Melissa Banki | REALTOR® GRI CNE's Blog Posts

Have A Safe And Happy 4th Of July

Wishing you a Safe & Happy 4th of July! We will be out helping some clients today find the best opportunities! #busyrealestatemarket #holidaysarevenbusier #welovehelpingourclientsRussell

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2 Acre Lot Just Off Grand Parkway In Tomball 0 Hampton Wood Dr Tomball TX 77377

Currently under contract but possibly going back on the market on the 10th of July. Submit your back up offers now! $139,900 RARE FIND! Fantastic LOCATION and opportunity to own

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For Sale In Cumberland Crossing Porter TX 19111 Shire Horse Blvd

11911 Shire Horse Boulevard, Porter, TX 77365 $220,000Fantastic 2 STORY on CUL-DE-SAC lot in the desirable community of CUMBERLAND CROSSING ready for it's new owners! ENERGY EFFICIENT! Home features

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Pristine Home For Sale In Windsor Estates 1526 Clubhouse Dr Friendswood TX 77546

1526 Clubhouse Dr Friendswood, TX 77546 $372,000Pristine single story in gorgeous sought after community of Windsor Estates of Friendswood. One of the city's most beautiful developments! Home

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Some Fantastic Land Properties Under Contract In Tomball And Montgomery

Some fantastic properties #undercontract this past week in #Montgomery (Lake Conroe area) and in #Tomball near the #GrandParkway TX-99!! Looking to sell quickly for top dollar and/or

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Busy Past Week Happy Sellers And Home Buying Clients

We are super happy for our #sellers and #homebuying clients! Looking to sell quickly for top dollar and/or purchase a new home? Give us a call and let us help you negotiate the best opportunity

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Happy Client Just Closed On His Cleveland TX Home

Congrats to our clients who just closed on their very first home in Cleveland, TX! So MANY new memories to be made! We don't mess around and get to work right away for our clients making

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Vacant Lot In Lake Conroe Area Minutes From The Marinas

FANTASTIC INVESTMENT OPPORTUNITY!  Residential 12,922 SQFT LOT 99' X 130' AVAILABLE! Just off HIGHWAY 105! Come enjoy the fun that a lake lifestyle has to offer! Properties continue to

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Fantastic Corner Acreage Property For Sale Just Off US 59

JUST LISTED!! Gorgeous UNRESTRICTED corner acreage property nestled on 2.657 acres! Many upgrades including flooring, paint & much more! Home features open concept living, inviting front/back,

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Under Contract In Cleveland TX

Negotiated and under contract in Cleveland TX! VERY happy clients and a gorgeous home ready for its new homeowners!Let us help you find your next new home and save you TIME and MONEY!

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Update On Real Estate Market In Houston TX And Surrounding Counties

It's been business as usual since Covid19 despite the chaos that surrounds us all however we have seen a positive change this week! #moreleadsonproperties

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Time Is Running Out To File Your Homestead Exemption

Time is running out. Don't forget to file by April 30th! #homesteadexemptionMelissa Banki REALTOR GRI, CNEBest Priced Properties TeamHelping our clients with all of their real estate goals

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Selling And Buying In The Spring TX Real Estate Market

CLICK HERE to see the latest #SpringTX Market StatsAre You Thinking of Selling Your Home? Need more space or wanting to downsize. Let us help you increase your home value and get the most

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CORONAVIRUS SHOWS LITTLE MEASURABLE EFFECT ON HOUSTONS MARCH HOME SALES

CORONAVIRUS SHOWS LITTLE MEASURABLE EFFECT ON HOUSTON’S MARCH HOME SALESStrong sales momentum through mid-March helps offset COVID-19’s market impact later in the monthHOUSTON — (April 8,

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Arm Yourself With The Facts And Understand How The Housing Market Will Be Affected By Coronavirus

The NAR Chief Economist Dr. Lawrence Yun recently spoke about his thoughts on how the economy and the housing market will be affected by the Coronavirus. He specifically discussed how

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Helping Our Kiddos Express Themselves During This Stressful Time

Saw this on a friends FB post and thought I’d share with you guys! For the kiddos, parents and grandparents.Love and hugs! :-)#wewillgetthroughthis #thereisasilverlining #commmunitysupport

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Scammers Are Trying To Take Advantage Of Houston TX Homeowners Due To Pandemic

