🔑 16th Dec 2024 - Latest big Rate cut could spell good News for Homebuying!

💥 Monday 16th December 2024 💥 Toronto Real Estate Fixer Upper - Myths & Facts! Toronto Real Estate Today: Hot Trends! "Empower Your Next Move: Free Reports & Handpicked Listings!" "Toronto’s real estate market is currently experiencing a wave of hot trends, with new shifts catching the attention of both buyers and investors. One notable trend is the increasing demand for more spacious suburban homes, as many buyers look for properties that offer both comfort and affordability. The multi-family home market is also seeing growth, with investors seeking opportunities in up-and-coming neighborhoods. At the same time, the downtown condo market is showing signs of recovery, particularly in areas with convenient access to transit and local amenities. A significant trend that’s gaining traction is the rise of rent-to-own options, as more buyers explore flexible homeownership pathways due to higher interest rates. Additionally, pre-construction properties remain a popular choice for investors seeking long-term gains. With a changing landscape, staying informed on these hot trends is essential for navigating Toronto’s dynamic real estate market." What Are the Social and Environmental Considerations Involved in Renovating Fixer Upper Properties, and How Can Buyers Navigate Them? Renovating fixer-upper properties can be an exciting way for buyers to add value to a home and personalize it to their tastes. However, there are several social and environmental considerations that buyers should be aware of when undertaking such a project. These factors can influence both the overall success of the renovation and the long-term impact on the community and environment. Below is an exploration of these considerations and strategies for navigating them effectively. Social Considerations in Renovating Fixer-Upper Properties Community Impact: Gentrification Risks: Renovating homes in certain neighborhoods, particularly those undergoing gentrification, may unintentionally drive up property values and rents, displacing long-term residents who can no longer afford to live there. This can lead to changes in the social fabric of the neighborhood. Community Relations: Renovation projects, especially large ones, can affect neighbors and the local community. Buyers should be mindful of the impact their renovations may have on surrounding homes, such as increased traffic, noise, or reduced access to shared spaces. How to Navigate: Before committing to a fixer-upper, research the local community and consider how your renovation may affect existing residents. Engage with neighbors early to discuss your plans and ensure they understand your intentions. This can foster good relationships and possibly even support for your project. Consider investing in a neighborhood revitalization project that improves the area while still maintaining the affordability and character of the neighborhood. Social Equity in Housing: Home renovations in low-income areas can exacerbate issues of inequality by making housing unaffordable for current residents. Renovations that increase home values significantly may contribute to housing affordability issues. How to Navigate: Consider adopting a socially responsible renovation approach. This could include making the renovated property affordable to potential buyers or renters by pricing it reasonably or using the property as a means to support community projects. Participating in or encouraging affordable housing initiatives can help mitigate these issues. Environmental Considerations in Renovating Fixer-Upper Properties Energy Efficiency and Sustainability: Older homes are often less energy-efficient, with outdated heating, cooling, and insulation systems that can lead to high energy costs and a larger environmental footprint. Buyers should consider incorporating green building practices during the renovation process, such as installing energy-efficient appliances, using sustainable materials, and improving insulation. How to Navigate: Energy Audits: Start by conducting an energy audit of the home before beginning the renovation. This will help identify the most effective improvements for energy efficiency, such as upgrading windows, insulation, and heating/cooling systems. Invest in green materials and eco-friendly solutions, such as bamboo flooring, low-VOC paints, and energy-efficient lighting, to reduce the environmental impact of the renovation. Waste Management and Recycling: Renovations often generate a significant amount of waste, especially when tearing down walls, floors, or outdated fixtures. This can lead to increased landfill waste, harming the environment. How to Navigate: Deconstruction vs. Demolition: Whenever possible, opt for deconstruction rather than demolition. This involves carefully removing and reusing materials such as hardwood flooring, windows, and doors, instead of throwing everything into a landfill. Work with contractors who prioritize sustainable waste management practices. Ensure that recyclable materials, like metal, wood, and glass, are disposed of responsibly. Consider donating reusable items such as appliances, cabinetry, or fixtures to local charities, which can provide them