Fiscal Rangers

About Vivek & Elon's DOGE or Dept. of Government Efficiency and how to apply

Here is the new, official X account for Vivek and Elon's DOGE or Department of Government Efficiency, and how to apply for a job. Read more →

FL House Dist 26 Candidates Addie Owens & Mike Levine on Video

Lake County, FL Republican Residents in North-West Lake County need to know who is best for them by watching this video.  These are the two leading candidates in the elections for FL House Dist 26, 2024. Read more →

Sabbatical Time for 2024

I plan to take a 2024 first quarter sabbatical from posting here on FiscalRangers.com while I work on some projects listed below. I expect to return after the first quarter, 2024. Learning AI techniques to do article research and develop side income - it is the most technically disrupting influence on humans since the gasoline engine, electricity and the internet. I was just elected again to be Chair of the local School District Audit Committee, so I need to handle some issues related to recruiting a new Internal Audit Director, etc. I need to finish my Kindle ebook draft on internal audit operational case studies from my years of experience in that field. Develop a YouTube channel showing videos on topics related to operational internal auditing as described in the pending Kindle book above. Build a database of the 14 cities in Lake County to use for comparisons - some cities have twice the millage rate of others and potential home buyers should know those facts. Most city council members are ignorant of efficiency tracking methods and I need to sell them on performance auditing, performance tracking dashboards, etc. Finishing my 1965 Mustang, owned for 53 years so I can... Read more →

Video of New stash of Joe Biden Top Secret evidence found in blogger's trash can in Lake County, FL

Amazingly, it seems that Joe Biden's Top Secret stuff is everywhere. A local blogger (Me - Vance Jochim) found an entire box labeled "Top Secret - for Joe Biden Only" in his trash can in Lake County, FL on MLK Day, Jan. 16, 2023. Most prior Biden stashes were Top Secret Federal documents, but this Top Secret Joe Biden box contained highly questionable publications and T-shirts. Watch the short video to see the contents. https://youtu.be/SLTtyNJFIVk Note: If YouTube shuts down this video, go to our Rumble account Rumble.com/FloridaVance for the backup copy being uploaded soon. Vance Jochim - [email protected] Tavares, FL Read more →

New Artificial Intelligence software tool from Microsoft's OpenAI's ChatGPT will change professions and cost jobs

The new tool, ChatGPT from Microsoft's OpenAI is exploding in coverage on the internet with many YouTube videos on how to use it for professional fields, to make money, to write term papers, to write programming code, etc. I cover some of the benefits and issues and strategies needed for my local Lake County, FL School District. Read more →

Century Link attempts illegal underground fiber optic cable installation in my neighborhood.

Century Link attempts illegal underground fiber optic cable installation in my neighborhood but we caught them. Read more →

Police Chief & Two others "mis-appropriate" $80,000 from tiny city in Oklahoma

Elected government officials can learn from reported cases of fraud in local government. This link is to a story where a police chief and two others in the small town of Tryon, OK, population 500, embezzled over $80,000 over several years. The city's total annual budget was about $200,000. One lesson is that the elected officials apparently didn't exercise any type of oversight on the spending. "Oklahoma State Auditor and Inspector Cindy Byrd released her audit of the town of Tryon, between Stillwater and Chandler, on Thursday. She identified a total of $95,000 in misappropriated town funds via unauthorized and personal charges, according to a news release." Funds were withdrawn from city accounts via local casinos "In her audit, Byrd faulted not only the employees who benefited from the misappropriations but also the governing board for the town." "This "Town" Board was just asleep at the wheel." The Police Chief, Jered Pricket, is alleged to have made most of the personal transactions, including $3,700 in "questionable credit card expenditures," including deer hunting supplies. The "misappropriation" was 13% of Tryon's annual budget. “Donations made to the Tryon Police Department, totaling $3,960, were not deposited into the Town’s bank account,” Byrd wrote... Read more →

Leesburg, FL Residents: Two upcoming meetings you need to know about

Two Leesburg, FL City Council meetings are coming up (Dec. 30, 2021 & Jan. 3, 2022) without any details on their purpose. Both may include discussions relatedd to rampant development annexations by the City Council of Leesburg without regard to traffic gridlock that may result. As of Dec. 27, 2021, there is no online agenda for the Jan. 3rd meeting, and the Dec. 30 agenda only says each side will give presentations. Read more →

