Archive for the ‘East Falls’ Category

Philadelphia real estate market: First quarter trends

Thursday, February 16th, 2012

Philadelphia Real EstateEven though the real estate market has been tumultuous for many recently, Philadelphia somehow seems to be doing much better compared to most other parts of the country. The local market has some activity, as in housing is being purchased and seeing increases. Additionally, construction of new single-family homes continues to go up, especially in the suburbs.

One point of prosperity in the Philly real estate market lies in the increase in existing home sales into December. December 2011 took in about five more percent of existing sales than December 2010 did. Sales from the end of last year thus far have been positive. This is something the housing market needs momentously. Thus far in 2012, there hasn’t been a significant increase in homes purchased but there is certainly a growing interest in property expected to take place. 

On the seller’s side, there is hope that rising apartment rental rates could drive some potential buyers back into the fold in 2012. The average rental rate for all Philadelphia apartments has gone up nearly eight percent in the last year alone. This equals an increase of nearly $80 in the past year alone. The thought is that those individuals or couples on the fence about renting and buying could take a more serious look at buying, especially with today’s mortgage rates.

Reports have shown that mortgage rates have been hitting record lows throughout the country, as well as here in Philadelphia, which is certainly inviting for potential buyers. Right now, a 30-year fixed-rate mortgage is coming with 4.007 APR. With mortgage rates being this low and rentals continuing to increase in price, there is hope that some buyers will begin to see the benefits of buying in early 2012.

Right now, Philadelphia’s top selling areas have remained the northwestern and western areas of Center City. However, other parts of Philadelphia have retained their value attracting buyers and keeping the market going.

Right now, the big issue the city faces is sale prices, specifically for sellers. It is important to note that even though sales prices have dropped in this area, they have not plummeted as much as other cities across the country.

 

Rittenhouse Square

Rittenhouse Square, in western Center City, continues to show strength

In the coming months, there is reason to be optimistic that these prices can get a small pickup. Median prices were down about six percent in December from the previous year, but this could have been expected. The months of November and December are generally regarded as slow months for real estate anyway, but the numbers shouldn’t have too heavy an impact on the rest of the first quarter of 2012.

A glance at the early trends in 2012 Philadelphia real estate is truly a mixed bag right now. Coming off the month of December is usually not pretty for any market; however, the Philly market has looked rather stable in the early part of the year. Regardless, it should remain to be seen if factors such as mortgage rates, rising rental rates and an increase in existing home sales can positively influence the market for both buyers and sellers throughout the first half of 2012. 

–By Emma Crawford, special to PhillyLiving.com

Highlights from the Philly Living Market Action Report, 4th Quarter 2011

Monday, January 23rd, 2012

On the whole, it’s still a good time to buy if you are in the market for real estate in Philadelphia. But some market conditions are beginning to trend more favorably for sellers as well.

That’s our reading of the data in the latest Philly Living Market Action Report.  Our quarterly guide to real estate market trends in Center City and surrounding Philadelphia neighborhoods offers grounds for cautious optimism in the months to come. While sales volume is down for the quarter relative to the previous year, it is up significantly from the previous month and quarter, running counter to the usual end-of-year downturn. The average selling price for homes in Center City and environs rose significantly from last quarter and one year ago, while the median selling price fell slightly in both cases. This suggests that buyers on the whole are still looking for value, even though a few opted for properties at the upper end of the scale.

In terms of prices, the highest prices continue to be commanded in the city’s two most desirable neighborhoods: Rittenhouse Square (19103) and Chestnut Hill (19118). Worth noting, however, is a continued, sustained upward trend in median selling prices in Southwest Center City and Point Breeze (19146), reflecting especially increased activity in the latter neighborhood.

Inventory continues to decline, offering the prospect of better prices for sellers in the months to come, but days on market rose slightly, suggesting buyers are still waiting sellers out. Sale price-to-list price ratio also dropped slightly from last year and last quarter but held steady from the previous month.

For full details on activity in Philadelphia’s neighborhood housing markets, request a copy of the latest Market Action Report at phillyliving.com/reports.

Philadelphia street scene by Adam Jones, Ph.D., used under a Creative Commons license

It’s Official: Philly Housing Market Is Improving

Tuesday, January 10th, 2012

Residential street in Center City PhiladelphiaThere are now 76 markets where the real estate picture is expected to look better in the months to come, according to the latest National Association of Home Builders/First American Improving Markets Index, released Jan. 9. The Philadelphia real estate market is one of those 76.

