HTML – July 2026 #1 – FF

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<center><table id="bodyTable" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; height: 100%; margin: 0; padding: 0; width: 100%; background-color: #fafafa;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center" bgcolor="#FAFAFA"><tbody><tr><td id="bodyCell" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; height: 100%; margin: 0; padding: 0; width: 100%; border-top: 0;" align="center" valign="top" width="100%" height="100%"><table style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td id="templatePreheader" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #fafafa; background-image: none; background-repeat: no-repeat; 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mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #656565; font-family: Helvetica; font-size: 12px; text-align: left; padding: 0px 18px 9px; line-height: 200%;" align="left" valign="top"><div style="text-align: center;"><strong><em>Happy 4th of July!&nbsp;</em></strong>Grill, chill, and honor the thrill of freedom.<br /> <strong><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;" href="{WEBSITE:14}" target="_blank" rel="noopener">FIND A HOME</a>&nbsp;&nbsp;|&nbsp;&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;" href="{ABOUT:31}" target="_blank" rel="noopener">ABOUT</a>&nbsp; |&nbsp; <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;" href="mailto:{EMAIL:16}" target="_blank" rel="noopener">A</a><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;" href="mailto:*|LIST:EMAIL*|" target="_blank" rel="noopener">SK ME ANYTHING</a></strong></div></td></tr></tbody></table> </td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td id="templateHeader" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #f3f4f5; background-image: none; background-repeat: no-repeat; background-position: center; background-size: cover; border-top: 0; border-bottom: 0; padding-top: 9px; 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mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 16px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><table style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border-collapse: collapse; margin: 0; padding: 0;" role="presentation" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0; margin: 0;"><table style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" role="presentation" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr class="stack-row"><td class="stack-col col-owner center-mobile pad-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0; margin: 0; line-height: 1.2; vertical-align: middle; width: 120px;" valign="middle" width="120"><span style="font-size: 12px;"><img class="mcnImage" style="border: 0; vertical-align: bottom; display: block; border-radius: 6px; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 105px; height: auto;" src="{OWNERIMG:12}" alt="{OWNERFIRST:4}" width="105" align="right" /></span></td><td class="hide-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; font-size: 1px; line-height: 1px;" width="8">&nbsp;</td><td class="stack-col col-text pad-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 5px 0 5px 5px; margin: 0; line-height: 1.3; vertical-align: middle;" valign="middle"><h1 style="display: block; padding: 0; color: #202020; font-family: Verdana, Geneva, sans-serif; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; margin: 0; text-align: left;"><strong><span style="color: #222; font-family: arial, helvetica neue, helvetica, sans-serif;">{TITLE:10}</span></strong></h1><div style="text-align: left;"><span style="color: #222; font-family: arial, helvetica neue, helvetica, sans-serif; font-size: 15px;"><strong>{OWNERFIRST:4} {OWNERLAST:11}</strong></span><br /> <span style="font-size: 14px;"><span style="color: #222222; font-family: arial, &quot;helvetica neue, helvetica, sans-serif;">{PHONE:15}<br /> {COMPANY:17}</span></span></div></td><td class="hide-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; font-size: 1px; line-height: 1px;" width="1">&nbsp;</td><td class="stack-col col-logo center-mobile pad-mobile logo-mobile-hide" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 5px 15px 5px 0; margin: 0; text-align: center;" align="center" valign="middle"><span style="font-size: 12px;"><img class="mcnImage" style="vertical-align: bottom; display: block; border: 0; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 125px; height: auto;" src="{LOGO:8}" alt="LOGO" width="125" align="center" /></span></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table> </td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td id="templateBody" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #ffffff; background-image: none; background-repeat: no-repeat; background-position: center; background-size: cover; border-top: 0; border-bottom: 0; padding-top: 20px; padding-bottom: 9px;" align="center" valign="top" bgcolor="#ffffff"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; max-width: 600px;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td class="bodyContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">THE MANUAL DOESN'T EXIST&nbsp;&nbsp;</h2><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">A fabulous thing about the 90s is that every appliance came with a manual thick enough to stop a small raccoon, and somehow we all treated that as normal.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Today, the manual is gone, the buttons have multiplied, and everyone is expected to "figure it out" like we're all capable of operating a nuclear submarine.