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If you’re selling your home, then you know there’s a laundry list of things you need to do to prepare. You’ve got to find a great real estate agent, prepare your home to list, and get ready for your next big adventure. But one thing that most sellers don’t include on that list is to think like a homebuyer. Ask yourself these questions in order to see your home from a buyer’s perspective thereby increasing your chances of a successful sale.

Who are the potential buyers?

Many home sellers don’t take the time to figure out the kind of buyer that is most likely to purchase their home. And this can be a big mistake. You won’t know what to highlight or how to market your home unless you what kind of buyer will be interested. Who lives in your neighborhood? How has your community changed since you moved there? Is your home good for a growing family, or will it appeal to empty nesters? What kinds of amenities are nearby? By knowing who your potential buyers will be, you can make choices now that will appeal to them.

Does my home have curb appeal?

Imagine pulling up to your house for the first time. Even better – imagine what it would be like to see your home for the first time in a photograph posted online. What stands out? What could use some attention? Curb appeal is very important when selling your home. You want the exterior of your home to be inviting enough that potential buyers will want to see the inside. Determine where you need to make some changes to the exterior so that it makes a great first impression. If your driveway needs a makeover, you may hire a paving or concrete sealing contractor to help you with an Asphalt Replacement project. You can navigate here for professional driveway paving services.

What’s my home’s best feature?

Is there something that makes your home stand out? Then that’s what potential buyers will most likely be attracted to. Do you have a great view? Does your home lend itself well to entertaining? Is it within walking distance of excellent amenities? Is there a big backyard that is great for kids and pets? Be sure to focus some time and energy on sprucing up and highlighting your home’s best feature, because potential buyers will certainly be looking at it.

What is my home’s biggest drawback?

On the flip side, be honest with yourself about where your home needs the most work. Is the design outdated? Are there repairs that need attention, like squeaky floors or leaky faucets? Are any of your major appliances in need of replacement? Potential buyers are sure to see these things, and can use them as bargaining chips to make a lowball offer. Make necessary small repairs, and consider upgrades that make financial sense. Cosmetic changes like new paint, lighting fixtures, and window treatments can go a long way to making your home feel updated and attractive.

Will a buyer be able to imagine living in my home?

Finally, be sure to de-clutter and de-personalize your home before any buyer visits. It’s important to neutralize your home’s décor so that any potential buyer can imagine living there. This means removing family photos and personal possessions, and arranging furniture to suggest how each room can be used. Appeal to your buyer’s emotions, and allow them to easily see how their belongings can be used in the house.

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You never know what life is going to throw at you. Which is why it’s so important to build an emergency fund. These funds can be used for so many things – from unexpected medical expenses to the emergency replacement of an important home appliance. For instance, A standby generator is a permanently installed appliance that you might need when you least expect it, so you can hire experts such as these whole home generator services in Roseville, CA. It can also be very comforting to know that you’ve got your mortgage and bills covered when you’re looking for a job. But how do you build an emergency fund? Here’s what you need to know to get started. We know that choosing component manufacturer is never easy, that’s why we decided to share this article as a guide.

How much should you save?

The amount you save will vary from person to person depending on your unique situation. When you’re building your emergency fund, you should aim to save anywhere from three to six month’s worth of expenses. But even just having a few hundred dollars stashed away can be a good start. You should also consider setting up a savings account for your kid at The Children’s ISA if you have one.

Where should I save the money?

Although it can be tempting to simply save the money in your normal checking or savings account, that can prove detrimental. It will be too easy to spend that money on things that aren’t an emergency. While you need to have quick access to the money, you should save it in a separate account. Look for savings accounts that earn interest so you can make more money on the cash you save.

How can I save the money?

