[Susan]

More humiliating news for the Noem Family. Bryron Noem, the husband of Former Secretary of Homeland Security Kristi Noem is on national news because photos of him as a cross dresser surfaced. The claim circulating is about Bryon Noem — Kristi Noem’s husband — not and the reporting says alleged cross-dressing photos and messages surfaced in a Daily Mail story that other outlets have repeated. Fox News and other outlets say the photos were not independently authenticated by them, so it’s best to treat the images as alleged rather than established fact.

What the reports say

The published accounts describe photos said to show Bryon Noem in women’s clothing with padded or fake breasts, along with explicit online messages tied to a fetish community. The story has been framed as a personal and political embarrassment for the Noem family, but the underlying images and claims have not been independently verified by all outlets covering them.

https://www.youtube.com/watch?v=700Ua_c_GVQ

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

[Susan]

NEXA Lending and Coast to Coast Mortgage Lending (C2C) both start from the same 275-basis-point yield spread paid by the wholesale lender to the brokerage company, but their approaches to splitting or deducting that compensation create meaningfully different outcomes for an independent mortgage loan officer or net branch.

Under NEXA, the company applies a two-part deduction from the full 275 basis points:

• NEXA first takes 25 basis points only on the first three million dollars of any loan amount and waives that portion entirely on any dollars above three million, which effectively reduces the company’s percentage take on larger loans.
• It then applies a flat additional 30-basis-point deduction across the entire loan.
• For any loan of three million dollars or less, these combined deductions leave the loan officer with a clean net of 220 basis points.
• On loans larger than three million dollars the waived 25-basis-point layer on the excess amount pushes the net compensation upward, approaching but never quite reaching 245 basis points as the loan grows very large.
• If the loan officer is classified as a 1099 independent contractor, NEXA pays the full net basis points directly.
• If the officer is structured as W2, NEXA withholds an extra 10 percent of that net amount for employer tax matching, so the officer receives only 90 percent of the already-calculated 220-basis-point (or tier-adjusted) figure.
• In either employment status the independent loan officer remains responsible for paying all of their own marketing, licensing, office, and other business expenses out of pocket.

C2C, by comparison, passes the entire 275-basis-point spread straight through to the independent mortgage loan officer or net branch with no percentage split at all.

• Instead, the company simply deducts a flat per-file fee from the officer’s gross compensation on every closed loan.
• That fee begins at $995 per file when the branch or team closes six or fewer loans in a month.
• It drops to $795 per file once seven or more loans are closed in the month, and it falls further to $595 per file when monthly volume exceeds ten loans.
• Because the deduction is a fixed dollar amount rather than a percentage, its impact shrinks rapidly as loan sizes increase and as monthly production volume rises.
• Like NEXA’s 1099 option, the C2C independent loan officer or net branch pays all of their own expenses, but the structure gives the officer access to the full 275-basis-point gross before the flat fee is subtracted.

Case Scenario Compensation Comparison

When comparing concrete case scenarios, the two models diverge sharply depending on loan size and monthly volume.

• Take a moderate-sized $500,000 loan closed by a solo 1099 loan officer who is closing only a handful of files per month.
• Under NEXA the officer receives the fixed 220 basis points, which equals $11,000 in gross compensation before expenses.
• Under C2C the same officer receives the full 275 basis points worth $13,750 minus the standard $995 per-file fee, leaving $12,755 or an effective net of roughly 255.1 basis points. In this low-volume, average-sized loan situation C2C therefore delivers noticeably higher take-home pay.

Case Scenario of $500,000 Loan

Shift the scenario to a high-production mortgage net branch closing twelve loans per month, each still sized at $500,000. NEXA’s compensation remains locked at 220 basis points or $11,000 per loan regardless of volume. With C2C the branch now qualifies for the lowest $595 per-file fee, so the officer or branch keeps $13,750 minus $595, which equals $13,155 or an effective 263.1 basis points per loan. The volume discount widens the gap dramatically, making C2C far more rewarding for productive teams.

Case Scenario of $250,000 Loan

Now consider a smaller $250,000 loan in a low-volume environment.

