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Why do so many healthy young people with no health issues die after getting the coronavirus vaccine? There are so many reports of young healthy people with no prior health issues and in great shape drop dead after taking the COVID-19 vaccination. The media, politicians, and globalists are keeping hush and not reporting the fact that the coronavirus vaccine is a bio-weapon engineered to depopulate the world. Many globalists such as Bill Gates, Joe Biden, Barack Obama, the Rothchild Family, George Soros and his followers, and tens of thousands of Democrats believe the world need depopulation and believe in euthanizing older people. The coronavirus is not a deadly disease. The coronavirus is a man made virus and created and launched by Dr. Anthony Fauci.

https://www.youtube.com/watch?v=-Ea3UwYZnrA

Here’s videos of Chase. Chase was born January 25 2023 and has turned one year old. Very loveable, kind hearted, but everything is a game for him. I am going to start training Chase to become a well behaved German Shepherd puppy.

• This discussion was modified 11 months, 3 weeks ago by  Harlan.
• This discussion was modified 2 weeks, 6 days ago by  Sapna Sharma.

Ship runs into bridge in Baltimore Maryland where there were cars driving on the bridge. No doubt tgere were fatalities. If you look at the bridge carefully, you can see there were bombs planted throughout the length of the bridge. Many investigators think the Bide Administration had something to do with the Baltimore Maryland bridge collapse. The democrats are losing it folks. They know they are pretty much fucjed.

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FJB!!!

Subscribe to il Presidento's rumble channel here: https://rumble.com/c/ilDonaldoTrumpo Join our Amazing Patrioto Familia at http://www.ildonaldo.com

Aldiva, Inc. is the preferred credit repair service and business development referral services partner for Gustan Cho Associates and it’s subsidiaries. GCA MORTGAGE Group endorses and refers all of our clients in need of credit repair and consultation services to Aldiva, Inc. due to their customer service business platform. Headed by owner and President Ali , Aldiva, Inc. is different from all other credit repair companies because she takes each individual client and analyze their credit report on each individual credit tradelines and evaluates on how to get it removed or sees if the creditor violated the fair reporting credit act. Ali has third party litigation attorneys in her network who acts on behalf of the consumer on a contingency basis. Besides credit restoration services Ali helps small businesses get LLCs, Corporations, and business credit. Aldiva, Inc. can prepare CPA letters for mortgage lenders for self-employeed borrowers. Aldiva, Inc. also does personal and business income taxes as well as ITIN for undocumented people so they are able to APPLY for a mortgage. Here is Aldiva, Inc. website

https://www.formmybusiness.com/

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Aldiva Inc. - Business Formation

Welcome to Aldiva Inc. where protecting your business is essential by forming a separate legal entity. Let us guide you through the process of forming a corporate entity.

Federal Reserve Board Chairman Jerome Powell gets grilled by Louisiana Senator John Kennedy and seems like his asshole is puckering. Jerome Powell gets owned and called out by the Louisiana U.S. Senator and becomes speechless sometimes during the grilling session. Incompetence and lying is not being condoned by Senator Kennedy. Jerome Powell is the main reason for the destruction of the U.S. economy.

https://www.youtube.com/watch?v=RpQSv7cvqRY

Experian Boost is a service offered by Experian, one of the major credit reporting agencies in the United States. It allows consumers to add certain types of recurring payments to their credit report to potentially boost their credit score. Here’s how it works:

1. Sign Up: Users sign up for Experian Boost through the Experian website or mobile app.

2. Link Accounts: Users link their bank accounts or credit card accounts to Experian Boost. Experian will then analyze their transaction history to identify eligible payments.

3. Identify Eligible Payments: Experian Boost looks for payments like utility bills, phone bills, and streaming service subscriptions that are typically not reported to credit bureaus.

4. User Confirmation: Users review the list of eligible payments and confirm which ones they want to add to their credit report.

5. Update Credit Report: Experian updates the user’s credit report to include the newly added payments. This can potentially improve their credit score by demonstrating a history of on-time payments for additional bills.