Tell your Tavares, FL City Council members to allow citizen input at FIRST Readings of Planning & Zoning items

The City Council of Tavares, FL does not allow citizens to provide public input on "First Readings" of agenda items on Planning & Zoning or other issues, thus they cannot provide input until the next meeting and the FINAL "Second Reading". No other city in Lake County has this restriction, so citizens should demand that public input be accepted at First Readings. Read more →

Texas Pediatrician rants about dangers of masks, Covid vaccines and lack of health improvement discussions - Debbie Georgatos show

Click HERE to see a Debbie Georgatos video interview on America Can We Talk of a 25-year Pediatrician, Dr. Angelina Farella, describing the DANGERS of masks, DANGERS of Covid vaccines and asking hard questions ike "why isn't anyone preaching good practices to BUILD immune systems, or good health to reduce OBESITY which is the main contributor to serious Covid Cases?" Debbie Georgatos is a well-known conservative vlogger in Texas who interviews many working professionals like doctors about the REAL FACTS related to issues like masks, Covid, election fraud, etc. Her main website is: https://americacanwetalk.org/. You will not support masks at all, or vaccines or the Biden regime's Covid rules after watching this America Can We Talk interview held by Debbie Georgatos on Sept. 15, 2021. https://rumble.com/vmmsft-dr.-angelina-farella-acwt-interview-9.15.21.html This is one of many sources I have gathered for my "Masks are dangerous.." webpage at: https://www.fiscalrangers.com/masks-are-dangerous-and-here-is-why.html By Vance Jochim - published Sept 17, 2021 Fiscalrangers.com [email protected] === Read more →

MASKS are Dangerous in our opinion and should not be mandated - FiscalRangers.com Factsheet

Contrary to advice of Dr. Anthony Faucie, the Biden Administration, WHO and the CDC, masks for students or adults are DANGEROUS in our opinion and we list the reasons and sources that you can use to make up your own mind. Read more →

Lake County, FL watchdog blog FiscalRangers.com launches initiative to outsource city functions to control costs

Most cities in Lake County, FL keep escalating wage, benefit and pension costs each year, Thus this Lake County, FL fiscal watchdog is launching an initiative to demand cities start outsourcing various functions to control escalating costs. The day of constantly passing through 10% benefit costs and wages twice the CPI need to stop because increasing house valuations, plus high millage rates may cause some residents to lose homes due to excessive property tax bills. Most cities don't use performance metrics like businesses to identify excess spending, and that is needed also. Read more →

Why Tavares, FL Taxpayers Don't get all the details on City Council decisions

The City of Tavares, Florida's City Council met yesterday, April 7, 2021. We describe how they are leaving important details related to Council decisions out of the online agenda packet, and they need to provide that online in the future. This is one of several Tavares practices that result in lower transparency than other Lake County, FL cities. Read more →

Masks Don't WORK in my opinion - This video explains a medical doctor's research

America's Frontline Doctors is composed of experienced medical doctors and researchers who provide FACTS about why masks are not safe and can be harmful. They oppose the Federal and Fauci recommendations to wear masks. Watch their video describing many sources of research which are eye-opening. You won't want to wear masks after watching this video. Read more →

Recall Florida is a new group focused on passing Florida legislation to allow Recalls of corrupt LOCAL City & County Officials

Florida statutes only allow citizens in 20 cities and counties to initiate recalls of corrupt local officials. A new group, RecallFlorida.com, is pushing 2021 Florida bills to correct that and allow citizens in ALL Florida cities and counties to recall corrupt local officials. Read more →

Lake County, FL has no public law library when most other Florida counties have one

The Lake County, FL Board of County Commissioners needs to refund and re-implement a public Law Library for residents like most other Florida counties have. Read more →

REDUCE YOUR Lake County, FL Property Taxes by 50% by buying property in a low tax Lake County city

Buyers of residential, rental or commercial property in Lake County, FL can SAVE 50% on property taxes if they pick the right, low millage rate city in Lake County. This article describes the 2020 millage rates for all 14 cities plus the unincorporated Lake County areas so you can decide to buy in a LOW or HIGH property tax location. Read more →

Will your local City or County agency be hit with ransomware like Baltimore, costing $18-million?

