Divorce is tough, but have you thought about how it affects your mortgage? Beyond emotional strain, it can complicate your finances, especially if you own a home. Whether you're selling, refinancing, or keeping the house, understanding how divorce impacts your mortgage options is crucial. Here's how to navigate the process and protect your financial future. […]
If you've ever felt the frustration of sending your hard-earned money to your landlord each month with nothing to show for it, you're not alone. Renting may offer flexibility, but it also keeps you on a hamster wheel of endless payments without building any wealth for your future. It's time to step off that wheel, […]
Financial freedom isn't reserved for the wealthy or the ultra-disciplined. It's about finding a balance between managing what you have and preparing for what's ahead. While it might seem like a distant dream, getting there doesn't have to be hard. It all starts with some simple changes in how you think about and use your […]
Owning a home is a primary life goal for many Americans, but for some, it can feel like a distant dream due to the costs involved. However, with the right strategies, homeownership can be possible and affordable without draining your finances. Here's a practical guide to help you navigate the journey to owning a home […]
If you're a homeowner, paying off your mortgage as efficiently as possible is likely a top priority. But did you know that changing how frequently you make your mortgage payments can save you thousands of dollars in interest? The comparison between bi-weekly and monthly payments has been a hot topic, and for good reason. Would […]
Retirement might seem like a distant dream, especially when you're busy juggling your current financial commitments, but starting early can make a world of difference. Planning for retirement is one of the most crucial financial decisions you'll ever make. It's not just about setting aside money; it's about creating a secure future. If you're thinking […]
When it comes to finding a place to live, one of the biggest financial decisions you'll ever face is whether to buy or rent a home. Both options come with their own set of advantages and challenges, and the right choice depends on your personal circumstances, financial goals, and long-term plans. So, how do you […]
In today’s world, it’s easy to get swept up in the convenience and entertainment of streaming platforms like Netflix. Binge-watching the latest hit shows has become a nightly ritual for many of us, but what if your Netflix habit is quietly chipping away at your ability to buy the home of your dreams? You might […]
Why Skipping Your Morning Coffee Could Help You Buy a House Sooner! If you're one of the millions of Americans who can't start their day without a cup of coffee, you might be spending more than you realize. That daily caffeine fix could be costing you your dream home. While it might sound dramatic, cutting […]
Taking control of your finances may seem overwhelming, but with a 30-day plan, you can transform your financial habits and set the foundation for long-term success. Whether you're trying to pay off debt, build savings, or make better money decisions, these actionable steps can help you master your finances in just one month. Let's dive […]
Conventional wisdom often advises caution during times of economic uncertainty, urging people to stick with traditional investments like stocks or bonds. But what if I told you that now is actually a great time to invest in real estate, especially with a mortgage? Yes, despite what you may have heard, diving into the real estate […]
Buying your first home is a thrilling milestone, but it can turn out to be a financial challenge. You've probably heard the advice—save for a down payment, get pre-approved for a mortgage and find an excellent real estate agent—but did you know there are some lesser-known tips that can help you save big? Here are […]
For many Americans, the question of whether to rent or buy a home is one of the most important financial decisions they will ever face. Homeownership has long been considered part of the American dream, but in today's economy, renting can sometimes seem like the more affordable option. So, which is cheaper: renting or buying? […]
Life is full of significant events—buying a home, getting married or welcoming another family member. Whether you're stepping into homeownership, tying the knot, or welcoming a new family member, preparing your finances ahead of time can make these transitions smoother and less stressful. Here are five crucial money moves to consider before you face your […]
When applying for a mortgage, the adage "the devil is in the details" couldn't be more relevant. The documentation you provide forms the backbone of your mortgage application, influencing the approval process and the terms and rates you receive. Understanding what lenders look for in your documentation can significantly streamline your application process and improve […]
Owning a home is a quintessential part of the American dream, but for many, the idea of buying a dream home seems only attainable with a high salary. However, with the right strategies and understanding of the housing market, achieving homeownership with a modest income is more feasible than you might think. Here's a practical […]
When buying a home, one of the most important aspects is the fees associated with your mortgage. These costs can sometimes feel like a mystery, but they're crucial to home-buying. The good news? With some knowledge, you can confidently navigate these fees, ensuring there are no surprises at closing. Let's break down the key mortgage […]