6. Credit Score Impact: The impact on a user’s credit score varies depending on their individual credit history and the number and types of payments added. For some users, Experian Boost can result in a modest increase in their credit score.

It’s important to note that Experian Boost only affects the user’s Experian credit report and score. Other credit bureaus, such as Equifax and TransUnion, do not currently support this service. Additionally, not all lenders may consider the boosted credit score when making lending decisions, so users should be aware of this limitation.

Can I buy a house during Chapter 13 Bankruptcy repayment plan?

Here is an oldie by John Mellencamp I need a lover

https://youtu.be/KhP-cp4p41A?si=-XEt1HeVV9ph_IFK

For $100,000 this Lamborghini Murcielago is a bargain

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Super Fast Lambo! | Corey stands firm on his offer for a 2003 Lamborghini Murcielago! | By The Best of Pawn Stars | Facebook

Corey stands firm on his offer for a 2003 Lamborghini Murcielago!

Kevin O’Leary one of the host of the Shark Tank blasted the liberal judge that found former President Donald Trump guilty of fraud and fined the former President $350 million dollars because of ruining future real estate developers and real estate investors from investing in New York

https://youtu.be/8pkHpU86Src?si=4wb8iKXz6BXyeoFw

Florida is a very popular destination for homebuyers to make it their forever home. Buying a house in Florida involves several steps, similar to purchasing property in other parts of the United States. Here’s a general overview:

Determine Your Budget: Before you start looking at houses, figure out how much you can afford. Consider factors like your income, savings, credit score, and any pre-existing debt.

Get Pre-approved for a Mortgage: Getting pre-approved for a mortgage can give you a better idea of how much you can borrow and help you narrow down your search to homes within your budget.

Find a Real Estate Agent: While it’s possible to buy a house without an agent, having one can make the process smoother, especially if you’re unfamiliar with the area. A real estate agent can help you find properties that meet your criteria, negotiate offers, and handle paperwork.

Start House Hunting: Begin your search for properties in the areas of Florida where you want to live. Consider factors like location, neighborhood amenities, school districts, and proximity to your workplace.

Make an Offer: Once you find a house you like, work with your real estate agent to make an offer. Your offer should take into account factors like the property’s condition, market value, and any contingencies you want to include (such as a home inspection).

Negotiate and Finalize the Contract: Negotiate with the seller until you reach an agreement on price and other terms. Once both parties have agreed to the terms, you’ll sign a purchase agreement or contract.

Complete Due Diligence: During the due diligence period, you’ll have the opportunity to inspect the property, review disclosures, and ensure everything is in order before closing.

Secure Financing: Finalize your mortgage financing by providing any additional documentation requested by your lender. Your lender will also arrange for a home appraisal to determine the property’s value.

Closing: On the closing day, you’ll sign all the necessary paperwork to transfer ownership of the property to you. You’ll also pay closing costs, which typically include fees for loan processing, title insurance, and other services.

Take Possession: After closing, you’ll receive the keys to your new home and officially take possession.

Negatives of buying a home in Florida is homeowners insurance. Homeowners insurance have skyrocketed recently due to hurricanes and many insurance carriers leaving the state.

Remember that each home purchase is unique, and there may be additional steps or considerations depending on your specific circumstances and the property you’re buying. It’s essential to work closely with your real estate agent and other professionals involved in the process to ensure a successful transaction.

The German Shepherd Dog, often referred to simply as the German Shepherd or GSD, is a popular and versatile breed known for its intelligence, loyalty, and versatility. Here’s some information about the German Shepherd:

Origin of the German Shepherd: The breed originated in Germany in the late 19th century, developed primarily by Max von Stephanitz, who aimed to create the ideal working dog.

Appearance: German Shepherds are medium to large-sized dogs with a strong, muscular build. They have a distinctive double coat, which is usually tan and black, or red and black, although other color variations exist.

