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Cleveland's Last Days of Summer: Things to Do

Clevelands Last Days of Summer: Things to Do

Posted By Andrea Robinson
September 08, 2021 Category: General

With fall right around the corner, you may be worried that the summer fun is over. Don't worry; there are still plenty of exciting events in Cleveland this month! Here's a list of events that you don't want to miss. Doggy Brunch at Terrestrial Brewing Company Terrestrial Brewing Company hosts a delicious brunch every other Sunday of the month, and the best part is, you get to bring your dog! The farm-to-table style menu boasts a variety of healthy, tasty food. Your dogs are in for a treat, too, because Spoiled Dog Boss brings the goodies! Alcohol will be available for purchase, and they will donate a portion of beer sales to a dog organization. The event runs from 10:00 AM to 3:00 PM, and the next brunch will be Sunday, September 12th. 10th Annual Crocker Park Wine Festival Who doesn't love drinking wine for a good cause? Starting Friday, September 17th, to Saturday, September 18th, Crocker Park will be hosting the 10th Annual Wine Festival. This benefit for University Hospitals Rainbow Babies & Children’s Hospital offers a selection of 150 wines. Ticket prices vary, so check out their website for more information. Tremont Arts and Cultural Festival Experience the rich art and culture of Cleveland at the Tremont Arts and Cultural Festival. From September 18th to September 19th, enjoy this free event located in Lincoln Park. There are over 130 vendors and artists selling their work. Live music and dance performances will be sure to entertain p

Title Insurance Terms to Know

Title Insurance Terms to Know

Posted By Andrea Robinson
August 31, 2021 Category: General

Buying a new house can sometimes seem like navigating through uncharted waters: unfamiliar territory filled with terminology and procedures completely foreign even after consulting professionals and other resources! We have compiled a list of ten title insurance terms to know before buying a home.   Title: A title is a legal document that proclaiming an individual's right to ownership of a property.   Abstract of Title: An abstract of title is a summary of public records concerning a specific piece of land.   Chain of Title: A chain of title is a document that details the title transfers of a piece of property throughout the years.   Certificate of Title: When an attorney examines abstracts or chains of title, a certificate of title is a written opinion upholding the validity of the title's abstract.   Examination of Title: The examination of title is the report on the title of a property from the title's abstract or public records.   Loan Policy: A loan policy protects the lender's interest against loss due to title defects. It acts as an insurance policy by upholding the validity, enforceability, and priority of the lien of a mortgage.   Owner's Policy: An owner's policy is title insurance for the property owner, not the lien holder.   American Land Title Association (A.L.T.A): A.L.T.A is an organization of title insurance companies that have adopted certain insurance policy forms

Why You Should (Always) Get the Title Insurance

Why You Should (Always) Get the Title Insurance

Posted By Andrea Robinson
August 24, 2021 Category: General

Title insurance is one of the most important purchases a homeowner can make. We are here to help you understand why it's crucial to purchase title insurance. It offers financial security and protection, putting your mind at ease and free of worries from any unexpected situations that may arise. When you purchase a home, you receive the property's title. The title gives you the legal rights to own the property. The property's history is reviewed during the title search process to determine if any issues could pose a problem to your ownership. Sometimes, title searches fail to discover critical title defects that can put your homeownership rights at risk. Title insurance assures you that the title search will not miss any types of defects, and if it does, then your policy covers the cost. An owner’s title insurance policy differs from other types of insurance because you are protected against any claims that can arise from past occurrences, such as liens, conflicting wills, or back taxes. Defects in titles can be costly, so taking advantage of this protection is vital. If you are worried about monthly costs associated with title insurance, don't be. Title insurance is a one-time-only premium; the price of your home determines the cost, and it lasts as long as you own your property. Most of your fees go toward the title insurance process, clearing title requirements, and examining documents; your premium ensures that you and your property rights are pr

