Attorney Tom Miller
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He wore a badge, acted like any other officer, and went home like nothing was wrong—but behind that uniform was a secret no one saw coming. When investigators looked deeper, they found something sickening: disturbing files hidden away, and a man who stayed calm as the truth crept closer. In this rare and tense interrogation, it’s not just the suspect who’s nervous—the officers, too. He knows the system, he’s worked it. Now, he’s on the other side of the table, trying to downplay a digital trail too detailed to ignore.
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Mitch Vexler files a criminal complaint with the DOJ, claiming that homes are falsely appraised to create higher tax revenue for the school districts. What this could mean for homeowners and real estate investors
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#nevada #housingcrash #realestate2025
According to Zillow Q2 2025 and Redfin market reports, Nevada is facing one of its steepest housing declines in decades, and some cities are feeling it more than others.
In this video, we reveal the 10 Nevada cities seeing the fastest home price drops and the real reasons behind them. From casino closures in Laughlin to HOA crackdowns in Las Vegas, you’ll see the data, the local stories, and the red flags every buyer should know before making a move.
Whether you’re a homebuyer, investor, or just tracking the housing market, this is your guide to understanding what’s happening without the hype.
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Chicago is staring down a massive $1.1 billion budget gap for 2026, with financial pressures mounting after a controversial pension bill added over $11 billion to the city’s long-term liability. Mayor Brandon Johnson now faces intense scrutiny from business leaders, residents, and political opponents as concerns grow over public safety, economic decline, and population loss.
The Chicagoland Chamber of Commerce warns that the city’s current fiscal strategy could stifle business growth and drive employers away. Rising property taxes, increasing crime rates, and an exodus of residents — particularly in Chicago’s Black community — are painting a grim picture for the Windy City’s future.
Mayor Johnson’s proposed plan aims to eliminate debt and increase investments in public services without raising property taxes. But can Chick go balance the budget while tackling crime, boosting economic growth, and keeping residents from leaving?
We break down the full story — the politics, the numbers, and what it means for Chicago’s future.
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I have a stocked pond, but during harsh, long winters, many fish die in the spring. Does anyone know how to protect fish from dying? I like to know how to kill all the Snapper Turtles 🐢 in my pond. What can I do with the green algae that are coating my pond? Thank you.
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I have heard of PELOTON exercise equipment, but never seen it or known anyone who has it. However, I ran into this 23-page manual about PELOTON exercise equipment and programs. Seems informative.
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I have tomatoes, runner beans, cucumbers, and courgettes all starting off in pots. I am currently digging the outside over and in the poly tunnel for planting out. There is still rainbow chard growing from last summer, making it one of my favourite things. My landscaper does it for us. How can you start your own garden? Step by step.
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Absolutely! The following are some ineligible business purposes for funding an SBA loan.
1. **Refinancing Existing Debt**
Using these funds to settle existing loans or debts is not permissible.
2. **Purchasing Real Estate for Investment Purposes**
Reimbursing the purchase of real estate that is not used to conduct business operations is not allowed.
3. **Gambling Activities**
No funding for gambling operations or any other related activities is eligible
4. **Political Activities**
Funding of any political campaign, lobbying, or any political activities is prohibited.
5. **Illegal Activities**
Business activities that are illegal by federal laws, state laws or local laws are ineligible.
6. **Speculative Businesses or Investments**
Funding of speculative stock or commodity trading is prohibited.
7. **Paying Dividends**
Paying dividends to the share holders is not an acceptable use of the funds.
8. **Non-Operational Expenses**
Personal expenses or unrelated costs are not reimbursable.
For a smoother process when applying for SBA financing, understanding these ineligible uses is critical. From the start, ensure that the intended purpose of spending the funds conforms to the SBA regulations so as not to complicate the request approval process. If you have additional questions or need me to clarify anything, let me know.
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The process of guaranteeing loans through the Small Business Administration (SBA) is crafted to help small businesses receive much-needed assistance while minimizing the lender’s risk. This is an overview of the entire step-by-step process:
1. Getting Familiar with SBA Loan Programs
7(a) Loan Program: The most popular SBA loan is used for numerous things like working capital, real estate, and equipment purchase.
504 Loan Program: Exclusively designated for acquiring immovable property or sizeable equipment.
Microloan Program: Designed to help startups, these loans are smaller in value.
2. Being an Eligible Candidate
Business size: Needs to be within a certain limit as defined by the SBA, which is generally based on revenue or the number of employees.
Business Type: Other business types, like religious organizations and nonprofits, are excluded from qualifying.
Creditworthiness: Business owners require a decent credit score and a well-structured business plan.
Use of the Funds: The funds provided must be spent elsewhere, such as on equipment, inventory, and eligible business expenses, and not paid out as business loans.
3. Locating an SBA Lender
Some lenders do not offer SBA loans; finding one is critical. Once they are verified as approved to process these loans, a search can be done using the SBA webpage to locate the lenders.
4. Steps to Apply
Gather Documentation: Bank- and IRS-approved financial statements, business outline, and many other documents must be combined.
8 Steps in an SBA Loan Application: Steps 5, 6, 7 (Submission Steps 1-4)
* Submit Loan Application. Please fill out the lender’s application form and submit it alongside supporting documentation.
5. Lender Review
* Your application will be reviewed based on the lender’s credit policy and the SBA’s eligibility criteria. During this review, the lender may request further information as well.
6. SBA Guarantee
* After the lender approves your application, you can submit it to the SBA for a guarantee. The SBA guarantees a portion of the loan. For instance, they will guarantee up to 85% of the loan for loans lower than $150,000 and 75% for loans higher than that threshold.
This guarantee makes it easier for lenders to approve a loan since the repayment risk is lower.
7. Loan Approval and Closing
* Once the SBA approves the guarantee, you receive the funds, which can only be utilized for the reasons mentioned in the application.
8. Repayment
* The lender outlines the repayment structure, and borrowers are bound to follow it. Defaulting on payments can have devastating financial repercussions.
9. Loosely defined as ‘discretionary’ spending, post-loan covers: business, fintech, AI, and marketing. Borrowers receive step coupon discounts towards the repayment amount of the loan. Overseen by the SBA, these funds are to be used to support financial aid and business support.
With the guarantee of an SBA loan, small businesses can get the necessary capital while reducing the risk for lenders. Knowing the steps of this process and preparing for every part can significantly increase your likelihood of receiving an SBA-backed loan. If you have any additional questions or would like me to expand on certain topics, don’t hesitate to ask!