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USA 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;"><em>Also - Rates are up-should you buy now? + Why ghosts say BOO!</em></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"> </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, "helvetica neue, helvetica, sans-serif;">{PHONE:15}<br /> <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #4b6f96; font-weight: bold; text-decoration: none;" href="{WEBSITE:14}" target="_blank" rel="noopener">{COMPANY:17}</a></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"> </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"><h4 style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left;">Your Taste Has a Birthday</h4><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 probably don’t notice which decade your decorating style belongs to, but a buyer will. Could your style affect your home's value or selling speed? Maybe. Let's talk about what, if anything, needs to be done to maximize your home's value for selling. {OWNERFIRST:4}, {PHONE:15}<br /> <br /> And now, on to the spooky good content...</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"><h2 style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">How much is a haunted house worth?</h2></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: 0px;" 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 0px 0 0px;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 600px; padding-bottom: 0; vertical-align: bottom; display: inline;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/d52e9cca-b836-637c-ac4f-0e03216aaf4c.png" alt="haunted house" width="600" align="center" /></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">In real estate, a home associated with a murder, death, or alleged ghosts is known as a <strong>stigmatized property</strong>. There's nothing physically wrong with the house. The problem is how buyers feel about it. And sometimes that reputation comes with a price.<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;">Take the “Los Feliz Murder Mansion” in Los Angeles. In 1959, the grand Spanish Revival home was the site of a notorious family tragedy. Afterward, it sat largely unoccupied for decades, becoming a neighborhood legend. When it finally sold in 2020, the buyer paid $2.35 million—33% below its original $3.5 million asking price.</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>But one buyer's nightmare can be another’s dream home.</strong> In a recent survey, 39% of buyers said they'd buy a house they knew was haunted, while another 26% said they'd at least consider 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;">Most wanted a substantial discount for accepting a supernatural roommate. But not everyone. <strong>Sometimes a haunted reputation can be part of a home’s allure as an Airbnb or tourist attraction.</strong></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;">For instance, the Rhode Island farmhouse that inspired The Conjuring was listed for $1.2 million. A buyer fascinated by the paranormal paid $1.525 million—27% over asking. The house was already attracting visitors and paranormal investigators, making it a spooky good investment.</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>So how much is a ghost worth? </strong>Like everything else in real estate, whatever the market is willing to pay—or not pay—for one. Let me know if you need an appraisal on your haunted house.</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: 15px; 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: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><strong>OCTOBER QUIZ QUESTION</strong></h2><em>(This is a tough one.)</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: 15px; font-weight: normal; text-align: center;">Four people sit around a table. One stole a ring. Each accuses the other.<em> </em></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: 15px; font-weight: normal; text-align: center;"><em>● Alice points to Ben. ● Ben points to Chloe. <br /> ● Cloe points to Dan. ● Dan points back to Ben.</em></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: 15px; font-weight: normal; text-align: center;">Two of them are lying and two are telling the truth. <em><strong>Who stole the ring?</strong></em></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: 15px; 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: 15px; font-weight: normal; text-align: center;">Reply to this email with your answer & a chance to win a free $5 coffee card.<br /> Enjoy a new quiz every month!</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: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><strong>REAL ESTATE Q&A</strong></h2><div style="text-align: center;"><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #266db9; font-weight: bold; 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: #303030; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">"Mortgage rates are high. Should we wait to buy?"</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;">Waiting to buy until rates fall might save you money—but only if home prices don’t rise in the meantime. If the home you want home costs considerably more by the time rates come down, the higher purchase price could wipe out your interest savings.</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;">My advice: Buy a home you can comfortably afford at today’s payment. Then…</p><ul><li style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">If rates eventually fall, you may have an opportunity to lower your borrowing costs in the future.</li><li style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">If rates stay where they are, waiting accomplished little.</li><li style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">And if rates rise, today’s mortgage could suddenly look pretty attractive. You’ll also have spent those waiting years owning the home rather than wondering whether you should have bought earlier.</li></ul>The key is to choose a home that fits comfortably within your budget at today’s rates. If you can afford the payment now, you don’t need to predict where rates are headed to feel good about the decision.<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;">And if rates eventually fall enough to give you an opportunity to lower your borrowing costs, consider that an added benefit—not something you needed to make the purchase work.</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>Please don't be shy about contacting me for a fact-finding appointment.