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What should I look for when shopping for a website development, seo, and maintenance company. I am looking for a all-in-one one-stop website development company to start a website, get CRM, create and launch social media platforms, and have the web development and maintenance company maintain and go full power with SEO. I like to get a high domain rating website with high daily unique visitors with my ultimate goal is converting the organic traffic to leads, and the leads to deals.

Aside from finding a good pizzeria when you relocate, there are more important things to search out. Bank, church, post office, and lawn service are just a few. I have been fortunate to be 70 years old and have a full head of hair, but for some reason it continues to grow. I never went for hair stylists; I prefer the old-time barbers. My father always took me to a barber as a kid. Searching for a barber is not that easy; it is a forgotten art.

Twenty years ago, before moving to Florida, I went back home to New York City. My barber was a guy named Isaac, a Russian Jew. He set up shop on 7th Avenue in the Chelsea section of Manhattan. He was the first barber to cut my hair in NYC. He was so good that one day, while getting a shave, I glanced over at the next customer, and it was Anderson Cooper. Isaac was the barber for the Manhattan elite. I was lucky.

What are the chances of finding a barber of that quality in Ocala, Florida? Luck struck twice, for low and behold, right next to #1 Pizza was a barber, King Cutz. I decided to try my luck after having a slice, with a guy named O’Nell. As I entered the shop, it was crowded. It was the Friday before school started in Florida. August 12 was, I thought, early; it seems school starts earlier each year. When I was in grade school, we started after Labor Day. Why would you have children start school in early August in Florida? It is so hot! The air conditioners have to work harder to keep class rooms cooler. Anyway, a dozen kids were ahead of me, all Spanish and black; razor cuts are a big style for kids, not me, who likes scissors. I didn’t feel out of place, but I was concerned about being older and liking traditional hair cuts.

O’Nell had been a teacher in a hair salon in Puerto Rico. He spent 30 minutes on a six-year-old’s hair. He meticulously clipped each and every hair on this buzz cut, and I was impressed. I was next; he cut my hair, trimmed my beard, and not a hair was out of place. In the morning, I had no cow lick, which usually occurs after my hair is cut. I found my barber and my pizza!

Most New Yorkers agree that the best Chinese food is in Chinatown in lower Manhattan. I could never remember the names of the restaurants; I went by numbers: 17 Pell Street, 37 Mott Street. In the same strip mall, there was a Chinese restaurant! I have not tried it as yet; there is too much pizza to digest. What are the odds of it being as good as a New York restaurant?

My saga continues for new places in Ocala, especially to eat.

Can you tell me what is a HARP mortgage loan? How Did HARP LOAN WORK? HARP Replacement Program. Is the government HARP Mortgage Program Real? Is the HARP Mortgage Loan Still Available?

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?

Ever considered becoming your own boss by opening your own company. Turn key full service business, commercial, and residential funding business. We will train you about how to open your own commercial loan brokerage business after you go through our training program. Unlimited opportunity. Contact Danny Vesokie at Affiliated Financial Partners at 916-402-2506. Text Danny Vesokie for a Faster Response. Affiliated Financial Partners is a preferred commercial loan officer school of Lending Network and Gustan Cho Associates. Affiliated Financial Partners LLC-Wholly Owned Subsidiary of Danny Vesokie Institute of Finance, headquartered in Sacramento, California.

• This discussion was modified 1 year, 7 months ago by  Danny Vesokie | Affiliated Financial Partners.

