Does the average American really put down 20% on average on a home? Real Estate |
- Does the average American really put down 20% on average on a home?
- Eviction threat
- Parents have small rental house (worth maybe 80k), needs to have septic tank replaced (6k), but city is demanding they connect to the sewer nearby which will cost 25k, help!
- My realtor sent us hard-copy docs with some pieces of a contract from another buyer/seller. Is this no big deal or kind of a red flag?
- Best success for appealing property tax?
- Best friends would like to "buy" our home in a rent-to-own situation. How to proceed? (TN)
- What to know about foreclosures?
- Paying Downpayment & Closing - Put Fiance on the Deed?
- Hi /r/RealEstate! Videographer here. Would you pay for my services?
- Buyer’s lender is asking for our last mortgage statement.
- Can I nullify a contract with a property manager?
- First time seller questions [Condo - PA] xpost
- First time homebuyer having issues with appraisal, Georgia[long]
- Attracting buyers
- Is it weird to rent a room in a shared student house?
- Buying a home. Three lenders gave me cost to closing fee worksheets. They all have wildly different methods of calculating it all. Is there an accepted resource for me to use to determine how they all match up together? First post here, seeking advice before upvotes.
- [CA] T-12Hours: Real Estate Bait and Switch? (x-post from /r/legaladvice)
- Is the market going to tumble again?
- Considering building an Accessory Dwelling Unit. Anyone have experience? Costs? Gotchas? (IA) (x-posted r/realestateinvesting)
- Tips on studying for CA license Exam?
- What questions would you ask a First Time Homebuyer panel?
- Considering owner financing...help!
- TX house auctioned 4/3 next tues. questions.
- Condo Owner wants Hoa to pay for plumbing improvements
- How common is intentionally ruined plumbing/other sabotage in foreclosures?
| Does the average American really put down 20% on average on a home? Posted: 26 Mar 2018 08:06 PM PDT I've read that the average down payment on a house is 20%, but I just find it hard to believe that when the average house price in the US is $200,000 and the average household income is $60,000 that the average home buyer has $40,000 saved for a down payment. Am I way off here? (US) [link] [comments]  |
| Posted: 26 Mar 2018 03:59 PM PDT Today I received a letter from the lawyer of the mgmt co/co-op board taped onto my door. It said that unless I cure the excessive "adult noises" coming from my unit in ther next 30 days, I will be evicted. What should I be doing right now? Background: I own my unit. I work 5 days a week, leaving at 5:45 every morning. Six months after person upstairs moved in, I got a text saying that they could hear me having sex. Being a normal person, I was very embarrassed and apologized . I did feel bad! In the subsequent months, upstairs neighbor would aggressively stomp on the floors, actually shaking my ceiling fan, when they thought they were hearing sex. In all honesty, nothing was happening most of those times (example: I was in bathroom when FedEx guy starts knocking at my door and I yelled "I'm coming, I'm coming!")! And of course I've had my bf over once in awhile (he lives in another country so it's not very often that we see each other) but we're respectful ppl and we don't make a lot of noise. I'm not completely innocent here, but the stomping far outweighs any actual sex happening. Over the summer the neighbor saw me in the parking lot one day and started yelling at me "you're disgusting, you should be embarrassed at your behavior", etc. I have PTSD so I can't have that kind of aggression around me and I walked away. I wrote a letter indicating that I don't respond when yelled at, and since we both purchased or units, we're probably not moving anytime soon so can we please try to work together to figure out what the issue is? They wrote back and in so many words told me to fuck myself. Three months after that I received a letter from the mgmt co saying that my behavior is creating a hostile living environment for my neighbors. I emailed mgmt co explaining the above and flat out said "I don't understand what's going on... I'm willing to buy a decibel meter, could you just tell me what the acceptable range is?". No response. And of course today this letter. What should I be doing? I'm really flustered and I can assure you that this isn't helping the depression and anxiety that accompany my PTSD. I'm just so confused!!! Help please!! This is in NYS [link] [comments]  |
| Posted: 26 Mar 2018 02:38 PM PDT [NEW YORK] Hi all, My parents have a rental which is a small house on a plot of land near a main street. Nothing fancy, it's worth maybe 80k or so. It's always been on a septic tank, but it needs replacing which would cost around 6k, but the city apparently wants them to connect to a sewer which will cost 25k! They can't afford this right now, and this kind of feels unlawful. Is there anything we can do? Appealing to you guys for help! My parents are old and I don't know anything about this kind of stuff (college student here) [link] [comments]  |