• NEXA still pays the fixed 220 basis points, producing $5,500 gross.
• C2C pays the full $6,875 gross spread minus the $995 fee, resulting in $5,880 or an effective 235.2 basis points.
• C2C still leads, but the flat-fee burden is heavier relative to the smaller loan size, so the advantage narrows compared with larger loans.

Case Scenario of $4 Million Loan

On the opposite end, examine a jumbo $4,000,000 loan.

• Because this amount exceeds NEXA’s three-million-dollar threshold, the waived 25-basis-point layer on the excess one million dollars lifts the net above the standard 220 basis points to 226.25 basis points, or $90,500 gross.
• With C2C—even at the highest $995 fee—the deduction is only about 2.5 basis points, so the officer keeps roughly 272.5 basis points or $109,005.
• The flat-fee model therefore creates a substantial edge on very large loans where the percentage spread dwarfs the fixed cost.

W2 Income vs 1099 Compensation Case Scenario

Finally, factor in NEXA’s W2 option on that same $500,000 loan. The 10 percent employer-tax withholding reduces the already-calculated $11,000 gross to $9,900 net to the employee. This is the lowest payout among all the scenarios examined, though the W2 route might carry other non-compensation benefits such as payroll tax handling or company-provided resources that are not detailed here. Across the board, NEXA delivers more predictable, strictly percentage-based earnings that remain steady for typical loan sizes but improve modestly on jumbo loans, while C2C’s full-spread-plus-flat-fee structure rewards higher loan amounts and higher monthly volume and generally produces higher net compensation once the per-file fee is covered. The better choice hinges on whether an officer expects mostly moderate loans and lower volume (where the gap is modest) or larger loans and stronger production (where C2C pulls clearly ahead), as well as on the preference for 1099 versus W2 tax and expense treatment.

[Susan]

Here is a very informative guide written on GCA MORTGAGE GROUP about GCA FORUMS WHOLESALE LENDER DIRECTORY

https://gcamortgage.com/preferred-wholesale-lender-directory/

gcamortgage.com

Preferred Wholesale Lender Directory On GCA Forums

Build your lender network fast with the Preferred Wholesale Lender Directory on GCA Forums—290+ lenders, filters, profiles, and backlink strategy.

[Susan]

NEXA Lending and AquaShell Understanding Shell Company Acquisitions

Mike Kortas and NEXA Lending (formerly NEXA Mortgage) are accelerating growth by acquiring shell companies. These dormant entities possess the required legal documentation, licenses, and approvals but have not commenced operations. Acquiring a shell allows NEXA to bypass the lengthy and costly process of building a business from the ground up, enabling immediate operations.

In finance, shell companies are valued for facilitating new funding, partnerships, and rapid loan service launches. While this strategy is legal, it can raise concerns about transparency and tax practices. There is no evidence of such issues at NEXA.

Kortas is developing a network of shell LLCs to form joint ventures with leading teams, builders, real estate firms, and other partners. For instance, one shell LLC associated with Movement Mortgage is pursuing approvals from Fannie Mae, Freddie Mac, and Ginnie Mae. Most of these shells are agile, two-state mortgage brokers already within NEXA’s network, which streamlines integration. Kortas emphasizes that the primary objective is to increase loan volume and expand wholesale market share, not to engage in questionable practices.

Impacts on Current Loan Officers and Branch Managers

This strategy presents both opportunities and uncertainties for NEXA’s more than 3,000 loan officers. Collaborating with other companies may create new income streams, such as partnerships with builders and construction loan firms, and could accelerate deal flow, resulting in more loans and higher compensation. Shell companies with existing licenses, including HUD approval, enable NEXA to enter new states and expand its product offerings. However, significant organizational changes can raise concerns and affect morale, particularly regarding compensation, new partners, or shifts in the relationship with UWM, NEXA’s largest wholesale partner.

Some partnerships may require NEXA to fund loans directly, increasing control but potentially adding responsibilities for loan officers. To date, there are no indications of major layoffs or operational issues; the primary focus remains on growth.

With appropriate licenses and approvals, NEXA could expand to over 5,000 officers and compete with larger firms. Partnerships with builders and agencies may also boost loan officers’ earnings. These collaborations facilitate resource and technology sharing, and closer cooperation can lead to profit sharing, as demonstrated by AXEN Mortgage. By integrating broker and agency models, NEXA seeks to strengthen partnerships and streamline ownership and sales, moving away from traditional retail approaches.

