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.

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

• 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.

• Be Cautious with New Accounts: Regularly opening new credit accounts can decrease the average age of your credit history.

• 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

• 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.

• 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.

• 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

• 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.

• Frequent Account Churning: Regularly opening and closing accounts, often lured by short-term bonuses or offers, can harm the length of your credit history.

• 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.

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 10 months, 4 weeks ago by  Gustan Cho.

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:

• 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.

• Installment Credit: Loans with fixed terms and regular payments, like mortgages, auto loans, and student loans.

• 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:

• Show Lenders Versatility: A diverse credit portfolio illustrates to lenders that you’re adept at managing different types of credit responsibilities.

• Provide Safety Nets: Different credit types can offer varied advantages in financial emergencies.

• 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

• 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.

• 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.

• 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.

• 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.

• 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:

• Overborrowing: Just because you have access to diverse credit doesn’t mean you should max out all available options. Always borrow responsibly.

• 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.

• 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.

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

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 ​

I am not familiar with bank statement loans. Can you please explain how bank statement loans work.

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!

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 1 year, 3 months ago by  Sapna Sharma.
• This discussion was modified 11 months, 1 week 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.

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.

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:

1. 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.

2. 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!

3. 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.

4. 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.

5. 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 1 year, 1 month ago by  Gustan Cho.
• This discussion was modified 1 year, 1 month ago by  Gustan Cho.
• This discussion was modified 1 year, 1 month ago by  Gustan Cho.
• This discussion was modified 1 year, 1 month ago by  Gustan Cho.

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 1 year, 1 month ago by  Gustan Cho.

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 12 months ago by  Danny Vesokie | Affiliated Financial Partners.

What is the lowest credit scores you can have to qualify for NON-QM JUMBO LOANS?

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.

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!

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.

Kevin Hart is one of the funniest comedians today

https://www.facebook.com/share/r/ZdLBaPY5JiYuChFS/?mibextid=D5vuiz

facebook.com

Poor Kevin... #kevinhart #dwaynejohnson #jimmyfallon #viral #fyp | | live_n_moments · Original audio

Poor Kevin... #kevinhart #dwaynejohnson #jimmyfallon #viral #fyp. live_n_moments · Original audio

This subforum will feature Tatiana Bougdaeva, a mortgage loan originator licensed in multiple states and banking professional with over thirty years of experience. Besides being an expert in the lending and real estate profession.

Tatiana Bougdaeva @Tatiana My good friend and business associate Tatiana Bougdaeva is a the owner, founder of Kalm Strategy. Tatiana Bougdaeva is a life coach and will explain what she does helping fight the aging process, and bringing yourself to peaceful and healthy life style.

Organic Anti-Aging Coaching Program

Check out her website at http://www.kalmstrategy.com

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

kalmstrategy.com

Kalm Strategy | Stress management, bring peace, health and wellness, Yoga, Reiki and Shamanic healing

Kalm Strategy | Stress management, bring peace, health and wellness, Yoga, Reiki and Shamanic healing

Homebuyers can get seller concessions for a home purchase from the seller up to 6% of the home purchase price which can be quite large. So on a $500,000 home purchase, the seller concessions can be a total of $30,000. Can the home buyer use the $30,000 on a $500,000 home purchase for the down payment?

NMLS distance from mortgage company brick and mortgage location to personal residency requirements on individual states.

https://docs.google.com/spreadsheets/d/1SE5mgppadh9ZJh0gcqek636JKcNOcOQ42pLhH39x6e4/edit?usp=drivesdk

• This discussion was modified 4 months, 3 weeks ago by  Sapna Sharma.

When is a good time to refinance if you have a 7.5% rate on FHA loan? I heard mortgage rates are dropping lower.

An XML sitemap is an important tool for search engine optimization (SEO) for a few key reasons:

1. Indexing: A sitemap helps search engines like Google and Bing to better understand the structure of your website and more efficiently crawl and index all of your site’s pages. This can help ensure all of your content gets discovered and indexed.

2. New content discovery: When you update your sitemap as you publish new content, search engines can more quickly find your latest blog posts, products, services, etc. This helps get your new content indexed faster.

3. Page priority: A sitemap allows you to indicate the relative priority of each URL on your site. This signals to search engines which pages you deem most important for indexing and ranking purposes.

4. Eliminates crawling issues: By mapping out all URLs on your site explicitly, you can minimize issues search engines might have discovering pages, like pages deep in your site architecture. This ensures search bots don’t miss important content.

5. Provides metadata: In a sitemap, you can include optional metadata for each URL like when the page was last updated, how often the page changes, alternate language pages, and more. This extra data can aid search engines in understanding your site.

So in short, an XML helps search engines efficiently crawl your site, ensures all pages get discovered and indexed, communicates page priority levels, avoids crawling issues, and sends valuable metadata about your content to search providers. This all contributes to better rankings and visibility in organic search results.

