Texas Title Loans – Uncharted 3 Blog http://uncharted3blog.com/ Wed, 16 Nov 2022 15:54:00 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://uncharted3blog.com/wp-content/uploads/2021/05/default.png Texas Title Loans – Uncharted 3 Blog http://uncharted3blog.com/ 32 32 Century Communities Reveals New Community in Northwest San Antonio https://uncharted3blog.com/century-communities-reveals-new-community-in-northwest-san-antonio/ Wed, 16 Nov 2022 15:54:00 +0000 https://uncharted3blog.com/century-communities-reveals-new-community-in-northwest-san-antonio/ New model available for tour in Bear Creek, offering 120 new homes from America’s top 10 builders SAN ANTONIO, November 16, 2022 /PRNewswire/ — Century Communities, Inc., a top 10 national homebuilder and industry leader in online sales, announced that its new Whitney model is now open for viewing in Bear Creek, the new business […]]]>

New model available for tour in Bear Creek, offering 120 new homes from America’s top 10 builders

SAN ANTONIO, November 16, 2022 /PRNewswire/ — Century Communities, Inc., a top 10 national homebuilder and industry leader in online sales, announced that its new Whitney model is now open for viewing in Bear Creek, the new business community in the northwest San Antonio with 120 homes for sale. Starting at $200, a versatile range of one- and two-story floor plans offer an attractive array of designer-selected included features such as granite kitchen countertops and the Century Home Connect™ smart home package of the manufacturer.

Learn more, get directions and view available homes at www.CenturyCommunities.com/BearCreekSA.

“Offering a quick commute to downtown hotspots and Lackland Air Force Base, Bear Creek offers a prime location for homebuyers in the San Antonio region,” said Eric Runge, president of the San Antonio Division. “And with the flexibility to buy locally or online, and a selection of beautiful single-family floor plans, we’re making it easier than ever for buyers to find their dream home.”

LEARN MORE ABOUT BEAR CREEK:

  • 6 single-family floor plans to choose from
  • 3 to 4 bedrooms, 2 to 3 bathrooms, 2 bay garages
  • Up to approximately 2,394 square feet
  • Located to the northwest San Antoniostopped Loop 1604 at Talley Road
  • The Whitney model is now open for touring

14739 Emerio Drive
San Antonio, TX 78253
210.504.3024

DISCOVER THE FREEDOM OF BUYING A HOME ONLINE:

Century Communities is proud to offer its first online home buying experience on all available homes in the greater San Antonio Region.

How it works:

Buy homes on CenturyCommunities.com

  1. Click “Buy Now” on any available home
  2. Complete a quick online purchase form
  3. Electronically submit an initial earnest money deposit
  4. Electronically sign a purchase contract via DocuSign®

Learn more about the online homebuying experience at www.CenturyCommunities.com/online-homebuying.

About Century Communities
Century Communities, Inc. (NYSE: CCS) is a top 10 national homebuilder, offering new homes under the Century Communities and Century Complete brands. Century is engaged in all aspects of residential construction, including the acquisition, allocation and development of land, as well as the construction, innovative marketing and sale of quality homes designed to appeal to a wide range of people. buyers. The ColoradoThe New York-based company operates in 17 states and more than 45 markets across the United States, and also offers title, insurance and lending services in select markets through its subsidiaries Parkway Title, IHL Home Insurance Agency and Inspire Home Loans. To learn more about Century Communities, please visit www.centurycommunities.com.

For information, contact:
Alyson Ben
Century Communities, Inc.
303-558-7352
[email protected]

SOURCE Century Communities, Inc.

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Local business leaders come together to help black businesses grow https://uncharted3blog.com/local-business-leaders-come-together-to-help-black-businesses-grow/ Sun, 13 Nov 2022 11:32:54 +0000 https://uncharted3blog.com/local-business-leaders-come-together-to-help-black-businesses-grow/ Channel 2 realizes the income disparities between white families and those in black and brown communities. The U.S. Federal Reserve points to longstanding barriers like housing discrimination and a lack of equal income access, but some business leaders are trying to change that. Recently, Channel 2’s Dave Huddleston was in DeKalb County at the new […]]]>

Channel 2 realizes the income disparities between white families and those in black and brown communities.

The U.S. Federal Reserve points to longstanding barriers like housing discrimination and a lack of equal income access, but some business leaders are trying to change that.

Recently, Channel 2’s Dave Huddleston was in DeKalb County at the new Black Wall Street in Stonecrest recently, where he was reviewing a program that helps small businesses grow.

[DOWNLOAD: Free WSB-TV News app for alerts as news breaks]

On Saturday, there was a forum where people learned best practices on how to grow their businesses and generational wealth.

“Access to capital. The insurance industry right now is really crazy,” said Kevin Pratt.

Pratt and his wife, Moira, launched a video recording and streaming service in 2020. They said it can be difficult to know the ins and outs of running a successful business.

“There are a lot of black businesses, especially here in Georgia, they just need to figure out where the connections are,” Pratt said.

TRENDING STORIES:

“We have been privileged and blessed, let’s go out there and champion and use this wealth of knowledge and influence from their business leaders and bring them all over the state of Georgia,” Bruce Levell said.

Levell is the owner of Dunwoody Diamonds and a former adviser to former President Donald Trump. Levell hosted a forum for small businesses on how to apply for credit, loans and build financial wealth.

“When financial crashes or pandemics hit, other cultures have been blessed with three or four generations, they have a greater chance of sustainability,” Levell said.

[SIGN UP: WSB-TV Daily Headlines Newsletter]

The US Federal Reserve said black and brown households account for only 15-20% of the net worth of white families. Levell said owning a home and owning a business are good ways to reduce income disparity and that sharing best practices can grow your business, especially for people like the Pratts.

