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Nestled in the heart of Virginia, Richmond serves as a living testament to America’s past, with its well-preserved architecture and historic landmarks. From its role in the American Revolution and the Civil War to its thriving arts and cultural scene, Richmond has a rich heritage while embracing the present. But what else is Richmond known for? In this Redfin article, we will guide you through the ins and outs of the city according to the locals. Whether you’ve lived in the city for years or you’re looking for homes for sale or apartments in Richmond, read on to learn more about this vibrant city.

1. Low cost of living

Richmond, VA is gaining attention for its attractive and affordable lifestyle, with reasonable housing costs, a median sale price of $385,000, and lower rental rates than neighboring cities. The cost of living in Richmond is 3% lower than the national average and 13% lower than in Alexandria, making everyday expenses, dining, and entertainment more manageable. Richmond’s affordability and diverse amenities attract individuals and families seeking a high quality of life without breaking the bank. 

2. Bustling neighborhoods

Richmond, VA is known for its charming cityscape with bustling neighborhoods that blend history, culture, and modernity. Each neighborhood has its distinct charm, creating a diverse and engaging urban experience.

“Weekends are so fun in Scott’s Addition neighborhood,” shares local family photographer Jacqueline Burns. “Bouncing between breweries, wineries, and arcade bars, I always enjoy taking in live entertainment at the city’s many live music venues. I especially love visiting Maymont Park in spring to enjoy nature and wildlife. The area offers big-city entertainment with a small-town vibe and is a great place to raise your family.”  

3. Virginia State Capitol

Richmond, VA, proudly holds the distinguished title of the state’s capital, a position it has held since 1780. As Virginia’s political and administrative center, the city plays a vital role in shaping the state’s governance, legislation, and history. The Virginia State Capitol, designed by Thomas Jefferson, stands as a symbol of Richmond’s significance in American democracy and history, having witnessed key events such as Patrick Henry’s famous “Give me liberty or give me death” speech during the American Revolution.

4. Vibrant downtown

Steeped in history, the downtown area seamlessly blends the old with the new, offering a captivating mix of architectural marvels, modern high-rises, charming cobblestone streets, and plenty of things to do.

Tony Greene, a local portrait and landscape photographer, adds, “You can enjoy your day in Richmond driving around looking at murals painted by local artists, grabbing lunch in any one of our fantastic local restaurants, enjoying freshly brewed craft beer, and finishing the day off watching the sunset over the James River from just about any perch in the city.”

5. Delicious cuisine

From mouthwatering barbecue joints to trendy farm-to-table restaurants and international eateries, Richmond’s food offerings cater to every palate, making it a food lover’s paradise.

Xiaoqi Li, a local wedding photographer, says, “Richmond has such a vibrant food scene. A recent favorite of mine is Jubilee. You can’t go wrong with anything they offer, whether shrimp and grits at brunch or scallops and roasted chicken at dinner. The bartender also makes the best mocktails and cocktails alike, so everyone at the table will love every part of their meal.”

6. Thriving art scene

The city’s passion for the arts fosters a vibrant and inspiring atmosphere that attracts artists and art enthusiasts from all over, from a diverse array of galleries and street murals to art festivals and community events.

Sara O’Connor, a Richmond artist, shares their perspective of the art community, “Richmond is well-known for creating and supporting thriving artists through direct-to-consumer sales and boutique shops like Pop of Confetti.”

7. Great location

Richmond, VA is known for its exceptional location, strategically positioned in the heart of Virginia, making it a convenient hub for travel and commerce.

“Not only are we rich in history, but we are perfectly central to all the surrounding hot spots,” shares Nicki Metcalf, a wedding, engagement, and portrait photographer. “DC is two hours away, the Blue Ridge Mountains are 1 hour away for a hike, and want to swim in the ocean? Virginia Beach is 2.5 hours away. You can’t go wrong; this city has everything.”

8. Renowned museums

Richmond, VA is renowned for its wealth of history, art, and culture. The city’s museums offer a deep dive into various facets of American and Virginian heritage, making it a cultural hub for residents and tourists.

“In the museum district lives the Virginia Museum of Fine Art, which has tons of permanent collections – which are free to see,” says Tina Thomas, a local brand and headshot photographer of Tina Take My Photo. “Richmond also has “RVA First Fridays,” a monthly celebration of art, community, and culture along the arts district downtown. In the West End, the Glen Allen Cultural Arts Center is another place to celebrate visual and performing arts.”

9. James River

The James River flows gracefully through downtown, offering a picturesque backdrop for residents. The river’s presence provides abundant outdoor activities, from kayaking and paddleboarding to hiking and cycling along its scenic trails. Belle Isle, a natural oasis within the river, allures adventurers with its rocky terrain and serene beauty. Furthermore, the James River Park System, a collection of parks lining the riverbanks, offers a sanctuary for nature enthusiasts and urban explorers seeking tranquility amidst the city’s hustle and bustle.

10. Richmond International Raceway

The Richmond International Raceway, widely known as RIR, holds a prominent place in the world of motorsports and entertainment. As one of the premier NASCAR venues, RIR attracts racing enthusiasts from all over the country. Thrilling short-track racing, where drivers navigate the high-banked turns and exhilarating straightaways, creates an electrifying atmosphere that captivates fans and drivers alike.

Source: redfin.com

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Apache is functioning normally

If you live in Indiana, there’s a very good chance you either got your home loan from Ruoff Mortgage, or at least considered them if you’re a homeowner.

After all, the company managed to originate nearly $3 billion in home loans last year, with roughly $2 billion coming from the Hoosier State alone.

They’ve even got an IndyCar with Ruoff Mortgage plastered along the front and sides of the vehicle, and the naming rights to the Ruoff Music Center, the largest outdoor music venue in Indianapolis.

So it’s clear they’re laser-focused on a certain region of the country, as opposed to trying to tackle the nation as a whole.

This has proven to be a successful model as they are now one of the top mortgage lenders in the nation, and #1 in Indiana.

You may also want to check out First Internet Bank of Indiana if you live in the Hoosier State.

Ruoff Mortgage Fast Facts

  • Independent direct-to-consumer mortgage lender
  • Founded in 1984, headquartered in Fort Wayne, Indiana
  • Employ nearly 1,000 workers across 70+ branches
  • Ranked the #1 mortgage lender in Indiana
  • Now the “Official Mortgage Partner of NASCAR”

If you’re wondering where they got their name from, they were originally known as the Dave Ruoff Mortgage Co., after founder David Ruoff.

