Topics

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 1 year, 2 months 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

https://www.facebook.com/share/v/MdJ4jrL5yTJtuUdd/?mibextid=OTybqR

facebook.com

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!

Call.png 276 KB Image File - Click to view

Options

• Copy Download Link

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

Replacement-Cost-Best.png 996 KB Image File - Click to view

Options

• Copy Download Link

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 1 year, 1 month 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.

Change Thumbnail

• Generating thumbnail…
• Generating thumbnail…

0:05

0:10

+1 More Video

0:25

0:10

$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.

https://www.facebook.com/share/r/jgNWpV2iwwVVNzg9/?mibextid=D5vuiz

facebook.com

$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

Here are one in a million incidents police officers run into during their careers.

https://youtu.be/XuUYqpyz-K0?si=Mh6bCyjbFzILVfnN

• This discussion was modified 1 year, 2 months ago by  Gustan Cho.

When Americans are struggling with surging inflation, skyrocketing home prices, false economic numbers, record high unemployment, historic high mortgage rates, and fake news with misleading and deceptive political hacks like Janet Yellen, the Biden Crime Family, the Feds printing money and dollar not backed by any hard assets, the stock market is surging at historic highs and CNN and the fake news media misleading and brainwashing American by announcing how great Bidenomics is and how our economy is great. CNN, the other liberal media media platforms are telling Americans to just look at the stockmarket and that the stockmarket says it all. I say it’s a crock of shit and it is manipulated. Look at prices on grocery stores. Inflation is like a runaway train with no sight of stabilization. Why the economy is I’m dire critical crisis mode, the clowns of America keep on printing money and misleading the American people by lying, causing panic, printing money, and cheating on elections. NDVA is a AI stock that doubled in prices based on future forecasted earnings and the stockmarket is hitting new historic highs every day @cpensacola @alex

https://video.foxbusiness.com/v/6347384777112

video.foxbusiness.com

Investors who thought the AI boom was slowing can ‘think again’: Kevin Mahn | Fox Business Video

Hennion & Walsh Asset Management President Kevin Mahn breaks down Nvidia's better-than-expected sales and earnings data and previews the retail earnings report.

Every sign out there signals the housing market is in big trouble. The liberal media and the Democrats are in a state of denial and according to FED Chairman Jerome Powell, Treasury Secretary Janet Yellen, President Joe Biden, VP Kamala Harris, the liberal media from CNN, CNBC, and every major news networks are saying everything is fine and that Bidenomic is the savior of the forecasted recession and the U.S. economy had a soft landing and we are now in great shape. Who are they kidding. You do not have to be a genius to see that inflation is far worse than the numbers claim. People are not making it with what they are making. Inflation did not stabilize. That is a total crock of bullshit. Look at the prices at the grocery store. Have you seen goods and services doubling and tripling in price in such a short period of time? Most American’s wages have not gotten wage increases to match the rate of inflation. The Federal Reserve Board is headed by a total incompetent leader and the board are a mere of incompetent joke. The dollar is literally worthless and the global economic leaders have lost any and all respect for U.S. currency and I do not blame them. Anyone with a single digit IQ will tell you they will be crazy to invest in the U.S. treasuries the way they are printing the dollar like there is no tomorrow. The dollar is not backed by any hard assets such as Gold or Silver. The inflation rate is far from being stabilized. A Big Mac Value meal at McDonalds is $20.00. California, under the leadership of Gavin Newson is losing residents by the tens of thousands daily and the state is in chaos. Democrat states like California, New York, Illinois are passing laws of making illegal aliens able to own guns and become police officers. Mortgage rates, which seemed like there was a light at the end of the tunnel a few weeks ago when it dropped to the low 6.00% jumped backed up to over 7% due to FAKE economic and unemployment numbers and made up economic data which hands down is a big fat LIE. Corruption is rampant and never in history has the liberal left been as out of control as they are now. The left have no shame. They get caught cheating, lying, stealing, and can lie straight to the American people with a straight face. Home prices have doubled in the past couple of years in many areas of the country and many homeowners have done a cash-out refinance to tap into their artificial equity. The housing market crash forecast is not an IF but a DEFINITE COMING SOON to a neighborhood near you. In the past it was difficult to predict the housing market with complete certainty, as it is influenced by various economic factors that can shift over time. However, based on current data and expert analysis, the potential housing market forecast for the U.S. housing market in 2024 is definitely a given doom and gloom. Moderating home price appreciation: The deniers of the true economy seem to think that after years of rapid home price growth, housing prices will continue to increase, and most forecasts suggest a deceleration in 2024, with prices expected to rise at a more moderate pace of around 2-4% nationwide. However, the realists believe home prices will tank a solid 40% or more and the Dow Jones Industrial Average will fall below 20,000. Stabilizing mortgage rates: If inflation continues to cool, mortgage rates are projected to stabilize in the range of 6-7% by 2024, down from the peaks seen in late 2022. Improving housing inventory: As higher mortgage rates continue to cool demand, the inventory of homes for sale is expected to gradually increase, providing more options for buyers and a potential drop in home prices. More bankruptcies and foreclosures is expected as wll as divorce rates is suppose to skyrocket. Shift towards a balanced market: The deniers and globalists seem to believe the housing market is anticipated to transition from a strong seller’s market to a more balanced state, with less competition and fewer bidding wars which is a crock of shit. Realists believe the real estate market will tank worse than the 2008 financial crisis, more foreclosures, and bankruptcies than ever recorded in history. Affordability challenges: Despite moderating prices, affordability will likely remain a major concern for many buyers due to higher mortgage rates and lingering inflation and homelessness is suppose to skyrocket like never before in the history of the United States. Rental market strength: The rental market is expected to remain strong in 2024 but many rentals is forecasted to increase where many people will not be able to afford rent. Many people who could have afforded homes are not priced out of the housing market and stuck with renting because it is driven by demographic shifts and affordability constraints for homeownership. Regional variations: Housing market conditions will continue to vary across different regions and metropolitan areas, with some markets cooling faster than others. Economic factors: The overall performance of the housing market will depend on factors such as job growth, consumer confidence, and the broader economic conditions in 2024. The media is not reporting the truth about millions of people getting laid off, large number of small businesses shutting their doors, and people losing faith in the American economy. It’s important to note that these forecasts are based on current data and assumptions, and unforeseen economic or geopolitical events could alter the trajectory of the housing market. Additionally, local market conditions may differ from national trends. Wake up, America. We need a total overhaul of corrupt politicians, and a full correction of the housing market and get rid of lifelong career politicians. Fake NEWS needs to be banned and censorship needs to get outlawed. Who in the Hell is Bill Gates, Barack Obama, Anthony Fauci, Nancy Pelosi, Joe Biden, and thousands of liberals and Globalists to demand human depopulation with the coronavirus vaccine, chem trails, killing babies for adrenochrome, and human trafficking where they get to live long and euthanize Americans older than 70 years old. Americans need to voice these concerns and take our country back and eliminate the satanist, evil, mortals who do not belong in this world and need to be terminated as well as their bloodlines. Here is an informative video from Peter Schiff who called the 2008 financial crisis and was spot on.