A big milestone in life is becoming a homeowner and we're here to help you every step of the journey. Transitioning to homeownership involves more than finding the right property—securing your financial future and creating your true space. We understand the journey can seem overwhelming, but you can make the leap smoothly and confidently with […]
When it comes to managing your money, there's no shortage of advice. But beyond budgeting, saving and investing, some lesser-known financial tips can make a big difference in your financial health. These tips aren't always part of mainstream discussions but can provide an advantage in building wealth and financial security. Here are five of the […]
Mortgage renewal time is more than just a routine task; it's an opportunity to reassess your financial goals . Whether this is your first renewal or you've been through it before, preparing for this transition can save you money, time and stress. Here's how to make the most of your mortgage renewal: 1. Start early […]
Applying for a mortgage is a big step, often marking the beginning of your journey to homeownership. However, building a solid financial foundation is crucial before diving into home-buying. This preparation increases your chances of mortgage approval and sets you up for a sustained financial stability. Here's how to ensure you're financially ready before applying […]
Divorce is a complex and emotionally draining process and amidst the emotional turmoil, it's easy to overlook the financial implications, especially when it comes to your mortgage. If you're going through a divorce or considering one, understanding how it affects your mortgage is crucial. Whether you're the one staying in the home or moving out, […]
Retirement should be a time of relaxation and enjoyment, often marking a new chapter in life that might include buying a new home. However, securing a mortgage in retirement can pose unique challenges as regular employment income winds down. Senior homebuyers can successfully navigate these waters with the proper planning and strategies. Here are some […]
Entering the housing market as a self-employed individual can seem daunting. Securing a mortgage might appear challenging without traditional proof of income through regular paychecks—but it's entirely possible with the right preparation and knowledge. Here's your guide to navigating the mortgage process as a self-employed homebuyer, packed with tips and tricks to help you land […]
Applying for a mortgage can feel overwhelming, but it can be a manageable process with the proper preparation and approach. By following these five tips, you can increase your chances of mortgage approval and move closer to securing your dream home. 1. Improve your credit score One of the most important things lenders look at […]
For many American homeowners, the equity built in their homes represents a significant financial asset. Cash-out refinancing can be a powerful tool, empowering you to leverage this equity to achieve your financial goals. Whether you’re planning to invest in your business, fund a major home renovation, or consolidate high-interest debt, cash-out refinancing offers a versatile […]
Embarking on the journey to homeownership is both exciting and daunting. One of the most crucial steps in this process is mortgage pre-qualification. It provides the framework for a successful and seamless home-buying process. Understanding the role of pre-qualification can ease your journey and position you as a strong contender in a competitive market. Here's […]
It can be difficult to navigate the world of mortgages, particularly when words like "escrow" are involved. Escrow accounts are crucial to mortgage management, ensuring homeowners can handle property taxes and insurance payments without stress. In this blog, we'll explore the best practices for managing your escrow to ensure smooth financial sailing and why consulting […]
When managing a mortgage, "interest" often causes more anxiety than the principal. However, with a strategic adjustment to your payment schedule, you can take control and significantly decrease the lifetime cost of your mortgage. Adopting bi-weekly payment plans is a financially savvy move for homeowners, accelerating your mortgage payoff and saving substantial interest. 1. Understanding […]
For many homeowners, paying off their mortgage early is attractive. It means less time in debt, lower overall interest payments, and faster equity building. However, some mortgages come with a catch prepayment penalty. You may prevent unforeseen expenses and make the greatest financial decisions for your future by being aware of these penalties and knowing […]
Buying a home is one of the most significant financial and emotional decisions you will ever make. The excitement of finding your dream home is often accompanied by stress and anxiety. The home-buying process can be overwhelming, from navigating the complex mortgage landscape to dealing with inspections and negotiations. However, with the right strategies, you […]
Building equity in your home is one of the most powerful financial strategies available to homeowners. Equity represents the difference between the market value of your home and the outstanding balance of your mortgage. The more equity you have, the greater your financial security and flexibility. Here are some effective strategies to build equity quickly, […]
It can be challenging to navigate the complicated world of home financing, especially if the house you're interested in is more than the typical loan limit. This is where jumbo loans come into play—these high-value mortgages are key to unlocking the door to your dream home. To help you confidently obtain these substantial mortgages, we […]
