[Tom Miller]

As we approach the end of 2023, let’s examine the major changes that have taken place in America over the past year.

Inflation

The report indicates that the inflation rate has remained at roughly 3.6%. Factors such as inflation have put a cap on the country’s economic buoyancy, which brings us to our next point which is:

GYM POLICIES

After careful consideration in the past few months, the Federal Reserve decided to keep the federal funds rate between 5.25 and 5.50%. This will impact the ease of borrowing and willingness to spend.

MOVING ONTO AMERICA’S POLITICAL EFFICACY

Moving Forward:

The poll results indicate that the major party candidates are neck and neck in the 2024 elections. The leading issues in this regard are Climate change, healthcare, and the economy.

ELECTION POLLS

Major issues such as healthcare and education reform will take shape during the new term. This again supports my previous argument that Congress has a lot on its plate in January.

SOCIETAL DILEMMASHEALTH SERVICES REFORM

As the prices of medical care and other essential healthcare services tend to increase, advocates for the abovementioned services are demanding enhanced accessibility to inexpensive options, thereby reinforcing the reform debates.

Gun Control

After several high-profile events, there has once again been an increase in calls for tighter regulations, which further promotes the gun control discussion.

Weather and Natural Events

As winter approaches, the Midwest has started to issue storm and severe weather alerts, with travel conditions deemed dangerous and heavy snowfalls expected. Severe Weather Watch: Fed assistance is finding ways to mitigate the damages caused in California by wildfires and help restore the affected areas.

Cultural and Entertainment Highlights

Charity-based events, such as concerts and parades, have enabled communities nationwide to commemorate the holiday season in style. Football and basketball seasons are also still running, and record viewership is seen during the holiday season.

Technology and Creativity

The healthcare and finance sectors are witnessing rapid progression with the help of recently introduced AI technologies, which have worked well in many other sectors, particularly finances. Such changes are cause for concern and can frame the current political tensions while being economically feasible in setting a social dialogue for 2025.

[Tom Miller]

Please provide me with a detailed, comprehensive report on flood insurance and its process for determining who needs it.

[Tom Miller]

President Joe Biden’s and Vice President Kamala Harris’s terms are drawing to a close, but both have suffered considerable drops in approval ratings, which raises doubts about their political futures.

Public Affection

President Biden has been embroiled in age-related controversies, which are further exacerbated by the critiques who have pointed out instances where he appeared to have cognitive impairment. Such claims, however, have not been corroborated by any medical diagnosis or processes.

Vice President Kamala Harris

Approval Ratings:

Yesterday, the President’s Approval Ratings graph took a nosedive when a prediction of the approval graph for December 2024 was made. It predicted an approval rate of 34%, down from 38% back in October. The disparagement rate simultaneously skyrocketed to a staggering 66%.

Kamala Harris

Competency Concerns:

Critics have been dismissive of Kamala Harris’s capabilities of becoming the next president due to her alleged lack of leadership qualities and experience. An event with Teamsters President Sean O’Brien comes to mind, in which she is reported to have said, “I’ll win this no matter if I have you or I don’t,” which appeared politically rude and overdressed for a leader.

Political Influence:

Given their lowered approval ratings, Kamala Harris and Joe Biden would have issues maintaining relevancy in the Democratic Party. Such falling approval ratings would negatively impact their political clout and presence.

Restoring Public Trust

Both figures will need to work on their public relations. Explaining oneself to people and willingly addressing any issues could go a long way in restoring them.

Mr. Biden and Ms. Harris have witnessed much criticism and a drop in their approval ratings. In what they consider important political roles in the future, they will be influenced positively or negatively by certain political factors of the moment as well as factors that will transpire in the particular political arena.

[Tom Miller]

President Joe Biden and Vice President Kamala Harris are coming toward the end of their administration, which has experienced many challenges. Joe Biden is going down in history as the worst President, even worse than Jimmy Carter. Kamala Harris continues to be the most incompetent vice president in the history of the United States. Here’s how their administration is viewed by the people and the impact they placed on the country:

Biden-Harris Administration Flip-Flops

Legislative Disasters:

This administration was able to pass important bills, including the infrastructure law, inflation reduction act, and CHIPS act, along with the signed ones I’ve previously mentioned. Still, they all backfired, causing historic inflation, skyrocketing rates, and high unemployment. These laws were meant to improve infrastructure, consider economic issues, and promote new technological growth but it backfired on them.

