Topics

Here’s the second day of me working with Chase my one year old German Shepherd puppy. Walked around the pond three times around. Teaching Chase how to walk on a leash. He’s kinda of not domesticated and needs a lot of work.

I am first going to leash training Chase then I will training him off leash train him. Tge sit, down, stay, and heel.

If you are detained by a police officer, DO NOT ARGUE and do as the cop says whether you agree with the officer or not. Here’s a typical case where you are guaranteed a death sentence by a cop

https://www.facebook.com/share/v/nTsgu1h8pitAanoy/?mibextid=21zICX&startTimeMs=81635

facebook.com

Man Gets Shot After Opening Fire On Deputies At Florida Gas Station. | Man Gets Shot After Opening Fire On Deputies At Florida Gas Station. | By Snakers | Facebook

Man Gets Shot After Opening Fire On Deputies At Florida Gas Station.

Fani Willis is the Fulton County Georgia District Attorney trying Former President Donald Trump for Fraud of the 2020 Presidential election. However, Fani Willis is the one committing fraud via kickbacks from trips of her third party independent prosecutor

https://youtu.be/ZWgJspRqdck?si=tpyYeJ5dWTjCQKFB

Here is a video clip of what not to do when you get stopped by a police officer

https://www.facebook.com/share/v/TmDkUFC1XGwC9S78/?mibextid=21zICX&startTimeMs=29509

facebook.com

What NOT To Do During a Traffic Stop | What NOT To Do During a Traffic Stop | By Code Blue Cam | Facebook

What NOT To Do During a Traffic Stop

How many states have NMLS Branch Office to Residence requirement to get licensed as a mortgage loan originator.

Can someone explain the difference between a mortgage banker and correspondent mortgage lender?

The mortgage industry is hurting due to the high surging mortgage rates, low housing inventory, skyrocketing home prices, and tough competition among mortgage lenders. This thread is geared towards experienced veteran mortgage loan officers and managers. Which mortgage company is best to launch your career as a mortgage loan officer? Mortgage banker, mortgage broker, FDIC bank, credit union, buying a mortgage franchise or independent loan officer. Thank you in advance. I just ran into this informative blog from GCA Mortgage Group and want to thank GCA Mortgage Group sharing this informative blog on Choosing The Right Mortgage Company To Work as a loan officer.

https://gustancho.com/choosing-the-right-mortgage-company/

gustancho.com

Choosing The Right Mortgage Company For Loan Officers

Choosing The Right Mortgage Company For Loan Officers is so very important. There are now hiring experienced remote loan officers nationwide.

Many loan officers are often curious about working for an FDIC Bank as a loan officer versus a state licensed mortgage company

Is buying a house near an apartment complex a bad investment? Many homebuyers think buying a house will affect their resale value. Here is an article about buying a house near an apartment community.

https://gustancho.com/buying-house-near-apartment-community/

gustancho.com

Buying House Near Apartment Community or Commercial Areas

Buying house near apartment community or Backing Into businesses may be cheaper but expect to have a harder time selling it at lower value.

Does anyone do manufactured new construction home loans where they finance the acquisition of the land and the purchase price of the modular or manufacturer home from the manufacturer. Is is FHA, VA, USDA, or conventional loans? Or is it non-QM manufactured home loans? Alot of these manufacturer homes are better than stick built homes.

What is the difference between manufactured versus modular homes?

Here is funny military 🪖 jokes videos

https://www.facebook.com/share/v/bw1JVKwyWBYtBgNR/?mibextid=21zICX&startTimeMs=161442

facebook.com

Funny Military Stories | Gary Owen | Happy Veterans Day! Here's a compilation of some of my favorite military stories | By Gary Owen | Facebook

Happy Veterans Day! Here's a compilation of some of my favorite military stories

Florida homebuyers and homeowners have a major crisis when it comes to buying homeowners insurance. Many giant homeowners insurance carriers have moved out of the state and no longer do business in Florida.

Why is is so difficult to get a mortgage loan on a home that sits on large acreage

Can you qualify for VA loans with bad credit? Do you have to pay outstanding collections and charge-off accounts to qualify for VA loans?