5 Summer Desserts You NEED to Try

5 Summer Desserts You NEED to Try

Posted By Andrea Robinson
August 17, 2021 Category: General

It's summer, and you know what that means - it's time to get out the grill and make some of those delicious BBQ foods! But when you're done grilling for dinner, don't forget dessert! Here are five awesome desserts that will satisfy your sweet tooth this summer. 1. Berry Parfait This parfait is a cool and refreshing dessert that you can make in minutes. Use store-bought pound cake, whipped cream, berries, agave syrup to make the marinade for your fruit topping. Layer all ingredients into wine glasses before serving cold! The perfect compliment during these hot summer months in any season of the year with family or friends. 2. Margarita Cupcakes Nothing says summer like a cold pitcher of margaritas, and these cupcakes are the perfect way to celebrate. The moist cake is sprinkled with lime zest for added flavor. Drizzle them with tequila syrup if you want an extra kick. 3. Mocha Torte A frozen chocolate and coffee cheesecake that will satisfy your sweet tooth. The Oreo crust adds plenty of chocolaty flavors, while a creamy filling made from cream cheese, chocolate syrup, condensed milk, and coffee makes it the perfect treat to cool down with on these hot summer days. Folding whipped cream through the mixture helps to incorporate air for a rich texture. Top with Bailey’s whipped cream for something even more decadent. 4. Passionfruit and Prosecco Jello Cups Jello isn’t just for kids. This grown-up version is made with sweetened passion f

No, We're Not Entering Another 2008 Housing Bubble.

No, Were Not Entering Another 2008 Housing Bubble.

Posted By Andrea Robinson
July 29, 2021 Category: General

The 2008 Housing Crisis still weighs heavy in many Americans' minds. As the housing market continues to heat up, some may worry that another housing bubble is on the rise. Thankfully, the likelihood that another housing bubble will occur is low.  After 2008, the mortgage industry went through a total overhaul. The market was less regulated, so people were obtaining home loans that could not pay them back. The mortgage industry is more regulated now than in 2008 because of the fallout from the Housing Crisis, so a housing bubble is unlikely. People now have to go through a much stricter process to qualify for a mortgage loan. The federal government also created the Consumer Financial Protection Bureau to regulate and enforce these more stringent standards on the financial sector.  If you are still concerned about the soaring home prices, don't be; it is merely a matter of supply and demand. Due to historically low interest rates, more people are looking to buy homes than are available. The limited supply of homes is driving up home values. Also, Covid halted the supply of raw materials needed for home construction. Once new home construction is completed, home prices will begin to fall.  The Federal Reserve is also keeping the housing market stable by its actions. It has purchased $1 trillion worth of mortgage-backed securities to keep mortgage rates low and bond markets liquid. The Fed's preemptive actions quell any immediate signs of financial

Title Insurance Myths Debunked

Title Insurance Myths Debunked

Posted By Andrea Robinson
July 23, 2021 Category: General

Becoming a homeowner is a substantial financial step for most people. When purchasing your home, you want to make sure you do everything to protect your investment, which is why you should buy title insurance. Misconceptions surrounding title insurance can dissuade people from obtaining the essential coverage they need. At Ohio First Land Title, we understand the importance of purchasing title insurance, which is why we are debunking some of the most common title insurance myths. Myth: Title insurance offers little protection for the cost. False. For a one-time payment, title insurance protects you from incurring costs caused by defects in your property. Owner's title insurance ensures that you will not be financially responsible for claims against your property from previous owners, including liens, conflicting wills, and back taxes. Myth: I only need lender's title insurance. Almost all lenders will require you to purchase lender's title insurance, but it does not protect you as a homeowner. Lender's title insurance only protects the lender against loss, which is why you must purchase owner's title insurance to protect yourself and your property. Myth: Since I have homeowner's insurance, I don't need title insurance. Homeowner's insurance and title insurance are entirely different policies and having homeowner's insurance does not mean you do not need title insurance. Title insurance protects your right to ownership as a buyer an

Dog Days of Summer: The Best Ways to Cool Off in CLE!

Dog Days of Summer: The Best Ways to Cool Off in CLE!

