Attorney Tom Miller
AttorneyForum Replies Created
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Why do Democrats want illegal immigrants and provide them with jobs, Healthcare, education, and the right to vote?
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Federal agents have launched Operation Midway Blitz — a major law-enforcement surge across Chicago aimed at stopping violent attacks, vehicle-ramming incidents, and threats against federal officers. This multi-agency operation brings together DHS, ICE, CBP, FBI, and ATF units working in joint task forces around the Brighton Park and Broadview areas. Agents are targeting suspects linked to assaults on federal property, online leaking, and organized anti-federal activity.
https://youtu.be/l0IzuT5CgFc?si=-uZpDBQFILKt4o9N
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This reply was modified 6 months, 4 weeks ago by
Sapna Sharma.
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This reply was modified 6 months, 4 weeks ago by
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On August 22, 2016, the Hapeville Police Department received a chilling 911 call. A social worker had discovered a horrific crime scene at a local garbage site. When the police arrived, they quickly realized the crime had been committed by a professional. Little did they know, this professional would turn out to be one of their own.
Elm Street in Hapeville, Georgia, is a remote, isolated road to nowhere. At the end of the street sits a wooded lot where many locals dump their garbage and lawn clippings. But on August 22, 2024, this unsuspecting public works employee found the shock of his life.
When Sergeant James Carroll arrived, what sat before him in the grass, thrown aside like a piece of trash, was the charred body of a young woman. When he leaned close to inspect her body, he could still see the last flickers of a flame burning out on the end of her fingertip.
She had been shot four times, burned with gasoline, and dumped out with the local trash. Because of the charred state of her remains, the only evidence that was left on the scene was a single 40-caliber winchester casing. Only one casing for the four shots that marred her body, including two shots in her head, one in her ear, and a final defensive wound on her forearm–from where she held her arm up over her face to protect herself.
Tragically, police had no insight into who this poor woman was or how she ended up on this dead-end street. Whoever had murdered her took her identification and phone. The only thing officers had to identify her with was a small heart-shaped tattoo, what remained of the clothing she was wearing… and a locket with a photo of the victim’s child. They knew there had to be family missing her, and soon, they discovered who.
Two days after the body was found, a woman called Atlanta Police Department to report her daughter, Vernicia Woodard missing. She hadn’t heard from her since Friday – the same day that the body was found.
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Cuyahoga Falls, Ohio — An officer was patrolling when they noticed a vehicle run two red lights while traveling at a high rate of speed. A traffic stop was conducted and one of the men admitted to be carrying a firearm on their person. They eventually identified themself as “armed private security” who were responding to a call for an “officer” in “distress”.
Officers saw “Peace Officer” badges as well as handcuffs. One of the guns was returned as stolen from Birmingham, Alabama. *Officers contemplated charging them with impersonation however never did so.* Further investigation also found that they were using red and white lights while they were responding to the “call”.
The driver, later identified as Shawn Whitacre, was indicted with the following:
Receiving stolen property
The passenger, later identified as Dwayne Jordan, was indicted with the following:
Improper handling of firearms in a motor vehicle
The passenger was determined to not be apart of the security company. They have plead not guilty.
Please note: the title of this video should not be taken as fact, is is my interpretation and opinion of the incident. If you think they weren’t acting like cops, let me know in the comments. However, based upon my own opinion I believe they were acting like cops (due to the “peace officer” badge, red/white lights, and them stating that they were responding to a call).
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Orange County, Florida – Sheriff’s deputies deal with yet another police impersonator, this time in the form of an ICE Agent trying to arrest people at an apartment complex. This is one of the more bizarre police impersonator encounters we’ve seen.
The content shown on this channel is meant to provide insight into the daily interactions law enforcement have with the public, both good and bad. All suspects are considered innocent until proven guilty.
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Attorney General Pam Bondi was caught off guard Thursday when President Donald Trump’s handpicked US attorney, Lindsey Halligan, secured New York Attorney General Letitia James’ indictment from a grand jury, two sources familiar with what happened told CNN. CNN’s Kristen Holmes reports.
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Influential Breaking News Report: October 9, 2025
One of the Federal Reserve’s most prominent actions in an effort to calm a sensitive housing market is simultaneously easing the penalty of increasing mortgage rates by halting interest rate increases during this volatile period. This move will, at least, relieve some pain for homebuyers and homeowners with mortgages. This move likely embraces the distaste lawmakers and economists alike have expressed regarding the Fed’s failure to stem the agony of rising mortgage rates.