Temperament: They are known for their intelligence, loyalty, and courage. They are often used as working dogs in roles such as police, military, search and rescue, and as service dogs for people with disabilities.

Training: German Shepherds are highly trainable and eager to please, which makes them excellent candidates for obedience training and various dog sports. They thrive on mental and physical stimulation.

Health: Like all breeds, German Shepherds are prone to certain health issues, including hip dysplasia, elbow dysplasia, and degenerative myelopathy. Responsible breeding and regular veterinary care can help mitigate these risks.

Exercise: They are an active breed and require regular exercise to stay mentally and physically healthy. Long walks, hikes, and play sessions are important for their well-being.

Socialization: Proper socialization from a young age is crucial for German Shepherds to ensure they grow up to be well-adjusted and confident around people and other animals.

Popularity: German Shepherds are consistently ranked among the most popular dog breeds worldwide due to their versatility, intelligence, and loyalty.

Overall, German Shepherds make excellent companions for active individuals and families who can provide them with the mental and physical stimulation they need. However, potential owners should be prepared for the commitment of time, training, and exercise required to raise a happy and healthy German Shepherd.

https://www.youtube.com/watch?v=2MqvumRb0nc

• This discussion was modified 11 months, 2 weeks ago by  Gustan Cho.

Here’s another oldie from the 1980s that most folks my age will enjoy listening to

https://youtu.be/tR-qQcNT_fY?si=HI1i3COGBE654qvx

James O’Keefe O’Keefe Media Group goes undercover with IRS agent and was told IRS has no issues going after the small guy.

https://youtu.be/pA5MxSLQoEY?si=L3zj5dr8yoI15zMS

Arrogant incompetent Pennsylvania Congressman should be disbarred and tried for Treason, Obstruction of Justice, and just being Butterfield ass ugly.

https://youtu.be/qM8QDAkDzSM?si=xkZdfGqAQR3F-o_O

Home prices in Florida are 35% over valued which is making real estate investors in a frantic panic on an investment property sell off. Real estate inventory levels are exploding. Prior to the coronavirus pandemic, home prices in Florida was undervalued. Now, it is the pandemic correction market and are overvalued significantly. There are reports that real estate investors in Florida are growing increasingly concerned about the rising inventory levels and cooling housing market conditions in the state. Here are some key points about the situation:

1. Inventory surge: After years of extremely tight housing inventory, the number of homes listed for sale in Florida has surged significantly in recent months. This is being driven by sellers looking to cash out amid high prices and buyers pulling back due to elevated mortgage rates.
2. Investor pullback: Many real estate investors, including those who bought properties to flip or use as short-term rentals, are reconsidering their strategies. The fear is that they may not be able to sell or rent out properties as easily or at the prices they had anticipated.
3. Price cuts: To attract buyers in the shifting market, some investors are already slashing asking prices on their listings, leading to concerns about potential losses on their investments.
4. Increased holding costs: With higher mortgage rates and economic uncertainty, the carrying costs of holding onto investment properties have risen, putting pressure on investors’ cash flows.
5. Airbnb impact: The short-term rental market in tourist hotspots like Florida has also cooled, making it harder for investors to rely on platforms like Airbnb for steady income streams.
6. Oversupply fears: There are worries that if too many investor-owned properties flood the market simultaneously, it could lead to an oversupply situation and further drive down prices in some areas.

While it’s still early to determine the full extent of the impact, the rapid changes in Florida’s housing landscape have caught many real estate investors off guard. Some may be forced to recalibrate their investment strategies or exit the market entirely to cut their losses.

https://www.youtube.com/watch?v=5mUS43VYNrc

What are the solutions for borrowers who have a high debt-to-income ratios? Credit scores are over 700 FICO, stable job and income, and on time payment history. Have extra income but cannot be used for mortgage loan qualification purposes because there is no two year seasoning.

