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#Bank Statement Loans Arizona
blue-raven-group · 1 year
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How Bank Statement Loans Evaluate Income for Approval?
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Navigating the world of loans can be daunting. With countless options, terminologies, and processes, finding the right loan that suits your needs can feel overwhelming. Traditional loans might be popular, but they're not always a fit for everyone, especially those with non-standard income sources. Enter the realm of bank statement loans in Florida and beyond—a refreshing alternative that offers a simpler yet different approach to loan approval. This type of loan has become increasingly popular, especially for those whose earnings don't fit into neat boxes. In this article, we'll shed light on the intriguing way bank statement loan in California and everywhere else assess income, simplifying the intricate details for a clear understanding.
What Are Bank Statement Loans?
Bank statement loans are a type of home loan where lenders primarily use bank statements to assess an applicant's income instead of traditional income documentation like pay stubs or tax returns. These loans are especially useful for self-employed individuals, freelancers, or those who have non-traditional income sources, as their earnings may not be as consistent or easily verified as salaried employees.
The Evaluation Process
● Review of Deposits: Lenders closely scrutinize the deposits in your bank account. They aim to establish a pattern of regular income. For instance, if you're a freelancer, you might have varying amounts deposited at different times. To determine your monthly income, lenders will average out these deposits over a specified period.
● Examination of Expense Outflows: While the primary focus is on deposits, looking at outgoing expenses is crucial. This provides lenders with a clearer picture of an individual's net income. Large or recurring withdrawals may be queried to better understand the borrower's spending habits.
● Length of Evaluation Period: Typically, lenders review bank statements from the past 12 to 24 months. This extended review period helps lenders accurately assess an applicant's income, especially if it fluctuates seasonally.
● Consistency is Key: Consistency in your bank statements can boost your chances of approval. If lenders spot regular income deposits, even if the amounts vary, it demonstrates financial stability.
Advantages of Bank Statement Loans
● Flexibility: These loans cater to those with non-traditional income streams, offering more flexibility than conventional loans. This means that where traditional loans might shut the door, bank statement loan in Florida or elsewhere often keep it open.
● Less Paperwork: Without the need for extensive documentation like W2s or tax returns, the application process can be smoother and quicker. This reduction in paperwork can be a boon for many, reducing stress and making the loan process feel less burdensome.
● Tailored for Self-employed: Freelancers and business owners often find bank statement mortgages in Florida or wherever you live to be a favourable option as they take into account their unique financial profiles. This specificity ensures that their income, which might be seen as 'irregular' by other lenders, is understood and appreciated in its entirety.
Conclusion
Bank statement loans have revolutionized the lending landscape, offering hope for those with unconventional income patterns. The focus on bank deposits and outflows and a comprehensive review period allows lenders to better understand an applicant's financial health. Therefore, seeking expert guidance is essential if you're considering this route. Experts at Blue Raven Group specialize in providing tailored solutions that fit your financial needs. Remember, the right advice can make all the difference in navigating the world of bank statement loans.
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mariacallous · 1 year
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oh hey you're a bitch who cares about Michigan,
https://www.detroitnews.com/story/news/politics/2023/09/29/michigan-republican-party-faces-financial-turmoil-bank-records-show/71003017007/
the Michigan GOP is broke as hell and is robbing their federal election account to pay the light bill and shit.
Lansing — The Michigan Republican Party had about $35,000 in its bank accounts in August, according to internal records that flash new warning signs about the dire state of the GOP's finances and raise questions about whether the organization is complying with campaign finance laws.
The documents, obtained by The Detroit News, cover from February when party Chairwoman Kristina Karamo took office through Aug. 10, about six weeks before the party's Mackinac Republican Leadership Conference and about five months into Karamo's term.
The party has regularly transferred money from an account that's usually focused on federal elections to other accounts to afford expenses, according to the records. And earlier this year, Karamo's 2022 secretary of state campaign loaned the party's federal account $15,000 after that account's balance turned negative. The transaction wasn't reported in disclosures from the campaign or the party's federal committee.
A listing of Michigan Republican Party account balances from West Michigan Community Bank showed $35,051 across seven accounts, with expenses for many of the scheduled speakers at the Sept. 22-24 conference on Mackinac Island not yet paid, including author Dinesh D'Souza and unsuccessful former Arizona candidate for governor Kari Lake.
At this point, 13 months before a presidential election, the Michigan Republican Party should have about $10 million in its accounts, said Tom Leonard, a former Michigan House speaker and former finance chairman for the state GOP.
The party had less than 1% of the $10 million target.
"These numbers demonstrate that the party isn't just broke, but broken," Leonard said. "Given (Democratic President) Joe Biden's unpopularity, Republicans can still have a successful cycle, but it's clear they won't be able to rely on the Michigan Republican Party."
Karamo and a Michigan Republican Party spokesman didn't respond to requests for comment for this story.
But the severe financial problems and Karamo's handling of them helped prompt Warren Carpenter, a businessman and former chairman of the 9th Congressional District's Republican committee, to issue a statement, emphasizing that he had no "formal involvement" in the Mackinac conference.
With only two weeks before the conference, Karamo's team had asked Carpenter, a former Karamo supporter and donor from Oakland County, to help with the event, which traditionally costs about $700,000 to put on.
At that time, Carpenter said he was told the party had $30,000 in its accounts but still had to pay Lake $20,000 for speaking, pay D'Souza $28,000 and repay a loan of $110,000 for actor Jim Caviezel's speaking fee. Carpenter said he advised party leaders to cut D'Souza from the lineup to save money.
Carpenter said his principles eventually inspired him to not want to be involved in the conference.
"After consulting extensively with my attorney, I have been strongly advised to cease all communications and interactions with the team leading the Mackinac Leadership Conference," Carpenter wrote in a statement to GOP leaders. "This decision stems from the unsettling possibility of how the Mackinac Leadership Conference is being administered could result in both personal and legal repercussions."
Carpenter resigned as chairman of the 9th District committee on Tuesday.
'Significant challenges'
D'Souza ultimately didn't appear at the conference after the party sent out an email promoting him as a speaker as recently as Sept. 17, five days before the gathering on Mackinac Island began.
Also, D'Souza was still listed as one of the speakers on the party's website on Friday, five days after the conference ended and he didn't participate. Regular attendees had to pay $125 to $275 to register for the event, a price that didn't include the cost of a hotel on Mackinac Island.
During the conference, Dan Hartman, the Michigan Republican Party's general counsel, said he couldn't say why D'Souza didn't show up at the event.
As for the party's finances, the Michigan GOP had previously been primarily funded by 17 people or organizations, Hartman said. The party is in a state of transition, and the past leaders had thrown up "significant challenges" for the new grassroots-driven team, he added.
"Now, what's happened is it's rank-and-file and volunteers," Hartman said of the party's new leadership.
Michigan GOP delegates elected Karamo, a favorite among the grassroots wing of the party, chairwoman in February. While past chairs have been former elected officials and business leaders, Karamo is a former educator from Oak Park who lost a race for secretary of state by 14 percentage points to Democratic incumbent Jocelyn Benson in November. Plus, Karamo has been openly critical of some of the state's largest GOP donors.
Asked about the party's finances on Sept. 23, Hartman referred a Detroit News reporter to the state GOP's budget committee, but he said the party had the money it needed to get by. Dan Bonamie, chairman of the budget committee, refused to answer questions that same day when approached by the reporter inside the Grand Hotel.
During a closed-door state committee meeting on Sunday, the final day of the Mackinac conference, Karamo spoke about the health of the Michigan Republican Party's finances, according to a recording of the meeting obtained by The News.
"The party is not going bankrupt," Karamo told state committee members.
Murky finances
In July, Bonamie informed other Republicans at a meeting in Clare the party had about $93,000 in its bank accounts and was working on paying outstanding debt, according to a recording previously obtained by The News.
It's not clear in the bank records, which cover accounts launched by Karamo's team, how much debt remains. But the records do show about $90,000 in the accounts in early July when Bonamie gave his report.
In March, just after she became chairman in February, Karamo told a group the party had $460,000 in debt from the past leadership team.
Having debt is not unusual for the state GOP after a competitive election. But what is unusual, according to longtime Michigan Republicans, is the struggle the party in a key battleground state is having collecting money.
The bank documents show that multiple Michigan Republican Party accounts have fallen into the red at points this year, and Karamo's leadership team has frequently transferred money from one account to another to meet obligations.
In the past, the party has used its "administrative" account, which can raise money from corporate donors in secret, to fund the Mackinac conference, according to campaign finance disclosures. But this year, the party used its federal campaign account, which is usually focused on races for federal offices, such as Congress and president, and has to disclose its donors, according to campaign finance disclosures.
The biggest deposit in the "administrative" account this year was $10,007 on July 8, according to the bank records, which don't show where the money came from. The account's balance hasn't reached above $16,000, according to the records.
Ahead of the 2021 Mackinac conference, there were significant six-figure corporate sponsorships, former Michigan Republican Party Executive Director Jason Roe previously told The News.
Across April and May, the party's federal account paid the Grand Hotel $109,496 for the conference. The party disclosed the payments in federal campaign finance reports.
By Aug. 9, the party's federal account had a balance of $44,329, according to the bank records. But on Aug. 10, the party's federal account paid the Grand Hotel another $65,854, temporarily putting the account's balance at -$21,524, according to the records.
The party received $31,980 that same day from an unlisted source, pushing the account balance back up to about $11,000 on Aug. 10, according to bank records.
Moving money
The party's state bank account, which is usually focused on state-level races, had about $5,256 remaining as of Aug. 10, according to the bank records.
The account would be the one the party uses next year to get involved in campaigns for control of the state House. Currently, Democrats hold a narrow 56-54 seat majority in the chamber. Every seat will be on the ballot in 2024.
The Michigan GOP's state account had a negative balance as recently as June 14, according to the records. But the party quickly transferred $7,400 from the federal account to the state account, giving it a positive balance of $6,683.
Overall, the Michigan Republican Party transferred $31,400 from the federal account to the state account from April 12 through Aug. 10, the records show. Other than the transfers, the largest deposit in the account over the period was $250, the records show, indicating the party's fundraising is primarily happening through the federal account and then money is being moved elsewhere.
Karamo's "chair" account has received $11,400 in transfers from the federal account, according to the records.
The transfers from the federal account to other state party accounts don't appear to be detailed in the Michigan Republican Party's federal campaign finance disclosures.
As of June 30, the Michigan Republican Party reported its federal fundraising committee had $146,931 cash on hand. The bank records showed the federal bank account had about $66,278 at that point.
Using money in a federal party account for expenditures that wouldn't require reporting under federal law because they weren't related to federal politics would be an accounting "nightmare," said Mark Brewer, an elections lawyer and former chairman of the Michigan Democratic Party.
"You just risk breaking the law every time you do something like that," Brewer said of having to track financial totals while moving money in and out of the account.
In July, the Federal Election Commission asked the Michigan Republican Party why its financial tallies for the federal committee appeared to be incorrect. On Sept. 11, the party said it was working to address the question.
The Michigan Republican Party told the commission it "has gone through a series of administration transitions this year."
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homeloanprovider · 6 months
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Ranking the Best Mortgage Brokers in the State
Arizona's real estate market is booming, with more people looking to buy homes than ever before. However, navigating the complex world of mortgages can be daunting. That's where mortgage brokers come in. These professionals act as intermediaries between borrowers and lenders, helping you find the best loan options for your needs. In this article, we'll explore the role of mortgage brokers in Arizona and highlight some of the best brokers in the state.
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Understanding the Role of Mortgage Brokers
The Best Mortgage Brokers Arizona are professionals who help borrowers find the right mortgage products and lenders for their needs. These brokers work with a variety of lenders to offer borrowers a range of options and help them navigate the mortgage process from application to closing. Mortgage brokers play a crucial role in the home buying process. Unlike loan officers who work for a specific lender, brokers work independently and have access to a wide range of lenders and loan products. This means they can shop around on your behalf to find the best loan terms and interest rates. Additionally, brokers can help you navigate the often complex mortgage application process, ensuring you meet all the necessary requirements.
Read more - Mortgage and Refinance Rates in Arizona
Criteria for Selecting the Best Mortgage Brokers
When choosing a mortgage broker, it's essential to consider several key factors:
Experience and Reputation: Look for brokers with a proven track record of success and positive reviews from past clients. Experience matters when it comes to navigating the intricacies of the mortgage market.
Range of Lenders and Loan Options: The best mortgage brokers in Arizona will have access to a diverse array of lenders and loan products, ensuring that you have options tailored to your specific needs.
Customer Service: A broker's level of customer service can make a significant difference in your mortgage experience. Seek out brokers who prioritize communication, transparency, and responsiveness.
Fees and Costs: Understand the fee structure of any broker you're considering. While some brokers charge upfront fees, others earn their commission from lenders. This refers to a company that provides mortgages or home loans to individuals looking to purchase a home in Arizona. Home Mortgage Company in Arizona offer a variety of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages, and government-backed loans like FHA or VA loans. Make sure you're comfortable with the costs involved before committing to a broker.
Tips for Working with a Mortgage Broker
When working with a mortgage broker, it's important to be prepared. Have all your financial documents ready, including pay stubs, tax returns, and bank statements. Additionally, be honest about your financial situation and goals. This will help your broker find the best loan options for you.This refers to a company that provides mortgages or home loans to individuals looking to purchase a home in Arizona. Home Mortgage Company in Arizona offer a variety of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages, and government-backed loans like FHA or VA loans. 
Finally, stay in communication with your broker throughout the process. This will ensure that everything goes smoothly and that you're able to close on your loan on time.
Finding the right mortgage broker in Arizona can make all the difference when buying a home. By following the tips outlined in this article and choosing one of the top brokers in the state, you can streamline the home buying process and secure the best loan terms possible. Contact a reputable broker today to start your journey towards homeownership in Arizona.
Frequently Asked Questions
1. What is a mortgage broker, and how do they differ from lenders?
A mortgage broker is a licensed professional who acts as an intermediary between borrowers and lenders. Unlike lenders, who provide loans directly to borrowers, mortgage brokers work with multiple lenders to find the best loan options for their clients.
3. Why should I use a mortgage broker instead of going directly to a bank?
Mortgage brokers can shop around on your behalf to find the best loan terms and interest rates from multiple lenders, saving you time and potentially money.
4. What criteria should I consider when choosing a mortgage broker?
Look for a broker with experience in the Arizona real estate market, a strong network of lenders, positive client testimonials, and all necessary licensing and certification.
5. How do mortgage brokers get paid?
Mortgage brokers typically receive a commission from the lender once the loan is closed. This commission is usually a percentage of the loan amount.
6. How long does the mortgage process typically take when working with a broker?
The timeline for the mortgage process can vary depending on factors such as the complexity of your financial situation and the lender's requirements. A mortgage broker can provide a more accurate estimate based on your specific circumstances.
7. Are there any advantages to using a local mortgage broker in Arizona?
Working with a local mortgage broker can offer several benefits, including their familiarity with the local market and regulations, personalized service, and the ability to meet face-to-face if desired.
8. Can I use a mortgage broker for refinancing my existing mortgage?
Yes, mortgage brokers can assist with refinancing your existing mortgage. They can help you explore refinancing options to potentially secure a lower interest rate, reduce your monthly payments, or change the terms of your loan.
9. What should I expect during the mortgage application process with a broker?
Your broker will help you gather all necessary documents, submit your application to lenders, and communicate with you throughout the process to ensure everything goes smoothly.
10. How can I find the best mortgage broker in Arizona for my needs?
Research brokers online, ask for recommendations from friends or family, and schedule consultations with potential brokers to discuss your needs and goals.
Get in touch
Website – https://homeloansproviders.com/ Mobile – +91 9212306116 Whatsapp – https://call.whatsapp.com/voice/9rqVJyqSNMhpdFkKPZGYKj Skype – shalabh.mishra Telegram – shalabhmishra Email –  [email protected]
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mortgagedovep · 1 year
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Streamlining Your Home Purchase A Step-by-Step Guide to Securing a Mortgage Loan in Phoenix with Mortgage Dove
In the vibrant real estate market of Phoenix, Arizona, finding the perfect home is just the first step in your journey towards homeownership. Securing a suitable mortgage loan is crucial, and Mortgage Dove is here to guide you through the process. With a commitment to personalized service and a wealth of expertise, Mortgage Dove ensures a seamless experience for all prospective homeowners in the Phoenix area.
Initial Consultation with Mortgage Dove
The journey begins with a comprehensive consultation at Mortgage Dove. Their expert advisors will assess your financial situation, discuss your homeownership goals, and provide tailored advice on the best mortgage options available. This step lays the foundation for a successful mortgage application.
Preparing Your Financial Documentation
To expedite the mortgage approval process, gather essential financial documents such as tax returns, pay stubs, and bank statements. Mortgage Dove's experienced team will review these documents to ensure they meet the criteria for your desired loan.
Exploring Mortgage Options
Mortgage Dove offers a wide range of mortgage products tailored to suit individual needs. Whether you're interested in fixed-rate, adjustable-rate, or FHA loans, their experts will explain the benefits of each option, empowering you to make an informed decision.
Loan Pre-Approval
Once you've chosen the right mortgage product, Mortgage Dove will assist you in obtaining a pre-approval letter. This document demonstrates to sellers that you are a serious and qualified buyer, giving you a competitive edge in the Phoenix real estate market.
Finding Your Dream Home
Armed with your pre-approval letter, embark on the exciting journey of house hunting in Phoenix. With the guidance of knowledgeable real estate professionals, you'll be able to narrow down your options and find the perfect match for your lifestyle and budget.
Finalizing Your Mortgage Application
Once you've chosen your dream home, return to Mortgage Dove to complete the mortgage application process. Their experts will review your application, ensuring accuracy and completeness before submitting it for final approval.
Appraisal and Inspection
To protect your investment, Mortgage Dove will coordinate a thorough appraisal and inspection of your chosen property. This step ensures that the home meets all safety and value standards, giving you peace of mind throughout the process.
Closing the Deal
With all necessary checks complete, Mortgage Dove will guide you through the final steps of the closing process. Their team will work closely with all parties involved to ensure a smooth and timely closing, making your homeownership dream a reality.
