What values do you think makes for a healthy relationship?

I am an Experienced Mortgage Loan Originator. How Can You Approach a Home Builder and Become The Builder’s Preferred Lender. Why do home builders want to use you as their preferred lender? How do you become a Preferred Lender of a Home Builder? What do home builders want of a preferred lender. The bottom line is How Do You Become a Preferred Lender For a Home Builder? What can I do to get an opportunity to become a preferred lender for a regional or national home builder?

How Do Lenders Calculate Income With Bank Statement Loans?

Can you please explain in detail what is the NAR Settlement for 2024? How will the NAR Settlement affect realtors? What is the ruling against the National Realtors Association? Who is going to benefit and receive money from the NAR settlement? Walk me Through August 17th, Buyers Now Pay Their Realtor’s Commissions. I started reading more into the August 17th 2024 date where suddenly homebuyers now pay the buyer real estate agent. Home sellers are only responsible to pay their seller real estate agent. As someone who plans to be both a seller and a buyer sometime in the near future, I am interested in both sides of this. This is really complicated and many real estate agents think they will be out of business. Maybe there are no real answers yet, but I want to hear other’s thoughts.

https://youtu.be/QKItI0C3K6M?si=X5fPAt7i4sEd783H

• This discussion was modified 5 months ago by  Lilly.
• This discussion was modified 5 months ago by  Gustan Cho.

Property Tax Assessment Fraud Nationwide. Did the Jackson County Property Tax Assessor commit Property Assessment Fraud? Missouri orders Jackson County property tax rollback, sparking fears of budget shortfalls. What parcels are in Jackson County, Missouri? What role does a tax assessor play in determining property taxes? How do I get the extra money I paid in property taxes due to property tax assessment fraud?

https://youtu.be/sVGD2ccUiq0?si=hiyhLJZa3U-o5eyN

• This discussion was modified 5 months ago by  Gustan Cho.

Ever since I remember, Florida was the top favorite preferred state to relocate. Retired Americans moved to Florida to live their final days and die there. Is that still the case?

https://youtu.be/heeyfsnW9_k?si=yp74q9MnZcDZFiGg

What is an APR? What is the difference between regular interest rate versus APR? How do you calculate APR on my mortgage interest rate? Is there a formula to calculate APR? Can we go over case scenarios calculating APRs?

From my understanding, there are different types of FICO Models and every creditor uses a certain FICO Scoring Model. What FICO Model do Lenders Look at For FHA Loans? What FICO Model does FHA use? What is the most accurate FICO Score Model?

Can you explain what LOX mean from my mortgage underwriter?

During his 2005 commencement speech at Stanford University, Steve Jobs talked about three personal anecdotes that illustrated some important points for the graduating class. These stories represent the things he wanted to work together on:

1. Connecting the dots

Key points:

Dropping out of college – six months after starting at Reed College, Jobs dropped out but continued to hang around campus and take classes that interested him.

Calligraphy class – although it seemed impractical at the time, taking a calligraphy class was integral in designing typography on the Macintosh computer.

Trusting your path – you can’t connect the dots looking forward; you can only connect them looking backward. Trusting that your future dots will connect down the line is what gives you hope even when it doesn’t make sense now.

Lesson: Have faith in yourself by following your curiosity, even if it seems irrelevant at present.

2. Love & loss

Key points:

Founding/firing from Apple – Starting Apple in his parents’ garage and getting fired from a company he built up were mentioned by Jobs.

Finding new passion(s) – Following those events, he found other projects (NeXT, Pixar) which eventually brought him back to Apple.

Importance of loving what you do – He said people should seek out what they love because work will consume most of their lives; and you can only be satisfied if you do great work believed in.

Lesson: Continue striving for success despite failure setbacks as this may open bigger doors later on.

3. Death

Key points:

Facing mortality – Being diagnosed with an uncommon form of pancreatic cancer made death more real for him than ever before, according to Job’s speech.

Living purposefully – Realizing life is short and not wanting to waste any more time living someone else’s dream or being confined by other people’s thinking after such an experience changed everything for him personally;

“Stay hungry. Stay foolish.” Afterward he concluded with this advice from the back cover of the final issue of The Whole Earth Catalog, which urged people to never stop being curious and settling down in their lives.