For many Americans, a mortgage is their most significant and longest-term financial commitment. Beyond selecting the right mortgage, integrating complementary financial products can enhance stability, protect your investment, and potentially save you money over the life of your loan. Here are key considerations and products to consider when you're trying to bolster your mortgage decision. […]
When planning for retirement, one of the key questions many homeowners face is whether to pay off their mortgage early. This extensive choice could affect their retirement lifestyle and financial stability. Here are some considerations and strategies to help them decide the best course of action for their situation. The Benefits of Paying Off Your […]
When couples decide to buy a home together, merging their finances becomes an essential step—not just for purchasing the house but also for setting the foundation for their future financial relationship. Managing money as a duo can be complex, requiring clear communication, strategic planning, and mutual understanding. Here are critical strategies for couples looking to […]
One of the most important financial decisions you will ever make is applying for a mortgage, and one of the main things that lenders look at is your credit score. A high credit score raises the chances of approval and significantly impacts the terms and interest rates. Here are reasons why building your credit score […]
For many American homeowners, paying off their mortgage early is a financial objective. It can provide you financial freedom far sooner than anticipated and drastically lower the total interest you pay on the loan. Here are strategies to help you pay off your mortgage early, potentially saving thousands of dollars and enhancing your financial stability. […]
Feng Shui, the traditional Chinese practice of designing living areas to promote harmony and balance, has a bigger impact on the real estate industry than ever. As homeowners and buyers increasingly seek spaces that offer more than just shelter, Feng Shui has moved from a niche cultural concept to a significant trend in the housing […]
A home inspection is a vital step in buying a house and obtaining a mortgage. While it may seem like just another task on the checklist, the role of a home inspection can significantly impact the mortgage approval process. Here are reasons why home inspections are crucial when securing a mortgage, demonstrating their importance for […]
The mortgage industry is transforming in an era defined by technological advancement and evolving consumer preferences. Today's homebuyers seek innovative solutions that streamline the process, enhance convenience, and cater to their unique needs. Fortunately, mortgage lenders are rising to the occasion, leveraging cutting-edge technologies and creative strategies to offer a new generation of mortgage solutions. […]
Buying your first home is an exciting milestone, but navigating the mortgage process can feel overwhelming, especially for first-time homebuyers. From understanding mortgage terms to finding the best loan option, there's much to consider. To help you confidently embark on your homeownership journey, we've compiled the top 5 mortgage tips every first-time homebuyer should know. […]
Understanding interest rates is crucial when navigating the world of mortgages. Whether you're a first-time homebuyer or looking to refinance, securing the best mortgage deal hinges on your knowledge of interest rates and how they impact your borrowing costs. In this blog, we'll delve into the fundamentals of interest rates, demystify their role in the […]
The American dream is centered on homeownership, representing security, stability, and financial independence. But becoming a homeowner might seem overwhelming, particularly for first-time purchasers. Nonetheless, buying a house may be a life-changing experience that puts you on the road to a better financial future if you follow the appropriate plans and advice. In this article, […]
Are you ready to enter your dream home but overwhelmed by the mortgage approval process? You're not alone. Although getting a mortgage can seem like a scary task, you can move into your dream home faster than you ever imagined if you have the appropriate information and are prepared. In this blog, we'll explore insider […]
Do you want to avoid pouring your hard-earned money into rent every month without building any equity? It's time to break free from the rent trap and take control of your financial future. Owning a home isn't just about having a place to live—it's a powerful wealth-building tool that can provide stability, security, and financial […]
In today's economic climate, interest rates are at historic lows, presenting a golden opportunity for individuals looking to secure financing for a home, car, or other major purchases. Whether you're a first-time homebuyer, a seasoned homeowner looking to refinance, or someone considering a big-ticket purchase, now is the time to take advantage of these favorable […]
For many Americans, taking the first step toward homeownership is a significant milestone. One of the crucial first moves to make this dream a reality is obtaining a mortgage pre-approval. Here's why securing a mortgage pre-approval should be at the top of your home-buying checklist: 1. Financial Assessment Clarity Mortgage pre-approval requires a thorough financial […]