Conclusion
Securing a mortgage loan in Phoenix has never been more accessible and stress-free, thanks to Mortgage Dove. Their personalized approach, combined with a wealth of expertise, ensures that every step of the process is executed seamlessly. With Mortgage Dove by your side, you can confidently step into your new home in the vibrant city of Phoenix, Arizona.
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aqqire · 1 year
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From Dream to Reality: Navigating the Hotel Buying Process
Turning your dream of owning a hotel into a reality is an exciting and rewarding journey. With its stunning landscapes, vibrant cities, and a thriving tourism industry, Arizona presents a promising landscape for hotel investments. However, successfully navigating the hotel buying process requires careful planning, market research, and a strategic approach. In this guide, we will walk you through the step-by-step process of turning your dream into reality by acquiring a hotel for sale in Arizona. Discover the key considerations, resources, and strategies needed to embark on a successful hotel ownership venture.
Define Your Vision and Investment Goals: Start by defining your vision for the hotel and clarifying your investment goals. Determine the type of hotel property you wish to acquire, such as a boutique hotel, a resort, or a budget-friendly accommodation. Consider factors like location, target market, amenities, and the level of involvement you desire in the hotel's day-to-day operations. Establishing a clear vision and investment goals will guide your search and help you make informed decisions throughout the process.
Conduct Thorough Market Research: Arizona's diverse attractions, including the Grand Canyon, Sedona's red rocks, and vibrant urban centers, make it an attractive destination for travelers. Conduct thorough market research to identify the most suitable locations and market segments for your hotel investment. Analyze the demand drivers, occupancy rates, average daily rates (ADR), and market trends in different regions of Arizona. Understand the competitive landscape and assess the potential for growth and profitability in your desired area.
Engage Hotel Brokers and Professionals: To navigate the hotel market in Arizona effectively, it is advisable to engage the services of experienced hotel brokers and industry professionals. Collaborating with hotel brokers specializing in Arizona properties will provide you with access to a wider range of opportunities and invaluable market insights. Additionally, work with professionals such as attorneys, accountants, and hotel management consultants who can guide you through the legal, financial, and operational aspects of the acquisition process.
Assess Financial Viability: Evaluating the financial viability of a hotel property is crucial to making an informed investment decision. Analyze the property's financial statements, revenue history, profitability, and key performance indicators (KPIs) such as RevPAR and gross operating profit. Understand the sources of revenue, including room rates, food and beverage, and other ancillary services. Assess the property's expenses, debt obligations, and potential for revenue enhancement to determine its financial feasibility.
Conduct Due Diligence: Performing thorough due diligence is essential before finalizing a hotel purchase. Engage professionals to review legal documents, contracts, licenses, permits, and any potential liabilities associated with the property. Evaluate the physical condition of the hotel, including building inspections, environmental considerations, and compliance with safety regulations. Scrutinize the hotel's reputation, guest reviews, and online presence to gauge customer satisfaction and identify any potential reputational risks.
Secure Financing and Negotiate the Purchase: Securing financing for your hotel acquisition is a crucial step. Explore various financing options, such as traditional bank loans, Small Business Administration (SBA) loans, or private investors. Develop a comprehensive business plan that highlights the hotel's potential for success and demonstrates your ability to repay the loan. Negotiate the purchase price and terms of the transaction, considering market conditions, property valuation, and potential value-add opportunities.
Transition and Operations: After successfully acquiring the hotel property in Arizona, focus on a smooth transition and effective operations. Develop a detailed transition plan that includes staffing considerations, brand or operational changes, marketing strategies, and guest communication. Hire a capable management team or consider engaging a hotel management company to ensure efficient day-to-day operations. Continuously monitor performance, adapt to market changes, and prioritize guest satisfaction to maximize profitability and success.
Acquiring a hotel for sale in Arizona requires careful planning, market research, and strategic decision-making. By defining your vision, conducting thorough market research, engaging hotel brokers and professionals, assessing financial viability, conducting due diligence, securing financing, and prioritizing smooth operations, you can turn your dream of hotel ownership into a reality. With its unique attractions and vibrant tourism industry, Arizona offers an opportunity to create unforgettable experiences for guests while embarking on a rewarding investment journey.
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notebooknebula · 4 years
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Chad McCall  on Finding the Deals! - Real Estate Investing with Jay Conner
https://www.jayconner.com/chad-mccall-on-finding-the-deals-real-estate-investing-with-jay-conner/
Chad McCall was only 14 years old when h purchased his first property.
You can never be too young or too old to start investing, all you need is the right plan and a system to follow. He created the system for anyone looking to build wealth in real estate all you need is the drive to get started!
https://chadmccall.com/ https://www.restrategylab.com/podcast
Real Estate Cashflow Conference: 
https://www.jayconner.com/learnrealestate/
Free Webinar: 
http://bit.ly/jaymoneypodcast
Jay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $64,000 per deal.
#RealEstate #PrivateMoney #FlipYourHouse
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Jay Conner (00:00): Well, hello there. And welcome to another episode of Real Estate Investing with Jay Conner. I’m Jay Conner, your host also known as The Private Money Authority. And I’m so excited, the guests that I have on today’s show, we’re going to be talking about finding deals. You know, that’s the two, one of the two most popular questions that I get as I train and coach other real estate investors. The first question is how do I get money for my deals? The other question is, is how do I find the deals? Well, I’ll be introducing my guest here in just a moment. So you want to be sure to stick around for the entire show, because we’re going to be diving deep on what’s working today on finding the best and most deeply discounted deals. So if you’re new to the show, a very special welcome to you here on the show, we talk about all things that relate to real estate investing.
Jay Conner (01:01): As I said, finding deals, funding deals how to sell houses fast, how to automate the business. So you’re running it, It’s not running you. So we love your feedback. If you haven’t subscribed to our show yet, be sure to like share and subscribe and leave us a five star review if you can. And so, as I said, we talk all things real estate investing. Now, if you’re new to the show, you may not know why it is that I’m known as The Private Money Authority. Well, from 2003 to 2009, I was investing in single family houses here in Eastern North Carolina, January 2009, I got cut off with no notice from the local banks. Well, very quickly I learned about what private money is, and I’m not talking hard money or hard money brokers. I’m talking about doing business with individuals who loan us money from their investment capital or their retirement accounts.
Jay Conner (01:57): That’s a whole another subject right there. So I learned about private money. I was able to attract over $2 million in less than 90 days. And since that time I have not missed out on a deal for not having funding for my deals. Well, if you’re a brand new real estate investor, never done a deal before, or you are a seasoned real estate investor, my guess is you can use some more funding. That’s got nothing to do with your credit, your experience, nothing to do with what you know, it’s got nothing to do with traditional banks or mortgage mortgages or lenders. This is all a different kind of funding. And so I’m got a gift for everybody right here on today’s show. And that is I’m going to give you 33 days of access into The Private Money Academy membership. So, here’s the way this works.
Jay Conner (02:48): I’m live training twice a month, all the Academy members on how to get funding for your deals and all kinds of education is in the membership side as well. So here’s how can take advantage of getting three free days, 30 days for free at www.JayConner.com/Trial. You go on over to that website after the show and sign up for your free access. And I’ll be looking to having you on the next Zoom coaching call. Well, on today’s show, I’ve got a very, very good friend to join me here. And he’s got over 20 years experience on all different kinds of methods on finding deeply discounted houses. Well, he started his real estate investing career all the way back when he was only 14 years old, and he’s also a fellow North Carolinian.
Jay Conner (03:47): I’m here in Eastern North Carolina. He’s from the Western part of the state. Well, he’s been doing real estate full time since 1998. He’s been involved in over 3000 house transactions all across the country. And he has been speaking on stages and five countries with audiences sometimes over 7,000 people. Well, he’s way too young for me to say this next statement, but he’s been retired down in Arizona, all this year. He’s married with two kids, got a 15 year old and a 9 year old. Well, he’s not retired, he’s staying busy. Well, let’s bring him on out of the green room. My good friend, welcome to the show, Mr. Chad McCall. Hello Chad.
Chad McCall (04:33): Hey, Mr. Jay, how are you buddy?
Jay Conner (04:35): Man, I am doing fantastic. And mercy. I see a great big smile on your face does that got anything to do with you just like working whenever you want to these days?
Chad McCall (04:46): Oh my gosh. I think I’ve gotten busier since I was joking around saying, Hey, I’m retiring down to Arizona because of the land of Arizona, from where I came from, I was like, it’s retirement country, but I’ve gotten busier this year. And I’ve only been here since January and Man, 2020. It’s nuts, but it’s gotten busier for me. As you can see, my hair keeps getting more and more gray. Yeah, I’ve got more gray hair than you do, Jay.
Jay Conner (05:09): Hey look, that’s not great. That’s like some beautiful white hair you got going on there Chad. Well hey look, I want everybody to go ahead and know right now. So they stick around to the end of the show. You have got a book. In fact, show them the book that you put together. It’s like a great big coaching manual. It’s a real estate playbook. You got 101 ways to find discounted houses. And we’re going to let everybody know how they can get that book at the end of the show. But in the meantime, I’ve asked you before you came on here to share with us, what are some of the top ways that’s working right here today, this year on finding deeply discounted houses. So I’m going to let you roll with it, Chad, and you know, talk about the different strategies that you want to, and I’ll interrupt when I think it’s the right time to interrupt you.
Chad McCall (06:02): Great, no problem. Well, it kind of started out like years ago, Jay it’s, you know, like you, you talk about money lending and the importance of funding. Well, I started realizing that if I go out there and I start trying to find money to do deals, the guys that had the money, when I started out as a kid, I didn’t have the money. So I was thinking what’s going to really make them want to give me money because who am I? I’m a kid at the time, right? I’m young. I have no it’s really experience. I wasn’t seasoned enough. I wasn’t old enough. I didn’t have this gray hair that gave me instant credibility with these lenders. I was saying, Hey, what’s it going to make that the ability for them to give me money to do a deal? And I kept hearing that they want a better deal.
Chad McCall (06:50): Hey, Chad, we gotta have a good deal. We got to have a really, really good deal. That deal doesn’t look as good. And I was like, well, donor, I need to find good deals. How can I find good deals? I started really thinking about ways to eliminate the middleman, eliminate realtors, a lot of times eliminating other wholesalers, you know, getting down to the, really the bottom of the deal, where you’re talking with homeowners a lot of times, and as I’m going through this journey, that’s where this playbook was really created. So being involved with thousands of transactions with my partner, we scoured the country. We were looking at every possible State, County, City, whatever we could do to find really good deals. And all the strategies came from just experience of doing something, you know, actually applying it. And we started thinking of, do we need the internet?
Chad McCall (07:43): Do we need softwares? Do we need all of these other tools and resources that are out there? Those are all great, but it kept coming back for me to think, as I was doing it, I did it as a kid. I did my first house at 14 years old, the internet wasn’t available back in 1991, you know, there wasn’t Google to go out there and search for a deal to try to find a motivated seller and all these other things you can do online. It was different back then, but the population was still hundreds of millions of people. You’re still talking about 350, some million people probably back then. And so deals were always being done. People were buying and selling and building and rehabbing and doing all that before the internet. So I started thinking about it. I want to put everything I’m doing into a manual or a playbook is what I call it.
Chad McCall (08:30): We’re actually gonna do step by step and try to really understand real estate at its core, which when you start out real estate investigates all about finding a good deal, because I was always going ahead looking for money first sometimes, but then they were like, well, Chad, go get a good deal. I was like, okay. So how would you find the good deals? And then the money started coming. It was a lot easier for me to have conversations with the lenders. And the lenders really started liking me, Jay. And that’s why you’re expert in funding. That’s why I love you so much and get along so well with you and your strategy because you are the money guy for all the cool things that I find in real estate. When I find deals.
Jay Conner (09:06): Before you get into some specific strategies, I’m just really curious. And I know our audiences as well. How do you do a deal when you’re 14 years old? So let’s hear the 14 year old first real estate deal story.
Chad McCall (09:21): Oh, okay. So you guys might. Oh, well, okay. I’ll tell you. So 1991, I was in a car accident. Like you said, Jay I’m from Western, North Carolina, small town, way up there in the mountains. Nowhere between Lenoir and Morganton little town called Gamewell, but it’s pretty much known by Lenoir, North Carolina. And I was in a car accident and long story short, I was in the hospital for a few months. Really, really severe car accident. And I don’t come from a very wealthy family. I come from just a basic family in North Carolina and I got an insurance settlement from the car accident. And my mom and dad got divorced right around that same time. And I took the money from the insurance settlement and I bought my mama house. So a lot of times you hear the stories from people in the South, you know, when their sons are doing something or someone comes across money, it’s just one of those things.
Chad McCall (10:17): What do you do? You buy momma house? It’s kind of a common thing. I’ve got a lot of friends that are athletes and, you know, professional sports players and different things. And they always come to me. They always say I bought momma house. So you know what? I followed right along with it. And I bought momma house, Jay, when I was 14 years old with the money that I got from the insurance. So when I wasn’t old enough to sign on the contract, so my mom was the co-signer for that house. I remember Gamo Heights. A lot of my friends you’ll have people watching this. They’ll remember that same house that I purchased. And it was a HUD home that I ended up buying back then. And that was when I started talking about my first real estate deals where HUD properties.
Jay Conner (10:52): That’s awesome. Okay. Well, I didn’t want to slow down the momentum there, but I just know people want to know how you buying a house at 14 years old. So all right. Back to you.
Chad McCall (11:03): All right. Got it. So I got back to the strategies and saying, how can we break it down to the most basic form of how to get started on the deal? And the strategy started out like 10, 15, 20, then over time, Jay, these are the numbers of ways that we found properties caught up to 101, and this is the revised version of the playbook was at 90 for the longest time. And then we found a little bit more, but I call it Grassroots Real Estate Investing for some reason, it’s kind of a little nickname that I got to because if you can’t go out there and you can’t find a deal with out a computer, then it’s going to be just as hard sometimes to find it with the computer. You don’t know, it’s almost like talking to, you know, having conversations with people too, a lot of strategies are gonna involve human interactions.
Chad McCall (11:49): Some won’t, some are gonna involve computers. Some won’t, some will involve marketing. Some don’t some involve, you know, investments of money into marketing and your business. Some don’t that’s the beauty of it is there’s so many ways you can find deals and it doesn’t matter where you live. Doesn’t matter if you’re on the ocean like Jay, right by the water, right next door to it. Some of the most expensive real estate in the country is by water. Like where you’re at Jay, or you can be in the rural mountains, up in a cabin somewhere. It doesn’t matter where you are, you can do deals. And if you can find a great property, money’s easy and actually profiting in your real estate, investing business, hitting six and seven figures is very easy too if you find the right deals. So I spent my time really honing in on the strategies and the ones that I like.
Chad McCall (12:35): But what’s really interesting is you start to really see the markets shift. You start, when you’re looking and you’re talking to sellers. It’s very interesting when you’re on the ground looking at deals or you’re doing this business virtually. So there’s different strategies, depending on if you’re remote or if it’s in your backyard, but there’s always a strategy for any person, regardless of your money, regardless of your credit, regardless of your location. We have a lot of people, Jay, that are international investors that take the playbook and they’re investing here in the United States and they don’t, they’re never here. They do it all virtually they pick a few strategies and they just stick to it and they use those strategies over and over and over again to do their deals.
Jay Conner (13:16): That’s awesome. You know, there was a popular book, I don’t know, 25 years ago, maybe 30 years ago. You remember when the book Guerrilla Marketing came out?
Chad McCall (13:26): Yeah. Oh yeah. I think I’ve gotten it somewhere. Yeah. It’s over here. It’s all camouflage book. It’s around here in my desk somewhere.
Jay Conner (13:32): Yep. And and I remember that book, and as you were talking, I was thinking, you know, when you used the phrase, grassroots. So, you know, some of the best ways to find deals in my experience has, does not take a lot of money. Right.
Chad McCall (13:50): that’s right.
Jay Conner (13:50): May take some time of your own or time from a team member to do it. But I was just curious and we’re going to find out here, you know, what, you know, what percentage of your hundred and one different ways of finding deals would you say are actually a Grassroots or a Guerilla marketing kind of thing?
Chad McCall (14:10): Oh, a majority of the margin where they don’t really require a lot of money. And I want to take, let me tell you the difference, what I say, money free equals work. Okay. If you’re not going to put money out there into like a marketing budget, which a lot of investors are new, they don’t have marketing budgets, which is okay. But if you’re going to do it that route, it’s going to take a little bit of time and going to take a little bit of work, which if you’re , if you don’t want to work, then you know what, get together a little bit of a budget now, budget, meaning a majority of the strategies, you know, you’re talking $10, $20, $50, $75 or so a month, or over several months, I had a person spend $70 over 90 days in marketing, Jay. And she closed three transactions on $70 of spent.
Chad McCall (14:59): And here only one of them deals that she did, or the three came from the $70 that she spent. So, yeah.
Jay Conner (15:06): I love it.
Chad McCall (15:06): So it doesn’t really matter. One thing, Jay is in the playbook here. I break down the cost of each strategy. I give you how much it’s going to cost you. I tell you affordability and if you can pick the best strategies for you based on your budget. So I’ve taken 101 ways, and I’ve put those all down into 10 different categories. So you can focus on the category and then get inside the specifics of each category and find the right strategy for you.
Jay Conner (15:33): What’s an example of a category?
Chad McCall (15:36): For example, one of the categories here is I call it The Judicial Strategy. Then I have niche strategies as one. So I have retail strategies as one. I have B2B, which is another strategy, you know, a category. So these are categories. And then inside of those categories have detailed strategies and how to apply the strategy in your market. So it’s not just, Hey, go put out some signs. That’s not really a strategy. It’s if you’re going to do that, how do you do it? How cheaply can you do it? Like, there’s so many things. It isn’t just about putting out a sign. If you’re going to drive for dollars or doing those types of things, there’s a way that you do it to where you can get the best results you just don’t want to get in the car and drive around, or use an app on a phone out there.