to those in need while reducing waste. Preserving Natural Resources: Some renovations may involve changes that affect the property’s outdoor environment. For instance, removing trees or altering landscaping can have an impact on local biodiversity and the surrounding ecosystem. How to Navigate: Preserve existing trees and greenery when possible. These elements contribute to the property’s ecosystem by providing shade, reducing energy consumption, and helping with stormwater management. Incorporate native plants into your landscaping, as they require less water and maintenance while supporting local wildlife. Design your outdoor space with sustainability in mind to avoid disrupting the local ecology. Building Codes and Regulations: Many renovations require adhering to local building codes and zoning regulations that aim to protect the environment. These regulations can include rules about waste disposal, energy use, and environmental protection. How to Navigate: Work with a professional contractor or architect familiar with local building codes, and make sure all required permits are obtained. This ensures that your renovations comply with regulations and do not inadvertently harm the environment. If you’re renovating an older home, check for hazardous materials like asbestos or lead paint. Proper handling and disposal of these materials are necessary to minimize health risks and environmental damage. Conclusion Renovating a fixer-upper property is not just about improving the house itself—it also involves navigating social and environmental considerations that can have far-reaching effects. Buyers should be conscious of the impact their renovations might have on the local community, particularly in terms of gentrification and affordability. Additionally, they should adopt sustainable practices that minimize the environmental impact of their renovations, from energy-efficient upgrades to responsible waste management. By approaching renovations thoughtfully and responsibly, buyers can not only enhance the value and functionality of their properties but also contribute positively to the environment and the community. Engaging with professionals who are well-versed in sustainable practices, understanding local zoning laws, and fostering good relationships with neighbors are all essential steps in ensuring that a renovation project is successful, socially responsible, and environmentally sound. "🔥Toronto Real Estate: Hot News & Trends 🏡" Latest big rate cut could spell good news for homebuying The Bank of Canada’s climbdown on rates continues – and housing market prospects are improving as a result, says BMO's Porter mpamag.com Read More ... Property owner stunned after tenant leaves Chilliwack rental home in complete disarray CHILLIWACK - Longtime Chilliwack resident Tony Gore of the Gore Brothers construction family estimates it migh... fraservalleytoday.ca Read More ... Toronto’s housing market grapples with price drops and flat sales in 2024 Discover the current state of the Toronto housing market in 2024. Explore the trends in home prices, sales, and inventory. realestatemagazine.ca Read More ... Another Bank of Canada Rate Cut and New Mortgage Rules In its December 11 announcement, the BoC reduced its benchmark rate to 3.25%. This reduction complements upcoming new mortgage rules, designed to help reduce the barriers that exist for first-time homebuyers and renewers. rbcroyalbank.com Read More ... Bank of Canada lowers key interest rate by 0.5% - MoneySense On Wednesday, the central bank announced a jumbo rate cut—its fifth cut in a row since June—and signalled a slower pace for future decreases. moneysense.ca Read More ... Asking rents in Canada fall to 15-month low - Indo-Canadian Voice AVERAGE asking rents for all residential property types in Canada declined to $2,139 in November, marking a 15-month low, according to the latest National Rent Report from Rentals.ca and Urbanation. Rents fell 1.6% compared to November of last year, with average asking rents decreasing 0.6% month-over-month, continuing the trend seen in October, when rents fell 1.9% month-over-month. Much of […] voiceonline.com Read More ... Will the Bank of Canada’s latest jumbo cut add fuel to the warming housing market? With the overnight rate now at 3.25%, the housing market may be set to embark on a bumpy ride. rates.ca Read More ... Toronto rents hit 28-month low in November: report - NOW Toronto A new report shows that apartment rents in Toronto are the lowest they’ve been in over two years. According to the December 2024 Rent... nowtoronto.com Read More ... Bank of Canada Makes Supersized Cut, Fears Immigration Shift Will Slow GDP - Better Dwelling Canada’s central bank announced another “supersized” rate cut this morning, as widely expected by the market. The Bank of Canada (BoC) overnight policy rate was slashed to 3.25% after being trimmed by a 50 basis points (bps) drop. This marked the fifth consecutive cut to the rate, and the second supersized cut—a move typically only […] betterdwelling.com Read More ... What Canadian landlords are charging for rent, according to a just-released report A new report says average asking rents fell nationally on a year-over-year basis to $2,139 in November, marking