Lake House – Page 8 – Find a Broker™

Understanding the Costs of Selling Your Home: What to Expect

Selling your home can be a thrilling, yet daunting process. While the prospect of a successful sale is exciting, it’s essential to keep in mind that there are several costs associated with selling that could take a bite out of your final profit. Here’s a breakdown of the most common home-selling expenses you should expect.

1. Agent Commissions

One of the most significant costs when selling a home is the commission paid to your real estate agent. Typically, this is around 3% of the home’s sale price, though it can vary. Keep in mind, the commission is usually split between the buyer’s agent and your agent. While paying this fee may feel like a lot, a skilled agent can often secure a higher sale price for your home, more than justifying the commission.

2. Closing Costs

Closing costs for sellers typically range from 1-3% of the sale price of your home. These can include:

Title transfer fees: To officially transfer ownership of the property.
Attorney fees: If you hire an attorney to oversee the closing.
Taxes: Various local and state taxes may apply, including capital gains tax in some cases.

It’s important to factor these costs into your budget so you’re not blindsided at the last minute.

3. Home Staging Costs

First impressions matter! Home staging is often a key component of selling a home quickly and for the best price. On average, home staging can cost between $400 and $2,000, though costs can be higher depending on your location and the extent of the staging. Staging may include hiring a professional, painting rooms, and enhancing your home’s curb appeal through landscaping. The goal is to make your home look inviting, well-maintained, and appealing to buyers.

4. Home Inspection Costs

A pre-listing home inspection is a great way to ensure that you’re aware of any issues that may arise before potential buyers find them. While not required, many sellers choose to get an inspection done so they can address any problems upfront. If issues are discovered, you’ll need to budget for repairs, which could range from a small fix to more significant improvements.

5. Seller Concessions

In some cases, offering seller concessions can help seal the deal, especially in a competitive market. This might mean offering to pay part of the buyer’s closing costs or throwing in appliances, like a washer and dryer. This can be a good strategy to attract buyers who may be on the fence, but be sure to weigh the costs against your potential gain.

6. Moving Expenses

Finally, let’s not forget about the cost of moving! Whether you’re hiring a professional moving company or asking your friends for help, moving can be expensive. On average, hiring a moving company costs about $1,700. Be prepared for packing materials, transportation, and possibly even temporary storage. This is often an underestimated cost, so factor it in when budgeting for your move.

Selling a home involves more than just finding a buyer. From agent commissions and closing costs to home staging and moving expenses, the costs can quickly add up. While these expenses might seem overwhelming at first, understanding and budgeting for them in advance can help ensure the process goes smoothly and you’re not left scrambling for extra funds at the last minute. Remember, while you won’t pocket the full sale price after these costs, a successful sale will still move you closer to your next home or financial goal!

If you’re considering a move or investment and require a trusted Real Estate Broker, we’re here to assist you. Contact us via email at TEAM@McDanielCallahan.com, complete the form below, or give us a call at 925-838-4300. We are ready to provide expert guidance and support for all your real estate needs. Terry McDaniel DRE License #00941526

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What Does It Mean to Sell a House As Is?

Selling a house “as is” means you’re putting your property on the market in its current condition. No repairs, no upgrades, no covering repair costs for the buyer. It’s the real estate version of saying, “What you see is what you get.” Homes sold this way are typically priced and marketed to sell quickly, making it an appealing option for sellers who want to avoid the hassle of renovations. Buyers, in turn, often benefit from a lower price and a faster transaction.

Should You Sell Your House As Is?

There’s no universal answer—it depends on your specific situation. To help you decide, here are some common reasons homeowners choose this route:

1. Money Concerns

If your property needs repairs you can’t afford or you don’t believe upgrades will significantly increase its value, selling as is might be the best option. Why pour cash into a project that won’t pay off?

2. Time Constraints

Whether you’re relocating quickly or aiming to take advantage of a hot real estate market, you may not have time for renovations. Selling as is lets you skip the waiting game and move forward on your schedule.

3. Convenience

Renovations can be stressful—even if you’re hiring professionals. Selling as is eliminates the effort, time, and headaches that come with overseeing repairs or dealing with picky buyers.