The addition of 40 metro areas to the monthly list of improving markets suggests that the fitful housing market recovery is spreading beyond the smaller markets that were not as heavily affected by the bursting of the housing bubble in 2008. Last month, there were 41 cities on the list. (Five of those – Anchorage, Alaska; Fort Wayne, Ind.; Canton, Ohio; Scranton, Pa., and Charleston, W. Va. – dropped off the list.)

“While relatively small metropolitan areas continue to dominate the list of improving housing markets, it’s important to note that several major metros in diverse parts of the country have now joined the field as well – including such metros as Dallas, Denver, Honolulu, Indianapolis, Nashville and Philadelphia,”NAHB Chief Economist David Crowe said in a news release. “This is an encouraging sign that gradually strengthening economic conditions are starting to take hold across a broader swath of America.”

The NAHB and title insurer First American base the index on trends in three categories: employment growth from the Bureau of Labor Statistics, house price appreciation from Freddie Mac, and growth in single-family housing construction permits from the U.S. Census Bureau. A metro area that has had six consecutive months of growth from a prior trough in all three areas gets added to the index.

What does this mean for you, the Philadelphia home owner or buyer? If you are in the latter camp, we suggest you accelerate your house-hunting timetable if you can. While home price growth is forecast to be modest for the year ahead, prices are expected to rise, and that means that you are more likely to get the home you want at a great price now than later. If you are a home owner, talk with your Realtor about the ideal time to put your home on the market if you are still weighing your options. Our team of real estate experts can assist you in determining when and how to best take advantage of a rising market.

School Report Card: Introduction

Tuesday, December 20th, 2011

ClassroomContrary to the conventional wisdom on the subject, cities are great places to raise children. In addition to the lessons they learn in class, they get exposure to a host of real-world sights, sounds and experiences that will stay with them for life. Good city schools capitalize on this potential by bringing the community into the classroom through partnerships and special programs.

If you are considering buying a home in Philadelphia, you have many options for educating your child. Greater Center City contains within its borders outstanding public, charter, parochial and private schools, each with their own unique strengths. Our School Report Card series is designed to help you make informed choices about the best places for you to live in Center City if your children are part of the picture.

Each Report Card contains data on demographics, attendance, enrollment, student-teacher ratios and academic performance as measured by the Pennsylvania System of School Assessment (PSSA) tests where available. School profiles contain information on areas of academic emphasis, special programs offered, community and parent involvement and extracurricular activities. Use the links below to read about each school:

Elementary Schools

Public Schools: Chester A. Arthur, Bache-Martin, Albert M. Greenfield, Andrew Jackson, Gen. Philip Kearny, Gen. George A. McCall, William M. Meredith, George W. Nebinger, Spring Garden, Edwin M. Stanton, Laura Wheeler Waring

Charter Schools: Christopher Columbus, Folk Arts-Cultural Treasures, Independence, Laboratory Charter School of Communications and Languages, Math, Civics & Sciences, People for People, Russell Byers, Universal Institute

Parochial Schools: Holy Redeemer, Sacred Heart of Jesus, St. Francis Xavier, St. Gabriel, St. Mary Interparochial, St. Peter the Apostle

Private Schools: Friends Select School, The Philadelphia School, St. Peter’s School

Secondary Schools

Public Schools: Academy at Palumbo*, Bodine High School for International Affairs*, Business & Technology*, Constitution*, Creative and Performing Arts*, Benjamin Franklin, Franklin Learning Center*, Horace Howard Furness, Julia Reynolds Masterman*, Parkway Center City*, Science Leadership Academy*, South Philadelphia
(*=citywide magnet school)

Charter Schools: Architecture and Design, Friere, Math, Civics & Sciences, Philadelphia Electrical and Technology, World Communications

Parochial Schools: John W. Hallahan (girls), Roman Catholic (boys)

Private Schools: City Center Academy, Friends Select, St. Joseph’s Prep

–Sandy Smith

Turn your roof into a garden paradise and save

Friday, November 18th, 2011

So you’ve found that new home in Philadelphia you’ve always dreamed of, the one with the huge roof deck with spectacular skyline views, and you want to turn that deck into something really special. Or maybe you already own a piece of Philadelphia real estate with a roof that’s about due for repair or replacement. Here’s an idea that will add value and beauty to your home, cut your energy bills, and help our urban environment all at the same time: Turn that roof of yours green.