They later changed the company name to Ruoff Mortgage, and today employ around 1,000 employees across some 70 branches.

As noted, they are highly-concentrated in the Midwest, with another $500 million in volume coming from nearby Ohio and Michigan, leaving a small amount of business scattered across remaining states.

They are also big on home purchase lending, with such loans accounting for nearly 75% of overall volume.

The remainder came from refinance loans, including rate and term and cash out loans.

Ruoff Mortgage also operates two sister companies, Centurion Land Title (title insurance) and Accucomp Appraisal Services (home appraisals).

At the moment, they are licensed in 46 states and D.C., with Alaska, Hawaii, Nevada, and New York the exceptions.

The company is big on partnerships, and has 50+ at last glance, including NASCAR, the Indianapolis Colts, Andretti Autosport, the Cincinnati Reds, and the Columbus Blue Jackets.

Their latest venture is signing on to become MLS club Charlotte FC’s Official Mortgage Company.

How to Apply for a Home Loan with Ruoff Mortgage

  • They offer a digital mortgage experience known as Loan Butler
  • Allows you to apply for a home loan via smartphone, tablet, or computer
  • You can order a credit report, digitally verify income/employment, and upload documents
  • Those purchasing a home can also generate a pre-approval letter on the fly in 10 minutes

Ruoff Mortgage offers a digital mortgage solution known as “Loan Butler,” which lets you complete most of the loan process from your smartphone, tablet, or desktop computer.

You’re able to initiate a credit check on your own to view your credit report and credit scores, digitally verify assets, income and employment, upload documents securely, and eSign disclosures.

Once your loan is submitted, you’ll be able to log in to the loan portal to check loan status, see so-called milestone updates, and/or get in touch with your loan officer.

In terms of selecting a loan officer, they have a directory on their website that allows you to search by name or location.

So you can find someone nearby, or check out individual reviews first, then make contact with the loan officer of your choice.

Those who just want to get started can simply fill out a short contact form on their website, at which point someone will reach out to help you begin the application process.

You can also call or email them at any point if you have questions or need more hands-on assistance.

They also say they’re fast, with the average loan going from submission to clear-to-close in just 17 days.

Lastly, they claim you’ll only spend about 10 minutes at the closing table when it comes time to fund your loan thanks to Ruoff’s Digital Closing Experience.

All in all, they appear to offer the latest technology along with experienced loan officers who can provide pricing and guide you through the loan process.

Loan Programs Offered by Ruoff Mortgage

  • Home purchase loans
  • New construction loans
  • Renovation loans
  • Refinance loans (rate and term, cash out, streamline)
  • Conventional loans backed by Fannie Mae and Freddie Mac
  • Government-backed loans: FHA/USDA/VA
  • Jumbo home loans that exceed conforming limit
  • Fixed-rate and adjustable-rate mortgages with various loan terms

Ruoff Mortgage offers all the major home loan types you could ask for, including home purchase loans, home construction loans, home renovation loans, and refinance loans.

They’re available on all property and occupancy types, including single-family homes, condos/townhomes, multi-unit properties, and primary, vacation, or investment properties.

So whether you’re buying a fixer-upper or refinancing an existing home loan, they should have you covered.

When it comes to renovation loans, they offer Fannie Mae HomeStyle, FHA 203(k), or a VA loan option.

If refinancing, you can do a simple rate and term refinance, or pull equity via a cash out refinance. It’s also possible to apply for a streamline refinance, such as an IRRRL.

They offer conventional loans backed by Fannie/Freddie, government-backed loans such as FHA loans, USDA loans, and VA loans, and jumbo home loans for loan amounts above the conforming limit.

In terms of loan type, you can get a fixed-rate mortgage with a 15- or 30-year term, or an adjustable-rate mortgage such as a 5/1 ARM or 7/1 ARM.

Ruoff Mortgage Rates

One slight negative to Ruoff Mortgage is the fact that they do not publicize their mortgage rates, so we’re in the dark when it comes to loan pricing.

The same goes for lender fees, which don’t appear on their website. It’s unclear what they charge, such as an application fee or loan origination fee.

As such, it’s recommended that you speak to a loan officer before applying to get loan pricing, then if you like what you hear, you can move forward.

But don’t forget to compare their interest rates and fees to those of competitors as well to ensure they are favorable.

Remember, you could be paying down this loan for the next 30 years, so put in the time to shop around!

Ruoff Mortgage Reviews

On Zillow, they have a very impressive 4.98-star rating from nearly 700 customer reviews, which is basically perfection.

After scanning their reviews, many indicated both the interest rate and closing costs were lower than expected, which is a good sign pricing-wise.

On LendingTree, they have a perfect 5-star rating, though it’s based on just seven reviews, so not a great sample size. They also boast a 100% recommend rating.

The company also notes that they’ve got a 98.2% customer satisfaction score according to Customerville.

Their only questionable reviews come via Google, where they have a 3.9-star rating from 20 reviews, thanks to a mix of 5-star and 1-star reviews.

Ruoff Mortgage is a Better Business Bureau accredited, and has been since 1986. They currently enjoy an ‘A+’ rating.

In summary, they appear to be well-liked, offer lots of different loan options, and seem to offer a fast digital mortgage experience. If pricing is also on point, they could be a suitable choice for your home loan needs.

Ruoff Mortgage Pros and Cons

The Good

  • Offer a digital mortgage experience
  • Apply from any device or use their free smartphone app
  • Can close fast: average 17 days clear-to-close
  • Mostly excellent customer reviews
  • A+ BBB rating, accredited company
  • Lots of loan programs to choose from
  • Mortgage calculators and mortgage glossary on site

The Not So Good

  • Not licensed in all 50 states
  • Do not publicize mortgage rates or lender fees
  • Some mixed reviews from past customers
  • No home equity products

Source: thetruthaboutmortgage.com

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Welcome to the ultimate guide for anyone considering a move to the lively city of Chicago. Moving to Chicago can be thrilling and overwhelming, but fear not – Redfin has you covered. Whether you’re drawn to the mesmerizing skyline, the deep-dish pizza, or the rich cultural scene, you should know some crucial things before calling the Windy City your new home. From navigating the diverse neighborhoods to understanding the unpredictable weather, we’ll equip you with valuable insights to ensure a smooth transition. So, whether you’re moving into your new studio apartment in Chicago or your new house in the city, buckle up and get ready to uncover the essential tips and tricks to make your move to Chicago an unforgettable experience.