Lesson: Recognize life’s impermanence so you can focus on what really counts – continual growth and learning.

In summary

Steve Jobs’ three narratives from his commencement address share these collaborative themes:

Trust the process – stay curious even when there isn’t a clear path ahead.

Follow your passion – don’t give up on what you love because setbacks are stepping stones to better opportunities.

Live purposefully & urgently – embrace change as a necessary part of growth while staying curious all through life about everything around us.

These ideas collectively encourage individuals to trust themselves, work hard at what they are passionate about and live intentionally with curiosity every step of the way.

Here’s Steve Jobs inspirational commencement speech.

https://www.facebook.com/share/r/zY5SnLPZGEtccdJh/?mibextid=NqTh7c

• This discussion was modified 5 months, 1 week ago by  Gustan Cho.

facebook.com

3,9 jt tayangan · 1,5 rb komentar | The story of this man is so inspiring and worth listening to. He changed his story by the action he took in difficult times, change yourself listen and... | By Barka U. MsheliaFacebook

The story of this man is so inspiring and worth listening to. He changed his story by the action he took in difficult times, change yourself listen and...

Shots were fired at former President Donald Trump campaign rally this afternoon grazing the former President by his ear breaking his skin to make him bleed. There are no details about the shooter and how many people were involved. We have no news whether the gunman is caught or still at large. Once shots were fired, Secret Service Agents swarmed the podium for cover of Former President Donald Trump. Trump was whisked away by a team of Secret Service Agents into a black SUV for safety and medical assistance. Trump gave a fists up to relay he was alright to his supporters. From the look of things, former President Donald Trump seems not injured except for a graze by his ear but was bleeding. Excellent news is former President Donald Trump is safe and in good hands with the protection of the U.S. Secret Service. Me and members of GCA FORUMS will keep our members posted on any updates.

https://www.youtube.com/live/iYeUO1K5H9A?si=cLpX4PmNhKkNOust

• This discussion was modified 6 months, 1 week ago by  Harlan.

What is Ohio Housing Forecast? How are the housing prices and cost of living in Ohio? What are the average home prices in Ohio? What are home prices in Ohio compared to other states in the nation? Have home prices in Ohio skyrocketed like other states? Are people priced out of the housing market in Ohio like they are priced out of the housing market in California? Is buying a house in Ohio a good investment? How is it like to raise a family in Ohio? What are the areas with the best school district in Ohio? Is relocating to Ohio from other high taxed states a good idea? Is investing in real estate in Ohio a great idea?

Factoring and Merchant Cash Advance (MCA) are two different financial arrangements that businesses use to access funds based on their accounts receivable, but they work in distinct ways:

1. Factoring:

Factoring is a financial transaction where a business sells its accounts receivable (unpaid invoices) to a third-party financial company known as a “factor” at a discounted rate. In exchange, the business receives immediate cash, typically a percentage (e.g., 80–90%) of the total invoice value upfront. The factor assumes the responsibility of collecting payments from the customers on those invoices.

Here’s how factoring typically works:

• A business provides goods or services to its customers and generates invoices with payment terms (e.g., net-30, net-60).
• Instead of waiting for these invoices to be paid, the business sells them to a factoring company.
• The factoring company pays the business a portion of the invoice amount upfront, usually within 24-48 hours.
• The factoring company then takes over the responsibility of collecting payments from the customers.
• Once the customers pay the invoices, the factoring company remits the remaining amount to the business, minus their fees and charges.

Factoring is often used by businesses that need immediate cash flow to cover operating expenses or fund growth. The factor’s fee is typically determined by factors such as the creditworthiness of the business’s customers, the size of the invoices, and the industry in which the business operates.

2. Merchant Cash Advance (MCA):

A Merchant Cash Advance (MCA) is a form of financing where a business receives a lump sum of cash in exchange for a percentage of its daily credit card sales or future receivables. Unlike factoring, which is based on accounts receivable invoices, MCA is primarily tied to a business’s daily credit card transactions or other incoming revenue streams.

Here’s how MCA typically works:

• A business applies for an MCA from a financing company.
• The MCA provider assesses the business’s daily credit card sales or future receivables.
• Based on this assessment, the MCA provider offers the business a lump sum of cash.
• Instead of fixed monthly payments, the MCA provider collects a percentage of the business’s daily credit card sales or receivables, often referred to as the “daily holdback.”
• The MCA provider continues to collect the agreed-upon percentage until the advance, along with fees and charges, is paid off.

