Real estate

Try to tour a house when it is raining outside.

Rain reveals potential problems very quickly.

one person who lived it

Before buying a home, check for online neighborhood groups to learn details that might influence your decision.

You may discover things about the area or its residents that affect your choice.

2 people, independently

If a real estate agent only shows a property after 7 PM, visit during the day to check for issues like bad neighbors or safety concerns.

One person discovered their neighbors were in a run-down building full of drug users when they visited at lunchtime instead of evening.

one person who lived it

Visit a complex in the evening to see if parking availability changes drastically compared to the daytime.

One complex seemed like a ghost town with plenty of parking during the day, but became a 'battle royal' by 5 PM.

one person who lived it

Drive by the property at night to judge lighting, parking, street light glare, and general safety feelings.

Neighborhoods can look completely different at night, revealing issues like poor lighting or lurking strangers.

• Night visits might also reveal neighborhood parties.

one person who lived it

Walk or drive through an apartment complex at night when viewing it to judge noise, safety, and parking conditions.

Daytime walkthroughs often occur when residents are away, minimizing noise and traffic; evening visits show the environment when people are home.

one person who lived it

Be aware that neighbors may cut down trees providing privacy between lots if they dislike their size.

Loss of trees removes privacy between neighbors.

one person who lived it

Check if neighbors or street passersby can see into your windows and consider using window film to blur the view.

Being visible from outside creates a feeling of being watched, which can make spaces like gardens or bathrooms unusable without blinds.

one person who lived it

Check for noise from nearby businesses, especially those with late-night hours.

Restaurants or bars across the street may become annoying if they offer after-midnight happy hours.

one person who lived it

If you want children, focus on a good school district; if you do not, consider areas with bad school districts for lower taxes.

Lower taxes

one person who lived it

Choose large isolated land if you value quiet, nature, gardening, and self-sufficiency.

It provides quietness and nature, allows you to develop the land with a garden and chickens, and forces a more deliberate life because you cannot easily walk to stores.

one person who lived it

Talk to cable or telephone technicians who service the area to get insights on crime, shopping, and traffic.

They are intimately familiar with multiple neighborhoods in a section of town.

• It may not be practical to find them; one user questioned how to approach them.

one person who lived it

Check for vibrations from nearby nightclubs or entertainment venues.

Vibrations from a nightclub in the same building can be heard throughout the property.

one person who lived it

Avoid buying homes in lower-income areas with poor schools if you have or plan to have children.

Parents may regret sending children to low-performing districts, and inconveniences may become unmanageable as the child grows.

one person who lived it

Judge parking availability by observing neighboring properties for Airbnbs or large groups of tenants.

Airbnbs and groups of college kids can cause parking issues.

one person who lived it

Avoid areas where 7-Eleven is the primary grocery store.

You can assume it is not the best area.

one person who lived it

Avoid buying homes backing onto small business estates with delivery services if you value quiet nights.

Delivery services may run forklifts, use PA systems, and have loud outside telephones all night, preventing sleep.

one person who lived it

Drive through the neighborhood at your typical commute hour and later at night to judge parking availability.

To understand the parking.

one person who lived it

• Check parking availability at midnight on Sunday to gauge worst-case scenarios.1

Reconsider moving to Minneapolis if you cannot handle extreme cold.

One person who grew up there cautioned that the cold is next level.

one person who lived it

Avoid buying homes near middle schools if you dislike repetitive band practice noise that gets louder over time.

The same song is repeated without improvement while drums get louder.

one person who lived it

Check if separate garage or storage units on the property become gathering spots for problem people at night.

One person reported that while the main complex was quiet, problem people congregated at the separate garages/storage units at night.

one person who lived it

Buy light bulbs with the same color temperature to avoid an unappealing mix of soft white and daylight lights.

Mixed color temperatures do not look good.

one person who lived it

Visit the nearest grocery stores to check prices, quality, and shopper demographics.

You will frequent these stores often, and the shoppers represent your future neighbors; this reveals what you need to know about the neighborhood.

one person who lived it

Observe the quality of cars and road maintenance in the neighborhood.

Local governments usually invest more in fixing higher-end neighborhoods.

• In Quebec, roads are often not fixed regardless.

one person who lived it

Request a car insurance quote for the new address to gauge safety based on changes in premiums related to traffic factors.