Scammers Are Trying to Dupe Homeowners Who Need HelpArticle credit: National Association of Realtors - NARScam artists are reportedly using multiple methods, including spoofing tactics, to try

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Quick Market Snapshot Of Houston TX And All Surrounding Cities And Counties

I'm a numbers gal so follow the the MLS number trends daily as well as the pricing reports. Even in my own daily business and currently working with multiple buying and selling clients I

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Plunging Residential Mortgage Rates Hit Almost 11 Year High

Perfect time to list your home and shop for a new one! Call me at 936-445-0216! I am at your service!"Plunging residential mortgage rates saw loan applications hit an-almost 11-year high

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How Will The Recent Fed Rate Drop Affect The Market

Please understand that the Fed and mortgage rates are two different rates. With the recent Fed rate drop banks can now borrow from the Federal Reserve and the payback is 0% interest.

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February 2020 Houston TX Residential Sales Statistics

HOUSTON HOME SALES GAIN MOMENTUM IN FEBRUARYSales volume climbs for an eighth consecutive month and the $250K-$500K price range is the sweet spotArticle credit: HARHOUSTON — (March 11, 2020) —

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We Genuinely Just Enjoy Helping People Buy And Sell Real Estate In Houston TX And Surrounding Areas

We JUST love to help our clients buy and sell real estate! #HoustonTX #SpringTX #ConroeTX #MontgomeryHarrisandSurroundingCountiesMelissa Banki REALTOR GRI, CNEBest Priced Properties

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Celebrate National Napping Day On March 9th

Looking for that perfect space to call you own?Photo credit: Home EpiphanyMelissa Banki REALTOR GRI, CNEBest Priced Properties TeamHelping our clients achieve all of their real estate goals.www

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Houston Real Estate Market Snapshot For February 2020

#February2020 #HoustonTX Housing Report...Full Report Coming Soon #RealEstateMelissa Banki Realtor GRI, CNEBest Priced Properties TeamHelping our clients achieve all of their real estate

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The Reason I Love My Job Of Helping People Buy And Sell Real Estate In Houston TX And Surrounding Ar

Text from my clients! The reason I #lovemyjob and go above and beyond for my clients always! #realtor #realestatee #melissabanki #bestpricedpropertiesteam #Ilovetojusthelp

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Interest Rates At The Lowest Level In Our History

Never has there been a more opportune time to sell and buy!! Read what one of my favorite lenders, Stephanie Wood had to say about our mortgage market. For help with all things real estate

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We Are Under Contract In Conroe TX

After looking at both resale and new homes this sweet couple decided to purchase a beautiful new DR Horton in Conroe, TX! They also contracted on Valentine's Day! *Love*Melissa BankiBest Priced

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We Are Under Contract In Porter TX

My clients needed extra space for their large family. They also wanted a larger lot on a cul-de-sac and that is what they have! We are now are under contract

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Five Star Review From My Client On The Quick Sale Of His Home In Spring TX

FIVE STAR Review from my client!! "Hired Melissa Banki to list my home for rent and the house was getting instant views from prospective tenants. I decided that I should just sell the home and

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Low Interest Rates Help Give Houston Real Estate A Strong Start In January 2020

Houston real estate selling season has started early this year primarily due to continued low interest rates and now is a fantastic time to consider selling or buying real estate! Give us a

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Most Common Areas Of Construction Issues

New construction is a man-made product and sometimes issues can be found in both residential and commercial construction from poor workmanship, misinterpretation of plan details, and deviations

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National Housing Snapshot Of Existing Home Sales In December 2019

Existing-home sales ended 2019 with an increase in December, as a selling market remained strong and housing shortages continued at the start of 2020. The National Association of REALTORS® reported

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Congrats To My Client That Just Purchased His First Investment Property In Houston TX

I'm blessed to work with the best clients and have the support of a fantastic lender! #HappyClientsIsMyMotivation! Helped my client successfully find and purchase his 1st investment property before

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Under Contract In Less Than Two Weeks In Preserve At Northampton In Spring TX

UNDER CONTRACT in less than 2 weeks in #PreserveatNorthampton..with a pool of buyers sometimes smaller because of master up it was a welcome challenge for us because it's all about the!