Chad McCall (16:18): Like that’s really common nowadays, you see an app on a phone and people say, Oh, I’m driving for dollars. I’m going to send postcards. And this, well, just doing those things randomly, you don’t have really a purpose. So what I really like to let people know is in real estate investing, you have to have a purpose for the actions of what you’re doing. So if you’re going to go drive across, where are you driving? Why are you driving there? Who are you going to see? Why is that a good market? Is that an area that’s going to be good if you do get a deal from it? Cause a lot of times, Jay, I’ve been in markets where I can find an amazing deal, but there’s no buyers for it. And if there’s no buyers for it, why would a funder want to fund me on that deal? If they think it’s too risky.
Jay Conner (16:55): Exactly. As you’re talking, one word comes to my mind and then I want, then I want you to, I know our audience is biting at the bit that they hear the first strategy that you’re going to talk about. But one thing that comes to mind is a word that is critical when we are in real estate investing and we are locating deals to do. And that’s the word, consistency and measurability. And when I say consistent, it’s like, you know, if you’re like, okay, I get up today. Well, what am I going to do to go find a deal today? That’s not how it works. In my world, you got you get the education, right? You gotta, you gotta, you need to hang around somebody that has already learned how to do it and implement, you know, put the plan together. Okay, what strategies am I going to start testing? What’s my budget and consistency. You know, activities going on every day of bringing in, you know, some are leads. And along with that, we can’t set it and forget it. We got to continue to measure it. And we got to have a mechanism on measuring. What kind of return are we getting in our investment of dollars and investment of time, you agree?
Chad McCall (18:13): Oh, you have to measure what you’re doing. And that’s when I tell people, it was like a lot of people, Jay, that I run into say, Chad, I’m so glad I found this playbook. You know, I did direct mail though. And it didn’t work. How long did you do it? Well, I did it for two months. I was like, well, if you pay attention to the strategy, it’s going to last a lot longer than that. You know? They’re like, well, I sent out postcards, you know, not versus my yellow letters. And well, how long did you do it? And some people, they just, they jumped around from strategy to strategy. They ever get the consistency out their day, like you’re talking about. And I always tell people, if you do something consistently, just like you said, you can get a predictable result if you can measure.
Chad McCall (18:52): So you gotta be consistent. So you have the ability to measure. Then that’ll give you a predictable outcome, you know? And I learned from you Jay, you guys. I went in the field with Jay. Jay, probably that’s about that. I came out, went around Jay, show me what he’s doing. We talked like, this is what people do that are in this field. The experts I learned from Jay too, of how to be better on my side of finding deals, because I know that I’ve got to go to people like Jay and say, Hey, I need more money for deals. And if he knows what I know, and I know what he knows, it makes that so much easier to have that conversation with a funding person or to help me line up funding or referrals to other funders to do deals. So that’s the relationship that you want. You want to understand your market. You want to understand things and then give yourself time to be consistent enough. So you can measure. Then you can get a predictable result. Cause Jay will know that Chad gets this type of deal. Chad’s doing this type of size houses, this location, they get very, very comfortable with you. Then they start doing a lot more for you. Then they start giving you a little bit better rates sometimes. All of those things work out when you’re consistent with business for them. Right, Jay,
Jay Conner (20:01): You got it. All right. Let’s talk about a strategy. That’s one of your favorites.
Chad McCall (20:05): Oh man. I got so many, you know, I don’t know. Well, I’ll tell you one right now. That’s really hot. And some people are going to say no way, but Airbnb is a really hot strategy for motivated sellers.
Jay Conner (20:20): Okay. First of all, why is Airbnb so hot right now?
Chad McCall (20:27): Okay. I own Airbnbs in several States. I love the Airbnbs, but don’t get me wrong. But Airbnbs for motivated sellers because rules, regulations, you know, things are going on out there in the world. The reason why I say this is I filtered phone calls from at least 30 to 40 owners of Airbnbs, because they’re worried about what’s going to happen. Okay. And I’ll give you an example. What’s the most common conversation I’ve had with them is Chad, am I going to get sued? If someone catches Corona virus from one of my properties? Well, no one knows, right? But there’s a fear factor that could possibly happen. We haven’t seen a court case yet of that. Jay, we don’t know, and we can’t prove it. And we don’t know contact tracing and all the other things that can be involved with it. So homeowners, if they did get sued for that, what are the chances that they’re going to be able to weather a storm of a financial crisis like that the average person can’t. So that good investment now may turn into a longer term investment.
Chad McCall (21:25): They don’t want to deal with the management or the maintenance or anything that they’re going to have to do because cleaning costs. A lot of the cleaning company with Airbnbs are increasing their prices. Instead of that $75 to clean your unit or a hundred dollars after each visit, you’re going to have to spend 2 to $300, get a certified person. They got to use the right chemicals materials. And therefore that costs is going to increase on to your sellers, and to your rates and things. Right? So now if you have turnover in your property, we’re used to get two nights a month and then, or three night minimum stays. You’re gonna see a lot longer. Minimum stays with Airbnb week, two weeks because they don’t want to have to keep paying these costs of cleaning fees and everything else. Then you’re going to also see in certain areas like condos, town homes, the HOA’s are going to start changing rules due to what’s happening for traffic and people coming from out of the country.
Chad McCall (22:14): If you have a resort or a destination location, Airbnb. So I’ve noticed that you can get a lot of great deals on Airbnb’s right now, furnished and have great conversations with Airbnb owners that are just, you know what, yeah, I’m interested in doing that or taking over some of their properties subject too, because we’re not just out there finding deals to get funded. Jay, I know you love to fund all my deals for me, but I just, I find deals and I figured out ways to structure deals that aren’t necessarily the best for funding too. I may end up working on a short sale with someone taking over a subject too, working on a, you know, at least option something more creative as well when you have that motivated seller, because not all my deals are going to have the largest amounts of equity, but the ones that don’t, there’s still a way to work those deals.
Chad McCall (23:00): And there’s ones that do, always wait to wholesale and get them funded and rehab, et cetera. So Airbnb’s are great right now. And it’s very easy to find those and look at them because checking on the calendar, seeing which calendars have been booked out, which you know, locations are, I mean, there’s so many out there across the world and there are so many things going on with Airbnb and vacation rentals being up in the air right now. And again, it’s not every one of them, but you can have a very targeted, very qualified list. If you get the right message to those owners and you let them know that you’re interested in buying their property or putting a long-term rent in place as well, Jay, where you can rent it for two years at a thousand a month, and then you rent it out, you know, and you were on the Airbnb business on that charge 14, 15, 16, $1,800 a month, renting it out two or three times a month is all, where you can create your own little amazing cashflow business just from going out there and having the right conversations with Airbnb owners.
Chad McCall (23:53): But there’s a way to do that. There’s a right way to have that conversation. So that’s a great strategy right now with what we’re facing,
Jay Conner (24:00): Right? How do you initially communicate with the owners of Airbnb’s to you know, sift and sort those that might be interested in selling?
Chad McCall (24:12): Okay. So I do a lot of this myself. I designed my business where I can do everything in my business on my own before delegating it. But with Airbnb’s, I always have my VA go out there and start searching for my properties that are having no bookings. So on the calendar dates, when they’re not booked up and they always have availability or they have the lowest rates on their rental nights, that shows me they’re very motivated. So then I look for the lowest rates and the most calendar vacancies. That’s two things. So you can almost start to calculate, is this owner going to be making any money anytime soon or not? And then a third motivation indicator that I look for Jay is the ones that have really bad furniture. So if it’s really cheap, really bad furniture and old calendar invites, how are they going to pay to do all the cleaning up and things that they’re going to have to do?
Chad McCall (25:01): And it’s more of a burden for them sometimes again, not every one of them, but what we’re looking for, you can easily find a 20 to 30% conversion rate talking to those. And that’s a great conversion rate when you find the right type of motivated sellers, motivated landlords that have had those properties. And then I go a step further, Jay, I check and see how long those individuals have on those properties. So I look at the deed dates and if I can have a deed date, that’s so long, 10 years or more , then I know there’s some equity in there in that situation to have a good conversation, to write them a check for that housing from Jay Conner. When I say, Jay, I got a great deal, give me 50 grand, that’s worth a hundred. And you say, sure, Chad, I know, you know what you’re doing. And then we’d go out there and I sell it. I pay your money and I’ll walk with a profit. There you go.
Jay Conner (25:48): These properties that you’re buying that are currently being marketed as Airbnb. When you acquire the property, what is typically your plan of this you know, disposition? You know, what are you going to do with it?
Chad McCall (26:01): Oh, resell. Totally. Unless they don’t want to sell it to me yet. I can get a longer term lease. Do I like a lease option? If I’m a limited financially, then I can work more of a creative deal with them, Jay, but I’d love to just take those properties. They already have traffic. It’s usually in a nicer area. That’s why they’ve held the properties for such a long time. So it’s very easy to resell. Plus the homeowners. Usually aren’t going to want to do any of the work that it takes to get those properties up to market standards because they haven’t made any money with their Airbnb. So they need to come out of pocket with 20 grand. They’ve not made the 20 grand that they were thinking they were going to make with the Airbnb. And so there you go. You have an upside.
Chad McCall (26:42): Now, one, the things that most people don’t realize is Airbnb. A lot of these properties after this year, there’s so many properties it’s estimated to over 40% of Airbnb owners are defaulting on their mortgages right now on those properties. So with the high increase of that, that’s a lot of homeowners, insurance policies are going to be going in saying, what’s going on here. All it takes is for the homeowner insurance policies to know that they weren’t getting the right type of policy for a vacation rental or short term rental policy. And you’re gonna have a lot of owners that are gonna be freaking out about that too. So you’re going to catch some motivation from some of these sellers at the right point, and you can make a full time business on Airbnb from motivated sellers. If you want.
Jay Conner (27:27): Now in your playbook, you got 101 different ways to find discounted real estate in today’s market. If someone is like really, really tight on a budget, don’t have much money to invest. What’s one of your top one or two strategies in your playbook for people that are short on budget?
Chad McCall (27:45): Well, the easiest thing, Jay is the most public information that you can have out there is going to be a delinquent tax properties and code violations. I love both of those strategies because it’s free and you can always find some type of motivation. Now let’s just take code violations, for example, this strategy it’s public. I was just looking today, yesterday, and one location Jay, one city. And I’ll just give you an example. So Pennsylvania, so we’re talking Pittsburgh. In Pittsburgh do you have any idea of how many code violations have been filed in the last five years in Pittsburgh? Jay like, would you have a guess? Let’s just talk about like code violations. Like what would you do.
Jay Conner (28:28): I don’t have a guess, but before you answer, before you let everybody know, give everybody some examples of what a code violation is.
Chad McCall (28:35): Okay. Code violations or anything that you’re going to be in trouble for, from the exterior of your property, primarily, unless there’s a complaint on interior. Now, the interior complaints come from vacant properties, obviously a complaint from the city, meaning you’re not uphold into the building and standards, arrangement, or agreement that you have with the city. And that’s a big deal. Okay. They have the, it’s like the police that drives around and looks for reasons to, like, for me in North Carolina, Jay, you know, we’re out in front of the Western, North Carolina. It’s not very uncommon to have a couch sitting on your front porch or a car that’s been broken down in the front yard for 20 years. And hasn’t been moved. Okay, very common where I’m from, but that’s a code violation. You’re going to have to move it. They’re going to find you, they’re going to charge you for it.
Chad McCall (29:23): Busted out windows garbage, debris, grass is a very common one. A lot of those things, you know buildings without permits. This is a really good one too Jay that so when you’re looking at code violations, so I’ll give an example. One of this is the last five years there was 15,000 code violations filed the last five years now in the last year, there was 4,500 of those in the last year of the 4,500, this one city, okay. 900 were major code violations. And this, when I say major, this is over 7, 8, $9,000 to me based on this area. So now those aren’t legal complaints. They’re filed. People have to fix it. In other words, it’s a fix it ticket. It’s like, Hey, if you don’t fix this, you know, we’re going to not give you an occupancy permit to be able to live or rent in this property.
Chad McCall (30:21): So now that’s a major deal for a lot of people. Now, I will say that what we’ve seen is an unprecedented times right now in the pandemic, there’s a lot of major cities that have had some vandalism has had problems, things going out there, and guess what? That’s not going to stop the landlords and the code violations and everone’s not having to fix some of these problems, but they’re going to make sure they’re a very aware in certain areas of vacant properties. Now you’re gonna have a lot of people out looking for damage. They’re going to be looking at vacant properties, they’re going to be finding just because of the circumstances they’re going to be catching on to other landlords that had vacant properties sitting there. Other landlords that have think there got away with problems before they’ve been letting it sit there.
Chad McCall (31:03): And just the problem didn’t fix itself. It’s going to be doubling up. So you’re gonna have a lot of court cases coming up here. The first of the year that are going to be happening in the code violation world that are going to be thousands and thousands of dollars. And this is a legal proceeding that’s filed. And so one of the categories like the Judicial Category, it’s going to be a legal proceeding that’s filed. Legal proceedings, they’re going to be assigned the case number., they’re going to be assigned a court date, all public information. So if you don’t have a big marketing budget or brie, you just go to the date that they have, the court cases there, you can look up, who’s going to be having you look up what violations that they have. If you really want, if you can point and click on Google, you can easily find them.
Chad McCall (31:41): And then there’s your conversation. You know, the problem that they have with the house, you can easily find out if it’s an owner occupied property or a non-owner occupied property. Jay, very simple. It just takes a little bit of rolling up your sleeves. Get back to Grassroots Real Estate code violations has been around forever. I didn’t invent them. Jay didn’t invent them. They’ve been around hundreds of years. So easy to find those it’s legal. It’s all public information. You can roll your sleeves up. You’ll have more leads and you’ll know what to do with them. Just like that. One city over 900. All you need is one seller to say yes. Right Jay? Just one.
Jay Conner (32:18): You got it. Now you mentioned another strategy along with code violations. And what was it that you said
Chad McCall (32:25): You know, I have kind of run out a good strategy today. I think I gave too much.
Jay Conner (32:32): That’s awesome.
Chad McCall (32:33): Other one, Okay. So let’s talk about your delinquent taxes. Okay. A lot of.
Jay Conner (32:38): That’s what we said, delinquent taxes.
Chad McCall (32:41): Yes. A lot of times now this isn’t going to be the same in every single City and County and State it’s different. Okay. But if you’re limited on budget, Jay, this is what I was thinking of. You know, that’s a situation where properties that are delinquent on tax. I’m not talking about chasing at the tax sale or anything like that. Right now. I’m going to give you an easier way to talk about it. Is you have, what’s called land banks, repository lists. You have struck off lists in North Carolina. Jay, I mean, you know, you have the upset bids in North Carolina, right? I mean, that’s a really big one where upset bid. So let’s just talk about North Carolina, my home state. I love North Carolina go Blue Devils and Tarheels both. Okay. you’ve got struck off. So you actually get to see the properties that go to auction.
Chad McCall (33:27): You get to see what the highest bid is. Look at those properties. If you liked the property better, you’ve been a little bit more. As soon as you bid a little bit more, you’ve got several days where you’re the highest bidder, it’s like eBay for real estate. And it’s very easy because a lot of properties on the upset bid list, where if you like one of those, pick it up. It’s very easy. You say, Hey, Jay, I’ve got a property. I’m the bidder on this. I’m going to close in the next week. It’s worth 120,000. I’m going to pick it up for 60 to 70. Will you lend me money on it? You’re going to be like, that sounds like good. I think if the ARV numbers will workout, I think we’re good on that. That’s an easy way to do it.
Chad McCall (34:06): And it all started with unpaid taxes. Now I’m talking about, you can chase them there, or you can get them later in the process after they’ve already been a couple steps further in the process for delinquent taxes and over to this struck off list. So you can easily do things like that and find properties that are available. If you’re in a state with a land bank, they’ve got properties that are sitting there right now for you to pick up and purchase and you can rehab. Maybe you can cashflow some of them. If you’re in a repository state like Pennsylvania, you don’t, that’s another area there’s properties readily available for you if you want. So there’s areas you can find properties right now that most investors don’t look, they don’t think of looking that you can make a decision on right now, if you have access to someone like Jay Conner for all your money needs, he’s right there, right? You’re you’re the man they’d asking when they find a good deal, Jay. But those are easy ways that are really free and really cheap. And they don’t require any budget for someone Jay that’s free.
Jay Conner (35:04): That’s awesome. So we mentioned the beginning of the show, your playbook. Let’s go ahead and tell everybody how they can get a copy of your 101 ways to find these deeply discounted houses.
Chad McCall (35:18): So if you want to get a copy, go to www.REStrategyLab.com/Podcast. Okay. So www.REStrategyLab.com/Podcast for a special offer for Jay. Now, if you don’t go there, you’re not gonna be able get that offer. Okay. You’re, it’s what it really is, is www.REStrategyLab.com/Podcast. You’re going to be able to get this for a dollar, a strategy, pretty much Jay. And I don’t think there’s anything else like it out there. I know there’s nothing else like it, but I don’t think there’s anything that’s going to carry the value of a dollar, a strategy for your real estate investing business. So again, here’s what it looks like. It’s 175 pages of what to do, how you get involved, what you’re doing, doing it. And I’ve even got some of my best marketing things in the back here as well, Jay, like some of the scripts and things that I’ve used, some of the, I mean, certain letters and mail and you know, you name it, they’re all in here.
Chad McCall (36:15): Like what I’ve done response rates, how I do it. There’s ways I even talk about how to get free postcards, you know if you’re ever going to do marketing and things. So there are ways you can do it. So affordable and cheap and zero, if you really want, you don’t have to have these huge marketing budgets with a playbook like this. You can compete with anyone out there in the real estate investing business, no matter how big or small your company is, you can do it. And if you’re a seasoned investor, this is the best thing for you. It’s like your Bible for real estate. If you want to scale or grow. And if you’re new at real estate, you can pretty much need this. So you don’t make a big mistake and go out there and do something wrong and not get a return on your investor.
Jay Conner (36:53): Well, there you have it. Folks get on over to www.REStrategyLab.com/Podcast. Chad, thank you so much for taking the time to come on the show today, to share your experience with our audience and a parting comments.