1. The cost of living is high 

One of the most crucial things to know before moving to Chicago is the the high cost of living in Chicago. The expenses in Chicago can be steep. In fact, the cost of living is 19% higher than the national average. Housing costs in particular are 50% more than the national average and tend to be most expensive  in desirable neighborhoods like the Loop, River North, or Lincoln Park. Additionally, everyday expenses such as groceries, transportation, and healthcare are generally pricier in the city. When planning a budget for living in Chicago, it’s essential to consider these factors. Additionally, it’s worth noting that the farther you venture outside the city, the more affordable suburbs you’ll discover.

2. There is a great sense of community in the city

From vibrant neighborhood festivals and local initiatives to a rich tapestry of cultural diversity, the city fosters a welcoming atmosphere that creates lasting connections and a shared sense of belonging.

“What sets Chicago apart is its remarkable sense of community, where people come together, support one another, and create lasting connections,” says Jodie Baudek from Essence of Life Chicago, an integrative wellness company. “If you plan to make this city your home, research and find the neighborhood that resonates with your spirit. That’s where you’ll discover your tribe, your people, and the place where you’ll truly thrive.”

3. Chicago is a food lover’s paradise

The city is renowned for its deep-dish pizza, an iconic staple that has gained worldwide recognition. However, Chicago’s food offerings extend far beyond pizza, and it’s great to know before you move to there. From neighborhood hot dog stands to Michelin-starred restaurants, the city boasts a plethora of culinary delights that cater to every palate. With its rich cultural heritage, Chicago showcases an incredible variety of international cuisines, including Italian, Mexican, Chinese, Indian, and more. The city is also known for its bustling food markets, such as the famous Chicago French Market and the revitalized Chicago Riverwalk, where visitors can savor artisanal foods and local specialties. 

4. You’ll find many charming neighborhoods 

Chicago neighborhoods are brimming with charm and offer a unique blend of history, culture, and community. From the vibrant and artistic Avalon Park to the picturesque and diverse South Shore, these southern neighborhoods showcase architectural gems, local eateries, and vibrant street life, making them a must-visit for anyone seeking an authentic Chicago experience.

Abbey Brown, a local soap artisan shares, “Walking, biking, and an easy commute by bus or train are how we roll here in Chicago. Once here, make your way to find creative neighborhoods with architectural delights. Each area has specialty shops, unique flavors, and experiences that will draw you in perfectly, making Chicago your home base.”

If you’re in the Beverly neighborhood, start your south-side adventure at the 99th and Wood Street stations district. First stop, fill your belly with the succulent South Side Short Rib Grilled Cheese from Afro Joes’. Next, head straight to the award-winning Five-Star Cakewalk Chicago flagship store, where baking enthusiasts can find essential supplies for mixing up delicious traditions and classes from Chef Lori to elevate your skills. 

5. There are hidden gems throughout the city’s architecture

Chicago’s architecture is a stunning testament to the city’s rich history and innovative spirit. From the iconic skyscrapers of the Loop to the grandeur of Frank Lloyd Wright’s designs, Chicago’s architectural landscape is a breathtaking blend of classic elegance and bold modernity. 

“Chicago is known for its architecture, but less known is that many of the historic buildings have lobbies open to the public,” says Chicago Private Tours and Productions. “This includes the restored-to-1890s Monadnock Building and the Frank Lloyd Wright-designed atrium of the Rookery Building. Inside the Chicago Athletic Association Hotel lobby, you can easily imagine the wealthy elite drinking Scotch by the fireplaces while they divide the city.”

6. Sports are a huge part of Chicago life

If you’re a sports enthusiast, Chicago is for you. The city is home to several iconic franchises, including the Chicago Cubs and the Chicago White Sox in Major League Baseball, the Chicago Bears in the National Football League, the Chicago Bulls in the National Basketball Association, and the Chicago Blackhawks in the National Hockey League. Whether you’re a baseball, football, basketball, or hockey fan, there is a Chicago team to cheer on. The city’s sports culture is deeply ingrained, and attending a game at one of the historic venues, such as Wrigley Field or Soldier Field, is an experience unlike any other. 

7. Chicago is a hub for car enthusiasts

With its bustling auto scene and many automotive events, Chicago is a haven for car enthusiasts. From the annual Chicago Auto Show, showcasing the latest models and innovations, to the thriving car culture and regular meetups, the city offers an exciting haven for those passionate about all things automotive.

“For automotive enthusiasts, you’ll be pleased to know that Chicago offers a thriving car culture,” shares Matt Farnsworth from Vintage Ltd., a men’s motorsport apparel company. “You’ll find numerous car clubs, auto shows, and events throughout the year, including the renowned Chicago Auto Show held annually at McCormick Place. Additionally, this year’s NASCAR race will be held in downtown Chicago, providing an exciting opportunity for racing fans to experience the thrill of high-speed action in the city’s heart.”

8. You’ll find the city full of robust history and culture

Chicago’s rich history, from trading post to innovative industry hub, contributes to its robust and captivating legacy. Renowned architecture, world-class museums, thriving music and theater scenes—all contribute to the vibrant cultural legacy of the city.

The Firehouse Dream, a local space for BIPOC creatives, shares, “As a community-centered organization, the robust history and culture is important to know before moving to Chicago. As a diverse city, it provides various cultural experiences through food, art, and community-led projects that bring awareness to each neighborhood, like Humboldt Park, Bronzeville, Chinatown, and more. Consider how you can use food, music, and activities to learn more about all the beautiful culture here.”

9. The weather can be hard to adjust to

The weather in Chicago is famously unpredictable, with rapid changes that can occur within hours. Chicago’s weather demands preparedness year-round as residents and visitors face sudden temperature drops, snowstorms, heatwaves, and thunderstorms.

When you’re ready to beat the summer heat or take a break from the bitter cold, take a sweet retreat at Sat Nam Yoga. Located just 10 minutes west of the hustle and bustle of the lake and shopping district, this quiet oasis provides a perfect escape. Check out a yoga class or sound bath to take a rest at this popular Chicago healing sanctuary.