a 15-month low. ctvnews.ca Read More ... Experts react to Bank of Canada interest rate cut For the fifth consecutive time, the Bank of Canada has cut its key interest rate. Down half a per cent, the rate now sits at 3.25 per cent. london.ctvnews.ca Read More ... London Ont.'s funny billboard guys take serious stand against renovictions A pair of real estate brokers are backing their words with time and money, after committing to retain a tenant living in a deeply affordable apartment above their future office space. london.ctvnews.ca Read More ... Home sells at a huge $550K loss in Oakville | insauga Another home has sold for a huge loss in the GTA. While the Bank of Canada just announced another big rate cut this week, many homeowners are struggling with borrowing costs after buying at peak high prices. There have been several examples of homes selling for a loss this year in Ontario. Many have been […] insauga.com Read More ... A potential 30% increase in first-time home buyers could be coming to Ontario | insauga Experts are weighing in, as recent trends indicate that January could be a boom time for real estate in Ontario. This past week, the Bank of Canada announced that it would reduce the overnight interest rate to 3.5 percent. Even if this is the last dip for a while, economists believe that first-time homebuyers may have […] insauga.com Read More ... Bank of Canada rate cut: What are industry leaders saying? Lenders, economists weigh in on the impact of lower rates on mortgage renewals mpamag.com Read More ... Bank of Canada rate cut drives early spring housing market projections Lower rates expected to boost homebuyer demand, with experts predicting market activity to heat up wealthprofessional.ca Read More ... Canada’s Existing Mortgage Borrowers Get Relief, Won’t Motivate Buyers: BMO - Better Dwelling Canadian real estate buyers may be disappointed by the lack of relief they got from a supersized rate cut. A new BMO investor memo explains the Bank of Canada (BoC) overnight rate cut only provides relief to variable rate mortgages and HELOCs. Since more popular fixed rate mortgages are cheaper, buyers hoping for a cheaper […] betterdwelling.com Read More ... ‘Stubborn’ fixed mortgage rates might not fall despite Bank of Canada cut - National | Globalnews.ca Even after a second consecutive 50-basis-point interest rate cut on Wednesday, some experts warn fixed mortgage rates in Canada will not move materially lower. globalnews.ca Read More ... Bank of Canada interest rate drop good news for mortgage holders A major cut to the Bank of Canada’s key interest comes as welcome news to realtors and those holding variable rate mortgages – but it also signals a growing sense of uncertainty about the broader Canadian economy. bc.ctvnews.ca Read More ... Making sense of the Bank of Canada interest rate decision on December 11, 2024 - MoneySense How the BoC’s fifth consecutive rate cut will impact Canadians, and what to know whether you’re a borrower, investor or saver. moneysense.ca Read More ... "📝 Message from the Editor ✨" Welcome to my Newsletter Page! 🎉 I am a professional Real Estate Agent here in the Toronto GTA 🏙️ with an architectural background from India. With a unique combination of design and real estate knowledge, I am dedicated to helping clients find their dream home 🏡. My expertise in both fields allows me to understand the potential of a property and how to best showcase it to potential buyers 💡. I am committed to providing excellent service and going above and beyond for my clients 🤝. Let me help you navigate the real estate market and find your perfect property in the Greater Toronto Area & Surroundings 🌟. Contact me today! 📞(416) 275-2089 ✉️ Manoj@ManojAtri.com Click Here For Hot New Toronto Regional Real Estate Board [TRREB] MLS® Listings 🔗. Call | Email me for more Info on any GTA Listings, Buying, Selling, Investing or Homebuyer's queries 📩. Click Here to View Listings like Real Estate Agents 🏘️. Click Here For HOMES & CONDOS In Toronto 🏢. Click Here For PRE-SALE CONDOS in Toronto🏗️. How does Rent-To-Own Homes works 🤔? Click Here for Power of Sale Listings💼. Manoj Atri, REALTOR®  "🏡 Experienced Toronto GTA Sales Representative with Architectural Background 🏙️ My Forte: Power of Sale 🔑 Bank Foreclosures 🏦 Fixer-Uppers 🛠️ Rent-To-Own Homes 🏠 All Types of Credits: Low or Zero Down with Bank Cash-Back 💰 + Cash for Renovations Info 🛠️ & Much More! 📞✨" Re/Max Hallmark Realty Ltd., Brokerage 401-685 Sheppard Ave E, Toronto ON M2K 1B6 Cell: [416] 275-2089 | Office: [416] 494-7653 | Email: Manoj@ManojAtri.com Websites:   Homebuyer Hub | ManojAtri.com | SearchRealEstateInToronto.ca Rent-To-Own Homes | ManojAtri.ReMaxHallmarkRealty.ca  Social Media: Facebook Profile • Blog • Pinterest • Tumblr Subscribe To My FREE Daily Curated Hot News Articles e-Newsletter! © Copyright 2023 ManojAtri.com All rights reserved. "Disclaimer: This Newsletter contains summarized content from various sources; full attribution for each article is provided in the original linked content. Articles and Podcasts in this newsletter are generated by AI." If you no longer wish to receive these Emails, please Unsubscribe Here

💼 6th Dec 2024 - When Your Landlord Is a Billion-Dollar Corporation!