Chad McCall (37:11): Thanks for having me, man. And you were awesome on my podcast too. I mean, and just your nuggets and knowledge of money and lending in 2020. I’m glad that people that are here listening, pay attention to Jay. He knows what he’s doing. He’s been doing this for so long and your experience that you have. I’m just glad I can be part of the Jay. And I appreciate all you do. And thanks for helping me in my business too.
Jay Conner (37:34): You got it, Chad. Well, there you have it folks. There’s another episode of Real Estate Investing with Jay Conner and here is to taking your business to the next level. We’ll see you on the next show.
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isocertvns-blog · 4 years
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Next Day Business Loan now performing 10-year term business loans of up to $250,000
Leading provider of innovative business financing solutions, Next Day Business Loan, announces its 10-year term business loans of up to $250,000
Next Day Business Loan has again reiterated its goal of helping small business owners achieve their goals and meet their financial needs with the launch of its 10-year term business loans. The new solution allows businesses to get funded in 24 hours or less with access to as much as $250,000. Over the years, Next Day Business Loan has continued to establish itself as a force to reckon with in the industry, offering businesses and other such clients a wide range of solutions to address their financial needs.
The recently launched 10-year term business loans funded in 24 hours is only a reiteration of the company’s mantra – “we never leave your business loanly.” In addition to ensuring that businesses get quick access to loans, Next Day Business Loan also aims to make the process a lot easier. This is so as interested borrowers are only required to provide 3 months of business bank statements in order to perform these loans.
We have funded over 140 Businesses from March 1, 2020 to June 1,2020 in where most lenders either stop funding or significantly reduced their funding all together. We did not as we understood during these times funding was necessary to keep the economy open and your business afloat. We stood behind our customers during the toughest financial crisis of our lifetime. We stood by small business then and we shall most definitely stand behind them going forward. We look forward in not only helping small business owners keep their doors open we look forward to helping each small business owner achieve their goals no matter what the market may bring. We are here to assist small business owners navigate through what most have called a financially challenging market to say the least. We shall continue to stand beside and behind those looking to grow their business and create a legacy of growth. This is why we made the lending process as stream line as possible so you can continue to focus on your business as we focus one getting your company the funding it needs.
Next Day Business Loan offers these business term loans in the following 30 states: Alabama, Arizona, California, Delaware, District of Columbia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Mississippi, Missouri, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oregon, South Carolina, Utah, Virginia, Washington, Wisconsin,  and Wyoming.
More information about the newly launched products and other award-winning solutions can be found on our website.
Next Day Business Loan is a Bizloanly Company.
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blue-raven-group · 2 years
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All You Need to Know about Hard Money Loans
Hard money loans are a kind of non-conforming loan (whereas 'conforming' loans fulfill specific requirements and therefore make the approval process quicker). These are usually short-term loans that don’t require red-tapism. Borrowers may turn to hard money loans after a loan or mortgage application is denied or when they need funding quickly, which is the case with redevelopment projects like subdivisions, urban development, or historic restoration. If you also require getting hard money in California, San Diego, or wherever you reside, you should read this article. It includes some vital information about hard money loans. So, without further ado, let’s get started!
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newstfionline · 5 years
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Headlines
U.S.-Canada border closing to ‘nonessential traffic’ (Washington Post) The United States and Canada have agreed to close their 5,500-mile border to “all nonessential travel” as the deadly coronavirus outbreak continues to spread. President Trump announced that two Navy hospital ships would be dispatched, at least one to New York. The news comes as countries around the world adopt increasingly strict quarantine measures, major companies wind down production, and experts warn that life worldwide will be severely disrupted for many months.
White House Proposes $1.2 Trillion in Stimulus Plan (Foreign Policy) Washington is considering a stimulus plan totaling $1.2 trillion to deal with the economic fallout caused by the coronavirus outbreak. Part of the package would involve distributing cash to every American, with a number above $1,000 expected. The United Kingdom has announced a package of business loan guarantees and fiscal support worth about $400 billion. France has made $50 billion available in assistance for small businesses, a further $330 billion in business loan guarantees, and has even promised to nationalize industries if necessary. Spain’s Prime Minister Pedro Sánchez promised a suspension of mortgage payments for workers affected by the coronavirus as well as $100 billion in loan guarantees.
President invokes Defense Production Act (AP) President Trump on Wednesday invoked the Defense Production Act (DPA), a set of emergency powers that will give the federal government the ability to ramp up the production of medical supplies such as masks, ventilators, gloves and other equipment to help the U.S. medical system respond to coronavirus cases.
Joe Biden sweeps three primaries (NYT) The former vice president easily defeated Bernie Sanders in Arizona, Florida and Illinois on Tuesday, all but eliminating the chance for a comeback by the Vermont senator.
Earthquake hits Utah (USA Today) A 5.7 magnitude earthquake hit Utah on Wednesday morning, the U.S. Geological Survey said, knocking out power and rattling residents already shaken up by the coronavirus pandemic. About 55,000 people lost electricity in the Salt Lake City Area, utility Rocky Mountain Power said. There were no immediate reports of injuries.
Some U.S. embassies suspend routine visa services over coronavirus (Reuters) A number of U.S. embassies around the world will suspend routine visa services due to coronavirus precautions, the U.S. Embassy in South Korea said in a statement on Wednesday.
Peruvian president announces nighttime curfew as coronavirus spreads (Reuters) Peru´s President Martin Vizcarra on Wednesday announced an immediate restriction on overnight movement across the country in a bid to halt the spread of coronavirus.
Brazilian prisoners rebel over cancellation of Easter leave (Foreign Policy) Hundreds of prisoners in four of Brazil’s low-security semi-open prisons have escaped. The mass breakout occurred when inmates were told that planned Easter holidays would be cancelled over fears of spreading the coronavirus. “These prisoners were unhappy about the decision that suspended the Easter leave,” said Lincoln Gakiya, a prosecutor in São Paulo state. “The prisoners were told and in some units, rebelled.”
UK panic-buying (Reuters) Ice cream and chocolate Easter eggs anyone? That is all that remains on some UK supermarket aisles as panic-buying escalates. That has prompted two big chains, Tesco and Sainsbury’s, to impose restrictions on certain items: Tesco for example is limiting purchases to just two packs of things like dried pasta, toilet roll and long life milk. Aldi meanwhile introduced outright rationing, limiting customers to buying four items of any one product during each visit. The paradox is that the stores say they have enough food coming into the system--suggesting that supplies would be fine if the panic-buyers just eased off.
EU Approves Closing Borders (Foreign Policy) Most of the 26 members of the European Schengen travel area have now agreed to close their external borders for 30 days, while still allowing some travel within the bloc, although there have been closures inside the EU, too. Austria has closed its borders with Italy, Switzerland, and Luxembourg; Switzerland has closed its borders with Germany, Austria, and France; and Portugal has partially sealed its border with Spain. The border closure will likely soon include those Schengen zone countries not in the EU. The travel ban will not include Ireland, as the country has a passport-free travel arrangement with the United Kingdom. An Irish government spokesman said Ireland would consult with Britain on any implementation of the ban.
Venice canals (Reuters) The pandemic lock-down is meanwhile having some unexpected side effects in Italy. Venice canals, usually bogged down with tourists in gondolas and motorboats are now crystal clear. Those that venture out into the city and peer down into the water may even see little silver fish swimming around
Olympic Committee explores options (NYT) The International Olympic Committee has been resolute in its insistence that this summer’s Tokyo Olympics will be held on schedule, despite the spread of the novel coronavirus. But even as IOC President Thomas Bach continues to state his confidence for a July-August schedule, those familiar with the process of planning and staging an Olympic Games say the IOC surely is exploring other options--and is probably well-aware that no perfect solutions exist.
Chinese flock back to China for refuge (NYT) In a matter of weeks, China has gone from being the epicenter of the virus to almost the only refuge from it, prompting hundreds of thousands of Chinese citizens abroad to flock home. About 20,000 people a day are arriving on flights into China, while five times as many arrive by land or sea, state media reported.
The U.S.-China Relationship Is on Life Support (Foreign Policy) China dropped a bombshell on the Western press yesterday as it announced the effective expulsion of all U.S. staff of the New York Times, the Wall Street Journal, and the Washington Post. It also demanded that both Time and the Voice of America, along with those three organizations, register all their employees in China as foreign agents. Thirteen journalists have been expelled as a result; more are likely to follow as China squeezes the bureaus, quite likely including non-Americans. The move came in part in retaliation for Washington’s recent limits on Chinese state media operatives in the United States. The effective expulsion of three of the most important American outlets would be worrying enough. But there also appears to be a wave of anti-foreigner feeling building throughout the system. Americans and other Westerners in China are reporting police questioning of their bosses, restrictions on visits by other foreigners, and increased police checks. Anti-Asian racism, meanwhile, is on the rise in the United States at the street level--including targeting Asians for wearing masks--amid the new coronavirus outbreak. Chinese ambassadors, meanwhile, continue to spread the lie that the virus didn’t originate in China, while state-linked media doubles down on conspiracy theories promoted by the Ministry of Foreign Affairs about an imaginary U.S. military role. In response, American conservatives, including the Trump administration, continue to refer to the coronavirus as “the Chinese virus,” while U.S. Secretary of State Mike Pompeo made an angry call to State Counsellor Yang Jiechi and summoned the Chinese ambassador for a dressing-down. The warning signs are flashing bright red for foreigners in China, who should, at a minimum, have an exit strategy. They should expect their next visa to be hard to obtain--and keep paperwork, especially local police registrations, in impeccable order.
Another Baghdad attack (Foreign Policy) Rockets struck Baghdad’s “Green Zone,” an area including Iraq’s seat of government and a number of foreign embassies. A U.S. spokesman said the rockets landed 1.2 miles away from the U.S. embassy and there were no reports of casualties. It’s now the fourth rocket attack on international targets in the Baghdad area in just one week.
Watchdog says Israel’s West Bank settlements surged in 2019 (AP) Israeli settlement activity in the West Bank surged ahead in 2019, a watchdog group said in a report Tuesday, maintaining a rapid pace that has drawn strength from the friendly policies of the Trump administration. Peace Now, a monitoring group that opposes the settlements, said that Israel’s average annual construction rate has risen 25% since President Donald Trump took office in 2017. Perhaps more significantly, Israeli Prime Minister Benjamin Netanyahu’s government last year approved plans to build thousands of new homes, laying the groundwork for a sharp spike in construction in the coming years. “In my opinion, they’re trying to take advantage of the window of opportunity that they have under the Trump administration, knowing that it might change in a few months,” said Hagit Ofran, a researcher for the group. “There was no such supportive administration for the settlements previously, ever.”
Ravaged by war, Middle Eastern countries face a new scourge (AP) Long-running wars and conflicts across the Middle East have wrecked potential defenses against coronavirus outbreaks, leaving millions vulnerable in Yemen, Libya, Syria, Afghanistan, the Gaza Strip and elsewhere. Health care systems have been gutted; war has blasted key infrastructure. Several of the countries are carved up among rival claimant governments, factions or armed groups, snarling any attempt at nationwide protection programs. Hundreds of thousands of people driven from their homes by fighting are crowded in close quarters in tent camps or improper housing. “We are becoming very worried,” said John Nkengasong, director of Africa Centers for Disease Control and Prevention, as the virus reached conflict-ridden Iraq, Libya, Somalia and the Democratic Republic of Congo. “The impact will be magnified.”
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realestatediarycon · 3 years
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Ways To Know How To Become Mortgage broker?
A mortgage broker assists potential property holders with the monetary side of things. A broker speaks with loaning establishments and helps people with their real estate buys, going about as the agent among moneylenders and buyers. How To Become Mortgage broker? Becoming a mortgage broker, where you work for yourself and one on one with clients instead of through a mortgage broking firm, can prompt a reasonable career. Be that as it may, you should get your mortgage broker license and utilize specific strategies to track down clients and retain them.
1. Research the job of a mortgage broker
How To Become Mortgage broker? Before you choose to become a mortgage broker, you actually should completely get the job and responsibilities of the position. There are two types of mortgage brokers: private mortgage brokers and business mortgage brokers. Private brokers work with individual home purchasers to assist them with getting financing from banks for their home loans. Business brokers work with organizations, on commission, to assist them with fund mortgages for business spaces.
• In both specializations, your job is to advise your client on choosing the best advances for them from different moneylenders and to process loan applications. To process loan applications, you should get the client's credit report or financial statements and affirm their income and resources.
• To do this work admirably, you will likewise require a point-by-point comprehension of government regulations around real estate financing to assist your client with choosing if the property is worth buying.
• You can likewise have to go to meet clients and to meet lenders face to face consistently.
2. Check the mortgage licensing regulations in your state or region
The guidelines for mortgage brokers differ from one state to another. Utilize an intuitive map of the US to track down the legislation in your state. To get more details on the licensing regulations in your state, you can likewise contact the National Association of Mortgage Brokers (NAMB).
• How To Become a Mortgage broker? A few states require the mortgage broker to have a home loan license before they can become a broker and a few states don't. There are likewise certain regulations, similar to whether a mortgage broker can handle an advance on a client's first and second mortgages, and if a broker should have a physical office in the state to be a legitimate mortgage broker in that state.
• With the developing number of mortgage brokers working on the web, the permitting regulations are less severe around having a physical office, however, a few states require a mortgage broker license to broker mortgages for clients.
• In Arizona, for instance, all mortgage brokers should have a physical office in Arizona and the broker should be an Arizona resident. But in New York, a mortgage broker can work online from a far-off area as long as she has verification of experience in mortgage brokering and recent, unique credit reports.
3. Get hands-on experience in the business
Many mortgage brokers start at bigger home loan firms before branching out all alone. You could likewise acquire insight into the home loan arms of housing firms or banks to get a feeling of the business. How To Become Mortgage broker? Three to five years of experience with a bigger firm is recommended before becoming a broker.
Conclusion: How To Become Mortgage broker? 
As guidelines around mortgage brokering shift and change, mortgage brokers should track down ways of separating themselves and offer different skills to their clients. For instance, a mortgage broker who is likewise a certified underwriter can assist clients to navigate tricky financing issues with the loaning foundation and be the go-to broker for complex mortgages.
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patriotsnet · 3 years
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Did Republicans Win Back The House
New Post has been published on https://www.patriotsnet.com/did-republicans-win-back-the-house/
Did Republicans Win Back The House
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Republicans Secure Half Of Total Us Senate Seats
How Republicans can win back the White House
WASHINGTON U.S. Republican Senator Dan Sullivan of Alaska won reelection Wednesday, assuring Republicans of at least 50 seats in the 100-member Senate for the next two years, while leaving control of the chamber uncertain until two runoff elections are held in Georgia in early January.
After slow vote-counting in the northwestern-most state of the U.S. after the November 3 election, news media concluded that Sullivan had an insurmountable lead over Al Gross, an orthopedic surgeon who ran as an independent candidate with Democratic support. The contest was called with Sullivan, a conservative, ahead by 20 percentage points.
With Republicans assured of at least half the Senate seats, attention now turns to the two January 5 runoff elections in the southern state of Georgia.
Two conservative Republican lawmakers Senators David Perdue and Kelly Loeffler now hold the two seats, but both failed in separate contests last week to win a majority, forcing them into the runoffs.
Perdue faces Democrat Jon Ossoff, an investigative journalist who narrowly lost a 2017 race for a seat in the House of Representatives before trying to oust Perdue from the Senate seat he has held since 2015.
Loeffler, who was appointed to her Senate seat in early 2020, is facing Raphael Warnock, a progressive Democrat who is senior pastor at Ebenezer Baptist Church in Atlanta.
An Incoming Class Of History
Several of the newly elected state representatives are making history.;
The Republican Madison Cawthorn, 25, who beat the Democrat Moe Davis to represent North Carolina’s 11th Congressional District, will become the youngest member of Congress in modern history.
The Democrat Cori Bush is set to become the first Black congresswoman from Missouri after winning in the state’s 1st Congressional District.
The Democrats Mondaire Jones and Ritchie Torres will also be the first openly gay Black men to serve in Congress, after winning in New York’s 17th and 15th districts respectively.
And nine out of the eleven Republicans who have so far unseated incumbent Democrats are women wins that will drastically expand the representation of women and especially of women of color in the House Republican caucus.
Currently, there are just 13 voting female Republican representatives in the House and 11 female Republican incumbents who ran for reelection in 2020.
‘the Squad’ Coasts To Reelection
Three high-profile Democratic members of “the squad” in the House of Representatives held their seats in a comfortable fashion.
Rep. Alexandria Ocasio-Cortez will continue to represent New York’s 14th District, defeating the Republican John Cummings by a wide margin, while Rep. Ilhan Omar also ran well ahead of the Republican Lacy Johnson in the race to represent Minnesota’s 5th District.
Rep. Rashida Tlaib also defeated her Republican challenger, David Dudenhoefer, and will continue to represent Michigan’s 13th Congressional District.
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The Midterms Introduced Extreme Divisive Politics
As for the contract’s lasting impact? Most of its ideas and proposals did not pass Congress, or were vetoed by Clinton, and, according to Teske, the ones that did pass were not radical departures and instead relatively minor in scope. But it did put Republicans back in power in Congress, which they’ve largely held onto in the years since.
“The Gingrich approach of extreme right ideas, combined with a scorched-earth personal level of politics in attacking opponentslater seen in Clintons investigations and impeachmenthas also had a major impact on American politics” he says. “It helped bring a much more ‘win at all costs’ mentality, and a divisiveness that persists today.”
Climate Deniers In The 117th Congress
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According to new analysis from the Center for American Progress, there are still 139 elected officials in the 117th Congress, including 109 representatives and 30 senators, who refuse to acknowledge the scientific evidence of human-caused climate change. All 139 of these climate-denying elected officials have made recent statements casting doubt on the clear, established scientific consensus that the world is warmingand that human activity is to blame. These same 139 climate-denying members have received more than $61 million in lifetime contributions from the coal, oil, and gas industries.
Recommended Reading: How Many Republicans Caucused In Iowa
Senate Republican Leader Says Narrow Democratic Control Of House And Senate Makes Push Against President Impractical
Republican Senate Minority Leader Mitch McConnell said on Wednesday, I think we have a good chance of winning that election next year.
