Single mom saving for a house

several refinancing and loan modification programs to help families avoid foreclosure. The following 8 tips will effectively increase the female living alone safety. If you want to live your dream of staying at home, then you need to follow these simple money saving tips from a frugal stay-at-home mom! Check out the Becoming a Work-At-Home Mom series. The key is to keep your eyes open, as these sorts of programs are all around the country and can add up to big savings for you. It is also possible that they may place you in the waiting list, as there is a huge demand for some programs. Single moms can have it tough trying to become a homeowner — between raising their children on their own and paying all the bills, buying a house seems almost unachievable. Time management is very important if you are a single parent. Keep costs down to a minimum by following these tips: Reuse cardboard boxes from your office or grocery store instead of buying new ones. This post compiles my top 10 ways to save money if you find yourself on a tight budget. If you have children, your primary focus is taking care of them and your time is limited. Single, stay-at-home-mom, Sarah Titus, lives richly in what the world calls poverty. Top Money Saving Tips for Single Moms 1) Pay your bills on time. Holiday Money Saving Tips for Single Moms Team Single Moms Planet December 1, 2018 Top of our list this year is do-it-yourself presents that are quick and easy for single moms and their children.


YouPorn is the largest Amateur porn video site with the hottest selection of free, high quality blowjob movies. Getting Approved for a Mortgage on One Income Medicaid is medical insurance that is made available to low-income families. Buying a house as a single parent is not only doable, it’s becoming increasingly prevalent. According to data from Pew Research, the national median income for single mothers is just $23,000. For a single mom (or a single dad) moving can be a cause of financial worry. Now I owe $62,000. If you are a working mom who has returned to school, congratulations. Low-income moms often benefit from Section 8 This voucher works for renting a house/apartment, and not for buying a house. Single mothers are responsible for maintaining the household, paying all of the bills, feed and clothing the kids, and trying to save whats left. Creating a list of money saving tips is essential for all single moms, and the list will vary considerably from one person to another. Choose a Safe Apartment. Loans for single mothers are available for a number of categories.


S. Doing a side job makes a great sense for single moms because it not just helps them bring in extra income but it also allow them to save money. If you were not married on the last day of the tax year and you do not qualify to use any other filing status, then you must file your tax return as Single. Habitat for Humanity is a program based on Christian faith; however, it is available to single moms of any religion. One of the first places to check for housing assistance for single mothers is HUD. With the large number of loan programs available there is assistance at every step of the way. Why do you want to refinance? What are your goals for doing so? How much do you want to save per month? By explaining your goals to your lender, it will help the whole process. Join up with other single moms “The one piece of advice is to do what I resisted doing forever — make friends with other single moms,” says Pauline, a mom of two from Wisconsin. #1. Raising children as a single parent can be expensive, especially since the entire family needs to survive on one salary. Single is the basic filing status for unmarried people who do not qualify to file as Head of Household. There are no set rules How to Save Money as a Single Parent.


FHA help For single people looking to buy a home — whether they have children or not — the first thing they may want to look for if they have a low to moderate income is a home buying program that doesn’t require a large down payment. After the house is built, the single mother and her children move into the home and pay an affordable mortgage on a monthly basis. Budgeting and saving are unique processes “Single parents―I don’t want to discount single dads―have unique needs. Single Mom Home Loan Solution: FHA Loan. But the expensive down payments, high minimum credit requirements, and upper-middle-class income limits on conventional mortgages price them out of what most Florida single mothers can afford. Whether you are looking for assisted living, memory care, skilled nursing or are not sure yet what kind of care you need, our local experts across the U. I know you all love my day in the life vlogs Single mom Looking for a house or apartment for rent at least 2 bedroom plus rent. These six money-saving tips can help you find small and large ways to save as a single mom: 1. Home Loans For Single Mothers. Now is a great time to find them, even if you need to consider government assistance for single mothers buying a home. Saving money as a single mom is possible regardless of your situation. Some programs are geared to mothers living in rural areas.


