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Source: http://www.simplifyingthemarket.com/en/feed/

<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:dc="http://purl.org/dc/elements/1.1/">
<channel>
<title>Simplifying the Market</title>
<link>https://www.simplifyingthemarket.com/</link>
<description><![CDATA[Latest content]]></description>
<item>
<title>How Buying or Selling a Home Benefits Your Community</title>
<link>https://www.simplifyingthemarket.com/en/2024/05/08/how-buying-or-selling-a-home-benefits-your-community</link>
<description><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240507/20240508-How-Buying-or-Selling-a-Home-Benefits-Your-Community.png" alt="How Buying or Selling a Home Benefits Your Community Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />If you're thinking of buying or selling a house, it's important to know it doesn't just impact you—it helps out the local economy and your community, too.]]></description>
<content:encoded><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240507/20240508-How-Buying-or-Selling-a-Home-Benefits-Your-Community.png" alt="How Buying or Selling a Home Benefits Your Community Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />If you're thinking of <a href="https://www.simplifyingthemarket.com/2024/04/11/builders-are-building-smaller-homes/" rel="noopener noreferrer" target="_blank">buying</a> or <a href="https://www.simplifyingthemarket.com/2024/04/30/what-more-listings-mean-when-you-sell-your-house/" rel="noopener noreferrer" target="_blank">selling</a> a house, it's important to know it doesn't just impact you—it helps out the local economy and your community, too.Every year, the National Association of Realtors (NAR) puts out a <a href="https://cdn.nar.realtor/sites/default/files/documents/2024-state-economic-impact-of-real-estate-activity-report-united-states-04-09-2024.pdf?_gl=1*gi9lw4*_gcl_au*NDg0ODIxMTgxLjE3MTIyNDc0OTg." rel="noopener noreferrer" target="_blank">report</a> that breaks down the financial impact that comes from people <a href="https://www.simplifyingthemarket.com/2024/04/05/top-5-reasons-to-hire-an-agent-when-buying-a-home-infographic/" rel="noopener noreferrer" target="_blank">buying</a> and <a href="https://www.simplifyingthemarket.com/2024/04/29/nows-a-great-time-to-sell-your-house/" rel="noopener noreferrer" target="_blank">selling</a> homes (see visual below):<a href="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240507/20240508-Impact-of-a-Typical-Home-Sale.png" rel="noopener noreferrer" target="_blank"><img src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240507/20240508-Impact-of-a-Typical-Home-Sale.png" alt="No Caption Received"></a> When a house is sold, it really boosts the local economy. That’s because of all the people needed to <a href="https://www.simplifyingthemarket.com/2024/04/03/newly-built-homes-could-be-a-game-changer-this-spring/" rel="noopener noreferrer" target="_blank">build</a>, fix up, and sell homes. Robert Dietz, Chief Economist at the National Association of Home Builders (NAHB), <a href="https://chicagoagentmagazine.com/2023/01/02/nahb-robert-dietz-new-construction/" rel="noopener noreferrer" target="_blank">explains</a> how the housing industry adds jobs to a community:<blockquote>“. . . housing is a significant job creator. In fact, for every single-family home built, enough economic activity is generated to sustain three full-time jobs for a year . . .”</blockquote>It makes sense that housing creates a lot of jobs because so many different kinds of work are involved in the industry.Think about all the people involved with selling a house—city officials, contractors, lawyers, real estate agents, specialists, etc. Everyone has a job to do to make your deal go through. So, each transaction is a big help to those who work and live in your community.Put simply, when you <a href="https://www.simplifyingthemarket.com/2024/04/25/is-a-multi-generational-home-right-for-you/" rel="noopener noreferrer" target="_blank">buy</a> or <a href="https://www.simplifyingthemarket.com/2024/04/10/should-i-move-with-todays-mortgage-rates/" rel="noopener noreferrer" target="_blank">sell</a> a home, you’re helping out your neighbors. So, when you <a href="https://www.simplifyingthemarket.com/2024/04/16/should-i-wait-for-mortgage-rates-to-come-down-before-i-move/" rel="noopener noreferrer" target="_blank">decide to move</a>, you're not just meeting your own needs—you're also doing something good for your community. Just knowing your move helps so many people around you can give you a sense of empowerment as you make your decision this year.<h3>Bottom Line</h3>Every time a home is sold, it really helps out the local economy. If you’re <a href="/2024/04/12/the-perks-of-downsizing-when-you-retire-infographic/" rel="noopener noreferrer" target="_blank">ready to move</a>, get in touch with a local <a href="/2024/04/09/the-top-5-reasons-you-need-a-real-estate-agent-when-buying-a-home/" rel="noopener noreferrer" target="_blank">real estate agent</a>. It won’t just change your life—it’ll also do a lot of good for the whole community.]]></content:encoded>
<category>For Buyers</category>
<category>For Sellers</category>
<pubDate>Wed, 08 May 2024 10:30:00 +0000</pubDate>
<dc:creator><![CDATA[KCM Crew]]></dc:creator>
</item>
<item>
<title>Tips for Younger Homebuyers: How To Make Your Dream a Reality</title>
<link>https://www.simplifyingthemarket.com/en/2024/05/07/tips-for-younger-homebuyers-how-to-make-your-dream-a-reality</link>
<description><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240503/20240507-Tips-for-Younger-Homebuyers-How-To-Make-Your-Dream-a-Reality.png" alt="Tips for Younger Homebuyers: How To Make Your Dream a Reality Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />If you’re a member of a younger generation, like Gen Z, you may be asking the question: will I ever be able to buy a home?]]></description>