MCAs are known for their convenience and quick access to cash but can be expensive due to the high fees and the daily repayment structure. Businesses that have inconsistent cash flow or a significant portion of their revenue coming from credit card sales may consider MCAs when they need short-term financing.

It’s important for businesses to carefully assess the terms, costs, and implications of both factoring and MCA before deciding which financing option is most suitable for their needs, as they can be expensive forms of financing compared to traditional loans.

• This discussion was modified 1 year, 2 months ago by  Gustan Cho. Reason: Wrong url

How does FHA STREAMLINE REFINANCE LOANS WORK?

Want to tell our members about Derrick Grayson and the video message I saw. I could not believe my ears to hear Mr. Derrick Grayson about all the questionable lies and theories from EVIL and politicians. I will not say too much until you all see Derrick Grayson podcast. You will NOT be disappointed.

https://www.youtube.com/live/qFI4qaGSrMo?si=VwWeAomqrIxrhy1t

• This discussion was modified 6 months ago by  Gustan Cho.

The truth is that all of these loans still have the overlays of each lender, and it’s what the lender requires that matters. These SBA, HUD, USDA, and conventional loans are referrals; you only need to know some things. There are so many variations, exceptions, and special underwriting. Most nonrecourse loans still require personal guarantees; it is just that if the loan defaults, they will not come after your personal property unless there is fraud. Those carve-outs usually pertain to fraud. Fannie Mae often approves loans easier than Freddie Mac senior housing, student housing, affordable housing tax credit LIHTC usually has the highest LTVs. Often a non-profit will get 5% to 10% higher LTV. I will partner with these potential borrowers using my non-profit and HUD sponsorship status, taking 25% to 50% of the project.

Small balance loans from $1MM to $7 mm have an 80% LTV for apartments

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

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

Please keep in mind that real estate markets are subject to change over time, and conditions may have evolved since then. It’s advisable to consult more recent sources or a local real estate expert for the most current information. Here are some key points regarding the Vermont housing market up to 2022:

1. Steady Demand: Vermont has experienced a steady demand for housing in recent years, with many people attracted to its natural beauty, quality of life, and recreational opportunities.

2. Limited Inventory: Like many areas across the United States, Vermont faced a shortage of available housing inventory, which can put upward pressure on home prices.

3. Rural and Urban Variations: Vermont’s housing market can vary significantly between urban and rural areas. In urban centers like Burlington, you might find a more competitive and expensive market, while rural areas may have more affordable housing options.

4. Price Appreciation: Prior to 2022, Vermont had seen modest price appreciation in its housing market. The rate of appreciation might vary by region within the state.

5. Interest Rates: Mortgage interest rates had been historically low, making it an attractive time for buyers looking to finance their home purchases.

6. Seasonal Trends: Vermont’s housing market is also influenced by seasonal factors. The real estate market tends to be more active in the spring and summer months, with some fluctuations during the colder winter months.

7. Affordability Challenges: Despite its appeal, Vermont faced challenges related to housing affordability, particularly in popular tourist destinations and resort areas.

8. Rental Market: The rental market in Vermont had seen some changes, with demand for both short-term and long-term rentals. Vacation rentals were particularly popular in areas with high tourism.

To get the most current and detailed information about the Vermont housing market, including trends, pricing, and availability, I recommend consulting local real estate agencies, real estate websites, or recent news articles. Local real estate experts and Realtors can provide you with insights into the current conditions in specific neighborhoods or regions within Vermont.

Mortgage guidelines related to employment and income are essential factors that lenders consider when determining whether to approve a mortgage application. These guidelines help lenders assess the borrower’s ability to repay the loan. Keep in mind that specific requirements may vary by lender and location, but here are some common factors and guidelines related to employment and income for obtaining a mortgage:

1. Stable Employment History:

   • Lenders typically prefer borrowers with a stable employment history. This means having a consistent job or source of income for at least two years. Frequent job changes or employment gaps can raise concerns.

2. Income Verification:

   • Lenders will verify your income through pay stubs, W-2 forms, and tax returns. Self-employed borrowers may need to provide additional documentation, such as profit and loss statements and business tax returns.