Cost Savings On Acquisition Of Shell Companies vs Starting Ground Up

• Cost savings: By leveraging established brands for certain shell companies, NEXA avoids the time and expense of launching new ventures from scratch.
• Negative Consequences: Partnership and Regulatory Risks: If an agency takes control of a shell company, it could delay approvals and invite more scrutiny.
• This could also strain NEXA’s relationship with UWM, given strict limits on in-house delegated underwriting.
• Meanwhile, social media buzz on LinkedIn and X has sparked rumors that NEXA might exit retail or be sold, prompting some recruits and partners to reconsider.
• Internal politics: A lawsuit filed by former co-founder Mat Grella, which was dropped in 2024 after allegations of misused funds and airplane purchases, has brought increased attention to NEXA’s leadership and business practices.
• Market Sentiment: Volatility in the mortgage market underscores the importance of stable leadership and a clear strategic vision.
• Rapid acquisitions may risk diverting NEXA from its wholesale focus.
• There have been no public indications of a move toward retail, launching a separate mortgage bank, or selling the company.
• The planned 2025 rebrand from NEXA Mortgage to NEXA Lending reflects a shift to a lender model, with most loans processed in-house at wholesale rates and the retirement of the “Brokers Are Better” slogan.
• The recent relaunch of AXEN REALTY and AXEN Mortgage under the NEXA umbrella broadens the company’s broker and banker services, with transparency as a key priority.
• A renewed leadership team is guiding NEXA’s growth beyond retail.
• While the relationship with UWM continues, increased in-house operations through shell companies may challenge that partnership.
• For servicing, Kortas is reportedly seeking additional agency approvals via shell companies to strengthen NEXA’s wholesale business and explore co-issue strategies that retain servicing rights from the outset.
• Although a co-issue deal with CrossCountry Mortgage did not materialize, some industry observers believe NEXA aims to retain more servicing income without shifting to retail.
• This could involve partnerships where NEXA services loans for others, providing steady revenue even during market downturns.
• The current focus remains on securing approvals and ensuring long-term stability.

In summary, Kortas is leading NEXA’s growth through acquisitions and joint ventures aimed at wholesale expansion. He is recognized for his transparent and open leadership style. If you are considering joining, weigh the opportunities of rapid growth against ongoing industry speculation. NEXA offers a low- or no-cost platform, competitive compensation, and strong incentives for top performers. Consulting a financial planner before making a decision is recommended.

https://www.youtube.com/watch?v=etVOl1z_txg

[Susan]

“We provide you with the most recent information, analysis, and insights on gold and silver. The price of gold, gold forecasting, gold prediction, silver price, market trends, investment techniques, and industry news are just a few of the many topics we cover in our videos. We provide interviews with a variety of specialists, including Alasdair Macleod, Mike Maloney, Michael Oliver, Rick Rule, Chris Vermeulen, Andy Schectman, and Peter Schiff. Stay up to date with the world of finance and make informed decisions with our expert insights. Subscribe now and never miss a video!”

https://youtu.be/YlaEzi2kMsM?si=UXVjXY685__LKypi

• This reply was modified 5 months, 2 weeks ago by  Sapna Sharma.

[Susan]

I really never liked this arrogant SOB but for some reason I ran into this Kevin O’Leary who goes by Mr

Wonderful. The more I listen to him he does make sense

Kevin O’Leary Gold vs Silver in 2026 – Which One Wins Big
The heavyweight championship of asset classes has arrived in January twenty-twenty-six: Gold versus Silver. While Gold remains the undisputed king of wealth preservation and the ultimate insurance policy against sovereign debt and currency debasement, Silver is emerging as the high-growth challenger, driven by inelastic industrial demand and explosive volatility.

Investors are urged to stop viewing these metals as an “either/or” choice and instead adopt the “Shield and Spear” strategy—using Gold to protect purchasing power and Silver to capture asymmetric upside. By holding both in a disciplined portfolio, smart capital can weather the storm of sticky inflation and geopolitical fracturing while capitalizing on the greatest wealth transfer of the decade.

https://youtu.be/f0QvKmM8z74?si=zQHwPOt0jx1Qnye7

[Susan]

#Silver​ #StrategicMineral​ #SilverSeizure​ #SilverNews​ #PreciousMetals​ #SilverStackers​ #SilverShortage​ #SilverPrice​ #silverinvestment​ IT’S HAPPENING: Silver Declared a Strategic Mineral — Seizure & Price Shock Next?:Description:

Silver has officially entered a new global phase. Governments are now labeling silver as a “Strategic Mineral”, putting it in the same category as rare earths, lithium, and uranium.