Stayed tuned, people. We create, design, and develop a one-stop lending shop mortgage loan officer website. This one-in-all marketing-support-operations-business-development mega website is for select loan officers who want to be in the top 20% of the nation and belong to a team of winners. Many talented goal-oriented folks want to become top-producing loan officers but do not have the guidance, training, tools, and direction to lead them there. After a decade of research and development, making thousands of fixes, and making thousands of hours of mistakes, my team and I have mastered a mega one-stop lending shop. Training a loan officer is one of the most difficult tasks there is. There is no sure proof training program in the market place. The best way to learn to become a successful loan officer is by getting trained by a mentor. Training a loan officer is like training an attorney. Say a young lawyer graduates from an IVY LEAGUE LAW SCHOOL like Harvard, Yale, Princeton, or Stanford Law School. The young, newly law school graduate masters the Bar Exam and is now licensed to practice. What NOW? How is he or she going to represent clients in court, let along simple parking tickets or simply real estate closings? Same with loan officers. You will be clueless and lost. So the best way to train a young recruit loan officer is to take a few steps backward to go forwards. A newly licensed loan officer should not even do a single loan until they have processed three to six loans themselves under the supervision of a loan processor. The loan officer will never become a master mortgage processor and I do not recommend they be one if they want to originate loans, but loan officers will be working very closely with mortgage processors on every single loan. To this day, most loan officers are clueless on how mortgage processing works and often bitch and degrade mortgage processors if shit does not go your way. Master processing, at least how it work, before you proceed to originating. In the system we will have on http://www.viralwebsitedevelopers.com, we will have a detailed training section on processing and how mortgage processing works. Once you have the basics on how mortgage processing works, the next step is to learn origination. So one of the frequently asked questions is do I need to memorize all the mortgage guidelines before proceeding. The answer is NO. There is no way you will learn and know all of the FHA, VA, USDA, FANNIE, FREDDIE, and NON-QM mortgage guidelines. Learning the guidelines is not enough. Every lender has their own lender overlays. Lender overlays are additional mortgage guidelines above and beyond the minimum guidelines of HUD, VA, USDA, FANNIE MAE, and FREDDIE MAC. However, every loan officer should know the basic agency guidelines on government and conventional loans. Everything you need to know, you can find it on http://www.gustancho.com. AGAIN, loan officers should get familiar with the basic guideline but no need to memorize it. You will go back to it often. Again, all the guidelines will be on the master website from Viral Website Developers. Remember, our mission at Viral Website Developers is to create a one-stop mortgage lending online shop with your very one virtual digital media website. So, the next step for brand new loan officers are loan officers transferring to Gustan Cho Associates on a branch level or an independent loan officer sponsored by a member of the Gustan Cho Associates family is getting leads. Again, your newly assigned one-stop shop lending virtual mega loan origination website will have an organic lead generation system which will grow and add more value as it seasons with age and content. I will continue this part at the next time I am able to continue.

• This discussion was modified 2 years, 8 months ago by  Sapna Sharma.
• This discussion was modified 2 years, 8 months ago by  Gustan Cho. Reason: Updates

Being a New Yorker by birth and having lived there for nearly 35 years, my love for pizza has followed me to the West Coast and the Gulf Coast. I would always seek out pizza. I have, in the past, encountered many pizzerias calling themselves New York Pizza, Best New York Pizza, or New York Style Pizza. I would always avoid them like the plague, knowing they were the furthest thing from the original. I had a television show in Lake Tahoe called “Simply Food and Wine.” I would approach the owners of restaurants and ask if I could do a twenty-minute short on their restaurant. I would feature a signature dish and pair it with wine. There was a “New York Pizza” at the Lake. The owner called me several times for a twenty-minute short; he thought that with my New York accent, it would help sell more pizza. Bear in mind that I made money on each restaurant. I finally broke down and stopped by for a slice; it looked like a New York pizza and tasted like cardboard. I refused to sign him.

One should never believe New York Pizza; however, my wife and I recently moved to Ocala, Florida. Our house is a bit off the main road; we are rural with a twenty-minute ride to civilization, if a Dollar General is civilization. Low and behold, a little strip mall nearest our house featured a #1 New York Pizza. I thought, here we go again and I had to try some since the kitchen wasn’t quite set up for cooking. I have traveled to Italy many times and was spoiled by the pizza; it was amazing. New York had John’s, Pizza, and Lombardi’s, the first pizzeria in America, along with Ray’s, Famous Ray’s, and Original Ray’s. There were pizza wars in New York during the 1980s.