IN OTHER NEWS:

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Powerful indie duo Plains cultivate Texas tone https://uncharted3blog.com/powerful-indie-duo-plains-cultivate-texas-tone/ Thu, 10 Nov 2022 17:20:14 +0000 https://uncharted3blog.com/powerful-indie-duo-plains-cultivate-texas-tone/ Saturday was a big night for Texas at the Brooklyn Bowl in Nashville. As the Astros won the 2022 World Series in Houston, two prominent artists from the indie/alternative frontier played a vibrant, joyful set of country music bathed in Lone Star light. They covered Willie Nelson, Terry Allen and The Chicks, and there were […]]]>

Saturday was a big night for Texas at the Brooklyn Bowl in Nashville. As the Astros won the 2022 World Series in Houston, two prominent artists from the indie/alternative frontier played a vibrant, joyful set of country music bathed in Lone Star light. They covered Willie Nelson, Terry Allen and The Chicks, and there were even Don’t Mess With Texas t-shirts for sale at the merchandising table.

But the real story is the songs that Texan Jess Williamson and Alabama native Katie Crutchfield, who performs under the alias Waxahatchee, wrote and sang together. Fans of each other’s music, they formed the new and perhaps unique duo called Plains. their album I walked a path with you skyrocketed to the top of the Americana chart after its release in mid-October. The reviews are effusive. Jason Isbel tweeted his approval. Their ongoing tour offers fans that shared vision where it feels most emotional, the live stage.

After treading on Loretta Lynn’s stumps, Crutchfield and Williamson led their four-piece band through the album’s opening song sequence. “Summer Sun” is a bright, floating letter of regret and separation sung in close harmony, with lyrics by Williamson. Although there was no banjo part like the recorded version does, the performance set a country tone rooted in the populist, forward-thinking vibes of the Judds and the golden vistas of the Flatlanders.

Next, “Problem With It” is one of the catchiest and most subtle songs released in 2022, an American radio hit and a contender for Song of the Year. It’s Crutchfield’s lyrics, which are as striking as the Southern poetry of his Waxahatchee projects, though a bit more down to earth. In another song about leaving a relationship with defiance and dignity intact, she sings, “I’m driving fast on high alert/Pass the Jet-Pep and the Baptist church/On the county line, I’ll be a softly heard songbird”. It’s an Alabama gas station, I’ll concede, but the line immediately makes me think of James McMurtry’s Texas eye for local details: “That place you say you’re looking for/It’s far of the track / It would take a quarter tank of the fire chief / I’m going there and I’m coming back.

“Line Of Sight” followed, always respecting the order of the tracks on the album, with its comfortable stride and soaring chorus. Crutchfield speaks directly to God in this one, seeking existential solace and perhaps recuperation from the restrictions of a religious upbringing (“I don’t wanna give an eye for an eye,” sings she). At this point, the album – and the show – set the bar high and a clear point of view. This music refers to commercial country music that artists grew up on without imitating it. It’s melodious and personal, clear and persuasive. It’s one of the most “eventful” albums of the year, a collaboration that we will be delighted with and want more of.

Crutchfield is a searching and emotionally open singer-songwriter who launched as Waxahatchee (named after a creek where she grew up) after spending time with pop/punk band PS Eliot. Her lo-fi debut won national acclaim in 2012, and she’s been a notable force in left-leaning folk/indie rock ever since. Nothing hit as hard as the 2020s Saint Cloud, a beautifully written collection that found Waxahatchee leaning more towards folk and country than anything she had done so far. Although still somewhat mannered in its distinctive vocal attack, the record plays and reads in some ways like blonde on blonde, with a loose, elemental band supporting colorful lyrics. “I release a disjointed sigh / You illuminate me as I galvanize / A flowery death”, she sings in “Hell” for example. He made a lot of year-end Americana lists. Fork gave it a rare score of 8.0 and tied it with Lucinda Williams’ landmark Car wheels on a gravel road in the Southern Gothic school.

For her part, Jess Williamson told a writer in 2016 that she made her second album with Patti Smith and Joni Mitchell as “guardian angels on my shoulders,” and that’s a good rough idea of ​​her output. thoughtful alternative folk. She also talks about bridle against her conservative suburban Dallas background and building the confidence to take her stories to the stage. She did it during and after college in Austin, then moved to Los Angeles in time to release her third album. cosmic wink in 2018. The one that reunited her with Crutchfield was album #4, 2020 Witch. It’s a beautiful and varied listen, with some synth sounds reminiscent of the 90s and lots of acoustic guitar and melodic vocals as well. In a New York Times feature on Plains, she said it was “the most I’ve ever leaned into country sounds, and it felt like I had unfinished business.”

Williamson and Crutchfield met in 2017 and had grown closer, especially as the pandemic halted touring supporting their respective career best releases of 2020, albums they mutually loved. They had ambition but not quite the kind of energy it takes to head back to the studio on their own for another round. So they concocted Plains as a special project that would allow them to freely explore their love of country music. They noted the legendary Trio album as a touchstone, not that Dolly Parton, Emmylou Harris and Linda Ronstadt needed to go back to their roots, but that sound, with high-flying harmony and simpler song structures, illuminates the Plains album from its first steps. The artists slipped easily and naturally into a space with less artifice and more blues, less angst and more open road.

Williamson contributed “Abilene,” a singsong country waltz suspended between a disappointing past and a windshield-forward future. His “Texas in my rearview/Plains in my heart” line lends its name to the duo project while evoking soft, flat landscapes as a metaphor for the place on which to build oneself. This is followed, at the heart of the album, with Crutchfield’s “Hurricane,” in which his voice recasts its idiosyncrasies from the cool estrangement of indie rock to a poignant chirp in country context. The lyrics about the complexities of a woman form a dreamy and uplifting chorus. Throughout, the union of these voices is more lovely and book-matching than one might guess from their individual works. The story of mutual musical discovery, friendship and collaboration is reminiscent of the Highwomen and the 2021 duo of Jade Jackson and Aubrie Sellers, but while that connection steered them into rock and roll all the way, Plains looks like a big relaxed exhale, a soft place to land.