Will your local city or county government agency get hit with ransomware like Baltimore, MD and then their School District a year later? Read this and pass it on to your local government council or board to educate them and ask for a public hearing on whether they are vulnerable or not. Read more →

Doug Shields is running for Lake County, FL County Commission and here is our video.

This introductory video of Doug Shields, candidate for the Lake County, FL County Commission, District 1 was made at the Lake County Republican Party HQ on July 31, 2020 during their periodic "Coffee with the Republican Candidates" event. Mr. Shields is running against incumbent Tim Sullivan, and he has mailed out controversial mailers attacking Sullivan that Sullivan has rejected as being inaccurate. Candidate Sullivan has issued a rebuttal HERE. We don't like hit piece mailers so you need to see the rebuttal also. Doug's official candidate website is: https://shieldsforlake.com/ His Facebook page is: https://www.facebook.com/Shieldsforlake/ Campaign email: [email protected] Look for other Lake County, FL area election candidate videos on this FiscalRangersFlorida YouTube channel. Additionally, you can find news on the elections and other Lake County government agency watchdog issues on our FiscalRangers.com blog and on our FiscalRangersLakeCounty Facebook Group. Video by Lake County, FL Fiscal Watchdog blogger Vance Jochim of FiscalRangers.com. The short link to this video is: https://youtu.be/_IfGLfNquOY Length of video is: 29 minutes Read more →

Liberty County, FL Supt. of Elections suspended by FL Gov. Ron DeSantis due to $40k fraud

The FL Gov. Ron DeSantis suspended an elected Supt. of Elections in tiny Liberty County, FL (near Tallahassee) for an alleged $40 in fraud (not voter or election fraud) AND Google search has suppressed finding any articles or news about it if you use their search engine. But, Bing found many recent articles. See my updates also. Read more →

Orlando Sentinel's Scott Maxwell asks that voters monitor LOCAL elections as much as National elections

Orlando Sentinel columnist Scott Maxwell encouraged taxpayers to attend local city council and other local agency meetings to monitor what they are doing, and also monitor who are the best candidates for their local government agencies. Here are my additional ideas for reform of City Councils and policies. Read more →

Florida Government Misanagement Results in Excessive $7+million CEO income for taxpayer funded non-profit after contract abuse found

A small non-profit that received Florida taxpayer funds, the Florida Coalition Against Domestic Violence (FCADV), refused to disclose spending documents for over a year. Then it was found they paid REALLY excessive income to the CEO, leading to Florida Governor Ron DeSantis initiating reforms and requiring reviews and oversights over ALL non-profits receiving Florida taxpayer funding. Read more →

Florida Governor Ron DeSantis needs to fix his convoluted Appointments Process

Florida Governor Ron DeSantis needs to clean up the obtuse appointments process he inherited. I really believe it was carried from a prior Democrat and is a deep state operation to only let insiders get information on openings, criteria and appointments. Did Charlie Crist holdovers design this clutterd system? See my video and recommendations to clean up the process. Read more →

Florida Standards (Common Core) Listening Tour skips Lake, Orange, Sumter, Polk & Marion County! WHY?

The Florida Dept. of Education is conducting a review of the Common Core based Florida Education Standards. They are having a listening tour in parts of Florida, but skipping Lake, Orange, Polk, Sumter & Marion Counties. Why? We provide links to information and the press release but have no answer why they are skipping those counties. But we include links where parents can go online and review the second draft of proposed new standards and submit comments. Read more →

The new Lake County 2019/2020 Property Tax TRIM Notices are Out - and you need to analyze them

The 2019-20 Lake County, FL property tax TRIM notices are out. We provide an example and some analysis, and tips how to analyze YOUR rates to understand if hidden increases are included. Read more →

Tavares, FL property owners should attend this budget workshop, or open your wallet for higher taxes

Tavares, FL residents need to read this about pending millage rate tax hikes at a City Council workshop on July 24, 2019 at 4pm. These issues of escalating taxes are affecting ALL city and county residents in Lake County and the rest of Florida. If you don't act now, then hold out your wallet for tax day. Read more →

More Lake County, FL Cities and government agencies need to provide Live or uploaded meeting videos!