That’s the first thing you need to understand,” she said. Thanks for the great savings tips Mala! Check out this other article from Mala on Frugal Living Tips for Families! As a single mother, you are responsible for all decisions regarding your children and their further life. Even the best money saving moms can learn a lot from this one – like paying cash for your first house! 4. Help for paying utilities, rent assistance, health care and medical bills, food, and other financial aid are the type of resources made available. And even while this sometimes struggling Real life money strategies and saving tips for single moms who want to build a financial prosperity. Getting approved for a mortgage as a single Mother is difficult. If you’re like most working moms, your life is most likely choreographed down to the minute. So it is always better to submit your application at the earliest. Thanks for watching!! SUBSCRIBE FOR MORE VIDEOS!! Leave all questions, comments and video request below!! Hey Loves! In todays video I decided to vlog. The Best Morning Routine for a Single Working Mom. I live with my parents, and have since I had my daughter. In my quest to earn more and spend less I’ve come up with 5 ways for single moms to save money.


This is because saving money, as a single mother, can be one of the most difficult things to do. com. But, there are loans available and lots of assistance programs to make the dream of homeownership in reach for single mothers. Child care is such a huge portion of the single mom’s budget. Single moms looking for home loan financing may want to consider applying for a Federal Housing Administration (FHA) loan. Watch MOM Blonde dating single MOM just wants to feel a large dick inside online on YouPorn. Using Simple definitely helped me save for my house, but I Before we create a plan for paying down your debt, it's important to consider some special circumstances that may apply to you as a single parent. How a Single Mom Bought a House. For single people, the easiest way to save money is to find someone to share living expenses with. Being a single mom isn’t easy. A single parent may encounter financial difficulties that require unusual effort, courage and discipline. Housing for single mothers.


Here’s this mom’s exact budget — and how she and her three young kids are thriving on $44,000 per year. Check out the Becoming a Work-At-Home Mom series. The government pays a hefty portion. You can also share household chores, leaving both of you more time to work and earn money. Georgia Power Company 888-660-5890 Read the energy saving tips to be warm amd safe. For example, have $200 transferred automatically from your checking account into your savings account each month, so that you can save money as a single parent without even thinking about it. Checking the ads can help you to save time and money. Stop Paying For Day Care. What should she do? The programs are generally geared towards low, to very low-income families. Use coupons. Single mothers need to write a letter and provide as much details as they can to the foundation. Within the next year I would like to move out.


Nearly every morning was a struggle in my house. Home Loans For Single Mothers In Florida. The answer to raising children alone is organization and time management. For single mothers, finding a home that offers programs that assist in financing and obtaining down payment financing is pivotal. One way that many families, especially those with a single parent find themselves in financial stress is by not paying their bills on time. “There is absolutely no guilt in asking another single mom for help watching your kids now and then because she knows the struggle. A Conversation With a Single Mom Living on $40,000 a Year He spent what he had and was no good at saving, which has left my mom in a less than great place since "We need to understand that it takes a community to raise children and that so many of our single mothers deserve a much more supportive community than we give them. If you’re looking to move your family out of an apartment and into a more permanent dwelling, do your research first, and talk to a mortgage professional – you can find a Movement Mortgage loan officer in your area here . The average income of single moms is less than one-third of the combined earnings of married couples with kids, Forbes contributor Aparna Mathur wrote. Discover the growing collection of high quality Most Relevant XXX movies and clips. Luckily, there are options for single parents when it comes to getting a home loan. When you apply for and get approval for a home grant for single parents, you're given a stipend to help cover the cost of your home.


The savings may be slow but it adds up over time. This guide applies specifically to ALL people: senior citizens, families, single mothers, single fathers, etc. RE I am a single mom should I rent an apartment or buy a house? I am a single mother. Can provide first and last months rent but will not have any references as I have never rented before and am currently just out of a relationship and we are selling our current home. How One Single Mom Went from 0 to 6 Rentals in One Year. Of course, the best Florida housing assistance for single mothers you can receive is a good home loan. Trying to raise a child on one income can be stressful. None. Frugal Living Tips: Single Mothers. So buying the home is as much about security as it is about financial investing. When you are a single mother trying to raise kids, saving money can be particularly tough. This article was written by a Frugal Fanatic reader: Mala.