Posted By Andrea Robinson
July 13, 2021 Category: General

You can always count on summertime in Cleveland to bring the heat. Make the most of the longer days by visiting these locations to keep you cool all summer. Edgewater Beach Edgewater Beach is the perfect place for a family outing, as it offers serene Lake Erie sunsets and views of downtown Cleveland. Located in lower Edgewater Park, this 2400 foot beach has 1000 feet of swimming access with places designated specifically for dog lovers! Waterworks Family Aquatic Center This waterpark has something for everyone. Located in Cuyahoga Falls, it is home to a lazy river, waterslides, pools, cabanas, and more. If you are not a member, day passes are available for residents and non-residents of Cuyahoga Falls. Parma Heights Pool If you are looking for a place to cool off while your kids have fun, the Parma Heights Pool is a great place to spend a hot summer day. It has two pools, waterslides, and a splash pad. This community pool is open to non-residents of Parma Heights for a slightly higher admission fee. Kalahari Indoor / Outdoor Waterpark The largest indoor waterpark in the whole of the USA is right here in Ohio! Kalahari’s Indoor Outdoor Waterpark has so many activities and rides that you're sure to find something for your family. What's more, there are no bad weather days at this place because it stays open 365 days a year! As summer continues to heat up, make sure you visit one of these locations to stay refreshed all season

Tips to Prevent Wire Fraud

Tips to Prevent Wire Fraud

Posted By Andrea Robinson
June 29, 2021 Category: General

Your bank account is one of the most important aspects of your life. It keeps track of your money, and you use it every day to pay for things like groceries, gas, and utilities. You may not think about it a lot, but if somebody else were to get their hands on your banking information, they could wreak havoc on your finances. That's why there are some simple steps that you can take to help protect yourself from wire fraud. For starters, make sure you're careful with what personal details or copies of ID that you give out online. If someone needs access to an account, then they should be present or if they are over the phone, have a secure verification process in place so that they can verify who they are before granting them access to sensitive information such as passwords and PIN numbers. Second, make sure to use two-factor authentication on all of your online banking platforms so no one can access and misuse the information in your account. If this is not possible for you, implement some steps that may slow down or stop unwanted activity from occurring, such as implementing a credit freeze. Review your credit report and bank statement monthly to stay current with the details of each statement. Third, don't store sensitive financial documents since this could easily lead to someone gaining unauthorized access if they manage to break through security barriers elsewhere. If you do end up storing them somewhere else besides your home, though, be sure that the l

The Benefits of Homeownership

The Benefits of Homeownership

Posted By Andrea Robinson
June 22, 2021 Category: General

Owning a home has many advantages, but one of the most important is that homeowners have more control over their living situation. When renting, you never know what might happen to your landlord or what might happen in the future. A homeowner can always make changes and fix up their home so it's perfect. Building Equity When you own your own home and pay off your mortgage each month, you build equity with every payment. Equity is the amount of value you have in an asset that is a powerful financial tool. Renting does not allow you to build equity like owning a home does. Consistent Mortgage Payments If you opt into a fixed-rate mortgage, your monthly payments will remain constant for the duration of your mortgage; regular monthly payments foster financial stability. Renting does not give the same level of security because rental prices can fluctuate. Increase Credit Rating Your credit score can affect your ability to qualify for loans, so owning a home is an excellent way to increase your credit score. Your payment history and credit age will improve your credit score when you make on-time payments. Tax Deduction for Mortgage Interest Any interest paid on a home mortgage is tax-deductible, which is an incentive that isn't available to renters. Homeowners can reduce their taxable income when they deduct the interest paid on a mortgage. For many people, owning a home is a personal goal that has plenty of benefits. At Ohio First Land Title, we can help you nav

Things to Do in Cleveland This Summer

Things to Do in Cleveland This Summer

Posted By Andrea Robinson
June 16, 2021 Category: General

Are you looking for something fun to do this summer in Cleveland? Look no further—here's a guide of exciting events and places to visit in Northeast Ohio! Crocker Park Summer Events The shopping center, which is in Westlake, has a slew of summer events planned for all ages. Their weekly activities, including live music, a farmer's market, yoga, and more, are being held now through Labor Day. In addition, their kid-friendly activities include a splash pad and an express train that children can ride around the grounds. Throughout the summer, Crocker Park will also host 5k's and bring in food trucks. Fifth Annual Flats Festival of the Arts From August 21, 2021, to August 22, 2021, artists will be exhibiting and selling their works in the Fifth Annual Flats Festivals of the Arts. This free event, which is in the Flats East Bank, will also include live music and dancers. Eventgoers are only a short distance away from various dining and entertainment establishments conveniently located nearby in the East Bank. Lakewood Truck Park This 12,000 square foot indoor/outdoor food truck park offers a rotating food truck selection, making it a great place to visit all summer long. Located on Detroit Avenue, the Lakewood Truck Park provides a wide variety of food options, including Mediterranean, Italian, Filipino, and more. The park also has two bars and hosts events throughout the summer. Tennis in the Land Topnotch Management will be hosting the first-ever prof