The most challenging part of building an emergency fund is figuring out where the money is going to come from. Here are some ideas that can help you start saving money right away:

• Reduce expenses – Look through your monthly bills and find ways that you can cut your current expenses. Consider ending subscriptions for services you don’t use often. Turn the thermostat down a couple of degrees. Take those savings and deposit them in your emergency fund.
• Don’t spend your tax refund – Tax time is here. If you’re expecting a tax refund, then resist the urge to splurge. Instead, put that money in your emergency fund for when you really need it.
• Don’t spend cash gifts – It’s not unusual to receive cash gifts on special occasions, such as birthdays and anniversaries. Instead of spending that money on dinner out, put it in your emergency fund.
• Treat it like a normal bill – Determine how much money you’d like to set aside each month. Then treat that amount as though it is any other monthly bill you pay. Deposit it directly into your savings account and watch your fund grow.
• Sell something – We all have more belongings than we actually use. If you have anything of value that you can part with, consider selling it. You can make some serious cash when you sell items on eBay or other online marketplaces. Not only will you be contributing to your emergency fund, but you’ll also be de-cluttering your house. It’s a win-win situation.
• Get another job – If you have a little extra time in your schedule, then consider picking up a second job, even temporarily. Sacrificing a little time right now can really help you down the line when you need it most.

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When you’re buying a home, you’ll see a description in the listing for that home. One key element that is usually included is the architectural style of the home. This can be anything from a Cape Cod to a Midcentury Modern style. But one style you’re sure to see a lot of is a ranch style home. But just what is a ranch style house, and is it the right kind of home for you? Let’s take a closer look at this popular American style.

History of ranch style homes

The ranch style home dates back all the way to the 1930s and most likely originated in California. Unlike homes of earlier eras, ranch style homes focused on space and had open floor plans. They created a unique flow between indoor and outdoor living spaces and were easily accessible. This style of home emphasized family life, and often eliminated more formal spaces like dining rooms. Twenty years later, ranch style homes were the most common in America, and the design spread throughout the United States. It was most often found in the suburbs, and dominated the market until the 1970s.

Main characteristics of ranch style homes

It’s easy to spot a ranch style home once you understand their main characteristics. On the outside, ranch style homes have a long, low-pitched roof installation with deep, overhanging eaves. They feature large windows, attached garages, and sliding glass doors. The exterior is made with a variety of materials including wood, brick, stone, and stucco, even for the roof, so you better Hire experienced trocal roofing contractors to help setup your flat trocal roof extension in Dublin for this. An experienced residential roofing contractor can help you achieve the style of roofing you want for your home.

Many of these homes also feature a paved patio installation to extend the living space outdoors. They are typically single-story homes. On the inside, ranch homes have open-concept floor plans for the kitchen, living room, and dining room. Most include three separate bedrooms and a full basement.

Types of ranch style homes

Although ranch style homes contain most of the characteristics defined above, there are several unique types:

• California Ranch – Cliff May built the first ranch style home in California, and the California ranch blends in with the natural environment. It features elements of the Spanish Colonial and Arts & Crafts styles, and many feature a courtyard in the middle. Star Spangled Flags has a great Flag of California on their website.
• Split-level Ranch – Split-level ranch homes look like traditional ranch style homes from the front. But they actually feature three levels. The front door leads to the main living area and on one side are half-staircases leading up and down. Upstairs you’ll find the bedrooms, and downstairs is additional living space in the basement.
• Suburban Ranch – These homes were most common after WWII, and are smaller than the California ranch style from which they borrow. They are usually built on slabs and also feature open floor plans.
• Storybook Ranch – The storybook ranch home takes the exterior of this style to a new level with more details. You’ll often see ornamental trim, roofing felt, exposed rafters, and other exterior embellishments that add charm.
• Raised Ranch – Similar to the split-level ranch, these ranch style homes have two levels. When you walk inside, there are typically stairs leading upstairs and downstairs, and the downstairs areas usually feature garages and utilitarian spaces.

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While it may feel like Old Man Winter is never going to leave, spring is just a few weeks away. The spring season is one of the best times of the year to sell your home. By getting yourself prepared during this time, you’ll be ready to list your home at the beginning of spring. Here’s what you need to do over the next few weeks to get ready.

Declutter

Is there a better time to declutter your home than in the dead of winter? When the weather prohibits you from going outside, spend your time inside getting control of your clutter. One of the most important things you can do when selling your home is to declutter and depersonalize your space. By starting now you’re giving yourself plenty of time to accomplish this task. Do you need some inspiration to get started? Then check out Marie Kondo’s book The Life Changing Magic of Tidying Up or watch her show “Tidying Up with Marie Kondo” on Netflix.