Local cities and government agencies in Florida, including Lake County, FL, are reducing public transparency by removing most published documents, even for upcoming meeting agendas and staff packets, or annual financial reports or budgets. They are doing it to avoid nuisance lawsuits by roving bands of attorneys suing them for not spending thousands of taxpayer dollars to comply with Federal ADA laws related to "accessibility" for sight and hearing limited users. Read more →

Why Don't Florida School Districts have Performance Management Metric Reports like Business?

Florida local government agencies like the Lake County FL School District lack process improvement and performance reporting dashboards like a business and need them. We start the conversation with some examples and what School Boards need to do if they actually want to protect the financial interests of taxpayers. Read more →

MedMen Medical Marijuana Pot Growers in Eustis, FL Anger Neighbors Over Excessive Industrial Noise

MedMen Medical Marijuana Pot Growers in Eustis, FL Anger Neighbors Over Excessive Industrial Noise Read more →

A Florida homeowner's guide for coping with surprise real estate developments next door.

Florida homeowners may be blindsided by developer requests for questionable projects next to them like the proposed 4-story rental apartment complex on the shores of Lake Saunders near Tavares, FL next to the single story, single family residences. So we created a 36 minute Florida Homeowners guide to the land development process to understand how to make your voice heard or oppose outlandish land use developments. Read more →

Clermont, FL City Council votes to spend taxpayer funds to appeal a legal decision they lost.

The Clermont City Council lost a legal action to allow a charter school to build on a five acre lot with terrible traffic issues and neighbor complaints. Neither city staff or the Lake County School District wanted the project approved. Now the City attorney convinced the clearly vague Council to approve an expensive appeal of the legal decision. Neighbor opposition leader Dani Page made a video of that meeting which you can watch. The saga continues at taxpayer expense. Read more →

The Process inherited by the new Florida Governor to process appointments is convoluted and non-transparent!

We created a watchdog blog video of the convoluted, confusing and non-transparent process used by the Florida Governor's Appointments office to find filled and vacant positions and apply for them. Watch it - it took us 44 minutes to explain the whole bureaucratic "we always have done it this way" process. Read more →

Federal & Florida ADA Compliance laws are wrecking local government transparency and incurring huge costs

Tavares, FL March 11, 2019 Federal and Florida regulations on compliance with the American Disabilities Act (ADA) are causing excess costs and reduced public transparency over local government meeting videos, agendas, budgets and even annual financial reports (CAFR's). Essentially, some scummy lawyers found that ADA requirements can be interpreted to require that any local government has to provide online information in a format that can be read by ADA software tools used by the disabled, such as vision limited or hearing limited. Apparently, the tools use screen "scanning" to find text or picture captions that can then be converted to audio so the disabled can "read" or "hear" the online information. We wrote an earlier story about this in January 2019 HERE, after the Orlando Sentinel published a story about it. It contains more about the scummy lawsuits, so I did not repeat it here. The Jan. 6, 2019 Orlando Sentinel story is here. And very few local governments have the funds to revamp their websites and file systems to comply with the lawsuit demands. Now, a city like Orlando could afford to get the software and modify all their files so they can be read by the ADA tools,... Read more →

60 Local Government Employees based in Tavares, FL Earned $100k or more in 2017 per OpenTheBooks.org database

A government spending watchdog, OpenTheBooks.org, tracks wasteful government programs and also tracks local, state and Federal employee wages over $100k. We examined their reports for local cities in the Lake County area, and found 60 employees working in the Tavares, FL area for government that earned over $100k. OpenTheBooks.org also launched an initiative to encourage the Congress to launch a "War on Waste" by listing wasteful, stupid Federal programs and asking the government to publish budget details for transparency, and then eliminate the uncovered, wasteful programs. Read more →

Wunderbar - the new Lake County, FL Court Clerk, Gary Cooney, has Appointed a new, QUALIFIED, Inspector General

Wunderbar - the newly elected Lake County, FL Court Clerk, Gary Cooney, has Appointed a new, QUALIFIED, Inspector General, Terri Freeman. Read more →

Will Eustis, FL become Lake County, FL's first Sanctuary City? Left leaning City Council members could do it!