10. There are various housing options available

Chicago offers diverse housing options to suit different preferences and budgets. From high-rise apartments in the downtown area to charming brownstones in historic neighborhoods like Lincoln Park and Lake View, there are options for everyone in Chicago. Suburban areas surrounding the city provide spacious single-family homes and townhouses, ideal for families or those seeking a quieter lifestyle. Moreover, the city has witnessed a rise in contemporary and upscale apartment complexes, offering amenities like concierge services.

11. Plenty of efficient public transportation can be found

Chicago boasts a robust and efficient public transportation system that caters to the needs of its residents. The city’s trains, buses, and options for commuters create a reliable transportation network covering neighborhoods and suburbs conveniently. The iconic ‘L’ train system, operated by the Chicago Transit Authority (CTA), serves as the backbone of the city’s public transit, connecting downtown with various corners of the metropolis. Commuters can easily navigate the city using color-coded train lines, which provide quick and affordable transportation. Apart from the train system, an extensive bus network covers nearly all city areas, providing flexible options. The Metra rail system provides reliable service for those commuting from the suburbs, connecting downtown Chicago with the surrounding areas. 

12. There are plenty of parks and beautiful viewpoints

With stunning parks and captivating viewpoints, the Windy City provides residents and visitors a picturesque escape from urban bustle. The city is renowned for its expansive lakefront, boasting a series of interconnected parks along Lake Michigan. Millennium Park’s iconic Cloud Gate sculpture, known as “The Bean,” and Grant Park’s serene Buckingham Fountain offer endless opportunities. The Lincoln Park and Garfield Park Conservatories display breathtaking botanicals, while the Chicago Riverwalk offers a scenic pathway with gardens. With its abundance of green spaces, iconic landmarks, and breathtaking viewpoints, Chicago has a lot to offer.

Source: redfin.com

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Between the actual Cars movies, and classic movies that feature memorable cars, there are lots of sweet rides we’d like to own ourselves. Here are the top 13 cars we’ve loved from movies throughout the last few decades!

1. KITT

Photo Credit: 20th Television.

The KITT (Knight Industries Two Thousand) was an iconic car in the Knight Rider series. It is a modified 1982 Pontiac Trans Am. Michael Scheffe, a customizer, created KITT. George Barris conceptualized and produced the KITTs for the convertible and super-pursuit missions.

One person said, “This is the correct answer, Michael.”

2. DeLorean, from Back to the Future

Photo Credit: Universal Pictures.

In the film Back to the Future, Michael J. Fox’s Marty McFly traveled through time in the DeLorean, one of the most well-known automobiles in cinematic history—the DeLorean sports coil springs and telescopic shock absorbers for its four independent wheels. The front suspension also uses double wishbones, while the rear is a multi-link design. Overall, the design is very attractive to car enthusiasts.

3. General Lee, from Dukes of Hazard

Photo Credit: Village Roadshow Pictures.

The Dukes of Hazzard’s car, also known as the “General Lee,” is a 1969 Dodge Charger prominently featured in the television series “The Dukes of Hazzard,” aired from 1979 to 1985. The car is easily recognizable due to its bright orange paint job with a Confederate flag emblem on the roof, as well as its signature horn that plays the first 12 notes of the song “Dixie.”

One person said, “Dukes of Hazzard’s car. I remember that car from my childhood.”

4. Herbie, from The Love Bug

Photo Credit: The Walt Disney Company.

The Herbie car is a 1963 Volkswagen Beetle that was featured in several movies, including the 1968 film “The Love Bug” and its sequels. Herbie is a sentient car with a mind of its own and the ability to drive itself. The car is white with red, white, and blue racing stripes and features the number “53” on its doors and hood. In the movies, Herbie often competes in races and outsmarts its human drivers. The car became a beloved character and cultural icon, inspiring a generation of car enthusiasts and spawning merchandise such as toy cars and clothing.

5. Aston Martin DB5, from Goldfinger

Photo Credit: Metro-Goldwyn-Mayer.

The Aston Martin car brand has been featured in many James Bond movies, starting with the 1964 film “Goldfinger.” In the movies, Bond drives various models of Aston Martin cars, which are typically equipped with various gadgets and weapons, such as machine guns, missile launchers, and ejector seats. With the car’s features, it’s no wonder why many people find it appealing!

6. Bean’s Car, from Mr. Bean

Photo Credit: Tiger Aspect Productions.

Mr. Bean’s car is a 1976 British Leyland Mini 1000 Mark 4, which is a small and compact car. The car is a major part of the character’s antics in the British sitcom “Mr. Bean,” which aired from 1990 to 1995. The car is light green with a black hood and a yellow registration plate reading “SLW 287R.”

7. Batmobile, from Batman

Photo Credit: Warner Bros.

The Batmobile is a car featured in many Batman movies, TV shows, and comics. The car is made to look like Batman, who is a powerful, mysterious, and dark vigilante. The design of the Batmobile has evolved over the years, but it typically features advanced technology and weaponry, such as grappling hooks, missiles, and even a jet engine. 

8. Greased Lightning, from Grease

Photo Credit: Paramount Pictures.

The Grease Lightning car is a 1948 Ford De Luxe Convertible that was featured in the 1978 musical film “Grease.” The car was originally owned by Kenickie, a member of the T-Birds gang, but it eventually becomes the main focus of the gang’s attention when they decide to fix it up and turn it into a racing car. The car is customized with various features, such as a flame paint job, a hood scoop, and a set of whitewall tires.

9. The Mystery Machine, from Scooby-Doo

Photo Credit: Hanna Barbera.

The Mystery Machine is a van that has been featured in various iterations of the animated TV series “Scooby-Doo.” The van is primarily used by the main characters, including Scooby-Doo and his human companions, as they travel to different locations to investigate paranormal mysteries. The van is often depicted as being brightly colored with a psychedelic paint job and featuring the words “Mystery Machine” written on the side in bold letters.

10. Frank Bullitt’s car, from Bullitt

Photo Credit: Warner Bros.

The car featured in the 1968 film “Bullitt” starring Steve McQueen is a 1968 Ford Mustang GT 390 Fastback. The car is known for its high-speed chase scene through the streets of San Francisco, which has become one of the most iconic car chase scenes in cinematic history. The car was driven by McQueen’s character, Frank Bullitt, a tough and determined police detective who is tasked with protecting a key witness in a high-profile case.