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Which is why a good real estate agent is a beautiful thing when you need one. Give me a call. An hour with me will save you 20 hours of YouTube videos.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><em>Let's tuck into the good stuff...</em></p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><strong>Householding -&nbsp;</strong>Soundproofing walls between bedrooms<br /> <strong>Real Estate Q&amp;A -</strong>&nbsp;'How can we lower our existing mortgage payment?'<br /> <strong>Brain Snacks -&nbsp;</strong>Where in the world...? / A unique road trip idea ...<br /> <strong>July Quiz - </strong>Reply to win a cup of coffee on me<br /> <strong>Word Search - </strong>Summer&nbsp;Road Tripping</td></tr></tbody></table> </td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 2px solid #EAEAEA;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><span style="font-size: 24px;">HOUSEHOLDING</span></h2><h3 class="null" style="display: block; margin: 0; padding: 0; color: #000000; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Soundproofing the&nbsp;walls between bedrooms</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">If your house has bedrooms that share a wall, then you know how sound travels between the rooms. No one wants their private lives shared, or to hear someone else's.&nbsp;</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Short of reconstructing the walls, you can use one or more of these solutions, preferably on both sides of the wall (keeping in mind that density is your friend):&nbsp;</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">The most important first step is to seal all the electrical outlets and door gaps, as sound waves traveling through air gaps is a huge source of noise. You can buy actual 'acoustic putty' for this purpose.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><img style="border: 0; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border-image: initial; width: 160px; margin: 0px 0px 0px 7px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/18d327e8-2dc9-3ff9-c0b9-d8e068c6e0e7.png" alt="acoustic wall panel" width="160" height="112" align="right" data-file-id="7044029" />Then use a decorative solution: Install stylish acoustic wood paneling; hang plush, floor-to-ceiling tapestries or curtains; add floor-to-ceiling bookcases and books (with a tapestry or vinyl backing); or apply sound-absorbing foam tiles.</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 2px solid #EAEAEA;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">REAL ESTATE Q&amp;A</h2><div style="text-align: center;"><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #4caad8; font-weight: normal; text-decoration: none;" href="https://fred.stlouisfed.org/series/MORTGAGE30US" target="_blank" rel="noopener">See today's rates.</a></div></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; color: #000000; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">How can we lower our existing mortgage payment?</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Many homeowners assume the only way to lower a mortgage payment is to refinance. Often that's true, but it's not the only option.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>Another option is to recast your mortgage. </strong><br /> Not all lenders offer this, but a recast allows you to make a large principal payment and then have the lender recalculate your monthly payment based on the new, lower loan balance. Unlike a refinance, you typically keep your existing interest rate.&nbsp;</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>It's also worth reviewing property taxes and insurance costs. </strong><br /> In some cases, shopping for new insurance or appealing an incorrect tax assessment can lower your monthly PITI payment.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>It's also possible to refinance your remaining balance&nbsp;for a longer term</strong>.<br /> This will give you lower payments. However, it comes with a steep penalty. You'll be on the hook far longer, and you'll pay a lot more for the home in the long run. So this is a last resort sort of move, if selling is not an option.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>Refinancing when rates drop is your best option.</strong><br /> Even a slight drop might make sense. The catch is that you'll need to weigh the monthly savings against the costs of obtaining the new loan.&nbsp;<strong>A quick rule of thumb: </strong>Divide the cost of refinancing by your expected monthly savings. If refinancing costs $4,000 and saves $150 per month, it will take about 27 months to break even. If you expect to stay in the home longer than that, refinancing may be worth it.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><em>Wanting to lower your payment is smart. There's no sense in paying good money if you don't have to!&nbsp;</em></p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">If you know someone who's looking for reliable real estate answers, please put them in touch with me.&nbsp;{OWNERFIRST:4}, {PHONE:15}</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 2px solid #EAEAEA;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><span style="font-size: 24px;">BRAIN SNACKS&nbsp;</span></h2></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; color: #000000; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Where in the world...?