<content:encoded><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240503/20240507-Tips-for-Younger-Homebuyers-How-To-Make-Your-Dream-a-Reality.png" alt="Tips for Younger Homebuyers: How To Make Your Dream a Reality Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />If you’re a member of a younger generation, like Gen Z, you may be asking the question: will I ever be able to buy a home? And chances are, you’re worried that’s not going to be in the cards with inflation, rising <a href="https://www.simplifyingthemarket.com/2024/04/22/what-you-really-need-to-know-about-home-prices-1/" rel="noopener noreferrer" target="_blank">home prices</a>, <a href="https://www.simplifyingthemarket.com/2024/04/23/the-best-way-to-keep-track-of-mortgage-rate-trends/" rel="noopener noreferrer" target="_blank">mortgage rates</a>, and more seemingly stacked against you.While there’s no arguing this housing market is challenging for <a href="https://www.simplifyingthemarket.com/2024/03/22/3-helpful-tips-for-first-time-homebuyers-infographic/" rel="noopener noreferrer" target="_blank">first-time homebuyers</a>, it is still achievable, especially if you have <a href="https://www.simplifyingthemarket.com/2024/04/09/the-top-5-reasons-you-need-a-real-estate-agent-when-buying-a-home/" rel="noopener noreferrer" target="_blank">professionals</a> on your side.Here are some helpful tips you may get from a pro.<h4>1. Explore Your Options for a Down Payment</h4>If a down payment is your #1 hurdle, you may have options to give your savings a boost. There are over 2,000 <a href="https://downpaymentresource.com/homebuyer-resource/navigating-down-payment-assistance-programs-a-homebuyers-guide/" rel="noopener noreferrer" target="_blank">down payment assistance</a> programs designed to make <a href="https://www.simplifyingthemarket.com/2024/04/08/dont-let-your-student-loans-delay-your-homeownership-plans/" rel="noopener noreferrer" target="_blank">homeownership</a> more achievable. And, that’s not the only place you may be able to get a helping hand. While it may not be an option for everyone, 49% of Gen Z homebuyers got money from loved ones that they used toward a down payment, according to LendingTree.And chances are you won’t need to put <a href="https://www.simplifyingthemarket.com/2024/02/26/the-truth-about-down-payments/" rel="noopener noreferrer" target="_blank">20% down</a> (unless specified by your loan type or lender). So be sure to work with a trusted <a href="https://www.simplifyingthemarket.com/2024/03/01/the-first-step-getting-pre-approved-for-a-mortgage-infographic/" rel="noopener noreferrer" target="_blank">mortgage professional</a> to explore your options, find out how much you’ll really need, and learn about any guidelines on getting a gift from loved ones.<h4>2. Live with Loved Ones To Boost Your Savings</h4>Another thing a number of Gen Z buyers are doing is ditching their <a href="https://www.simplifyingthemarket.com/2024/04/17/is-it-better-to-rent-than-buy-a-home-right-now-1/" rel="noopener noreferrer" target="_blank">rental</a> and moving back in with friends or <a href="https://www.simplifyingthemarket.com/2024/04/25/is-a-multi-generational-home-right-for-you/" rel="noopener noreferrer" target="_blank">family</a>. This can help cut down your housing costs so you can build your <a href="https://www.simplifyingthemarket.com/2024/03/25/what-every-homebuyer-should-know-about-closing-costs/" rel="noopener noreferrer" target="_blank">savings</a> a whole lot faster. As Bankrate <a href="https://www.bankrate.com/homeownership/gen-z-and-homebuying/#homebuying-barriers" rel="noopener noreferrer" target="_blank">explains</a>:<blockquote>“. . . many have opted to stop renting and live with family in order to boost their savings. Thirty percent of Gen Z homebuyers move directly from their family member’s home to a home of their own, according to NAR.”</blockquote><h4>3. Cast a Broad Net for Your Search</h4>When you’ve <a href="https://www.simplifyingthemarket.com/2024/04/15/ways-to-use-your-tax-refund-if-you-want-to-buy-a-home/" rel="noopener noreferrer" target="_blank">saved up</a> enough, here’s how a pro will help you approach your search. Since the supply of <a href="https://www.simplifyingthemarket.com/2024/03/28/is-it-easier-to-find-a-home-to-buy-now/" rel="noopener noreferrer" target="_blank">homes for sale</a> is still low and affordability is tight, they’ll give you strategies and avenues you may not have considered to open up your pool of options.For example, it’s usually <a href="https://www.simplifyingthemarket.com/2024/04/18/is-it-getting-more-affordable-to-buy-a-home/" rel="noopener noreferrer" target="_blank">more affordable</a> if you consider a rural or suburban area versus an urban one. So, while the city may be livelier and more energetic, the cost of living may be reason enough to look at something further out. And if you consider <a href="https://www.simplifyingthemarket.com/2024/04/11/builders-are-building-smaller-homes/" rel="noopener noreferrer" target="_blank">smaller homes</a> and <a href="https://www.simplifyingthemarket.com/2024/02/16/achieve-your-dream-of-homeownership-with-condos-and-townhomes-infographic/" rel="noopener noreferrer" target="_blank">condos or townhouses</a>, you’ll give yourself even more ways to break into the market. As Colby Stout, Research Analyst at Bright MLS, <a href="https://brightmls.com/article/unlocking-the-door-to-starter-homes" rel="noopener noreferrer" target="_blank">explains</a>:<blockquote>“Being flexible on the types of home (e.g., a condo or townhome versus a single-family home) and exploring more affordable neighborhoods is important for first-time buyers.”</blockquote><h4>4. Take a Close Look at Your Wants and Needs</h4>And lastly, an agent can help you really think about your must-have’s and nice-to-have’s. Remember, your <a href="https://www.simplifyingthemarket.com/2024/03/11/finding-your-perfect-home-in-a-fixer-upper/" rel="noopener noreferrer" target="_blank">first home</a> doesn’t have to be your forever home. You just need to get your foot in the door to start <a href="https://www.simplifyingthemarket.com/2024/03/13/your-home-is-a-powerful-investment/" rel="noopener noreferrer" target="_blank">building equity</a>. If you want <a href="https://www.simplifyingthemarket.com/2024/03/04/what-to-know-about-credit-scores-before-buying-a-home/" rel="noopener noreferrer" target="_blank">to buy</a>, you may find making some compromises is worth it. As Chase says:<blockquote>“An open-minded approach to house-hunting may be one way for Gen Z homebuyers to maintain some edge. This could mean buying in areas that are less expensive. Differentiating needs vs. wants may help in this area as well.”