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If you’re selling to a buyer backed by an FHA loan, your home must clear an FHA appraisal for the loan to close. The FHA appraisal determines a property’s market value and ensures that the property meets the U.S. Department of Housing and Urban Development’s (HUD) minimum property requirements. For context, the Federal Housing Administration created the FHA loan program to help more Americans afford houses with government-insured home loans that are easier to qualify for than most conventional loans. Borrowers can qualify for an FHA loan with a credit score as low as 500 with a 10% down payment,...

Illustrations by Daniele CastellanoSunday mornings, for wedding planners, are reserved for prayer. Not because it’s a particularly pious profession but because that’s the day when clients who were married on Saturday figure out if they’re happy or not. Should they choose unhappiness, Sunday is when they decide whom to blame. And Monday is when the emails come.I say “decide” because weddings are funny affairs—tense, expensive, fraught with emotion. They are revisited—by the couple, by the family, by the person paying the bills—time and again. They mark the beginning of a couple’s new life but sometimes of other things too: family...

A dual monitor mount, most importantly, gives users the ability to use multiple displays rather than just one. They give you the option to move and adjust to fit your specific needs. I bought some of the most popular dual monitor arms on Amazon to see if they live up to their high ratings. Need help? Get our Free Office Chair Buying Guide! Get The Guide Full Disclaimer: We are an office furniture dealer and sell some of the products we review. To learn more about the products we sell, our review process and why you can trust us, please...

[ comments ] Peter Singer is one of the world’s most influential living philosophers, whose ideas have motivated millions of people to change how they eat, how they give, and how they interact with each other and the natural world. Peter joined Tyler to discuss whether utilitarianism is only tractable at the margin, how Peter thinks about the meat-eater problem, why he might side with aliens over humans, at what margins he would police nature, the utilitarian approach to secularism and abortion, what he’s learned producing the Journal of Controversial Ideas, what he’d change about the current Effective Altruism movement,...

Driving up and down the Jersey Shore shortly after the end of World War II, hauling laundry along New Jersey Route 35 from Point Pleasant Beach to Seaside Heights, Fred Pearl and Ed Patnaude dreamed big. With the war over, here was their chance to turn sparsely developed ocean-view land into communities of vacation homes like the suburban tracts with modest, single-family homes springing up across the country. If they could get a bit of money together, they could build little cottages for the average working person—cop, baker, butcher and returning GI. One by one, the banks all turned them...