Premium differences can reflect accident risks like bad intersections rather than just crime.

one person who lived it

Vote for or become an HOA board member to influence policies positively, such as allowing solar panels or bee-friendly lawns.

Changing board membership is an effective way to combat restrictive HOA policies.

one person who lived it

Research specific neighborhoods rather than entire cities, as safety and cost vary widely within urban areas.

Every city has both good and bad parts.

one person who lived it

Avoid Houston if you dislike urban sprawl, poor walking infrastructure, or aggressive driving conditions.

It features highways everywhere and poor walking infrastructure, which can lead to hazards like catching your ankle on debris while running at night.

one person who lived it

Verify whether listed 'metro areas' are actually small towns or isolated communities rather than functional metropolitan regions.

Some places labeled as metro areas are not, such as a town in a state forest with a population of 50k.

one person who lived it

Talk to neighbors during open houses to get useful information about the neighborhood.

Neighbors volunteer good info that is very useful.

one person who lived it

Greet residents you encounter during evening visits and ask them about living in the complex.

Residents provide more honest feedback than leasing agents, and their responsiveness indicates the nature of future neighbors.

one person who lived it

Choose a condo with elevator access and wheelchair accessibility to avoid moving if physical problems arise.

It ensures you won't have to move again even if you develop mobility issues.

one person who lived it

Check for commercial vans parked on the street at night to identify home-based businesses.

Residents may park business vehicles around their home, including in front of neighboring houses.

one person who lived it

Ask pizza or food delivery drivers about the neighborhood, as they are intimately familiar with each area.

They're intimately familiar with each neighbourhood.

one person who lived it

Get an ecological survey before planning development to avoid discovering rare plants or animals that require millions to remove.

one person who lived it

Consider joining the HOA or condo board if there is an opening to gain influence over management decisions.

One person joined to prevent mismanagement after hearing horror stories about HOAs.

one person who lived it

Be aware that it is possible to live in multiple residences over several years without ever interacting with neighbors.

one person who lived it

Drive through prospective neighborhoods during rush hour to identify shortcut traffic patterns.

one person who lived it

In Australia, expect government houses to be dispersed among regular homes rather than clustered separately.

one person who lived it

Verify the condition of underlying wood during roof inspections, as sellers may ignore structural rot if they plan to sell soon.

Sellers planning to sell quickly may disregard repairs that would only last a few years.

one person who lived it

Buy a fixer-upper only if you can correctly work out the home, determine it is below market value due to repairs, and perform those repairs yourself.

Fixer-uppers are a mystery box; you may not know if dated electricity requires full rewiring to meet current city code.

• You might encounter hidden issues like outdated electrical wiring that needs complete replacement.

one person who lived it

Conduct a thorough title search and obtain title insurance when buying foreclosure properties.

To ensure clear title.

one person who lived it

Require central air conditioning when buying a home in hot climates like Florida.

It is considered a deal breaker in these regions.

one person who lived it

Seek out a home inspector known as a 'deal killer' who sides with the buyer and finds faults to provide leverage for negotiating price reductions or credits.

The more faults found, the more leverage the buyer has.

one person who lived it

Pay for a home inspection even if the house appears uninhabitable.

Otherwise you will be fucked.

one person who lived it

Do not tell your home inspector that you are buying the house primarily for its location.

It is considered a rookie move that may negatively influence the inspection process.

one person who lived it

Get a home inspection even for new construction to uncover roofing issues and errors.

One person's parents suffered financial loss after buying a new house without one.

one person who lived it

When applying for a permit for a tiny house as an accessory structure, frame it using positive terms like 'micro house,' 'hip,' 'sustainable,' or 'urban homesteading' rather than 'trailer' or 'house on wheels.'

Framing it as a trailer often leads to denial, while framing it as sustainable or hip can lead to approval.

one person who lived it

Focus on homes with solid mechanicals (plumbing, electrical) over those with fancy cosmetic updates.

It is better to replace trim yourself than to discover serious mechanical work is needed after buying a house with fancy trim.

one person who lived it

Focus on inspecting the five major home components: heating, plumbing, roofing, electrical, and foundation.

Newer and better conditions in these areas reduce the likelihood of major expenses.

one person who lived it

Perform a thorough inspection before buying a foreclosure to identify repair needs.

Cheap prices often indicate issues ranging from cosmetic to serious structural problems.