Intensive green roof

Intensive green roof with flowers on a Kater Street townhouse

Green roofs – roofs planted with low-maintenance grasses or plants that absorb and retain water – are a small but important way to help reduce the burden placed on Philadelphia’s sewer system when it rains. By absorbing and holding storm water, green roofs reduce runoff into the city’s sewers, which in turn reduces flooding and sewage pollution in the rivers that provide the city and region with drinking water.

Passive green roof

A passive green roof like this one requires very little maintenance

Green roofs are also a component of the Philadelphia Water Department’s comprehensive stormwater management program for the next 25 years, “Green City, Clean Waters.” This plan has won national praise for its innovative approach to the water management issues raised by urban development because it relies on nature more than engineering to reduce storm water flows.

Green roof deck

Turn your roof deck into your back yard by going green - it adds beauty and lowers your energy bills

But what’s in it for you? Fruits and vegetables, if you so choose. Or a rooftop oasis where you can relax. Lower energy bills thanks to the added insulation of the soil. And lower maintenance costs in the long run.

Installing a green roof requires you to do some homework first. You will need to find out how much weight your roof can support and how its drainage system functions, for starters. The cost of the installation will vary depending on what type of green roof you choose; the accompanying pictures give examples of the most common types.

For more information about green roofs and to find an installer, visit Green Roofs for Healthy Cities.

The Philadelphia Water Department also has information about green roofs and other stormwater management tools homeowners can use to reduce storm runoff, as well as the role these tools play in the city’s 25-year stormwater management plan. Visit the Green City, Clean Waters website for full details.

–Sandy Smith

Real Estate Liability: What to Do if You’re Injured in Someone’s Home

Wednesday, July 27th, 2011

 

Philadelphia Real EstateWhen you’re looking to buy a new home in Philadelphia, it’s an exciting time. First you find a good Philadelphia Real Estate agent, and together you make some appointments. When you start heading out to explore on the weekends, the excitement grows. Finally, if you’re lucky, you’ll set foot inside the home that seems built just for you. But sometimes, the unexpected happens. Maybe you find your dream home in a town you weren’t considering. Or perhaps, out of the blue, you decide to go for an old Victorian home rather than a contemporary one. To a certain degree, you take unexpected turns into consideration when you’re searching for a new home.

Something you may have never considered, however, is suffering an injury during a home viewing. When this happens, it’s often not the victim’s fault. Homes, just like any business or property, can suffer from poor flooring conditions or uneven surfaces and can result in severe injury for either you or a loved one. If you’ve been injured at a home viewing, you may feel as if it was your own clumsy fault. The homeowners may even try and convince you this is the case. Don’t fall for that scheme.

1. The homeowners who are in charge of the viewing have a legal responsibility to provide a safe and clean environment, enabling guests to walk through the home without the threat of personal injury. This responsibility means that all floors, walkways, steps and entryways must be free of dangerous obstructions and other types of surprises (such as loose cobblestones or icy stairs). If a slip and fall accident occurs at a home because of dangerous conditions, the homeowners are legally responsible for any injuries that result from their negligence.

2. As the victim of a slip and fall accident, you have the right to bring a claim against the negligent property owner and seek compensation for your damages, including medical bills, lost wages and pain and suffering.

3. Proving liability in a case like this is not always easy. Real estate premise liability accidentsConsole & Hollawell can be very complex, which is why it is absolutely necessary to seek legal representation from an experienced and aggressive personal injury attorney when you’ve been injured at a home viewing. At Console & Hollawell, we understand your needs and your concerns. We have 15 years of experience in premise liability accidents, and we are proud that we’ve been able to help so many of our clients recover the compensation to which they are rightfully entitled.

A personal injury sustained on a homeowner’s property is a serious matter. Because they can be complicated, a premise liability case requires the help of a lawyer who is experienced, knowledgeable and dedicated to helping you receive the compensation you deserve.  Then you’ll be ready to continue your quest with Philly Living for that perfect Philadelphia home.