</blockquote>An agent will help you prioritize your list of home features and find houses that can deliver on the top ones. And they’ll be able to explain how <a href="https://www.simplifyingthemarket.com/2024/03/20/does-it-make-sense-to-buy-a-home-right-now/" rel="noopener noreferrer" target="_blank">equity</a> can benefit you in the long run and make it possible to move into that dream home down the line.<h3>Bottom Line</h3>Real estate professionals have expertise on what’s working for other buyers like you. Lean on them for tips and advice on ways you can get ready to buy. As Directors Mortgage says, with that support you can make it happen: <blockquote>“The path to homeownership may not be a straightforward one for Gen Z, but it’s undoubtedly within reach. By adopting the right strategies, like exploring down payment assistance programs and sharing living costs with relatives, you can bring your dream of owning a home closer to reality.”</blockquote>]]></content:encoded>
<category>For Buyers</category>
<category>First-Time Buyers</category>
<pubDate>Tue, 07 May 2024 10:30:00 +0000</pubDate>
<dc:creator><![CDATA[KCM Crew]]></dc:creator>
</item>
<item>
<title>What's Motivating Your Move?</title>
<link>https://www.simplifyingthemarket.com/en/2024/05/06/whats-motivating-your-move</link>
<description><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240502/240506-What-s-Motivating-Your-Move.png" alt="What's Motivating Your Move? Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />Thinking about selling your house?]]></description>
<content:encoded><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240502/240506-What-s-Motivating-Your-Move.png" alt="What's Motivating Your Move? Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />Thinking about <a href="https://www.simplifyingthemarket.com/2024/04/16/should-i-wait-for-mortgage-rates-to-come-down-before-i-move/" rel="noopener noreferrer" target="_blank">selling your house</a>? As you make your decision, consider what's pushing you to think about moving. A recent <a href="https://www.realtor.com/research/2024-q1-sellers-survey-btts/" rel="noopener noreferrer" target="_blank">survey</a> from Realtor.com looked into why people want to sell their homes this year. Here are the top two reasons (see graphic below):<a href="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240502/20240506-Top-2-Reasons-Homeowners-Plan-To-Move.png" rel="noopener noreferrer" target="_blank"><img src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240502/20240506-Top-2-Reasons-Homeowners-Plan-To-Move.png" alt="No Caption Received"></a> Let's take a closer look and see if they’re motivating you to make a change too.<h4>1. To Make a Profit</h4>If you’re thinking about <a href="https://www.simplifyingthemarket.com/2024/03/29/outdoor-projects-can-boost-curb-appeal-when-you-sell-infographic/" rel="noopener noreferrer" target="_blank">selling your house</a>, you probably have a lot of questions on your mind. Well, here's some good news – the latest data shows most sellers get a great return on their investment when they sell. ATTOM, a property data provider, <a href="https://www.attomdata.com/news/most-recent/attoms-year-end-2023-u-s-home-sales-report/" rel="noopener noreferrer" target="_blank">explains</a>:<blockquote>“. . . home sellers made a $121,000 profit on the typical sale in 2023, generating a 56.5 percent return on investment.”</blockquote>That’s significant. And here’s one contributing factor. During the pandemic, <a href="https://www.simplifyingthemarket.com/2024/04/22/what-you-really-need-to-know-about-home-prices-1/" rel="noopener noreferrer" target="_blank">home prices</a> skyrocketed. There was way more buyer demand than homes available for sale and that combination pushed prices up.Now, home prices are still rising, just not as fast. That ongoing appreciation is good news for your bottom line. Any profit you make can help offset some of today’s <a href="https://www.simplifyingthemarket.com/2024/04/18/is-it-getting-more-affordable-to-buy-a-home/" rel="noopener noreferrer" target="_blank">affordability challenges</a> when you buy your next home.If you want to know how much your house is worth now and what's going on with prices in your area, talk to a local <a href="https://www.simplifyingthemarket.com/2024/02/28/why-you-want-an-agents-advice-for-your-move/" rel="noopener noreferrer" target="_blank">real estate agent</a>.<h4>2. For Family Reasons</h4>Maybe you want to be near relatives to help take care of <a href="https://www.simplifyingthemarket.com/2024/04/25/is-a-multi-generational-home-right-for-you/" rel="noopener noreferrer" target="_blank">older family members</a> or to have more support nearby. Or maybe you’re just eager to spend time together on special occasions like birthdays and holidays.<a href="https://www.simplifyingthemarket.com/2024/04/12/the-perks-of-downsizing-when-you-retire-infographic/" rel="noopener noreferrer" target="_blank">Selling a house</a> and moving closer to the people who matter the most to you helps keep you connected. If the distance is making you miss out on some big milestones in their lives, it might be time to talk to a local real estate agent to find a place close by. The National Association of Realtors (NAR) <a href="https://www.nar.realtor/magazine/tools/client-education/handouts-for-buyers/7-reasons-to-work-with-a-realtor#:~:text=A%20great%20real%20estate%20agent,Give%20you%20expanded%20search%20power." rel="noopener noreferrer" target="_blank">says</a>:<blockquote>“A great real estate agent will guide you through the home search with an unbiased eye, helping you meet your buying objectives while staying within your budget.”</blockquote><h3>Bottom Line</h3>If you're thinking about <a href="/2024/04/10/should-i-move-with-todays-mortgage-rates/" rel="noopener noreferrer" target="_blank">selling your house</a>, there’s probably a good reason for it. Why not talk to a local real estate agent? They can <a href="/2024/04/02/why-overpricing-your-house-can-cost-you/" rel="noopener noreferrer" target="_blank">help you</a> make the right move to reach your goals this year.]]></content:encoded>