• Lenders may be reluctant to fund properties with potential structural risks.

one person who lived it

Verify that your mortgage lender's requirements for inspections are met, as they may mandate specific types of reports.

Some banks require a licensed home inspector's report to qualify for a mortgage.

one person who lived it

Buy homes from downsizing seniors that are structurally sound but need cosmetic updates.

Major systems like the roof, HVAC, and windows are likely in great condition despite outdated styles.

one person who lived it

Check county permit and inspection records to verify if home additions were permitted and inspected.

This confirmation can affect the sale.

one person who lived it

Avoid homes with Federal Pacific Electric breaker panels.

Fire insurance providers may refuse coverage unless the panel is replaced, which can prevent mortgage approval or lead to foreclosure threats.

one person who lived it

Ask specific questions about whether 'cosmetic' needs involve actual structural fixing.

Sellers may claim work is just cosmetic when it actually requires construction to be safe and livable.

one person who lived it

Ensure any tree-related concerns or inspections are explicitly brought up and documented in the contract to avoid being held liable for neglect.

Without documentation, failure to address tree issues is considered your neglect as much as the seller's.

one person who lived it

Verify that electrical, plumbing, HVAC systems, and building materials meet local codes during inspection.

Learning this the hard way involves paying later.

one person who lived it

Obtain a formal written home inspection report rather than relying on oral advice.

Oral advice is insufficient, and realtors may understate required repairs.

one person who lived it

Have your home inspector show you how to maintain the home's systems (e.g., HVAC filters, window seals) during the inspection.

one person who lived it

Prepare for difficulties when buying foreclosed (REO) properties, including harder mortgage approval, turned-off utilities that hide wiring or plumbing issues, and bank negotiations for repairs.

Banks typically will not fix anything wrong with the house.

one person who lived it

Research local rules regarding who can perform work to get permits approved before starting renovations.

Requirements vary by location; some towns approve anything up to current code, while others require licensed professionals for minor tasks like changing a bathroom vanity.

one person who lived it

Pay specialized contractors to inspect major components separately, as general inspectors often lack the training to diagnose complex system failures.

An HVAC contractor noted that general inspectors miss many things because they are not trained to know how specific systems work.

one person who lived it

• Hire specialized tradespeople like plumbers, electricians, and general contractors for a comprehensive assessment instead of relying solely on a general home inspector.2

Hire your own home inspector based on quality recommendations rather than using one suggested by the realtor or seller.

3 people, independently

• For new construction homes, hire an independent inspector rather than relying on the builder's recommendation or warranty alone.1

Ensure home inspection reports explicitly state the age of major components like the roof in writing, as insurance may refuse payouts if they dispute the age or condition based on their own assessment.

one person who lived it

Hire your own buyer's agent instead of using the listing agent.

A buyer's agent costs you nothing and can save money during negotiations.

one person who lived it

Bring small snacks to your closing appointment.

You will be signing paperwork for around 2 hours straight.

one person who lived it

Check school quality in the area even if you do not have children.

It makes the house more likely to sell later.

one person who lived it

Consider that selling by owner may lead to a less competitive sale if some buyers do not see your listing.

Buyers who don't see the listing cannot make offers.

one person who lived it

Never refer to someone's new home as a 'starter house.'

It devalues one of their biggest sources of pride.

one person who lived it

When buying cheap rural properties, test the water supply and verify deeded road access.

You need to ensure the property is not landlocked and has reliable water.

one person who lived it

Be aware that closing costs can be high.

They can be ridiculous, sometimes nearly twice the down payment.

one person who lived it

Have copies of recent utility bills and tax records ready for potential buyers.

Some buyers may request these documents.

• Not all sellers provide this information.

one person who lived it

Be available for showings at odd and inconvenient hours when selling by owner.

It may take many appointments at odd times, and you must let them look when they want.

one person who lived it

Hire an agent who understands that professional photos encourage buyers to visit open houses.

Professional photos get people off their devices and into the home.

• Empty rooms can lack scale reference, which some find unappealing.
• Some buyers prefer empty homes because they perceive them as needing quick sales, potentially allowing for lower offers.

one person who lived it

Factor in transaction taxes when considering future moves, as they can financially tie you to a location.

You incur the tax anytime you move, which may deter relocating for new opportunities.

one person who lived it

Negotiate to purchase staging furniture or decor from the seller or designer.