Mortgage lenders require credit tradelines. What does credit tradelines mean when asked from a mortgage lender?

What does manual underwriting mean on VA Loans? What are the VA manual underwriting guidelines? What is the difference between VA approve/eligible and VA manual underwriting? When is manual underwriting required on VA loans? Do all mortgage lenders do manual underwriting on VA loans?

What is the credit score guidelines on VA loans. What is it that Veterans United says their minimum credit score requirements is 620 and CrossCountry Mortgage says their credit score requirements is 580? Yet other lenders want a 640 credit score on VA loans. I read a blog on GCA MORTGAGE GROUP And it says that Gustan Cho Associates can do VA loans with credit scores down to 500 FICO. SO what is the skinny and the minimum credit score for VA LOANS?

I sent a money order from the United States Post Office and my friend lost it. The recipient of the money order threw it out along with other junk mail accidently. Does anyone know the procedure of getting the U.S. POST OFFICE to re-issue the money order?

I love this little French Bulldog. So cute. Anyone know about Frenchies

https://youtu.be/rJKuNSD169I?si=-WluJi74VG42fmxn

A plane crashed near a Florida expressway killing two pilots. Three passengers survived the crash. It was a small private airplane. The airplane crash was caught on dashcam.

https://youtu.be/rRFWfjyq6h0?si=Jb0oySxMXMLih1uI

The best Japanese sushi 🍣 fine dining restaurant in Chicago. It’s in the Lakeview neighborhood and the finest restaurants of sushi. You will love it. For special occasions or group functions up to 18 people

https://www.ajiomakase.com/

ajiomakase.com

AJI Omakase Chicago | Omakase Sushi Dining Experience

AJI is an omakase dining experience available for the greater Chicago residents. We take pride in serving the greater Lakeview area with a premium nigiri sushi experience with our Omakase. Executive chef Kristian Cho leads AJI's culinary team with his … Continue reading

Here’s videos of Chase. Started leash training Chase the one year old German Shepherd puppy. Walked three tines around the pond. Did so so and he tried pulling time to time. Did not yell at him or try to train him. First day so I let him get used to the house and walking path. Will try to walk him daily for a week before I start leash training him. I want to train him to walk off leash, come when he is called, and not run after squirrels or leave the area where he can not be by me. I will post our progress as time pass. Chase still thinks he is a 4 month old German Shepherd puppy and is clueless on everything. Everything is a game to him. Chase is a good natured dog and doesn’t have a mean bone and needs to start learning how to behave and get some manners. I purchased Chase in September and he has two different types of worms 🪱. One type was a intestinal worm that took 4 months to treat and he needed to be separated from our other dogs because the poop was contagious. Now he’s all healed and showtime so time for one on one training. Chase loves toys especially squeaky balls. I want to train him how to fetch and go on car rides. Once Chase is fully trained, I like to get another German shepherd puppy

Potty training a German Shepherd puppy does not have to be stressful and difficult. German Shepherd Puppies are very intelligent dogs and are fairly easy to Potty Train if the owner knows the basic techniques to make the puppy realize that Potty training means he cannot poop in the house.

https://youtu.be/8b_vYes8ISQ?si=wlr7-l7nnZBXxIQu

German Shepherd dogs are very intelligent dogs. In this video you will see how a trainer trains German Shepherd dogs.

https://youtu.be/xQwIIt_Q_JU?si=XAwmZXmWAlhx8hWo

Many German Shepherd owners want to train their German Shepherd puppy trained to walk off leash. However it is natural for your German Shepherd Puppy to be by you off leash but if your German Shepherd puppy sees a car or squirrel and takes off it can be trouble. Here’s a German Shepherd training video

https://youtu.be/fBm46CHnbPc?si=X60yFH8lOHavyxAA

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

Let’s talk about a specific subject today!

CREDIT UNIONS/Community Banks

Credit Unions offer products to consumers and businesses!

Why I love Credit Unions and you should too:

Credit Unions offer many more credit BUILDING products than banks. They generally have secured loans and secured credit cards

Credit Unions are all about relationships. They are flexible! When you join as a member you are building a relationship.