The album doesn’t lag in the second half either. They pull a cover, a naked cowboy waltz by Texas artist Hoyt Van Tanner. “Last 2 On Earth” features rolling piano and Crutchfield lyrics that find the singer in a happier relationship, perhaps because there’s a co-writer here, her partner Kevin Morby. “Easy” is perhaps the most beautiful song in the collection. Then, the main voice of Jess Williamson inaugurates us gently with the title song of her album “I Walked With You A Ways”. It is about the impermanence of many of our relationships and the importance of appreciating them fully in any event. This is good advice to consider this magical collaboration. Jess and Katie may or may not be recording or touring again, so this memory of 2022 and the remaining shows on the schedule are all to be savored all the more.

Plains – “Trouble With That”

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Federal Agent Spots Fugitive at Disney World, Arrests Him https://uncharted3blog.com/federal-agent-spots-fugitive-at-disney-world-arrests-him/ Mon, 07 Nov 2022 10:47:00 +0000 https://uncharted3blog.com/federal-agent-spots-fugitive-at-disney-world-arrests-him/ Comment this story Comment United States Postal Inspection Service Inspector Jeff Andre was investigating an alleged impersonation scheme that netted nearly $150,000 in fraudulent coronavirus relief loans. And although he bonded with a suspect and signed a criminal complaint in November 2021, it would take a chance encounter nearly a year later to arrest the […]]]>

Comment

United States Postal Inspection Service Inspector Jeff Andre was investigating an alleged impersonation scheme that netted nearly $150,000 in fraudulent coronavirus relief loans. And although he bonded with a suspect and signed a criminal complaint in November 2021, it would take a chance encounter nearly a year later to arrest the alleged mastermind.

Of all places, it happened late last month at Disney World’s Animal Kingdom in Orlando, according to an arrest report from the Orange County Sheriff’s Office.

Quashon Burton, 31, had been facing federal charges — two counts of theft of public funds and one count of impersonation — since Nov. 29, 2021. But when authorities tried to execute a warrant in December, Burton was nowhere to be found. His mother told officers Burton would not turn himself in, Ashley C. Nicolas, an assistant U.S. attorney for the Southern District of New York, wrote in a letter to Judge Lewis A. Kaplan.

Where did the covid aid money go?

Prosecutors say the 31-year-old New York resident had been on the run for almost a year – until he was spotted by Andre at Disney’s biggest theme park in the US, home to around 2,000 animals, an Everest expedition simulation and an area inspired by the movie “Avatar”.

While on a pleasure trip to Animal Kingdom on Oct. 20, Andre spotted Burton — whose neck has a distinctive tattoo of a cursive “H” — and informed Disney World security, arrest records show. Officials from the Orange County Sheriff’s Office were later called to the scene. After confirming Burton’s federal warrant and obtaining a photo of him from Andre, deputies found Burton exiting the park at a bus stop with two family members.

According to the arrest report, Burton “questioned why he had to provide his identification” and initially gave officials a false name. He was asked “several times” to place his hands behind his back but he refused, the report said. Ultimately, an official took Burton “to the ground to secure him safely,” the report adds, which led to another charge: resisting an officer without violence.

Burton was then taken into local custody before being transferred to a federal prison. In his Oct. 26 letter to the judge, Nicolas, the prosecutor, said “law enforcement later learned that Burton had used a false identity at Disney World.”

“He has clearly demonstrated his ability to hide his true identity to evade law enforcement,” Nicolas wrote. “He also demonstrated a willingness to lie about that identity to avoid arrest.”

As a member of the House Small Business Committee, Rep. Chu also said the Small Business Administration did not collect important demographic information about the businesses it funded during the pandemic. “There definitely needs to be more oversight. One very, very disappointing thing was that the SBA didn’t require institutions to disclose whether the business was a business of color, a minority-owned business…a woman or a veteran. And because it hasn’t been implemented…we’ve lost some very valuable information about whether we’re truly serving small businesses in need. (Video: Washington Post Live)

Prosecutors allege Burton was able to secure Paycheck Protection Program (PPP) loans — which were intended to support small businesses during the pandemic but have been riddled with cases of fraud and deception — using a “complex web” of names, dates of birth and Social Security numbers of at least four victims throughout the summer of 2020.

Harvey Fishbein, Burton’s attorney, declined to comment on the allegations.

According to court records, on July 17, 2020, Burton filed PPP loan applications for two Texas-based businesses: a daycare center and a flooring company. But investigators alleged no such companies existed and accused Burton of using other people’s personal information and bank cards.

On July 20, 2020, a total of $149,800 in loans was deposited by the government into two bank accounts that Burton had access to, according to court records. A week later, officials say, he transferred some $10,000 to another account he had set up and attempted to buy more than $6,000 worth of money orders at a New York postal facility, a complaint alleges. .

SBA approved loans with signs of fraud early in pandemic, House report says

It would take investigators more than a year to gather enough evidence to seek an indictment. Yet, by the time the warrant for Burton’s arrest was served, authorities were unable to find him – that is, until the pair crossed paths in the “kingdom of animals… real, ancient and imagined,” such as the Animal Kingdom dedication plaque from 1998 readings.

After Burton’s arrest at the park, U.S. District Court Judge David A. Baker for the Middle District of Florida approved his release, on the condition that he be monitored by GPS. But prosecutors in the Southern District of New York – where his federal case is pending – said he was at “extreme flight risk” and urged him to remain in custody. Kaplan, the judge presiding over the case in New York, eventually agreed, citing Burton’s previous failures to appear on court orders and his attempts to evade law enforcement, according to court records.

On Friday, Baker rescinded the conditions of Burton’s release and ordered the US Marshals Service to transport Burton some 1,079 miles north of New York – where he faces “a serious sentence that includes a mandatory minimum sentence of two years”. , prosecutors said.