</strong> Or refer me to someone who could use some advice without obligation. You can hit reply to this newsletter to message me right now, or contact me at {PHONE:15}. ~{OWNERFIRST:4}</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"><hr /><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><strong>TIPS, HACKS & BRAIN SNACKS </strong></h2></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnCaptionBlock" 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 class="mcnCaptionBlockOuter"><tr><td class="mcnCaptionBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnCaptionLeftContentOuter" 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 class="mcnCaptionLeftContentInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0 9px;" valign="top"><table class="mcnCaptionLeftImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: right;" border="0" width="132" cellspacing="0" cellpadding="0" align="right"><tbody><tr><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: 325px;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/75073d4c-ff32-06dd-6a6d-81829286cefe.png" alt="" width="132" /></td></tr></tbody></table><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="396" 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;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; color: #303030; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Why do ghosts say “Boo”?</h3>For centuries, shouting “bo” or “boh” wasn’t meant to terrify, but to announce your presence or chase off animals like geese. By the 1700s in Scotland, people were using “boo” to scare small children. By the 1800s, it had become associated with ghosts. The spirit world eventually settled on a standard greeting and has seen no reason to update it. Happy Halloween!</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"><h3 class="null" style="display: block; margin: 0; padding: 0; color: #303030; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Instant hacks for the ‘memory challenged’</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 you're memory challenged, try these hacks: ● Can't remember where you put something? Say its location out loud: “The passport is in the blue desk drawer.” ● Need to remember something tomorrow? Put an unusual object in your path—a shoe on the kitchen counter will make you stop and ask why. ● For dates and numbers, create a silly association: a 2:30 appointment becomes “two people eating three doughnuts. <strong>Our brains are remarkably good at remembering the unusual, so make your reminders a little weird.</strong><br /> </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: #303030; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><img style="border: 0; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; width: 160px; margin: 0px 9px 0px 0px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/a36c1cb0-63a9-af68-ba71-ca394f4ffcb1.png" alt="smoke detector" width="160" height="135" align="left" data-file-id="7046057" /></h3><h3 style="display: block; margin: 0; padding: 0; color: #303030; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left;">This year, give your smoke detector a real smoke test</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;">It’s October, which means it’s time to test your smoke detectors. Most of us walk around the house and push the small "test" button to make sure the alarm sounds. Unfortunately, that only tests the circuitry and the sounder, not the physical sensor inside that detects particulate.</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;">To be sure your detector works, you need to use "canned smoke," which you can buy online or any hardware store. Stand at a safe distance and spray a small amount toward the detector. If the alarm doesn’t sound quickly, the sensor is likely dirty, blocked, or has failed. A real smoke test like this is the only way to know for sure.</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"><h4 style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: center;">Why your recorded voice sounds strange to you</h4><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 5px; height: auto;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/d66f64f2-cbce-509a-79c4-6cf607a4a46f.png" alt="skeleton with headphones" width="160" height="160" align="right" data-file-id="7046079" />If you've ever heard a recording of yourself and thought, “Do I really sound like that?” The answer is yes, you do. Here’s why:</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;">When you speak, you hear your own voice in two ways: through the air and through vibrations traveling through the bones in your skull. Those vibrations emphasize lower frequencies, making your voice sound richer to you. </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 recording eliminates that bone-conducted sound. What remains is much closer to the voice everyone around you has been hearing all along. The good news? They’re already used to it. You're the only one who thinks you sound strange.</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"><hr /><h2 class="null" style="display: block; margin: 0; padding: 0; color: #202020; font-family: Helvetica; font-size: 20px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;"><strong>WORD SEARCH</strong></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: #303030; font-family: Helvetica; font-size: 18px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center;">Spooky Features of a Haunted House</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: #266db9; font-weight: bold; text-decoration: none;" href="https://members.fastnewsletters.com/october-1-word-search-spooky-home-features/" 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/october-1-word-search-spooky-home-features/" 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/aeddff9e-df36-2462-92b0-f55e8270e80a.png" alt="spooky house features word search" width="564" align="center" /> </a></td></tr></tbody></table></td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; 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CANADA VERSION
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<div style="text-align: center;"><em>Also - Rates are up-should you buy now? + Why ghosts say BOO!</em></div>
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<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, "helvetica neue, helvetica, sans-serif;">{PHONE:15}<br /> <a href="{WEBSITE:14}" target="_blank" rel="noopener">{COMPANY:17}</a></span></span></div>
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<h4>Your Taste Has a Birthday</h4>
<p>You probably don’t notice which decade your decorating style belongs to, but a buyer will. Could your style affect your home's value or selling speed? Maybe. Let's talk about what, if anything, needs to be done to maximize your home's value for selling. {OWNERFIRST:4}, {PHONE:15}<br /> <br /> And now, on to the spooky good content...</p>
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<h2>How much is a haunted house worth?</h2>
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<td class="mcnTextContent" style="padding: 0 18px 9px 18px;" valign="top">In real estate, a home associated with a murder, death, or alleged ghosts is known as a <strong>stigmatized property</strong>. There's nothing physically wrong with the house. The problem is how buyers feel about it. And sometimes that reputation comes with a price.