Suddenly, I stumbled on a gem of a pizzeria. During our first week in our new house I ordered pizza three times, and stopped in twice, they also featured Sicilian Pizza a square deep dish pizza. The owner, Orlando, lived in Queens and was New York-trained. The Best, Number One , New York Style Pizza I found right outside my front door, go figure?

What is the difference between a hard pull and soft pull during the mortgage loan process. I heard the hard credit pull drops the credit scores of the mortgage loan borrower. So if the borrower keeps shopping for mortgage rates with different lenders, the borrowers credit scores can plummet?

California homeless problems is getting out of control that it’s attracting global attention. California Politicians have long ignored the serious homeless problems. Many outsiders consider California’s homeless crisis as inhumane and borderline criminal on Politicians especially the Governor of California. Central and Southern California have mild weather where homelessness is a year around crisis. California homeless people have no access to shelter, water, fresh clothing, healthcare, and poor sanitation. Homelessness takes 25 years from a person’s life. Governor Gavin Newsom visited homeless areas in San Francisco and said that the area looks like a third would country. Why is Gavin Newsom all of a sudden showing concern after decades of homelessness throughout the state of California? You got it. The 2024 Election and making California loo better.

https://youtu.be/nSuAoGAX7_E?si=8xu4PoqjrGIeJY48

It’s about time to expose human traffickers and pedophiles at all levels. The mainstream media, politicians, Hollywood Elites, far left liberals, and Globalists cannot cover it up anymore. Pedophilia is becoming an epidemic on a global scale and if the good guys continue to be quiet and not speak up, they are no different than the evil worshippers of Satan. Hollywood Superstar Mel Gibson is speaking out about Oprah Winfrey who has a history of harvesting trafficking of children and Pedophilia. Watch this YouTube video clip about Mel Gibson speaking out on Oprah Winfrey. Just unfreaking believable.

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HOLLYWOOD IS DONE!! OPRAH IS PISSED!! Mel Gibson Exposes Oprah's SECRETS That Nobody Knew About | HOLLYWOOD IS DONE!! OPRAH IS PISSED!! Mel Gibson Exposes Oprah's SECRETS That Nobody Knew About | By Grav3yardgirl fansFacebook

HOLLYWOOD IS DONE!! OPRAH IS PISSED!! Mel Gibson Exposes Oprah's SECRETS That Nobody Knew About

What type of down payment assistance mortgage programs are available for first-time homebuyers in Illinois with 600 credit scores.

What are credit inquiries and how does it work? Are credit inquiries bad for your credit profile? Why do lenders frown on credit inquiries? Can you get credit inquiries removed from your credit report? How long do credit inquiries stay on your credit report.

So if you want to buy a house in Florida, you better research additional costs aside from mortgages, insurance, and taxes. The HOA, the dreaded Home Owners Association, or modern-day Nazis. When we researched homes in Florida, we soon realized the HOA was a big expense., sometimes $350 per month, which can cost more each year. You have no control over this. Okay, they give you a pool and some lawn service. Our last HOA had $375,000 in their account. Where does that money go? When we asked about fixing the sidewalks, their response was that this was the city’s concern. When we got in touch with the city, they said it was the HOA’s responsibility. The oak trees had grown over twenty years, displacing the sidewalks with huge root growth and cracking the sidewalks. It is very scary when you walk the neighborhood.

They drive past your house and take pictures; you never see them; they are as stealthy as the CIA. I heard that for each fine they write, they get $5.00. Here is a case in point. They took a picture of our gutter at noon, which created a shadow. They sent a notice that the paint had faded; when we checked later in the afternoon, there was no shadow, and the paint seemed fine. We received another picture taken at noon, and they demanded that we repaint. This went on for some months, and finally they conceded—the assholes that they are!

Our neighborhood was overrun with vehicles, sometimes four or five cars in driveways and parked on the street, often making it hard to pull in or out of our driveway. They said they have no control over who parks where. When we realized there was a meth lab across the street with 15 people living there, the HOA had no control. Good thing the police did, and they were evicted a year late. One of the meth guys started staring me down one day, thinking I had ratted him out. I stared back. I take no shit from people. He walked across the street toward me, and I simply told him, I am old, I can’t run, and I don’t dial 911. Life in prison would be a short time for me if you fucked with me or my family. He decided to go back across the street; he didn’t plan on meeting Tony Soprano, robe, and .38. The same house was rented to a chain of car thieves. Two stolen cars were found in their driveway. The HOA has no control over who rents what. Again, the police did, and I have them on speed dial.