Clean

Once you’ve cleared out all the stuff you no longer need, it’s time to give your home a deep clean. Your home needs to be sparkling before any potential buyers drop in. This is one step that cannot be overlooked. Everything needs to be done, including Steam Cleaning for Carpets, polishing the hardwood and tile floors, scrubbing the bathrooms and kitchen, cleaning the windows, and making sure you get into all the nooks and crannies. If the idea of deep cleaning your home is overwhelming, then hire a cleaning company to get the job done. We always recommended to go with an experienced exterior cleaning company like Xplicit Kleans who know which products and techniques to use to get the best results. If your floor needs more than just cleaning, then this Epoxy Floor Coatings here might be the best option you may want to consider! Installing a new vinyl plank flooring may also be a great idea to improve your home and increase its value.

Make repairs

When you’re cleaning, take note of anything that needs repairs. This could include a leaky faucet, a tricky doorknob, or a hole in the drywall that will most likely require professional drywall repair services. Make sure all lights are working. Remember – potential buyers are going to be looking at everything in your home. And if they don’t notice something, you can be sure the home inspector will. Tackling these small repairs now will save you many headaches down the line.

Paint

We know how much you love that bright blue paint in your master bathroom. But you never know if it will suite the tastes of all the potential buyers who walk through your home. Now is a good time to repaint your rooms with neutral colors, like white, beige, or gray. Neutral colors allow buyers to more easily imagine themselves in the home. And a fresh coat of paint does wonders to make any room feel fresh and clean.

Interview agents

Finally, take time to research professional real estate agents in your area. Talk to friends and family to get recommendations. Once you’ve got some names, research them online. See what kinds of reviews they’ve gotten from other sellers, and whether or not they’ve had any disciplinary action taken against them. When you have a few agents that meet your criteria, schedule interviews with them. Ask them about their home-selling strategies, their fees, and if they can provide you with references. You’ll get a good sense of which agent best suites your needs, and if their personality is a match with yours.

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If you’re a first-time homebuyer, then you’ve no doubt heard the term “starter home” before. But what exactly is a starter home? And what should you look for in this kind of property? Here are some great tips on what to look for in your first home so that you can love it for many years to come.

What is a starter home?

First of all, a starter home is often defined as the first home that a buyer can afford to purchase. Starter homes tend to be smaller and have fewer luxury amenities than higher-priced homes. In suburban areas, starter homes often have three bedrooms and two bathrooms. In more urban areas, starter homes may only have two bedrooms or one bathroom. They can also be a condo or even a studio apartment, depending on where the property is located and what the real estate costs are in the area.

Buy what you can afford

When you’re buying your first home, it can be easy to get carried away. You’ve been dreaming of this moment for a long time. But it’s very important that you buy a home you can actually afford. Don’t just look at homes that are at the maximum amount you can borrow. Remember – your financial situation could change at any time. There’s nothing worse than knowing you can’t afford your mortgage payments. For your starter home, stay well within your budget.

Know what you want

If you begin your home search without knowing what you want, then you will be overwhelmed by the choices. Take time before you begin your search in earnest to create a list of things you need and want in a home. Don’t just consider the inside of the home. Take into consideration the neighborhood, the distance from your job, and nearby amenities. Know what would be a deal-breaker and know what you can flexible about.

Buy a well maintained home

Unless you’re very enthusiastic about buying a fixer-upper, you should look for a starter home that has been well maintained by the previous owners. It’s easy to underestimate how much time and money it will take to repair and upgrade a home. It’s also easy to underestimate how much you’ll pay each month in regular maintenance. Check the condition of the roof and residential rain gutter installation, plumbing, foundation, and all the other essential systems. Don’t assume you’re getting a great deal if you buy a fixer-upper. It could end up costing you more down the line.