I have never been so sure of anything like I am with investing in silver. Both Gold and Silver are great investments. The truth is that big banks and the Globalists have been shorting silver and gold. The dollar is not backed by anything but a by-product of the Democrats and Globalists printing it whenever they are short of buying things. The Globalists are in major panic mode because their printing press is over if silver takes off. My prediction is the Feds are going to evaporate, major Democrats like Obama, Pelosi, Biden, Schiff, Gavin Newsom, BJ Giver Kamala Harris, and Rhinos like George Bush and Mick Romney are going to get locked up and sent to Guantanamo Bay, and executed. Right now, 25 dollars an ounce will probably be the last call to buy silver. Don’t buy paper silver. Buy the silver bars or coins. The physical silver where you can touch it, feel it. Smell it, and see it. I would not be surprised if silver goes over $1,500 per ounce.

Does anyone know anything about C2 FINANCIAL and why so many loan officers are leaving their retail mortgage company and going to C2 FINANCIAL?

Forums are powerful for you to generate organic traffic which in turn get call to action and get those organic traffic converted to customer leads. Watch this video. We will cover more on the power of FORUMS to succeed and using FORUMS TO BE YOUR MARKETING PLATFORM as a loan officer or real estate agents. Here are some effective strategies for using online forums to generate organic traffic and leads:

1. Identify Relevant Forums Research and join forums where your target audience is active. Look for large, authoritative forums in your industry or niche.
2. Create a Value-Driven Profile Set up a complete profile with your name, photo and a compelling bio highlighting your expertise. This builds credibility.
3. Engage Consistently Don’t just drop links – participate actively by answering questions, offering advice and creating high-quality content contributions. Build relationships.
4. Add a Signature Link Most forums allow signature links back to your site or landing page. Keep it simple, compelling and relevant.
5. Share Original Content Post original data, research, case studies or unique insights that provide massive value. This exhibits your authority.
6. Seed Strategic Questions Occasionally ask questions related to your products/services to organically promote awareness and sharing of solutions.
7. Offer Consultation/Support Provide free consultation or support to members having relevant problems/needs you can help with. Share insights then suggest exploring further.
8. Give Away Premium Content Like guides, checklists or templates related to your expertise. Incentivize with exclusive subscriber content.
9. Feature Customer Success Share customer success stories, reviews or use cases relevant to the forum’s interests.
10. Host Contests/Giveaways Run contests or giveaways forum members can enter by visiting your site and completing an action like subscribing.

The key is to focus on providing immense value first. Build authority, rapport and trust – then you can steadily convert interested members into leads or traffic.

https://youtu.be/rHokl4skVjY?si=hdeLj_Ja1gJ1q3_a

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

Ladies and gentlemen, breaking news. Our first transgender first Lady, Big Mike Obama

Home prices in Florida are 35% over valued which is making real estate investors in a frantic panic on an investment property sell off. Real estate inventory levels are exploding. Prior to the coronavirus pandemic, home prices in Florida was undervalued. Now, it is the pandemic correction market and are overvalued significantly. There are reports that real estate investors in Florida are growing increasingly concerned about the rising inventory levels and cooling housing market conditions in the state. Here are some key points about the situation:

1. Inventory surge: After years of extremely tight housing inventory, the number of homes listed for sale in Florida has surged significantly in recent months. This is being driven by sellers looking to cash out amid high prices and buyers pulling back due to elevated mortgage rates.
2. Investor pullback: Many real estate investors, including those who bought properties to flip or use as short-term rentals, are reconsidering their strategies. The fear is that they may not be able to sell or rent out properties as easily or at the prices they had anticipated.
3. Price cuts: To attract buyers in the shifting market, some investors are already slashing asking prices on their listings, leading to concerns about potential losses on their investments.
4. Increased holding costs: With higher mortgage rates and economic uncertainty, the carrying costs of holding onto investment properties have risen, putting pressure on investors’ cash flows.
5. Airbnb impact: The short-term rental market in tourist hotspots like Florida has also cooled, making it harder for investors to rely on platforms like Airbnb for steady income streams.
6. Oversupply fears: There are worries that if too many investor-owned properties flood the market simultaneously, it could lead to an oversupply situation and further drive down prices in some areas.

While it’s still early to determine the full extent of the impact, the rapid changes in Florida’s housing landscape have caught many real estate investors off guard. Some may be forced to recalibrate their investment strategies or exit the market entirely to cut their losses.

https://www.youtube.com/watch?v=5mUS43VYNrc

What do they mean by being a high-cost mortgage loan? How would you answer this question on high-cost mortgage loans?

Robert took out a high-cost loan in Utah for $250,000 at 90% LTV at a rate of 11% and kept the loan for two years. Robert is now paying off the current loan amount of $247,617. What is the maximum prepayment penalty that can be charged under the Utah High-Cost Loan Rule? Calculate using simple interest.

Here is the answer to the above question:

Six months of interest at 80% of original value $250,000/90% (0.90)=$277,777 value x 80%= $222,222×11%(0.11)=$24,444/12×6 months= $12,222.

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

Seems like everyone is an expert in the media where they say that mortgage rates are still low. Jim Kramer of CNN is the biggest liar and bullshitter who has great talent. Jim Krammer talent is lying with a straight face on national television on how great the economy is, how inflation is under control, and how mortgage rates are still low compared to 1980. All of these liberal clowns need to shut down their clownshow and get off the air. What are your thoughts of mortgage rates forecast in the coming months through 2025? What are your thoughts of inflation, the housing market, the stock market, the dollar, unemployment, and investment opportunities?