| Posted: 26 Mar 2018 04:04 PM PDT FTHB in CO. We are under contract and have been completing oodles of paperwork with our realtor and the sellers. I just got a packet of hard-copy papers with most of our docs (not sure if it's all of them) and a few thrown in from a different transaction with different buyers and sellers. The contracts have some personal details and quite a few details about the transaction. I have no way of knowing if some of our docs got printed and mailed out to other clients. I'm kind of obsessed with not having my personal info shared more than it has to be, so I'm trying to figure out if this feels bad because I don't like my own info shared or if this is actually a bad mistake on the realtor's side. Are contracts supposed to be kept under wraps or is it just no big deal if papers get swapped around like this by accident? FWIW, my realtor's reaction was, "whoops, just throw those away ((not even shred?)) and I'll make sure they get to those clients." [link] [comments]  |
| Best success for appealing property tax? Posted: 27 Mar 2018 04:30 AM PDT Are appraisers necessary / helpful for appealing property tax? Any advice on appealing property taxes for those that have done it? I'm in NJ [link] [comments]  |
| Best friends would like to "buy" our home in a rent-to-own situation. How to proceed? (TN) Posted: 26 Mar 2018 01:55 PM PDT Hi everyone, Recently my husband secured a job that requires him to go to Oklahoma for training from April through July, and then he will be placed at a position, though we won't know until early July where we will be going (could be pretty much anywhere in the country). In that time when he's training, I would need to list and sell our home and make sure I can get myself and our 4 dogs to the new city. Recently our best friends brought up an idea - they are looking to upgrade and they really like our house! They were hoping to enter a rent-to-own situation, which would help me greatly because: 1.) I love them, and want them to be happy. 2.) I love this house, and I know they will care for it. 3.) I have pretty severe anxiety and I'm not sure I can sell the house by myself. Has anyone else been through this? What are the pros and cons? I would love to help my friends out. I know we need to draw up a contract and get lawyers involved to protect both parties. With this, I can leave so much of my stuff and not have to worry about selling it or giving it away. I know we will be back to visit, so we'll see them often. It seems like the perfect idea, and I'd really like to make this easy on myself. Any insight is appreciated! Thank you! EDIT - It seems like the better way to go would be to ask them to get their families to help them out with a traditional sale. That way we aren't sticking our necks out and potentially ruining the friendship / our ability to purchase or rent a house in the new city. We will likely give them a discount to buy the house rather than do the rent-to-own thing. If that doesn't work, it's probably in our best interest to list the house like we would have normally. [link] [comments]  |
| What to know about foreclosures? Posted: 27 Mar 2018 03:53 AM PDT Looking to buy a home and I'm noticing some foreclosures listed for considerably lower than similar houses for sale. What is the explanation for that? [link] [comments]  |
| Paying Downpayment & Closing - Put Fiance on the Deed? Posted: 27 Mar 2018 03:44 AM PDT Hey all - I'm facing a slight dilemma. My Fiancé and I have been searching for a home to purchase so that we have a place to live together after our Wedding in November. We happened to find a place that we both like. We put an offer on it and it was accepted. I will be paying 75k down on my own, plus the closing cost which will be around 10k. My mother would also be gifting us 10k towards the house. My fiancé doesn't have much in savings due to recently paying off her school loans. Now on the other side of things, her mother has been paying deposits for Wedding related stuff (hall, limos etc)... and my mother had agreed to contribute up to 20k in towards the overall Wedding. Here's where things get sticky. Even though our relationship is fine and dandy at the moment, I'm not willing to put my Fiance on the deed, mortgage etc until we are married in November. I feel that my life savings is going towards the house, so if things we're to go south before the Wedding, she wouldn't be able to say the house is hers. We had a blowout yesterday and it seems that she MIGHT agree to the terms if I agree that my mother pays her mother half of what she's already paid towards the wedding if things go south, 'to protect herself as well'. Note that I wasn't into having a big wedding at first and suggested numerous times that the money could go towards a downpayment. What do you guys think about this? Am I doing the right thing here by sticking to my guns? I understand that I can't expect her to contribute towards paying the mortgage if her name isn't on anything and I mad it clear to her that she would still need to contribute SOMETHING if she'd like to live there with before the Wedding. Home would be in NJ (required). [link] [comments]  |