Here’s a video music of John Denver Country Roads Take Me Home

https://youtu.be/HQicl2mOPpI?si=vE1HQszCmuiEGfDK

I being 120 days on a mortgage loan the same as a foreclosure. I have someone who was late 150 days on a mortgage and cannot get a mortgage loan approved because lenders are saying a 120 mortgage late is no different than a foreclosure.

Alex Carlucci prides himself of being the Navy Seal of the Mortgage Industry. Granted Alex Carlucci has done near miracles in his tenure at GCA Mortgage Group throughout the years. I listened to this inspirational speech of Admiral William McRavens 2014 Commencement speech. Admiral William McRaven has been a real Navy Seal for 36 years. While listening to Admiral William McRaven, it seemed to me what’s going on here. I thought Our imitation Navy Seal Alex Carlucci was talking about FHA loans. What do you folks think. See the video

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Admiral William McRaven's 2014 #CommencementSpeech, “#Change The #World” at University of Texas, Austin. He shares practical #lessons from his time in the #SEAL teams. Worth listening to 😃 | Admiral William McRaven's 2014 #CommencementSpeech, “#Change The #World” at University of Texas, Austin. He shares practical #lessons from his time in... | By Dr. Evans Duah | Facebook

Admiral William McRaven's 2014 #CommencementSpeech, “#Change The #World” at University of Texas, Austin. He shares practical #lessons from his time in...

What is the end of the world theory and the depopulation theory? Why does Bill Gates, Barack Obama, The Rothchild Family, George Soros, and the world’s globalists believe in euthanizing people older than 70 years old and depopulation?

Joe Rogan has an interview with a guest speaker who is discussing the end of the world

https://youtu.be/vPKM5eV_nqk?si=sUA72oVfs3c6u6vB

Loss Ratios: The carrier needed to be adjusted to inflation, causing a larger claim payout and underpriced policies at the time of the claim.

Claims: Every time you interact with your insurance company, whether a tow or a not-at-fault accident, it puts you at risk of an increase.

Tickets: Most tickets, if not all tickets, affect your insurance premium moving forward. The only two that do not appear on a motor vehicle report (or MVR)are red lights and parking tickets. Excessive speeding and moving violations can seriously affect your rate.

Credit: The higher your credit score, the better you look to an insurance carrier. Now more than ever, it is imperative to have an excellent credit score.

Insurance Score: Separate from a credit score, this tracks your length of history with a carrier, length of continuous insurance, and claims tracking. This also is an accumulation of coverage you have selected for your home and auto insurance. Having state minimum coverage at 25/50/20 keeps your rates more variable and subject to change in a negative manner in the future.

These are just a few reasons your premiums may increase over the years. If you want to know more, I am happy to talk with you as your trusted insurance partner!

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Coverage is always a misconception about how it is calculated, and this may help if you have ever been in a battle with your agent.

Example:
Your home is listed or has a Zestimate for 300k, but the replacement cost of your home insurance policy is 415k.

Client A: My home is worth much LESS than that on Zillow.

Your home is listed for 600k, and your home insurance policy has a replacement cost 415k.

Client B: My home is worth much MORE than that on Zillow.

The land that your home sits on and the location of the house plays a huge role in determining the price. Think about acres of farmland with a considerable sized home or living in Downtown Chicago and the price difference per square foot of the owned space. These are both extremes, but they help show how a home can have a different replacement cost versus what it might sell for.

Fun Fact: The replacement cost of your home sometimes varies from the amount it can sell for. We fill out the Replacement Cost Estimator or RCE on the agent’s end. These are all the facts and features of your home, such as square footage, number of stories, garage, finished basement, and bathrooms. I have not listed everything that goes into an RCE, but within the RCE, there is also build quality, so if you use wood floor versus laminate, your home might take more money to rebuild

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I was told that non-qm lenders require a certain number of credit tradelines that has been seasoned for 12 to 24 months. Can someone tell me the number of seasoned credit tradelines required on non-QM loans. Does authorized user credit cards count? Does non-traditional credit count as a credit tradeline?

What do they mean by being a high-cost mortgage loan? How would you answer this question on high-cost mortgage loans?