Pros of Selling As Is:

Saves Time: Skip the contractor delays and extensive negotiations over repairs. With the right pricing, you might even attract cash buyers, streamlining the process further.
Saves Money: Avoid costly renovations that can run up to $150 per square foot—leaving your wallet intact.
Less Stress: Forget repair negotiations and nitpicky buyers. Selling as is simplifies the entire experience.

Cons of Selling As Is:

Fewer Offers: Some buyers (and their lenders) shy away from as-is homes due to repair needs. This often limits your pool to investors or house flippers.
Lower Profit: Buyers know they’ll need to cover repair costs and often negotiate aggressively, which can shrink your profit margin.

Is Selling As Is Right for You?

If you’re in a rush, strapped for cash, or simply want a straightforward transaction, selling as is can be a smart choice. However, if maximizing profit is your priority, investing in some repairs might be worth it. Every situation is unique, so it’s essential to weigh the pros and cons and consult a trusted real estate professional to help guide your decision.

Selling your house doesn’t have to be an uphill battle. Whether you opt for as is or choose to spruce things up, there’s a path to closing the deal that works for you!

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A Path to Homeownership: Discipline, Focus, and the Right Support

The dream of owning a home is achievable, even if it seems distant. For one determined individual, the journey started with paying off debt, staying disciplined, and resetting expectations. These steps are a roadmap for anyone aspiring to buy a home, no matter their current circumstances.

Pay Off Debt

Debt can feel like a mountain, but with a plan, it’s scalable. Begin by organizing your debts—credit cards, student loans, or car payments—and tackle them systematically. The snowball or avalanche method can help you prioritize payments effectively. Reducing your debt improves your credit score and strengthens your financial profile, making homeownership a realistic goal.

Stay Focused and Disciplined

Discipline is the glue that holds the process together. It’s about skipping unnecessary expenses, sticking to a budget, and remembering the long-term reward. Sure, saying no to that pricey gadget or fancy dinner can be tough, but each “no” gets you closer to the “yes” of a home.

Reset Expectations

Sometimes, achieving big dreams requires adjustments. Maybe your first home won’t be your forever home, or it might be smaller than you imagined. Focus on what you need versus what you want. Owning a home, even a modest one, builds equity and opens doors to more opportunities in the future.

Talk to the Right People

You don’t have to go it alone. A trusted real estate agent or mortgage advisor can demystify the home-buying process, answer your questions, and help create a personalized plan. Local homebuyer programs, grants, and down payment assistance options might also be available to give you a boost.

Homeownership is within reach, but it takes intentional steps. By tackling debt, staying disciplined, and seeking expert guidance, you can create a path toward your dream. Remember, every small decision adds up, and with the right plan and people in your corner, you’ll cross the threshold into your new home in no time.

Ready to start your journey? Reach out today for tailored advice and support!

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Advantages to Buying Your Home in the Winter: A Smart Move?

Buying a home in the winter might not sound like the coziest activity—snowy sidewalks and chilly open houses—but it has some seriously compelling perks. Let’s talk about why winter could be your golden season for home buying, sprinkled with a few relatable moments and practical insights.

1. Less Competition Means More Opportunity

Winter is the off-season in real estate. Fewer buyers are braving the cold, meaning the playing field is less crowded. It’s like scoring the last slice of cake at a party—without everyone else elbowing in. With fewer bidding wars, you can take a breath and focus on finding your dream home without feeling the heat of rivals snapping it up.

2. Better Deals Are on the Table

Did you know that homes sold in January are often cheaper than those sold in spring or summer? According to recent data, winter buyers can save tens of thousands of dollars compared to warmer months. That’s enough to cover some nice upgrades—or to splurge on your first big housewarming party. Sellers are often motivated during the holidays or in the New Year, making negotiations a bit more in your favor.

3. Your Agent Has Time for You

With fewer clients to juggle, agents can roll out the red carpet for winter buyers. From arranging showings that fit your schedule to offering personalized advice, this is when agents shine. Bonus? Faster responses and more attention to detail—it’s like having your real estate fairy godparent on speed dial.

4. Lock in a Stable Mortgage Rate

In a world of fluctuating interest rates, locking in a good one now can feel like hitting the jackpot. Rates tend to be more stable in winter, and if they drop further, refinancing is always an option. Why wait for spring when the current rate could save you money long-term?

Is Winter Buying Right for You?