</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><img style="border: 0; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border-image: initial; width: 190px; margin: 0px 7px 0px 0px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/1b39dafa-1bed-3f01-3a07-2e6c4239e769.png" alt="Geoguessr screenshot" width="190" height="100" align="left" data-file-id="7044030" />If you enjoy geography guessing games, then you'll love <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #4caad8; font-weight: normal; text-decoration: none;" href="http://Geoguessr.com" target="_blank" rel="noopener">Geoguessr.com</a>. Using Google maps, Geoguessr shows you an image and gives you a map. You click on the map where you think the image is located. The closer you get to the location, the more points you get.</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; color: #000000; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><span style="font-size: 16px;">Here's a summer road trip idea with character</span></h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><img style="outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border: 0px; width: 160px; margin: 0px 0px 0px 7px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/4e4f315f-5ec0-035b-b788-721cba93a82b.jpg" alt="ghost town" width="160" height="120" align="right" data-file-id="7044031" />Skip the crowded beaches and go hunting for ghost towns. North America is littered with abandoned boomtowns, empty storefronts, weathered saloons, and places where time seems to have stopped somewhere around 1897.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">A quick search of Wikipedia's ghost town directory will probably uncover one surprisingly close to home. And don't stop there. Old mining camps, abandoned rail depots, forgotten schools, and other relics often sit just off the beaten path. Think of it like a real-world treasure hunt. But look fast because they're disappearing!&nbsp;</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 style="display: block; margin: 0; padding: 0; color: #000000; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Why do pencils have lead in them (trick question)?</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">You might be surprised to learn that pencils have never contained lead. The core is&nbsp;made of graphite powder (a form of carbon, not lead) mixed with a binding agent. Why do we persist in calling it "pencil lead?"&nbsp;In the 1500&rsquo;s, graphite was discovered in England. Metallurgists at first thought it was a form of lead. However, the name stuck.&nbsp;Graphite in its pure form is brittle. So, people started embedding it in hollowed-out pieces of wood. Thus the No.2 yellow pencil was born.</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; color: #000000; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Try a Spending Fast</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">One of the more interesting budgeting ideas I've come across recently is the concept of a spending fast.&nbsp;<img style="border: 0; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border-image: initial; width: 150px; margin: 0px 7px 0px 0px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/a4f0dc87-e5d0-91c9-c320-aa5116f8a981.png" alt="piggy bank" width="150" height="130" align="left" data-file-id="6760007" />The idea is that in the same way food fasting can help reset eating habits, a spending fast can help reset money habits. It's simple, but probably not easy.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>The challenge is straightforward: </strong>Commit to spending absolutely no money for one day each month. No online shopping. No takeout. No impulse purchases. Then try stretching it to two or three days.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">What surprises most people isn't how difficult it is. It's how often they reach for their wallet without thinking. A spending fast shines a spotlight on those automatic purchases that quietly drain a budget.</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnBoxedTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnBoxedTextBlockOuter"><tr><td class="mcnBoxedTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnBoxedTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px 18px 9px 18px;"><table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #f3f4f5; min-width: 100%;" border="0" width="100%" cellspacing="0" bgcolor="#F3F4F5"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; line-height: 150%; padding: 18px; color: #000000; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: center;" align="center" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">JULY QUIZ QUESTION</h2><strong>WIN A FREE COFFEE CARD!</strong><br /> <br /> <em>What is unique about this sentence:<br /> "The quick brown fox jumps over the lazy dog."</em><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; line-height: 150%; color: #000000; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: center;">______________</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; line-height: 150%; color: #000000; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: center;"><strong>Simply REPLY to this email with your answer for a chance to win!</strong><br /> <em>Last month's answer: Mary was born in Australia.</em></p></td></tr></tbody></table></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><span style="font-size: 24px;">WORD SEARCH</span></h2></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 style="display: block; margin: 0; padding: 0; color: #000000; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Summer Road Trips</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Enjoy this fun puzzle. No login or registration needed. <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #4caad8; font-weight: normal; text-decoration: none;" href="https://members.fastnewsletters.com/word-search-july-1-summer-road-trips/" target="_blank" rel="noopener">Click to play now!