| Hi /r/RealEstate! Videographer here. Would you pay for my services? Posted: 27 Mar 2018 03:23 AM PDT [Can] I'm looking to jump into more niche markets with videography. Events and weddings are saturated, and doing corporate interviews is dreadfully boring. Here's an example: https://www.youtube.com/watch?v=tETU6WQsB_E I pulled this video at random. Of course the video can be customized to the realtors liking. I have a metric **** ton of data on the insurgence of video as a marketing medium, and the stats are very promising. I can post some if ya'll are interested. I can animate text into the videos, so it displays important information over the shots. I can CC the videos, so it can discuss more in depth what the realtor may want to say about the video. CCing the video will also allow for more unique keywords to be picked up by google searches. I can also offer realtors more information about their demographic, and who is watching these videos. In this age, video is becoming king, and at least in regards to my local realty market, print and photography are the chosen mediums. The idea behind these types of realty videos is selling lifestyle. I wouldn't be using any actors (as it projects a certain type of person onto the property, and I would like to keep that broad), though I may use a dog to run around in front of the camera. These videos are meant to romanticize and elate feelings that increase the chances of people buying. I may also incorporate 360 videos as well, so a potential buyer can scroll around the house at their leisure. I would really appreciate some criticisms about why this wouldn't work, or why this is unattractive to realtors. One of my friends mentioned that realtors want to get people into the house so they can talk to them, and this might hinder them from coming to see the space if they've seen it all in the video. I'm not sure I agree that the potential buyers wouldn't come visit if they've seen everything in the video already. I do agree that a realtor obviously wants to be talking in person with the potential buyer So how about it /r/RealEstate, would you buy this type of service? [link] [comments]  |
| Buyer’s lender is asking for our last mortgage statement. Posted: 26 Mar 2018 08:15 AM PDT [SC] Our buyer's lender is asking for our last mortgage statement. The request came in the form of an email to the buyer that was forwarded to me. I contacted the closing attorney and they have never heard of a request such as this. They are doing some checking. Have any of you ever heard of this? [link] [comments]  |
| Can I nullify a contract with a property manager? Posted: 26 Mar 2018 12:41 PM PDT Has anybody had any experience with getting out of a contract with a property management company? I rent out a house I own in Baltimore, MD and have a company manage it for me. Recently the managers failed to tell me they were raising the price of the rent, failed to tell me that the tenant was not renewing their lease, and haven't answered any of my emails for 2 weeks now. I would think this is grounds for me to be able to terminate the contract immediately, but the contract states that I am supposed to give them 90 days notice prior to termination of the contract . Any advice? [link] [comments]  |
| First time seller questions [Condo - PA] xpost Posted: 26 Mar 2018 08:23 PM PDT |
| First time homebuyer having issues with appraisal, Georgia[long] Posted: 26 Mar 2018 02:21 PM PDT Location: Georgia, US Disclaimer: I am in my emotions right now and have had wine. My fiancée and I put in an offer for our first pick home on March 2nd. We have been approved for our FHA loan, and our financial is complete and due diligence is over. This process went very smooth, as my fiancé has been in the real estate business for 12 years. He was never a typical agent, has always been a staff member for a large company in our area. He did REO during the recession so has experience with the agent listing process. However, I am a restaurant manager and have NO experience with this. And as a first time homebuyer, he is not the best at explaining it all as he was used to banks and investors. Our agent is wonderful (a friend of his and top ranking in the state), but I have no patience and need additional reassurance throughout this whole process. Thus far, it has been smooth, inspection went better than planned, amendment to repairs was accepted with a payment at closing as expected... until the appraisal for our FHA loan. When we received the first report I was upset by the appraisal amount, we both thought the home would appraise for at least 175K, however it was 170K. But after reviewing the document there were many, MANY issues with the document: 1. The street number on the cover page of report was incorrect. 2. The county listed on the pages with photos of the interior of the home was incorrect. 3. My fiancee's last name was incorrect. 