Catmanvideos25

Deliciously Crazy

[Jason Bassler @JasonBassler1]

"We have cameras everywhere in that town and you cannot get a breath of fresh air without us knowing"

When police are admitting this out loud, it's time to admit the cage isn’t coming, we're already inside it.

[JOKAMRREDPILLZ @JOKAQARMY1]

Surveillance Firm feels unsafe when filmed 🎥 😑.

[JOKAMRREDPILLZ @JOKAQARMY1]

We are not safe at all. Our freedom is being taken away one step at a time everyday.

[Matt The Welder @Matt_The_Welder]

🚨 Florida’s waterways are being sprayed with herbicides by government agencies, including FWC, and many voters have serious questions.

This is exactly the kind of issue that should have been discussed in a Republican primary debate. Instead, @EvanPower and the @FloridaGOP changed the rules and canceled debates.

What are they afraid of?

🎥 Watch the video below, and tag the Florida governor candidate you support in the comments. Let’s see who is willing to address this issue.

[Wall Street Apes @WallStreetApes]

There is a new scam going on in this home inspection industry

- Large corporations are buying up all the small home inspection companies
- They don’t care about making money off inspecting homes, they want the data

Why? This is where it gets borderline criminal

Home inspections are supposed to be confidential, but what they’re doing is buying all the companies to own the data

Then they are going to sell that data to insurance companies and lenders

Now with this new information the insurance company finds out, they're going to start charging you $3,000 (or whatever) extra a year to insure that house

Here’s what I’ve found

Large corporations and private equity firms are aggressively consolidating the home inspection industry primarily by buying inspection software platforms like Spectora, HomeGauge and larger inspection companies

A home inspection report contains highly detailed property specific information like roof age and condition, electrical and plumbing issues, foundation problems, HVAC status, environmental hazards

This is extremely valuable for:

- Insurance companies (risk assessment and underwriting).
- Lenders (property valuation and loan risk).
- Home warranty providers, contractors, and data brokers

Home inspections are supposed to be confidential between the buyer, inspector, and sometimes the real estate parties.

However, many inspection software companies’ terms of service allow data aggregation and sharing

That’s the loophole they found. That’s the scam

[TheCompany™️©️ @The_Real_Yay]

Drake is Fake! 🤧🤡 #RIP #MacDre ✊🏾🕊️

[Giovanni @miabenetti]

FLORIDA PLEASE PAY ATTENTION

[Catmanvideos25 @Cryptonics2021]

OMG THE A-TEAM VAN SPOTTED AT A REST STOP IN THE POCONOS

[Wall Street Apes @WallStreetApes]

The government is preparing to seize homes and land using eminent domain for the construction of a Data Center in Coweta County, Georgia

This American’s childhood home is being “taken by force by Georgia Power. Homeowners in this county do not have a choice”

It affects over 330 private properties. Georgia Power says it will negotiate purchases and easements and use eminent domain

Georgia Power claims its to strengthen the grid for the growing energy demand in Georgia (due to many new data centers)

The lines are widely linked to Project Sail, a massive proposed hyperscale data center campus that will span 829 acres

[Catmanvideos25 @Cryptonics2021]

@benjamincowen Congratulations!

[Catmanvideos25 @Cryptonics2021]

Happy Mothers Day … without you there is no us 🫶🏼❤️

[Mario Nawfal @MarioNawfal]

🇺🇸🇨🇦 Canadian shark Kevin O'Leary just got a 40k-acre data center approved in Utah.

That's 62 square miles! 2.5x the size of Manhattan!

Residents overwhelmingly showed up to oppose it. Officials approved anyway.

Remember, elections have consequences.

[TaraBull @TaraBull]

New conspiracy theory unlocked 🔑

[Catmanvideos25 @Cryptonics2021]

Crazy Hooman, Lost His Mind! After Too Much Catnip 👀😳😂 #cat #tiger #catf... https://t.co/b1V1u5Cu3l via @YouTube

[Defiant L’s @DefiantLs]

“Chemotherapy is the only class of drugs in the United States where the doctor is allowed to make a cut.”