Robert took out a high-cost loan in Utah for $250,000 at 90% LTV at a rate of 11% and kept the loan for two years. Robert is now paying off the current loan amount of $247,617. What is the maximum prepayment penalty that can be charged under the Utah High-Cost Loan Rule? Calculate using simple interest.

Here is the answer to the above question:

Six months of interest at 80% of original value $250,000/90% (0.90)=$277,777 value x 80%= $222,222×11%(0.11)=$24,444/12×6 months= $12,222.

• This discussion was modified 10 months, 2 weeks ago by  Susan.

The primary difference between long-haired and short-haired German Shepherds lies in their coat length and texture:

Coat Length: Short-haired German Shepherds have a dense, double-layered coat with a close-lying outer coat and a soft undercoat.

Long-haired German Shepherds have a longer outer coat, which can be straight or slightly wavy, with a dense undercoat as well.

Appearance:

Short-haired German Shepherds have a sleeker appearance with a well-defined body outline due to the close-lying coat.

Long-haired German Shepherds tend to have a more elegant appearance due to the longer coat, which may give them a softer, more flowing look.

Maintenance:

Short-haired German Shepherds generally require less grooming compared to their long-haired counterparts. They typically need regular brushing to control shedding.

Long-haired German Shepherds require more frequent grooming to prevent matting and tangling of their longer coats. They may need more extensive brushing and occasional trimming.

Suitability:

Short-haired German Shepherds are often preferred for working roles such as police or military work, as their shorter coat can be more practical and easier to maintain in certain environments.

Long-haired German Shepherds are sometimes preferred as family pets due to their softer appearance and potentially gentler temperament. They may also be favored in colder climates due to the extra insulation provided by their longer coat.

Genetics:

Both long-haired and short-haired German Shepherds can occur in the same litter. The long-haired trait is a recessive gene, so both parents must carry the gene for their offspring to have long hair. Consequently, long-haired German Shepherds are less common but not rare.

In terms of temperament and behavior, there isn’t a significant difference between long-haired and short-haired German Shepherds. Both types are known for their intelligence, loyalty, and versatility in various roles such as companions, working dogs, and service animals. I like long haired German Shepherd dogs and would always want to raise the long hair German Shepherd with black and red with a black mask.

https://www.youtube.com/watch?v=pC__JuDNK1I

I am planning on visiting Seoul South Korea. Do not have any family, relatives, or close friends. Any suggestions?

Here is Chase first day of official training with Mark Chen. I need to work with Chase all week unit our next session with Mark Chen next Sunday at 1 pm. Also on the videos is Mark’s Dutch Shepherd Ellis. Chase learned to sit, down, stay, and jump on a bunker. Need lots of practice daily. Need to get a electric collar, chain training collar, and five different types of balls to reward him for next week. Mark Chen is a professional Shepherd trainer and trains obedience and protection for Dutch Shepherd Dogs, Belgian Malanois, and German Shepherd dogs. To fully trained Dutch Shepherd Dogs, it takes two fully years and many hours and commitment for both the dog and owner as well as the trainer. Ita like sending your child to Harvard undergraduate, graduate and professional schools. Reputable professional dog training programs cost six figures and commitment and dedication.

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$100,000 Belgian Malanois two part dog training program First part of the Belgian Malanois dog training program is obedience training. The second phase is protection and defensive tactical training. Tge training program is intense and the dogs are worked on intensely with training taken seriously several hours daily.

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$100,000 Belgian Malinois Training Unveiled! Dogs and Puppies Edition. 🐾💰 #DogTrainingSecrets #BelgianMalinois #DogsofTikTok #dogtrainermagic | Britani K Safris Mayes | Britani K Safris Mayes · Audio original

$100,000 Belgian Malinois Training Unveiled! Dogs and Puppies Edition. 🐾💰 #DogTrainingSecrets #BelgianMalinois #DogsofTikTok #dogtrainermagic. Britani K Safris Mayes · Audio original