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When Should I Stop Making Mortgage Payments When Selling a Home?
Are you wondering when you should stop making mortgage payments on a home loan when selling? Selling a house with an existing mortgage is expected in real estate sales. One key aspect involves understanding when to stop making mortgage payments and how to manage the payoff. I have put...- Hoca
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- Forum: Men's fashion
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How to Sell an Inherited Home: A Comprehensive Guide
Selling an inherited property can be a complex process involving legal, financial, and emotional considerations. Understanding the steps and legal and tax implications is crucial for a smooth transaction. I have gone to great lengths to help you understand the process in an easy-to-understand...- Hoca
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- Forum: Men's fashion
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Appraising Property: How it Works and What to Know
An appraisal is vital when applying for a mortgage, refinancing an existing mortgage, or selling your home. Appraisers can help determine your home’s value and ensure you receive the best possible deal. An appraiser uses several factors to determine the value of a home, including its size...- Hoca
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- Forum: Men's fashion
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Mistakes to Avoid When Selling a House in The Winter
Do you know the typical mistakes in selling winter homes? Selling your home in winter presents a unique set of challenges. However, there are still buyers out there, which means there is a good chance you can sell your home for a great price. But to do so, you must avoid the most common mistakes...- Hoca
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- Forum: Men's fashion
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How to Sell a Home With Unpermitted Work?
Selling a house with unpermitted work is challenging and complex, and it can lead to legal issues, financial losses, and strained relationships between buyers and sellers. Unpermitted work refers to renovations, additions, or alterations to a property without obtaining the necessary building...- Hoca
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- Forum: Men's fashion
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Selling A House on A Busy Road: What You Should Know
Over the years, a few people have asked me if there is anything different about selling a home on a busy street. Selling many homes is challenging, but some are more difficult than others. Homes on busy streets are one type of home that takes extra finesse to unload for a great price. But don’t...- Hoca
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- Forum: Men's fashion
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Sometimes it is Easier to Preach than to Practice (Example with Money)
An example of how it is easier to preach than to practice when it comes to money (and specifically, with wanting to spend it. While still in debt). It is easier to preach than to practice…ever heard this phrase before? I've heard it over and over again in my life, and then stumbled upon a...- Hoca
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- Forum: Musicology
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How Do I Make My House Feel Like Home? (Average Spent in Your First Year)
Ever wonder about the cost of making your house a home? Let me show you the average spent annually, plus how to make a house a home on a budget. According to a study by Clever, the average annual spending on various items when making your house a home (decoration, appliances, painting, repairs...- Hoca
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- Forum: Musicology
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Hernia Operation Cost (How to Shop Around for Surgery)
Did you ever think to lower your hernia operation cost ($3,900 – $8,900) by shopping around? Let me show you why you want to shop around for your next surgery, and how to estimate your costs. Amanda’s Note: Do not shop around if you have an emergency. Shopping around is a luxury for procedures...- Hoca
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- Forum: Musicology
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Direct Selling: The Potential to Increase Your Bottom Line and Your Cupboards
Visualize this scene: I am sitting with my sister at a Tupperware rally (aka, a revival for consumerism). There are streamers, there is glitter all over the Berber carpeting, and there are spray-tan women with microphones. As an early-twenty-something still in college I don’t quite have my...- Hoca
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- Forum: Musicology
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Disposable Clothing: Are there Circumstances Where it Makes Sense to Buy it?
Has anyone else noticed the disposable clothing lines available at most retailers? These are the toilet paper-thin (and we’re not talking the quilted kind) shirts you can see your fingers through. There’s American Eagle, then there’s the American Eagle disposable clothing line. There’s Gap, and...- Hoca
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- Forum: Musicology
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It is Seldom True that You Get What You Pay For
Still buying into the idea that you get what you pay for? Let's discuss what this phrase means and why I think it's totally bogus. As I sit in a beautiful backyard nook we’ve created – the cascading grapevines bred to thrive in the harsh realities of Texas dirt, and a pot of vibrant...- Hoca
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- Forum: Musicology
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20 Years Later, I Tested Out Tupperware’s Lifetime Warranty. Here’s How it Went.
Is Tupperware replacement available after 20 years? Do old Tupperware pieces have BPA in them? Check out below as I navigate whether or not Tupperware will stand by their Lifetime Tupperware Warranty. It occurred to me the other day − while trying to gauge whether an overused, label-less...- Hoca
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- Forum: Musicology
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Can You Get Any Cash for Your Old, Broken Cell Phone?
Ready to trade up for a new iPhone or Android and you want to know what’s the best place to sell used phones (whether it’s broken OR still under warranty)? I’ve got you covered with both local and online places. It happened to me just a month ago. I was getting up from my chair to go into the...- Hoca
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- Forum: Musicology
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Property Tax Revenue Outpaces Other Sources in 2024
Property tax revenue collected by state and local governments reached a new high in 2024 and continued to make up a bulk of tax revenue. Total tax revenue for state and local governments also reached a high after falling in 2023, driven by higher revenue across all sources. In 2024, tax revenue...- Hoca
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- Forum: Wildlife photography
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Mortgage Rates Hold Steady After Early March Drop
Mortgage rates dropped significantly at the start of March before stabilizing, with the average 30-year fixed-rate mortgage settling at 6.65%, according to Freddie Mac. This marks a 19-basis-point (bps) decline from February. Meanwhile, the 15-year fixed-rate mortgage fell by 20 bps to 5.83%...- Hoca
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- Forum: Wildlife photography
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Affordability Pyramid Shows 94 Million Households Cannot Buy a $400,000 Home
NAHB recently released its 2025 Priced-Out Analysis, highlighting the housing affordability challenge. While previous posts discussed the impacts of rising home prices and interest rates on affordability, this post focuses on the related U.S. housing affordability pyramid. The pyramid reveals...- Hoca
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- Forum: Wildlife photography
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Soft Job Openings Estimate for Construction
After a period of slowing associated with declines for some elements of the residential construction industry, the count of open construction sector jobs remained lower than a year ago, per the February Bureau of Labor Statistics Job Openings and Labor Turnover Survey (JOLTS). The number of open...- Hoca
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- Forum: Wildlife photography
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Private Residential Construction Spending Rises in February
Private residential construction spending increased by 1.3% in February, rebounding from a 1.2% dip in January. The growth was largely driven by higher spending on single-family construction and residential improvements. On a year-over-year basis, the February report showed a 1.6% gain...- Hoca
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- Forum: Wildlife photography
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Manufactured Homes: An Alternative Means of Housing Supply
Manufactured homes play a measurable role in the U.S. housing market by providing an affordable supply option for millions of households. According to the American Housing Survey (AHS), there are 7.2 million occupied manufactured homes in the U.S., representing 5.4% of total occupied housing and...- Hoca
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- Forum: Wildlife photography