Designers are often willing to sell items to you.

one person who lived it

Build on unrestricted rural acreage to avoid city zoning restrictions on minimum square footage and mobile home placement.

Most cities restrict where mobile homes can be placed and enforce minimum square footage to protect property values.

• There is a big drawback: long commutes to anywhere.

one person who lived it

If you are self-employed and struggle to obtain a mortgage, consider taking a corporate job to enable homeownership.

Remaining self-employed may make homeownership not an option.

one person who lived it

Get multiple bids from contractors and take your time to negotiate lower prices rather than paying premium rates because they are busy.

Avoiding being a victim of overpaying due to contractor busyness.

one person who lived it

Read the fine print of free online contract forms carefully, as they may contain hidden clauses granting commissions to third parties.

one person who lived it

Use neutral colors and smaller or less furniture when preparing a home for sale.

Neutral colors are preferred over bold ones, and less plants and furniture are better than more.

one person who lived it

Report severe code violations to building code enforcement if you want to pressure a negligent landlord into selling or making repairs.

Enforcement action may be so costly that the landlord prefers to sell rather than pay for repairs.

one person who lived it

Be wary of realtors with high sales volumes who may focus on quantity over price, potentially suggesting you sell below market value to close deals faster.

High-volume agents may aim for quantity commissions rather than maximizing sale price.

one person who lived it

Expect to pay for appraisal, loan origination, survey, and escrow services at closing regardless of using an agent.

These services are required if financing the purchase and are paid at closing.

• If financing the purchase

one person who lived it

Do not dismiss condos as a first home option due to class prejudice.

Many people's first home is a condo, particularly in places like southern California.

one person who lived it

Avoid buying spec houses in new developments; choose established neighborhoods instead.

New developments may have untested value and ongoing construction noise or mess.

one person who lived it

Consider alternative housing models like RVs, tiny houses, or living with family to exit the direct housing market.

These situations allow you to be outside the direct housing market.

one person who lived it

If you have excess equity or investment properties, consider selling to downsize or move to a lower cost-of-living area.

Increasing house prices primarily benefit those with excess housing assets who can leverage them to relocate.

one person who lived it

Consider paying an attorney instead of a realtor.

The costs are likely comparable.

one person who lived it

Do your own research online besides asking on forums when selling by owner.

there is lots of information online

one person who lived it

Avoid photographing used furniture sitting outside when selling it online.

Buyers may worry about pests or damage from being outdoors.

one person who lived it

Avoid buying timeshares unless they generate returns higher than inflation.

They lose value every year otherwise.

one person who lived it

Visit an open house hosted by a potential realtor before hiring them to work out their professionalism, security practices, and engagement with visitors.

A realtor running an open house has two primary responsibilities: talking the property up to prospective buyers and acting as the owner's eye.

2 people, independently

Follow up on direct inquiries to potential sellers with a handwritten letter to demonstrate sincerity.

One recipient found the gesture thoughtful and responded promptly.

one person who lived it

Avoid buying a rental property if you value the freedom to move locations easily or wish to avoid significant maintenance responsibilities.

Selling a property can be difficult, and houses require more work than anticipated.

one person who lived it

Contact the seller's realtor to arrange pickup of junk left behind by sellers after closing.

one person who lived it

Be aware that foreign investors often enter the market with cash.

Foreign involved transactions come in with cash, intensifying competition.

one person who lived it

Conduct thorough due diligence on potential buyers because some may lie about their intent to develop or flip the property.

one person who lived it

View a home purchase as an investment opportunity rather than a lifetime deal to avoid emotional binding.

one person who lived it

In tight rental markets, calculate how many nonrefundable application fees or deposits you can afford to pay to hold a unit while evaluating other options.

one person who lived it

Consider the Great Lakes region as an alternative to oceanfront living.

You can still find soft sand beaches with waves, shells, and miles of shoreline.

one person who lived it

Avoid Western South Dakota near the Black Hills due to rising housing costs; choose other parts of the Dakotas for affordability.

The area around the Black Hills is popular among outdoor enthusiasts and retirees, limiting housing supply.

one person who lived it

Explore the Space Coast of Florida, specifically Titusville, for cheap living and beach access.

Rent is cheap due to NASA scaling down, and there are good jobs and beaches.

one person who lived it

Select Richmond for outdoor recreation, food, breweries, and music.