Do yourself a favor and avoid HOA, or Horrible Owner Assholes.

There is a condominium crisis forecase in the state of Florida. The term “condo crisis” refers to various potential issues such as maintenance problems, structural issues, financial difficulties, or even environmental concerns. Florida has faced challenges in the past related to condominiums, including issues with building maintenance, insurance costs, and natural disasters such as hurricanes. The state’s vulnerability to climate change and rising sea levels also poses risks to coastal properties, including condominiums. To get the most accurate forecast regarding the condominium market in Florida and any potential crises, you would need to consult real estate experts, industry reports, and local government agencies for the latest information and projections. Additionally, staying updated on news related to the real estate market and potential regulatory changes could provide insights into any emerging issues or crises.

https://www.youtube.com/watch?v=LDV4eFw4tmY

What are lender overlays by mortgage companies. What is the differences between a conventional loan and government-backed mortgage loans. What does it mean if a mortgage loan is backed by the government. Are conventional loans backed by the government? What are common lender overlays on FHA, VA, USDA, and Conventional loans.

How do you figure out what debt to pay off first. Home prices are at historic highs and many homeowners have the opportunity to do a cash-out refinance from the equity in their homes. However, there are instances where the proceeds from the cash-out refinance will not be enough to pay all outstanding debts of the borrower. So, if that is the case, what debt should you always pay off first. What are the three biggest strategies for paying down debt. Should I pay the debt with the highest monthly payment first?

What does COs mean in mortgage terms. How is the process of COs.

Were you aware that for a mere $100,000, artificial intelligence can create a virus that can kill millions of people? According to Jason Matheny, the president of Rand Corporation, a think tank that studies security issues, This article appeared in the New York Times. In response, it would cost billions of dollars to create a vaccine or antiviral.

Some years ago, a team created a distant cousin of small pox for $100,000. AI can be less expensive to refine, making chemical warfare cheap and effective. Russia has already launched chemical warfare on Ukraine, and the Chinese government has raised the possibility and targeted particular races. All this stuff is pretty scary. The big threat comes from China’s biowarfare. Robots are programmed to be killers—maybe not pillage and rape. AI robots would be less prone to massacres and tortures.

Technology has the ability to suppress this situation. A random study proved that young people who gave up smart phones enjoyed the simple things in life. All high-tech companies have the ability to weed through all the child porn; they can use immunities to stop these types of robotic AI postings.

If we don’t try to control AI, it will be the greatest challenge for our grandchildren since Prometheus defied the gods and gave fire to humanity in the form of technology to enhance civilization.

WHAT IS SETTLEMENT AND CLOSING? HOW DOES SETTLEMENT AND CLOSING WORK IN THE MORTGAGE PROCESS. WHAT DOES SETTLEMENT MEAN FOR A HOUSE? WHAT IS SETTLEMENT IN MORTGAGE. WHAT IS A SETTLEMENT MORTGAGE. WHAT DOES SETTLEMENT FEE MEAN IN MORTGAGE. WHAT IS THE DIFFERENCE BETWEEN SETTLEMENT AND A CLOSING.

• This discussion was modified 1 year, 7 months ago by  Gustan Cho.

Am I potentially able to obtain a mortgage at this time? Or do I need to wait 2 years from the date of discharge of my Chapter 13?

My credit score is low and a lot of credit cards are pending. Should I refinance my home to consolidate the debts?

I am doing a loan modification and the lender says that my ex wife has to sign the documents too. Even though her name has never been on the mortgage, she is only on the deed. Why does she have to sign the loan modification?

Are non-qm loans hard money loans?

The Softening of America

Euphemism is a mild or indirect word or expression substituted for one considered to be something unpleasant or embarrassing. I thought I would use the dictionary for the meaning before the AI responses. When did America get so soft on words? We have the first amendment, so what’s the issue? We can say anything short of “fire” in a crowded theater. We drink, we curse at sporting events—what happened?