Sure, winter has its hurdles—icy driveways, holiday distractions—but the benefits can outweigh the seasonal struggles. Whether you’re looking to save money, avoid competition, or get more personalized support, buying a home in winter might be the savvy move you didn’t expect.

So, grab your favorite scarf, venture out into the crisp air, and make this season the start of something extraordinary. You just might find that winter is the perfect time to turn your dream of homeownership into reality.

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Selling Your Home in December: 3 Tips for Success

Listing your home during the holidays may feel like an uphill battle, but it also comes with unique opportunities. December buyers tend to be serious, and festive decorations can make your house feel inviting. To help your home shine during this busy season, here are three tips:

1. Keep Decor Simple and Inviting

Holiday decorations can enhance your home’s appeal, but less is more when your house is listed for sale. Stick to a neutral and minimal approach—think twinkling lights, a simple wreath, and tasteful greenery. Avoid oversized inflatables or decorations that crowd your space, making rooms feel smaller. Let buyers imagine their holidays in your home.

2. Prioritize Curb Appeal

Winter weather can dull your exterior, so add a pop of cheer. Sweep walkways, keep driveways clear of snow or leaves, and ensure your porch is well-lit. A simple seasonal doormat or potted winter plants can create a welcoming vibe for potential buyers.

3. Be Flexible with Showings

With everyone juggling holiday events, your schedule for showings needs to be flexible. Work closely with your agent to accommodate buyers’ needs, even if it means showing your home during unconventional hours. Making your home accessible can give you an edge in a competitive market.

Selling your home in December can be an adventure, but it’s also an opportunity to stand out. With tasteful décor, a focus on curb appeal, and a flexible approach, you can attract motivated buyers who are ready to close.

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Living Small, Thriving Big: Why Tiny Homes are a Giant Leap Forward

The tiny home movement has captured the imaginations of many seeking simpler, more sustainable lifestyles. But, is this trend really all it’s cracked up to be? Jacqueline Urick, who lives in a 540-square-foot home in Sturtevant, WI, with her beloved dog, Spice, the answer is a resounding yes.—there’s something undeniably appealing about the idea of trading in a massive mortgage for a cozy, affordable space that’s all your own.

Tiny Homes: Big on Benefits

The average American home has been steadily growing in size, averaging over 2,400 square feet as of recent reports. In contrast, tiny homes usually range between 100 and 600 square feet. But despite their small footprint, these homes often come with a surprising list of benefits:

Financial Freedom
Tiny homes can drastically cut costs. The average cost to buy and build a tiny home is around $30,000 to $60,000—significantly less than a traditional house. This was one of the big draws for Urick, who purchased her 540-square-foot Quonset hut for only $35,000! And without a big mortgage payment, tiny homeowners can focus on other priorities, from travel to education.
Environmental Impact
Living in a tiny home has a naturally smaller environmental impact. Tiny homes use fewer resources in both construction and day-to-day energy. Many people also install solar panels or use energy-efficient appliances, further lowering their carbon footprint. In Urick’s case, heating and cooling a small space means her utility bills are incredibly low. According to a study by the National Association of Home Builders, tiny homes use around 45% less energy than traditional homes.
Clutter-Free Living
In a tiny space, you’re forced to make choices about what you truly need. Urick, for example, had to give up on impulse buys and say goodbye to “just-in-case” items. Tiny homes encourage a minimalist lifestyle, which many find both liberating and calming. Every item in the home serves a purpose, and in a space with minimal clutter, many people report reduced stress levels and an easier time staying organized.

The Challenges of Tiny Living

Of course, tiny living isn’t all roses and savings accounts. There are some trade-offs, and it takes a certain mindset to thrive in a small space.

Space Constraints
Let’s be honest—tiny homes come with the obvious limitation of less space. Jacqueline Urick admits that having more than three guests over can make her space feel cramped. For some, entertaining might be challenging in such small quarters, so it’s something to consider if you’re used to hosting large gatherings.
Higher Cost per Square Foot for Renovations
Interestingly, renovating a tiny home can be more expensive than expected, often costing more per square foot than a larger house. Urick discovered this firsthand. She spent about $110,000 on her renovations, dealing with high foundation repair costs and the difficulty of finding contractors willing to take on a tiny project. Due to the unique challenges (like curved walls in her Quonset hut), not all contractors were willing to work on the space, and those who did charged more.
Storage and Lifestyle Adjustments
Adapting to a tiny home usually means changing lifestyle habits—like cutting back on impulse buys and opting for quality over quantity. Urick’s closet, for instance, was so compact that each new piece of clothing required her to part with an old one. But while it might feel restrictive at first, this intentional living often leads to more thoughtful purchases and an appreciation for what you truly need.