One person stated, “My dream car. Some day I’ll have one.”

11. Jim Rockford’s car, from The Rockford Files

Photo Credit: Universal Television.

The car driven by Jim Rockford in the TV series “The Rockford Files” is a gold-colored 1974 Pontiac Firebird Esprit. The car is often seen in the show’s opening credits, as Rockford drives along the California coastline, and is a defining characteristic of the character. The car is not only stylish but also functional, as Rockford uses it in his job as a private investigator to chase down leads and tail suspects.

12. Lightning McQueen, from Cars

Photo Credit: Walt Disney Studios.

Lightning McQueen is a character in the Disney-Pixar animated movie “Cars.” He is a red race car that is inspired by real-life NASCAR racing cars, with a sleek and aerodynamic design. In the first “Cars” film, Lightning is a cocky and ambitious rookie racer who dreams of winning the Piston Cup championship.

13. Sam and Dean Winchester’s Car, from Supernatural

Photo credit: Warner Bros Television.

The Chevy Impala is a black 1967 model that has become a defining characteristic of the TV series “Supernatural.” The car is owned by the main characters, Sam and Dean Winchester, who use it as their primary mode of transportation as they travel across the country fighting supernatural creatures. The Impala features a powerful V8 engine and a distinctive, muscular design with a sleek black finish. The car has also been customized with various features, including a hidden compartment in the trunk to store weapons and a Kansas license plate with the number “KAZ 2Y5.”

View the original Reddit thread here.

Here are 10 of The Most Beautiful Songs People Have Ever Heard

Photo Credit: Shutterstock.

What’s your favorite song of all time? Check out this article with ten of people’s favorite songs of all time.

10 Movies People Said were Awful that are Actually Great

Photo Credit: Shutterstock.

Have you ever been warned away from a terrible movie only to discover that you really love it? Check out this list of movies people said were terrible, but turned out to be fantastic!

10 Actors People Never Believed would Become as Big as they Did

Photo Credit: Shutterstock.

Have you ever been surprised at an actor or actress’s success? Us too: check out this article of celebrities we never thought would get this popular.

10 Celebrities People Automatically Assume will make a Movie Great

Photo Credit: Shutterstock.

Who’s your favorite celebrity? Would you watch anything they’re cast in? Check out this compilation of Redditors’ favorite actors!

10 Best One-Note Actors of All Time

Image Credit: Shutterstock – Tinseltown

Can you think of any actors or actresses who were great, and then weren’t? Here’s our top list of one-hit wonders, all in one place!



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Source: financequickfix.com

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The holidays are about six months away. Why wait until the last minute to shop? Answer: You shouldn’t. And you won’t have to if you have a decently stocked gift closet. Some people I know keep their eyes open starting on Dec. 26 and are finished by mid-summer.

It’s more than just the December holidays, though. A small selection of “evergreen” gifts (non-perishable, non-trendy) means you’re prepared for any birthday, anniversary or new baby that comes along.

Building your gift closet doesn’t have to cost much. I always trot out the example of the puzzle depicting the Sistine Chapel ceiling, the perfect gift for a jigsaw-loving relative. Still shrink-wrapped when I found it on half-price day at a thrift shop, it set me back a whopping 35 cents.

If you wait until the last minute, you’re likely to spend more. On the afternoon of the baby shower, you might be tempted to stop at the first store you see and grab the item that’s closest to the door. Compare that with, say, the 89-cent newborn outfit that I bought at a post-holiday clearance sale.

(It wasn’t junk, either, but made by Carter’s. And it was cute as hell. I made the girl-noise when I saw it.)

Incidentally, it doesn’t really have to be a closet. I keep my stash in a cedar chest that I bought for $15 at a garage sale. Not only are my gifts cheap, they’re guaranteed moth-free! Here are some ways to build an evergreen gift stash without breaking the bank.

Clearance tables. Both post-holiday and everyday “last chance” sales can yield amazing finds. In late December the department stores want to get rid of unsold hat-and-scarf sets, gloves, slippers and “executive” gifts (e.g., day minders or business card holders) — and all of these can be held until next year’s Christmas or this year’s Father’s Day. Classic toys (stuffed animals, puzzles, books) can be had for a song if you’re patient enough to wait until Target or Walgreens really wants to get rid of them. (I’ve seen discounts as deep as 90%.) Remember that clearance sales happen in a lot of places: hardware stores, craft shops, drugstores, souvenir stands, supermarkets, office-supply stores.

Tip: If you see a gift set (foodies, spa items) wrapped in a Christmas-y way, break it down and repackage the elements for a January birthday or for Valentine’s Day.

Deal sites. Dealnews, Eversave, My Bargain Buddy and other money-saving sites can be dangerous if you’re a compulsive buyer. Pick your spots, though, and you might see a lovely package of fancy teas that would be perfect for your sister, or a swell set of socket wrenches that would be perfect for your other sister. You’ll spend relatively little to get them, especially if you get site credits for having referred other members.

Social commerce sites. Whether you’re buying a gift item or a discounted gift certificate you can use to buy a gift yourself, Groupon et al. can really stretch your buying dollars. Recently I saw a $20 Old Navy gift certificate for only $10, which could translate into shorts, tank tops or other items (especially if you wait for clearance sales). You could also give the certificate itself, if it has a decently distant expiration date — a massage or a spa day would be a great gift for a babysitter, housecleaner or teacher. And a middle-school-aged niece or nephew might love to get $20 worth of buying power at Old Navy.

Thrift shops. It’s amazing what you can find in the secondhand store — and as noted above, some of it has never been opened. Extra frugal points if your finds are “tag color of the day” specials or found during half-off sales.

Note: GRS readers discussed at great length whether it’s okay to give thrift-store gifts. If this really makes you uncomfortable, don’t do it. But here’s my advice: Get over yourself. Nobody has to know where you bought the present unless you choose to tell them.

Yard sales. We’re heading into the prime garage-sale season. I’ve found beautiful books, stationery and card sets, candles, book-and-toy combos, journals and other items — all new or seemingly unused — that became birthday or Christmas gifts. None of them cost more than $1.

Tip: Toward the end of the day, go back to the yard sale — they might be ready to haggle.