4. There was an interior picture included as part of the home that was not a picture of the home. 5. The appraisal stated "No updates in the prior 15 years", however the kitchen has been remodeled, there is a new HVAC, new water heater, new windows, and the septic tank went out the day before the appraiser arrived and was replaced, so BRAND NEW septic system. (this issue happened after we went under contract so the seller is already out 5000) 4. Two of the comps were distress sales, one was uninhabitable and sold to an investor (after the agent called the selling agent for that home), the other was a distress sale because the back yard was a chicken farm. Our offer was 1000 over list, with closing costs (because of my fiancee's employment we will be getting a large discount and this was leverage that was greatly worth including with our offer). The home was on the market for 4 days with 41 viewings and over 10 offers (a "love letter" from me was what got us the acceptance). We received the "changes" today, all the at was fixed was the address not he cover page, that was it. The basics of the county and the name are still incorrect, along with all the other issues. Many people have tried to calm me, saying that this is an issue for the home seller: we know they are using the sale of this home to purchase their next home because the closing date had to be arranged to accommodate their other closing. HOWEVER, this is an issue for us as well, we are currently renting an apartment (we have come to hate) and cannot extend our lease as we have given a notice of termination of occupation, and they have rented the apartment. At this point I am livid with the appraisal, the actual number and the quality of the report. IFF the report was 100% accurate I would be on the side of the agent and the others in the business I have spoken with, that yes it is the issue of the sellers. However, after the reconsideration of value was submitted and we were given the "updated" appraisal the only thing that was corrected was the street number on the cover page. We paid to have this report done by a licensed professional, and I, not being in the business, was expecting a report with no errors. that's not what I got. I got a report FULL of errors, and a value that I think for this market and area is under valued. I don't know what to do at this point, I am livid in the incompetence of the appraiser, based on the quality of the report. I can only hope at this point that the sellers will sell at the appraised value. (I understand this puts them in a bind with their new home closing should they not lower the cost.) I just feel completely out of control of the issue and the only thing that will make me feel better about the issue is to do something, anything. I don't know what will happen at this point, I don't know what will happen with these sellers or the statistics of this occurrence. I just need real advice, form someone who is used to dealing with this stuff. I hate to bother the agent and overwhelm him, even though he is making money it is lees than his normal commission because he was referred by my fiancé who will also be making the referral commission on the sale. Neither one seem concerned with the income this sale makes them. I just need to be talked off the ledge of doing something stupid of contacting the appraisal company and bitching them out, or finding the sellers and begging them. I'm just very emotional at this point. I'm at a loss of something to do and just sitting back and waiting and stewing in my emotions is not working. I'm mad, and this may just be a rant, but something is better than nothing. [link] [comments]  |
| Posted: 27 Mar 2018 01:36 AM PDT Hey peeps, So as many of you know, I am a new agent, and I was pondering on a marketing technique to reel in some potential buyers/sellers. I remember when we were selling our home, our Agent was a close friend of ours, and she agreed not to take a hefty commission because it was a very expensive house (5 million). She gave back some money to us because she was nice like that. I was wondering if I can do the same? Like offer a rebate or gift to my prospective clients if they buy or sell with me, so that I won't take the entire commission proceeds, and give them a (return). Let me know if this is possible, I am a California agent. [link] [comments]  |
| Is it weird to rent a room in a shared student house? Posted: 26 Mar 2018 07:38 PM PDT My lease ended a couple months ago and I'm living with my parents until I find a house.. but I can't find one, and don't want to live with my parents. Rent where I work is disgustingly high (Ann Arbor, MI) and I saw some postings for shared student housing for 1/3 the price but I'm a 26 year old man that'll be living with 2 other probable females. I assume it's frowned upon at best, but what if I find one with other males? Is that considered okay? I don't know anything about university life. [link] [comments]  |
| Posted: 26 Mar 2018 07:33 PM PDT hello RealEstate Sub! so, interest rates are the same, but APR, various costs, est monthly payment, all differ. I do understand that there are estimates built into the costs, but the terminology of each broker is different, making it difficult to see how the various charges match up. is there any (well accepted) resource i could use to get it all straight? Thank you in advance! [link] [comments]  |