What does this really mean for investors, stackers, and everyday people? Could this lead to export controls, price manipulation, forced sales, or even seizure policies like we’ve seen in history with gold?

In this video, we break down:

Why silver is suddenly critical to energy, military, and technology

What “strategic mineral” status legally allows governments to do

Historical examples of metal confiscation

Whether silver holders should be worried — or prepared

This is not fear… it’s math, history, and policy colliding. Watch until the end.

Timestamps With Emojis:

00:00​ Breaking News: Silver Status Changed01:18​ What Is a “Strategic Mineral”?03:02​ Why Governments NEED Silver04:55​ Global Supply Crisis Explained06:42​ History of Metal Seizures08:35​ Could Silver Be Confiscated?10:21​ What This Means for Prices12:08​ How Investors Should Prepare14:10​ Final Warning & What Comes Next

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https://youtu.be/rrTCQqYUhT0?si=9s1FWVxe4_mw-uTZ

• This reply was modified 5 months, 3 weeks ago by  Sapna Sharma.

[Susan]

Did you know the US government once seized private gold overnight? In 1933, gold was taken by law with a single signature. No warning. No debate. Today, silver has been declared a US strategic mineral, raising urgent questions about silver confiscation, government control, national security, and private ownership.
Silver is no longer just an industrial or precious metal. It is now tied to the power grid, the military, clean energy, and US national defense. In a national emergency, “strategic” does not mean protected. It means prioritized and controlled. Rules can change without a knock on the door or a new law, turning private silver into a public resource.
This video breaks down the historical gold confiscation of 1933, why silver’s new classification matters, how government control really works, and what this could mean for silver owners today. If you think this cannot happen again, or that silver is immune, you need to pay attention.

https://youtu.be/IVzt9Ok1ZAg?si=x6T6Tj9Hru2IUuwb

• This reply was modified 5 months, 3 weeks ago by  Sapna Sharma.

[Susan]

Copper is disappearing — and almost no one is paying attention.

While investors focus on gold and silver, something far more dangerous is unfolding quietly beneath the surface of the global economy.

Physical copper has vanished from major retail dealers.
Prices have surged past historic levels.
Inventories are thinning.
And demand from AI, electrification, defense, and data centers is accelerating faster than supply can respond.

In this video, we break down why copper may be entering a structural supply crisis — and why this isn’t just bullish… it’s systemic.

We cover:

• Why copper disappeared from retail markets
• What the $13,000+ per ton breakout really signals
• The looming 10 million-ton global supply shortfall
• Why AI data centers are becoming copper black holes
• Amazon’s unprecedented move to secure copper directly from experimental mining
• How U.S. tariffs are distorting global inventories
• Why copper, silver, and gold are now moving together
• And what this means for the future of energy, inflation, and global stability

This is not speculation.
This is not hype.
This is what happens when physical reality collides with financial systems.

Gold warned first.
Silver exposed stress.
Now copper is revealing the bottleneck of the modern world.

If copper disappears before the public notices…
the repricing won’t be gradual.

It will be sudden.

📌 Timestamps:

0:00​-2:07​ Copper Is Gone (Intro)
2:08​-3:56​ EVERYTHING Is BREAKING
3:57​-8:05​ $20,000 Copper Soon?
8:06​-10:12​ Copper & AI
10:13​-11:10​ Amazon’s Desperate Move
11:11​-12:20​ Tariffs & Inventory Distortion
12:21​-15:41​ Copper, Silver & Gold
15:42​-16:42​ The Big Picture (Conclusion)

We bring you the latest news, insights, and analysis on gold, silver, and copper. Our videos cover a wide range of topics, including gold price, gold prediction, gold price forecast, silver price, silver price prediction, copper price, market trends, investment strategies, and industry news.

https://youtu.be/tGkAkl0BpKE?si=uL4DYbsjwbkjizdW