<category>For Sellers</category>
<category>Selling Tips</category>
<pubDate>Mon, 06 May 2024 10:30:00 +0000</pubDate>
<dc:creator><![CDATA[KCM Crew]]></dc:creator>
</item>
<item>
<title>Builders Are Building Smaller Homes [INFOGRAPHIC]</title>
<link>https://www.simplifyingthemarket.com/en/2024/05/03/builders-are-building-smaller-homes-infographic-1</link>
<description><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240430/20240503-Builders-Are-Building-Smaller-Homes-KCM-Share.png" alt="Builders Are Building Smaller Homes [INFOGRAPHIC] Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />Having a hard time finding a home in your budget? Builders may have a solution that can help.]]></description>
<content:encoded><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240430/20240503-Builders-Are-Building-Smaller-Homes-KCM-Share.png" alt="Builders Are Building Smaller Homes [INFOGRAPHIC] Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" /><a href="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240502/Builders-Are-Building-Smaller-Homes-MEM-1-.png" rel="noopener noreferrer" target="_blank"><img src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240502/Builders-Are-Building-Smaller-Homes-MEM-1-.png" alt="No Caption Received"></a><h3>Some Highlights</h3><ul><li>Having a hard time <a href="/2024/04/03/newly-built-homes-could-be-a-game-changer-this-spring/" rel="noopener noreferrer" target="_blank">finding a home</a> in your budget? <a href="https://www.census.gov/construction/nrc/quarterly.html" rel="noopener noreferrer" target="_blank">Builders</a> may have a solution that can help.</li><li><a href="https://www.nahb.org/news-and-economics/press-releases/2024/04/home-buyer-preferences-shift-as-affordability-challenges-remain" rel="noopener noreferrer" target="_blank">Builders</a> are shifting their attention to what buyers want most right now – <a href="/2024/04/11/builders-are-building-smaller-homes/" rel="noopener noreferrer" target="_blank">smaller</a>, <a href="https://www.veteransunited.com/futurehomeowners/a-smaller-home-could-mean-big-savings/" rel="noopener noreferrer" target="_blank">more affordable</a> homes.</li><li>If you want to see what’s available locally and in other areas nearby, connect with an agent to explore your options together. </li></ul>]]></content:encoded>
<category>For Buyers</category>
<category>Infographics</category>
<category>First-Time Buyers</category>
<category>Inventory</category>
<pubDate>Fri, 03 May 2024 10:30:00 +0000</pubDate>
<dc:creator><![CDATA[KCM Crew]]></dc:creator>
</item>
<item>
<title>What Is Going on with Mortgage Rates?</title>
<link>https://www.simplifyingthemarket.com/en/2024/05/02/what-is-going-on-with-mortgage-rates</link>
<description><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240501/20240502-What-s-Going-on-with-Mortgage-Rates.png" alt="What Is Going on with Mortgage Rates? Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />You may have heard mortgage rates are going to stay a bit higher for longer than originally expected.]]></description>
<content:encoded><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240501/20240502-What-s-Going-on-with-Mortgage-Rates.png" alt="What Is Going on with Mortgage Rates? Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />You may have heard <a href="https://www.simplifyingthemarket.com/2024/04/23/the-best-way-to-keep-track-of-mortgage-rate-trends/" rel="noopener noreferrer" target="_blank">mortgage rates</a> are going to stay a bit higher for longer than originally expected. And if you’re wondering why, the answer lies in the latest economic data. Here’s a quick overview of what’s happening with mortgage rates and what experts say is ahead.<h4>Economic Factors That Impact Mortgage Rates</h4>When it comes to mortgage rates, things like the job market, the pace of inflation, consumer spending, geopolitical uncertainty, and more all have an impact. Another factor at play is the Federal Reserve (the Fed) and its decisions on monetary policy. And that’s what you may be hearing a lot about right now. Here’s why.The Fed decided to start raising the Federal Funds Rate to try to slow down the economy (and inflation) in early 2022. That rate impacts how much it costs banks to borrow money from each other. It doesn't determine mortgage rates, but mortgage rates do respond when this happens. And that’s when <a href="https://www.simplifyingthemarket.com/2024/04/10/should-i-move-with-todays-mortgage-rates/" rel="noopener noreferrer" target="_blank">mortgage rates</a> started to really climb.And while there’s been a ton of headway seeing inflation come down since then, it still isn’t back to where the Fed wants it to be (2%). The <a href="https://fred.stlouisfed.org/graph/?g=rocU#0%E2%80%8B" rel="noopener noreferrer" target="_blank">graph below</a> shows inflation since the spike in early 2022, and where we are now compared to their target rate:<a href="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240501/20240502-Inflation-Inches-Up-Slightly.png" rel="noopener noreferrer" target="_blank"><img src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240501/20240502-Inflation-Inches-Up-Slightly.png" alt="No Caption Received"></a> As the graph shows, we’re much closer to their goal of 2% inflation than we were in 2022 – but we’re not there yet. It's even inched up a hair over the last 3 months – and that’s having an impact on the Fed’s plans. As Sam Khater, Chief Economist at Freddie Mac, <a href="https://money.usnews.com/loans/mortgages/mortgage-rate-forecast" rel="noopener noreferrer" target="_blank">explains</a>:<blockquote>“Strong incoming economic and inflation data has caused the market to re-evaluate the path of monetary policy, leading to higher mortgage rates.”