https://www.youtube.com/watch?v=tZ7MWGJKUro

Here is Chase learning how to sit and stay. I trained Chase how to sit without treats and took me no longer than thirty minutes. Same with stay. After two weeks, I trained Chase how to stay with out any treats and that took me no longer than 30 minutes. Next will be how to come when called. Going by my friend Mark Chen tomorrow at 1 pm to train Chase.

Change Thumbnail

• Generating thumbnail…
• Generating thumbnail…

0:20

0:20

• This discussion was modified 1 year, 1 month ago by  Gustan Cho. Reason: Forgot to check NOTIFY ME BOX

Recently, I have had quite a few borrowers that did not have active tradelines. Experian Boost is great for reporting alternative trade lines, but that is only one bureau. I have had good luck recently with Stellarfi.com.

stellarfi.com

Page not found - StellarFi

Page not found - StellarFi

Seems like everyone is an expert in the media where they say that mortgage rates are still low. Jim Kramer of CNN is the biggest liar and bullshitter who has great talent. Jim Krammer talent is lying with a straight face on national television on how great the economy is, how inflation is under control, and how mortgage rates are still low compared to 1980. All of these liberal clowns need to shut down their clownshow and get off the air. What are your thoughts of mortgage rates forecast in the coming months through 2025? What are your thoughts of inflation, the housing market, the stock market, the dollar, unemployment, and investment opportunities?

Can you please recommend how to qualify for a mobile home. I am working on my rebuilding my credit. Eric from FHA Bad Credit Lenders recommended Felix and I tried calling him today.

What are FHA spot loans for homebuyers buying a condominium with an FHA loan? How does FHA spot loans work?

Can a mortgage loan officer explain the difference between a warrantable and non-warrantable condominium unit? Also what is the difference between a condominium and a condotel or condo hotel? How can I get financing on non-warrantable, condotel, and warrantable condominium units?

Google’s March 2024 upgrade is revolutionary; numerous websites are affected by algorithmic modifications and removed from Google Search.

Following are the five things you should be aware

1. Google is completely deindexing websites

2. Penalties are immediate.

3. Even websites that have undergone past updates are not safe.

4. Older, error-filled websites are insecure.

5. Little websites with AI content were also impacted.

Check out the article below for details.

https://searchengineland.com/google-march-2024-core-update-things-you-need-to-know-438370

searchengineland.com

Google's March 2024 core update: 5 things you need to know

Google's March 2024 update is a game-changer, with many sites impacted by algorithmic changes and deindexed from Google Search.

Maintaining insurance coverage is crucial for safeguarding your assets and finances against unexpected events. However, a lapse in insurance can prove problematic when seeking a new carrier. It is imperative to understand the potential consequences that can arise from a lapse in coverage as they can impact your ability to secure insurance coverage.

A lapse in insurance arises when an individual fails to pay their insurance premiums on time, resulting in the expiration of their coverage. This can happen for various reasons, such as financial difficulties, forgetfulness, or being unaware of the renewal date. Regardless of the reason, a lapse in coverage can pose significant challenges when attempting to acquire a new policy.

Primarily, a lapse in insurance can make it difficult to find a new carrier. Insurance companies view lapses in coverage as a red flag, indicating that the client may be a high-risk candidate. The length of the lapse can determine the difficulty of finding a new carrier willing to provide coverage. Some insurance companies may refuse coverage altogether, while others may require a down payment upfront or charge higher premiums.

Additionally, a lapse in insurance can impact insurance rates. Insurance companies use various factors to determine insurance rates, including driving record, credit score, and claims history. A lapse in coverage can negatively affect these factors, resulting in higher insurance rates. In some instances, the insurance company may require higher rates for several years after the lapse.

Finally, a lapse in insurance can impact one’s ability to make claims. If an accident occurs during the lapse, the individual may not be covered by their insurance policy. Even if a new policy is secured after the lapse, the new carrier may refuse to cover damages incurred during the lapsed period.

In summary, a lapse in insurance can create significant difficulties when attempting to secure a new carrier. Timely payment of premiums and staying aware of renewal dates can help avoid a lapse in coverage. If a lapse does occur, it is crucial to work with an insurance agent to find a new carrier and understand the implications of the lapse on one’s coverage and rates. Being proactive about insurance coverage can ensure that one is protected in the face of unforeseen circumstances.