It started slowly generations ago; that’s when our language became more passive and non-offending, which is a big deal today. You don’t say, “partly cloudy,” anymore; it’s partly “party sunny.” When did toilet paper become bathroom tissue, right before sneakers became running shoes?

We have created the language to be more pleasant to the ear by substituting a harsh word for a nice one. Some euphemisms actually try to explain the phrase while saying the same thing. The CIA, as we all know, kills people, neutralizes them, or depopulates them.

It’s time to pre-board the plane; if I’m pre-boarding, I am actually boarding the plane. Constapation is bowel irregularity, and the dump is a landfill.

World War I, shell shock, World II, battle fatigue, Korean War, Operation Exhaustion

Vietnam War, Post-Tramatic Stress Syndrome, or PTSD. Over the last one hundred and twenty years, euphemisms have been used to ease the pain of war. To explain to the public in nice, easy words. Shell Shock is so accurate and appropriately named. Americans were up in arms to help the returning soldiers after World War I when hearing what the boys went through.

If returning Vietnam veterans had had shell shock, they would have received better treatment for the disease and a lot more awareness.

Special thanks to George Carlin

Sapna, Ravinder, Vanessa is a member of our forum. She is a lawyer and runs a law firm. Google will not allow to run Google Ads because her Google account is not verified. Can you please explain what she needs to do to get her Google My Business page verified so she can run Google Ads. Vanessa and her husband Nick are very close friends of Alex Carlucci.

What is the purpose of a short sale of a home? What does it mean by a short-sale in real estate? Can you give a case scenario of a short-sale in real estate? Do real estate agents get paid on a short-sale? Can you go over several case scenarios of the short-sale real estate process? Can a person qualify for a new mortgage after they had a short-sale on a home? What do homebuyers need to know about short-sales? Risks and rewards of buying a short-sale home. Is short-sale bad for the homebuyer? Is it a good idea to buy a short sale house? What is the difference between a short-sale versus a foreclosure? What are the eligibility requirements on getting for a mortgage loan after a short-sale and foreclosure? What are the different loan programs I can qualify for and get pre-approved after a short-sale and foreclosure?

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?

We decided to get a Doberman Pincher, we already have a twelve year old Labrador . Years ago we had a Husky and thought he needed a younger brother, so we adopted the Lab. They got along perfectly, so perfectly in fact the Lab mimicked the Husky. The Husky had a habit of removing a couple of pieces of dog food from the bowl, walk three feet and spill the food. Eating slowly while savoring every tid bit. The plan was to pass these habits and others on to the Doberman. Boy was that wishful thinking.

The five month old puppy insists on playing with the old lab, who has no interest at all! The plan was to introduce the puppy to the old man in the old man’s house. We recently purchased a new house and wanted the puppy to get used to the old man’s home. Maybe thinking the puppy wouldn’t be as dominant. That didn’t work. The old Lab can’t even crap in peace, the Dobie has to be up his ass, quite literally! What did work was the puppy had his on mind, we knew what we getting into, a stubborn breed of dog, but a five month old, forty five pound puppy had other ideas. He bites everything, not serious a nibble here a nibble there. He bites shoes, even when you are wearing them.

The fact about Dobermans is that they follow everyone in the family and cling to one person, i am the one he picked, lucky me. He is able to sleep by my side of the bed which is sweet, until you need a bathroom run, he must lead the way into the bathroom. While waiting for me nothing is sacred, he must inspect everything dozen of times. He sleeps seventeen hours a day, the other seven can be hell. He pretends he doesn’t know his name, but he will automatically sit for a treat. The pet store sells this spray to deter dogs from biting, he loves it!

There is no book, “Doberman’s for Dummies,” but there is a training book, “101 for Dobermans.” We hope the book will give us some insight, or at least train us.

I better sign off now, I hear him stirring and must baby proof the house once agin. Oh, well we wanted a Doberman.

What does it mean by REOs?