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File Your Homestead Exemption To Help Reduce Your Property Taxes

Filing your Homestead Exemption is FREE and you can do it yourself! NEVER pay a FEE for it!Below are the Homestead Exemption WebsitesClick on the County Link to view the Homestead Exemption

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Wishing You A Happy New Year From Russell And Melissa Banki

A new year to dream big dreams, to set big goals and achieve all that you are wishing for! *P.S. Plus the purchase of a new home. ;)Happy New Year from our family to yours!All the

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Merry Christmas From Russell And Melissa Banki

Wishing everyone a Merry Christmas! May your day be filled with love, peace and joy! Love and Hugs, The Banki'sRussell and Melissa BankiBest Priced Properties Team - "Clients First"www

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Brand New Property Owner In Houston TX

Just blessed to have some of the best clients. 🤗 This young lady closed on her very first home recently! #investedinrealestate #buywithbestpricedpropertiesteam #MelissaBanki

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7 Things That Will Not Increase Your Home Value

Photo credit: The Balance In fact, these improvements may turn buyers off By: Elizabeth Weintraub Homeowners often assume that upgrades and renovations always make their place more

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Key To Selling Your Home

Below is simply the process of selling your home and the steps involved. What makes the difference in your outcome is who you choose to handle the sell of your home. This is key!Meet with a

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Houston Home Sales Hot In August Russell And Melissa Banki BestPricedPropertiesTeam Houston Homes

Consumers drive sales volumes to near-record levels as interest rates stay lowHOUSTON — (September 11, 2019) — Temperatures weren’t the only thing soaring in August. Home sales registered

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Houston Homes Sales Heat Up In August Russell And Melissa Banki BestPricedPropertiesTeam Montgomery

Take a FRESH Look at Houston Housing - FRESH REPORT for August 2019! Are you thinking about selling this Fall or Spring of 2020?Make an appointment with us:  936-445-0216 or 713-480-0889

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Your Electrician Wants You To Stop Doing These Ten Things

5 Home Dangers Cited by ElectriciansThe leading cause of home fires is due to electrical mishaps, according to The Electrical Safety Foundation International. Certain habits of homeowners may be

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Happy Labor Day

“Choose a job you love and you will never have to work a day in your life.”Confucius#strongworkethic #honesty #integrity #tenacity #discipline #leadership #empathy

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New Master Planned Community Off FM242 In North Montgomery County TX

New master-planned community in Artavia! If you or someone you know is interested in being one of the first residences call Russell or Melissa Banki with the Best Priced Properties Team.

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Federal Housing Administration Issues Update To Condo Rules

HUD to Unveil New Condo Guidance That Could Boost SalesThe Department of Housing and Urban Development is expected to release updated guidance Thursday on condominium financing insured by the

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MLS Release The Houston Real Estate Market Heat Up In July

Home buyers push sales volumes to record highsHOUSTON TX — (August 14, 2019) — Consumers kept Realtors across greater Houston busy in July, accounting for the greatest one-month volume

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Foreclosures Fall 18 Percent From Last Year Q2

ATTOM: Foreclosures fall 18% from last year in Q2Foreclosure activity in the first half of 2019 shows downward trendForeclosure reports are down 18% from a year ago, according to a new report

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The 55 Plus Houston TX Housing Market Is Strong

The 55+ housing market is still going strongBuilder confidence in this sector remains solidAs more Baby Boomers look not just to downsize but to “rightsize” in their retirement years, the 55+

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7 Things To Avoid After Applying For A Mortgage

Congratulations! You've found a home to buy and have applied for a mortgage! You are undoubtedly excited about the opportunity to decorate your new home! But before you make any big purchases, move

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5 Outdated Seller Beliefs

5 outdated seller beliefs The success of HGTV and the plethora of online information has shifted the ground rules of real estate sales.Any seller who has not sold a home in the past five years

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June 2019 Residential Sales Statistics For The Greater Houston TX Area

HOUSTON HOME SALES FALL SHY OF LAST JUNE'S RECORD, BUT CONTINUE TO OUTPACE 2018 Housing inventory grows to pre-Harvey levelsHOUSTON — (July 10, 2019) — Despite continued

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Dynamic Duo In Houston Reveal Their 5 Favorite Places To Visit In The Bayou City

Kate Upton and Justin Verlander reveal their 5 favorite Houston haunts By Holly BerettoJun 28, 2019, 1:00 pm917Verlander and Upton share their favorite places to visit in Houston in theNew