Climate Control:

In fact, President Biden has taken a moral obligation and put in a lot of effort when constructing measures to preserve the environment and target climate change. Yet again, whatever Joe Biden did not work and caused more public scrutiny.

Geopolitics:

The administration was able to assist in consolidating Western partners during the international crises, specifically the invasion of Ukraine, and exhibited leadership in foreign affairs, but it failed whatever it started.

Challenges

Economy:

The administration was not able to receive praise for overcoming inflation and accomplishing the cost of living as it faced a ginormous amount of criticism regarding legislation, which in turn lowered its approval ratings.

Social Views:

The economy promotes social limitations that place limitations within human beings’ mental and physical capacity, and by December 2024, this had led to a lowering of Biden’s approval rating to an abysmal 34%.

Vote of Decision:

Vice President Kamala Harris went through fluctuating favorability ratings, with multiple polls suggesting she has one of the worst net approval ratings for a vice president in history. Kamala Harris has been proven to be a liar and developed a reputation for flip-flopping on what she stands for.

Historical Information

Presidential Term:

Despite Biden’s ability to push numerous critical initiatives through Congress, analysis indicates that people will likely consider his term a mixed bag because of economic hurdles and his fast-declining approval rating.

Impact Of Vice Presidents

Vice President Harris has gained notoriety as the first woman, African American, and Asian American in office, which is best known for her term. However, there has been a dichotomy regarding Harris and her image in the eyes of the public; I regard her effectiveness and performance. However, she is not black but claims to be part black. Her father is white. Again, another of Kamala Harris’s lies. Harris has ruined her political career due to her constant lies after lies.

The Biden-Harris administration has made some impressive strides. On the other hand, infrastructure and climate policies were passed. They still have economic issues and plummeting approval ratings to deal with. Generally speaking, it’s on a country-by-country basis. Nevertheless, it’s hard to deny that their overall assessment of economic policies will most likely change with time.

[Tom Miller]

Electric vehicles (EVs) have been hailed as the future of transportation. And rightly so. We’ve seen a gradual increase in consumer interest in the EV space, and many cars, like the Tesla Model S or the Praveg, have made headlines. But is buying an EV worth it? Purchasing an electric vehicle can be incredibly beneficial depending on your driving habits, budget, and planning priorities.

Let’s consider a look at these driving assumptions and find out if an EV works for you:

Financial Considerations

Electric cars are known to have hefty sticker prices, so what are the factors that might work in your favor?

Reduced Fuel Costs:

Electricity is generally less expensive than gasoline. In the long run, the fuel cost for an EV, whether charged using a home outlet or at a public station, will always be incredibly cost-effective.

Future Maintenance:

Oil changes and repair cycles typically tend to be expensive due to the number of moving parts that need to be maintained. However, unlike conventional vehicles, EVs have much fewer parts, significantly lowering repair and maintenance costs in the long run.

Resale Value:

We’ve seen a gradual increase in interest in EVs, especially with the rise of Tesla. Thanks to its innovative technology, EVs hold great promise in the future. Although many car manufacturers had shied away from making EVs due to the lack of demand, things are changing now.

Environmental Impact

Less Tolling of the Environment:

If you’re environmentally conscious, EVs are definitely worth considering. Unlike traditional gasoline-powered vehicles, they don’t emit any harmful pollutants or gases.

The energy source is a crucial element:

The positive environmental impacts can be lost depending on the energy source used in your area—renewable energy or fossil fuels.

Driving Habits Daily Commute Range Consideration:

For long-distance travel, EVs usually have a range of between 150 and 400 miles after a single charge. In some circumstances, you may consider a hybrid or a vehicle with a greater range. Access to home charging or a dependable network of public chargers is key to benefiting from EV ownership.

City Driving versus Road Trips City Driving:

EVs are more beneficial for city drivers, whereas regenerative braking and distance amortization are other factors.

Road Trips:

Certain distances will require stops en route to charge vehicles, likely increasing the trip’s time.

Long-Term Saving Fuel Saving:

You stand to save hundreds or possibly more in fuel charge throughout the vehicle’s lifespan.

Lower Maintenance:

Less component stress means less time out with a mechanic.

Recent Developments Battery Span

These days, an EV battery can go anywhere between 8 and 15 years in service without excessive degradation. Regular Software Updates:

Several EVs, including Tesla’s, frequently have software updates due to their computerized functions, which are over-the-air.