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KeyBank: 2022 Home Equity Review https://uncharted3blog.com/keybank-2022-home-equity-review/ Fri, 04 Nov 2022 18:27:00 +0000 https://uncharted3blog.com/keybank-2022-home-equity-review/ Founded in Albany, New York in 1825, KeyBank is one of the oldest major banks in the United States. Now based in Cleveland, Ohio, it has more than 1,000 branches in 15 states and offers owners several options for home equity loans and home equity lines of credit, or HELOC. James Martin/CNET One of the […]]]>

Founded in Albany, New York in 1825, KeyBank is one of the oldest major banks in the United States. Now based in Cleveland, Ohio, it has more than 1,000 branches in 15 states and offers owners several options for home equity loans and home equity lines of credit, or HELOC.

James Martin/CNET

One of the benefits of a KeyBank HELOC is that it comes with a fixed rate option, which can provide borrowers with valuable savings in today’s environment. context of rising interest rates. In addition to home loans, the bank also offers banking services such as checking and savings accounts, investment accounts, and personal loans.

KeyBank: at a glance

Types of loans offered

Home Equity Loan, HELOC

APR

N / A

Amount of the loan

The home equity loan range is $25,000 to $500,000; The HELOC range is $10,000 to $500,000

Minimum credit score

N / A

Repayment Terms

Five to 30 years

Average approval time

N / A

KeyBank is more suitable for people looking for a longer repayment term as it offers borrowers a 30-year repayment option. It also offers a low minimum loan amount of $10,000 for its HELOC, ideal for people who only need access to a small amount of money and don’t want to pay interest when withdrawing funds. extras that they won’t use.

For HELOCs and home equity loans, homeowners can borrow up to 80% of their combined loan-to-value ratio, or CLTV, which is the total of your outstanding mortgage balance and any other loans on your home, divided by the current value.

What we like

Interest rate reduction: If the borrower, or a family member who lives in the house, opens a KeyBank checking and savings account, the bank will reduce their interest rate by 0.25%, which can save them dozens thousands of dollars over the life of the loan.

Flat rate option: Although the interest rate on a KeyBank HELOC is variable, the bank offers options to fix the rate, which can save you money when interest rates rise.

Principal and interest payments: Instead of making interest-only payments for the first few years of your HELOC repayment, you have the option of making payments on your principal balance plus accrued interest – again, saving you long-term money – provided you can afford the higher monthly payments from the start.

Low minimum loan amount: The minimum amount for a HELOC is $10,000, which is useful if you don’t need a lot of money for a small project like renovating a home office. However, when a HELOC has a higher minimum, the owner can withdraw more money than they need, on which they must pay interest.

What we don’t like

Restricted availability: The bank only offers home equity loans in 15 states: Alaska, Colorado, Connecticut, Idaho, Indiana, Massachusetts, Maine, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont and Washington. For a KeyBank HELOC, you can qualify anywhere in the United States except Alabama, Arizona, California, Nevada, Texas, and the District of Columbia.

High minimum home equity loan amount: If you are a homeowner who needs less than $25,000, a KeyBank home equity loan does not qualify.

Early Termination Fee: You are required to reimburse KeyBank for any third party fees it has paid on your behalf if you repay your loan in full and close your account within 36 months.

Home equity loan options

KeyBank offers fixed and variable rate home equity loans and HELOCs. It also offers a home construction loan for home renovations, which not all banks offer as an option.

Costs

KeyBank charges a $295 origination fee for home equity loans, and depending on your loan amount, you may also have to pay title insurance premiums. For HELOCs and home equity loans, if you repay your home loan in full and close your account within 36 months of opening it, you are responsible for reimbursing KeyBank for any third party fees it covered on your behalf during the closing process. .

How to qualify

Although KeyBank does not disclose its minimum credit score requirements, many lenders will consider scores starting in the middle of the 600 range, provided you have sufficient net worth (usually at least 15% to 20% ) and a stable and adequate income. You can apply for a home equity loan from KeyBank as long as you live in one of its 15 eligible states and have current risk insurance on your property.

Begin

You can apply online or in person at one of KeyBank’s 1,000 branches. You will need the documents required to be approved for a home loan, such as your recent W-2 form, pay stubs and tax returns to verify your income and employment, and any documentation related to your existing mortgage. .

If you sign up for a KeyBank checking and savings account during the process, you can get a 0.25% discount on your interest rate.

Customer service

Call KeyBank or make an appointment at a bank branch. Its customer service home loan inquiry line is available Monday through Friday, 5 a.m. to 5 p.m. PT, as well as Saturday, 6 a.m. to 12 p.m. PT.

Live phone support:

  • Home loan options: 888-539-0018
  • Existing Home Loan Customers: 800-422-2442
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Los Angeles City Attorney Race Under-the-Radar: A Look at the Money | News & Community https://uncharted3blog.com/los-angeles-city-attorney-race-under-the-radar-a-look-at-the-money-news-community/ Tue, 01 Nov 2022 18:36:57 +0000 https://uncharted3blog.com/los-angeles-city-attorney-race-under-the-radar-a-look-at-the-money-news-community/ This article is published in collaboration with Crosstown. The City Attorney position is the second highest elected office in Los Angeles. Yet, as election day approaches, the race for success called Mike Feuer gets little attention. He was overshadowed by the mayoralty game, some tough city council contests, and even a battle to be the […]]]>

This article is published in collaboration with Crosstown.

The City Attorney position is the second highest elected office in Los Angeles. Yet, as election day approaches, the race for success called Mike Feuer gets little attention. He was overshadowed by the mayoralty game, some tough city council contests, and even a battle to be the next city controller.

In the June primary, progressive candidate Faisal Gill finished first in a field of seven, but with just 24.2% of the vote. Hydee Feldstein Soto, who got 19.9%, squealed in the second round to meet him. Election day is November 8.

The city attorney has a sprawling set of duties: the office drafts legislation, defends the city in lawsuits, can file lawsuits, and prosecute misdemeanors. The position requires not only legal skills, but also high-level managerial skills – the office employs more than 500 lawyers.