Being self-employed has its perks, like flexibility and higher earning potential, but it can also present unique challenges when securing a mortgage. Traditional lenders often view self-employed individuals as higher-risk borrowers due to fluctuating incomes and less predictable job stability. However, self-employed individuals can successfully navigate the mortgage process with the right strategies. Here are […]
In today’s real estate market, the age-old debate of renting versus buying often leans toward homeownership for many compelling reasons. While renting might offer flexibility, purchasing a home with a mortgage provides long-term benefits that renting simply cannot match. Here are reasons why paying rent is becoming outdated and why securing a mortgage to build […]
Homeownership is a cornerstone of the American dream, and with the right strategies, it can also be a powerful tool for financial growth. A mortgage isn't just a debt; it's an opportunity to leverage your investment for more significant savings and greater financial flexibility. Here are ways to make your mortgage work for you: 1. […]
It can be challenging to navigate the mortgage process, particularly for first-time homebuyers. Making educated judgments and ensuring a seamless home-buying experience requires an understanding of the dos and don'ts when it comes to obtaining a mortgage. Here are five vital pointers to help you navigate this thrilling adventure. DO'S : 1. Do: Check Your […]
For many Americans, owning a home is a quintessential part of the American Dream. But before you pick out your dream home, it’s crucial to understand the different types of mortgages available and which one might best fit your situation. Let’s break down the various mortgage options to help you navigate your way toward homeownership. […]
Purchasing a home is a significant milestone in many people’s lives, symbolizing stability, accomplishment, and the start of new beginnings. However, before you embark on the homeownership journey, one of the biggest hurdles to overcome is saving for the down payment. For most prospective homeowners, this can seem daunting, especially with the pressures of daily […]
Buying a home for the first time can feel like navigating a maze blindfolded. Between understanding mortgage options, interest rates, and down payments, it’s easy to feel overwhelmed. However, with a structured approach and the correct information, you can navigate your mortgage options like a pro. This guide will walk you through the essentials of […]
Navigating the realm of mortgages often feels like maneuvering through a labyrinth of numbers, terms, and conditions that confine rather than liberate your financial future. However, what if the key to unlocking your personal finance goals was hiding in plain sight within your mortgage? It's time to flip the script and explore five surprising ways […]
Selecting the appropriate mortgage is an extensive choice that will affect your stability and financial well-being for years. Choosing between a fixed-rate mortgage and a variable-rate mortgage is one of the most important mortgage decisions homeowners must make. Knowing the benefits of each option will enable you to make an informed choice that caters to […]
Navigating the path to homeownership can often feel like an uphill battle, especially when securing a mortgage. However, you can instantly enhance your approval chances with the right approach and preparation. Whether you're a first-time homebuyer or looking to invest in another property, understanding the intricacies of the mortgage process is crucial. Here are five […]
Securing a mortgage is critical for many in homeownership in the United States. It's a process filled with comparisons, negotiations, and, most importantly, financial scrutiny. Amidst the myriad factors lenders consider, one stands out for its universal importance and impact: your credit score. This three-digit number affects your ability to secure a mortgage and the […]
Negotiating your mortgage terms can feel like navigating through a maze of financial jargon and complex decisions. Yet, with the right approach, you can secure a deal that benefits your financial health for years. Understanding the dos and don’ts of mortgage negotiation is crucial in ensuring you walk away with the best possible terms. This […]
In the intricate world of home buying, understanding the pivotal role of credit scores in securing competitive mortgage rates is essential for any prospective homeowner. This guide demystifies the connection between your creditworthiness and the mortgage rates you're offered, so much so that you might reach out to a professional for personalized advice by the […]
In today's competitive housing market, securing a mortgage can feel like an uphill battle. However, with the right approach and preparation, you can make your mortgage application stand out to lenders. This guide will take you through important tips and strategies to enhance your application, making lenders take notice. By the end, you'll be equipped […]
Buying your first home is a monumental step, filled with excitement and, admittedly, a bit of trepidation. It's a journey that marks the beginning of a new chapter and, for many, the realization of the American Dream. As we step into 2024, the home buying landscape continues to evolve, making it imperative for first-time homebuyers […]
Buying a home for the first time can be exhilarating yet daunting. It's an adventure filled with excitement, anticipation, and, unfortunately, the potential for missteps. Many first-time buyers eager to make their dream of homeownership a reality can fall into common traps that can turn this dream into a financial nightmare. Understanding these errors and […]