| [CA] T-12Hours: Real Estate Bait and Switch? (x-post from /r/legaladvice) Posted: 26 Mar 2018 09:39 PM PDT I'm in Los Angeles and just had my offer accepted on a first home last week. That night I couldn't sleep and I looked up the property on the city's various websites. I learned that the permits for the addition were not finalized. The work was completed about a month ago. Additionally the Certificate of Occupancy is "On Hold". Both of these are deal breakers for me, I won't move into this home with these issues outstanding. I communicated this to my agent over the weekend and again today on the phone. I was told that even though our purchase agreement stipulates that the home is sold "as is" that until we move through four phases (Buyer's Due Diligence, Loan, Appraisal, Seller's Disclosure) I can still get out of the deal because of this issue and get my deposit back and that I should fund the escrow ASAP. My earnest money deposit is due tomorrow (Tuesday) and if I don't wire the money the seller may drop me. Right now I have no skin in the game. I want an addenda that says the seller will finalize permits and have Certificate of Occupancy in hand for closing. I also want a penalty for the seller to not perform on time. My real estate agent is telling me everything will be fine and fund the escrow ASAP, but my spidey senses are tingling. I can't be on the hook for a property that I can't adequately insure or rent out. Is my realtor probably right? Is my realtor just stringing the deal along and doesn't care about losing my deposit? What can I do in one business day to get to the bottom of this? I don't think I can find a lawyer in town with immediate availability to consult me. I don't want to annoy my realtor or the seller with unconventional or over the top demands-- but I want to make sure I'm protected. The clock is ticking and I'm so out of my league on this one. I know so little about how this process works so I just need someone to trust. x-posts: https://www.reddit.com/r/legaladvice/comments/87fmwp/ca_t12hours_real_estate_bait_and_switch/ [link] [comments]  |
| Is the market going to tumble again? Posted: 27 Mar 2018 12:41 AM PDT I'm starting to see Facebook ads and radio spots promoting free seminars on how to flip homes with other people's money and "anyone can do it!". Last time I started noticing these the housing market crash followed not too long after. I'm not in real estate and I'm in a hot housing market (Portland OR) so I could be totally wrong, but is anyone else getting signals that were heading toward a crash again? [link] [comments]  |
| Posted: 26 Mar 2018 07:48 AM PDT We are currently looking to buy an owner-occupied duplex, however inventory is a bit low in our area. We've considered doing something like putting an ADU / Mother-in-law suite in the backyard of some other properties. Definitely willing to consider pre-fab or adding on to an existing garage etc. in addition to full on new construction.
Does anyone have experience with this? I'm not sure how to go about vetting this out for cost/zoning/loan eligibility etc. I feel the ADU would result in similar cash flows to an owner occupied duplex, but I'm not sure if I'm missing something. Thanks in advance. [link] [comments]  |
| Tips on studying for CA license Exam? Posted: 26 Mar 2018 07:16 PM PDT So I'm currently taking classes to prep for the CA license exam. There's alot of terminology being introduced so my current tactic is to just try and memorize as many definitions as possible, but I'm wondering if this is the best way to go about it? What kinds of questions, outside of terminology, should I be prepping for? Were there parts of the exam that made you think "ahh damn i wish i studied that part more"? [link] [comments]  |
| What questions would you ask a First Time Homebuyer panel? Posted: 26 Mar 2018 11:02 AM PDT As stated in the title. I am a moderator for a 'Housing 101' panel this evening. I have generated a list of questions, however, I am curious if there are some that you smart people might have asked before your first purchase. We have a buyers agent, selling agent, mortgage broker and a new home builder on the panel. The panel is taking place in Edmonton, Alberta, Canada. I think the questions can be generally universal sometimes, however. [link] [comments]  |
| Considering owner financing...help! Posted: 26 Mar 2018 03:13 PM PDT California. Got an owner-financed offer on my off-grid home for sale. Because it's completely off grid it's very difficult to get a bank loan. What do you all think of this deal? Buyer will put 30% down. He'll pay $800/month ($200 of that will go toward interest) and then at the end of 3 years he will pay off the entire balance. The guy has zero credit history. His credit report says "N/A". But he's putting a big downpayment. The property isn't getting much attention so it seems like I should take the offer. No clue though, would very much appreciate some guidance. [link] [comments]  |
