Derek Opina, M.A.

Steph Curry is a bad bad man. Just made all of France go night night #USABasketball #USABMNT

@FluentInFinance Housing costs are absolutely not going down. A buyer agent is not working for free. Either the buyer or seller pays the buyer agent. If anything, it could make it more expensive for the buyer if they agree to pay the agent commission. Home buying may have gotten more expensive

BREAKING: The National Association of Realtors is eliminating the 6% realtor commission. Here’s everything you need to know: With the end of the standard commission, real estate agents in the United States will now have to compete for business and likely lower their commissions as a result. This could lead to a 30 percent reduction in commissions, driving down home prices across the board. Real estate commissions total around $100 billion per year in America. With commissions potentially dropping 30%, that could put tens of billions of dollars back in the pockets of American home buyers and sellers every year. A seller of a $500,000 home could save $9,000 or more on a 3% commission instead of 6%. This is expected to drive down housing costs and significantly impact the U.S. housing market. Housing experts predict that this could trigger one of the most significant jolts in the U.S. housing market in 100 years. Economists estimate that this change could save American homeowners billions of dollars annually. My advice - if you're selling a home soon, consider waiting to list until new lower commission models emerge to save thousands. Or negotiate commission rates aggressively.

@angelm_russell WOW!

My old neighborhood in Pismo Beach.

The Redeem Team documentary was so beautiful 😭 #TheRedeemTeam #Kobe

I just realized my upcoming #Nike dividend payment is $8.24 - KOBE!!!!! #MambaForever

Go Titans!! #TusksUp

@_aesparza Stay with your parents

@_aesparza Let me know when you’re ready to buy a house 😊

Prayers up for @cedceballos that’s my fellow former CSUF Titan man. Awesome dude, Titan Prideful

@_aesparza Start on season 2. Season 1 is whatever. You won’t miss much if you start season 2

@KelseyMarie_TV Golden Nugget was decent. I kinda wish I did the strip tho!

@_aesparza 5 year history says yes

@natbrunell @NexxBurger @SpecNews1SoCal @ocbtcn How was the burger?

Just had my very first #Bitcoin burger at @NexxBurger Newport Beach! Story coming soon on @SpecNews1SoCal! @ocbtcn

@natbrunell Getting into stocks opened my eyes to the importance of understanding money. I’m a huge advocate for financial literacy. School doesn’t teach that stuff.

Getting into the stock market was the best, most fun decision of my adult life. I pop out of my bed without an alarm before trading opens and I live for the stock tweets and memes... who am I???

WandaVision episode 5 ending. My jaw literally DROPPED!!! I didn’t see that coming. Marvel did it again!! WOW!! #WandaVison #MarvelStudios

Wait but what happened to her Sokovian accent? #WandaVision

Before he was a World Series champion, he was a CSUF TITAN! Big congrats to my favorite Dodger @redturn2 for helping to lead LAD to a World Series 🏆

@CitizensOne worst customer service ever.

How great would it be if the Lakers win by 24 #LakeShow #NBAFINALS2020 #Kobe #MambaForever

Man. Not Chadwick too 😭 Rest In Peace King T’Challa #WakandaForever