Console & Hollawell are seasoned professionals with a great deal of experience in premise liability accidents. If you’ve suffered an injury in a slip and fall accident in someone else’s home, Philadelphia Real Estatethere are important things you need to know. Be sure to read over the vital information above, then call an attorney.

Philadelphia Real Estate: Moving with Kids?

Wednesday, July 27th, 2011

Philadelphia Real EstateWhen looking to buy real estate in Philadelphia, there are a lot of factors to consider—and if you’re not just thinking for yourself, but thinking for two, or three, or ten—there are even more factors to mull over when looking to buy.

If you’ve considered buying Philadelphia Real Estate, and you have children to think for, before you commit to anything, you need to know what the city has to offer you… and your little ones.

Whether you’re looking to buy in the Art Museum area, Old City or even Graduate Hospital, it’s important to know what sort of attractions there are in the city—in order to keep your little ones happy and you sane.

We have so much faith in the city; we’ve done the research for you. Below are a few attractions that Philadelphia has to offer on any day.

Join in on an archaeological dig at the Academy of Natural Sciences.

Tour the Betsy Ross House, with an audio tour and scavenger hunt designed just for kids.

Explore historic Philadelphia in an amphibious Duck Tour. The Franklin Institute

Walk through the giant human heart model and visit the IMAX theater at  the Franklin Institute Science Museum.

Take part in interactive exhibits at the National Constitution Center.

Visit the hands-on petting zoo and Treehouse and ride in the Zooballoon at the Philadelphia Zoo.

Discover one of the world’s best interactive kids’ museums, the Please Touch Museum.

Explore a World War II submarine and Navy cruiser from the 1980s at the The Independence Seaport Museum on Penn’s Landing.

Discover all of Earth’s creepy-crawlers at the Insectarium.

Tour the historic Eastern State Penitentiary – children under 7 are not permitted.

For those spontaneous days, when you need only a little break– and a little fresh air, we’ve mapped out the city’s best playgrounds.

Rittenhouse Square at 18th and Walnut streets has a small playground and space in which to eat and relax.

Schuylkill River Park at Pine and 26th streets, and at 26th Street and the Benjamin Franklin Parkway, opposite the art museum.

Nearest Independence Hall, try Delancey, aka “Three Bears,” Park at Delancey between 3rd and 4th streets offers lots of fountains and animal sculptures to climb on.

Starr Garden at 6th and Lombard streets.

Franklin Square ParkThe Smith Memorial offers a wooden slide, weird things to climb on, and an indoor playground with plenty of toys to play with and spots to picnic

Franklin Square Park, between 6th and 7th on Race Street, has an old-fashioned carousel, a fountain (ca. 1825), a Philly-themed minigolf course, and a playground. Open daylight hours. The carousel costs $3 for adults and $2 for children. Minigolf costs $8 per adult and $6 per child. When this guide was published, hours were limited to Friday, Saturday, and Sunday.

For those special days when you need to plan a structured, mid-day affair, we’ve researched the best places to keep your little ones entertained for a generous amount of time.

The Arden Theatre at 40 N. 2nd St. (tel. 215/922-1122; www.ardentheatre.org) is one of a dozen companies that produces children’s theater year-round.

The Pennsylvania Ballet puts on matinee performances that make for a perfect early afternoon. Call tel. 215/551-7000 for more information.

The Philadelphia Museum of Art at 26th and Benjamin Franklin Parkway (bus: PHLASH, 21, or 42) has dedicated itself to producing Sunday-morning and early-afternoon programs for children, at minimal or no charge. Your kids could wind up drawing pictures of armor or watching a puppet play about dragons, visiting a Chinese court, or exploring cubism. Call tel. 215/763-8100, or 684-7500 for 24-hour information.

Philadelphia Real Estate: Different Neighborhoods, Different Schools

Wednesday, July 27th, 2011

 

If you are moving to Philadelphia, and you have children—or plan to have children—it’s important to understand the school system and its’ boundaries. Below, we have mapped out each area in Philadelphia and the schools that correspond.