3 Myths About Title Insurance Debunked

3 Myths About Title Insurance Debunked

Posted By Andrea Robinson
June 03, 2021 Category: General

  The topic of title insurance is surrounded by misconceptions that keep home buyers from recognizing its importance. To help you better understand why you need title insurance, we will debunk some popular myths about how title insurance works and whether you need to purchase a policy.   1. The home is entirely new, so I don’t need it. Even when a home is brand new, the land where the house is built has still been owned by numerous people over the years. The age of the home has nothing to do with potential issues that could arise over ownership of the home. In addition, owning a new home comes with other potential problems. Items such as easements, restrictions, HOA liens, and other things could affect your ownership interest and use of the property.   2. I’m in good shape because there was a title search done at some point. A title search will examine the chain of title, legal description, check for judgments and ensure that the taxes are current on the property. An owner’s title insurance policy protects the buyer against anything that may have missed in the title search protecting one of your most valuable investments.   3. The sellers owned it for many years, and I don’t have anything to worry about. You might assume that there aren’t any issues if a home has been in a family for a long time. The amount of time a home has been owned has no bearing on whether or not it can come with title issues. A home that has be

Buyer Competition is High in Cleveland

Buyer Competition is High in Cleveland

Posted By Andrea Robinson
May 18, 2021 Category: General

  A shortage of homes for sale continues to increase prices by double-digit rates across the country. Those looking to purchase a home are being pushed to extremes to win bidding wars. While low-interest rates make borrowing less expensive, high home prices, low inventory, and tightened borrowing criteria are increased due to the Covid-19 pandemic. According to NerdWallet 2021, HomeBuyer Report found that 23 percent had plans to buy a home at the start of 2020, but 39 percent of that group delayed or canceled those plans, citing the pandemic and its effects.   With the housing market challenges, there are some hopeful solutions on the horizon. Realtors are coming up with some creative ways to showcase their local inventory. Most realtors are relying heavily on networking in person and online to find sellers and buyers. Many are using social media to connect and educate about available properties.   As buyers, it can be discouraging to continue to house hunt in these circumstances. Here are a few tips to use that can help set you apart from the competition.   · Get a mortgage preapproval · Look for homes under your budget so that you can bid up · Consider more than just one house, have a backup plan · Expand your search · Hire an experienced real estate agent   Good luck and happy house

3 Last-Minute Mother's Day Ideas

3 Last Minute Mothers Day Ideas

Posted By Andrea Robinson
May 06, 2021 Category: General

Whether it's your mother, your mother-in-law, or grandmother, you have a reason to celebrate the moms in your life. Mother's Day is just a few days away — so if you haven't started thinking about gifts quite yet, you may want to get started. Here is a list of gifts that will arrive in time for the holiday.   Personalized Handwriting Cutting Board This unique gift from Etsy showcases handwriting from you or a loved one engraved on a smooth, matte wood cutting board. Your mom can hang it as a display or use it for cooking in the kitchen — the bamboo composite is harder than wood and helps keep out bacteria. To place an order, send a clear photo of a recipe, and it will be engraved into the wood, a keepsake that she can appreciate for a long time.   Audible Subscription Give her the gift of reading with a subscription to Audible. She can access the most extensive catalog of audiobook content narrated by some of the most acclaimed voices in acting. The subscription cost is $15 for one month or $150 for one year, making it easy to listen to books where and whenever possible.   Apple Watch Series 6 Apple Watch models are water-resistant and are submersible up to 50 meters. This is a gift that is functional and stylish. An Apple Watch is like having a personal assistant on your wrist. Some of the tasks that this device can help manage are your schedule, workout routines, daily reminders, and more! The watch is available in GPS or cel

What Does It Mean to Be in a Seller's Market?