In some instances, single mothers give up on their dream of owning a home because of financial constraints caused by only having one income. While I understand saving up for a deposit is very difficult being a single parent you may help your family to help you out. com . Support the Young Mothers Residential Program. To qualify for Medicaid, the single mother must meet specific financial criteria. Sometimes it’s hard to determine how much money you should be saving. Penniless Parenting. Updated: Jul 20th, 2018 I was able to find a couple hundred dollars after my expenses were paid to save every single month. Meet Cindy: a single mom, making $30,000 per year, who hopes to one day get beyond living paycheck to paycheck. Single moms can receive assistance and aid from a wide variety of assistance programs spread across the whole state of California. There are many banks and outside savings plans you can set up to take out specific amounts daily, weekly or monthly. Although national programs catering to single moms are not available at this time, alternatives are available to assist financially and provide guidance on the home-buying process.


Looking for subsidized housing assistance? Here are 4 HUD programs available to single mothers and their children, including the qualification rules. Use an automatic savings account draft. Willing to pay upto $1400 a month. Savings Plans For Single Moms. But they are not just for women. Free grants for single mothers to pay bills are hard to come by. Single parents we sometimes find it hard to keep our head above water. Use the meal planner to help you figure out your weekly meals, shopping list to ensure you don’t forget to use your coupons. For more information about Qualifying for a mortgage in NC, or for more information on Single Parent Qualifying For A House In NC, Call Steve and Eleanor Thorne, 919 649 5058 – we have the best rates, and we will take the time to help you come up with a game plan so that you can buy your next house! One way to improve your savings is to increase your income and that is when you can opt for a work-from-home job to supplement your income. (Even if you're not single or not a mom, you can still adapt these tips to your family situation—that's what is so great about budgeting!) Check weekly ads before going shopping. A Conversation With a Single Mom Living on $40,000 a Year He spent what he had and was no good at saving, which has left my mom in a less than great place since A foundation set up by Warren and Doris Buffet sets out to help needy families, as well. One of the most underestimated and little-known ways to save time is to identify your ‘time wasters’.


Some moms and dads may find themselves in the role of single parenthood for a season in their life and wonder how to navigate through being the sole caretaker of one or more children. . How I Bought My First Home As a Single Person plus the plans you have for other aspects of your life. Smart Money Saving Tips for Single Moms. The financial aid by this foundation is open to anyone who needs it. Budgeting and planning for unexpected expenses to include medical, pet, extra school costs and much more are discussed. The Department of Housing and Urban Development is there to help counsel you on all things regarding the buying or renting of a home. While many money-saving tips can be applied to just about any family setting, here are some extra money-saving tips for single moms. There are many programs that help single mothers with the financial stresses of solo parenthood. Practical Tips for Moms Balancing Kids, Studies, and Work. If a single mother cannot earn the money to pay for her house, she can apply for housing assistance for single moms; it's understandable, as a single mom needs to act as both parents while safely raising her children and bringing in an income. Legal Aid for single moms.


Luckily, here are 12 helpful tips for single mom to save time. I Was a Working Single Mom Twice — Here’s What I Learned because of the endless hospital bills that wiped out our every last dollar of savings. Several grants are We talked to Manila-based entrepreneur, musical buff, and single mom Nica about how she worked around budgeting and saving. One of the biggest questions I get and have often wondered myself, is “What is the best way to grocery shop as a single mom?” The reason this is so challenging is eating healthy can be expensive and there may not seem to be enough time in the day to go grocery shopping. Having this tool available as a single mom improves my quality of life and reduces the stress surrounding being the sole provider. The monthly mortgage cost is based on the amount the homeowner is comfortably able to pay. I have decent credit and by the time I move out I will have about 15k saved - projected, not to mention an income of about 21k a year. When I became a single parent, I didn’t know anything about saving money as a single mom. Single Moms and Money: How to Make Ends Meet by Katelynne Shepard Only 37 percent of Americans said they would be able to afford a $500 to $1,000 unexpected expense in a 2016 study conducted by Bankrate. Use as Many of these Time Saving Savings Plans For Single Moms. Grants for single mothers may be the only way for you to raise money for college, to pay off outstanding debts, or to raise money to start a new business. While little blocks of “bonus time” are helpful for everyone, working mothers know how to really make them count—even a 15-minute window can feel like an hour’s worth of potential.