Senate Minority Leader Mitch McConnell said Republican calls for removing President Biden from office over the Afghanistan withdrawal were impractical, urging GOP voters to focus instead on winning back the House and Senate in next years midterm elections.
Look, there isnt going to be an impeachment, but I think we have a good chance of winning that election next year, Mr. McConnell said in remarks in his home state on Wednesday, in which he noted that Democrats could block any push to remove the president.
Why Did House Democrats Underperform Compared To Joe Biden
Reddit
The results of the 2020 elections pose several puzzles, one of which is the gap between Joe Bidens handsome victory in the presidential race and the Democrats disappointing performance in the House of Representatives. Biden enjoyed an edge of 7.1 million votes over President Trump, while the Democrats suffered a loss of 13 seats in the House, reducing their margin from 36 to just 10.
Turnout in the 2018 mid-term election reached its highest level in more than a century. Democrats were fervently opposed to the Trump administration and turned out in droves. Compared to its performance in 2016, the partys total House vote fell by only 2%. Without Donald Trump at the head of the ticket, Republican voters were much less enthusiastic, and the total House vote for Republican candidates fell by nearly 20% from 2016. Democratic candidates received almost 10 million more votes than Republican candidates, a margin of 8.6%, the highest ever for a party that was previously in the minority. It was, in short, a spectacular year for House Democrats.
To understand the difference this Democratic disadvantage can make, compare the 2020 presidential and House results in five critical swing states.
Table 1: Presidential versus House results
Arizona
Also Check: How Did Republicans Do In The Primaries
Rep Emmer On Why He Thinks Republicans Will Win The House
Minnesota Rep. Tom Emmer chairs the National Republican Congressional Committee and is leading the GOPs efforts to win control of the House in November. Emmer joins Judy Woodruff from Minneapolis to discuss his reaction to the Republican National Convention so far and why he thinks his party will win a majority in the House this fall.
Republicans Are Watching Their States Back Weed And Theyre Not Sold
Trump to decide on 2024 presidential run once Republicans ‘take back the House’
Montana, South Dakota and Mississippi are among the states that have recently passed legalization referendums.
06/27/2021 07:01 AM EDT
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A growing number of Republican senators represent states that have legalized recreational or medical cannabis six approved or expanded marijuana in some form just since November. But without their support in Congress to make up for likely Democratic defectors, weed falls critically short of the 60 votes needed to advance legislation.
Montanas Steve Daines and South Dakotas Mike Rounds, both Republicans, said they dont support comprehensive federal cannabis reform, no matter what voters back home voted for.
I oppose it, said Daines, who is otherwise a lead sponsor of the SAFE Banking Act, which would make it easier for the cannabis industry to access financial services, such as bank accounts and small business loans. The people in Montana decided they want to have it legal in our state, and thats why I support the SAFE Banking Act as well its the right thing to do but I dont support federal legalization.
Senate Majority Leader Chuck Schumer is vowing to push a far-reaching federal legalization bill, even if President Joe Biden isnt on board. But before he can corner the White House on the issue, Schumer must convince at least 10 Republicans possibly more, since Democrats like Sens. Jon Tester and Jeanne Shaheen are unlikely to back the measure to join his cause.
Also Check: What Do Republicans Stand For Today
The 147 Republicans Who Voted To Overturn Election Results
By Karen Yourish,;Larry Buchanan and Denise LuUpdated January 7, 2021
When a mob of President Trumps supporters stormed the Capitol building on Wednesday, they forced an emergency recess in the Congressional proceedings to officially certify the results of the 2020 presidential election. The disruption came shortly after some Republican lawmakers made the first of a planned series of highly unusual objections, based on spurious allegations of widespread voter fraud, to states election results. The chambers were separately debating an objection to Arizonas results when proceedings were halted and the Capitol was locked down.
When the Senate reconvened at 8 p.m., and the House of Representatives an hour later, the proceedings including the objection debates continued, although some lawmakers who had previously planned to vote with the objectors stood down following the occupation of the Capitol. Plans to challenge a number of states after Arizona were scrapped, as well but one other objection, to Pennsylvanias results, also advanced to a vote. Here are the eight senators and 139 representatives who voted to sustain one or both objections.
Trump Lost Everything For The Republicans
In four years, Trump has led the Republican Party from unified control of Washington to the wilderness.
About the author: David A. Graham is a staff writer at The Atlantic.
If we nominate Trump, we will get destroyed and we will deserve it, Senator Lindsey Graham tweeted on May 16, 2016.
The South Carolinians prediction didnt age well at first. Come January 2017, the Republican Party was in the catbird seat. With Trumps upset win over the Democratic candidate, Hillary Clinton, it controlled the White House, the Senate, and the House of Representatives. Trump would immediately be able to appoint a Supreme Court justice, too, giving GOP appointees an edge on the high court. Trump seemed to have cleared out the last vestiges of the Democrats New Deal coalition and built a new party that might withstand demographic changes expected to favor liberals. Graham, meanwhile, had a change of heart and became one of Trumps noisiest cheerleaders and closest allies.
Nonetheless, Trump insisted on making the Georgia Senate runoffs about him too. The effect was disastrous. Democrats, especially Black voters, turned out in astonishing numbers; suburban voters continued to reject Trump; and Republican turnout fell short, perhaps in part because the president had spent weeks telling his supporters that the states elections were rigged.
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President Clinton And Hillary Clinton Were Campaign Targets
Teske adds that Republicans had some easy “targets to attack,” from the unpopular, early years of President Bill Clinton, to the Hillary Clinton-led health care proposal to individual corruption cases in Congress.
The overarching goal of the contract involved cutting taxes, reducing the size of government and reducing government regulations, taking aim at Congress, itself, to be more transparent, less corrupt and more open with the public.
“Essentially, it claimed that it would ‘drain the swamp’though they didnt use that term, in terms of what Donald Trump would later articulate,”;Teske;says. “If successful, the contract specified 10 bills they would bring up for votes in the first 100 days, including a balanced budget amendment, term limits, social security reform and others.”
The 2024 Presidential Election Will Be Close Even If Trump Is The Gop Nominee
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One very important thing we should have all taken away from both the 2016 and 2020 presidential contests is that the two major parties are in virtual equipose . The ideological sorting-out of the two parties since the 1960s has in turn led to extreme partisan polarization, a decline in ticket-splitting and and in number of genuine swing voters. Among other things, this has led to an atmosphere where Republicans have paid little or no price for the extremism theyve disproportionately exhibited, or for the bad conduct of their leaders, most notably the 45th president.
Indeed, the polarized climate encourages outlandish and immoral base mobilization efforts of the sort Trump deployed so regularly. Some Republicans partisans shook their heads sadly and voted the straight GOP ticket anyway, And to the extent there were swing voters they tended strongly to believe that both parties were equally guilty of excessive partisanship, and/or that all politicians are worthless scum, so why not vote for the worthless scum under whom the economy hummed?
The bottom line is that anyone who assumes Republicans are in irreversible decline in presidential elections really hasnt been paying attention.
Don’t Miss: Which Republicans Voted Against The Tax Bill
Republicans Won All 27 House Races Listed As ‘toss
Republicans won all 27 House races the Cook Political Report rated as toss-ups in its 2020 election analysis, in addition to picking up seven of the 36 seats the outlet rated as likely Democrat” or “lean Democrat.
The House count stands at 221D-209R, and here are my information ratings of the five outstanding races following todays developments, Cook Political Report editor Dave Wasserman said on Twitter. #CA21 – Likely R, #CA25 – Lean R, #IA02 – Lean R , #NJ07 – Likely D, #NY22 – Toss Up.
The House count stands at 221D-209R, and here are my informal ratings of the five outstanding races following todays developments:#CA21 – Likely R#CA25 – Lean R#IA02 – Lean R #NJ07 – Likely D#NY22 – Toss Up
Dave Wasserman
Before the election, the Cook Political Report listed 229 seats as either solid Democrat, likely Democrat, or lean Democrat to go along with the 26 toss-ups. As of Thursday, the partys best hope is for 226 seats, though the Cook Political Report rates 223 as the most likely outcome.
The results represent a major disappointment for Democrats, who grew increasingly confident of a blue wave leading up to Election Day that would give them an expanded House majority.
This year, Im trying to win it two years in advance by being so substantial in this election that as soon as we start into the next year, people will see our strength, House Speaker Nancy Pelosi said one week before Election Day.
Effect Of Republican Retirements
Indeed, 2020 was actually a Democratic-leaning year, with Biden winning the national popular vote by 4.5 percentage points. So theres a good chance that states will be at least a bit redder in 2022 than they were in 2020.
That could make these retirements less of a blow to Republicans than they first appear. Whats more, by announcing their retirements so early, Burr, Toomey and Portman are giving the GOP as much time as possible to recruit potential candidates, shape the field of candidates in a strategic way in the invisible primary and raise more money for the open-seat campaign. And in Ohio specifically, Republicans still look like heavy favorites. Even in the Democratic-leaning environment of 2020, Trump won Ohio by 8 percentage points, implying that its true partisan lean is probably even more Republican-leaning. Ohio is simply not the quintessential swing state it once was; dating back to the 2014 election cycle, Democrats have won just one out of 14 statewide contests in Ohio and that was a popular incumbent running in a blue-wave election year .
Nathaniel Rakich and Geoffrey Skelley, FiveThirtyEight
Read Also: When Did The Republicans And Democrats Switch Platforms
Gop Women Made Big Gains
While the majority of the Republican caucus will still be men come 2021, there will be far more Republican women in Congress than there were this year. So far, it looks like at least 26 GOP women will be in the House next year, surpassing the record of 25 from the 109th Congress. Thats thanks in part to the record number of non-incumbent Republican women 15 whove won House contests. And its also because of how well Republican women did in tight races. The table below shows the Republican women who ran in Democratic-held House districts that were at least potentially competitive,1 according to FiveThirtyEights forecast. As of this writing, seven of them have won.
GOP women have flipped several Democratic seats
Republican women running for potentially competitive Democratic-held House seats and the status of their race as of 4:30 p.m Eastern on Nov. 11
District D+22.1
Results are unofficial. Races are counted as projected only if the projection comes from ABC News. Excludes races in which the Republican candidate has either a less than 1 in 100 chance or greater than 99 in 100 chance of winning.
Gerrymandering Texas Could Help Republicans Take Back The House In 2022
Trump has ‘no plans’ for third party but will help Republicans win back House and Senate in 2022
HOUSTON Fort Bend County was a sleepy suburban outpost of Houston when KP George arrived in the late 1990s, dominated by conservative politics and represented in Congress by Republican Party star Tom DeLay.
Twenty years later, the areas population has more than doubled in size, driven by fast-growing Asian, Latino and Black communities that in 2019 helped elect George an immigrant from southern India as Fort Bends first non-white county judge.
The wave of left-leaning voters that elevated George and other Democrats to local office in recent years may also help the area land a new congressional district. Texas gained two House seats in the 2020 U.S. Census, driven by a population boom in the Houston and Dallas-Fort Worth metropolitan regions, among other parts of the state.
But the Republican-controlled state legislature will be in charge of drawing the new districts, leaving Democrats on the sidelines, worried they may not benefit from the regions changing demographics.
You feel like youre not being counted, George said. My county is benefitting from people like me. But when it comes to the seat at the table , we dont have it.
Redistricting is a byzantine process that plays out behind closed doors, but the stakes are high. New congressional and state legislative lines will remain in place for the next decade, giving the parties that benefit most from redistricting considerable clout in policymaking and upcoming elections.
Read Also: Why Did Republicans Want To Remove President Johnson From Office
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statetalks · 3 years
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Did Republicans Win Back The House
Republicans Secure Half Of Total Us Senate Seats
How Republicans can win back the White House
WASHINGTON U.S. Republican Senator Dan Sullivan of Alaska won reelection Wednesday, assuring Republicans of at least 50 seats in the 100-member Senate for the next two years, while leaving control of the chamber uncertain until two runoff elections are held in Georgia in early January.
After slow vote-counting in the northwestern-most state of the U.S. after the November 3 election, news media concluded that Sullivan had an insurmountable lead over Al Gross, an orthopedic surgeon who ran as an independent candidate with Democratic support. The contest was called with Sullivan, a conservative, ahead by 20 percentage points.
With Republicans assured of at least half the Senate seats, attention now turns to the two January 5 runoff elections in the southern state of Georgia.
Two conservative Republican lawmakers Senators David Perdue and Kelly Loeffler now hold the two seats, but both failed in separate contests last week to win a majority, forcing them into the runoffs.
Perdue faces Democrat Jon Ossoff, an investigative journalist who narrowly lost a 2017 race for a seat in the House of Representatives before trying to oust Perdue from the Senate seat he has held since 2015.
Loeffler, who was appointed to her Senate seat in early 2020, is facing Raphael Warnock, a progressive Democrat who is senior pastor at Ebenezer Baptist Church in Atlanta.
An Incoming Class Of History
Several of the newly elected state representatives are making history.;
The Republican Madison Cawthorn, 25, who beat the Democrat Moe Davis to represent North Carolina’s 11th Congressional District, will become the youngest member of Congress in modern history.
The Democrat Cori Bush is set to become the first Black congresswoman from Missouri after winning in the state’s 1st Congressional District.
The Democrats Mondaire Jones and Ritchie Torres will also be the first openly gay Black men to serve in Congress, after winning in New York’s 17th and 15th districts respectively.
And nine out of the eleven Republicans who have so far unseated incumbent Democrats are women wins that will drastically expand the representation of women and especially of women of color in the House Republican caucus.
Currently, there are just 13 voting female Republican representatives in the House and 11 female Republican incumbents who ran for reelection in 2020.
‘the Squad’ Coasts To Reelection
Three high-profile Democratic members of “the squad” in the House of Representatives held their seats in a comfortable fashion.
Rep. Alexandria Ocasio-Cortez will continue to represent New York’s 14th District, defeating the Republican John Cummings by a wide margin, while Rep. Ilhan Omar also ran well ahead of the Republican Lacy Johnson in the race to represent Minnesota’s 5th District.
Rep. Rashida Tlaib also defeated her Republican challenger, David Dudenhoefer, and will continue to represent Michigan’s 13th Congressional District.
You May Like: What Do Republicans And Democrats Believe In
The Midterms Introduced Extreme Divisive Politics
As for the contract’s lasting impact? Most of its ideas and proposals did not pass Congress, or were vetoed by Clinton, and, according to Teske, the ones that did pass were not radical departures and instead relatively minor in scope. But it did put Republicans back in power in Congress, which they’ve largely held onto in the years since.
“The Gingrich approach of extreme right ideas, combined with a scorched-earth personal level of politics in attacking opponentslater seen in Clintons investigations and impeachmenthas also had a major impact on American politics” he says. “It helped bring a much more ‘win at all costs’ mentality, and a divisiveness that persists today.”
Climate Deniers In The 117th Congress
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According to new analysis from the Center for American Progress, there are still 139 elected officials in the 117th Congress, including 109 representatives and 30 senators, who refuse to acknowledge the scientific evidence of human-caused climate change. All 139 of these climate-denying elected officials have made recent statements casting doubt on the clear, established scientific consensus that the world is warmingand that human activity is to blame. These same 139 climate-denying members have received more than $61 million in lifetime contributions from the coal, oil, and gas industries.
Recommended Reading: How Many Republicans Caucused In Iowa
Senate Republican Leader Says Narrow Democratic Control Of House And Senate Makes Push Against President Impractical
Republican Senate Minority Leader Mitch McConnell said on Wednesday, I think we have a good chance of winning that election next year.
Senate Minority Leader Mitch McConnell said Republican calls for removing President Biden from office over the Afghanistan withdrawal were impractical, urging GOP voters to focus instead on winning back the House and Senate in next years midterm elections.
Look, there isnt going to be an impeachment, but I think we have a good chance of winning that election next year, Mr. McConnell said in remarks in his home state on Wednesday, in which he noted that Democrats could block any push to remove the president.
Why Did House Democrats Underperform Compared To Joe Biden
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The results of the 2020 elections pose several puzzles, one of which is the gap between Joe Bidens handsome victory in the presidential race and the Democrats disappointing performance in the House of Representatives. Biden enjoyed an edge of 7.1 million votes over President Trump, while the Democrats suffered a loss of 13 seats in the House, reducing their margin from 36 to just 10.
Turnout in the 2018 mid-term election reached its highest level in more than a century. Democrats were fervently opposed to the Trump administration and turned out in droves. Compared to its performance in 2016, the partys total House vote fell by only 2%. Without Donald Trump at the head of the ticket, Republican voters were much less enthusiastic, and the total House vote for Republican candidates fell by nearly 20% from 2016. Democratic candidates received almost 10 million more votes than Republican candidates, a margin of 8.6%, the highest ever for a party that was previously in the minority. It was, in short, a spectacular year for House Democrats.
To understand the difference this Democratic disadvantage can make, compare the 2020 presidential and House results in five critical swing states.
Table 1: Presidential versus House results
Also Check: How Did Republicans Do In The Primaries
Rep Emmer On Why He Thinks Republicans Will Win The House
Minnesota Rep. Tom Emmer chairs the National Republican Congressional Committee and is leading the GOPs efforts to win control of the House in November. Emmer joins Judy Woodruff from Minneapolis to discuss his reaction to the Republican National Convention so far and why he thinks his party will win a majority in the House this fall.
Republicans Are Watching Their States Back Weed And Theyre Not Sold
Trump to decide on 2024 presidential run once Republicans ‘take back the House’
Montana, South Dakota and Mississippi are among the states that have recently passed legalization referendums.
06/27/2021 07:01 AM EDT
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A growing number of Republican senators represent states that have legalized recreational or medical cannabis six approved or expanded marijuana in some form just since November. But without their support in Congress to make up for likely Democratic defectors, weed falls critically short of the 60 votes needed to advance legislation.
Montanas Steve Daines and South Dakotas Mike Rounds, both Republicans, said they dont support comprehensive federal cannabis reform, no matter what voters back home voted for.