Rummage sales. The ones held indoors are even better than garage sales, because you’re not sweating in 95-degree heat while you shop.

Social media giveaways/contests. Companies will do anything to get noticed — including hand out free clothes, books, sporting equipment, jewelry, TVs, computers or big bundles of cash. (Believe it or not, I once saw a contest whose prize was a year’s worth of health insurance.) To find such contests, try using Twitter hash-tag searches (“#giveaway” or “#freebie”) or checking a Facebook app called “Wildfire.” Or do it the easy way: Find yourself a good freebie blogger and watch for the giveaways you really want.

Tip: Free software such as Roboform will fill in contact info automatically, making your entries more efficient. Also: Google “second-chance drawing” — contest junkies, aka “sweepers,” know that the odds are much better than in the initial drawing.

Take online surveys. You have to be choosy, since some companies ask for a lot and give back relatively little. But some people make a decent little side income answering questions. Depending on the site, you can redeem points for physical prizes, gift cards or even cash. I’ve had a lot of luck with Clear Voice Surveys and Valued Opinions, through which I’ve obtained dozens of Amazon gift cards in the past few years. (These days I don’t keep them, though; I give them away on my website.)

Rewards programs. Got a credit card that gives points? Cash some in for gift cards you can use to shop or that you can give outright. Or join a rewards program like Swagbucks or MyPoints, which let you earn gift cards, prepaid debit cards and other items. I’m particularly fond of Swagbucks, myself; right now I’m squirreling away Amazon gift cards until Black Friday. I’ve also given Christmas gifts obtained through My Coke Rewards: magazine subscriptions, a NASCAR hat, a set of barbecue tools, T-shirts, movie tickets.

Tip: Ask family or friends to save My Coke Reward points for you. Check the recycle bins at work, or outside your apartment house, too.

Gift swaps. Got a gift you don’t want? So do a lot of people. Invite family and friends to bring over items, then trade to your hearts’ content. Try not to be sad, though, if someone brings a package of teas or socket-wrench set that look awfully familiar.

Source: getrichslowly.org

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Two rent-related lawsuits were lodged by separate property companies against Atlanta-based Equity Prime Mortgage LLC, adding to the outstanding number of litigation battles the multi-channel lender has to resolve, including one filed by a NASCAR team in late-December.

The lease lawsuits were lodged in Florida and Missouri two months apart by landlords accusing the mortgage company of not paying rent for office spaces.

A suit filed in Florida by TGT Maitland, LLC in April accuses the lender of “failing and refusing to pay the rent and other amounts owed under the lease” for an office space it has been renting since 2019. The sum owed as of March 6 totals close to $30,000.

A month prior, litigation was filed on behalf of Weldon Centre, LLC, a company that owns buildings in Missouri. The company filed a rent and possession lawsuit, a method commonly used by landlords when tenants do not pay rent. 

Details regarding the lawsuit are sparse, but as of April 3 the case has been marked as resolved. The attorney representing Weldon Centre would not provide further information about the case.

According to the lawsuit filed in Florida, EPM, which has headquarters in Atlanta, has been renting the office owned by TGT Maitland since May 2019. In September 2022 the mortgage shop renewed the lease for an additional three years. The rent currently due by EPM totals at least three months, with the monthly rate of the property coming in at $8,817, documents show.

The landlord of the property is seeking damages in excess of $50,000 to cover the lease, attorney’s fees and court costs. TGT Maitland is also holding onto a $9 thousand security deposit from EPM, which it will apply to the sum owed, the lawsuit said.

EPM did not immediately respond to a request for comment.

The back-to-back lawsuits come after Jesse Iwuji Motorsports announced that it was suing EPM for $4.1 million in a Florida federal court, claiming the firm stopped making six-figure monthly payments last September for commitments including stock car signage.

Per the lawsuit, an EPM executive told the team it wouldn’t make further sponsorship payments because of a “margin call” and was suffering financially from mortgage rate hikes. 

“Though JIM sympathized with EPM’s predicament and proposed measures in good faith in order to benefit EPM and continue the parties’ relationship, EPM again reiterated in communications with JIM that the effect of the ‘margin call’ was the reason why future payments would not be made,” said Darren Heitner, attorney at Heitner Legal and JIM’s legal representation.

The mortgage shop fired back with a countersuit in February denying accusations of having financial issues and placed the blame of the sponsorship breakdown on the racing team’s own alleged admission of liability. Negotiations between both parties are still ongoing.

EPM has been in the mortgage business since 2008 and is currently licensed in 50 states, with 75 loan officers on board. The company originated $1.9 billion in residential loans between Jan. 1, 2022 and Oct. 31, 2022, according to data from by S&P Global.

Source: nationalmortgagenews.com

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It’s always important to remember that just because someone is famous or successful, it doesn’t mean they’re a good person. Unfortunately, celebrities have served as living examples of how people may conceal their heinous crimes simply because they are famous. 

In this post, we’ve identified ten celebrities who committed bad things but were “forgiven” because they were famous.

1. Vince Neil of Mötley Crüe

Photo Credit: Shutterstock

Vincent Neil Wharton, better known as Vince Neil, is an American musician, primary vocalist, and occasional rhythm guitarist for the heavy metal band Mötley Crüe from their inception until 1992. 

One Redditor shared, “Vince Neil of Mötley Crüe drove drunk, killed one of his very good friends, and gave the two people in the other car very bad injuries and brain damage. He also had other DUIs after this. But hey, everybody loves a good party song, and now he has a famous liquor brand.”

Another added, “He also beat a woman so severely it ruptured a breast implant.”

A user ended the thread with a comment, “Jesus Christ, what kind of monster punches a woman in the front?”

2. Floyd Mayweather

Floyd Joy Mayweather Jr. is a former professional boxer and boxing promoter from the US. He presently owns The Money Team Racing, a NASCAR Cup Series team.

One Redditor posted, “Floyd Mayweather beats his wife with hands that are registered as lethal weapons in front of his children. But because he wins, nobody cares.” Another added, “He has always seemed like such a d** lol.”

3. R Kelly 

Photo Credit: Shutterstock

Robert Sylvester Kelly is an American musician, composer, record producer, and convicted s*x offender.

One user said, “R Kelly married Aaliyah when she was 15 years old in the mid-’90s, and yet it took like two decades for people to start boycotting him as a sexual predator. He was still making songs with Beyonce, Lady Gaga, etc., for a looooong time.” 