Are you tired of the burden of hefty mortgage payments? Do you dream of reducing your monthly expenses and having more financial freedom? If so, you're not alone. Many Americans are seeking ways to ease the strain of mortgage payments and gain more control over their finances. Fortunately, government programs are designed to help homeowners […]
The journey of buying a home often resembles a roller coaster ride, complete with its ups and downs, twists and turns. Recently, this ride has been made all the more thrilling (or daunting, depending on your perspective) by the fluctuations in mortgage rates. For many American homebuyers, especially those navigating this path for the first […]
In the realm of real estate, the hunt for the perfect home often leads us to explore less populated areas, offering serene landscapes, tighter-knit communities, and more breathing room. While the allure of such locales is undeniable, buying a property in these areas comes with unique challenges. From limited inventory to unfamiliar regulations, navigating the […]
Embarking on the journey of homeownership often feels like navigating a labyrinth. With the right guide, however, the path can turn into a golden road, leading directly to the door of your dream home. Mortgage lenders play the role of these indispensable guides, making the dream of owning a home accessible and surprisingly manageable for […]
Are you ready to take the plunge into homeownership? Congratulations! Buying your first home is an exciting but daunting milestone, especially when securing a mortgage. The good news is that with the right strategies and insider tips, you can navigate the system more effectively and increase your chances of getting approved quickly. This blog will […]
In personal finance, few decisions are as weighty and long-lasting as obtaining a mortgage. Getting the best interest rate could save you tens of thousands of dollars throughout your loan, whether you're a first-time home buyer or an experienced property owner looking to refinance. While various economic factors influence mortgage rates, there's still room for […]
In real estate, mortgages have long been considered a necessary but often cumbersome aspect of property ownership. Traditionally, the mortgage process has been plagued by paperwork, lengthy approval times, and a need for more transparency. However, the mortgage industry is undergoing a revolutionary transformation with technological advancements. Innovative tech tools are streamlining the mortgage process, […]
Purchasing a home is a milestone achievement for many Americans, but the path to homeownership can be fraught with challenges, especially when securing a mortgage. While obtaining a mortgage might seem straightforward, many applicants face rejection for various reasons. In this blog, we'll explore common pitfalls that lead to mortgage application denials and provide valuable […]
The dream of owning a home is a powerful motivator, but the journey to homeownership often comes with a familiar roadblock: the down payment. However, fear not! In 2024, let's explore strategies and actionable steps to turn your debt-free dream home into a reality, making that call to your mortgage lender feel more empowering than […]
Owning a home is a significant achievement, but the prospect of foreclosure can turn that dream into a nightmare. Many unknowns exist, and unforeseen financial difficulties may jeopardize your homeownership. However, there are proactive steps you can take to protect your home and alleviate foreclosure fears. This blog will explore various financial safeguards to help […]
The journey to homeownership is an exciting adventure, but it comes with its fair share of challenges, especially for first-time buyers facing the often stringent approval process for mortgages. Fear not, aspiring homeowners! We've compiled five hacks to help you navigate the intricacies of mortgage approvals and turn your dream of owning a home into […]
Acquiring a home is thrilling, but getting a mortgage can be difficult, particularly for first-time buyers. Before you pen to paper, it's crucial to understand the language of mortgages. The fine print can be overwhelming, but decoding these seven essential mortgage terms will empower you to make informed decisions, ensuring a smooth and confident home-buying […]
In the ever-changing landscape of the American real estate market, the dream of homeownership can sometimes feel like a distant goal, especially with the constant rise in property prices. However, fear not! With strategic planning and financial finesse, you can navigate the challenging terrain of homeownership on a budget and emerge victorious in sealing the […]
Buying a home is an exhilarating journey, but navigating the world of mortgages can be akin to walking through a financial minefield. Hidden fees, fluctuating interest rates, and unfamiliar jargon can make deciphering your mortgage terms like solving a complex puzzle. Amid this mortgage mayhem, it's crucial to be vigilant and ensure you're not unknowingly […]
Securing a mortgage is a significant milestone on the path to homeownership. Whether you're a first-time homebuyer or looking to refinance, convincing lenders to say YES can sometimes feel like navigating a complex puzzle. Fear not, as we unveil the top-secret tips that could be the key to unlocking the doors of approval and getting […]
In the ever-evolving real estate market landscape, the dream of homeownership remains a powerful aspiration for many Americans. As we enter 2024, the key to unlocking this dream lies in understanding the magic behind securing the lowest mortgage rates. So, let's embark on a journey to discover the secrets that will empower you to score […]