</a></p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnImageBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnImageBlockOuter"><tr><td class="mcnImageBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; text-align: center; padding: 0 9px 0 9px;" align="center" valign="top"><a class="" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" title="" href="https://members.fastnewsletters.com/word-search-july-1-summer-road-trips/" target="_blank" rel="noopener"> <img class="mcnImage" style="-ms-interpolation-mode: bicubic; border: 0; height: auto; outline: none; text-decoration: none; max-width: 1200px; padding-bottom: 0; vertical-align: bottom; display: inline;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/cf4994c0-82e7-e926-f6e7-9a77cab1ea20.png" alt="word search puzzle" width="564" align="center" /> </a></td></tr></tbody></table></td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 2px solid #EAEAEA;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><table style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border-collapse: collapse;" width="90%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="middle"><img class="mcnImage" style="border: 0; vertical-align: bottom; border-radius: 6px; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 110px; display: inline-block; height: auto;" src="{OWNERIMG:12}" alt="{OWNERFIRST:4}'s image" width="110" data-file-id="4123549" /></td><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;&nbsp;</td><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="left"><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>{OWNERFIRST:4} {OWNERLAST:11}<br /> {PHONE:15}<br /> <em>{COMPANY:17}</em></strong></p></td></tr></tbody></table></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px 18px 98px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td id="templateFooter" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #fafafa; background-image: none; background-repeat: no-repeat; background-position: center; background-size: cover; border-top: 0; border-bottom: 0; padding-top: 9px; padding-bottom: 9px;" align="center" valign="top" bgcolor="#fafafa"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; max-width: 600px;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td class="footerContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top">&nbsp;</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></center>

CANADA VERSION

<center><table id="bodyTable" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; height: 100%; margin: 0; padding: 0; width: 100%; background-color: #fafafa;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center" bgcolor="#FAFAFA"><tbody><tr><td id="bodyCell" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; height: 100%; margin: 0; padding: 0; width: 100%; border-top: 0;" align="center" valign="top" width="100%" height="100%"><table style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td id="templatePreheader" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #fafafa; background-image: none; background-repeat: no-repeat; background-position: center; background-size: cover; border-top: 0; border-bottom: 0; padding-top: 9px; padding-bottom: 9px;" align="center" valign="top" bgcolor="#fafafa"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; max-width: 600px;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td class="preheaderContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #656565; font-family: Helvetica; font-size: 12px; text-align: left; padding: 0px 18px 9px; line-height: 200%;" align="left" valign="top"><div style="text-align: center;"><strong><em>Happy Independence Day!&nbsp;</em></strong>Grill, chill, and honor the thrill of freedom.<br /> <strong><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;" href="{WEBSITE:14}" target="_blank" rel="noopener">FIND A HOME</a>&nbsp;&nbsp;|&nbsp;&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;" href="{ABOUT:31}" target="_blank" rel="noopener">ABOUT</a>&nbsp; |&nbsp; <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;" href="mailto:{EMAIL:16}" target="_blank" rel="noopener">A</a><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #656565; font-weight: bold; text-decoration: none;" href="mailto:*|LIST:EMAIL*|" target="_blank" rel="noopener">SK ME ANYTHING</a></strong></div></td></tr></tbody></table> </td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td id="templateHeader" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #f3f4f5; background-image: none; background-repeat: no-repeat; background-position: center; background-size: cover; border-top: 0; border-bottom: 0; padding-top: 9px; padding-bottom: 0;" align="center" valign="top" bgcolor="#f3f4f5"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; max-width: 600px;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td class="headerContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 16px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><table style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border-collapse: collapse; margin: 0; padding: 0;" role="presentation" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0; margin: 0;"><table style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" role="presentation" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr class="stack-row"><td class="stack-col col-owner center-mobile pad-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0; margin: 0; line-height: 1.2; vertical-align: middle; width: 120px;" valign="middle" width="120"><span style="font-size: 12px;"><img