During the primary, Gill had $1.5 million at his disposal, according to disclosure statements filed with the city’s ethics commission. That included nearly $1.2 million in personal loans, the city’s largest self-financing effort outside of mayoral candidate Rick Caruso. In the first round, Feldstein Soto raised $393,000 in traditional donations, where the maximum allowable individual contribution is $1,500. She augmented that with a $50,000 personal loan and $267,000 in city matching funds (given to contestants who raise a certain amount through small donations from local residents).

The disparity continues in the second round. Through Sept. 24 (the most recent campaign funding deadline), Gill has reported contributions of $569,000, including an additional $400,000 in personal funds. Feldstein Soto built up a war chest of $335,250, including $75,000 in personal loans.

Here’s more on how their money breaks down during the runoff period.

USC Crosstown

Faisal Gill

Gill works as a civil rights attorney. A former Republican now registered as a Democrat, he lost election races in Vermont and Virginia. The current Porter Ranch resident became a candidate for city attorney after representing a black man who filed a racial profiling complaint against the city.

Of the $2.1 million Gill has earned since entering the contest, nearly $1.6 million is his own money.

During the second round’s first submission period, it generated 177 donations, according to revelations from the Ethics Commission (new totals will be revealed this week). This compares to the 497 donations obtained by Feldstein Soto.

A pie chart showing 177 donations for Gill versus 497 for Soto.

USC Crosstown

During the runoff period through September 24, Gill raised approximately $170,000 in traditional donations. About $62,000 of that amount came from out-of-state, and some of its top donor zip codes are in Virginia and Texas, according to a financial data dashboard from the Ethics Commission of the State. town. An estimated 36.5% of his donations come from outside of California.

An analysis of publicly available campaign data shows Gill received 89 maximum donations of $1,500, with 18 other contributions of $1,000. Only about 26 donations were $200 or less.

At least 18 of Gill’s donors work in the legal field, according to revelations from the Ethics Commission. 15 others are doctors.

Eleven of these doctors provided maximum donations. Others who finished on top include five people listed as CEOs, three managers from the Woodland Hills Fireplace Barbecue company and Congressman Isaac Bryan’s campaign committee.

Hydee Feldstein Soto

Like Gill, financial lawyer Feldstein Soto has never held public office. She was born in San Juan, Puerto Rico and has lived in Los Angeles for nearly 40 years. She resides in Mid-City.

Feldstein Soto relies more on small donations than Gill. She has 70 donations of $214. The city’s 6:1 matching fund program, an effort to level the playing field, means that every donation of this amount can generate an additional $1,284. The initial donation and matching total $1,498, close to the maximum contribution of $1,500. (Gill’s personal contributions make him ineligible for matching funds).

Feldstein Soto also attracted 95 donations of $1,500 and 20 of $1,000.

According to documents filed by the Ethics Commission, during the runoff period, she received 95 donations of $100. That compares to 14 for Gill.

A bar chart shows the number of $1,500 donations earned (95 for Soto, 89 for Gill) and $100 donations earned (95 for Soto, 14 for Gill)

At least 70% of the money Feldstein Soto raised from donors during the runoff period comes from inside California. Only about $17,350 is identified as coming from out of state.

Unsurprisingly given her background and the seat she is running for, Feldstein Soto has broad support from those in the legal field. This includes more than 70 attorney donations.

She also has more than two dozen contributions from people in the real estate development industry. Seventeen people whose job title is “consultant” gave him money.

Two dozen attorneys gave Feldstein Soto the highest donation amount of $1,500. She also received maximum contributions from unions representing City of Los Angeles firefighters and Department of Water and Power employees, as well as a political action committee from Planned Parenthood of LA County. Another $1,500 came from someone identified only as “Iris”.

how we did it: We reviewed publicly available campaign finance data from the City of Los Angeles Ethics Commission through September 24, 2022. Some of the data from an ethics commission dashboard may be put up to date and not fully reflected in this article. More information about our data here.

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TitleEase Announces New Franchise Pyramid Title https://uncharted3blog.com/titleease-announces-new-franchise-pyramid-title/ Mon, 24 Oct 2022 15:00:00 +0000 https://uncharted3blog.com/titleease-announces-new-franchise-pyramid-title/ AUSTIN, Texas, Oct. 24, 2022 (GLOBE NEWSWIRE) — TitleEase, a title franchise and settlement services company, announced the addition of a new franchisee, Pyramid Title LLC. “We are thrilled with our new Pyramid Title franchise.” said Joseph D’Urso, CEO of TitleEase. “Refinance.com is a very innovative online business and with their experience in the industry […]]]>

AUSTIN, Texas, Oct. 24, 2022 (GLOBE NEWSWIRE) — TitleEase, a title franchise and settlement services company, announced the addition of a new franchisee, Pyramid Title LLC.

“We are thrilled with our new Pyramid Title franchise.” said Joseph D’Urso, CEO of TitleEase. “Refinance.com is a very innovative online business and with their experience in the industry as a mortgage leader, we will be able to expand their product offerings. Have the ability to provide title services to their clients existing mortgages will allow Nick and his team to provide the most efficient closing process possible. With this current real estate market, it is difficult to find ways to increase profitability and service. This is an excellent partnership opportunity to allow Refinance.com to stand out and shine with its new title company, Pyramid Title, a TitleEase franchise.”

“We are thrilled to partner with TitleEase. Refinance.com is a new leader in the online mortgage industry and is partnering with TitleEase, an innovative, cutting-edge title company to form Pyramid Title. Their ability to understanding our needs and their turnkey system really allows us to capture additional revenue in an unprecedented market. It’s a great partnership.” Franchise quote.

The new franchise is located in Texas and will serve customers across the state.

TitleEase provides a simplified, streamlined, and fully compliant path for mortgage originators, managers, and real estate professionals to own and operate a title agency without the burden and expense of building a platform to start from nothing. Franchisees own a tangible asset with its own terminal value.

To learn more, visit www.titleeasefranchise.com.