<p>Take the “Los Feliz Murder Mansion” in Los Angeles. In 1959, the grand Spanish Revival home was the site of a notorious family tragedy. Afterward, it sat largely unoccupied for decades, becoming a neighborhood legend. When it finally sold in 2020, the buyer paid $2.35 million—33% below its original $3.5 million asking price.</p>
<p><strong>But one buyer's nightmare can be another’s dream home.</strong> In a recent survey, 39% of buyers said they'd buy a house they knew was haunted, while another 26% said they'd at least consider it.</p>
<p>Most wanted a substantial discount for accepting a supernatural roommate. But not everyone. <strong>Sometimes a haunted reputation can be part of a home’s allure as an Airbnb or tourist attraction.</strong></p>
<p>For instance, the Rhode Island farmhouse that inspired <em>The Conjuring</em> was listed for $1.2 million. A buyer fascinated by the paranormal paid $1.525 million—27% over asking. The house was already attracting visitors and paranormal investigators, making it a spooky good investment.</p>
<p><strong>So how much is a ghost worth? </strong>Like everything else in real estate, whatever the market is willing to pay—or not pay—for one. Let me know if you need an appraisal on your haunted house.</p>
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<h2 class="null" style="text-align: center;"><strong>OCTOBER QUIZ QUESTION</strong></h2>
<em>(This is a tough one.)</em>
<p style="color: #000000; font-family: Helvetica; font-size: 15px; font-weight: normal; text-align: center;">Four people sit around a table. One stole a ring. Each accuses the other.<em> </em></p>
<p style="color: #000000; font-family: Helvetica; font-size: 15px; font-weight: normal; text-align: center;"><em>● Alice points to Ben. ● Ben points to Chloe. <br /> ● Cloe points to Dan. ● Dan points back to Ben.</em></p>
<p style="color: #000000; font-family: Helvetica; font-size: 15px; font-weight: normal; text-align: center;">Two of them are lying and two are telling the truth.<em> <strong>Who stole the ring?</strong></em></p>
<p style="color: #000000; font-family: Helvetica; font-size: 15px; font-weight: normal; text-align: center;">______________</p>
<p style="color: #000000; font-family: Helvetica; font-size: 15px; font-weight: normal; text-align: center;">Reply to this email with your answer & a chance to win a free $5 coffee card.<br /> Enjoy a new quiz every month!</p>
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<h2 class="null" style="text-align: center;"><strong>REAL ESTATE Q&A</strong></h2>
<div style="text-align: center;"><a 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>
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<h3 class="null" style="text-align: center;">"Mortgage rates are high. Should we wait to buy?"</h3>
<p>Waiting to buy until rates fall might save you money—but only if home prices don’t rise in the meantime. If the home you want home costs considerably more by the time rates come down, the higher purchase price could wipe out your interest savings.</p>
<p>My advice: Buy a home you can comfortably afford at today’s payment. Then…</p>
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<li>If rates eventually fall, you may have an opportunity to lower your borrowing costs in the future.</li>
<li>If rates stay where they are, waiting accomplished little.</li>
<li>And if rates rise, today’s mortgage could suddenly look pretty attractive. You’ll also have spent those waiting years owning the home rather than wondering whether you should have bought earlier.</li>
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The key is to choose a home that fits comfortably within your budget at today’s rates. If you can afford the payment now, you don’t need to predict where rates are headed to feel good about the decision.