Recent history exhibits the perpetually climbing rates of mortgage spending. This concerns lawmakers, economists, and homebuyers. The current rate for a fixed thirty-year mortgage is a 30-year fixed mortgage, and, as a rule of thumb, it is more difficult for buyers to obtain a market home. The expectation is that at least the smallest adjustment to the Federal Reserve will diminish homebuyers’ anxiety. Enough of the burden will be lifted to decrease the mortgage rate. The Fed’s decision is bound to ease some of this anxiety and pressure.
The Immigration and Customs Enforcement Agency (ICE) has been under fire for its growing activities in the so-called blue areas. Reports suggest that there has been a spike in arrests and deportations carried out by ICE in metropolitan areas. This has led to lawsuits and protests by immigrant advocacy organizations and local governments, claiming that these activities are community-invasive and trust-breaking with local law enforcement.
ICE friction with local law enforcement is boiling in several cities, with some urban mayors and state governors publicly critiquing what they view as “engineered and boneheaded” law enforcement. This also seems to be the case with some federal lawmakers who are demanding a congressional investigation into area-specific ICE operations.
Gold and Silver Surge Business News Update: Alameda’s Financial Editor, Recent Issue Uploaded, 05/24/16
Something fun to track over time is how precious metals are treated in the market. For example, gold last week raised a flag of its own, and the spot price for an ounce of gold was hovering around the four thousand and thirty dollars region. The craze is due to gold’s new streak of seemingly unending potential. People in the investment world were buying gold like there was a never-ending supply. What could help that theory is that some are saying there’s a war between interests in the upper echelons of the world, and a demand for the precious metals market supernova.
There was continuing interest in stocks and the buying frenzy, with the market dipping heavily last week. Monday observed the bulk and tally of week-ending in crossing over the new gold price. The selling off of government bonds is followed by the weakening of the dollar, which causes an unstable outlook, which also has to do with other financial elements returning to the shift of world money.
All in all, the country’s top news continues to be the attempts to tame the housing market, the ICE and blue city standoffs, and the soaring precious metal prices, all within the context of a tumultuous but sturdy stock market.
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Thank you for sharing this information. I had no idea that NEXA loan officers could obtain free CE courses through Lenders One. Also, I appreciate you notifying me of the broken link and your effort to obtain an updated link. I will log into the LOLA portal and review the Continuing Education section to obtain those free courses. Did you have difficulties incorporating them into your basket, or was it problem-free? Also, I would appreciate any suggestions regarding which of the national courses I ought to take. Thank you once more for sharing this.
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Updated Vehicle Value Estimate
Using the new details you shared, your 2019 Ford Expedition Max began life as a base XLT or a comparable trim with no high-end options and was then decked out with $25,000 worth of OEM aftermarket upgrades. Those enhancements mimic the full Platinum package and add a few personal touches. Highlights include heated and cooled leather seats, 22-inch OEM wheels with matching all-terrain tires, a remote-start system, a 12-inch touchscreen stereo that bundles GPS and surround sensors, a dash cam, premium tinted windows, rust treatment, and a high-gloss ceramic clear coat. Though these features bring Platinum-level luxury, the 3-inch lift is an aftermarket tweak. The extra height could attract off-road buyers, yet the lift and tires may slightly deter standard family shoppers. So, plan on a small, risk-adjusted decrease in its future resale value.
Pricing a Vehicle: How Much is My Car Worth
Pricing a vehicle isn’t a precise process. Aftermarket upgrades usually don’t get back what you spent—most recover only 20–50%, depending on how good the parts are, how sought-after they are, and how nicely they fit in. Mods from the manufacturer, like your seats, wheels, and infotainment, can raise the value by making the truck feel classier and rarer. On the other hand, more extreme changes—such as the larger lift—cut the pool of interested buyers and usually don’t alter the value seen by lenders or standard valuation tools. Here’s a revised ballpark using these points:
Baseline Value for a Stock Model
A 2019 Ford Expedition Max Platinum with around 61,000 miles, rated good to excellent in standard condition:
- Dealer trade-in: $23,000–$28,000.
- Private sale: $25,000–$32,000.
- Retail on showroom floor: $28,000–$35,000
These estimates come from cross-referencing data at Kelley Blue Book, Edmunds, CARFAX, and J.D. Power. Most comparables with similar miles trend toward the $25,000–$30,000 range, while the top end—low miles, flawless condition—can hit $35,000 or more.