Philadelphia School DistrictFishtown:

Penn Treaty Middle School

Holy Name of Jesus School

St. Laurentius School

Old City:

General George A. McCall School

Furness High School

Mastery Charter High School

East Falls:

William Penn Charter School

Philadelphia University

Drexel University College of Medicine

The Mifflin School

Washington Square West:

Thomas Jefferson University

McCall School

Art Museum/Fairmount:

Bache-Martin School

Laura Wheeler Waring School 

St Francis Xavier

Benjamin Franklin High School

Roman Catholic High School

Philadelphia Mennonite High School

Girard College

St Joseph’s Preparatory SchoolPhiladelphia School District

New Hope Christian Academy

Moore College of Art

University City:

University of Pennsylvania

Drexel University

University of the Sciences

Charles R. Drew School

Samuel Powel School

University City High School

Middle Years Alternative & Parkway School

Rittenhouse Square:

Albert M. Greenfield School

South Philadelphia High School

Society Hill:

General George A. McCall School 

Furness High School

Saint Peter’s School

Queen Village:

William M. Meredith School

Center City:

Chester A. Arthur

Bache-Martin

Albert M. Greenfield

William H. Harrison

Philadelphia School DistrictAndrew Jackson

General Philip Kearny

James R. Ludlow

General George A. McCall

William M. Meredith

George W. Nebinger

Spring Garden

Edwin M. Stanton

Furness High School

Benjamin Franklin High School

South Philadelphia High School

Bodine High School for International Affairs

Constitution High School for American Studies

Franklin Learning Center High School

Parkway Center City High School

Philadelphia High School for Business and Technology

Science Leadership Academy

From Showing to Selling Your Philadelphia Home

Thursday, July 7th, 2011

 

By: Rachel Vanderveen

After having spent oodles of time reading my past blogsPhiladelphia Real Estate and carrying out the instructions, your home has now been neutralized, minimized, and shines like a new penny! Listing your home on the Philadelphia MLS is a big decision, and getting to the night before your agent loads it live on the Philadelphia MLS can be a long process. But you’re here, and there’s no looking back. You’re moving! So what do we do when our agent calls us with a showing that is going to be happening in two hours? How do we give the best showing possible and make sure that all of the hard work we have done until now really stands out to potential buyers? That’s what today’s blog is all about. The bulk of your effort has already been exerted on staging your home, but if those people looking to buy Philadelphia Real Estate can’t see the work you’ve done, it really wasn’t worth your time.

Let’s start with the simplest principle of getting your home to shine: lighting. For every showing that comes through your home, I want every single light you have to be switched on, even if the showing is happening at 9am. I mean everything. I want lamps, work lights, pot lights, puck lights, and under cabinet lights to be switched on and waiting for those buyers to come through. If you have any of those coil-y high efficiency light bulbs in thePhiladelphia Real Estate home, remove them and replace them with regular burning incandescent bulbs. The reason is that those high E bulbs take about a minute or two to actually light up to their full potential, and if lights are being turned on and off by buyers this can be a problem. The second problem—which is worse than the first—is that those bulbs cast a greenish/yellow and almost menacing light on a space. They’re the opposite of warm. They’re cold and … uneasy… is the only word I can think of to describe their light. Now, I know that Al Gore would hunt me down for words like these, but all I’m suggesting is that you take those coil bulbs with you to your next home, which I call recycling! J You probably paid a lot of money for them, so you might as well keep the expensive ones you bought.

Why is light so important? Because nine times out of ten, you can’t renovate-in more natural light, and if you can, it’s a costly endeavor. By making your home appear to be well-lit, you’re adding value and appeal. Most people don’t have all of their lights on at 9am, but buyers don’t tend to notice this. Your home just appears to be well-lit and warm when all the lights are on.

Next, I want you to have some light music playing. I want it to be loud enough so one can hear it clearly, but not so loud that one couldn’t have a comfortable conversation if one was standing close to the source. Now as for music selection, let’s take a look at what you’re selling. Are you selling a single-level apartment in a swanky district? Go for some light jazz. Are you selling a 5000 square foot estate with classic features and conservative design? Light classical music is your best bet. If you’re selling a home that backs onto water, go for something flute-y with maybe some ocean noise in the background.

I know you’ve been told to bake cookies before open houses and showings. If you have the time or the desire, than definitely do it. But I’d say the easiest thing to do is to buy vanilla air fresheners and plug one in to every room. Skip the tropical or perfume-y scents, and stick with vanilla which has universal appeal and offends very few people’s senses. 