<p>And if rates eventually fall enough to give you an opportunity to lower your borrowing costs, consider that an added benefit—not something you needed to make the purchase work.</p>
<p><strong>Please don't be shy about contacting me for a fact-finding appointment.</strong> Or refer me to someone who could use some advice without obligation. You can hit reply to this newsletter to message me right now, or contact me at {PHONE:15}. ~{OWNERFIRST:4}</p>
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<h2 class="null" style="text-align: center;"><strong>TIPS, HACKS & BRAIN SNACKS </strong></h2>
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<h3 class="null" style="text-align: center;">Why do ghosts say “Boo”?</h3>
For centuries, shouting “bo” or “boh” wasn’t meant to terrify, but to announce your presence or chase off animals like geese. By the 1700s in Scotland, people were using “boo” to scare small children. By the 1800s, it had become associated with ghosts. The spirit world eventually settled on a standard greeting and has seen no reason to update it. Happy Halloween!</td>
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<h3 class="null" style="text-align: center;">Instant hacks for the ‘memory challenged’</h3>
<p>If you're memory challenged, try these hacks: ● Can't remember where you put something? Say its location out loud: “The passport is in the blue desk drawer.” ● Need to remember something tomorrow? Put an unusual object in your path—a shoe on the kitchen counter will make you stop and ask why. ● For dates and numbers, create a silly association: a 2:30 appointment becomes “two people eating three doughnuts. <strong>Our brains are remarkably good at remembering the unusual, so make your reminders a little weird.</strong><br /> </p>
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<h3>This year, give your smoke detector a real smoke test</h3>
<p>It’s October, which means it’s time to test your smoke detectors. Most of us walk around the house and push the small "test" button to make sure the alarm sounds. Unfortunately, that only tests the circuitry and the sounder, not the physical sensor inside that detects particulate.</p>
<p>To be sure your detector works, you need to use "canned smoke," which you can buy online or any hardware store. Stand at a safe distance and spray a small amount toward the detector. If the alarm doesn’t sound quickly, the sensor is likely dirty, blocked, or has failed. A real smoke test like this is the only way to know for sure.</p>
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<h4 style="text-align: center;">Why your recorded voice sounds strange to you</h4>
<p><img style="width: 160px; height: 160px; margin: 0px 0px 0px 5px;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/d66f64f2-cbce-509a-79c4-6cf607a4a46f.png" alt="skeleton with headphones" width="160" height="160" align="right" data-file-id="7046079" />If you've ever heard a recording of yourself and thought, “Do I really sound like that?” The answer is yes, you do. Here’s why:</p>
<p>When you speak, you hear your own voice in two ways: through the air and through vibrations traveling through the bones in your skull. Those vibrations emphasize lower frequencies, making your voice sound richer to you. </p>
<p>A recording eliminates that bone-conducted sound. What remains is much closer to the voice everyone around you has been hearing all along. The good news? They’re already used to it. You're the only one who thinks you sound strange.</p>
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<h2 class="null" style="text-align: center;"><strong>WORD SEARCH</strong></h2>
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<h3 style="text-align: center;">Spooky Features of a Haunted House</h3>
<p style="text-align: left;">Enjoy this fun puzzle. No login or registration needed. <a href="https://members.fastnewsletters.com/october-1-word-search-spooky-home-features/" target="_blank" rel="noopener">Click to play now!</a></p>
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<td class="mcnImageContent" style="text-align: center; padding: 0 9px 0 9px;" valign="top"><a class="" title="" href="https://members.fastnewsletters.com/october-1-word-search-spooky-home-features/" target="_blank" rel="noopener"> <img class="mcnImage" style="max-width: 1200px; padding-bottom: 0; display: inline !important; vertical-align: bottom;" src="https://mcusercontent.com/7ebd2aee68d190ade0477fae2/images/aeddff9e-df36-2462-92b0-f55e8270e80a.png" alt="spooky house features word search" width="564" align="center" /> </a></td>
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<p><strong>{OWNERFIRST:4} {OWNERLAST:11}<br /> {PHONE:15}<br /> <em>{COMPANY:17}</em></strong></p>
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