Tavares, FL Oct. 26, 2018 A shorter version of this opinion commentary by Vance Jochim was also posted on CityGrader.com. Updated Oct. 27, 2018 with more facts. The opinions in this commentary are all my own, based upon observations at meetings and my research. Will Eustis, FL, controlled by liberal or RINO (Republican in Name Only) City Council members, become the first Sanctuary City in Lake County, FL? As an active Republican and fiscal watchdog blogger in Lake County, FL, I rate this City a C due to the Democrat or liberal sympathizers on the City Council. I live in nearby Tavares and the contrast of "vision" is quite strong. The City staff are quite competent, and the historic ambiance is great, but the elected leaders with a liberal bias are not helpful. I am a watchdog blogger in Lake County, and have been monitoring Eustis politics for years. They keep electing liberal or do nothing Council members under the cover of "non-partisan" elections, leading to disputes with residents. Under the right circumstances, they could become Lake County's first Sanctuary City. City Elections for City Council candidates are now in progress for the Nov. 6, 2018 elections. The positions are... Read more →

Project Veritas uncovers a Deep State Federal Auditor working on anti-Capitalist campaigns at work - Call your Congressman

Project Veritas uncovered on video a FEDERAL GAO staffer and card-carrying member of the Democrat Socialists of America (DSA) admitting he works to destroy capitalism using work time. As a retired internal audit manager this makes me really angry so I submitted this video link and other information to Trey Gowdy's US House Oversight & Reform Committee and asked for a public investigation. Read more →

Lake County, FL Bad Roads - Increased Impact Fees on Tomorrow's County Board Agenda

Traffic and road conditions are getting worse in Lake County. We talk about some of the issues, and how some more funding may be on the way if the Lake County Board starts the process to increase road impact fees on new construction. Read more →

Performance Matters School District Dashboard software at Lake County FL Schools

This post describes and links to a March 15, 2018 video of an overview of the "Performance Matters" academic tracking dashboard software just implemented at the Lake County, FL School District. Read more →

Tavares, FL City Council Meeting VIDEO - Mar. 7, 2018 - More admin screwups postpone Shirley Shores Annexation AGAIN

Tavares, FL Mar. 11, 2018 I uploaded a video to YouTube of the Tavares, FL City Council meeting held on March 7, 2018 which is HERE: https://youtu.be/AWMAe7TYQC0. The agenda location is on the 2nd slide. Length is 1 hr, 17 min. The short link to THIS blog page is: https://tinyurl.com/TavaresFLMarch7 I have decided to write some comments about the actions seen in this meeting video which are below. Tab 7 - Annexation and Rezoning related to Shirley Shores Road / Hidden River Lakes proposed 222 acre development. THIS WAS POSTPONED DUE TO IMPROPER NOTIFICATION OF THE PUBLIC BY THE DEVELOPER'S REPRESENTATIVES. See overview starting at 3:55 on the video then more later. Probably at least 60 neighbors were there for this issue and for the 3rd or 4th time, the procedures were botched, so the issue was postponed to a future meeting. Apparently the developer representatives must follow certain steps and the city staff does not ensure they are followed, then the opposition attorney raises the issue and ONCE AGAIN, the issue is postponed. I am flabbergasted the City staff has no sanctions or fines to apply when zoning/land use change requesters don't follow the rules. So everyone will have... Read more →

Yippee! Lake County, FL & Three Cities try to increase efficiency by measuring performance metrics

Florida is home to the largest consortium of cities and counties tracking performance benchmarks, called the Florida Benchmarking Consortium. The Lake County government, plus three cities, Mt. Dora, Tavares and Clermont joined FBC last year (2017). The first annual FBC report showing performance measures for more than 30 members was just published in Dec., 2017 for fiscal year 2015-16 and they are in it. We review the overall program here, and will cover specific results in a future article. Read more →

$70-million Lutheran Refugee Administration Group Explodes in Fraud & Mismanagement Accusations

Know any Lutherans? Their national group, Lutheran Immigration & Refugee Serices (Lirs) managing about $70-million in mostly Federally funded refugee resettlement programs just exploded in accusations of fraud, mismanagement, etc. Read more →

Important new Scientific chemical element discovered - Governmentium aka the "Critical Morass"