Purchasing your first home is a significant milestone, and it often comes with a mix of excitement and a bit of apprehension, especially when navigating the world of mortgages. Understanding mortgages is crucial for making informed decisions that align with your financial goals. In this comprehensive guide, we'll demystify mortgages, empowering first-time homebuyers to embark […]
The digital revolution has transformed how we work, enabling many to break free from traditional office constraints and embrace a location-independent lifestyle. The rise of digital nomadism has been particularly evident in recent years, with individuals choosing to work remotely while exploring the world. However, as the trend gains momentum, an interesting question emerges: Can […]
For military families, the call to serve the nation often involves a nomadic lifestyle, moving from one duty station to another. Amidst the transient nature of military life, the dream of owning a home remains a constant. Fortunately, for those who have served or are currently serving in the United States military, the Department of […]
Buying a home is a significant milestone that often marks the pinnacle of financial independence. For independent home buyers navigating the complex landscape of mortgages, a well-informed approach is the key to unlocking the door to homeownership. This blog will explore seven invaluable mortgage tips tailored for the independent American homebuyer. 1. Know Your Credit […]
In the evolving landscape of employment, gig workers play a pivotal role in shaping the future of work. As a gig worker, your home is not just a place of refuge; it's also your workplace. Ensuring its security is not only essential for personal safety but also vital for the protection of your work-related assets. […]
The gig economy has transformed the traditional employment landscape, with more Americans embracing the freedom and flexibility of freelancing. While the advantages of self-employment are numerous, securing a mortgage can be daunting for freelancers. However, with the right approach and financial planning, turning self-employment into homeownership is possible and rewarding. In this blog, we will […]
In life, transitions are inevitable, and one significant change that many Americans consider is downsizing their home. Whether it's an empty nest, retirement, or simply a desire for a more manageable space, downsizing comes with various benefits, including financial freedom and a simplified lifestyle. However, navigating the downsizing process, especially when it involves mortgage considerations, […]
Owning a home is a significant milestone, and for the tech-savvy generation, the journey toward homeownership is marked by a digital landscape filled with opportunities. Securing a mortgage has evolved in this era of smartphones, artificial intelligence, and instant connectivity. Let's explore some smart mortgage moves tailored for the tech-savvy American generation. Leverage online mortgage […]
As of 2018, 30.2 million small businesses were operating in the United States, and 50% were home-based businesses. A home-based business offers many benefits, including low costs, tax benefits, flexibility, and freedom from commuting. Like any business, a home-based operation requires insurance. Various insurance options are available, so home business owners can choose what best […]
The insurance industry has a long and rich history; over the years, it has seen its fair share of large and expensive claims. From natural disasters to artificial events, these claims have challenged insurance companies and provided valuable lessons for the industry. Here are some of the most expensive insurance claims in history. Hurricane Katrina […]
Business insurance is a vital component of running a successful company. It protects your business from financial loss in unexpected circumstances such as accidents, natural disasters, and lawsuits. While insurance is essential, ensuring you have the right insurance coverage for your business is equally important. Unfortunately, many business owners need to make sure to purchase […]
Choosing the right deductible for your home insurance policy can be challenging. A deductible refers to the amount you pay before your insurance coverage kicks in. Therefore, your monthly premium will be lower if your deductible is higher, and vice versa. In this blog, we'll discuss how to choose the right deductible for your home […]
Auto insurance is a required expense for all drivers, but the cost of insurance can vary significantly between insurance companies. To assure people they're receiving the best deal on auto insurance, it is advised that they get multiple quotes from different insurance companies. This blog will discuss the benefits of getting multiple auto insurance quotes. […]
As of 2018, 30.2 million small businesses were operating in the United States, and 50% were home-based businesses. A home-based business offers many benefits, including low costs, tax benefits, flexibility, and freedom from commuting. Like any business, a home-based operation requires insurance. Various insurance options are available, so home business owners can choose what best […]
Americans are carrying more debt now before, and signs of that burden are showing up in the form of debt fatigue. If your debt payments are burdening you, the only solution is to change the way you handle your debt and start climbing your way out, one step at a time. You'll be able to […]