“I remember after Aaliyah died, there was an interview with the guy who’d been her boyfriend at the time of her death. Apparently, the whole R. Kelly thing shook her up, and she didn’t like to talk about the subject at all. No surprise there,” someone replied.

4. Rick James

Photo Credit: Shutterstock

Rick James, born James Ambrose Johnson Jr., was an American singer-songwriter, guitarist, and record producer. James began his musical career as a teenager, having been born and reared in New York.

One user shared, “Rick James kidnapped TWO women with his wife while on separate crack binges.”

“And tortured them, for days on end,” another responded.

A third user ended, “DARKNESS.”

5. Johnny Cash

John R. Cash was a country music singer-songwriter from the US. Much of Cash’s songs, particularly in the latter phases of his career, addressed themes of sadness, moral difficulty, and salvation.

One Redditor shared, “Johnny Cash walked out on his wife and kids saying that his career was more important to him than they were, then went on to eventually settle down with June Carter and start a whole new family while ignoring the kids he already had.”

“I’m pretty sure they made a whole movie about this,” another commenter responded.

One user added, “I’m watching it for a careers class, 10/10 not a great movie.”

6. Boy George

Photo Credit: Shutterstock

Boy George is an English singer, songwriter, DJ, author, and mixed media artist and has been the lead vocalist of the musical band Culture Club. He is well renowned for his baritone vocals and androgynous look.

A commenter posted, “Boy George. He beat a guy with a metal chain after cuffing him to a radiator. Should make for an interesting sequence in his forthcoming biopic…”

One user asked, “Why did he do that?” 

“He really wanted to hurt him,” one Reddit user responded.

“He really wanted to make him cry,” another user added.

7. Jimmy Page

James Patrick Page is an English musician best known as the guitarist and founder of the rock band Led Zeppelin. In addition, Page is a prolific creator of guitar riffs. 

One user shared, “Jimmy Page also dated a 14-year-old when he was 28. Edit: ‘dated’. Edit: KIDNAPPED and R*PED.”

Another user added, “There was a groupie called Lori Maddox who Jimmy Page started dating when she was 14. David Bowie took her virginity when she was 15, and Mick Jagger gave her cocaine and slept with her while she was still underage. You never hear about any of this.”

“Listen to Stray Cat Blues. He straight-up sings about f*cking 15 yr old. Doesn’t even want to see their id,” another responded.

“It’s not even subtle,” another Redditor replied.

8. Piers Morgan

Photo Credit: Shutterstock

One Redditor shared, “Piers Morgan was the editor of the Daily Mirror during the Iraq War, published photos that he knew were fake of American and British Troops abusing Iraqi prisoners. He was fired but somehow managed to make a successful media career out of it.” 

Another replied, “One of my favorite videos of him is the one where he tried to shame that Love Island girl because she didn’t know Pythagoras’ Theorem, and when asked if he knew, he started reciting the digits to Pi.” 

“The assumption he makes—that being able to recite pi ‘to, say, the first five digits’ is the basest form of faux-intellectualism, too.

It’s what a four-year-old might think of as the pinnacle of cognitive achievement.”, one user added.

“And incorrectly reciting Pi, at that,” one user confirmed. 

9. George Wallace

A user shared, “George Wallace—the infamous pro-segregation Governor of Alabama in the 60s—did not inform his wife that her doctor diagnosed her with cancer (doctors during this time often told patient’s relatives of their cancer diagnosis instead of the patient, especially if the patient was female). The reason was that she was running for governor as a surrogate for him since he had reached his term limits, and he thought that the diagnosis would negatively affect her chances of winning. She ended up finding out about it four years later during a visit to a gynecologist. Still, unfortunately, the cancer had progressed to the point that she died from it three years after learning that she had cancer and that her husband had known about it.

“He ended up successfully getting the term limits repealed and went on to serve a few more terms as governor. People forget about this, I’m assuming, because of all of the other sh*tty things he did. Edit: Her name was Lurleen Wallace, for those interested.”

Another user commented, “Well, he was shot in an assassination attempt in Maryland and was paralyzed from the waist down. Karma’s a b*tch.”

This article was inspired by this post. 

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Source: financequickfix.com

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When you apply for life insurance coverage, your insurance agent should be very inquisitive.

They will want to ask you by your overall health, if you smoke and your family history.

One question that gets asked that many people that are applying for life insurance forget that will be asked is “How is your driving record?”.

Uh-oh…..

If you drive like a Nascar driver and have been ticket for it, it could cost you.

Not only does your car insurance go up, but also so does your life insurance! Life insurance is one of the most important purchases that you’ll ever make, and your driving record could have a huge impact on that.

Regardless of your lead foot, it’s important that you get a quality life insurance policy, and we can help you get that protection at an affordable price.

Yes, Your Driving Record Affects Life Insurance Rates

This may come as a shock to many, who may not believe it, but it is true. Life insurance rates and your driving record do have one thing in common: Death!

That might seem a tad over-dramatic to some, but death is certainly something to worry about on the road. When a driver does not care about the harm that dangerous driving causes, life insurance companies begin to realize they may not have a lot of time on this earth.

When you drive with only the end point and some fun in mind, that is why your driving record affects life insurance rates. This may seem unfair to some, but it is a real worry for insurance companies. Just like a disease or other serious health condition, bad driving raises your chance of death. When you have a higher likelihood of death, your life insurance rates go up. Just like if you were completely healthy and took steps to ensure you stayed alive and well for years to come, your life insurance rates would drop.

Your driving record affects life insurance acceptability, too. If you are a driver with a problematic driving history, they may consider you too much of a risk to insure. A person with a family they want to protect, even after they have entered the grave, will see this as a problem. They want to get good rates, a good company, and money for their family if they meet their demise.

Recent Driving History

A good thing for many drivers out there is that the top life insurance companies peek at your recent history, not everything. Life insurance rates and your driving record are a big worry, but so is whether or not you will get life insurance to begin with.

Any person out there who thinks they are safe to get life insurance simply because they are healthy needs to look into everything.

How Much Does Your Life Insurance Go Up Because Of Speeding Tickets?

Recently, I had a gentleman that was applying for a 20 year term life insurance policy.  I asked the usual questions and everything seemed to be on track for a Preferred Best rating.  I then asked about his driving record.  There was a pause.  Followed by a “Well, let me tell you about that…..”