Credit Unions often have Easier approval requirements than big banks and look at FICO 9 scores which are close to vantage scoring models (those on Credit Karma)

Credit Unions may not come with as many fancy rewards and offers like Chase, American Express, CapitalOne, etc. but they will give you credit cards and high credit lines.

They have a lot of money to lend

They are Great to get consumer credit cards and business credit cards.

Don’t just take my word for it, go apply the knowledge!

Veterans and Credit Diversity: The Importance of a Mixed Credit Portfolio

Welcome to Day 9 of our dedicated series aimed at empowering our nation’s veterans with comprehensive credit knowledge. Today, we venture into the realm of credit mix or credit diversity. As veterans embark on their civilian financial journeys, understanding the value of a diverse credit portfolio becomes a cornerstone of creditworthiness.

Unraveling Credit Diversity: More than Just Cards

A diversified credit portfolio refers to having various types of credit accounts, such as:

• Revolving Accounts: These are accounts like credit cards where you have a set limit, and you can borrow up to that limit as you wish.

• Installment Accounts: Loans with fixed payments over a specific period, like mortgages, auto loans, or student loans.

• Open Accounts: Accounts that require full payment every month, like some utility bills.

Why Does Credit Diversity Matter to Veterans?

Credit mix contributes to 10% of your FICO score. While it might not be the most significant factor, lenders like to see that you can handle different types of credit responsibly. For veterans, especially those who might be building or rebuilding credit post-service, diversifying credit sources can be a strategic move.

Strategies for Building a Diverse Credit Portfolio

• Start with What You Need: Don’t open credit lines just for the sake of diversity. Start with what’s necessary, like a credit card for daily expenses or an auto loan if you need transportation.

• Gradually Diversify: Over time, as your financial needs evolve, consider different types of credit. This could mean taking on a retail card, personal loan, or mortgage.

• Stay Informed: Some veterans benefits or programs offer favorable loan terms. Being informed can help you make credit decisions that not only diversify but also benefit your financial health.

Veterans’ Unique Position: Challenges and Opportunities

• Relocation and Home Purchases: Many veterans, post-service, consider purchasing homes. A mortgage can be a significant addition to a credit mix. Plus, VA loans offer some unique benefits for eligible veterans.

• Education and Training: Post-service, veterans might pursue further education or vocational training. Student loans, if managed well, can contribute positively to credit diversity.

• Starting Ventures: Veterans with entrepreneurial aspirations might consider business loans. This not only diversifies credit but also fuels economic ambitions.

Potential Pitfalls and How to Avoid Them

• Overextension: While diversifying credit is beneficial, overextending and failing to manage repayments can hurt your credit score.

• Unnecessary Inquiries: Each time you apply for new credit, a hard inquiry is made, which can lower your score. Be strategic and limit unnecessary applications.

• Ignoring Account Management: Simply having diverse accounts isn’t enough. Regularly review each one, ensure timely payments, and keep an eye on overall debt.

Closing Thoughts for Day 9: Diversity as a Strength

In the military, strength often stems from unity in diversity – different roles, skills, and backgrounds coming together for a shared purpose. Similarly, in the credit landscape, diversity can be a foundation of strength.

However, just as every role in the military requires diligence and responsibility, every credit account demands meticulous management. The goal isn’t merely to diversify but to manage that diversity adeptly.

As we conclude today’s exploration into credit mix, our mission remains steadfast: to guide our nation’s veterans toward a future where their credit portfolio is not just diverse but also robust and resilient.

Join us tomorrow as we delve deeper, equipping our veterans with the insights and strategies they need to thrive in their financial endeavors.

Reptile lovers reptile expo on February 28th 2024 in Madison Wisconsin. Announced by Charlie “Lzzard Whisperer” Geisler

https://www.eventbrite.com/e/madison-scaled-up-reptile-expo-02-18-2024-tickets-814603269307

eventbrite.com

Madison Scaled Up Reptile Expo 02-18-2024

Scaled Up Expos provides a family friendly opportunity to see and interact with 1000’s of reptiles, amphibians, and much more!

Fani Willia admitted her affair with her outside independent contractor and is justifying her actions

https://youtu.be/Fx490UArgMA?si=jReJsxjLpBXjwisL