Who’s Joining the Tiny Home Movement?

The tiny home lifestyle appeals to a wide range of people. Millennials and younger generations often view tiny homes as a path to financial freedom and a more sustainable lifestyle. But it’s not just young folks jumping in—retirees are increasingly opting for tiny homes to downsize and simplify, freeing up more funds for travel and new experiences. For anyone prioritizing sustainability, flexibility, and financial independence, tiny homes present an enticing alternative.

Thinking About Going Tiny? Here’s What to Consider

If you’re inspired by the idea of tiny living, start by thinking about your non-negotiables. What aspects of your current lifestyle are you willing to adapt? And what would make a tiny home feel like “home” to you? While tiny homes offer many perks, they’re not for everyone. But for people like Urick, they’ve become the ultimate solution for living simply, saving money, and focusing on what truly matters.

As the housing market continues to evolve, tiny homes are proving they’re more than just a passing trend. They’re a testament to living intentionally, cutting back on waste, and making room—quite literally—for a life focused on experiences over excess. So if you’re feeling the itch to live small, know that a giant leap forward might just mean scaling down.

https://www.realtor.com/news/trends/best-tiny-house-in-america/

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Navigating Second-Home Buying and Vacation Rentals: Essential Tips for Real Estate Professionals

As the demand for second homes and vacation rentals continues to rise, real estate professionals need to be well-versed in the unique challenges and opportunities these markets present. From understanding local regulations to optimizing your marketing strategy, here’s how you can effectively guide clients through the process of buying or renting second homes.

1. Stay Informed on Local Regulations

For those interested in short-term rentals like Airbnb or VRBO, it’s essential to stay on top of local government regulations. Different areas have varying rules about short-term rentals, and knowing these regulations can save your clients from legal troubles. Be proactive in understanding restrictions and helping your clients navigate them to ensure their property complies with local laws.

2. Furnishings Matter

When dealing with vacation rentals, it’s crucial to choose furniture that balances durability with cost-effectiveness. Vacation homes often see a lot of wear and tear, so opting for inexpensive, sturdy furnishings can be more practical than investing in high-end pieces. Focus on high-use items like mattresses, pillows, and sheets, as these significantly impact guest comfort and reviews. Good reviews are vital for maintaining a successful rental property, so ensuring quality in these areas can pay off.

3. Leverage Your Negotiation Skills

Effective negotiation can make a significant difference for your clients, especially when purchasing a second home or vacation property. If a property has drawbacks, such as being far from amenities, use your negotiation skills to secure added benefits, like including appliances in the deal. This approach can help offset potential negatives and make the property more appealing.

4. Adjust Your Marketing Strategy

Attracting second-home buyers requires a tailored marketing approach. Develop a brand that resonates with this specific audience and ensure your online presence reflects your expertise. Utilize tools like realtor.com® to understand who is searching for properties in your market, including international buyers. If your market attracts global clients, familiarize yourself with various communication technologies like Zoom or Skype and ensure your internet connection is secure.

5. Understand Financial and Legal Considerations

Enhance your financial literacy to provide valuable guidance to second-home buyers. Partner with lenders who specialize in financing second homes and understand the associated guidelines. Be cautious about offering tax advice, as secondary properties can involve complex tax issues. It’s crucial to partner with tax professionals who can offer expert advice to your clients. Also, ensure you understand and adhere to SEC guidelines and data protection laws, particularly when working with international buyers.

6. Be Patient and Realistic

Second-home buyers often have specific needs and may not be in a rush to make a purchase. It’s important to be patient and manage their expectations realistically. Help them understand that no property will have everything they want, but with the right approach, they can find a home that meets their needs and desires.

Navigating the second-home and vacation rental markets requires a blend of knowledge, strategic marketing, and effective negotiation. By staying informed about local regulations, choosing the right furnishings, and understanding financial and legal considerations, you can better serve your clients and help them achieve their real estate goals. Your expertise and attention to detail will be invaluable in guiding them through the complexities of buying or renting a second home.

