decisions reflect your broader life goals.
Wrapping Up Day 5: The Symphony of Diverse Credit
Think of diverse credit as an orchestra. Each instrument (or credit type) has its unique sound, but when played together, they create a harmonious symphony. For veterans, understanding this symphony and playing each instrument with care can lead to a financially stable and prosperous civilian life.
As we conclude today’s exploration into the world of diverse credit, we remain committed to our mission: ensuring that our veterans, the heroes of our nation, are equipped with the knowledge they need for a bright financial future. Join us tomorrow as we delve further into the intricacies of credit, always aiming to empower and enlighten.
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I am looking for a lender that offers Title I Loans for solar panels on single family homes. Can’t find any lenders that do Title I loans
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Any small spec builder need builder construction loan for land and acquisition? No doc. No credit score requirements, no DSCR, no bank statements. 25% to 30% down payment on land and 100% financing on construction costs. Need to value at 70% LTV after construction. 25% down payment on single family home construction and 30% down payment on 2 to 4 unit multi family. Only single family to 4 units. Contact Gustan Cho NMLS 873293 at gcho@gustancho.com or join our forums gcaforums.com. Lending Network LLC http://www.lendingnetwork.org
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I am not familiar with bank statement loans. Can you please explain how bank statement loans work.
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Yo, how ya doing? This is a typical greeting in New York. It really isn’t a question, because no one gives a shit about “how ya doing.” New Yorkese is a language onto itself, “dees and deems.” Once you learn this language, it stays with you forever. Caw-fee is coffee in New York, but a regular caw-fee comes is with cream and sugar. There are so many nuances and when you meet a fellow New Yorker, the lingo and pronunciation return instantly.
I have been saying “Yo” all my life, “Yo Vinny, Yo Tony.” It in essence means “hey,” not hello.
I moved out west, and everyone knew where I was from. It was like having a big sign on your shirt saying, “Yo, I’m from New York.” For twenty-four years, my accent got watered down. One trip back, just one trip, and I spoke like I was auditioning for “Godfather, you can’t lose it!
I was on a social media site recently called “New Yorkers that have moved to Florida.” One of your typical bullshit sites, I seldom post anything, I just read. One time I had to answer the post when the comment was made, “If you say “y’all,’ in Florida, you are not from New York.” That I took offense to, I was offended.
First of all, out of all the New Yorkers living in Florida, I have not one, not a single one, born in New York. If you mail a letter and address it New York, New York, it goes to Manhattan, not Brooklyn, Queens of Upstate New York. I was born on 21st Street and 1st Avenue at Manhattan General Hospital. To a native Manhattanite, Central Park is upstate. When I hear, “I’m from New York,” and I ask where, “Albany,” not New York, New York,.
Yo, how y’all doing? A combo of north and south. Not only do I use y’all, I use it in writing. I have family in New Orleans and Mississippi. The ones born there taught the non-natives what to use in their speech. Not only do I say y’all, I can also explain when to use “all y’all.” Y’all are used to speaking to a small group of people; y’all know what I’m saying.” When speaking to a large crowd, it’s all y’all. “All of you.”
Yo, I hope, “All y’all got it!
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If you are a producing real estate agent and want to become a dually licensed realtor and loan officer, please contact Gustan Cho at Gustan Cho Associates at 844-90-RATES. Why not make commissions both as a realtor and loan officer on the same transaction. Gustan Cho contact information is gcho@gustancho.com.
Here’s the link to a guide on career opportunities as a dually licensed realtor and loan officer at GCA MORTGAGE GROUP and Gustan Cho Associates https://gcaforums.com/dually-licensed-realtor-mlo-careers/
- This discussion was modified 11 months, 1 week ago by Sapna Sharma.
- This discussion was modified 7 months ago by Gustan Cho.
gcaforums.com
Dually Licensed Realtor-MLO Careers
Dually licensed realtor-MLO careers enable realtors to earn commissions both as a realtor and mortgage loan officers if they have NMLS license.