Tailor-Made Assessment:
Provided a pro and the ride install your mods is indeed showroom-perfect (you’re saying it’s cleaner than a Platinum and rock-solid), we can nudge the valuation up, maybe even matching a stock Platinum. Expected bump from all those upgrades is around $5,000 to $10,000, which means you’d recoup 20 to 40 percent of the $25,000 you spent, zeroing in on hot items like the seating package, custom wheels, and tech add-ons. The lift kit could borrow a few bucks—$1,000 to $2,000 to a hardcore buyer, or it might knock $500 to $1,000 off the wider market where lifts occasionally confuse couch commuters.
- Trade-in ballpark: $25,000 to $30,000.
- Private sale range: $28,000 to $35,000.
- Retail asking: $30,000 to $38,000, assuming the appraiser eyes it like a one-off Platinum.
For sharper numbers, here’s the game plan:
- Hit up KBB or Edmunds, grab the Platinum template in their appraisals, and drop in the plastic-garnished lift, wheels, seats, and all your bells in the customizer.
- Book a pro appraisal from a trusted dealer or pop into a CarMax.
- They’ll score it custom.
- Make sure you have the $25,000 parts tickets to back the bump.
- Scan your neighborhood with Autotrader or Cars.com.
- The key in upgraded Expeditions will show what’s moving in your ZIP code right now.
Refinancing a $30,000 Loan on Your Modified Vehicle
A refinance still makes sense if private-sales estimates put the car’s refreshed value between $28,000 and $35,000. An appraisal backing the $35,000 mark will help strengthen the case. Unlike a standard base model loan, your car may be only slightly underwater thanks to the aftermarket upgrades, with a loan-to-value (LTV) around 94% if the top estimate holds. Most lenders will refinance vehicles with an LTV under 125%, so your chances have improved.
The following points will help refine your application and position:
- Showcasing Upgrades to Lenders: Most banks and captive finance arms, like Ford Credit, lean on Guide Book values like NADA or Kelly Blue Book.
- An appraisal from a third-party sourcing the modifications will help bridge the valuation gap.
- List changes that improve safety, like a reputable lift kit, and mention OEM components whenever possible to counter the perception that the modifications may void the warranty or increase liability.
Meeting the Lenders’ Requirements
- Credit and Income: If your score is 670 or higher, lenders generally offer loans with an APR between 5% and 7%.
- Keep your debt-to-income ratio under 40% to accept better terms.
- Sometimes, a score improvement may also lift the offer.
- Age and Mileage: At 6 years and 61,000 miles, the car comfortably qualifies for most refinancing programs, which usually limit age to 10 years and mileage to 150,000.
These make the car eligible for the wider lender inventory.
- Dealing with Negative Equity: If an appraisal values your vehicle at $28,000 while you owe $30,000, you’ll have around $2,000 in negative equity.
- Some lenders, like LightStream and PenFed, let you wrap that deficit into the new loan.
- It does raise the loan and the monthly payment, though, so weigh the jump carefully.
Possible Lenders
- Ford Credit or Dealer: Since your vehicle has factory upgrades, the brand may be easier on modification values.
Visit a local Ford dealer—they can appraise the lot and may have refinancing programs.
- Banks and Credit Unions: Large institutions like Bank of America, Navy Federal, and neighborhood credit unions frequently offer adaptable financing on modified cars if you hand them the right paperwork.
- Online Options: LightStream offers an unsecured loan for just about any vehicle and is known to consider custom appraisals.
- Auto Approve focuses strictly on refinancing and could accept your car’s adjusted value if you prove the upgrades.
Refinancing Pros and Cons
- Pros: You could snag a lower interest rate, usually between 6 and 8 percent for used cars, stretch the loan for smaller monthly payments, or pocket cash if the vehicle has some equity (less likely now).
- Cons: Origination or appraisal fees can run between $200 and $500, mods could drive a higher rate, and a longer loan term might pile on more interest overall.
- Quick Check: Plug the numbers into a loan calculator:
- With a new $30,000 loan at 6 percent interest over five years, you’re looking at about $580 monthly.
- Compare that to your current payment and see where you stand.
Simple Steps to Get the Best Loan on Your Boat
Collect Important Documents
- Round up receipts for the $25,000 upgrades, regular maintenance records, and recent photos.
- These will back up the claim that your boat is in “Platinum-plus” condition.
Get Preapproved Rates
- Approach 3 to 5 lenders for preapproval.
- This way, you can compare rates without hurting your credit—it’s a soft inquiry.
Value-Focused Options
If a lender denies based on the boat’s value, consider two options: paying the loan balance to around $28,000 or trading the boat for a lower-priced alternative.
Please share a few details: your credit score, current rates, and loan term, or where you live. That way, I can offer more tailored advice.
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This reply was modified 8 months, 1 week ago by
Gustan Cho.