💥 Friday 6th December 2024 💥 Divorce And Real Estate - FREE Report! GTA Hot News: Toronto Real Estate Highlights! "Unlocking Real Estate Potential: Expert Reports & Premier Listings!" "The GTA real estate market is buzzing with activity as Toronto continues to experience exciting shifts in property trends. Today's hot news highlights a growing demand for multi-family homes, especially in suburban areas, where buyers are seeking more space and better value. As inventory remains tight, bidding wars are becoming a common occurrence, particularly in desirable neighborhoods like North York and Scarborough. Meanwhile, Toronto's downtown condo market is showing signs of recovery, with investors eyeing high-demand areas near transit hubs and employment centers. With interest rates and market uncertainty influencing buyer behavior, many are looking into creative financing solutions like rent-to-own programs and pre-construction opportunities. As the market continues to evolve, staying updated on these highlights is essential for anyone looking to make strategic real estate moves in the Greater Toronto Area." What Are the Tax Ramifications of Dividing Real Estate Assets During a Divorce, and How Can Couples Minimize Tax Liabilities? Dividing real estate assets during a divorce in Ontario, Canada, involves several complex considerations, especially when it comes to taxes. The division of property, including real estate, can result in tax implications that may increase the overall financial burden for both parties. However, there are strategies that couples can use to minimize tax liabilities. Below is a detailed overview of the tax ramifications and ways to mitigate them. Tax Ramifications of Dividing Real Estate Assets in a Divorce: Capital Gains Tax: Principal Residence Exemption: If the real estate being divided is designated as the principal residence (the home in which you live most of the time), capital gains on the sale of that property may be exempt from taxation under the Principal Residence Exemption. However, if the property is not designated as a principal residence for the entire time it was owned, or if the couple has multiple properties, the exemption may not apply to the entire capital gain. Capital Gains on Investment Properties: If the property being divided is not a principal residence, such as a rental or investment property, the sale or transfer of this property may trigger capital gains tax. Capital gains are calculated on the difference between the sale price and the property's adjusted cost base (ACB), which includes the purchase price and any improvements made to the property. Property Transfer Taxes: When transferring ownership of a real estate asset to a spouse or ex-spouse, land transfer taxes may apply, depending on how the property is being transferred. In Ontario, the Land Transfer Tax (LTT) is generally exempt in the case of transfers between spouses or ex-spouses under certain conditions, including the division of assets following a divorce. However, it is essential to check whether the transfer is eligible for this exemption, as the tax rules can be complex. Potential Impact on the Family Home: If the family home is being sold as part of the divorce settlement, the spouses must understand how the proceeds will be divided and how that could affect their future tax obligations. For example, one spouse may choose to buy out the other’s share, or the home may be sold and the proceeds divided. In either case, the tax exemption for capital gains (if applicable) should be considered. Division of Retirement Accounts (RRSPs or Pensions): While not directly related to real estate, the division of retirement savings (such as RRSPs or pensions) in a divorce can also have tax implications. If these accounts are divided as part of the settlement, taxes may be owed on any withdrawal from the accounts, and the division should be done carefully to minimize this liability. Strategies to Minimize Tax Liabilities: Maximize the Principal Residence Exemption: Ensure that the property being divided is properly designated as a principal residence for the duration of the ownership period. Both parties should confirm that the property qualifies for this exemption to avoid paying capital gains tax. If there is more than one property, be sure to designate the correct one as the principal residence for tax purposes. Use a Tax-Saving Strategy for Investment Properties: If the couple owns investment properties, it may be more beneficial to sell these properties prior to the divorce and split the proceeds. By doing so, the capital gains taxes on the property sale may be better managed, and the couple can use the funds to facilitate the division of