</blockquote>Basically, long story short, inflation and its impact on the broader economy are going to be key moving forward. As Greg McBride, Chief Financial Analyst at Bankrate, says:<blockquote>“It’s the longer-term outlook for economic growth and inflation that have the greatest bearing on the level and direction of mortgage rates. Inflation, inflation, inflation — that’s really the hub on the wheel.”</blockquote><h4>When Will Mortgage Rates Come Down?</h4>Based on current market data, experts think inflation will be more under control and we still may see the Fed lower the Federal Funds Rate this year. It’ll just be later than originally expected. As Mike Fratantoni, Chief Economist at the Mortgage Bankers Association (MBA), <a href="https://themortgagereports.com/112576/fed-skips-rate-hike-may-2024" rel="noopener noreferrer" target="_blank">said</a> in response to the Federal Open Market Committee (<a href="https://www.federalreserve.gov/monetarypolicy/fomc.htm" rel="noopener noreferrer" target="_blank">FOMC</a>) decision yesterday:<blockquote>“The FOMC did not change the federal funds target at its May meeting, as incoming data regarding the strength of the economy and stubbornly high inflation have resulted in a shift in the timing of a first rate cut. We expect mortgage rates to drop later this year, but not as far or as fast as we previously had predicted.”</blockquote>In the simplest sense, what this says is that <a href="https://www.simplifyingthemarket.com/2024/03/12/what-mortgage-rate-do-you-need-to-move/" rel="noopener noreferrer" target="_blank">mortgage rates</a> should still come down later this year. But timing can shift as new employment and economic data come in, geopolitical uncertainty remains, and more. This is one of the reasons it’s usually not a good strategy to try to time the market. An article in Bankrate gives buyers this advice:<blockquote>“ . . . trying to time the market is generally a bad idea. If buying a house is the right move for you now, don’t stress about trends or economic outlooks.”</blockquote><h3>Bottom Line</h3>If you have questions about what’s happening in the housing market and what that means for you, connect with a trusted real estate professional.]]></content:encoded>
<category>Mortgage Rates</category>
<pubDate>Thu, 02 May 2024 10:30:00 +0000</pubDate>
<dc:creator><![CDATA[KCM Crew]]></dc:creator>
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<title>The Perks of Buying over Renting</title>
<link>https://www.simplifyingthemarket.com/en/2024/05/01/the-perks-of-buying-over-renting</link>
<description><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240429/20240501-The-Perks-of-Buying-over-Renting.png" alt="The Perks of Buying over Renting Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />Thinking about buying a home?]]></description>
<content:encoded><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240429/20240501-The-Perks-of-Buying-over-Renting.png" alt="The Perks of Buying over Renting Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />Thinking about buying a home? While today’s <a href="https://www.simplifyingthemarket.com/2024/03/26/whats-the-latest-with-mortgage-rates/" rel="noopener noreferrer" target="_blank">mortgage rates</a> might seem a bit intimidating, here are two solid reasons why, if you’re ready and able, it could still be a smart move to get <a href="https://www.simplifyingthemarket.com/2024/04/15/ways-to-use-your-tax-refund-if-you-want-to-buy-a-home/" rel="noopener noreferrer" target="_blank">your own place</a>.<h4>1. Home Values Typically Go Up Over Time</h4>There’s been some confusion over the past year or so about which way <a href="https://www.simplifyingthemarket.com/2024/04/22/what-you-really-need-to-know-about-home-prices-1/" rel="noopener noreferrer" target="_blank">home prices</a> are headed. Make no mistake, nationally they’re still going up. In fact, over the long-term, <a href="https://www.simplifyingthemarket.com/2024/03/13/your-home-is-a-powerful-investment/" rel="noopener noreferrer" target="_blank">home prices</a> almost always go up (see graph below):<a href="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240429/20240501-Price-Appreciation-over-the-last-60-years.png" rel="noopener noreferrer" target="_blank"><img src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240429/20240501-Price-Appreciation-over-the-last-60-years.png" alt="No Caption Received"></a> Using <a href="https://fred.stlouisfed.org/series/ASPUS" rel="noopener noreferrer" target="_blank">data</a> from the Federal Reserve (the Fed), you can see the overall trend is home prices have climbed steadily for the past 60 years. There was an exception during the 2008 housing crash when prices didn't follow the normal pattern, but generally, home values kept rising.This is a big reason why <a href="https://www.simplifyingthemarket.com/2024/03/18/4-tips-to-make-your-strongest-offer-on-a-home/" rel="noopener noreferrer" target="_blank">buying a home</a> can be better than <a href="https://www.simplifyingthemarket.com/2024/04/17/is-it-better-to-rent-than-buy-a-home-right-now-1/" rel="noopener noreferrer" target="_blank">renting</a>. As prices go up and you pay down your mortgage, you build <a href="https://www.simplifyingthemarket.com/2024/03/20/does-it-make-sense-to-buy-a-home-right-now/" rel="noopener noreferrer" target="_blank">equity</a>. Over time, this growing equity can really increase your net worth. The Urban Institute <a href="https://www.urban.org/projects/wealth-opportunities-realized-through-homeownership-worth-project" rel="noopener noreferrer" target="_blank">says</a>:<blockquote>“Homeownership is critical for wealth building and financial stability.”