3. Minimum Income Requirements:

   • Lenders may have minimum income requirements to ensure that you can comfortably afford the mortgage payments. This requirement is often expressed as a debt-to-income (DTI) ratio, which compares your monthly debt payments to your gross monthly income.

4. Debt-to-Income Ratio (DTI):

   • The maximum allowable DTI ratio typically falls between 43% and 50% but can vary depending on the loan program and lender. A lower DTI ratio indicates that you have more disposable income to cover your mortgage payments.

5. Credit Score:

   • Your credit score is an important factor in mortgage approval. Lenders usually have minimum credit score requirements. A higher credit score can help you qualify for better interest rates and loan terms.

6. Employment Status:

   • Lenders will verify your current employment status. If you’re changing jobs or have recently become self-employed, it can affect your mortgage application. A stable job and income source are generally preferred.

7. Seasonal or Irregular Income:

   • If your income is irregular or seasonal (e.g., freelancers, contractors, commission-based workers), lenders may require a longer history of consistent earnings or additional documentation to determine your average income.

8. Employment and Income Documentation:

   • Be prepared to provide accurate and up-to-date documentation, including pay stubs, bank statements, tax returns, and any other requested financial records.

9. Additional Income Sources:

   • Lenders may consider other sources of income, such as rental income, alimony, child support, or investment income, when calculating your ability to repay the mortgage.

10. Down Payment:

    • Your ability to make a down payment can also affect your eligibility and the terms of your mortgage. Some loans require a minimum down payment percentage.

It’s important to note that mortgage guidelines can vary depending on the type of loan you’re applying for (e.g., conventional, FHA, VA, USDA) and the lender’s specific policies. To improve your chances of mortgage approval, it’s advisable to consult with a mortgage lender or broker early in the home-buying process. They can help you understand the specific requirements and options available to you based on your financial situation and goals.

Qualifying for a land loan can vary depending on the lender and your financial situation. Land loans are typically riskier for lenders than loans for homes with structures, so the requirements can be stricter. Here are some general steps and factors to consider when trying to qualify for a land loan:

1. Check your credit score: A good credit score is crucial when applying for any type of loan. Lenders often require a higher credit score for land loans compared to other types of loans. Aim for a credit score of at least 700 to increase your chances of approval.

2. Save for a down payment: Lenders usually require a larger down payment for land loans compared to home loans. Expect to put down 20% to 50% of the land’s purchase price. A larger down payment can improve your loan terms and make you a more attractive borrower.

3. Research lenders: Different lenders may have different requirements and terms for land loans. It’s essential to shop around and compare offers from various lenders, including banks, credit unions, and online lenders. Look for one that specializes in land loans or has experience in this area.

4. Demonstrate your ability to repay: Lenders will assess your income, employment stability, and debt-to-income ratio (DTI). They want to ensure you have the financial means to make loan payments on top of your existing financial commitments.

5. Prepare a detailed land plan: Having a well-thought-out plan for the land you want to purchase can be beneficial. Include information about the land’s intended use, any improvements you plan to make, and any potential income the land may generate (e.g., farming, leasing). A solid plan can demonstrate your commitment to the investment.

6. Gather documentation: Be prepared to provide documentation such as tax returns, bank statements, pay stubs, and financial statements. Lenders may request this information to assess your financial stability and ability to repay the loan.

7. Show your land’s viability: Lenders may want to ensure that the land you’re buying is suitable for its intended use and that it has adequate access to utilities and services. Providing information about the land’s condition and potential value can help your case.

8. Be prepared for higher interest rates: Land loans typically come with higher interest rates compared to traditional home mortgages. Make sure you can afford the interest payments along with the principal.

9. Consider a co-signer: If you have difficulty meeting the lender’s requirements on your own, you might consider having a co-signer with a strong credit history and financial stability. A co-signer can help you qualify for a loan or secure better terms.

10. Be patient and persistent: Obtaining a land loan can be more challenging than other types of loans, so be prepared for a potentially lengthy process. Be persistent and work with your lender to address any issues or concerns that may arise during the application process.

Remember that each lender has its own criteria, so it’s essential to discuss your specific situation with potential lenders to understand their requirements and expectations. Consulting with a financial advisor or mortgage broker can also be helpful in finding the right lender and navigating the land loan application process.