assets. Alternatively, a tax-deferred transfer (via a rollover) between spouses may be an option, allowing the property to be transferred without triggering capital gains tax immediately. The tax liability would then be deferred until the property is eventually sold or transferred to a third party. Offset Capital Gains with Losses: If one of the parties is selling or transferring an investment property with a capital loss (meaning the property is worth less than what was paid for it), this loss can be used to offset capital gains in the divorce settlement. This strategy can help reduce overall tax obligations. Structure the Property Transfer Strategically: Couples can consider spreading out the transfer of real estate over multiple years to minimize the immediate tax impact. By transferring assets gradually, the capital gains taxes may be reduced over time. However, this must be done in compliance with tax regulations. Consider Using Professional Advice: Given the complexity of tax rules, it is essential for divorcing couples to consult with a tax professional or financial advisor to understand the full scope of the tax consequences of dividing real estate assets. A professional can provide guidance on how to structure the division of assets in a way that minimizes tax burdens and aligns with both parties' financial goals. Conclusion: Dividing real estate assets during a divorce in Ontario can have significant tax consequences, but with careful planning and strategic decision-making, couples can minimize these liabilities. By utilizing tax exemptions for principal residences, considering the timing of property sales, using rollover provisions, and seeking professional advice, divorcing couples can effectively manage and mitigate the tax ramifications of property division. It's crucial to be proactive in understanding the full tax impact of each decision and work with experts to ensure that the division of real estate assets does not result in an unnecessary tax burden for either party. "🔥Toronto Real Estate: Hot News & Trends 🏡" When Your Landlord Is a Billion-Dollar Corporation | The Walrus Real estate trusts are sending rents soaring and reshaping Canada’s cities thewalrus.ca Read Now ... GTA Home Sales Up Substantially in November – TRREB trreb.ca Read Now ... Real Estate Agents Across Canada Share Their 2025 Predictions - HGTV Canada What does 2025 hold for Canada's housing market? We asked real estate experts across the country for their take. hgtv.ca Read Now ... Manoj Atri, REALTOR® on X: "🏡 Interest Rates Drop, Prices Follow – A Rare Phenomenon 📉" / X x.com Read Now ... Here's how much Toronto home prices are expected to increase next year Greater Toronto Area (GTA) homes are expected to grow even pricier in 2025 as experts predict competition will only increase following a massive Bank… blogto.com Read Now ... Toronto Real Estate Prices Rise Despite Unusually High Inventory - Better Dwelling Greater Toronto real estate buyers are returning, but the market has a long way to go. Toronto Regional Real Estate Board (TRREB) data shows that both sales and home prices climbed in November. The positive market news is overshadowed by the unusually lofty levels of inventory that continue to rise. Rising prices demonstrates FOMO is […] betterdwelling.com Read Now ... CMHC reports: Two million mortgages to hit ‘renewal cliff’ in 2025 and 2026 By Tom Parkin December 5th, 2024 BURLINGTON, ON Mortgages contracted at the ultra-low rates of 2020-22 will cost $15B a year more in payments; over-mortgaged Toronto to be the epicentre. Individual… burlingtongazette.ca Read Now ... Two-thirds of Canadians can't comfortably afford mortgage above $1,700: survey A new report looking into homeownership affordability reveals an unsettling picture on how far out of reach owning a home is becoming in Canada. atlantic.ctvnews.ca Read Now ... Toronto home prices set to rise in 2025 but condo market on 'different trajectory': Royal LePage report While the Greater Toronto Area is expected to see a bump in home prices in 2025, condo prices will not recover next year, according to a new report by Royal LePage. cp24.com Read Now ... How the Bank of Canada Interest Rate Cut Impacts Real Estate Discover how the Bank of Canada’s interest rate cut impacts Canada’s real estate market, influencing buyers, sellers, and investors. gta-homes.com Read Now ... Cottage country municipalities are cracking down on short-term rentals. But are the bylaws working? It’s a patchwork system designed regulate the short-term rental industry. But are the bylaws working? And are they fair? cottagelife.com Read Now ... Toronto home sales jump as October rate cut marked turning point for market: expert Greater Toronto