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Homeowners are often concerned what would happen to their property and the mortgage after the borrower dies. Here is a guide written on GCA Mortgage Group, Inc. about what happens to the mortgage after the borrower dies:
https://www.gcamortgage.com/mortgage-after-the-borrower-dies/
gcamortgage.com
Who Is Responsible For The Mortgage After The Borrower Dies
The heirs are responsible for the mortgage after the borrower dies. If the heirs do not settle the mortgage, the lender sells the property.
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Breaking NEWS from CEO MIKE KORTAS over the announcement of NEXA MORTGAGE 100. Effective immediately, all NEXA Mortgage loan originators who recruit one full time independent Mortgage Loan Originator and that loan officer does one loan a month in one or all three wholesale lending mini-correspondent investors (EPM, MLB, and UWM) the loan officer will make 100% of the revenues. Let’s dive into the details of NEXA Mortgage’s commission structure. If you’re a self-producing Mortgage Loan Originator (MLO) looking for a change in brokerages, NEXA has some exciting possibilities for you:
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Base Commission:
- The first layer of NEXA Mortgage’s compensation plan is the Base Commission. You start by selecting a margin applied to your lender-paid compensation deals.
- While you have the flexibility to choose different margins, it’s recommended to opt for 275 basis points, which grants you 220 basis points.
- With this competitive rate, your commissions can significantly increase, especially when closing larger loan amounts.
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Bonus Commission:
- NEXA rewards hard work and dedication with the Bonus Commission.
- Once you hit $3 million in funded volume per month, you’ll receive a 100% commission on everything beyond that threshold.
- This bonus structure motivates MLOs to exceed their targets, and the potential for increased earnings is substantial. So, the sky’s the limit when it comes to achieving higher commissions!
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Partnership Compensation Plan:
- Taking their commitment to growth and recognition a step further, NEXA introduces the Partnership Compensation Plan.
- When you’ve introduced 10 Originators producing at NEXA, you become eligible for this plan.
- Instead of waiting to hit $3 million, you get a 100% commission starting at $2 million in production.
- This incentive encourages MLOs to contribute to the company’s success by bringing in top-performing Originators.
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Revenue Share Program:
- Interested in building a business within a business? NEXA Mortgage offers an enticing Revenue Share Program.
- By introducing other Originators to NEXA, you can earn a portion of their commissions, creating a powerful source of passive income.
- As you develop your downline and help others succeed, your Revenue Share can grow significantly.
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Daily Payouts:
- Gone are the days of waiting for weeks to receive your commissions.
- NEXA Mortgage pays you daily, treating you like a realtor and ensuring you get your hard-earned money promptly1.
Remember, always do thorough research and consider all aspects before making any decisions. If you’re interested in joining NEXA, reach out to them directly to explore the opportunities further!
https://gustancho.com/career-opportunities/
- This discussion was modified 9 months ago by Gustan Cho.
- This discussion was modified 9 months ago by Gustan Cho.
- This discussion was modified 9 months ago by Gustan Cho.
- This discussion was modified 9 months ago by Gustan Cho.
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If a NMLS licensed loan officer works for a mortgage broker and is licensed in 30 states, can the loan officer be paid their commissions by 1099 on states that he is licensed in that allow 1099 compensation and be paid W2 on states that do not allow 1099 compensation>
- This discussion was modified 9 months ago by Gustan Cho.
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Who is this Anthony Fauci? Is he a medical doctor? Does he have a PhD? Does Anthony Fauci a real doctor? Is the information that Dr. Anthony Fauci worked for more than 50 years at the National Institutes of Health worked to manage U.S. public health crises, such as the HIV/AIDS epidemic in the 1980s, the West Nile Virus outbreak in 2009, H1N1, Ebola, Zika and Severe Acute Respiratory Syndrome (SARS), among others true? Did doctor Fauci was leading monster to have created and launched coronavirus and was in charge of developing the coronavirus vaccine to be used as a weapon of mass destruction? Did Dr. Fauci kill thousands of Beagle dogs to use them for lab testing purposes? Is Dr. Fauci a monster or a real doctor who wants to help people?
https://www.youtube.com/watch?v=KxwcdiX9dPI
- This discussion was modified 7 months, 4 weeks ago by Danny Vesokie | Affiliated Financial Partners.