About TitleEase

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Don’t advance a legislator married to a lobbyist https://uncharted3blog.com/dont-advance-a-legislator-married-to-a-lobbyist/ Fri, 21 Oct 2022 15:06:00 +0000 https://uncharted3blog.com/dont-advance-a-legislator-married-to-a-lobbyist/ Oct. 21 – State Representative Moe Maestas wants what amounts to a promotion – a Senate nomination. He shouldn’t get his way. Maestas, D-Albuquerque, is married to high-profile lobbyist Vanessa Alarid. Their relationship can and has created conflicts of interest. Maestas chooses to ignore them by voting on bills that Alarid is paid to promote. […]]]>

Oct. 21 – State Representative Moe Maestas wants what amounts to a promotion – a Senate nomination. He shouldn’t get his way.

Maestas, D-Albuquerque, is married to high-profile lobbyist Vanessa Alarid. Their relationship can and has created conflicts of interest. Maestas chooses to ignore them by voting on bills that Alarid is paid to promote.

For example, Alarid lobbied for a bill coveted by the New Mexico Lottery. Maestas voted for the measure.

The representative initially did not disclose his wife’s involvement in the bill. It was only after I asked him about it that Maesas started mentioning publicly that Alarid was a lobbyist for a lottery vendor supporting the bill.

The proposal would have reduced the guaranteed amount of money for college scholarships funded by lottery proceeds. Instead, lottery staff would spend more on prizes and advertising.

Lottery vendors could take advantage of this arrangement. College students were sure to lose.

According to lottery administrators and many state legislators, raising lottery prizes could eventually benefit the scholarship program. They hoped to attract more players through bigger jackpots. Based on this premise, Maestas, Alarid and other supporters of the bill said lottery revenue could eventually grow and fund even more scholarships.

Their pitch was a form of trickle-down economics, the system that never works for the little guy. Maestas wanted students to take less now in hopes that an explosion in lottery ticket sales would one day occur.

Lawmakers created the state lottery in 1995. By law, it exists for one reason only: to fund college scholarships. In times of rampant debt for loan-dependent students, New Mexico has provided at least partial relief.

But the lottery’s administrators wanted a change, proposing to eliminate the requirement that 30% of gross revenue should be set aside for scholarships. If they could reduce that amount and spend more on prizes, they could attract more players.

They ignored the fact that the state’s population has been stable for over a decade. Many residents also refuse to play the lottery for the most basic reason: it’s a bad bet.

Lottery executives never doubted the power of Alarid and other lobbyists. They tried in five legislative sessions to reduce the amount of scholarships. All efforts failed, but not without a fight.

Alarid’s work as a lobbyist is extensive. Her campaign finance report for the 2022 election cycle shows that she made $242,000 in political contributions on behalf of her company or various clients. Many state legislators were among the recipients.

Additionally, Alarid listed $29,700 in expenses. A total of $24,700 was spent on meals and beverages. Lobbying often extends from government buildings to nightclubs.

Its list of employers is deep and diverse. It includes AT&T, the office of state treasurer Tim Eichenberg, the New Mexico Independent Automobile Dealers Association, Everytown for Gun Safety Action Fund and Hilcorp San Juan, a Texas-based oil and gas company.

Maestas, a state representative for 16 years, isn’t the only lawmaker married to a lobbyist.

Rep. Doreen Gallegos, the Democratic whip for Las Cruces, is married to Scott Scanland, who has a higher profile than many lawmakers. Scanland has been a lobbyist since 1987.

Last year, Gallegos received the prestigious title of acting majority leader of the House. His rise came when Rep. Sheryl Williams Stapleton resigned after being the target of a public corruption inquiry.

I opposed any attempt to elevate Gallegos to Majority Leader permanently, writing, “Customer money paid to Scanland benefits Gallegos. New Mexico is a community-owned state.”

The same goes for Maestas and Senator Liz Stefanics, D-Cerrillos. Stefanics is married to lobbyist Linda Siegle.

Stefanics in 2020 wrote a letter soliciting campaign contributions from any other lobbyists she could locate. Lobbyists already have more access to lawmakers than ordinary New Mexico residents. Stefanics made sure they received additional opportunities to meet her.

As for Maestas, he refused to disqualify himself from voting on the lottery bill. He told me it would only have encouraged other companies to hire his wife so they could overrule his vote. He said his position had been endorsed by the National Conference of State Legislatures.

Even if this organization took such a position, so what? The National Conference of State Legislatures is an organization of politicians. It does not represent the interests of New Mexico residents.

Maestas did not respond to requests for comment for this column. He lined up to receive the Senate nomination. Everyone knew Senator Jacob Candelaria would step down from his District 26 seat before the winter break. The nomination is in the hands of Bernalillo County commissioners and Maestas has ties to the group.

The job could be wired for him. It shouldn’t be. A member of the House with a conflict does not deserve a better place in the Senate.

I say that the Senate had better not do it because it works harder or smarter than the House. The advantage is that terms in the Senate are four years. Members of the Chamber are elected every two years. It is also easier to ascend to the Senate of 42 members than to the Chamber, a chamber of 70.

Maestas, a lawyer, calls his practice Moe Justice Law. As far as this date goes, No Moe will do.

Ringside Seat is an opinion column about people, politics and current affairs. Contact Milan Simonich at msimonich@sfnewmexican.com or 505-986-3080.

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THE SCOOP: The changing “unsustainable” housing market | Business weekly https://uncharted3blog.com/the-scoop-the-changing-unsustainable-housing-market-business-weekly/ Wed, 19 Oct 2022 07:00:00 +0000 https://uncharted3blog.com/the-scoop-the-changing-unsustainable-housing-market-business-weekly/ People like to put economic gains and struggles in a political context, but in reality government has little to do with either. While they can create welcoming environments with low taxes, discount programs, and other incentives, consumers and leaders determine how well things turn out. One possible exception is the US Federal Reserve, whose interest […]]]>

People like to put economic gains and struggles in a political context, but in reality government has little to do with either. While they can create welcoming environments with low taxes, discount programs, and other incentives, consumers and leaders determine how well things turn out.