</blockquote><h4>2. Rent Keeps Rising in the Long Run</h4>Here’s another reason you may want to think about buying a home instead of renting – rent just keeps going up over the years. Sure, it might be cheaper to rent right now in some areas, but every time you renew your lease or sign a new one, you’re likely to feel the squeeze of your rent getting higher. According to <a href="https://ipropertymanagement.com/research/average-rent-by-year" rel="noopener noreferrer" target="_blank">data</a> from iProperty Management, rent has been going up pretty consistently for the last 60 years, too (see graph below):<a href="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240429/20240501-Increase-in-Rents-over-the-last-60-years.png" rel="noopener noreferrer" target="_blank"><img src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240429/20240501-Increase-in-Rents-over-the-last-60-years.png" alt="No Caption Received"></a> So how do you escape the cycle of rising rents? Buying a home with a fixed-rate mortgage helps you stabilize your housing costs and say goodbye to those annoying rent increases. That kind of stability is a big deal.Your housing payments are like an investment, and you've got a decision to make. Do you want to invest in yourself or keep paying your landlord?When you own your home, you're investing in your own future. And even when renting is cheaper, that money you pay every month is gone for good.As Dr. Jessica Lautz, Deputy Chief Economist and VP of Research at the National Association of Realtors (NAR), says:<blockquote>“If a homebuyer is financially stable, able to manage monthly mortgage costs and can handle the associated household maintenance expenses, then it makes sense to purchase a home.”</blockquote><h3>Bottom Line</h3>If you're tired of your rent going up and want to explore the many benefits of homeownership, talk to a local <a href="/2024/04/09/the-top-5-reasons-you-need-a-real-estate-agent-when-buying-a-home/" rel="noopener noreferrer" target="_blank">real estate agent</a> to explore <a href="/2024/04/11/builders-are-building-smaller-homes/" rel="noopener noreferrer" target="_blank">your options</a>.]]></content:encoded>
<category>Rent vs. Buy</category>
<pubDate>Wed, 01 May 2024 10:30:00 +0000</pubDate>
<dc:creator><![CDATA[KCM Crew]]></dc:creator>
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<title>What More Listings Mean When You Sell Your House</title>
<link>https://www.simplifyingthemarket.com/en/2024/04/30/what-more-listings-mean-when-you-sell-your-house</link>
<description><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240425/20240430-What-More-Listings-Mean-When-You-Sell-Your-House.png" alt="What More Listings Mean When You Sell Your House Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />The number of homes for sale is playing a big role in today’s housing market.]]></description>
<content:encoded><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240425/20240430-What-More-Listings-Mean-When-You-Sell-Your-House.png" alt="What More Listings Mean When You Sell Your House Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />The number of homes for sale is playing a big role in today’s <a href="https://www.simplifyingthemarket.com/2024/03/15/the-latest-trends-in-housing-infographic/" rel="noopener noreferrer" target="_blank">housing market</a>. And, if you’re considering whether or not to list your house, today’s limited supply is one of the biggest <a href="https://www.simplifyingthemarket.com/2024/03/14/why-todays-sellers-market-is-good-for-your-bottom-line/" rel="noopener noreferrer" target="_blank">advantages</a> you have right now. That’s because your house stands out more when the inventory is low, especially if it’s <a href="https://www.simplifyingthemarket.com/2024/04/02/why-overpricing-your-house-can-cost-you/" rel="noopener noreferrer" target="_blank">priced right</a>.But the supply of homes for sale is growing. According to the <a href="https://www.realtor.com/research/data/" rel="noopener noreferrer" target="_blank">latest data</a> from Realtor.com, new listings (homeowners who just put their house up for sale) are trending up (see graph below): <a href="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240425/20240430-New-Listings-Above-Last-Years-Level.png" rel="noopener noreferrer" target="_blank"><img src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240425/20240430-New-Listings-Above-Last-Years-Level.png" alt="No Caption Received"></a> This graph shows more homeowners are putting that sale sign up in their yards compared to the same time last year. As Realtor.com <a href="https://www.realtor.com/research/march-2024-data/" rel="noopener noreferrer" target="_blank">says</a>:<blockquote>“. . . sellers turned out in higher numbers this March as newly listed homes were 15.5% above last year’s levels. This marked the fifth month of increasing listing activity after a 17-month streak of decline.”</blockquote><h4>What This Means for You</h4>If you’ve been <a href="https://www.simplifyingthemarket.com/2024/04/16/should-i-wait-for-mortgage-rates-to-come-down-before-i-move/" rel="noopener noreferrer" target="_blank">putting off</a> selling your house, maybe it’s time to start thinking about it again – before your neighbors do. While we’re not going to suddenly have <a href="https://www.simplifyingthemarket.com/2024/02/29/why-we-arent-headed-for-a-housing-crash/" rel="noopener noreferrer" target="_blank">a surplus</a> of homes for sale, each house that pops on the market in your area runs the risk of pulling buyer attention away from yours.For example, if your neighbor gets in on the action and lists their house too, it means you’ll have competition right next door. You don’t want buyers to tour your house and fall in love with someone else’s. You want <a href="https://www.simplifyingthemarket.com/2024/03/06/why-access-is-so-important-when-selling-your-house/" rel="noopener noreferrer" target="_blank">yours</a> to be in the spotlight.A great agent can make that happen. They’ll help you get your house ready to list, draw attention to everything today’s buyers are looking for, and help you price it right. That way buyers are really drawn to your listing and eager to make it their home.If you’re ready and able to sell now, here’s your chance to get the best of both worlds. Since the supply of homes for sale is growing, you’ll have <a href="https://www.simplifyingthemarket.com/2024/03/08/the-spring-market-is-a-sweet-spot-if-youre-looking-to-sell-infographic/" rel="noopener noreferrer" target="_blank">more options</a> for your own move. But you’ll also be able to sell while your house will still stand out.<h3>Bottom Line</h3>Even though inventory is still low, you don’t want to wait for more competition to pop up in your neighborhood. Connect with a local real estate agent to go over the perks of selling before more homes come to the market.]]></content:encoded>