Look to the future

Starter homes are just that – they are the homes that first-time buyers start out with. But that doesn’t mean you won’t live there for many years. Think about your plans for the future. Are you thinking of doing a kitchen or bathroom remodeling project in the next few years? Are you hoping to grow your family? Then you may need more space. Are you hoping to make money on your starter home? Then you’ll want to buy in a neighborhood that is popular with young families. The Lakegarden Residences is located close to the Jurong Lakeside District, a large-scale leisure and commercial zone with a high density. Are you hoping that you can live in your home indefinitely? Then make choices that will work for you as you age, such as proximity to amenities or a quieter neighborhood.

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Finding a home you love is one of the most enjoyable – and sometimes most stressful – parts of buying a home. When you finally find the home that you know will be a good fit for you, then it’s time to make an offer. But just what goes into making an offer on a home for sale? Let’s go over the steps you and your real estate agent need to take to get the purchase rolling.

Get a mortgage pre-approval

The most important step you need to take when you’re buying a home is to get pre-approved for a home loan. Getting pre-approval shows a seller that you are serious about your offer. It also lets them know that you are likely to qualify for a loan to buy their home. If you are making an offer in a competitive market, then it is absolutely essential that you get a pre-approval letter. You can be sure that other buyers making offers will be pre-approved. If you aren’t, then you will lose out.

Determine your offering price

You can see from the listing how much the asking price is for the home. But is that the price you should offer? Many things go into determining how much to offer for a home. Find out what the comps are in your area and use those figures to help guide you to a reasonable offer. Also take into consideration how competitive the market is. If you know that several other buyers will likely be making offers, then you may want to consider offering more than the asking price. Just remember – if the home appraises for less than what you offered, you will be responsible for coming up with the difference. Lenders will not approve a loan that is more than what they believe the home is worth.

Prepare your documents

Once you’ve come up with an offer, it’s time to submit formal paperwork. Your agent will help you prepare the offer letter or purchase agreement. This is a legally binding sales contract that includes all the terms of the deal. It will list a description of the home, your offer price, how much you will contribute to the down payment, and a proposed closing date. This document will also include contingencies like a home inspection, details of the escrow, and the proposed date of possession.

Submit your earnest money

When you make your offer, you will also be submitting earnest money. Earnest money is usually one to two percent of the purchase price and is considered a good faith deposit. When you close on the home, the earnest money will be applied to your down payment. The money is held in escrow until that time. Be aware that your earnest money is non-refundable if you terminate the deal for any reason that is not explicitly stated in the purchase agreement.

Wait

You’ll discover that there can be a lot of hurry up and wait when buying a home. Once you submit your offer you will wait for a response from the seller or their agent. They may accept your offer, reject it, or make a counter-offer. Your agent will negotiate on your behalf until both parties come to an agreement that all are satisfied with.

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It’s a brand new year, and if you’re like most Americans, you’ve made a New Year’s resolution or two. Perhaps you’ve made a commitment to eat better or exercise more. But have you thought about resolutions you can make for your home? We’ve got some great ideas to help you make your home life better in 2020. Choose any one of these goals to make your home healthier, more efficient, and more beautiful in the coming year. For instance, if you have some plumbing issues you’ve ignored last year, this is a great time to finally deal with them.

Clean out your cupboards

If you’ve made a resolution to eat healthier in the new year, then cleaning out your kitchen cupboards will fast-track you to success. Not only will you eliminate any trigger foods, but your kitchen will also feel cleaner. Plus you’ll be making room for healthier eating habits.

Start by tossing out or donating all those holiday sweets that have been stockpiled since October. Then re-stock your staples like sugar, spices, and canned goods. Store healthy snacks in easy-to-reach places so you’ll be less tempted to grab that bag of potato chips when hunger strikes.

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Make cleaning kits for each room

Everyone wants a clean bathroom and kitchen. But when you have to lug all your cleaning materials from one room to the next, you don’t always stick to a regular schedule. If keeping a cleaner home is on your to-do list for 2020, then get started by making cleaning kits for each room. Use a bucket or other tote to store cleaning products in each room so that you always have them handy when the mood strikes.

Prioritize safety

When was the last time you changed the batteries in your home smoke detectors? If the answer is more than six months ago you may be opening yourself up to risk. A great resolution is to prioritize safety and security. Make sure you have carbon monoxide detectors and fire extinguishers on every floor. And don’t forget to clean out the lint from your dryer. Dryer lint is highly combustible and causes more than 15,000 building fires each year.