The guy hadn’t had a speeding ticket in over a decade but happened to get his first one about 6 months ago.  Now one ticket wouldn’t have been an issue.  But he got not just one but two more tickets…..in the same week!

Having 3 speeding tickets on your driving record in one week does not do well for your life insurance premium. Especially when they occurred in the past 6 months.

His premium which would have been $1490 per year, ballooned to $1,913 per year. As you can see, your driving record does matter.

More than likely, you haven’t gotten three speeding tickets in one week. That’s a rare case that I may never run into again, but if you do have a couple of tickets in the last six months, then you could be facing higher premiums.

As long as your driving record isn’t filled with speeding tickets and accidents, then it isn’t going to impact your premiums too drastically. You’ll still be able to get affordable life insurance coverage, even if you’ve been caught going slightly higher than the speed limit.

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Getting Affordable Life Insurance Coverage

There are a couple of ways to trim down your life insurance premiums. Making a few simple changes to how you live will contribute money back into your wallet.

Always remember to slow down on your drive home from work. We’ve already shown that speeding tickets can cause your premiums to go up, which means that it’s important that you’re driving as safely as possible. Taking a little longer to get to work in the morning, could help you save money on your life insurance coverage.

Our second suggestion is to quit tobacco use. Did you know smokers are going to pay twice as much for life insurance for comparable coverage. Kicking that bad habit could make you rich! Well not really, but it some great motivation!

This suggestion is pretty simple, improve your health. If you think of it as a waterfall, the healthier you get the better your quality of life and the lower your chances are of getting a disease later on in life. Combining all of this could lead to great results on your medical exam and at the bottom you’re gonna get a lower rate from the insurer. So start that diet and exercise you’ve always wanted to. Now is the time to prepare for all the stuff you’ll go through once your application is signed.

No carrier sees your lifestyle, age or driving record the same. Whats the harm in getting more than one quote? Don’t fall prey to sales tactics from individual agencies; instead look to agencies like us, independent, we work with many carriers in the industry and have the same relationship with each one. Our quotes are full-service and you’ll always get more information that way. Your time is precious. Spend them at home with your kids, friends, and family instead of taking the time doing the work for yourself. We will spend our time working hard on your behalf to help you achieve your financial goals.

Term Life Rates and Your Driving Record

Your life insurance rates and your driving record are things you have to consider. A bad driving record negatively affects your life insurance rate, as well as your acceptability.

If you have a family to take care of, or are hoping to sometime soon, then you need to look at how you drive. Bad driving does increase your chance of death, and life insurance companies know that.

We know you don’t want your dependents to suffer paying for final expenses.

Stop thinking your driving record is going to lower your shot at purchasing great coverage at a low price. Get quality coverage starting today!

Source: goodfinancialcents.com

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If the past few years have often made you fantasize about living amidst uninterrupted wilderness, we have a treat for you.

Thirty minutes southeast of Missoula, and about 2.5 hours northwest of Bozeman, Montana, lies the sprawling Five Ranges Ranch — currently on the market for $25 million (Mauricio Umansky of The Agency along with Joy Vance and Jeremy Seglem of The Agency Bozeman hold the listing).

Photo credit: The Agency

A massive 4,880-acre property that stretches from the banks of the Clark Fork River to the tops of the Garnet Mountain Range of the Rocky Mountains, Five Ranges Ranch is a truly rare offering.

It’s also a bonafide hunting paradise, being home to a native herd of over 300 elk, as well as upland birds and turkeys, with over 100 miles of game trails and wilderness roads to explore.

Photo credit: The Agency

At the center of it all sits a majestic 8,510-square-foot main lodge, which comes with ample accommodation for guests and fellow big-game connoisseurs.

SEE ALSO: NASCAR Champ Tony Stewart’s house is a massive 415-acre hunting paradise

The Five Ranges lodge features two levels of living space and a third-level Sky Lounge with towering views of the Pintler Mountains. 

Photo credit: The Agency

Incorporating natural and handmade elements that pay tribute to the lodge’s locations — and the breathtaking landscape that surrounds it — the lodge features unique finishes like American Clay walls and ceilings, hand-forged ironwork, custom-made light fixtures, and reclaimed white timber oak flooring.

Photo credit: The Agency
Photo credit: The Agency
Photo credit: The Agency

On the main floor, we find a hand-placed rock fireplace in the living room and towering two-story, floor-to-ceiling windows that open up to uninterrupted alpine and valley views.

Photo credit: The Agency

Also on the main floor: a beautifully appointed kitchen, dining room, and library, as well as access to the expansive multi-level deck outside.

Photo credit: The Agency

But it’s the ground floor that holds the key to funtown, as this space was specifically designed for entertainment.

SEE ALSO: Is the Yellowstone ranch real? We found the Dutton ranch in real life

As such, it comes with some extraordinary features like a high-quality game room with premium sound and video, hand-crafted white oak and persimmon wood Hellgate Bar, country club style locker room, and additional walk-out covered patio and entertainment space offering over 5,000 square feet of outdoor living. 

Photo credit: The Agency

But the lodge isn’t the only accommodation available on site.

There are also two apartments — nestled below the lodge itself — that provide extra space for guests or people working on the Ranch, as well as several cabins dotted throughout the timberland and connected via off-road trails.

Photo credit: The Agency
Photo credit: The Agency

Equipment and machines necessary for the sprawling 4,880+ acre ranch’s upkeep also have their dedicated space, in the oversized 6,000-square-foot garage.

Rightfully touted as “a world unto itself”, the Five Ranges Ranch is one of Montana’s most exclusive real estate offerings and a dream retreat for big-game hunters and nature lovers alike.

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Source: fancypantshomes.com

MLB All-Star Mark Melancon relists $11M waterfront home in Florida

Arizona Diamondbacks relief pitcher Mark Melancon is looking for a buyer for his waterfront mansion in Holmes Beach, FL. The four-time MLB All-Star and his wife, Mary Catherine, have recently brought the property to market, asking $10,950,000 for the two-story home that was custom-built for them. Charles Buky with Coldwell Banker Realty holds the listing. And […]

The post MLB All-Star Mark Melancon relists $11M waterfront home in Florida appeared first on Fancy Pants Homes.