Here is an informative article on how mortgage lenders price mortgage rates based on credit scores.

https://www.gcamortgage.com/mortgage-rates-versus-credit-scores/

gcamortgage.com

How Lenders Price Mortgage Rates Versus Credit Scores

The way lenders price mortgage rates versus credit scores is the lower the credit scores, the higher the mortgage rates due to risk for the lender

What type of loans can I qualify during and after Chapter 13 Bankruptcy? How long after a Chapter 13 bankruptcy can I get an FHA loan? How long after Chapter 13 can you get a VA loan? Bankruptcy Waiting Periods For VA Loans Vs. Other Mortgages. Bankruptcy Waiting Periods For FHA Loans Vs. Other Mortgages. How long after Chapter 13 can I get a home equity loan? Lenders generally require a waiting period of between one and five years from discharge or dismissal — and up to seven following foreclosure — before they’ll approve you for a home equity loan. This is because they want to be sure you’ve righted your finances and can manage new debt. What is manual underwriting and how does manual underwriting work?

• This discussion was modified 6 months, 3 weeks ago by  Ollie.

Dino Hasapis: Real Estate Broker at Compass and National Business Development Manager at Gustan Cho Associates

Dino Hasapis is a prominent real estate broker affiliated with Compass and holds a significant position at Gustan Cho Associates. Here are the details of his professional roles and contributions:

Dino Hasapis Compass Real Estate Chicago

Position: Real Estate Broker

Responsibilities:

• Specializes in residential real estate.
• Helps clients buy, sell, and invest in properties across Chicago and the surrounding areas.
• Known for providing personalized and strategic real estate services.

Gustan Cho Associates

Position: National Business Development Manager

Responsibilities:

• Manages and expands the Verified Preferred Realtor Partner Network (PRPN).
• Works closely with real estate professionals to enhance business growth and client satisfaction.
• Focuses on developing and maintaining strong industry relationships.

Contact Information of Dino Hasapis

Email: dinohasapis@compass.com

Phone:

• Mobile: 847-687-3056
• Office: 312-319-1168

Online Profiles

• Compass Profile: Dino Hasapis at Compass
• Zillow Profile: Dino Hasapis on Zillow
• LinkedIn: Dino Hasapis on LinkedIn

Key Highlights

• Experience: Over 13 years in the real estate industry.
• Sales Record: Proven track record with hundreds of closed sales and significant total sales value.
• Recognition: Recognized as a top producer by the Chicago Association of Realtors.

Services Offered

• Residential Real Estate: Assists with buying, selling, and investing in residential properties.
• Market Analysis: Provides detailed market analysis to help clients make informed decisions.
• Negotiation: Expert negotiation skills to ensure favorable terms for clients.

Summary of Dino Hasapis

Dino Hasapis is a seasoned real estate professional known for his expertise, strategic approach, and dedication to client success. His dual role at Compass and Gustan Cho Associates positions him as a key figure in the real estate industry, offering comprehensive services to meet diverse client needs. For more information or to contact Dino Hasapis, you can visit his profiles on Compass and LinkedIn.

https://gustancho.com/dino/

Two-to-four unit multi-family homes, often referred to as duplexes, triplexes, or fourplexes, are residential buildings that contain multiple individual housing units within a single structure. Here’s an overview of each type:

1. Duplex: A duplex is a two-unit building, with one unit situated on top of the other or side by side. Each unit typically has its own separate entrance, utilities, and living space. Duplexes are a popular option for homeowners who want to live in one unit and rent out the other to generate rental income.

2. Triplex: A triplex is a three-unit building, often configured with one unit on each floor. Like duplexes, each unit usually has its own amenities and separate entrances. Triplexes can provide more rental income potential than duplexes and are suitable for property investors or homeowners who want to live in one unit while renting out the others.

3. Fourplex: A fourplex is a four-unit building, which can be arranged in various ways, such as two units on the ground floor and two on the upper floor, or as side-by-side units. Fourplexes offer even more rental income potential than duplexes and triplexes, making them attractive for real estate investors.

Investing in two-to-four unit multi-family homes can be a good way to diversify your real estate portfolio and generate rental income. They often have advantages over larger apartment buildings, such as lower management and maintenance costs, and they can provide a stepping stone for real estate investors looking to enter the rental property market. However, they also come with their own set of responsibilities, including property management and tenant relations, so it’s important to consider these factors before purchasing such properties.