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The Fascination with the World’s Most Expensive Homes

Do you find yourself scrolling through images of luxurious mansions and opulent estates? You’re not alone. Many of us are captivated by the allure of the world’s most expensive homes. But what is it about these properties that draws us in? Let’s explore why so many people enjoy searching and looking up the most expensive homes.

1. The Dream Factor

Aspirational Living: Expensive homes represent a lifestyle that many dream of. They embody luxury, comfort, and success, serving as a source of inspiration and motivation.
Imagination Fuel: Browsing through pictures of grand estates and lavish interiors allows us to imagine ourselves living in such spaces, even if just for a moment.

2. Architectural Marvels

Innovative Designs: The world’s priciest homes often feature cutting-edge architecture and innovative design elements. From sprawling floor plans to unique materials, these homes push the boundaries of what’s possible in residential design.
Artistic Appreciation: Viewing these homes can be like visiting an art gallery. The craftsmanship, attention to detail, and creativity involved in their construction and decor can be truly awe-inspiring.

3. Curiosity and Intrigue

Peek into Another World: Expensive homes offer a glimpse into a lifestyle that is often out of reach for the average person. This curiosity drives us to learn more about how the other half lives.
Celebrity Homes: Many high-priced properties are owned by celebrities and public figures. Knowing that a famous person resides there adds an extra layer of intrigue and fascination.

4. Market Trends and Insights

Real Estate Trends: Keeping an eye on the most expensive homes provides insights into the luxury real estate market. This can be particularly interesting for those who work in or are passionate about real estate.
Investment Opportunities: For some, looking up expensive homes is about more than just curiosity—it’s about potential investment. Understanding what makes these properties valuable can inform smart investment decisions.

5. Personal Enjoyment

Simple Pleasure: Sometimes, it’s just fun to admire beautiful homes. The visual appeal, the creativity of the designs, and the sheer extravagance can provide a delightful escape from the everyday.
Home Improvement Ideas: While most people may not be able to afford such properties, elements of their design can inspire home improvement projects. Borrowing ideas from these luxury homes can add a touch of elegance to any living space.

Whether it’s for inspiration, curiosity, market insights, or simple enjoyment, there’s something undeniably fascinating about the world’s most expensive homes. They allow us to dream, appreciate architectural artistry, and catch a glimpse of a luxurious lifestyle. So next time you find yourself browsing through listings of opulent estates, remember that you’re part of a wide community that shares this intriguing hobby. Happy searching!

https://www.zillow.com/homedetails/Oklahoma-City-OK-73150/133368865_zpid/?utm_source=zillowgonewild&utm_medium=zillowgonewild&utm_campaign=zillowgonewild

Checklist for First-Time Home Buyers: Know What You’re Looking For

Embarking on the journey to buy your first home is an exciting milestone. However, without proper preparation, it can also be overwhelming. Before you start looking at homes with your agent, it’s crucial to know what you’re actually looking for. This comprehensive checklist for first-time home buyers will guide you through the initial steps, ensuring a smoother and more focused home-buying experience.

1. Define Your Budget

Assess Your Finances:

Review your savings, income, and current expenses to determine how much you can afford for a down payment and monthly mortgage payments.

Get Pre-Approved for a Mortgage:

Contact lenders to get pre-approved for a mortgage. This not only gives you a clear picture of your budget but also shows sellers that you’re a serious buyer.

Factor in Additional Costs:

Remember to include other expenses such as property taxes, insurance, maintenance, and potential homeowners association (HOA) fees.

2. Identify Your Must-Haves

Location Preferences:

Consider proximity to work, schools, public transportation, and amenities like parks, shopping centers, and hospitals.

Home Type:

Decide whether you prefer a single-family home, townhouse, condo, or multi-family home based on your lifestyle and needs.

Size and Layout:

Determine the number of bedrooms and bathrooms you need. Think about the layout and features that are important to you, such as a large kitchen, open floor plan, or backyard.

3. Research Neighborhoods

Safety and Community:

Research crime rates and neighborhood safety. Look for community features that are important to you, such as parks, recreational facilities, and community events.

School Districts:

If you have children or plan to in the future, investigate the quality of the local school districts.

Future Development:

Check for any planned developments in the area that might affect property values or your quality of life.