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Houston TX And Surrounding Cities Still Seeing Low Inventory Levels

In general many areas in Greater Houston and surrounding cities is still seeing low inventory levels and multiple offers which makes it an ideal time to sell and move up or down size into your dream

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May 2019 Residential Sales Statistics For Houston TX

HOUSTON HOME SALES AND PRICES GAIN MOMENTUM IN MAYSupply of homes outpaces 2018, helping to meet increased demand Credit: HARHOUSTON — (June 12, 2019) — Encouraged by continued low

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February 2019 Residential Sales Statistics For Houston TX

HOUSTON HOME RENTALS SOAR IN FEBRUARY WHILE SALES RECOVER Sales of single-family homes in the $500K-$750K range perform bestHOUSTON — (March 13, 2019) — After a generally mixed

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New Healthy Restaurant To Open In The Woodlands TX Soon

When the health-conscious restaurant concept Flower Child will open its Woodlands locationRebecca Hennes CHRONThe new Flower Child location is expected to open by March at 1900 Lake Woodlands Drive,

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Think You Should FSBO In Houston TX And Surrounding Areas Think Again

Some Highlights:For Sale By Owner (FSBO) is the process of selling real estate without the representation of a real estate broker or real estate agent.According to the National Association

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Reason It Does Not Make Sense To Wait For Spring To Sell Your Home In Houston TX

The price of any item (including residential real estate) is determined by the theory of ‘supply and demand.’ If many people are looking to buy an item and the supply of that item is limited,

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Avoid Mistakes Buyers Often Make When Purchasing A Home In Spring TX And Surrounding Areas

Whether you are purchasing your first home, moving up, downsizing or managing a rental property, or looking for commercial or investment real estate, a REALTOR is the trusted professional who

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Purchasing A New Home In Spring TX What Happens If You Wait Until Next Year

What If I Wait Until Next Year to Buy a Home?We recently shared that national home prices have increased by 6.7% year-over-year. Over that same time period, interest rates have remained

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Some Many Beautiful Homes For Sale In Spring Texas The Woodlands TX And Conroe TX

Some Highlights:With interest rates still around 4.5%, now is a great time to look back at where rates have been over the last 40 years.Rates are projected to climb to 5.1% by this time next year

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Many Remodeling Projects Not Generating The Resale Value For Homes In Houston TX

"The recently released Cost vs. Value Report for 2018  from Remodeling magazine shows many of the 20 most popular remodeling projects are not generating the resale value they once did"Thinking

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Homes Are More Affordable In Spring TX Today Than 1985 To 2000

Homes More Affordable Today than 1985-2000 Rising home prices have many concerned that the average family will no longer be able to afford the most precious piece of the American Dream –

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Best Priced Properties Team Your Top Residential Real Estate Resource In North Houston TX

Honest, knowledgeable, resourceful and care about their client's individual needs. Your Montgomery County Real Estate Experts specializing in new construction, relocation, first time home buyer,

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Do Not Spend A Penny What You Need To Know When Buying A Home In The Houston TX Market

When you're in the process of buying a home, it's important not to accrue any new debts - especially after you've been pre-approved! This can (and likely will) affect whether you will actually get

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Historically May And June Are The Best Months To Sell Your Home In The Houston TX Market

This Just In: Data Says May is the Best Month to Sell Your HomeAccording to a newly released study by ATTOM Data Solutions, selling your home in the month of May will net you an

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New Swim School Will Open In Oak Ridge North In April 2018 In Spring TX

The city of Oak Ridge North will soon welcome Elmer Swim School to a brand new 6,016 square foot facility designed specifically for young children ages 6 months to 9 years in the Wood Ridge 

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Four Cost Effective Ways To Increase Your Home Value In Spring Texas

These four things can go a long way to boosting your home's value!1. Spruce up the paint job is an excellent way to add some immediate curb appeal for those potential buyers driving by. Just

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Looking To Purchase A Home In The Houston TX Market Learn How Your Interest Rate Is Determined

 Most people want the lowest interest rate on their mortgage loan but do you know what other variables can affect that interest rate? Below is a list of different variables.Loan amountLoan(

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The Benefit Of Purchasing A Home In The Houston TX And Surrounding Cities

Some Highlights:Historically, the choice between renting or buying a home has been a tough decision.Looking at the percentage of income needed to rent a median-priced home today (28.9%).