One possible exception is the US Federal Reserve, whose interest rate decisions affect every facet of our financial lives. This is evident in the Brazoria County housing market, which is going from white-hot to smoldering.

That was one of the dominant messages at last week’s state of the economy luncheon hosted by the Economic Development Alliance for Brazoria County. In addition to regular data briefings from Donald Payne Jr., a panel including JoBeth Prochaska of commercial developer Weitzman, residential real estate specialist Josie LaChance of Birdsong Real Estate and Josh Brian, Brazoria County Market President for TDECU , discussed the current environment. .

The magnitude of the effect of Fed interest rate hikes in curbing inflation extended to all three of their businesses. Making it more expensive to borrow money inhibits business expansion, the cost of building major developments such as Weitzman’s downtown Manvel increases and prevents families from being able to buy new homes. It all depends on the loans to happen.

“For us, interest rates are scary. It’s not catastrophic, but it’s scary right now,” Brian said. “A lot of bankers and a lot of borrowers haven’t seen rates go up. We see a lot of things related to some sort of index. We don’t see a lot of fixed rate products being offered.

“Banks are trying to protect their balance sheets right now. You ask any banker, and it is. Liquidity is key right now. Going out to borrow money right now is extremely expensive Getting that 4 or 5% business loan just isn’t available right now.

While the cooling of the housing market is a consequence of rising interest rates – the average cost of a conventional 30-year fixed rate mortgage in Texas last week was 7.684%, about double from its level at the start of the year – it is also caused by the unprecedented periods in which the Fed has kept its benchmark rate below 0.25%.

This made it easier to borrow and people could afford more homes, driving up house prices and making it a lopsided market in favor of sellers, LaChance said. This is no longer the case now, as the market has moved closer to equilibrium.

“Q3 has slowed down a bit. Inventory has grown a lot,” she said, adding that inventory is around three months away. “Most economic real estate professionals would say a balanced market is between three and four months, so I think it’s good for buyers and sellers. Sellers still get the best price – our average sale, even in Q3, is still higher than it was, but we have more inventory, so buyers have more options. There is still some negotiation going on.

Prochaska expects retail growth to be strong, especially in the southern part of Brazoria County, even as it becomes more expensive to build and open a new storefront.

“If you look at the huge growth that’s happened in Brazoria County, there’s inevitably a retail shortage here,” she said. “You look at housing growth, you look at what’s been done, you look at volumes in Pearland, volumes in Lake Jackson and Clute, you just see there’s a real need for more retail. We are very optimistic.

This optimism is rooted in the reality that people still want to move to Brazoria County, and educating them about today’s economy will be part of a winning strategy.

“People are going to have to make adjustments,” LaChance said. “I’m going to call the last two years with these really low interest rates the exception to the rule. It was not the norm. I think we’re really balancing out more, and I’m glad we’re still in single digits.

“We only talk a lot about interest rates, but there is much more than that. When you compare a $300,000 house to a $500,000 house, maybe they can’t afford the $500,000 monthly payment anymore. Maybe they need to save more money. Maybe they’re buying a house for $300,000 or $350,000. … I don’t think the interest rate is going to stop people from moving.

Thinking about buying a $350,000 home may seem out of reach for many people, but that’s the reality in the county right now, LaChance said. Sharing data compiled by Alamo Title, the average selling price of a home in the county has jumped from $245,000 in 2017 to $353,000 now, a jump of 45%. In the last year alone they have increased by about 10%.

And it’s not all about inflation — it’s about demand.

“I think for the past two years people were just moving for fun,” LaChance said. “I think they were cashing in their principal quickly and transitioning without adjusting the payment.”

That said, continuing on this path was “unsustainable,” she said.

Payne’s presentation included a cold truth that even a vibrant region like Brazoria County is not immune to inflationary pressures. Data shows economic growth has slowed over the past three months, putting the county halfway to meeting the definition of a recession.

“There are a lot of challenges right now for the economy and for inflation; it’s unlike any previous periods of inflation,” Payne said.

“I don’t expect to see the inflation rate come down anytime soon because of all this uncertainty we have,” he said.

These uncertainties include the war in Ukraine affecting supply chains and energy prices, OPEC’s decision to cut oil production by 2 million barrels per day, and the aftermath of COVID still unwinding.

Inflation was 9.5% in the Houston-Galveston-Brazoria area, he said, which is just a little higher than the national rate. The positive of this is reflected in sales tax revenues for the county and its communities – higher prices mean the amount of tax paid increases.

“We’re back to just above where we were before COVID,” Payne said.

What should be noted is that while the economy is slowing down, it is from peak conditions. The number of hotels and motels is down, but this is a record high in 2021. Building permits fell from record highs in February and March, but are at the 10-year average , said Payne. Employment is on the rise, with 7,000 jobs added last year and 28,000 post-COVID.

Payne did his best not to be “pessimistic”. The numbers confirm a mindset that economic conditions in the county are far from dire. The data shows economic strength, but a decline from levels so supercharged they simply could not be sustained.

Doppio, the new coffee and energy drink company we told you about a few weeks ago, is ready for a soft opening at the end of the week. Its official opening is scheduled for Monday. A few scraps of paperwork and final inspections prevent locals from getting delicious coffees quickly.

Created by Lake Jackson volunteer firefighter Brandon Gee, it will be opposite Bahama Buck’s in the small mall across from the Kroger store in the Woodshore Mall near Discount Tire.

People took notice when IBC Bank closed its branches in Brazoria County, leaving only ATMs and a website to serve customers locally. What then becomes of its old annex buildings?

In Lake Jackson, it’s been sold and should have a new occupant by the end of the year, deputy town manager Meagan Borth tells me. Great American Mortgage will call the building at 212 That Way.