<category>For Sellers</category>
<category>Inventory</category>
<category>Selling Tips</category>
<pubDate>Tue, 30 Apr 2024 10:30:00 +0000</pubDate>
<dc:creator><![CDATA[KCM Crew]]></dc:creator>
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<title>Now’s a Great Time To Sell Your House</title>
<link>https://www.simplifyingthemarket.com/en/2024/04/29/nows-a-great-time-to-sell-your-house</link>
<description><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240425/20240429-Now-s-a-great-time-to-sell-your-house..png" alt="Now’s a Great Time To Sell Your House Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />Thinking about selling your house?]]></description>
<content:encoded><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240425/20240429-Now-s-a-great-time-to-sell-your-house..png" alt="Now’s a Great Time To Sell Your House Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />Thinking about <a href="https://www.simplifyingthemarket.com/2024/04/16/should-i-wait-for-mortgage-rates-to-come-down-before-i-move/" rel="noopener noreferrer" target="_blank">selling your house</a>? If you are, you might be weighing factors like today’s <a href="https://www.simplifyingthemarket.com/2024/03/26/whats-the-latest-with-mortgage-rates/" rel="noopener noreferrer" target="_blank">mortgage rates</a> and your own changing needs to figure out <a href="https://www.simplifyingthemarket.com/2024/03/29/outdoor-projects-can-boost-curb-appeal-when-you-sell-infographic/" rel="noopener noreferrer" target="_blank">your next move</a>.Here’s something else to consider. <a href="https://www.fanniemae.com/research-and-insights/surveys/national-housing-survey" rel="noopener noreferrer" target="_blank">According</a> to the latest Home Purchase Sentiment Index (HPSI) from Fannie Mae, the percent of respondents who say it’s a good time to sell is on the rise (see graph below):<a href="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240425/20240429-Percent-of-Respondents-Who-Say-It-Is-a-Good-Time-To-Sell.png" rel="noopener noreferrer" target="_blank"><img src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240425/20240429-Percent-of-Respondents-Who-Say-It-Is-a-Good-Time-To-Sell.png" alt="No Caption Received"></a> <h4>Why Are Sellers Feeling so Optimistic?</h4>One reason why is because right now is traditionally the best time of year to <a href="https://www.simplifyingthemarket.com/2024/04/01/the-best-week-to-list-your-house-is-almost-here/" rel="noopener noreferrer" target="_blank">sell a house</a>. A recent article from Bankrate says:<blockquote>“Late spring and early summer are generally considered the best times to sell a house. . . . While today’s rates are relatively high, low inventory is still keeping sellers in the driver’s seat in most markets.”</blockquote>These are the seasons when most people move. That means buyer demand grows. And because there still aren’t enough homes for sale to meet that demand, sellers see some serious perks. According to Rocket Mortgage:<blockquote>“Homes that are listed at the end of spring and the beginning of summer typically sell faster at a higher sales price.”</blockquote><h4>What Does This Mean for You?</h4>More sellers are coming to realize conditions are ripe for a move. And that’s one reason why we’re seeing more homeowners put their homes up for sale. If you think you might want to get in on the action, it’s a good idea to start preparing.A local real estate agent can help you get your house ready by offering advice on how best to fix it up and make it appealing to buyers in your area.They also know if you list during the peak buying seasons of spring and early summer, you might sell quickly and for a higher price.<h3>Bottom Line</h3>If you list during the spring and early summer, you might sell your house quickly and for a higher price. When you're <a href="/2024/04/02/why-overpricing-your-house-can-cost-you/" rel="noopener noreferrer" target="_blank">ready</a> to make the most of today's <a href="/2024/02/27/why-todays-housing-supply-is-a-sweet-spot-for-sellers/" rel="noopener noreferrer" target="_blank">seller’s market</a>, get in touch with a local real estate agent.]]></content:encoded>
<category>For Sellers</category>
<category>Mortgage Rates</category>
<pubDate>Mon, 29 Apr 2024 10:30:00 +0000</pubDate>
<dc:creator><![CDATA[KCM Crew]]></dc:creator>
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<title>Equity Can Make Your Move Possible When Affordability Is Tight [INFOGRAPHIC]</title>
<link>https://www.simplifyingthemarket.com/en/2024/04/26/equity-can-make-your-move-possible-when-affordability-is-tight-infographic</link>
<description><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240424/Equity-Can-Make-Your-Move-Possible-When-Affordability-Is-Tight-KCM-Share.png" alt="Equity Can Make Your Move Possible When Affordability Is Tight [INFOGRAPHIC] Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />Did you know the equity you have in your current house can help make your move possible?]]></description>