It is still affordable and offers awesome urban recreation, a great food scene, a great brewery scene, and a decent music scene.

one person who lived it

Visit Nags Head, North Carolina, in early October to find lower prices and empty beaches.

Prices drop and crowds disappear just off-season.

one person who lived it

Consider Omaha or Lincoln, Nebraska, for affordable living and easy job finding.

They have large enough populations to make finding work easy while remaining affordable.

one person who lived it

Request recent utility bills to estimate running costs and judge the home's efficiency.

Past bills indicate how much it cost the previous owners to run the house.

one person who lived it

When comparing rent to owning, factor in expenses beyond just the mortgage payment, such as taxes and maintenance.

Rent includes costs like maintenance that the mortgage payment does not cover.

one person who lived it

Consider selling your mobile home if repair costs exceed its value, though depreciation depends on location and market.

Mobile homes generally depreciate, but this is not always the case depending on location and market.

• Depreciation depends on location and market.

one person who lived it

Choose a one-story house over a two-story to manage heating and cooling costs.

Heating and cooling bills for multi-story homes can be outrageous.

one person who lived it

Understand that renting does not shield you from increased ownership costs.

Increased ownership costs often drive up rents as well.

one person who lived it

Obtain insurance quotes early in the home-buying process to ensure monthly premiums fit your budget.

Monthly insurance payments can exceed mortgage payments.

one person who lived it

Budget for increased vehicle maintenance, fuel expenses, and land care equipment when considering rural living.

Greater distances to town and work increase wear and fuel use; large land areas may require riding mowers or tractors.

one person who lived it

Avoid areas prone to flooding when seeking affordable housing, as flood insurance adds significant costs.

Flood insurance is an additional cost in cheap, rural areas.

one person who lived it

Budget for increased utility bills including cable, internet, water, sewer, and garbage.

Cable and internet costs rise annually, and water, sewer, and garbage can add significant monthly costs depending on location.

one person who lived it

Inspect hidden areas like under decks for plumbing upgrades, as visible improvements may not extend to concealed infrastructure.

Original, aging sewer lines may remain hidden beneath newer finishes.

one person who lived it

Focus on fixing structural issues over cosmetic ones because structural problems are expensive.

Structural issues like damp basements or leaning decks are big-ticket items, whereas cosmetic things can be changed.

one person who lived it

Investigate structural issues like foundation stability and drainage, which can cost thousands to fix.

Undisclosed issues like garage foundation stabilization and gutter replacement can be expensive.

one person who lived it

Keep your financial situation stable while applying for a mortgage or refinance: do not quit your job, finance a car, make large cash deposits, or open new credit accounts.

Lenders require a boring financial history to approve loans.

one person who lived it

Buy a smaller home to reduce heating, cooling, and cleaning costs while gaining financial freedom.

It is less to heat/cool and clean, and creates a cozier environment.

one person who lived it

Focus on building an emergency fund in a liquid account like a High-Yield Savings Account over paying down a low-interest mortgage.

You cannot pull money out of a mortgage, but liquid savings can save your house if you lose your job.

one person who lived it

Ask friends and family for furniture they are looking to replace.

Many people have items like recliners they want an excuse to get rid of.

2 people, independently

Build a dedicated fund for home repairs and maintenance.

Homeownership involves constant costs for maintenance and repairs that do not exist in apartments.

2 people, independently

Switch to LED light bulbs and ensure good insulation to keep heating and cooling bills low.

Poor insulation results in much higher than necessary heating/AC bills.

one person who lived it

Consider the NACA program for home buying, which offers no money down, no closing costs, and lower interest rates.

• The hoops to jump through to qualify are substantial.

3 people, independently

Buy a home well below your means to leave room for savings, discretionary spending, and financial flexibility during income changes.

It provides a buffer for savings and helps manage periods of lower pay.

one person who lived it

Consider buying blighted houses at auction for very low prices instead of squatting.

Houses can be bought for $1000 or less; demonstrating willingness to revitalize a block may help negotiate tax abatements.

one person who lived it

Purchase non-perishable household goods, such as dish soap, laundry detergent, and toilet paper, in large quantities.

This approach tends to save money over time.

5 people, independently

Keep liquid cash reserves rather than putting all money into a house.

Having liquid cash provides peace of mind for emergencies, whereas a house is not liquid.

one person who lived it

Source building materials yourself or buy leftover materials from others to save significant money on renovations.