A company called TKRE Freeport LLC purchased the old Freeport branch – which could use a new Google photo since the one that appears makes the place quite overgrown – in August 2021. We couldn’t find any information on TKRE, and we haven’t heard from Freeport officials about any news about what might be happening there. It’s a high profile place, so hopefully it has a new business lined up.

Yes, it’s time for another out-of-town excursion, which means The Scoop will be taking some time off next week. We hope to feature a story about a Damon business that reversed its decision days after announcing its closure due to customer outcry. Thanks to Susan Avera Holt for picking up this story.

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How Social Security works and what you need to know about its future https://uncharted3blog.com/how-social-security-works-and-what-you-need-to-know-about-its-future/ Thu, 13 Oct 2022 14:44:00 +0000 https://uncharted3blog.com/how-social-security-works-and-what-you-need-to-know-about-its-future/ NEW YORK (AP) — Tens of millions of older Americans will see a big boost to their benefits in January when a new cost-of-living adjustment (or COLA) is added to Social Security payments. The 8.7% increase is intended to help them cope with higher prices for food, fuel and other goods and services. The average […]]]>

NEW YORK (AP) — Tens of millions of older Americans will see a big boost to their benefits in January when a new cost-of-living adjustment (or COLA) is added to Social Security payments.

The 8.7% increase is intended to help them cope with higher prices for food, fuel and other goods and services. The average recipient will see an increase of more than $140 per month, according to government estimates.

You can read more about the cost of living adjustment here.

But what does this increase mean for the fund that helps pay Social Security benefits? And what should the younger generations keep in mind? Here are some as to some Qs.

HOW DOES SOCIAL SECURITY WORK?

When you work, part of your taxes funds Social Security. The government uses taxpayers’ money to pay benefits to people who have already retired, people with disabilities, survivors of deceased workers and dependents of beneficiaries.

While the money is used to pay people currently receiving benefits, any unused money goes to the Social Security trust fund. When you retire, social security contributions from working people, along with money from the fund, will pay monthly benefits to you and your family.

To determine the Social Security benefits you will receive, the government calculates a percentage of your highest earnings during your best 35 years of earnings and takes into account when you choose to start collecting benefits. This year, the maximum benefit allowed for someone who retired at full retirement age, which is 66 or 67 depending on the year you were born, is $3,345 per month.

WHEN DID SOCIAL SECURITY START?

The Social Security Act was signed by President Franklin Delano Roosevelt in August 1935. Taxes were first collected in January 1937 and the first lump sum payments were made that month. Regular monthly benefits began in January 1940.

The Social Security Act of 1935 was originally called the Economic Security Act, but the title was changed during the consideration of the bill by Congress.

IS THE TRUST FUND LACK OF MONEY?

Future problems with the fund have long been predicted, largely due to changing demographics. As birth rates decline, fewer people become workers, leading to fewer payroll tax payments. Meanwhile, more baby boomers are retiring and collecting Social Security.

According to the latest report from Social Security and Medicare administrators, released in June, the fund will no longer be able to pay full benefits from 2035.

When the Social Security trust fund runs out, the government will still be able to pay 80% of scheduled benefits for the indefinite future, the report said, while Medicare may pay closer to 90% of scheduled benefits. This means that if nothing changes, future generations can expect to see a general 20% reduction in payments, with a 10% reduction in Medicare coverage.

WILL A BIG COLA INCREASE AFFECT THE FUTURE OF THE FUND?

Kathleen Romig, director of Social Security and disability policy at the Center on Budget and Policy Priorities, a nonpartisan but generally left-leaning think tank, said the COLA increase “just isn’t a game-changer. for social security”.

“It’s not something that should alarm anyone,” she said. “A year or two of inflation will not change the long-term situation.”

Romig noted that the expected date when Social Security will no longer be able to pay full benefits has historically fluctuated between 2033 and 2035 from year to year, due to a variety of factors.

William Arnone, CEO of the National Social Insurance Academy, warns that “the two economic enemies of the trust fund are high inflation and low employment, which means not only high unemployment but also low wages”.

“When they hit together, it’s a double whammy,” he said.

In this context, a high cost-of-living adjustment can be “bad for the trust fund, but good for the beneficiaries”.

HOW DO YOUNG PEOPLE THINK ABOUT SOCIAL SECURITY?

Ben Storey, senior product manager with Bank of America’s retirement research and insights team, said many people in their 20s and 30s have a misplaced lack of confidence in their future. social Security.

“What I hear from a lot of the younger generation is that they really feel like it just won’t be there,” he said. “They see the headlines without reading the whole story. Even if (the government does not make) any changes, they will still receive about 75% of these benefits.

Still, Storey said it’s prudent for young people to contribute to retirement and traditional savings vehicles, such as 401(k), IRAs and Roth IRAs.

“Social Security will only be one piece of the puzzle,” he said.

Storey acknowledged that the same inflation behind the cost-of-living adjustment for Social Security makes saving more difficult for people in this age bracket, who also frequently face student loans, debts and savings for an emergency fund or down payment on a home.

WHAT IS BEING DONE TO GUARANTEE THE FUTURE OF SOCIAL SECURITY?

Republicans and Democrats have offered a variety of policy fixes.

Romig, of the Center on Budget and Policy Priorities, said the last time legislation was passed to address the future of Social Security was in 1983.

“It was bipartisan, and it was a compromise,” she said. “Benefit cuts and tax increases.”

Each solution, according to Romig, involves “paying more or getting less,” or a combination. “You can’t wish to get out of this. »

“Legislators have many policy options that would reduce or eliminate long-term Social Security funding shortfalls,” the fund’s trustees wrote in the latest June report. “Acting as soon as possible will allow a wider range of solutions to be considered and allow more time to phase in changes so that the public has enough time to prepare.”

That said, Romig wants young people to better understand the system, including the fact that Social Security isn’t going anywhere.

“Almost everyone is affected by Social Security,” she said. “Either they contribute to it, or they receive benefits, or they will one day.”

“I think young people have an extraordinarily strong stake in the system,” she added.

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