Industry Shifts (Market Trends)

The Changing Dynamics of the EV Market:

The transition to EVs is speeding up. Car manufacturers are switching to electric vehicles, and the government plans to ban internal combustion engines.

Infrastructure Improvements:

Charging networks are increasing, making it easier to be an EV owner.

Lifestyle Compatibility

Home Charging Setup:

Owning a house with a garage or parking space that can be easily accessed is the most suitable option.

Local Incentives:

Consider the availability of free charging points, reduced toll fees, and priority parking for electric vehicles in the region.

Is It Worth Buying?

Yes, it is worth buying an electric car provided that:

You qualify for various incentives, and your electricity bill is very low.

• You enjoy cheaper operating and maintenance costs.
• You care for the environment.
• No, it may not be worth buying, considering that:
• You travel for long hours in locations that have fewer charging stations.
• The purchase cost is beyond your financial capabilities, and you cannot obtain incentives.

Ultimately, the choice is made according to one’s finances, driving patterns, and personal beliefs.

[Tom Miller]

Allegations of treason against the Colorado Supremo Court Judge Monica Marguez are untrue and fictitious in nature. The allegations put forth are as a result of unnecessary satire from the satirical stories websites. The claims are false in nature and have been verified by the Colorado Judicial Department as well as Judge Monica who claimed she has not been arrested.

The false news arose after the trumping news reporters claimed that Denver magistrates claimed Former President Trump out of the voter ball in great colarado and donalds term 3 section thereof of The Amendment. Justice Márquez was among the justices in the session who voted in favor of this. The further claims of her arrest are gossip and it is disputed by reliable sources.

As this case is against Justice Márquez is able to get credible assistance for the opposite facts reality, I consider it my duty to emphasize the need to ascertain credible sources for any information before assuming allegations to be the truth.

[Tom Miller]

These are the latest updates regarding mortgage rates and the real estate market as of November 17, 2024.

Mortgage Rates

Current Averages:

• Over the last week, the average mortgage rate for a fixed 30-year mortgage has dropped slightly to 6.79%.
• The average mortgage rate for a fixed 15-year mortgage also dropped to roughly 6.11%.

State Variations:

• Some states, such as New York, California, Florida, and Washington, have low 30-year rates, with an average between 6.65% and 6.75%.
• Alaska, Rhode Island, and West Virginia have higher rates than the average.

Federal Reserve Influence:

• After the federal funds cut interest rates, there were hopes that the cut would also lower mortgage rates.
• However, that has not been the case thus far.
• The experts suggest that further reductions may lower the rates, but not immediately, and Mortgage Rates have been stable regardless.

Real Estate Market Trends

Homebuilder Sentiment:

• The optimism among homebuilders witnessed notable growth, reaching its peak in April 2022.
• This growth was primarily due to the hope of more relaxed regulatory barriers and a much more amicable market for the year 2025

Vacation Home Markets:

• According to the data, Cape May County, New Jersey, has become the main U.S. location for luxury vacation homes in 2024 due to its large share of second homes and metropolitan regions.

House Price Forecasts:

• Medium house prices are predicted to rise by $47,700 in 2025 compared to other states, with South Australia leading the growth of house prices on the Australian scale.

Market Activity

Existing Home Sales:

• There has been major growth in existing home sales, the highest spike in almost three years. This suggests that the housing market is resilient even with the current woes.

Commercial Real Estate:

• The real estate market in Germany predicts that the volume of property transactions in 2024 will amount to $35 billion, and in 2025, it will reach $40-42 billion.
• This is still close to the lowest in the last decade and is attributed to the economic slump and high inflation.

Consumer Considerations

Refinancing Rates:

• Today, international mortgage market mavericks suggest that the average 30-year fixed refinance rate has increased to 7.30 percent.
• Slightly convince the homeowners to prioritize refinancing over any other tradable activity; careful consideration is advised.

Market Timing:

• Prospective buyers and sellers should consider changes in stamp duty and other thresholds or falling mortgage rates when making the transaction Plans for 2025.

Though mortgage and real estate industries are under pressure due to high interest rates and economic uncertainties, other bright and resilient signs exist. Market participants expect better times than now in the next year.

[Tom Miller]

US housing market predictions remain abysmal. Excessively high mortgage rates coupled with lavish home prices result in elevated rates of bankruptcy and foreclosures. As we delve deeper into this forecast, we will also try to understand the policies that the Trump Administration plans to implement to help navigate us through these problems.