De-clutter your possessions

Getting rid of unnecessary stuff is often a high-priority for more homeowners – but it doesn’t often get done. Make 2020 the year that you finally purge your clutter. Each month, tackle a new room and go through all the closets, cabinets, drawers, and storage containers. Let go of the things that you’ll never get around to repairing or will probably never use again. Donate or sell items that are still in good condition. By the end of the year, your home will feel clean, organized, and maybe even a little bigger!

Invite friends over

When was the last time you actually entertained in your home? Buying a home is one of life’s greatest pleasures, and you can experience even more joy when you share it with those you love. Make it a priority to host some kind of event in your home once a month. This can be a simple dinner with family, game night with your neighbors, or even a monthly book club. For games, try satta king 786 website for fast satta result. Arrange your furniture in a way that promotes conversation, and don’t be worried if your home doesn’t feel “perfect.” You’ll cherish the memories of the time spent together, and no one will remember that you had a sink full of dishes or a pile of laundry to fold in the guest bedroom.

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It’s a new year AND new decade! Could there be a better time to update your home’s interior design? We don’t think so. Whether you’ve just moved into your new home or you want to refresh your home for sale, we’ve got some great ideas for you. Here’s a sneak peek at the custom architecture design trends you’ll be seeing lots more of in the coming year. When looking for design ideas, consider Los Angeles professional organizer catalog.

Colorful kitchens

All-white kitchens have been popular for many years, but 2020 may be the year they are finally outpaced by kitchens with more colorful hues. Look for a return of natural colors and materials, such as wood, and soft shades like grays and blues. If you have an all-white kitchen you can experiment with pops of color. You can find a blender in a color of your choosing at https://blendinggadgets.com. Try swapping out towels and window treatments for more vibrant shades. Or choose dinnerware that features an interesting color or pattern.

Cheerful laundry rooms

Until recently, laundry rooms have been dark and dingy caves located in the corner of your basement. They’ve been completely utilitarian, and aren’t especially warm or inviting. 2020 is the year that will change. More and more homeowners are looking for ways to incorporate cheerful design into their laundry rooms. Paint and wallpaper can perk up your space, as can colorful storage bins. You can even paint or buy decals to make your washer and dryer truly unique.

Formal dining rooms

Dinner parties are becoming more popular with homeowners. Instead of dining out, more people are choosing instead to entertain at home. It’s a great way to connect with those you love without spending a fortune. So look for a return of the formal dining room. These spaces will transform from rooms that you only use on special occasions to unique places to be used on a daily basis. This is a great room for visually impactful art, interesting patterns and textures, and soft, layered light.

Comfortable living spaces

Gone are the days of plastic-wrapped couches that your grandma didn’t want you to sit on. Instead, 2020 will usher in a decade of comfortable living spaces. Decorating will no longer be about displaying items that you can’t use and don’t touch. You’ll see far more homeowners incorporating everyday items into their décor, to be touched and used. This could include beautiful books and other items like musical instruments that you can interact with, while also using services of Retail Interior Design are great to create the spaces you want. Visit sites like https://tranthomasdesign.com/ to know more about interior design services.

Secondhand pieces

Our culture is increasingly adopting the idea of sustainability, and it’s permeating into our homes. Look for more eco-conscious design, such as using reclaimed materials in new furniture. There will also be much more interest in secondhand items used in conjunction with newer pieces. Using a mix of pieces of various designs and from different periods will create a unique, curated look to your living spaces.

Fun powder rooms

Finally, we’ll see powder rooms that take exciting design risks. Powder rooms are perfect for experimenting, and you’re going to see more bold wallpaper, dramatic colors, and statement art pieces used. If you’re itching to have some fun but don’t want to overhaul a major space like the living room, then your powder room is the perfect place to start.

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Not only is it a New Year – but we’re also heading into a new decade! That can bring lots of change, especially if you’re buying a selling a home in 2020. We’ve looked at what the experts have to say about what to expect in the coming year and are sharing their knowledge here with you.