4. Make a Wish List

Prioritize Features:

Create a wish list of features you’d love in your new home, such as a garage, fireplace, pool, or energy-efficient appliances.

Rank Your Preferences:

Rank these features by importance. Understand that while it’s great to have everything on your list, being flexible can help you find a home that meets your most critical needs within your budget.

5. Understand the Market

Current Market Conditions:

Research the current real estate market in your desired area. Are homes selling quickly? Are prices rising or stable?

Work with Your Agent:

Discuss market trends with your real estate agent. Their expertise can provide insights and help you set realistic expectations.

6. Prepare for House Hunting

Schedule Viewings:

Once you have a clear idea of what you’re looking for, start scheduling viewings with your agent. Be prepared to move quickly if you find a home that meets your criteria.

Take Notes:

During viewings, take detailed notes and photos. This will help you remember the details of each property and compare them later.

Ask Questions:

Don’t hesitate to ask your agent or the seller any questions you have about the property, neighborhood, or the home-buying process.

7. Evaluate and Make Decisions

Review Your Options:

After viewing several homes, review your notes and compare the properties based on your must-haves, budget, and overall impression.

Be Ready to Negotiate:

When you find the right home, be prepared to make an offer. Your agent will help you negotiate terms and navigate the offer process.

Think Long-Term:

Consider your long-term plans and how the home fits into them. Is it a place you can see yourself living in for the next 5-10 years?

Buying your first home is a significant life event that requires careful planning and preparation. By following this checklist, you can clarify your priorities, streamline your search, and ultimately find a home that meets your needs and budget. With the right approach and a clear understanding of what you’re looking for, your home-buying journey can be both enjoyable and successful.

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Understanding Energy Costs Across the United States

Energy costs can vary drastically depending on where you live in the United States. Factors such as climate, energy sources, and regulatory frameworks all play significant roles in determining how much households spend on electricity, heating, and transportation fuels. A recent survey by WalletHub sheds light on these disparities, highlighting which states pay the most and least for their energy needs.

High Energy Cost States

Wyoming leads the nation with the highest average monthly energy expenses at $1,591. This is largely attributed to its long, harsh winters and reliance on heating oil and gas, which are costly to procure and use in remote areas. North Dakota follows closely with $840 per month, influenced similarly by severe winters and heating demands. Iowa, Montana, and Minnesota round out the top five states with high energy costs, all facing significant heating and electricity consumption challenges due to their climates.

Low Energy Cost States

Conversely, states like New Mexico enjoy remarkably low energy expenditures, averaging just $376 annually. Factors contributing to these lower costs include milder winters and strategic investments in energy efficiency and renewable energy sources like wind and solar power. Arizona, Kansas, Texas, and Nebraska also feature prominently on the list of states with the lowest energy bills, leveraging favorable conditions and proactive energy policies to keep costs down.

Factors Influencing Energy Costs

Several factors contribute to the disparities in energy costs across states:

Climate: States with colder winters or hotter summers tend to have higher energy bills due to increased heating or cooling needs.
Energy Sources: The availability and cost of energy sources such as electricity, natural gas, and heating oil directly impact household expenses.
Regulatory Environment: States with deregulated energy markets often see lower costs due to increased competition among providers, whereas regulated markets may have set prices by state authorities.
Energy Efficiency: Investments in energy-efficient technologies, appliances, and renewable energy sources can significantly reduce household energy expenditures over time.

Tips for Managing Energy Costs

To mitigate high energy expenses, consider the following tips:

Energy-efficient upgrades: Invest in appliances, light bulbs, and insulation that reduce energy consumption.
Behavioral adjustments: Practice energy-saving habits like turning off lights and adjusting thermostats when not at home.
Explore incentives: Take advantage of rebates and incentives for energy-efficient home improvements offered by utility companies or government programs.
Compare providers: In deregulated markets, research different energy providers to find the best rates and service options for your needs.

Understanding your state’s energy landscape and implementing smart energy practices can help you manage household expenses effectively. Whether you live in a high-cost or low-cost energy state, making informed decisions about energy use and efficiency can lead to significant savings and environmental benefits over time. By staying informed and proactive, you can navigate the complexities of energy costs and make choices that align with your budget and sustainability goals.

https://www.realtor.com/news/trends/the-states-with-the-highest-and-lowest-energy-bills-might-shock-you-into-moving/

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