What Does It Mean to Be in a Sellers Market

Posted By Andrea Robinson
April 26, 2021 Category: General

The supply of homes for sale is not keeping up with this strong demand, making now an excellent time to sell your home. According to The National Association of Realtors (NAR) shows the inventory of houses for sale is low, sitting at just a two-month supply at the current sales pace. Typically, a six-month supply is necessary for a normal market where there are enough homes available for buyers. In a seller’s market, homes sell quicker, and buyers must compete to find an ideal property. Due to the housing shortage, these conditions often lead to bidding wars asking above what the seller asked. Other signs of a seller’s market include homes selling faster than usual within a few days or even hours in some instances and higher selling prices. Sellers have the advantage and can sell their homes for a higher asking price. If you are considering selling your home now, the odds are in your favor. When putting your home on the market, working strategically is best. For example, put your house for sale at the end of the week because prospective buyers frequently shop for homes on the weekend. Ensure that your home is in great shape for potential buyers when viewing your home, including the interior and exterior. The current real estate market conditions indicate that it is a good time to be a seller. Additionally, when selling your property, ensure that you enlist the help of a well-seasoned realtor to get the best price, and real estate agents have the knowledg

Springtime in Cleveland: Events You Won't Want to Miss

Springtime in Cleveland: Events You Wont Want to Miss

Posted By Andrea Robinson
April 13, 2021 Category: General

Spring is one of the best seasons to enjoy all that our beautiful city has to offer! After a challenging year, we can carefully resume our regular activities and appreciate the exciting attractions that make Cleveland a place to remember. Let’s take a look at a few activities that you don’t want to miss out on this Spring. One of the best things about Spring is are the new blooms and green foliage that starts appearing. In Northeast Ohio, we are lucky to be surrounded by the beautiful Metroparks that come alive. Brecksville Reservation – The entire family can enjoy the Wildflower Loop trail, where various wildflowers are labeled as they bloom. Or check out the North Chagrin Reservation, where The Scenic Loop Trail is an excellent spot to see lots of native wildflowers blooming. Another way to enjoy the warmer weather is to plan a bike ride with friends or spend time solo to meditate on the tranquil scenery. Some favorite bike paths to visit are Cleveland Lakefront Bikeway Trail that is 17 miles running along the Lake Erie shoreline, connecting Euclid and Lakewood via Cleveland. Or ride the Ohio to Erie Trail that will eventually run Ohio's length, connecting Cleveland and Cincinnati. It connects Cleveland to Akron via the Ohio & Erie Canal Towpath Trail, which takes you through the beautiful Cuyahoga Valley National Park. Just in case it’s raining when you decide to plan your adventure visit the Cleveland Aquarium, an underwater wonderland

Underwriting 101

Underwriting 101

Posted By Andrea Robinson
March 25, 2021 Category: General

Underwriting is the lender's process of calculating the risk of lending money to you. The mortgage lender must determine whether you can pay back the home loan before deciding whether to approve your mortgage application. A mortgage underwriter's job is to assess risk, meaning the entire risk if you would not repay the mortgage. Therefore, the underwriter evaluates factors that help the lender understand your financial situation, including: · Your credit score · Your credit report · The property you plan to buy During the process of home approval, there are two types of underwriters. Although they have the same job title, their responsibilities differ, and here is the definition of the role that each has during the process: · The financial underwriter – this is the individual that will authorize or decline your ability to get approved for a loan. They review the risk the financial institution will take on by lending you money. · The title underwriter will examine the title and check for possible issues that could arise during and after getting the house, building, or property title. If they feel the title is clear and you can take control, they'll approve you for a title insurance policy. Both work closely with the title company, but they do different things. Both of the underwriters work independently of each other. Each plays a crucial role in a real estate transaction. Once your mortgage is approved, your home purchase is

St. Patrick's Day in Cleveland 2021

St. Patricks Day in Cleveland 2021

Posted By Andrea Robinson
March 12, 2021 Category: General

Although the St. Patrick’s Day parade has been canceled this year, there is no shortage of activities this year. Here are a few events that you can enjoy (safely) to celebrate this spirited holiday! Plan Your Trip to Ireland On Thursday, March 11, 6 p.m., via Zoom, join travel expert Susan Becks as she presents highlights of Ireland, including must-see destinations, history, heritage, and traditions. She will share beautiful photos and take you on a trip without leaving your home. Register at mcdl.info/Irish. The Zoom link will be emailed to all registered participants before the event. You must have the link to access the event. St. Colman Church Morning Mass St. Colman Church has been celebrating the holiday with morning mass since it was built in 1918. This year's gathering at the historic church is noon on March 17th, and limited preorder tickets are available. It's also streaming live on Facebook. Savor a Tasty Reuben Get them plain or Reuben-style, but no matter how you cut it, these savory slices from Corky & Lenny's, Jack's Deli and Restaurant, Joe's Deli, Mister Brisket, and Slyman's Tavern are the best. Check out these restaurants for the best-corned beef sandwiches in Cleveland. It is recommended to preorder and get in line early to reserve your meals. Celebrate with an Irish Ale For those hoping to celebrate with a tasty Irish ale, Red, Wine & Brew in Mentor offers a great selection of beers and ales. Thirsty Do