I oppose it, said Daines, who is otherwise a lead sponsor of the SAFE Banking Act, which would make it easier for the cannabis industry to access financial services, such as bank accounts and small business loans. The people in Montana decided they want to have it legal in our state, and thats why I support the SAFE Banking Act as well its the right thing to do but I dont support federal legalization.
Senate Majority Leader Chuck Schumer is vowing to push a far-reaching federal legalization bill, even if President Joe Biden isnt on board. But before he can corner the White House on the issue, Schumer must convince at least 10 Republicans possibly more, since Democrats like Sens. Jon Tester and Jeanne Shaheen are unlikely to back the measure to join his cause.
Also Check: What Do Republicans Stand For Today
The 147 Republicans Who Voted To Overturn Election Results
By Karen Yourish,;Larry Buchanan and Denise LuUpdated January 7, 2021
When a mob of President Trumps supporters stormed the Capitol building on Wednesday, they forced an emergency recess in the Congressional proceedings to officially certify the results of the 2020 presidential election. The disruption came shortly after some Republican lawmakers made the first of a planned series of highly unusual objections, based on spurious allegations of widespread voter fraud, to states election results. The chambers were separately debating an objection to Arizonas results when proceedings were halted and the Capitol was locked down.
When the Senate reconvened at 8 p.m., and the House of Representatives an hour later, the proceedings including the objection debates continued, although some lawmakers who had previously planned to vote with the objectors stood down following the occupation of the Capitol. Plans to challenge a number of states after Arizona were scrapped, as well but one other objection, to Pennsylvanias results, also advanced to a vote. Here are the eight senators and 139 representatives who voted to sustain one or both objections.
Trump Lost Everything For The Republicans
In four years, Trump has led the Republican Party from unified control of Washington to the wilderness.
About the author: David A. Graham is a staff writer at The Atlantic.
If we nominate Trump, we will get destroyed and we will deserve it, Senator Lindsey Graham tweeted on May 16, 2016.
The South Carolinians prediction didnt age well at first. Come January 2017, the Republican Party was in the catbird seat. With Trumps upset win over the Democratic candidate, Hillary Clinton, it controlled the White House, the Senate, and the House of Representatives. Trump would immediately be able to appoint a Supreme Court justice, too, giving GOP appointees an edge on the high court. Trump seemed to have cleared out the last vestiges of the Democrats New Deal coalition and built a new party that might withstand demographic changes expected to favor liberals. Graham, meanwhile, had a change of heart and became one of Trumps noisiest cheerleaders and closest allies.
Nonetheless, Trump insisted on making the Georgia Senate runoffs about him too. The effect was disastrous. Democrats, especially Black voters, turned out in astonishing numbers; suburban voters continued to reject Trump; and Republican turnout fell short, perhaps in part because the president had spent weeks telling his supporters that the states elections were rigged.
You May Like: How Many Republicans Voted For Impeachment
President Clinton And Hillary Clinton Were Campaign Targets
Teske adds that Republicans had some easy “targets to attack,” from the unpopular, early years of President Bill Clinton, to the Hillary Clinton-led health care proposal to individual corruption cases in Congress.
The overarching goal of the contract involved cutting taxes, reducing the size of government and reducing government regulations, taking aim at Congress, itself, to be more transparent, less corrupt and more open with the public.
“Essentially, it claimed that it would ‘drain the swamp’though they didnt use that term, in terms of what Donald Trump would later articulate,”;Teske;says. “If successful, the contract specified 10 bills they would bring up for votes in the first 100 days, including a balanced budget amendment, term limits, social security reform and others.”
The 2024 Presidential Election Will Be Close Even If Trump Is The Gop Nominee
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One very important thing we should have all taken away from both the 2016 and 2020 presidential contests is that the two major parties are in virtual equipose . The ideological sorting-out of the two parties since the 1960s has in turn led to extreme partisan polarization, a decline in ticket-splitting and and in number of genuine swing voters. Among other things, this has led to an atmosphere where Republicans have paid little or no price for the extremism theyve disproportionately exhibited, or for the bad conduct of their leaders, most notably the 45th president.
Indeed, the polarized climate encourages outlandish and immoral base mobilization efforts of the sort Trump deployed so regularly. Some Republicans partisans shook their heads sadly and voted the straight GOP ticket anyway, And to the extent there were swing voters they tended strongly to believe that both parties were equally guilty of excessive partisanship, and/or that all politicians are worthless scum, so why not vote for the worthless scum under whom the economy hummed?
The bottom line is that anyone who assumes Republicans are in irreversible decline in presidential elections really hasnt been paying attention.
Don’t Miss: Which Republicans Voted Against The Tax Bill
Republicans Won All 27 House Races Listed As ‘toss
Republicans won all 27 House races the Cook Political Report rated as toss-ups in its 2020 election analysis, in addition to picking up seven of the 36 seats the outlet rated as likely Democrat” or “lean Democrat.
The House count stands at 221D-209R, and here are my information ratings of the five outstanding races following todays developments, Cook Political Report editor Dave Wasserman said on Twitter. #CA21 – Likely R, #CA25 – Lean R, #IA02 – Lean R , #NJ07 – Likely D, #NY22 – Toss Up.
The House count stands at 221D-209R, and here are my informal ratings of the five outstanding races following todays developments:#CA21 – Likely R#CA25 – Lean R#IA02 – Lean R #NJ07 – Likely D#NY22 – Toss Up
Dave Wasserman
Before the election, the Cook Political Report listed 229 seats as either solid Democrat, likely Democrat, or lean Democrat to go along with the 26 toss-ups. As of Thursday, the partys best hope is for 226 seats, though the Cook Political Report rates 223 as the most likely outcome.
The results represent a major disappointment for Democrats, who grew increasingly confident of a blue wave leading up to Election Day that would give them an expanded House majority.
This year, Im trying to win it two years in advance by being so substantial in this election that as soon as we start into the next year, people will see our strength, House Speaker Nancy Pelosi said one week before Election Day.
Effect Of Republican Retirements
Indeed, 2020 was actually a Democratic-leaning year, with Biden winning the national popular vote by 4.5 percentage points. So theres a good chance that states will be at least a bit redder in 2022 than they were in 2020.
That could make these retirements less of a blow to Republicans than they first appear. Whats more, by announcing their retirements so early, Burr, Toomey and Portman are giving the GOP as much time as possible to recruit potential candidates, shape the field of candidates in a strategic way in the invisible primary and raise more money for the open-seat campaign. And in Ohio specifically, Republicans still look like heavy favorites. Even in the Democratic-leaning environment of 2020, Trump won Ohio by 8 percentage points, implying that its true partisan lean is probably even more Republican-leaning. Ohio is simply not the quintessential swing state it once was; dating back to the 2014 election cycle, Democrats have won just one out of 14 statewide contests in Ohio and that was a popular incumbent running in a blue-wave election year .
Nathaniel Rakich and Geoffrey Skelley, FiveThirtyEight
Read Also: When Did The Republicans And Democrats Switch Platforms
Gop Women Made Big Gains
While the majority of the Republican caucus will still be men come 2021, there will be far more Republican women in Congress than there were this year. So far, it looks like at least 26 GOP women will be in the House next year, surpassing the record of 25 from the 109th Congress. Thats thanks in part to the record number of non-incumbent Republican women 15 whove won House contests. And its also because of how well Republican women did in tight races. The table below shows the Republican women who ran in Democratic-held House districts that were at least potentially competitive,1 according to FiveThirtyEights forecast. As of this writing, seven of them have won.
GOP women have flipped several Democratic seats
Republican women running for potentially competitive Democratic-held House seats and the status of their race as of 4:30 p.m Eastern on Nov. 11
District D+22.1
Results are unofficial. Races are counted as projected only if the projection comes from ABC News. Excludes races in which the Republican candidate has either a less than 1 in 100 chance or greater than 99 in 100 chance of winning.
Gerrymandering Texas Could Help Republicans Take Back The House In 2022
Trump has ‘no plans’ for third party but will help Republicans win back House and Senate in 2022
HOUSTON Fort Bend County was a sleepy suburban outpost of Houston when KP George arrived in the late 1990s, dominated by conservative politics and represented in Congress by Republican Party star Tom DeLay.
Twenty years later, the areas population has more than doubled in size, driven by fast-growing Asian, Latino and Black communities that in 2019 helped elect George an immigrant from southern India as Fort Bends first non-white county judge.
The wave of left-leaning voters that elevated George and other Democrats to local office in recent years may also help the area land a new congressional district. Texas gained two House seats in the 2020 U.S. Census, driven by a population boom in the Houston and Dallas-Fort Worth metropolitan regions, among other parts of the state.
But the Republican-controlled state legislature will be in charge of drawing the new districts, leaving Democrats on the sidelines, worried they may not benefit from the regions changing demographics.
You feel like youre not being counted, George said. My county is benefitting from people like me. But when it comes to the seat at the table , we dont have it.
Redistricting is a byzantine process that plays out behind closed doors, but the stakes are high. New congressional and state legislative lines will remain in place for the next decade, giving the parties that benefit most from redistricting considerable clout in policymaking and upcoming elections.
Read Also: Why Did Republicans Want To Remove President Johnson From Office
source https://www.patriotsnet.com/did-republicans-win-back-the-house/
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sandloading743 · 3 years
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Everfi Answer Guide
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Everfi Answer Key Module 4
Everfi Answer Key Module 2
Eenie meenie sicileeny lyrics. Everfi Troubleshooting Guide Author: Health Promotion, Student Life - University at Buffalo Subject: Information to help students resolve technical issues with the online alcohol and sexual assault prevention courses Keywords: sdfasf Created Date: 2022Z.
Download pes. The MassMutual Foundation has partnered with EVERFI to develop the FutureSmart Digital course, which offers critical financial literacy for middle and high school students across the United States, absolutely free of charge. FutureSmart provides financial literacy for kids in grades 6-8 and empowers them to effectively manage their finances. Everfi Financial LIteracy- Module 5 - Higher Education - Final Quiz Questions and Answers; Everfi - Summary of ALL Modules; Everfi - Flashcard; Everfi - Flashcard; Everfi Modules 5-7 Study Guide; Get instant access to all materials Become a Member.
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Everfi Answer Key Module 4
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Search result: Everfi Savings Module 2 Answers
Which of the following statements about credit scores is TRUE? Credit scores reflect how likely individuals are to repay their debts. Each person has three credit scores. All of the above. Which of the following correctly pairs a financing option..
https://ccstem.org/view/Everfi_Savings_Module_2_Answers
Establish monetary policy Pass monetary laws Collect taxes Print money 2 Which type of account will typically have the highest interest rate? The down payment. The interest rate. The lender. The total cost of the home. All of the following..
https://ccstem.org/view/Everfi.Savings.Module.2.Answers
The amount owned for borrowing money. Which of the following actions would enable him to earn MORE interest? Which compounding frequency will earn you the MOST money? Compounding daily. Which of the following is a type of savings vehicle? Certificate of Deposit Which of the following is generally true about savings vehicles? People should evaluate different forms of savings vehicles based on their needs.
Certificate of Deposit CD Purpose of a budget is to: Help plan how you will spend the money you earn or receive. Put aside money for savings each month. Establishing the federal budget 13 Which of the following is a unique feature of credit unions? Credit Unions are typically owned and run by their members; Credit unions limit membership to entertain people or groups 14 Which type of account is typically the MOST liquid? Higher; harder What part of a check is the least important? Memo line Which of the following represent typical account fees? Arm fees; service fee; minimum balance fee 18 What's the best strategy for avoiding ATM fees? Only use ATMs in your banks network 19 What's the purpose of balancing or monitoring your checking account? To help you calculate how much money you have in your account 20 The best way to ensure the accuracy and safety of your accounts is to? Monitor your online accounts regularly 21 Which of the following payment types require you to pay upfront?
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The 10 Senate seats most likely to flip in 2022 Senate challengers had their first big opportunity to impress last week, with first quarter fundraising reports due to the Federal Election Commission. Those who are proud of their hauls often announce them ahead of time, sometimes eager to keep would-be primary challengers at bay. And for incumbents, early fundraising numbers are an indication of how seriously they’re taking their races (or whether they’re even planning on running). Four of the 10 seats on CNN’s ranking are currently held by retiring Republican senators, including the newest addition to the list. Missouri wouldn’t have made it if Sen. Roy Blunt were running for a third term — and if a certain former disgraced governor weren’t running to replace him. (The Show Me State replaces the increasingly blue Colorado, where Democratic Sen. Michael Bennet hasn’t attracted any significant GOP challengers yet). Retirement remains a big question in Wisconsin, where GOP Sen. Ron Johnson has not said what his plans are. Open seats often make defending the seat more perilous (see Missouri) but Democrats are feeling increasingly confident that running against the conspiracy-peddling Johnson is an attractive option, and Wisconsin retains its spot as No. 3 on this list. The Senate race in Alaska — where GOP Sen. Lisa Murkowski hasn’t officially announced her reelection plans — is getting a lot of attention as the first major proxy battle between former President Donald Trump and Senate Minority Leader Mitch McConnell. But the contest still doesn’t make the top 10. Murkowski has proven she can overcome a challenge from the right, and the state’s new top-four ranked choice voting system may give her an advantage. The start of the second fundraising quarter likely means there’ll be a wave of new candidate announcements soon. But one factor to watch in several of these states is whether the top talent instead decides to go for the gubernatorial contests, which are often less nationalized (read: partisan) affairs, making it easier to be elected as a Democrat in a red state or a Republican in a blue state. Here is CNN’s second ranking of the 10 seats most likely to flip in 2022: 1. Pennsylvania Incumbent: Republican Pat Toomey (retiring) As an open seat that Biden carried last fall, Pennsylvania remains the seat most likely to flip in 2022 with Republican Sen. Pat Toomey not running for reelection. Democratic Lt. Gov. John Fetterman raised about $4 million in the first quarter — an impressive haul for the first three months of the off-year. But the former Braddock mayor is still going to have competition for the Democratic nomination. He got a reminder of that late last month when the current mayor of the western Pennsylvania town endorsed one of his opponents, state Rep. Malcolm Kenyatta from Philadelphia, who raised just $374,000 in the first quarter. The field is still growing, with Montgomery County Commissioner Val Arkoosh launching her campaign earlier this month. Yet another Philadelphia politician, state Sen. Sharif Street, announced an exploratory committee, while members of the congressional delegation, like Reps. Conor Lamb, Chrissy Houlahan and Madeleine Dean, are eyeing the race, although they also have redistricting on their minds and would probably have to forgo reelection before knowing what their House districts look like in 2022. So far, it’s mainly businessman Jeff Bartos running on the Republican side, who raised about $792,000 and loaned his campaign $400,000 in the first quarter, although current and former members of the congressional delegation could still join that contest too, as could several former Trump officials. While Democrats may be contending with a messy primary, they see the wide interest in the seat as a sign of the opportunity to flip it. 2. Georgia Incumbent: Democrat Raphael Warnock Months after twin Senate runoffs here flipped control of the Senate to Democrats, Georgia continues to be the center of the political universe, this time with a controversial election law that has led major corporations to boycott the state and the President to condemn it as “Jim Crow in the 21st century.” While voting rights advocates say the law makes it harder to vote for Black Georgians — a key part of Democrats’ winning constituency in this longtime red state — it may also embolden minority voters to turn out, which has traditionally been a problem for Democrats in midterms. It could also inspire liberal donors to keep Georgia in their checkbooks, despite the state not being a presidential battleground this cycle. That would all be good news for Sen. Raphael Warnock, who won this seat by just 2 points in the January special runoff election and is running for a full six-year term. He’s already well-positioned financially, heading into the second quarter with $5.6 million in the bank. But Republicans argue that Warnock and voting rights activist Stacey Abrams — who may also be on the ballot next year if she runs for governor again — will be punished for the economic hit to the state from corporations siding with their opposition to the law and boycotting Georgia. The GOP field is still taking shape, but this is one place Republicans are on offense where they feel good about a deep bench of potential candidates. Warnock’s opponents from last fall, former Sen. Kelly Loeffler and former Rep. Doug Collins, are eyeing the race, and GOP Rep. Drew Ferguson — a member of House GOP leadership — may also be a contender. The big question is how Trump will get involved in this race given his penchant for meddling in Georgia politics. As CNN reported last month, he’s pitched former NFL running back Herschel Walker, who lives in Texas, to run here. 3. Wisconsin Incumbent: Republican Ron Johnson GOP Sen. Ron Johnson remains very vulnerable as the only incumbent running for reelection in a state carried by the opposite party’s presidential nominee in 2020. And he doesn’t seem to be doing himself any favors, giving voice to an elongating string of conspiracy theories about the 2020 election and the January 6 insurrection. But he still hasn’t said whether he’s running for reelection. He raised about $545,000 in the first three months of the year after ending 2020 with just half a million dollars in the bank. His quarterly haul is much less than he had raised during the same period the last time he was facing reelection (about $1.3 million in the first quarter of 2015.) A prominent Republican is pushing him to stick around: “Run, Ron, Run!” Trump said in a statement earlier this month. If Johnson doesn’t run, Republicans will be in the same boat as Democrats — trying to navigate a late primary, which could suck up candidate resources ahead of what’s sure to be an expensive general election. On the Democratic side, Milwaukee Bucks executive Alex Lasry raised about $1 million (including a $50,000 personal loan) after getting into the race mid-quarter. Outagamie County Executive Tom Nelson, a former lieutenant governor nominee, raised about $264,000. And a new fundraising quarter brought a new candidate: state Treasurer Sarah Godlewski is running on a message about fighting climate change, raising the minimum wage and ending the filibuster. “Instead of conspiracy theories, we can focus on actually helping families,” she says in her announcement video, calling out Johnson and his defense of Trump. While Republicans wait to see what their incumbent does, they’re also eager to see what Democratic Lt. Gov. Mandela Barnes decides, believing he’d be a formidable opponent regardless of who their candidate is. 4. North Carolina Incumbent: Republican Richard Burr (retiring) Democrats have fallen short in North Carolina Senate races lately, and Republicans feel better about holding a seat in this Trump state than they do in either Pennsylvania or Wisconsin. But with Sen. Richard Burr not running again, there’s more of a chance Democrats could pick it off. State Sen. Jeff Jackson is already running, as is former state Sen. Erica Smith, whom Republicans tried to boost in last year’s primary. But two other Black women could soon change the dynamics. Cheri Beasley, the former state Supreme Court chief justice who narrowly lost reelection in 2020, has been expected to announce this month and would be a formidable candidate. Former NASA astronaut Joan Higginbotham — the third Black woman to go into space — could also enter the race soon. North Carolina Republicans interested in the race rushed to criticize Burr’s vote to convict Trump earlier this year, all eager to proclaim their Trumpiness in a state he won, but it remains to be seen if an actual Trump will enter the race. Lara Trump, the ex-President’s daughter-in-law, may have taken herself out of the running by signing a deal with Fox News. Former Rep. Mark Walker (who raised only $208,000 in the first quarter) got some company when former Gov. Pat McCrory entered the race last week with an announcement video saying, “It’s time we join together and take back the Senate from Kamala Harris.” The former governor, perhaps best known for backing the state’s so-called bathroom bill, lost reelection in 2016 when Trump carried the state. The field is still likely to grow here, especially if Trump passes on the race. 5. Arizona Incumbent: Democrat Mark Kelly Mark Kelly, who just won this seat last fall, raised $4.4 million in the first quarter for his quest to win a full six-year term. Kelly only won by about 2 points and Biden only narrowly carried the Grand Canyon State last year, so it’s by no means a slam dunk for Democrats to hold this seat. But it’s not yet clear who Republicans have to run against the former astronaut. Gov. Doug Ducey, who’s been censured by the state party, has said he’s not interested in running for Senate, leaving a fractured GOP without an obvious candidate who could win the general election against a first-time politician who seems to be following a moderate path in Congress. The governor’s race could also attract Republicans who would rather run in an open race than face such a strong Senate fundraiser. Rep. Andy Biggs, the chairman of the hardline conservative House Freedom Caucus, could challenge Kelly, but while he’d likely appeal to the base, he might struggle to appeal to some more moderate suburban voters. With a late primary, there’s still plenty of time for Republicans who have ruled it out to change their minds or new folks to jump in, but that late primary also means that Kelly will have a significant head start on the eventual GOP nominee. 