As a single mother buying a home can see like an unreachable goal, but it doesn’t have to be. The loan is insured by the FHA, which means the participating lender can offer the borrower a better deal than for a conventional loan. This is the key to saving money. This source of financial help for single moms is of great benefit as it can help single mothers save thousands of dollars on medical bills. There are many families out there who need quality child care at odd hours. Single moms tend to feel like they must protect their children from financial worries, but kids are surprisingly resilient. Many of the single mothers are studying and it has become extremely difficult for them to provide for their children and also to finance their own college or university fees. by Lee Nelson, freelance writer and single mom. Not only do you have to take on the burden of making all of the tough decisions, you may be making this purchase with your income alone. If you want to live your dream of staying at home, then you need to follow these simple money saving tips from a frugal stay-at-home mom! Top 8 Safety Tips for Single Women Living Alone in an Apartment. Habitat for Humanity is a non-profit organization that offers grants to single mothers. We believe that single moms are this generation’s “widows and orphans.


" - Sheryl Sandberg COO, Facebook Watch Horny Single Mom porn videos for free, here on Pornhub. I had $30,000 in savings—money saved from big freelance jobs and gifts from my parents over the years—and was prepared to use all of it, if I had to. You can get a house, as per the program, if the officials find you eligible for the single mother grants for homes. Housing assistance programs offer a range of benefits, including affordable public housing, rent subsidies, loans and help with monthly rent payments. So even if you work full time during the week, you can still earn extra income on the side by caring for other children on the weekends or even during occasional weeknight or even overnight hours. If your children understand that you are trying to save money, they will be less likely to ask for expensive toys or request that you spend Friday night at the movie theater instead of relaxing with a DVD at home. Housing Assistance For Single Mothers By HUD. Single mothers assistance in Georgia. Some apps make it easy to either a) save money on everything you buy, or b) earn cash-back on your purchases. Etc but anything will work We talked to Manila-based entrepreneur, musical buff, and single mom Nica about how she worked around budgeting and saving. Click to see current rates. Getting Approved for a Mortgage on One Income Look for programs that offer mortgage assistance for single mothers.


And even while this sometimes struggling Since 1992, Sheridan House has partnered with local churches to serve single moms in need. YouPorn is the largest Amateur porn video site with the hottest selection of free, high quality real movies. The money saving tips working for a single Mom would be different than for a student, and a working professional and entirely unique saving methods would apply for a couple. Advice for single parents saving for college. They offer housing grants, childcare grants, healthcare and much more. This family of four downsized from a 950 sq ft home to 525 sq ft to save $100 a month. Assistance for Single Moms in California. Saving for a house - My husband and I are trying to save for our first house. But consider this: when you save extra money, you may be able to cut back on your hours at work a little bit to spend more quality time with your kids – or to take a small breather for yourself. my son and I had decided to get the house. I used my entire life's savings of $25,000 as my down payment. Is Paris safe for a single young Boost Your Single Mom Income: Become a Child Care Provider.


I asked LaToya Irby, Credit/Debt Management Expert, to share her expertise on handling joint debt: Wolf: Let's say a single mom still shares a credit card with her ex. Vision-House requires single mothers’ income to be thirty percent below the overall income of the community in which they want to live. WOW. The first step is getting real with yourself, and you can read the other 13 steps to paying off debt as a single mom. Make a budget, and stick to it Learning how to save money as a single mom is a choice, you can use the information to help your financial situation, or keep those same old spending habits that stress you out! There is no reason that we should have to struggle as single parents. The Vision-House; This non-profit organization provides in-between accommodations to single mothers and their dependents who don’t have anywhere else to live. When there is a risk for foreclosure on your house, know that there are single mother assistance programs that can help. Housing and Mortgages for Single Parent Families. For a successful single mom, the first step is to convince yourself that your new life will be one that is full, joyous and financially rich. Raising kids in a two-parent household is tough enough, imagine how difficult it is with just one income. Sometimes a fight. Needed ASAP please just sold our house and we need to find a house rental now.


Truthfully, the figure was lower than what I had imagined. You likely can’t drop everything for a date, or sleepover mid-week, so this means you really need to keep the communication flowing to compensate for the lack of face time. Texting is an easy way to communicate a quick hello or an “I’m running late,” but face it, dating as a single mom is different than dating as a single woman. Look for programs that offer mortgage assistance for single mothers. The home planning forms were created to help you keep your life more organized. Is Paris safe for a single young So buying the home is as much about security as it is about financial investing. I did not think I A single mother can buy a home, even with low income as long as she meets the loan requirements. A national non-profit organization known as CoAbode can help single mothers find affordable housing. No matter how understanding your kids might be, you still face a constant onslaught of bills, needs and emergencies. Your mom may pay more in her area, but paying half of a higher rent could be helpful. I've recently left my former career of being a Preschool Teacher Tips for saving a deposit on a single income. As a single mom buying a home can be challenging in a number of ways that it may not otherwise.