class="mcnImage" style="border: 0; vertical-align: bottom; display: block; border-radius: 6px; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 105px; height: auto;" src="{OWNERIMG:12}" alt="{OWNERFIRST:4}" width="105" align="right" /></span></td><td class="hide-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; font-size: 1px; line-height: 1px;" width="8">&nbsp;</td><td class="stack-col col-text pad-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 5px 0 5px 5px; margin: 0; line-height: 1.3; vertical-align: middle;" valign="middle"><h1 style="display: block; padding: 0; color: #202020; font-family: Verdana, Geneva, sans-serif; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; margin: 0; text-align: left;"><strong><span style="color: #222; font-family: arial, helvetica neue, helvetica, sans-serif;">{TITLE:10}</span></strong></h1><div style="text-align: left;"><span style="color: #222; font-family: arial, helvetica neue, helvetica, sans-serif; font-size: 15px;"><strong>{OWNERFIRST:4} {OWNERLAST:11}</strong></span><br /> <span style="font-size: 14px;"><span style="color: #222222; font-family: arial, &quot;helvetica neue, helvetica, sans-serif;">{PHONE:15}<br /> {COMPANY:17}</span></span></div></td><td class="hide-mobile" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; font-size: 1px; line-height: 1px;" width="1">&nbsp;</td><td class="stack-col col-logo center-mobile pad-mobile logo-mobile-hide" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 5px 15px 5px 0; margin: 0; text-align: center;" align="center" valign="middle"><span style="font-size: 12px;"><img class="mcnImage" style="vertical-align: bottom; display: block; border: 0; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 125px; height: auto;" src="{LOGO:8}" alt="LOGO" width="125" align="center" /></span></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table> </td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td id="templateBody" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #ffffff; background-image: none; background-repeat: no-repeat; background-position: center; background-size: cover; border-top: 0; border-bottom: 0; padding-top: 20px; padding-bottom: 9px;" align="center" valign="top" bgcolor="#ffffff"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; max-width: 600px;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td class="bodyContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">THE MANUAL DOESN'T EXIST&nbsp;&nbsp;</h2><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">A fabulous thing about the 90s is that every appliance came with a manual thick enough to stop a small raccoon, and somehow we all treated that as normal.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Today, the manual is gone, the buttons have multiplied, and everyone is expected to "figure it out" like we're all capable of operating a nuclear submarine.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Which is why a good real estate guide is a beautiful thing. Give me a call. An hour with me will save you 20 hours of YouTube videos.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><em>Let's tuck into the good stuff...</em></p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><strong>Householding -&nbsp;</strong>Soundproofing walls between bedrooms<br /> <strong>Real Estate Q&amp;A -</strong>&nbsp;'How can we lower our existing mortgage payment?'<br /> <strong>Brain Snacks -&nbsp;</strong>Where in the world...? / A unique road trip idea ...<br /> <strong>July Quiz - </strong>Reply to win a cup of coffee on me<br /> <strong>Word Search - </strong>Summer&nbsp;Road Tripping</td></tr></tbody></table> </td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 2px solid #EAEAEA;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><span style="font-size: 24px;">HOUSEHOLDING</span></h2><h3 class="null" style="display: block; margin: 0; padding: 0; color: #000000; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Soundproofing the&nbsp;walls between bedrooms</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">If your house has bedrooms that share a wall, then you know how sound travels between the rooms. No one wants their private lives shared, or to hear someone else's.&nbsp;</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Short of reconstructing the walls, you can use one or more of these solutions, preferably on both sides of the wall (keeping in mind that density is your friend):&nbsp;</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">The most important first step is to seal all the electrical outlets and door gaps, as sound waves traveling through air gaps is a huge source of noise. You can buy actual 'acoustic putty' for this purpose.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><img style="border: 0; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border-image: initial; width: 160px; margin: 0px 0px 0px 7px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/18d327e8-2dc9-3ff9-c0b9-d8e068c6e0e7.png" alt="acoustic wall panel" width="160" height="112" align="right" data-file-id="7044029" />Then use a decorative solution: Install stylish acoustic wood paneling; hang plush, floor-to-ceiling tapestries or curtains; add floor-to-ceiling bookcases and books (with a tapestry or vinyl backing); or apply sound-absorbing foam tiles.</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 2px solid #EAEAEA;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">REAL ESTATE Q&amp;A</h2><div style="text-align: center;"><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #4caad8; font-weight: normal; text-decoration: none;" href="https://www.bankofcanada.ca/rates/banking-and-financial-statistics/posted-interest-rates-offered-by-chartered-banks/" target="_blank" rel="noopener">See today's rates.