| TX house auctioned 4/3 next tues. questions. Posted: 26 Mar 2018 10:42 PM PDT There is a property going to auction on the courthouse stairs at tues 4/3 startung 10 am. i have looked and there don't apear to be any leins excepot f0r a years worht of condo association leans -- that's 6 grand. the person has been in it for 10 + years, bought in 2008. there are no other leins against the property. If there is a second lein, thein it's from a line of equity lein. The person got sick, too sick to work and lost his job just at a year ago. Cannot work, and is on SSDI. That can't pay the HOA and the nmortgage and bills. So I'm ready to bid on it. It will probably go under market, because it will almost certainly need 10 years worth of updates. the HVAC is per unit (no big swamp coolers for the whole complex), it was built in 1970 and has recent ceiling and improveents to the grounds, and to the stairs, parking, and outside structues, pool. i could live there, i could fix it up and use it as a rental, but honestly, I just want to find some place to lease that is closer than where I'm at now. Should I do these thigns: Get a lein search (will it be able to be comprehensive and thorough by friday or next monday morn at earliest?) I don't really suspect more than a hoa lien, which is easily paid. It might even be paid down and/or paid off. The place is liveable, he's living there now, so it's not gutted. Gutted wouldn't be bad, save on moving out old stuff. There's only a limited number of things you can do and tops it would be 25.000 to fix down to the studs. As for me, I won't lose sleep over losing it. I'm not really looking for home of all homes, I'm juist looking for something where my rent doesn't go up every mohth. And also a great HOA that takes care of stuff that I have physical limitations to do, lilke mowing all the time and tinkering around on interior design. I want it gutted -- kitchen is small galley with bar overlooking living room. living/dining/bedroom are all plain square and can be bare minimum effort or full on wood /ceramic tile floors and backsplashes, new utlities and such. Comps for the condo in the complex are: trashed out being sold for 100000, tricked out selling for 150-160. Average for 120-130. If I can get this for 60-80 at auction + another say, 6-10 on any possible HOA leins, then does this sound like something to do? I'm able to pay cash and pull the tr5igger I am aware I probably won't get it, if it even makes it to the auction, and I won't lose sleep over it. "It will do" is my motto. and If I really hate it then hey, they rent for 1500 bucks a month in this outrageously overheated market and if we get amazon hq, then that shit will hit 3K before it's over with. It's just out of downtown in a gentrified area. Honestly I'm surprised it didn't get torn down and a mid rise put in. ' Provided all the things I said actually turn out to be true -- not trashsed, no major liens, no 2nd mortgage liens (dealbreaker), and no major issues, and flippers don't immediately bid it to higher than renovated units are going, then should I pull the trigger? Unless it's a huge red flag with a 2nd mortgage, a tax lein, or he hasn't paid hoa in a decade, i think i should probably give it a shot. sorry for so long. I think I'm ready to pull the trigger on auctions after studying for five + years. Goal is constant income in old age. [link] [comments]  |
| Condo Owner wants Hoa to pay for plumbing improvements Posted: 26 Mar 2018 06:25 PM PDT [Boston] The building is 30 years old. The unit owner has lived there for 12 years and is claiming his plumbing is interconnected with the neighbor and its disturbing him when they flush their toilet. A plumber suggested ripping open ceilings and running some new lines to the other unit. The quote says "locate crossed piping, fix crossed piping (if accessible)" Personally I don't understand what they are planning to do since its a shared water and sewer main for the building. My opinion is this is an existing situation, legitimate or not. The unit owner could have done an inspection but didn't. I don't think this falls under the responsibilities of the Hoa at this point. Our responsibility is to repair common areas when things break. If there was a leak it would be our issue. This isn't a failure, nothing is broken. Perhaps it's unpleasant but should all unit owners bear the cost to fix this? Thoughts? [link] [comments]  |
| How common is intentionally ruined plumbing/other sabotage in foreclosures? Posted: 26 Mar 2018 11:38 AM PDT Just curious. My brother is looking to buy a house, he's looked at a few foreclosed properties but has told me that people often do things like pour concrete down the pipes if they're angry about their house being foreclosed (upon?). One of the listings he was looking at pictures of had signs around all the sinks and toilets, which we couldn't read but took to mean that the plumbing wasn't working. Now, I've been looking at listings in another state my boyfriend just moved to and have seen a LOT of the same sort of signs in pictures of foreclosures, and I'm just wondering, how common is this? It seems to be pretty common just from what I've come across. Tldr: How common is sabotaged plumbing/etc by angry homeowners in foreclosures? [link] [comments]  |
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