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West Virginia Senator Joe Manchin leaves the Democrat Party one day after Donald Trump’s guilty verdict on 34 felony charges. It’s coming faster than expected, folks. Donald Trump’s charges, trial, and guilty verdict is backfiring on the Democrats. I expected Trump guilty verdict backfiring on the Democrats but not this fast. More political chaos is expected in the coming days a weeks. Fatman Alvin Bragg is gleaming with joy saying he did his job. Fatso Alvin Bragg has been vowing to bury Former President Donald Trump.
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I am a pizza! Caio! I came to this country from humble beginnings, not sure exactly where or when. But, I know I am Italian by birth, somewhere in the south, maybe Naples or Rome. I’m a simple dish made from flour, tomatoes, and cheese; yes, I have evolved and morphed into something entirely different.
Many other countries claim I am theirs; that’s because they all have flatbread with some cheese and tomatoes. I’ll tell you what I wasn’t born with: pepperoni, pineapple, and other toppings. No pepperoni in Italy; it’s soppressata, an Italian sausage.
Gennaro Lombardi was the first Italian to introduce me to America. I grew up on the Lower East Side of Manhattan, 23 1/2 Spring Street in Little Italy, a block away from Mulberry Street. I’m still here after 120 years. He took his recipe from Naples, Italy. Although pizza varies from Italian province to Italian province, I’m still basically the same.
Roman makes oval pizza, Naples’s pizza is round, and Sicilian pizza is square. Now we have thin-crust and deep-dish pizza. New York pizza is different from Italy; in New York, you walk down the street with the pizza folded and olive oil dripping down your arm. The only toppings I’m okay with are anchovies, olives, oregano, and red pepper. I don’t need much; fresh basil is nice to make a Margarita pizza. This pizza displays the color of the Italian flag, red, green, and white.
I really think I am the most popular food in the United States. Lots of countries take credit for me. I was called focaccia, just a flatbread, 2000 years ago. I have seen many things in my life. Did I ever tell you the time I first witnessed wine being discovered? I mean, what goes better with pizza than red wine.
So, I’m lying around just cooling off after just coming out of the oven, waiting to be devoured. All of a sudden, these Romans start throwing all these discarded pieces of fruit, mostly grapes, into a huge terra cotta vat in the corner. After a few days, it began to stink! It smelled like rotten eggs, which I learned was H2S, Hydrogen Sulfide. Whatever gave the Roman Centurian the idea to drink it? I thought for sure he would get sick and vomit. Instead, he suddenly turns to address the Roman Senate and says, “It needs more time.” Two weeks later, the rotting fruit turned into my favorite beverage – wine.
The same was true for cheese years ago; you encourage this mold to grow. The mold is yeast and is cultured into cheese. Many kinds of cheese really stink, so my question always was, “How do you know when cheese is bad?” You can just cut the mold off and eat the rest. I prefer “muzzarella,” aka mozzarella, made from Italian buffalo. The fresher, the better. Yes, I know “muzz” is hard to melt; that’s why the oven is over 1000 degrees.
I love when olive oil is drizzled over me; it tickles! The olive oil simmers, the cheese melts, and the tomatoes are cooked. Boy, do I smell good! I don’t even feel the pizza cutter slice through me. I am a pizza! I am round, square, and oval. Any way they make me; I am a pizza! Bon Appetite!
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Want to congratulate Stephen LaFlamme on his new addition to his family, Pepper. Beautiful pup and well deserved. No doubt Pepper will have a lifelong safe and great home. Here’s a note from Steve LaFlamme:
I just got Pepper, standard size merl colored labradoodle. I couldn’t pass on this one.
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Kevin Hart is one of the funniest comedians today
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Poor Kevin... #kevinhart #dwaynejohnson #jimmyfallon #viral #fyp | | live_n_moments · Original audio
Poor Kevin... #kevinhart #dwaynejohnson #jimmyfallon #viral #fyp. live_n_moments · Original audio