</a></div></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; color: #000000; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">How can we lower our existing mortgage payment?</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Many homeowners assume the only way to lower a mortgage payment is to refinance. Often that's true, but it's not the only option.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>Another option is to recast your mortgage. </strong><br /> Not all lenders offer this, but a recast allows you to make a large principal payment and then have the lender recalculate your monthly payment based on the new, lower loan balance. Unlike a refinance, you typically keep your existing interest rate. Talk to your mortgage lender.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>It's also worth reviewing property taxes and insurance costs. </strong><br />In some cases, shopping for new insurance or appealing an incorrect tax assessment can lower your monthly PITI payment.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>It's also possible to refinance your remaining balance&nbsp;for longer term</strong>.<br /> This will give you lower payments. However, that comes with a steep penalty. You'll be on the hook far longer, and you'll pay a lot more for the home in the long run. So this is a last resort sort of move, if selling is not an option.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>Refinancing when rates drop is your best option.</strong><br /> Even a slight drop might make sense. The catch is that you'll need to weigh the monthly savings against the costs of obtaining the new loan.&nbsp;<strong>A quick rule of thumb: </strong>Divide the cost of refinancing by your expected monthly savings. If refinancing costs $4,000 and saves $150 per month, it will take about 27 months to break even. If you expect to stay in the home longer than that, refinancing may be worth it.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><em>Wanting to lower your payment is smart. There's no sense in paying good money if you don't have to!&nbsp;</em></p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">If you know someone who's looking for reliable real estate answers, please put them in touch with me.&nbsp;{OWNERFIRST:4}, {PHONE:15}</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 2px solid #EAEAEA;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><span style="font-size: 24px;">BRAIN SNACKS&nbsp;</span></h2></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; color: #000000; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Where in the world...?</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><img style="border: 0; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border-image: initial; width: 190px; margin: 0px 7px 0px 0px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/1b39dafa-1bed-3f01-3a07-2e6c4239e769.png" alt="Geoguessr screenshot" width="190" height="100" align="left" data-file-id="7044030" />If you enjoy geography guessing games, then you'll love <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #4caad8; font-weight: normal; text-decoration: none;" href="http://Geoguessr.com" target="_blank" rel="noopener">Geoguessr.com</a>. Using Google maps, Geoguessr shows you an image and gives you a map. You click on the map where you think the image is located. The closer you get to the location, the more points you get.</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; color: #000000; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><span style="font-size: 16px;">Here's a summer road trip idea with character</span></h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><img style="outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border: 0px; width: 160px; margin: 0px 0px 0px 7px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/4e4f315f-5ec0-035b-b788-721cba93a82b.jpg" alt="ghost town" width="160" height="120" align="right" data-file-id="7044031" />Skip the crowded beaches and go hunting for ghost towns. North America is littered with abandoned boomtowns, empty storefronts, weathered saloons, and places where time seems to have stopped somewhere around 1897.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">A quick search of Wikipedia's ghost town directory will probably uncover one surprisingly close to home. And don't stop there. Old mining camps, abandoned rail depots, forgotten schools, and other relics often sit just off the beaten path. Think of it like a real-world treasure hunt. But look fast because they're disappearing!&nbsp;</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 style="display: block; margin: 0; padding: 0; color: #000000; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Why do pencils have lead in them (trick question)?</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">You might be surprised to learn that pencils have never contained lead. The core is&nbsp;made of graphite powder (a form of carbon, not lead) mixed with a binding agent. Why do we persist in calling it "pencil lead?"&nbsp;In the 1500&rsquo;s, graphite was discovered in England. Metallurgists at first thought it was a form of lead. However, the name stuck.&nbsp;Graphite in its pure form is brittle. So, people started embedding it in hollowed-out pieces of wood. Thus the No.2 yellow pencil was born.</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; color: #000000; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Try a Spending Fast</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">One of the more interesting budgeting ideas I've come across recently is the concept of a spending fast.