<content:encoded><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240424/Equity-Can-Make-Your-Move-Possible-When-Affordability-Is-Tight-KCM-Share.png" alt="Equity Can Make Your Move Possible When Affordability Is Tight [INFOGRAPHIC] Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" /><a href="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240424/Equity-Can-Make-Your-Move-Possible-When-Affordability-Is-Tight-MEM.png" rel="noopener noreferrer" target="_blank"><img src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240424/Equity-Can-Make-Your-Move-Possible-When-Affordability-Is-Tight-MEM.png" alt="No Caption Received"></a><h3>Some Highlights</h3><ul><li>Did you know the <a href="https://data.census.gov/cedsci/all?q=mortgage" rel="noopener noreferrer" target="_blank">equity</a> you have in your current house can help make your move possible?</li><li>Once you sell, you can use it for a larger <a href="/2024/02/26/the-truth-about-down-payments/" rel="noopener noreferrer" target="_blank">down payment</a> on your next home, so you’re borrowing less. Or, you may even have enough to be an all-cash buyer. </li><li>The typical homeowner has <a href="https://www.corelogic.com/intelligence/homeowner-equity-insights" rel="noopener noreferrer" target="_blank">$298,000</a> in <a href="https://www.attomdata.com/news/market-trends/home-sales-prices/attoms-q4-2023-home-equity-and-underwater-report/" rel="noopener noreferrer" target="_blank">equity</a>. If you want to find out <a href="/2024/02/08/home-equity-can-be-a-game-changer-when-you-sell/" rel="noopener noreferrer" target="_blank">how much</a> you have, connect with a local real estate agent for a Professional Equity Assessment Report.</li></ul>]]></content:encoded>
<category>Infographics</category>
<category>Move-Up</category>
<category>Affordability</category>
<category>Equity</category>
<pubDate>Fri, 26 Apr 2024 10:30:00 +0000</pubDate>
<dc:creator><![CDATA[KCM Crew]]></dc:creator>
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<title>Is a Multi-Generational Home Right for You?</title>
<link>https://www.simplifyingthemarket.com/en/2024/04/25/is-a-multi-generational-home-right-for-you</link>
<description><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240423/20240425-Is-a-Multi-Generational-Home-Right-for-You.png" alt="Is a Multi-Generational Home Right for You? Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />Ever thought about living in the same house with your grandparents, parents, or other loved ones?]]></description>
<content:encoded><![CDATA[<img width="" src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240423/20240425-Is-a-Multi-Generational-Home-Right-for-You.png" alt="Is a Multi-Generational Home Right for You? Simplifying The Market" loading="lazy" style="display: block; margin-bottom: 5px; clear: both; max-width: 100%;" />Ever thought about living in the same house with your grandparents, parents, or other loved ones? You're not alone. A lot of people are choosing to <a href="https://www.simplifyingthemarket.com/2024/03/20/does-it-make-sense-to-buy-a-home-right-now/" rel="noopener noreferrer" target="_blank">buy</a> multi-generational homes where everyone can live together. Let's check out why they think it’s a good idea to see if it might be a good fit for you, too.<h4>Why People Are Choosing Multi-Generational Living</h4>According to the National Association of Realtors (NAR), <a href="https://cdn.nar.realtor/sites/default/files/documents/2024-home-buyers-and-sellers-generational-trends-04-03-2024.pdf" rel="noopener noreferrer" target="_blank">here</a> are just a few key reasons buyers opted for multi-generational homes over the past year (see graph below): <a href="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240423/20240425-Reasons-for-Purchasing-a-Multi-Generational-Home.png" rel="noopener noreferrer" target="_blank"><img src="https://files.keepingcurrentmatters.com/KeepingCurrentMatters/content/images/20240423/20240425-Reasons-for-Purchasing-a-Multi-Generational-Home.png" alt="No Caption Received"></a> Two of the top reasons had to do with aging parents. 27% of buyers chose multi-generational homes so they could take care of their parents more easily. And 19% did it to spend more time with them. A lot of older adults want to age in place, and living in a home with loved ones can help them do just that. If your parents are hoping to do the same, but need a bit of help, a multi-generational home may be worth considering.But buying a multi-generational home isn’t just about being close or taking care of the people you love—it can save you money, too. 22% of buyers say they picked a multi-generational home to cut down on costs, and 11% needed a bigger house multiple incomes could afford together.Sharing costs like the mortgage and utilities can make owning a home more affordable. This is especially helpful for <a href="https://www.simplifyingthemarket.com/2024/03/22/3-helpful-tips-for-first-time-homebuyers-infographic/" rel="noopener noreferrer" target="_blank">first-time homebuyers</a> who might find it challenging to buy a place on their own in today's market.As Axios <a href="https://www.axios.com/2023/11/05/multigenerational-living-families-data-statistics-map-states" rel="noopener noreferrer" target="_blank">explains</a>:<blockquote>“Financial concerns and caregiving needs are two of the major reasons people live with their parents (and parents’ parents).”</blockquote><h4>How an Agent Is Key in Finding the Right Home for You</h4>Looking for the perfect multi-generational home is a bit trickier than finding a regular house. You've got more people, which means more opinions and needs to think about. It's kind of like putting together a puzzle where all the pieces need to fit perfectly.If you're into the idea of living with loved ones and want all the benefits that come with it, team up with a local <a href="https://www.simplifyingthemarket.com/2024/04/05/top-5-reasons-to-hire-an-agent-when-buying-a-home-infographic/" rel="noopener noreferrer" target="_blank">real estate agent</a> who can help you out.<h3>Bottom Line</h3>Whether you're looking to save money or want to take care of your loved ones, buying a multi-generational home might be a good idea for you. If you want to find out more, talk to a local <a href="/2024/04/09/the-top-5-reasons-you-need-a-real-estate-agent-when-buying-a-home/" rel="noopener noreferrer" target="_blank">real estate agent</a>.]]></content:encoded>
<category>For Buyers</category>
<category>Buying Tips</category>
<pubDate>Thu, 25 Apr 2024 10:30:00 +0000</pubDate>
<dc:creator><![CDATA[KCM Crew]]></dc:creator>
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