6. Nevada Incumbent: Democrat Catherine Cortez Masto Sen. Catherine Cortez Masto is facing her first reelection. On the Republican side, former Nevada Attorney General Adam Laxalt, whom sources told CNN last month is considering it, is the name everyone’s waiting on. He’s a former statewide elected official and could gain traction in a state Biden only narrowly carried last fall. Democrats argue, however, that Laxalt would be motivating to voters on the left since he’s been a Trump defender, helping bring various lawsuits over the 2020 election. Republicans admit their chances here will largely depend on what the environment looks like next year. Cortez Masto, meanwhile, fresh off a term as chair of the Democratic Senatorial Campaign Committee, raised $2.3 million in the first quarter and has nearly $4.7 million in the bank. 7. New Hampshire Incumbent: Democrat Maggie Hassan Republicans feel increasingly bullish about the Granite State because of the chance that Gov. Chris Sununu will enter the race. But he hasn’t yet, which means this race is staying where it is on the list for now. New Hampshire voted for Biden last fall — by a significantly larger margin than it did for Hillary Clinton in 2016. Of the most competitive seats Democrats are defending, it’s the one that Biden carried the most comfortably. That said, Sununu has the name recognition and profile to make this a real race for first-term Sen. Maggie Hassan, who raised nearly $3 million in the first quarter. The GOP governor has likely frozen the field until he makes anything official, which he has said he wouldn’t do until after the end of the legislative session in June. There’s plenty of time for the field to take shape here too — New Hampshire is another state with a late primary — but if and when Sununu gets in, expect this race to get much more competitive. 8. Ohio Incumbent: Republican Rob Portman (retiring) While the Democratic field may be shrinking here, the Republican field is growing bigger — and messier — as candidates trip over each other to claim the Trump mantle in a state he won comfortably twice. The most public sparring has been between former state Treasurer Josh Mandel and former state party chair Jane Timken, but there are others who are tying themselves to the former President, too. Businessman Bernie Moreno recently announced his campaign, touting the involvement of Kellyanne Conway and some other former Trump officials. Businessman Mike Gibbons, who lost the 2018 primary to Mandel, launched another bid. And members of the delegation are still eyeing the race, like Rep. Mike Turner, who recently tweeted a polished bio video. Another big name who could shake up the race is “Hillbilly Elegy” author JD Vance. If he runs, he’ll benefit from a super PAC that Peter Thiel has already kicked $10 million into. On the Democratic side, former State Health Director Amy Acton, a Democrat who served in a GOP administration, has passed on the race, likely leaving Rep. Tim Ryan — who hasn’t yet officially launched — the biggest name. Republicans are relieved Acton is out and feel better about running against someone with a voting record. Ryan raised $1.2 million in the first quarter — an impressive sum for a House incumbent but less than the impressive sums some Senate Democratic challengers have recently posted. 9. Florida Incumbent: Republican Marco Rubio Trump’s endorsement of the incumbent likely removes one major headache that Sen. Marco Rubio could have faced: a Trumpier primary challenger, who, at the very least, could have cost Rubio some extra money defending himself, and in the worst case scenario for Republicans, put the seat at greater risk. But with the former President (and Florida resident) behind Rubio, Republicans feel good about this seat even though Trump only carried the state by 3 points, less than he won Ohio. Rubio has a track record of success here, whereas Democrats don’t yet know their candidate. As a moderate with a compelling personal story, Blue Dog Coalition cho-chair Stephanie Murphy could make this race competitive. She’s considering but hasn’t entered the race yet, and while others could still get in too, the governor’s race may also attract some top talent. 10. Missouri Incumbent: Republican Roy Blunt (retiring) Missouri wouldn’t be on this list if it weren’t for one man: former Gov. Eric Greitens, who unabashedly launched a pro-Trump Senate campaign after Sen. Roy Blunt announced he wasn’t running for reelection. Greitens resigned from office following a probe into allegations of sexual and campaign misconduct, leading to Republican fears that he could endanger the Senate seat (and the rest of the map next year). That kind of situation isn’t without precedent: in 2012, Todd Akin cost Republicans the Show Me State and became a name GOP nominees around the country had to answer for. Sen. Josh Hawley — an avowed Greitens enemy — is said to be working behind the scenes against him. But the announcement of Kimberly Guilfoyle as the national chair of Greitens’ campaign boosts his pro-Trump bona fides in a primary. Missouri Attorney General Eric Schmitt is also running, and several members of the delegation are eyeing the race, but the more people who get in, the more the anti-Greitens vote will be split. On the Democratic side, state Sen. Scott Sifton was already running, while Marine veteran Lucas Kunce, a progressive who says “It’s time to Marshall Plan the Midwest,” announced after Blunt said he was retiring. Several bigger names, like former Sen. Claire McCaskill and 2016 nominee Jason Kander, who only lost to Blunt by 3 points, have passed. For now, the possibility that Greitens’ candidacy entices some bigger-name Democratic candidates (even those who have already ruled it out) into the race or eventually becomes the GOP nominee is enough to land Missouri a spot on this list. Source link Orbem News #Flip #Politics #seats #Senate #The10Senateseatsmostlikelytoflipin2022-CNNPolitics
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dipulb3 · 3 years
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The 10 Senate seats most likely to flip in 2022
New Post has been published on https://appradab.com/the-10-senate-seats-most-likely-to-flip-in-2022/
The 10 Senate seats most likely to flip in 2022
Senate challengers had their first big opportunity to impress last week, with first quarter fundraising reports due to the Federal Election Commission. Those who are proud of their hauls often announce them ahead of time, sometimes eager to keep would-be primary challengers at bay. And for incumbents, early fundraising numbers are an indication of how seriously they’re taking their races (or whether they’re even planning on running).
Four of the 10 seats on Appradab’s ranking are currently held by retiring Republican senators, including the newest addition to the list. Missouri wouldn’t have made it if Sen. Roy Blunt were running for a third term — and if a certain former disgraced governor weren’t running to replace him. (The Show Me State replaces the increasingly blue Colorado, where Democratic Sen. Michael Bennet hasn’t attracted any significant GOP challengers yet).
Retirement remains a big question in Wisconsin, where GOP Sen. Ron Johnson has not said what his plans are. Open seats often make defending the seat more perilous (see Missouri) but Democrats are feeling increasingly confident that running against the conspiracy-peddling Johnson is an attractive option, and Wisconsin retains its spot as No. 3 on this list.
The Senate race in Alaska — where GOP Sen. Lisa Murkowski hasn’t officially announced her reelection plans — is getting a lot of attention as the first major proxy battle between former President Donald Trump and Senate Minority Leader Mitch McConnell. But the contest still doesn’t make the top 10. Murkowski has proven she can overcome a challenge from the right, and the state’s new top-four ranked choice voting system may give her an advantage.
The start of the second fundraising quarter likely means there’ll be a wave of new candidate announcements soon. But one factor to watch in several of these states is whether the top talent instead decides to go for the gubernatorial contests, which are often less nationalized (read: partisan) affairs, making it easier to be elected as a Democrat in a red state or a Republican in a blue state.
Here is Appradab’s second ranking of the 10 seats most likely to flip in 2022:
1. Pennsylvania
Incumbent: Republican Pat Toomey (retiring)
As an open seat that Biden carried last fall, Pennsylvania remains the seat most likely to flip in 2022 with Republican Sen. Pat Toomey not running for reelection. Democratic Lt. Gov. John Fetterman raised about $4 million in the first quarter — an impressive haul for the first three months of the off-year. But the former Braddock mayor is still going to have competition for the Democratic nomination. He got a reminder of that late last month when the current mayor of the western Pennsylvania town endorsed one of his opponents, state Rep. Malcolm Kenyatta from Philadelphia, who raised just $374,000 in the first quarter. The field is still growing, with Montgomery County Commissioner Val Arkoosh launching her campaign earlier this month. Yet another Philadelphia politician, state Sen. Sharif Street, announced an exploratory committee, while members of the congressional delegation, like Reps. Conor Lamb, Chrissy Houlahan and Madeleine Dean, are eyeing the race, although they also have redistricting on their minds and would probably have to forgo reelection before knowing what their House districts look like in 2022. So far, it’s mainly businessman Jeff Bartos running on the Republican side, who raised about $792,000 and loaned his campaign $400,000 in the first quarter, although current and former members of the congressional delegation could still join that contest too, as could several former Trump officials. While Democrats may be contending with a messy primary, they see the wide interest in the seat as a sign of the opportunity to flip it.
2. Georgia
Incumbent: Democrat Raphael Warnock
Months after twin Senate runoffs here flipped control of the Senate to Democrats, Georgia continues to be the center of the political universe, this time with a controversial election law that has led major corporations to boycott the state and the President to condemn it as “Jim Crow in the 21st century.” While voting rights advocates say the law makes it harder to vote for Black Georgians — a key part of Democrats’ winning constituency in this longtime red state — it may also embolden minority voters to turn out, which has traditionally been a problem for Democrats in midterms. It could also inspire liberal donors to keep Georgia in their checkbooks, despite the state not being a presidential battleground this cycle. That would all be good news for Sen. Raphael Warnock, who won this seat by just 2 points in the January special runoff election and is running for a full six-year term. He’s already well-positioned financially, heading into the second quarter with $5.6 million in the bank. But Republicans argue that Warnock and voting rights activist Stacey Abrams — who may also be on the ballot next year if she runs for governor again — will be punished for the economic hit to the state from corporations siding with their opposition to the law and boycotting Georgia. The GOP field is still taking shape, but this is one place Republicans are on offense where they feel good about a deep bench of potential candidates. Warnock’s opponents from last fall, former Sen. Kelly Loeffler and former Rep. Doug Collins, are eyeing the race, and GOP Rep. Drew Ferguson — a member of House GOP leadership — may also be a contender. The big question is how Trump will get involved in this race given his penchant for meddling in Georgia politics. As Appradab reported last month, he’s pitched former NFL running back Herschel Walker, who lives in Texas, to run here.
3. Wisconsin
Incumbent: Republican Ron Johnson
GOP Sen. Ron Johnson remains very vulnerable as the only incumbent running for reelection in a state carried by the opposite party’s presidential nominee in 2020. And he doesn’t seem to be doing himself any favors, giving voice to an elongating string of conspiracy theories about the 2020 election and the January 6 insurrection. But he still hasn’t said whether he’s running for reelection. He raised about $545,000 in the first three months of the year after ending 2020 with just half a million dollars in the bank. His quarterly haul is much less than he had raised during the same period the last time he was facing reelection (about $1.3 million in the first quarter of 2015.) A prominent Republican is pushing him to stick around: “Run, Ron, Run!” Trump said in a statement earlier this month. If Johnson doesn’t run, Republicans will be in the same boat as Democrats — trying to navigate a late primary, which could suck up candidate resources ahead of what’s sure to be an expensive general election. On the Democratic side, Milwaukee Bucks executive Alex Lasry raised about $1 million (including a $50,000 personal loan) after getting into the race mid-quarter. Outagamie County Executive Tom Nelson, a former lieutenant governor nominee, raised about $264,000. And a new fundraising quarter brought a new candidate: state Treasurer Sarah Godlewski is running on a message about fighting climate change, raising the minimum wage and ending the filibuster. “Instead of conspiracy theories, we can focus on actually helping families,” she says in her announcement video, calling out Johnson and his defense of Trump. While Republicans wait to see what their incumbent does, they’re also eager to see what Democratic Lt. Gov. Mandela Barnes decides, believing he’d be a formidable opponent regardless of who their candidate is.
4. North Carolina
Incumbent: Republican Richard Burr (retiring)
Democrats have fallen short in North Carolina Senate races lately, and Republicans feel better about holding a seat in this Trump state than they do in either Pennsylvania or Wisconsin. But with Sen. Richard Burr not running again, there’s more of a chance Democrats could pick it off. State Sen. Jeff Jackson is already running, as is former state Sen. Erica Smith, whom Republicans tried to boost in last year’s primary. But two other Black women could soon change the dynamics. Cheri Beasley, the former state Supreme Court chief justice who narrowly lost reelection in 2020, has been expected to announce this month and would be a formidable candidate. Former NASA astronaut Joan Higginbotham — the third Black woman to go into space — could also enter the race soon. North Carolina Republicans interested in the race rushed to criticize Burr’s vote to convict Trump earlier this year, all eager to proclaim their Trumpiness in a state he won, but it remains to be seen if an actual Trump will enter the race. Lara Trump, the ex-President’s daughter-in-law, may have taken herself out of the running by signing a deal with Fox News. Former Rep. Mark Walker (who raised only $208,000 in the first quarter) got some company when former Gov. Pat McCrory entered the race last week with an announcement video saying, “It’s time we join together and take back the Senate from Kamala Harris.” The former governor, perhaps best known for backing the state’s so-called bathroom bill, lost reelection in 2016 when Trump carried the state. The field is still likely to grow here, especially if Trump passes on the race.
5. Arizona
Incumbent: Democrat Mark Kelly
Mark Kelly, who just won this seat last fall, raised $4.4 million in the first quarter for his quest to win a full six-year term. Kelly only won by about 2 points and Biden only narrowly carried the Grand Canyon State last year, so it’s by no means a slam dunk for Democrats to hold this seat. But it’s not yet clear who Republicans have to run against the former astronaut. Gov. Doug Ducey, who’s been censured by the state party, has said he’s not interested in running for Senate, leaving a fractured GOP without an obvious candidate who could win the general election against a first-time politician who seems to be following a moderate path in Congress. The governor’s race could also attract Republicans who would rather run in an open race than face such a strong Senate fundraiser. Rep. Andy Biggs, the chairman of the hardline conservative House Freedom Caucus, could challenge Kelly, but while he’d likely appeal to the base, he might struggle to appeal to some more moderate suburban voters. With a late primary, there’s still plenty of time for Republicans who have ruled it out to change their minds or new folks to jump in, but that late primary also means that Kelly will have a significant head start on the eventual GOP nominee.
6. Nevada
Incumbent: Democrat Catherine Cortez Masto
Sen. Catherine Cortez Masto is facing her first reelection. On the Republican side, former Nevada Attorney General Adam Laxalt, whom sources told Appradab last month is considering it, is the name everyone’s waiting on. He’s a former statewide elected official and could gain traction in a state Biden only narrowly carried last fall. Democrats argue, however, that Laxalt would be motivating to voters on the left since he’s been a Trump defender, helping bring various lawsuits over the 2020 election. Republicans admit their chances here will largely depend on what the environment looks like next year. Cortez Masto, meanwhile, fresh off a term as chair of the Democratic Senatorial Campaign Committee, raised $2.3 million in the first quarter and has nearly $4.7 million in the bank.
7. New Hampshire
Incumbent: Democrat Maggie Hassan
Republicans feel increasingly bullish about the Granite State because of the chance that Gov. Chris Sununu will enter the race. But he hasn’t yet, which means this race is staying where it is on the list for now. New Hampshire voted for Biden last fall — by a significantly larger margin than it did for Hillary Clinton in 2016. Of the most competitive seats Democrats are defending, it’s the one that Biden carried the most comfortably. That said, Sununu has the name recognition and profile to make this a real race for first-term Sen. Maggie Hassan, who raised nearly $3 million in the first quarter. The GOP governor has likely frozen the field until he makes anything official, which he has said he wouldn’t do until after the end of the legislative session in June. There’s plenty of time for the field to take shape here too — New Hampshire is another state with a late primary — but if and when Sununu gets in, expect this race to get much more competitive.