The U. It might seem daunting, even to the point of being impossible, but there are housing resources for single mothers with even just one income. Through this program, Project Row Houses provides a solid safety net for young single mothers striving to build a better life for themselves and for their children. This is one of the easiest ways to have money taken out of your account without it really hurting your overall budget. Again, I am not a financial adviser, I am just sharing the tips that worked for me. 1. I’ll fill you in on an open secret… Moms can really make good money from the blogging and affiliate marketing side hustle. Money saving tips for single moms that anyone can follow. While they aren't exclusive to single parents, they're available if you qualify. ” Whether the need is spiritual, emotional or financial, we strive to help meet the individual single mom in her specific area of need. They run programs that can provide single moms with the opportunity to save on their rent and housing expenses by sharing a home or apartment. I was wondering if I can pay for an extension onto their house for myself to live- would I be able to get a home loan through their equity to do The programs are generally geared towards low, to very low-income families.


Living below the poverty level or on less than $20,000 per year can 5. Be willing to stick with saving money for the long game and rewards will follow. Here's a list of home buyers programs for single mothers you should check out. Using Simple definitely helped me save for my house, but I Assistance for Single Moms in California. The financial burden a single mother bears is a heavy one. Use money-saving apps. Savings Tips for Singles. If you need to set up a smaller amount, that's okay. Some of them can also be used as home safety tips for men living alone, and for the elderly living alone. 2 Lady Gaga Can't Let Go of Ally from 'ASIB' My mom was a single mom. I would cry on the way to work as I saw my youngest get on the bus with tears. The government knows that this is an exhausting position Grants for single mothers may be the only way for you to raise money for college, to pay off outstanding debts, or to raise money to start a new business.


These programs are designed to help you and your kids stay in your current home. We will in the future have a specific look at mortgage help for single mothers, but for now this guide will answer those questions. But I don’t have to tell you that. The most common government loan for a single mother is of education. The Best Budgeting Strategies for Single Parents Budgeting tips for single moms and dads with a full house of kids – and bills. she aged out of our in-house child care Single mothers can receive housing assistance through programs offered by federal and local agencies and nonprofit organizations. Single Filing Status. Determine your goals. I pay rent etc. How to Budget and Save on a Small Income as a Single Parent. The dream of owning a home in which a single mom may raise a family can be realized by her following some simple guidelines. Watch Single mom suck three dicks for house renovated online on YouPorn.


This is a site my friend Vicki sent me to (thanks Vicki!). However, there are no specific grants targeted to help single mothers buy homes. So if you haven’t been saving all your change or picking up pennies, then get started. When you are a single mother trying to juggle full-time parenting with a full-time job and trying Single male buyers earned $69,600, compared to $55,300 for single female buyers. Single-parent families don’t have the benefit of dual incomes; therefore, the total household income is often lower for a single parent than it is for most dual-income families. Debbie Dragon. Housing Help For Single Moms Part 3: Home Buyers Programs - Single Moms Income If you're wanting to buy a house there are programs in place to help you if you're a single parent. But building an off-grid vacation home just does not seem as noble as building it for your primary residence. Being a single mom does not mean you’re destined for the welfare line, free school lunches for your kids, or living in your parents’ basement. 7 Ways Single Moms Can Save for the Future. While $85,000 may seem like enough for single parents to fund their retirement and education savings goals, it’s not an accurate picture of how much the majority of one-parent households earn. I really really want to buy a house but I am a single mum to one child and at the moment feel like I will never be able to afford to buy a house on my own.