home sales jumped again last month on a year-over-year basis, with one real estate expert saying the most recent interest rate cut in October was enough to start luring buyers back into the market. toronto.ctvnews.ca Read Now ... Former tenant must pay landlord nearly $6,000 for damages Read the full story and comment on Tbnewswatch.com tbnewswatch.com Read Now ... Scotiabank sees rise in mortgage arrears but remains optimistic about renewals - Mortgage Rates & Mortgage Broker News in Canada In its fourth-quarter earnings call, the bank said higher-for-longer interest rates and elevated unemployment levels have put stress on some aspects of its portfolio. canadianmortgagetrends.com Read Now ... Toronto home sales are finally catching up with glut of listings as market heats back up Realtors who remained optimistic that Toronto's housing market would soon bounce back from its record fall from grace this year are finally being red… blogto.com Read Now ... Toronto home sales rise as lower interest rates bring buyers back to market Toronto home sales rose 40% in November from the year before as lower interest rates drew more buyers into the market. Read more financialpost.com Read Now ... Toronto house destroyed by fire priced at $1 million 242 Glen Park Ave. has been trying to sell since 2017, which is a long time of a house to sit on the market in Toronto... even with the recent slump … blogto.com Read Now ... What could the Bank of Canada's next interest rate announcement mean for mortgages and the real estate market? A mortgage expert weighs in "It’s clear Canadian citizens and businesses are increasingly feeling the effects of deepening 'me-cession' and steep cost of living," says Penelope Graham, a mortgage expert with mortgage lender Ratehub.ca. toronto.com Read Now ... Greater Toronto home sales continue post-rate cut surge: real estate board - Mortgage Rates & Mortgage Broker News in Canada Greater Toronto home sales jumped again last month on a year-over-year basis, with one real estate expert saying the most recent interest rate cut in October was enough to start luring buyers back into the market. canadianmortgagetrends.com Read Now ... This Ontario man’s tenants have not paid rent for more than 16 months, leaving him on the hook for $28,000 plus legal fees — now an eviction order is frozen. Is the system failing landlords? A Windsor landlord is struggling to evict tenants who haven't paid their rent in almost a year and a half. Can the Landlord and Tenant's Board do more? How you can protect yourself if this happens to you money.ca Read Now ... "📝 Message from the Editor ✨" Welcome to my Newsletter Page! 🎉 I am a professional Real Estate Agent here in the Toronto GTA 🏙️ with an architectural background from India. With a unique combination of design and real estate knowledge, I am dedicated to helping clients find their dream home 🏡. My expertise in both fields allows me to understand the potential of a property and how to best showcase it to potential buyers 💡. I am committed to providing excellent service and going above and beyond for my clients 🤝. Let me help you navigate the real estate market and find your perfect property in the Greater Toronto Area & Surroundings 🌟. Contact me today! 📞(416) 275-2089 ✉️ Manoj@ManojAtri.com Click Here For Hot New Toronto Regional Real Estate Board [TRREB] MLS® Listings 🔗. Call | Email me for more Info on any GTA Listings, Buying, Selling, Investing or Homebuyer's queries 📩. Click Here to View Listings like Real Estate Agents 🏘️. Click Here For HOMES & CONDOS In Toronto 🏢. Click Here For PRE-SALE CONDOS in Toronto🏗️. How does Rent-To-Own Homes works 🤔? Click Here for Power of Sale Listings💼. Manoj Atri, REALTOR®  "🏡 Experienced Toronto GTA Sales Representative with Architectural Background 🏙️ My Forte: Power of Sale 🔑 Bank Foreclosures 🏦 Fixer-Uppers 🛠️ Rent-To-Own Homes 🏠 All Types of Credits: Low or Zero Down with Bank Cash-Back 💰 + Cash for Renovations Info 🛠️ & Much More! 📞✨" Re/Max Hallmark Realty Ltd., Brokerage 401-685 Sheppard Ave E, Toronto ON M2K 1B6 Cell: [416] 275-2089 | Office: [416] 494-7653 | Email: Manoj@ManojAtri.com Websites:   Homebuyer Hub | ManojAtri.com | SearchRealEstateInToronto.ca Rent-To-Own Homes | ManojAtri.ReMaxHallmarkRealty.ca  Social Media: Facebook Profile • Blog • Pinterest • Tumblr Subscribe To My FREE Daily Curated Hot News Articles e-Newsletter! © Copyright 2023 ManojAtri.com All rights reserved. "Disclaimer: This Newsletter contains summarized content from various sources; full attribution for each article is provided in the original linked content. Articles and Podcasts in this newsletter are generated by AI." 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