One person saved almost 20k by buying leftover roof materials from a friend.

one person who lived it

Recarpet or refloor before moving into a new home.

It is difficult to fit belongings in other rooms once you are settled in.

one person who lived it

Consider buying foreclosures in areas where they sell cheaply, accepting that they will be fixer-uppers.

It is worth the money despite the condition.

one person who lived it

Focus on buying a traditional house over a mobile home to protect resale value.

Houses generally appreciate while mobile homes depreciate; a house is easier for someone else to fix up and buy later.

one person who lived it

Consider buying in less desirable areas to build equity, which can later fund a move to a nicer neighborhood.

One person saved enough equity from a Detroit house to relocate to a better area.

one person who lived it

Retain a portion of savings for emergency repairs rather than using all funds for the down payment.

Cash reserves are needed if major appliances like furnaces or fridges fail.

one person who lived it

Restore old, high-quality features instead of replacing them with cheap new ones.

Old items can almost always be restored to look great, whereas new replacements may be of poor quality.

one person who lived it

Downgrade to a cheaper, older vehicle if it helps you save money on hauling and other project needs.

one person who lived it

Secure a job before moving to ensure you have a reliable way to support yourself.

one person who lived it

Save tens of thousands of dollars specifically for maintenance during the first few years of homeownership.

Maintenance costs often arise before any aesthetic improvements are made.

one person who lived it

Build an efficiency apartment above a garage and rent out your main house to cover your mortgage and live rent-free.

one person who lived it

Treat mortgage payments as the minimum monthly housing cost and rent as the maximum.

2 people, independently

Consider renting if you prefer not to handle maintenance, as landlords cover repairs and costs beyond minor fixes like replacing lightbulbs.

Renters can request repairs and have someone else pay for them.

one person who lived it

Buy used tools and equipment for yard maintenance and minor home repairs, and try simple fixes yourself using online guides before calling a pro.

Buying used saves money, and almost every procedure is available on YouTube.

one person who lived it

Learn about compounding interest to understand the significant cost difference between mortgage rates.

There is a huge financial difference between small variations in interest rates.

one person who lived it

Balance financial optimization against peace of mind when deciding whether to pay off a mortgage early.

Peace of mind can be priceless.

one person who lived it

Avoid FHA 203k rehab loans due to excessive paperwork and fees; instead, use a conventional loan and finance repairs separately using savings or other financing.

The fees and paperwork involved in 203k loans are considered not worth it.

one person who lived it

Include property taxes and insurance in your mortgage loan via an escrow account.

It simplifies payments into one monthly amount and makes long-term savings easier to account for.

one person who lived it

Focus on structural integrity and layout over cosmetic features like carpet, curtains, or wall color.

Cosmetic fixes are cheaper; bones and layout are expensive fixes.

one person who lived it

If you are handy, perform minor home repairs yourself to save money compared to hiring professionals.

2 people, independently

Fix or replace broken household items immediately to prevent minor issues from causing expensive secondary damage.

Leaving problems like leaky pipes unaddressed can result in damage that costs more to fix.

one person who lived it

Include insurance costs and interest payments in your mortgage affordability estimates.

Your payments will not consist entirely of principal.

one person who lived it

Keep detailed receipts for all home improvements and repairs.

Records demonstrate responsibility when selling and increase cost basis if the residence becomes a rental.

one person who lived it

Furnish minimally using hand-me-down furniture, utensils, and cookware from family.

It is really helpful.

one person who lived it

When buying a house, consider whether staying in your current home and selling your rental property is better than moving into the rental and renting out the house.

one person who lived it

Scan important home documents with your phone for digital backup.

Digital copies provide redundancy.

one person who lived it

Avoid overly large homes to eliminate the burden of heating, cooling, and maintaining excessive square footage.

one person who lived it

Choose a lower monthly payment option to maintain liquidity during financial instability.

one person who lived it

Wait to buy furniture until after you move in and purchase items gradually rather than filling the house immediately.

3 people, independently

Consider Holland, Michigan, where the community has rallied against Asian American hate.

The community views hate as a virus and rallies against it.

one person who lived it

Avoid purchasing home warranties.

They are described as useless.

one person who lived it

Exercise extreme caution regarding water safety, as undercurrents can be deadly on certain days.

one person who lived it