&nbsp;<img style="border: 0; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border-image: initial; width: 150px; margin: 0px 7px 0px 0px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/a4f0dc87-e5d0-91c9-c320-aa5116f8a981.png" alt="piggy bank" width="150" height="130" align="left" data-file-id="6760007" />The idea is that in the same way food fasting can help reset eating habits, a spending fast can help reset money habits. It's simple, but probably not easy.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>The challenge is straightforward: </strong>Commit to spending absolutely no money for one day each month. No online shopping. No takeout. No impulse purchases. Then try stretching it to two or three days.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">What surprises most people isn't how difficult it is. It's how often they reach for their wallet without thinking. A spending fast shines a spotlight on those automatic purchases that quietly drain a budget.</p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnBoxedTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnBoxedTextBlockOuter"><tr><td class="mcnBoxedTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnBoxedTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px 18px 9px 18px;"><table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #f3f4f5; min-width: 100%;" border="0" width="100%" cellspacing="0" bgcolor="#F3F4F5"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; line-height: 150%; padding: 18px; color: #000000; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: center;" align="center" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">JULY QUIZ QUESTION</h2><strong>WIN A FREE COFFEE CARD!</strong><br /> <br /> <em>What is unique about this sentence:<br /> "The quick brown fox jumps over the lazy dog."</em><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; line-height: 150%; color: #000000; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: center;">______________</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; line-height: 150%; color: #000000; font-family: Helvetica; font-size: 14px; font-weight: normal; text-align: center;"><strong>Simply REPLY to this email with your answer for a chance to win!</strong><br /> <em>Last month's answer: Mary was born in Australia.</em></p></td></tr></tbody></table></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 22px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><span style="font-size: 24px;">WORD SEARCH</span></h2></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 style="display: block; margin: 0; padding: 0; color: #000000; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Summer Road Trips</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;">Enjoy this fun puzzle. No login or registration needed. <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #4caad8; font-weight: normal; text-decoration: none;" href="https://members.fastnewsletters.com/word-search-july-1-summer-road-trips/" target="_blank" rel="noopener">Click to play now!</a></p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnImageBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnImageBlockOuter"><tr><td class="mcnImageBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; text-align: center; padding: 0 9px 0 9px;" align="center" valign="top"><a class="" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" title="" href="https://members.fastnewsletters.com/word-search-july-1-summer-road-trips/" target="_blank" rel="noopener"> <img class="mcnImage" style="-ms-interpolation-mode: bicubic; border: 0; height: auto; outline: none; text-decoration: none; max-width: 1200px; padding-bottom: 0; vertical-align: bottom; display: inline;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/cf4994c0-82e7-e926-f6e7-9a77cab1ea20.png" alt="word search puzzle" width="564" align="center" /> </a></td></tr></tbody></table></td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 2px solid #EAEAEA;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><table style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border-collapse: collapse;" width="90%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="middle"><img class="mcnImage" style="border: 0; vertical-align: bottom; border-radius: 6px; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 110px; display: inline-block; height: auto;" src="{OWNERIMG:12}" alt="{OWNERFIRST:4}'s image" width="110" data-file-id="4123549" /></td><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;&nbsp;</td><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="left"><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 15px; line-height: 150%; text-align: left;"><strong>{OWNERFIRST:4} {OWNERLAST:11}<br /> {PHONE:15}<br /> <em>{COMPANY:17}</em></strong></p></td></tr></tbody></table></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px 18px 98px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td id="templateFooter" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #fafafa; background-image: none; background-repeat: no-repeat; background-position: center; background-size: cover; border-top: 0; border-bottom: 0; padding-top: 9px; padding-bottom: 9px;" align="center" valign="top" bgcolor="#fafafa"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; max-width: 600px;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center"><tbody><tr><td class="footerContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top">&nbsp;</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></center>