A two-to-four unit multi-family home is a type of residential property that typically contains two to four separate dwelling units within a single building. These units are designed to be occupied by different households, making it a form of multi-unit housing. Here are some key characteristics and considerations regarding two-to-four unit multi-family homes:

1. Unit Count: As the name suggests, these properties can have anywhere from two to four individual units, each with its own living space, kitchen, and bathroom facilities. They can vary in terms of layout, with options like duplexes, triplexes, or quadplexes.

2. Ownership: These properties are often owned by a single individual or entity, making them distinct from larger apartment buildings where multiple owners might have stakes in the property.

3. Rental Income: Many owners of two-to-four unit multi-family homes choose to rent out the individual units to tenants. This can provide a steady stream of rental income, which can be attractive for investors.

4. Owner-Occupied: Some owners choose to live in one of the units themselves while renting out the others. This arrangement can help them offset their own housing costs while generating rental income from the other units.

5. Financing: Financing options for two-to-four unit multi-family homes can differ from single-family homes. Some loans, such as FHA loans, are specifically designed for multi-family properties and can offer favorable terms for owner-occupiers.

6. Property Management: Depending on the owner’s preference and the location of the property, property management may be necessary to handle tasks like tenant screening, maintenance, and rent collection.

7. Local Regulations: Zoning and housing regulations can vary by location. It’s essential to understand local laws and regulations, such as those related to zoning, rental licensing, and building codes, when purchasing and managing multi-family properties.

8. Income Potential: The potential for rental income can make two-to-four unit multi-family homes an attractive investment option. However, the income potential will depend on factors such as location, market conditions, and the condition of the property.

9. Maintenance Costs: Owning and maintaining a multi-family property can be more complex and costly than a single-family home due to the additional units and shared spaces. Regular maintenance and upkeep are essential to keep the property in good condition.

10. Property Management: Depending on the number of units and your experience, you may choose to manage the property yourself or hire a property management company to handle day-to-day operations, tenant issues, and maintenance.

Investing in two-to-four unit multi-family homes can be a viable strategy for real estate investors looking to generate rental income and potentially build equity over time. However, it’s crucial to conduct thorough research, consider location-specific factors, and have a clear financial plan before making such an investment. Additionally, consulting with real estate professionals, including real estate agents, property managers, and financial advisors, can be beneficial in making informed decisions.

Here is a comprehensive training program from Private Mortgage Insurance Company:

https://training.enactmi.com/

training.enactmi.com

training.enactmi.com

training.enactmi.com

Here’s how you can remember the number of days in each month:

– January: 31 days

– February: 28 days in a common year and 29 days in a leap year

– March: 31 days

– April: 30 days

– May: 31 days

– June: 30 days

– July: 31 days

– August: 31 days

– September: 30 days

– October: 31 days

– November: 30 days

– December: 31 days

Here’s a traditional rhyme to help remember this:

“Thirty days hath September,

April, June, and November;

All the rest have thirty-one,

Save February, with twenty-eight days clear,

And twenty-nine each leap year.”

Great Content Authority (GCA) FORUMS and SUBFORUMS is becoming increasingly popular and many keywords and long tail keywords is on all of the major search engines. Can you explain the explosive growth of GCA FORUMS in such a short period of time.

Peter Schiff REPORTS on Gold & Silver Sell-Off on Friday due to China stop buying Gold after 18 month buying streak. Government of China buying on Friday alarmed investors. Gold fell $40 per ounce on the initial news of the government not buying Gold. Then later in the day when economic data was released another $30 dollar an ounce dropped to end $70 per ounce for the day. With the economic news of surplus, China will be buying Gold. Non-farm payroll came out better than expected which are not accurate. Weak employment is the fact but government has a track recording of deceiving numbers. The economy is not stable.

https://www.youtube.com/live/dJiWMAJ0m_I?si=ENDLlN0LqtScI08g

What is the role of the Federal Reserve Board? Who controls the Federal Reserve Board? Is the Federal Reserve Board a legitimate organization? Can the Federal Reserve Board print money? Does the Federal Reserve Board gift money to the elites? Why does the Fed Chairman Jerome Powell lie in front of national television about inflation and our bad economy?