Honestly, if she could live in a lower cost area her social security and limited pension could go much further. Only a single mom with great time management skills will be able to manage everything in life without going crazy. I know what you’re thinking; you read the title of this post and you said to yourself, “how the hell am I supposed to save for the future, when there’s not even enough for the present??” Money saving tips. my aunt didn’t want to move into the house my mom bought, so my grandparents charged me with finding While little blocks of “bonus time” are helpful for everyone, working mothers know how to really make them count—even a 15-minute window can feel like an hour’s worth of potential. Being a single parent, I have learned to get creative about increasing my income, saving money and making the money I have stretch. Stop telling yourself stories about — you can pay off debt. Single mom wonders if she made right decision to buy a home. This Hack Will Save You. >> Get Pre-Approved for a Mortgage. Single mom with two kids looking to rent a two bedroom apartment in Vaughan so the kids can remain in their current schools. Your stress level and lifestyle will thank you for making that decision! If the rent prices in the school district and neighborhood you want to live in are too high for your new single-income budget, consider sharing a home with another single mom. If you have kids that are not in school, you pay $500-$700 every month for someone to watch one child.


We owe it to them and to their children to do better. This can be for food, clothes, vehicle maintenance or anything in between. The USDA offers various grants to single mothers as well. Wanting advice really. Hint: If you want to save on your colored ink cartridges, just change your settings to print these out in black and white instead. Alternative ways of getting into property ladder for single mums and dads. Working from home by creating amazing blog content and promoting affiliate programs while weaning the newborn baby is a great way to put a mom in a financial position to plan for the future if they’re a single mother or married. By sharing a home, you can save on everything from rent, to phone bills, to groceries. Real life money strategies and saving tips for single moms who want to build a financial prosperity. Identify Time Wasters. Single Stay-at-Home Mom Shares How She Lives Richly on One Income Being a single mom isn't easy, but living on one income can be. Everyone can go off-grid temporarily; it’s called camping.


It is a 2-year program. Explore what these different resources can do to help you stay home. With a $700 increase in her tax refund each year under our tax bill, Cindy can start How to Get Home Grants for Single Parents. How to Budget as a Single Mom of 3 Making $44K/Year Here’s this mom’s exact budget -- and how she and her three young kids are thriving on $44,000 per year. We’re able to pay first last’s and a month ahead . There are many grants available for single mothers because the government knows what single moms have to go through. No other sex tube is more popular and features more Horny Single Mom scenes than Pornhub! A foundation set up by Warren and Doris Buffet sets out to help needy families, as well. Save Money. That's what I was told the process would cost by another single mom by choice—assuming I got pregnant easily. Many articles are written about how to save money on party ideas, family fun and tips for around the house including recycling, green living and feeding the family on a budget. This is just one of the many ways in which we uplift our community through long-term investment and commitment to individuals and groups. If you failed to secure a mortgage you still have some options.


Please let me know!! Looking and hoping for metcalfe,embrun,Russell. and I'm like, "Oh no, when I wake up in the morning, the whole downstairs of the house is (Even if you're not single or not a mom, you can still adapt these tips to your family situation—that's what is so great about budgeting!) Check weekly ads before going shopping. Making it as a single mom So the couple separated, sold their sprawling four-bedroom house, and each bought a smaller home: Rebecca purchased a three-bedroom bungalow for herself and the kids As a single mom myself, striving to live off grid in a 19ft trailer as we save for land, I thought this would be an inspiring story. You can use this money to help provide for your family. Here are some tips to refinancing your mortgage as a single mom. If you are a single parent, you need to be mindful of your budget, and you also The Single Parent’s Guide to Buying a Home: Assistance, Grants, and Home Ownership Buying a home as a single parent can be challenging. I hat renting as feel like I am paying someone else's mortgage and I am not building any security for the future (I My mom lived in a "senior living" apartment by herself and the rent was only $500 a month for a decent two-bedroom in an inexpensive small city. If you're a single parent, then you probably need all of the financial help that you can get. Top 8 Safety Tips for Single Women Living Alone in an Apartment. Help For Single Moms Who Want To Buy A House May 28, 2013 By Eleanor Thorne Leave a Comment There are no national programs catering to single moms available at this time, however there are multiple programs that could help a Single Mom in North Carolina with down payment assistance and monthly tax credits. and Canada can help. Sticking to a budget and cutting back on unnecessary expenses is key, especially with a single source of income.


Single fathers earn more, with a median income of Detach from the emotional connection with the house and make a home in a more affordable place. so you would need a house-related emergency savings account in case you need to replace a hot water heater or A Place for Mom provides referrals to senior living communities at no cost to you. Single mothers can receive housing assistance through programs offered by federal and local agencies and nonprofit organizations. single mom saving for a house

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