8. Ohio
Incumbent: Republican Rob Portman (retiring)
While the Democratic field may be shrinking here, the Republican field is growing bigger — and messier — as candidates trip over each other to claim the Trump mantle in a state he won comfortably twice. The most public sparring has been between former state Treasurer Josh Mandel and former state party chair Jane Timken, but there are others who are tying themselves to the former President, too. Businessman Bernie Moreno recently announced his campaign, touting the involvement of Kellyanne Conway and some other former Trump officials. Businessman Mike Gibbons, who lost the 2018 primary to Mandel, launched another bid. And members of the delegation are still eyeing the race, like Rep. Mike Turner, who recently tweeted a polished bio video. Another big name who could shake up the race is “Hillbilly Elegy” author JD Vance. If he runs, he’ll benefit from a super PAC that Peter Thiel has already kicked $10 million into. On the Democratic side, former State Health Director Amy Acton, a Democrat who served in a GOP administration, has passed on the race, likely leaving Rep. Tim Ryan — who hasn’t yet officially launched — the biggest name. Republicans are relieved Acton is out and feel better about running against someone with a voting record. Ryan raised $1.2 million in the first quarter — an impressive sum for a House incumbent but less than the impressive sums some Senate Democratic challengers have recently posted.
9. Florida
Incumbent: Republican Marco Rubio
Trump’s endorsement of the incumbent likely removes one major headache that Sen. Marco Rubio could have faced: a Trumpier primary challenger, who, at the very least, could have cost Rubio some extra money defending himself, and in the worst case scenario for Republicans, put the seat at greater risk. But with the former President (and Florida resident) behind Rubio, Republicans feel good about this seat even though Trump only carried the state by 3 points, less than he won Ohio. Rubio has a track record of success here, whereas Democrats don’t yet know their candidate. As a moderate with a compelling personal story, Blue Dog Coalition cho-chair Stephanie Murphy could make this race competitive. She’s considering but hasn’t entered the race yet, and while others could still get in too, the governor’s race may also attract some top talent.
10. Missouri
Incumbent: Republican Roy Blunt (retiring)
Missouri wouldn’t be on this list if it weren’t for one man: former Gov. Eric Greitens, who unabashedly launched a pro-Trump Senate campaign after Sen. Roy Blunt announced he wasn’t running for reelection. Greitens resigned from office following a probe into allegations of sexual and campaign misconduct, leading to Republican fears that he could endanger the Senate seat (and the rest of the map next year). That kind of situation isn’t without precedent: in 2012, Todd Akin cost Republicans the Show Me State and became a name GOP nominees around the country had to answer for. Sen. Josh Hawley — an avowed Greitens enemy — is said to be working behind the scenes against him. But the announcement of Kimberly Guilfoyle as the national chair of Greitens’ campaign boosts his pro-Trump bona fides in a primary. Missouri Attorney General Eric Schmitt is also running, and several members of the delegation are eyeing the race, but the more people who get in, the more the anti-Greitens vote will be split. On the Democratic side, state Sen. Scott Sifton was already running, while Marine veteran Lucas Kunce, a progressive who says “It’s time to Marshall Plan the Midwest,” announced after Blunt said he was retiring. Several bigger names, like former Sen. Claire McCaskill and 2016 nominee Jason Kander, who only lost to Blunt by 3 points, have passed. For now, the possibility that Greitens’ candidacy entices some bigger-name Democratic candidates (even those who have already ruled it out) into the race or eventually becomes the GOP nominee is enough to land Missouri a spot on this list.
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patriotsnet · 3 years
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Did Republicans Win Back The House
New Post has been published on https://www.patriotsnet.com/did-republicans-win-back-the-house/
Did Republicans Win Back The House
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Republicans Secure Half Of Total Us Senate Seats
How Republicans can win back the White House
WASHINGTON U.S. Republican Senator Dan Sullivan of Alaska won reelection Wednesday, assuring Republicans of at least 50 seats in the 100-member Senate for the next two years, while leaving control of the chamber uncertain until two runoff elections are held in Georgia in early January.
After slow vote-counting in the northwestern-most state of the U.S. after the November 3 election, news media concluded that Sullivan had an insurmountable lead over Al Gross, an orthopedic surgeon who ran as an independent candidate with Democratic support. The contest was called with Sullivan, a conservative, ahead by 20 percentage points.
With Republicans assured of at least half the Senate seats, attention now turns to the two January 5 runoff elections in the southern state of Georgia.
Two conservative Republican lawmakers Senators David Perdue and Kelly Loeffler now hold the two seats, but both failed in separate contests last week to win a majority, forcing them into the runoffs.
Perdue faces Democrat Jon Ossoff, an investigative journalist who narrowly lost a 2017 race for a seat in the House of Representatives before trying to oust Perdue from the Senate seat he has held since 2015.
Loeffler, who was appointed to her Senate seat in early 2020, is facing Raphael Warnock, a progressive Democrat who is senior pastor at Ebenezer Baptist Church in Atlanta.
An Incoming Class Of History
Several of the newly elected state representatives are making history.;
The Republican Madison Cawthorn, 25, who beat the Democrat Moe Davis to represent North Carolina’s 11th Congressional District, will become the youngest member of Congress in modern history.
The Democrat Cori Bush is set to become the first Black congresswoman from Missouri after winning in the state’s 1st Congressional District.
The Democrats Mondaire Jones and Ritchie Torres will also be the first openly gay Black men to serve in Congress, after winning in New York’s 17th and 15th districts respectively.
And nine out of the eleven Republicans who have so far unseated incumbent Democrats are women wins that will drastically expand the representation of women and especially of women of color in the House Republican caucus.
Currently, there are just 13 voting female Republican representatives in the House and 11 female Republican incumbents who ran for reelection in 2020.
‘the Squad’ Coasts To Reelection
Three high-profile Democratic members of “the squad” in the House of Representatives held their seats in a comfortable fashion.
Rep. Alexandria Ocasio-Cortez will continue to represent New York’s 14th District, defeating the Republican John Cummings by a wide margin, while Rep. Ilhan Omar also ran well ahead of the Republican Lacy Johnson in the race to represent Minnesota’s 5th District.
Rep. Rashida Tlaib also defeated her Republican challenger, David Dudenhoefer, and will continue to represent Michigan’s 13th Congressional District.
You May Like: What Do Republicans And Democrats Believe In
The Midterms Introduced Extreme Divisive Politics
As for the contract’s lasting impact? Most of its ideas and proposals did not pass Congress, or were vetoed by Clinton, and, according to Teske, the ones that did pass were not radical departures and instead relatively minor in scope. But it did put Republicans back in power in Congress, which they’ve largely held onto in the years since.
“The Gingrich approach of extreme right ideas, combined with a scorched-earth personal level of politics in attacking opponentslater seen in Clintons investigations and impeachmenthas also had a major impact on American politics” he says. “It helped bring a much more ‘win at all costs’ mentality, and a divisiveness that persists today.”
Climate Deniers In The 117th Congress
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According to new analysis from the Center for American Progress, there are still 139 elected officials in the 117th Congress, including 109 representatives and 30 senators, who refuse to acknowledge the scientific evidence of human-caused climate change. All 139 of these climate-denying elected officials have made recent statements casting doubt on the clear, established scientific consensus that the world is warmingand that human activity is to blame. These same 139 climate-denying members have received more than $61 million in lifetime contributions from the coal, oil, and gas industries.
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Senate Republican Leader Says Narrow Democratic Control Of House And Senate Makes Push Against President Impractical
Republican Senate Minority Leader Mitch McConnell said on Wednesday, I think we have a good chance of winning that election next year.
Senate Minority Leader Mitch McConnell said Republican calls for removing President Biden from office over the Afghanistan withdrawal were impractical, urging GOP voters to focus instead on winning back the House and Senate in next years midterm elections.
Look, there isnt going to be an impeachment, but I think we have a good chance of winning that election next year, Mr. McConnell said in remarks in his home state on Wednesday, in which he noted that Democrats could block any push to remove the president.
Why Did House Democrats Underperform Compared To Joe Biden
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The results of the 2020 elections pose several puzzles, one of which is the gap between Joe Bidens handsome victory in the presidential race and the Democrats disappointing performance in the House of Representatives. Biden enjoyed an edge of 7.1 million votes over President Trump, while the Democrats suffered a loss of 13 seats in the House, reducing their margin from 36 to just 10.
Turnout in the 2018 mid-term election reached its highest level in more than a century. Democrats were fervently opposed to the Trump administration and turned out in droves. Compared to its performance in 2016, the partys total House vote fell by only 2%. Without Donald Trump at the head of the ticket, Republican voters were much less enthusiastic, and the total House vote for Republican candidates fell by nearly 20% from 2016. Democratic candidates received almost 10 million more votes than Republican candidates, a margin of 8.6%, the highest ever for a party that was previously in the minority. It was, in short, a spectacular year for House Democrats.
To understand the difference this Democratic disadvantage can make, compare the 2020 presidential and House results in five critical swing states.
Table 1: Presidential versus House results
Arizona
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Rep Emmer On Why He Thinks Republicans Will Win The House
Minnesota Rep. Tom Emmer chairs the National Republican Congressional Committee and is leading the GOPs efforts to win control of the House in November. Emmer joins Judy Woodruff from Minneapolis to discuss his reaction to the Republican National Convention so far and why he thinks his party will win a majority in the House this fall.
Republicans Are Watching Their States Back Weed And Theyre Not Sold
Trump to decide on 2024 presidential run once Republicans ‘take back the House’
Montana, South Dakota and Mississippi are among the states that have recently passed legalization referendums.
06/27/2021 07:01 AM EDT
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A growing number of Republican senators represent states that have legalized recreational or medical cannabis six approved or expanded marijuana in some form just since November. But without their support in Congress to make up for likely Democratic defectors, weed falls critically short of the 60 votes needed to advance legislation.
Montanas Steve Daines and South Dakotas Mike Rounds, both Republicans, said they dont support comprehensive federal cannabis reform, no matter what voters back home voted for.
I oppose it, said Daines, who is otherwise a lead sponsor of the SAFE Banking Act, which would make it easier for the cannabis industry to access financial services, such as bank accounts and small business loans. The people in Montana decided they want to have it legal in our state, and thats why I support the SAFE Banking Act as well its the right thing to do but I dont support federal legalization.
Senate Majority Leader Chuck Schumer is vowing to push a far-reaching federal legalization bill, even if President Joe Biden isnt on board. But before he can corner the White House on the issue, Schumer must convince at least 10 Republicans possibly more, since Democrats like Sens. Jon Tester and Jeanne Shaheen are unlikely to back the measure to join his cause.
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The 147 Republicans Who Voted To Overturn Election Results
By Karen Yourish,;Larry Buchanan and Denise LuUpdated January 7, 2021
When a mob of President Trumps supporters stormed the Capitol building on Wednesday, they forced an emergency recess in the Congressional proceedings to officially certify the results of the 2020 presidential election. The disruption came shortly after some Republican lawmakers made the first of a planned series of highly unusual objections, based on spurious allegations of widespread voter fraud, to states election results. The chambers were separately debating an objection to Arizonas results when proceedings were halted and the Capitol was locked down.
When the Senate reconvened at 8 p.m., and the House of Representatives an hour later, the proceedings including the objection debates continued, although some lawmakers who had previously planned to vote with the objectors stood down following the occupation of the Capitol. Plans to challenge a number of states after Arizona were scrapped, as well but one other objection, to Pennsylvanias results, also advanced to a vote. Here are the eight senators and 139 representatives who voted to sustain one or both objections.
Trump Lost Everything For The Republicans
In four years, Trump has led the Republican Party from unified control of Washington to the wilderness.
About the author: David A. Graham is a staff writer at The Atlantic.
If we nominate Trump, we will get destroyed and we will deserve it, Senator Lindsey Graham tweeted on May 16, 2016.
The South Carolinians prediction didnt age well at first. Come January 2017, the Republican Party was in the catbird seat. With Trumps upset win over the Democratic candidate, Hillary Clinton, it controlled the White House, the Senate, and the House of Representatives. Trump would immediately be able to appoint a Supreme Court justice, too, giving GOP appointees an edge on the high court. Trump seemed to have cleared out the last vestiges of the Democrats New Deal coalition and built a new party that might withstand demographic changes expected to favor liberals. Graham, meanwhile, had a change of heart and became one of Trumps noisiest cheerleaders and closest allies.
Nonetheless, Trump insisted on making the Georgia Senate runoffs about him too. The effect was disastrous. Democrats, especially Black voters, turned out in astonishing numbers; suburban voters continued to reject Trump; and Republican turnout fell short, perhaps in part because the president had spent weeks telling his supporters that the states elections were rigged.
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President Clinton And Hillary Clinton Were Campaign Targets
Teske adds that Republicans had some easy “targets to attack,” from the unpopular, early years of President Bill Clinton, to the Hillary Clinton-led health care proposal to individual corruption cases in Congress.
The overarching goal of the contract involved cutting taxes, reducing the size of government and reducing government regulations, taking aim at Congress, itself, to be more transparent, less corrupt and more open with the public.
“Essentially, it claimed that it would ‘drain the swamp’though they didnt use that term, in terms of what Donald Trump would later articulate,”;Teske;says. “If successful, the contract specified 10 bills they would bring up for votes in the first 100 days, including a balanced budget amendment, term limits, social security reform and others.”
The 2024 Presidential Election Will Be Close Even If Trump Is The Gop Nominee
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One very important thing we should have all taken away from both the 2016 and 2020 presidential contests is that the two major parties are in virtual equipose . The ideological sorting-out of the two parties since the 1960s has in turn led to extreme partisan polarization, a decline in ticket-splitting and and in number of genuine swing voters. Among other things, this has led to an atmosphere where Republicans have paid little or no price for the extremism theyve disproportionately exhibited, or for the bad conduct of their leaders, most notably the 45th president.
Indeed, the polarized climate encourages outlandish and immoral base mobilization efforts of the sort Trump deployed so regularly. Some Republicans partisans shook their heads sadly and voted the straight GOP ticket anyway, And to the extent there were swing voters they tended strongly to believe that both parties were equally guilty of excessive partisanship, and/or that all politicians are worthless scum, so why not vote for the worthless scum under whom the economy hummed?
The bottom line is that anyone who assumes Republicans are in irreversible decline in presidential elections really hasnt been paying attention.
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Republicans Won All 27 House Races Listed As ‘toss
Republicans won all 27 House races the Cook Political Report rated as toss-ups in its 2020 election analysis, in addition to picking up seven of the 36 seats the outlet rated as likely Democrat” or “lean Democrat.
The House count stands at 221D-209R, and here are my information ratings of the five outstanding races following todays developments, Cook Political Report editor Dave Wasserman said on Twitter. #CA21 – Likely R, #CA25 – Lean R, #IA02 – Lean R , #NJ07 – Likely D, #NY22 – Toss Up.
The House count stands at 221D-209R, and here are my informal ratings of the five outstanding races following todays developments:#CA21 – Likely R#CA25 – Lean R#IA02 – Lean R #NJ07 – Likely D#NY22 – Toss Up
Dave Wasserman
Before the election, the Cook Political Report listed 229 seats as either solid Democrat, likely Democrat, or lean Democrat to go along with the 26 toss-ups. As of Thursday, the partys best hope is for 226 seats, though the Cook Political Report rates 223 as the most likely outcome.
The results represent a major disappointment for Democrats, who grew increasingly confident of a blue wave leading up to Election Day that would give them an expanded House majority.
This year, Im trying to win it two years in advance by being so substantial in this election that as soon as we start into the next year, people will see our strength, House Speaker Nancy Pelosi said one week before Election Day.
Effect Of Republican Retirements
Indeed, 2020 was actually a Democratic-leaning year, with Biden winning the national popular vote by 4.5 percentage points. So theres a good chance that states will be at least a bit redder in 2022 than they were in 2020.
That could make these retirements less of a blow to Republicans than they first appear. Whats more, by announcing their retirements so early, Burr, Toomey and Portman are giving the GOP as much time as possible to recruit potential candidates, shape the field of candidates in a strategic way in the invisible primary and raise more money for the open-seat campaign. And in Ohio specifically, Republicans still look like heavy favorites. Even in the Democratic-leaning environment of 2020, Trump won Ohio by 8 percentage points, implying that its true partisan lean is probably even more Republican-leaning. Ohio is simply not the quintessential swing state it once was; dating back to the 2014 election cycle, Democrats have won just one out of 14 statewide contests in Ohio and that was a popular incumbent running in a blue-wave election year .
Nathaniel Rakich and Geoffrey Skelley, FiveThirtyEight
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Gop Women Made Big Gains
While the majority of the Republican caucus will still be men come 2021, there will be far more Republican women in Congress than there were this year. So far, it looks like at least 26 GOP women will be in the House next year, surpassing the record of 25 from the 109th Congress. Thats thanks in part to the record number of non-incumbent Republican women 15 whove won House contests. And its also because of how well Republican women did in tight races. The table below shows the Republican women who ran in Democratic-held House districts that were at least potentially competitive,1 according to FiveThirtyEights forecast. As of this writing, seven of them have won.
GOP women have flipped several Democratic seats
Republican women running for potentially competitive Democratic-held House seats and the status of their race as of 4:30 p.m Eastern on Nov. 11
District D+22.1
Results are unofficial. Races are counted as projected only if the projection comes from ABC News. Excludes races in which the Republican candidate has either a less than 1 in 100 chance or greater than 99 in 100 chance of winning.
Gerrymandering Texas Could Help Republicans Take Back The House In 2022
Trump has ‘no plans’ for third party but will help Republicans win back House and Senate in 2022
HOUSTON Fort Bend County was a sleepy suburban outpost of Houston when KP George arrived in the late 1990s, dominated by conservative politics and represented in Congress by Republican Party star Tom DeLay.
Twenty years later, the areas population has more than doubled in size, driven by fast-growing Asian, Latino and Black communities that in 2019 helped elect George an immigrant from southern India as Fort Bends first non-white county judge.
The wave of left-leaning voters that elevated George and other Democrats to local office in recent years may also help the area land a new congressional district. Texas gained two House seats in the 2020 U.S. Census, driven by a population boom in the Houston and Dallas-Fort Worth metropolitan regions, among other parts of the state.
But the Republican-controlled state legislature will be in charge of drawing the new districts, leaving Democrats on the sidelines, worried they may not benefit from the regions changing demographics.
You feel like youre not being counted, George said. My county is benefitting from people like me. But when it comes to the seat at the table , we dont have it.
Redistricting is a byzantine process that plays out behind closed doors, but the stakes are high. New congressional and state legislative lines will remain in place for the next decade, giving the parties that benefit most from redistricting considerable clout in policymaking and upcoming elections.
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