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Consider Donating To Habitat For Humanity In The Houston TX Market

Please help give back to your community by donating to Habitat for Humanity. Help generate funding for building through the donating materials or purchasing materials at ReStore. For those of you

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Now Is A Great Time To Sell In The Woodlands TX

If You’re Considering Selling, ACT NOW!! Definitely an aggressive headline. However, as the final data on the 2017 housing market rolls in, we can definitely say one thing: If you are

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Purchasing A Home In The Houston TX Market And Why Title Insurance Is Important To You

What is title insurance? Why is it important to a purchaser?Title insurance is issued to protect a purchaser (new-owner - mortgagor's policy) and the lender (mortgagee's policy) from loss of title

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Looking For Better Education Options For Your Children In Spring TX

January 23rd @ 7 pm Sojourn Academy Preview NightAre you seeking better education options for your children? Come visit Sojourn Academy on Tuesday, January 23rd at 7pm for their Preview Night and

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Happy New Year 2018

Best Priced Properties LLC Russell and Melissa Banki cell 713-480-0889 or 936-445-0216 Certified Negotiation Experts (CNE) Accredited Luxury Home Specialist (ALHS) Certified Home Selling

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What Is Included In The Sale Of A Home In Spring TX And Surrounding Cities

See below infographic for a helpful explanation of what's included in the sale of a home. The easiest analogy is to imagine that you turn your home upside down and what does not remain attached is

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Gorgeous Home For Sale In Rosharon TX In GATED Community Of Sterling Lakes At Iowa Colony

MOVE-IN READY! MUST SEE!!! 9922 Clear Diamond Dr. Rosharon, TX 77583 MLS# 40654509Gorgeous home in the GATED COMMUNITY of Sterling Lakes at Iowa Colony. Located on an OVER-SIZED CORNER LOT with

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Purchasing A Home In Houston TX And Surrounding Cities Utilizing VA Loans

Some Highlights:Since the creation of the VA Home Loans Program, 22 million veterans have been able to achieve the American Dream of homeownership.So far in 2017, $188 billion has been loaned to

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What NOT To Do Before Or During Closing On A Home In Spring TX

Below is a video from a mortgage lender discussing what NOT to do before or during closing on a home. At first I thought I would write about the important factors you must remember that can

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Planning To Move Up To A Luxury Home In Spring TX Now May Be The Best Time

Moving-Up to a Luxury Home? Now’s the Time!If your house no longer fits your needs and you are planning on buying a luxury home, now is a great time to do so! We recently shared data &

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Thinking Of Selling Your Home In Spring TX And Why You Should Do It Today

Thinking of Selling? You Should Do It TODAY!!That headline might be a little aggressive; however, as August 2017’s housing market data begins to roll in, we can definitely say one thing: If you

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Facts About New Insurance Law In Houston TX And Surrounding Cities

https://www.tortreform.com/news/facts-about-new-insurance-lawHere are four key points to remember about the new law:The legislation does not change the process for filing a property insurance claim,

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New School Now Open In The Falls At Imperial Oaks In Spring TX

Conroe ISD's Newest Elementary, Bradley EM, located at 4200 FALLS LAKES DR, CONROE, TX, 77386 is now open for Fall 2017. Students living in the addition of Cedar Cove in The Falls at Imperial Oaks

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NEW Grand Oaks High School In Spring TX Selects First Principal

The Conroe Independent School District board recently approved the appointment of the first new principal of Grand Oaks High School, a new campus set to open next fall 2018. Dr. Chris Povich

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EXXON MOBIL To Move 1600 Employees To North Houston TX Springwoods Campus

Irving, Texas-based Exxon Mobil Corp will move 1,600 of its XTO Energy subsidiary's employees from Fort Worth to the Houston area. 1,200 employees will move to the 385-acre campus Exxon opened in

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Why Working With A Local Houston TX Real Estate Expert Makes Sense

Why Working with a Local Real Estate Professional Makes All the Difference  If you’ve entered the real estate market, as a buyer or a seller, you’ve inevitably heard the real estate

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Find Out The Number 1 Reason To List Your Home Now In The Spring TX Market

#1 Reason to List Your House for Sale, NOW!  If you are debating listing your house for sale this year, here is the #1 reason not to wait! Buyer Demand Continues to Outpace the Supply

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Houstons First Ever Crystal Lagoon Is On Its Way To The Bayou City In The Balmoral Neighborhood

