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<div style="text-align: center;"><em>Plus, 15 down payment saving ideas</em></div>
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{SLOGAN:9}</td>
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<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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; padding: 0px 18px 9px; font-style: normal; font-weight: normal;" align="left" valign="top">
<h2 style="display: block; margin: 0; padding: 0; font-family: 'Merriweather Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 18px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left; color: #202020;">The everyday magic of a gratitude moment</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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; font-style: normal; font-weight: normal;">How often do you feel thankful for a hot shower? Or your refrigerator? Or your car for starting? Probably not often. Unless something breaks.</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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; font-style: normal; font-weight: normal;">Funny how that works, isn't it? We're pretty good at appreciating the big milestones in life. But the everyday stuff? We barely notice it until something goes wrong.</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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; font-style: normal; font-weight: normal;"><strong>And it's not just material things.</strong> There's the friend who always answers when you call. The spouse who makes your coffee just the way you like it. The neighbor who waves when you drive by. Ordinary little pleasures that make life better.</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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; font-style: normal; font-weight: normal;"><strong>Feeling thankful for the little things isn't just a nice idea. </strong>it has real benefits for your mind and body. Studies show that small, daily acts of gratitude can improve our mood, lower anxiety, and even help us sleep better. It gives us a positive outlook that naturally draws people in, opening doors to new friendships and opportunities. <em>Not bad for something that doesn't cost a penny!</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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; font-style: normal; font-weight: normal;">You can start right now. Look around and find three things you appreciate. Nothing spectacular required: a warm room, a familiar voice, the crisp fall air, the color of your favorite chair.</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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; font-style: normal; font-weight: normal;">Take a moment to feel grateful for each one. No analyzing, no judging. Just pure appreciation. Make it a conscious practice to feel grateful for the little things all day long and see what happens.</p>
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<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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13px; line-height: 150%; padding: 0px 18px 9px; text-align: center;" align="center" valign="top"><strong>{OWNERFIRST:4} {OWNERLAST:11}<br /> {PHONE:15}</strong></td>
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<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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13px; line-height: 150%; padding: 0px 18px 9px; text-align: center;" align="center" valign="top"><span style="color: #696969;"><em>{COMPANY:17}</em></span></td>
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<td class="mcnButtonContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; font-family: Arial; font-size: 12px; padding: 11px;" align="center" valign="middle"><a class="mcnButton " style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; display: block; font-weight: bold; letter-spacing: normal; line-height: 100%; text-align: center; text-decoration: none; color: #ffffff;" title="SEARCH HOMES" href="{WEBSITE:14}" target="_blank" rel="noopener">SEARCH HOMES</a></td>
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<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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13px; 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; font-family: Helvetica; font-size: 17px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left; color: #1381c0;">The Most Important Thing</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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13px; line-height: 150%; text-align: left;">A real estate career involves a little bit of everything — math, marketing, contracts, and, of course, houses. But at its heart, it’s always about people. Thank you so much for being part of my journey and allowing me to be part of yours. I’m truly grateful for your trust. Please know you can reach out anytime with any question. <br /> {OWNERFIRST:4}, {PHONE:15}</p>
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<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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; 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; font-family: 'Merriweather Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 18px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: center; color: #202020;">HOUSEHOLDING TIPS & HACKS</h2>
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<td class="mcnCaptionLeftImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; vertical-align: bottom; max-width: 1200px;" src="https://mcusercontent.com/d176f34dd6765bd83c9030617/images/ac39b8ff-6c8c-37c6-936d-5e8405e11fc4.png" alt="House on Down Payment Foundation" width="263" /></td>
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<table class="mcnCaptionLeftTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left;" border="0" width="263" cellspacing="0" cellpadding="0" align="left">
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<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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left;" align="left" valign="top">
<h3 class="null" style="display: block; margin: 0; padding: 0; font-family: Helvetica; font-size: 17px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left; color: #1381c0;">Your Down Payment Is Closer Than You Think - 15 Down Payment Saving Ideas</h3>
Saving thousands for a home can seem impossible until you break it into smaller steps. A few smart changes in how you earn, spend, and save can make a surprising difference. Want to get serious about buying a home? Click to read these 15 steps now.</td>
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<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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; 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; font-family: Helvetica; font-size: 17px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left; color: #1381c0;">Buying a New Build? Look for Incentives!</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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left;">Planning to shop for a new construction home? If so, you'll want to keep your eye out for the best incentives. As mortgage rates have risen, new home builders are better able to gain market share by offering incentives. <strong>The most common right now, offered by 13.8% of builders is a rate buy-down.</strong> It’s essentially where they pay upfront costs to help buyers get a lower rate, and by extension, a lower monthly payment. It helps builders sell more homes, and if you can find one, it helps you buy with a lower monthly payment.</p>
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<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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; 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; font-family: 'Merriweather Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 18px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: center; color: #202020;">JUST FOR FUN</h2>
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<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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; 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; font-family: Helvetica; font-size: 17px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center; color: #1381c0;">Word Search - Talking Turkey</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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: center;">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/november-3-word-search-talking-turkey/" target="_blank" rel="noopener">Just click to play now!</a></p>
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<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/november-3-word-search-talking-turkey/" 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/d176f34dd6765bd83c9030617/images/051904c4-88d2-18e1-9a30-759aa572b859.png" alt="Talking Turkey Word Search" width="563.993896484375" align="center" /> </a></td>
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<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: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; padding: 0px 18px 9px; text-align: center;" align="center" valign="top"><strong>{OWNERFIRST:4} {OWNERLAST:11}</strong><br /> <strong>{PHONE:15}</strong><br /> {EMAIL:16}<br /> {COMPANY:17}</td>
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