If your agent says you have a showing between 5pm and 6pm, you should leave your house at 4:45pm and return at 6:15, just in case the showing arrives early or wants to stay late. No, you may not stay home for the showing. Ever. You must leave the property entirely, and, no, hiding in the basement, garage or backyard does not count. Potential Philly Real Estate buyers want to view your property, not you. Having a homeowner present makes buyers extremely uncomfortable, and those showings are usually cut very short.

Lastly, you may not ever decline a showing. Ever. The only acceptable excuses for declining showings are death (in the immediate family) or sickness (that is on the edge of death). But in all seriousness, if you decline a showing, you could be turning away the people who are going to write that offer on your property. You never know who is going to be the one to love it, and in most cases if the showing is declined, the agent will not rebook.

You are now ready to list your home on the Philadelphia Real Estate Market! It’s been a fun ride! May your offers be many, and your showings be few! Philadelphia Real Estate

Until next time… 

Rachel Vanderveen is a Calgary Christian Realtor and a Calgary home stager. She specializes in Homes for sale in Calgary, Chaparral Homes for sale, Douglasdale Estates Homes for sale , Mahogany Homes for sale , McKenzie Lake Homes for sale , and Auburn Bay Homes for sale .  But more importantly, she is a mother to four adorable children, a lover of Real Estate in Auburn Bay , and an avid writer of Calgary Real Estate  blogs. For more information on Calgary mls.ca, or searching mlslistings.ca, visit her website here.

Selling Your Home: Focused Rooms in Your Philadelphia Home

Thursday, June 30th, 2011

 

By: Rachel Vanderveen

Now that you’ve put away all the extras around the house and spiffed-up all around, we’re going to move on to giving each room in your house that extra “wow” factorPhiladelphia Real Estate that attracts those Philadelphia Real Estate Buyers to your humble little castle, and not to the Philly Listing down the street!

The key to a great room that attracts the eye, and brings warmth and comfort is setting up a great focal point. So what is a focal point? A focal point is one place in the room where the eye can naturally rest. Having this point is calming and relaxing to the viewer, even though they may not be aware of what it is that’s drawing them in.

The opposite of a great and relaxed focal point is focal confusion. This can happen when a person gets a hold of a Pier One credit card, and goes a bit nuts. You may have very pretty things everywhere around the room, but there are too many of them, and they cause a scattered and restless feeling to those who are seeking out Philadelphia Homes for Sale.

The best way to explain how to set up a great focal point is by explaining an example. So let’s look at a family room. Typically, the best place to create your focal point here is the fireplace. If you don’t have one, I suggest getting one. You can get a cheap plug-in model from Costco for under Philadelphia Real Estate$500, and the best part is that you can take it with you when you move! You may want to make your fireplace a different color than the wall behind it. Some things you can do to jazz it up are to add an impressive tile surround, or paint an old red-brick fireplace white. Above the mantle, you may want to put a large picture or urn with long sticks in it. Your focal point should be the place where you can have a bit of fun with color, whereas the areas around it should remain neutral both in decor and color.

Once you’ve chosen the pieces to pull together your focal point, you need everything else in the room to highlight, and point towards the display you’ve made. For example, long couches can point towards the fireplace, even the throw pillows can have corners that point to your display. Lines and angles should all highlight what you have set up. You should also be careful not to overshadow your focal points with anything else in the room. Don’t over-decorate anywhere else.

It’s hard to imagine that you can sell a home in Philadelphia for more money by taking this simple step, but it works! If you think about what you remember from being in Philadelphia Showhomes, you’ll easily recall that you don’t see family photos strewn about, or excessive art or accessories. Everything is pointing to a focal point, which is usually a saleable feature of the home.Philadelphia Real Estate

Have fun setting up your spaces this week; it’s the final step in preparing your Philadelphia Real Estate Listing! Check in next week for everything you need to know to give an irresistible showing!

Until Next Time…

Rachel Vanderveen is a Calgary Realtor specializing in Calgary home staging, Calgary Homes for Sale, Homes for sale in Chaparral, Homes for sale in Douglasdale Estates , Homes for sale in Mahogany, Homes for sale in McKenzie Lake, and Homes for sale in Auburn Bay.  But more importantly, she is a mother to four adorable children, a lover of Auburn Bay Real Estate, and an avid writer of Calgary Real Estate  blogs. For more information on Calgary mls.ca, or searching mlslistings.ca, visit her website here.

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