“The last study I read said that the average oncologist in the United States makes 55% of their income on chemotherapy drugs that they sell.

[Catmanvideos25 @Cryptonics2021]

THE WIFE RIDING ON A DONKEY IN GREECE https://t.co/wErYfq82Hk via @YouTube

[hunter @hxxntrr]

You're about to finance that car at 7.9% interest. Stop

The dealership already got you approved at 3.1%. They're keeping the difference

It's called dealer reserve. The bank sends the dealership an approval at one rate. The dealership marks it up 1-4 percentage points and pockets the spread

They don't tell you the real rate. They tell you the marked up rate and act like they did you a favor getting you "approved"

On a $35K car loan at 7.9% over 72 months you'll pay about $9K in interest

At the real rate of 3.1%? About $3,400

The dealership just made $6K off your ignorance. On top of the car price. On top of the doc fee. On top of the warranty they pressured you into

"but i already signed"

Doesn't matter. You can refinance within 48 hours of driving off the lot

Most people don't know this because the dealership sure as shit isn't going to tell you

The play:

Step 1: Before you walk into any dealership, get pre-approved at your own bank or credit union. Not for their rate. For YOUR rate

A credit union will typically beat a dealership rate by 1.5-3 points because they don't need to mark it up for a middleman

Step 2: When the finance manager shows you their rate, say this: "I've been pre-approved at [your rate]. Can you match or beat it?"

80% of the time they'll magically "find" a lower rate. Because the lower rate existed the whole time. They were just hoping you wouldn't ask

Step 3: If you already financed through the dealer, refinance immediately. Go to your credit union or use an online lender

You can refinance a car loan the day after you buy it. There's no waiting period. No penalty. The new lender pays off the old loan and you start fresh at the real rate

"won't refinancing hurt my credit?"

One hard inquiry. 5-10 points. Temporary. You save $3K-$8K in interest

Step 4: Check for dealer markup language in your contract. Look for "annual percentage rate" and compare it to the "buy rate" which is the rate the lender actually approved you at

Some states require dealers to disclose the buy rate. If yours doesn't, file a complaint with the CFPB

Dealers marking up rates by more than 2.5 points without disclosure have been hit with class action lawsuits. The CFPB fined Ally Financial $98 million for discriminatory dealer markups in 2013. Fifth Third Bank paid $18 million

Step 5: Negotiate the rate SEPARATELY from the car price

Dealers love to combine everything into one monthly payment number so you lose track of what you're actually paying. "We can get you to $485 a month" means nothing

What's the purchase price. What's the interest rate. What's the term length. Demand each number separately

When they lump everything together they're hiding the markup inside the monthly payment

$35K car at 3.1%: about $3,400 in total interest
Same car at 6%: about $6,500
Same car at 8%: about $9K
Same car at 10%: about $12K

Same car. Same person. Same credit score. The only variable is whether you walked in with a pre-approval or walked in blind

A client came to us with a $42K truck financed at 11.4%. His credit score was 695. That's not an 11.4% score

We got him pre-approved at 4.8% through a credit union and refinanced 3 days later. Saved $14K in total interest over the life of the loan. Took 20 minutes

The finance office at a dealership is where they make more money than on the car itself. The car might make them $500-$2K in profit. The finance office makes them $3K-$8K through rate markups, extended warranties, gap insurance, and paint protection you didn't ask for

The entire room is designed to confuse you. They slide papers fast. They talk in monthly payments instead of total cost. They add products you never requested and bury them in the contract

Same person. Same credit score. One walked in pre-approved. The other didn't. $14K difference on the same truck

(i fix credit scores in 30-90 days so you qualify for rates that actually match your score. link in bio)

[Catmanvideos25 @Cryptonics2021]

Good morning from KUKA MANGA CHANNEL 😂😂😂 https://t.co/fK18rI2cVP via @YouTube

[Catmanvideos25 @Cryptonics2021]

#NewProfilePic

[Catmanvideos25 @Cryptonics2021]

I was taking a long drive the other day and was pondering which came first like the chicken and the egg but for politics was it us the Liberals or Conservatives…. Enlightenment me X.