Tavares, FL 32778 Dec. 18, 2017 This improtant scientific news is from Cathy Holden on Facebook: Subject: New Chemical Discovered The heaviest chemical element yet known to science A major research institution has recently announced the discovery of the heaviest chemical element yet known to science. The new element has been named "Governmentium". Governmentium has 1 neutron, 12 assistant neutrons,75 deputy neutrons, and 111 assistant deputy neutrons, giving it an atomic mass of 312. These 312 particles are held together by forces called morons, which are surrounded by vast quantities of lepton-like particles called peons. Since governmentium has no electrons, it is inert. However, it can be detected as it impedes every reaction with which it comes into contact. A minute amount of governmentium causes one reaction to take over 4 days to complete when it would normally take less than a second. Governmentium has a normal half-life of 2 to 6 years; it does not decay, but instead undergoes a reorganization in which a portion of the assistant neutrons and deputy neutrons exchange places. In fact, governmentium's mass will actually increase over time, since each reorganization causes some morons to become neutrons, forming isodopes. This characteristic of moron-promotion leads... Read more →

Florida's Enterprise Florida Head bypasses procurement rules for favored vendor

Lax procurement rules were used to avoid competitive bidding for a speechwriter used by the head of Florida's economic development agency, Enterprise Florida. Read more →

FiscalRangers Alert: Kevin Spear's front page article today in the Orlando Sentinel on sea level rising is biased, unprofessional and hogwash

Your FRONT PAGE article today, May 22, 2016 on "Florida coastal cities eye rising seas" is very biased, citing unscientific claims like Florida cities "are studying maps that depict areas submerged by as much as 2 to 3 feet of sea rise by 2050." You also say "Along Central Florida's Gulf coast, seas will rise between a foot and 7 feet this century, according to Tampa Bay Climate Science Advisory Panel convened by University of Florida programs. But, you don't disclose data from skeptics of those claims. Why don't you cover BOTH sides of the story? Read more →

Florida Division may have cooked work statistics to get better performance rankings

The Inspector General for the Florida Dept. of Business & Professional Regulation (DBPR) reported an audit of a department for cooking the books and submitting multiple work tickets for single work projects to inflate work statistics. The whisteblower also said inflating the numbers would increase rates paid by insured parties. We include the report excerpt and comment on the report and issue. Read more →

Palm Beach County Audit Discloses Favoritism & Cronyism in Selecting Contractors

Tavares, FL April 17, 2015 This is older news, but a relevant example of local government cronyism, bribery, and waste in Palm Beach County, FL Source: Orlando Sentinel: "Lunches, golf outings and vacations involving a Palm Beach County official and government contractors created a potential perception of favoritism in awarding $9 million in publicly funded work, according to the county's inspector general. The inquiry raised questions about Deputy County Engineer Tanya McConnell's role in directing county contracts to three firms represented by people she described as "friends." While Inspector General John Carey found that no laws were broken, he did call for changes to the county's contracting process. He also forwarded the case to the county's Ethics Commission for further review, which rules on potential violations of the county's ethics code." READ more HERE. The above article provides an example of how a strong County Director can bluff staff into giving business to favored vendors who are "friends". It is amazing she was that stupid when the County hired an Independent Inspector General several years ago due to political corruption. Link to Palm Beach Inspector General's website - which has link to the above mentioned 4/16/2015 "Engineering Department" audit. Vance... Read more →

Lake County School Board and Superintendent Restrict District Audit Director from Auditing Certain Functions

Today the Daily Commercial published a front page article about recent actions by the Lake County School Board to restrict the ability of the District Internal Audit Director from reviewing "teaching and learning" processes. We comment on why that is a bad idea. Never forget that government is a monopoly, so extra oversight and transparency is needed to ensure operations are efficient, effective and economical. One way to do that is have an independent internal audit function with full and unfettered access to all employees, vendors, and records. Read more →

How to Use Common Law Grand Juries to Investigate Government Officials

Who knew there is a method defined in the US Constitution and descended from the the British Magna Carta on how citizen activists can convene a Common Law Grand Jury (CLGJ) to investigate local Governent corruption. A well known conservative talk show host and author, Jason W. Hoyt, visited Lake County, FL recently and explained how to setup a CLGJ. Read more →

HUD Loan Guarantee costs taxpayers loss of $4.5-million in Colorado

Oct. 27, 2015 Tavares, FL HUD Waste Report: Colorado Springs, CO taxpayers lost $4+-million when HUD guaranteed $10-million on property loan valued by the local County at $4.5-million, which then failed and shut down. Another HUD fiscal fiasco - this time in Colorado. http://watchdog.org/…/hud-backs-9-5-million-loan-on-propert… Read more →