2025 Housing Market Forecast

Mortgage Rates:

• According to NAR, mortgage rates are expected to fall to six percent and with falling rates.
• Pre-owned homes and new constructions will likely be in great demand.

Inventory Levels:

• There are strong indications that the housing inventory will likely increase by approximately eleven percent.
• This would allow buyers with greater options.
• However, it is also expected that the levels will likely remain below what they were before the pandemic.

Foreclosures and Bankruptcies

The picture painted by the current state of the economy goes on to suggest that housing markets in 2025 will likely see a spike in foreclosures due to high construction costs, which will result in further bankruptcies.

Comparison to the 2008 Financial Crisis

There is no denying that increasing economic instability in the US coupled with a spike in foreclosure rates is worrisome. However, the present housing market seems to contrast starkly with the one during the financial crisis 2008. Owing to strict lending standards and high homeowner equity in the market, we are shielded from a downturn, but prudent behavior is required to mitigate potential risks.

Proposed Housing Policies in the Kingdom of Trump

Now, onto the Trump administration’s proposals to conciliate the problems related to the housing market:

Cut back on Regulations

Plans include deregulating home-building companies, which could reduce the cost of construction and increase the supply of homes.

Federal Lands Use

Proposals to freely use federal land to build homes would increase the supply of homes, especially in areas with deficits.

Dealing with High Prices

The crisis in high prices will be resolved because the administration will ensure that the social and other costs of new construction are lowered, federal spending aimed at procuring cheap homes for the population is raised, and speculation that raises prices is suppressed.

Infrastructure and Spatial Development

It is proposed that new transport systems be located and that living costs, including housing expenditures, be reduced by constructing “Freedom Cities” on unused federal land.

In 2025, the housing market is expected to benefit from a mild increase in house prices and a decline in the mortgage interest rate, but the increase will be close to negligible. The investments hypothesized during Trump’s presidency focused mostly on making housing more affordable and providing a larger supply, which inevitably solved at least some of the complications faced by home buyers and renters alike. As such, the value of such actions remains tied to implementation and an overloaded economy.

[Tom Miller]

Reviewing my brief, I want to clarify a few points.

Gaetz and the Ethics Committee:

Matt’s hiring ethics have been called into question by the House Ethics Committee, which claims he has also availed the services of women on the side, including with a 17-year-old girl. It is claimed that Gaetz spent “over $90,000” on numerous women while combining sex and drugs between 2017 and 2020. However, Gaetz has denied any misconduct and claims these are baseless allegations designed to destroy his reputation.

Kamala Harr’s Recent Events:

Since the last presidential elections, Kamala Harris has been outspoken in public affairs. Recently, the Vice President gave a speech at Prince George’s Community College in Maryland, urging young voters to continuously show interest in the public arena, no matter the outcome of the elections. Apart from this, Harris has been attending other public events and discussions, making it clear that she has not gone into hiding after the elections.

Obama’s Recent Comments:

Former President Obama recently revealed his favorite movies, books, and songs from January to November in his ‘Best of 2024’ lists before the New Year.

His favorite films include some award-winning films, including “Conclave,” nominated for six Golden Globe awards. Other films include “Anora,” “A Complete Unknown,” “All We Imagine as Light,” “Dune: Part Two,” and “The Seed of the Sacred Fig.” Authors such as Sally Rooney and Jonathan Haidt are some of the writers Obama recommends in his books. In terms of music, his favorite songs include Beyoncé, Billie Eilish, and Kendrick Lamar.

Worries of the Democrats Related to the Coming Government

The Democrats seem worried about the actions that the coming government will take. A few Democrats have even implored President Biden to act to shield the executive from what President Trump would attempt to do after being elected. There are also reports suggesting that there have been talks concerning the granting of pardons ahead of time to people who would be targeted to pursue under the new administration. However, the party has not reached a consensus over it.

The Allegations Against Liz Cheney and Nancy Pelosi

The allegations against Nancy Pelosi, Former Representative Liz Cheney’s, include witness tampering stemming from the work she undertook regarding the January 6th committee. The House Administration’s Subcommittee report on Oversight suggests that Cheney had been involved in clandestine talks with a witness, which could affect the testimony.

The FBI is expected to investigate witness tampering in this context, as requested by the subcommittee. Currently, no one is pointing fingers at Nancy Pelosi.

Please let me know if you have any further questions or need details on the above.