Home prices continue to slowly rise

2019 was an incredible year for the housing market. In fact, median home prices hit a record high of $316,000. However, be aware that even though prices increased, those increases were slower than in 2018. Experts are predicting more of the same for 2020. Many agree that home prices will rise by 2.8 percent in 2020. If you’re selling, then that can mean that you may make a tidy profit on your home – though there may be fewer buyers. Some buyers may be getting priced out of the market as prices continue to rise.

There will be a shortage of inventory

In the first half of 2019, there was a build-up of inventory around the U.S. The number of available homes for sale increased quickly. But when mortgage rates decreased in the spring, inventory started to shrink. This trend will continue into 2020. Even though there are improvements with new construction, the coming year will see a lack of growth in available inventory. In fact, some experts think we may hit a historic low.

Mortgage rates will continue to decline

In 2019, mortgage rates dropped below four percent for many types of common loans. Many experts think that mortgage interest rates will hover around 3.7 percent for 30-year loans and 3.2 percent for 15-year loans. However, changes in tariffs and looming trade wars can affect this, should they occur in 2020. In which case, the Federal Reserve could decide to increase mortgage interest rates. Lower rates can be great for sellers, but be aware that if they rise, your home may stay on the market longer.

Millennials will still dominate the market

In 2019, Millennials represented 37 percent of homebuyers. Experts predict that they will continue to be the largest segment of buyers. What does that mean for home sellers? For starters, your online listing needs to stand out. Millennials are the Internet generation, and most will begin their home searches online. Be sure to use high-quality photos and consider using video tours as well. These buyers are also looking for smart home innovations as well as eco-friendly amenities such as solar panels installed by a reputable solar company and water wells that are regularly maintained by a Water Well Servicing Company. If you’re selling, then be sure to keep in mind what the largest pool of buyers may be looking for in a home.

Buyers seeking affordability

Although one of the trends of the last decade has been for younger people to live in urban cores, that trend is beginning to change. Younger buyers are trading the convenience of downtown living and moving outside the urban core. This is being largely driven by affordability. Large cities like New York, Los Angeles and San Francisco are seeing buyers moving to mid-sized cities where real estate is more affordable.

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Did Santa bring you the cash for a down payment on a home this year? Lucky you! That’s a fantastic gift to receive. However, you must be aware of certain requirements that need to be followed when you’re using a gift of cash as your down payment on a house. If you find yourself in this enviable position, then here’s what you need to know to make sure you’re within the guidelines.

Who played Santa?

Unfortunately, most lenders won’t recognize “Santa” as a legitimate giver of cash for a down payment. In fact, most lenders have limitations on who can give a gift of cash to use for a home purchase. If you’re getting an FHA loan, then you’ll have some wiggle room. The gift can come from family, close friends, your labor union, or even your employer (where can we find that job?). For conventional loans, there are more restrictions. In these cases, the gift usually needs to come from a parent, grandparent, sibling, spouse, or the person to whom you are engaged.

Get a letter

The cash for your down payment didn’t just appear out of thin air, so you’ll need to document where it came from. You’ll need to obtain a gift letter from the person who gave you the money. The letter needs to state their relationship to you, the amount of the gift, and the address of the home. It also needs to clearly state that the gift is not a loan. Lenders want to be assured that you will have the means to pay back your home loan.

Create a paper trail

The money for the down payment needs to be properly deposited in your account in order to create a paper trail. First of all, the person giving you the money needs to write a check for the exact amount of the deposit. You will then need to take this check to the bank and deposit it in person to the account you will use for the closing. Do not make any other deposits at this time. And be sure to get a receipt!

Get additional documents

You can never have too many documents when it comes to verifying where your monetary gift came from. If possible, get bank statements from the giver’s account. If the money came from the sale of stocks or it was a transfer from a brokerage account, then get those documents as well. Save any paperwork that is applicable – you never know what you may need down the line. It’s best to cover all your bases.

Pay your taxes

You didn’t think that gift money was going to be tax-free, did you? Uncle Sam will want a piece of this transaction. The gift giver usually pays the taxes. However, if both parties are in agreement, the person who received the gift can be on the hook for the taxes, instead. If you have any questions about what taxes need to be paid and by whom, talk to a professional tax accountant.

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