Houston's first ever crystal lagoon is part of the Balmoral development, a 580-acre enclave offering both gated and non-gated neighborhoods. Some of these neighborhoods are lakeside.  During

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Move Into Your Dream Home In The Woodlands TX

Is 2017 the Year to Move Up to Your Dream Home? If So, Do It Early!If you are considering moving up to your dream home, it may be better to do it earlier in the year than later. The two components

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What You Need To Know About Qualifying For A Mortgage In Houston TX

Some Highlights: Many buyers are purchasing a home with a down payment as little as 3%. You may already qualify for a loan, even if you don't have perfect credit. Take advantage of the

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Coming Soon Listing In Porter TX On Acreage With Mother In Law Quarters

COMING SOON listing in Porter on 1.8 wooded acres with a custom built mother-in law quarters and HUGE 2nd game room! Beautiful curb appeal and lots of living space with 4991

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Happy Sellers In Heritage Park In Friendswood TX

Very happy sellers! 6215 Leigh Canyon Dr Friendswood TX 77546- List Price $221,900 and Sold for $225,000 in 4 days with multiple offers received. Was a referral from a current seller in Conroe. This

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HP To Build New Campus In Springwoods Village In Spring TX

New HP Campus to be built in Springwoods Village just north of The Woodlands. Construction set to begin early 2017 and completion planned for 3Q 2018. HP will occupy 378,000 square feet in two

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Happy New Year From Your Team At Best Priced Properties Top Real Estate Resource In Houston TX

We wish that the coming year bring in your life new spirit and new joys…. May you be blessed with moments of happiness with your loved ones and great success in your life…. We will look forward

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Huge Savings In Barton Woods In Conroe TX This Weekend Only 20K Off All Anglia Home Inventory

OPEN HOUSE Saturday & Sunday Nov. 26th & 27th from Noon-4pmHUGE SAVINGS Extended THIS WEEKEND!   $20,000 off all Anglia Home Inventory!!!! Prices start in the low 220..

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Partner With The Top Real Estate Experts In The Houston TX And Surrounding Cities

If you are looking to sell your home, call the agent that has hundreds of Buyers in waiting! At Best Priced Properties, we have active, approved or cash buyers who are actively looking for a home in

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Coming Soon Properties In Spring TX Conroe TX The Woodlands TX

Looking to purchase a home soon but haven't found the right one yet? Contact Best Priced Properties today! We have on average 5+ coming soon properties that have not hit the MLS and one of

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New Listing In North Houston TX Seller Has Made Ready For Immediate Move In

OPEN HOUSE : Saturday, Nov. 11/19 - 11:00 am to 4 pm! Come out and say hello and get a chance to view this NEW Listing in North Houston Texas...Clean, neat and ready for IMMEDIATE Move-in just

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OPEN HOUSE In Cypress Creek Crossing Houston TX Sunday November 13th Noon To 4 Pm

Best Priced Properties LLCto host OPEN HOUSE Sunday, November 13th Noon to 4 pm14314 Cedar Pine Court, Houston TX 77068Stop by and say hello to us. Pam Jones Certified Real

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JUST LISTED In Cedar Woods 2233 Maple Point Dr N In Conroe TX 77301

Fantastic NEW Energy Efficient home in Cedar Woods. Under construction but should be completed end of November beginning of December just in time for the holidays! Great curb appeal. Open

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The Day And Life Of Top Listing Agents In The Houston TX Market

Click the Below ImageMelissa Banki  936-445-0216 (CHSA) (CHBA) Best Priced Properties Certified Expert Home Selling and Buying Advisors. Ask us about our Smart Home

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Number Of First Time Home Buyer In The Houston TX Market Has Increased

According to Realtor.com 35 percent of buyers within the market are first-time home buyers. This number has increased to 51 percent this year. As more first-time home buyers enter the

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The Top Reason To List Your House For Sale Now In Houston TX And Surrounding Cities

The Top Reason to List Your House For Sale Now!If you are debating listing your house for sale this year, here is the #1 reason not to wait! Buyer Demand Continues to Outpace the Supply of

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Did You Know Even A Small Increase In Interest Rates Drastically Impacts Your Budget

Some Highlights:Interest rates have come a long way in the last 30 years.The interest rate you secure directly impacts your monthly payment and the amount of house that you can afford if you plan to

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