Common Misconceptions About Title Insurance

Common Misconceptions About Title Insurance

Posted By Andrea Robinson
March 01, 2021 Category: General

Misunderstandings about title insurance are common among home buyers. Myths about title insurance have been told, preventing people from understanding the needed coverage. To help you understand why you need this type of insurance, let's discuss some common myths about title insurance. 1. There is only one kind of title insurance. Early in the home buying process, a title search is conducted to review the property's history and uncover any issues that could affect your right to ownership. After a thorough examination of public records, there can be hidden title defects, such as tax liens, claims by heirs, or recording errors. 2. Title insurance is a monthly or yearly expense. Title insurance is a one-time cost you pay at closing when you purchase or refinance a property. 3. Title insurance is costly. The one-time premium for an owner's title policy is based on your home's purchase price and is a small percentage of closing costs. Coverage is provided as long as you and your family own the property. 4. Homeowner's insurance and title insurance are the same. Title insurance protects a buyer's right to ownership and the mortgage company's investment. In comparison, homeowner's insurance is a policy that protects you against potential losses or damage experienced to the structure of your home or its contents during an insurable incident. 5. Title insurance isn't necessary when refinancing. An owner's title policy is valid as lon

5 Cybersecurity Tips While Working From Home

5 Cybersecurity Tips While Working From Home

Posted By Andrea Robinson
February 16, 2021 Category: General

According to Forbes, nearly 60% of full-time and part-time workers in the U.S. were doing their jobs remotely within the past year. It’s become a necessity for employees to work from home. With many of the workforce pivoting to working remotely, that raises how to improve cybersecurity to prevent any critical information from being compromised. Here are five ways that IT professionals recommend to protect your precious data. Create strong passwords – It is recommended to create a robust and lengthy password for every online account you log in to on an employer-issued device. Your password should be at least ten characters, excluding words or personal information. Additionally, combine uppercase and lowercase letters with numbers and special symbols to increase your password's difficulty and decrease the chances of someone hacking your data. Ensure that you are updating software as recommended – Programs and operating systems are updated regularly to prevent criminals from capitalizing on their weaknesses. Make sure your operating system is running the latest version. Enable automatic updates to make sure your systems are protected. Beware of phishing techniques - Phishers will try to make their requests appear authentic by replicating trusted senders' email addresses. Look for typos, added punctuation that’s not supposed to be there, and email addresses that use the correct username with the wrong domain. Utilize your corporate VPN

Last-Minute Valentine's Day Gift Ideas

Last Minute Valentines Day Gift Ideas

Posted By Andrea Robinson
February 11, 2021 Category: General

Valentine's Day is becoming a holiday that is just for couples. Regardless of who you're spending Valentine’s Day with, there's a perfect gift out there for that special someone. You can order numerous items right now that are ideal— and that will ship in time. Let’s take a look at five perfect last-minute gifts for Valentine’s Day. Lavender and Pink Bouquet This bouquet is a partnership between Country Living and Colour Republic that ships free from Amazon. Your sweetheart will receive twenty-four lavender and pink roses that arrive in a glass vase and are wrapped in a burlap gift bag ready for gifting. This is a classic gift that shows your affection, something anyone would love to receive. Homesick Home State Scented Candle Send some positive vibes to the friend or family member who moved away with these state-inspired candles. Celebrate any special occasion with these luminary visions. Candle options include country, state, city, and memory. All can be purchased for under $40. Popbar Hot Chocolate Sticks Gift Set Who doesn't love to receive chocolate as a gift? These delicious treats are perfect for shipping out to friends and family this Valentine's Day. The gift set comes in a six-pack with a gift box with dark, milk, vanilla white chocolate. This edible delight is meant to be enjoyed shared or alone. Ember Temperature Control Smart Mug This is not your average coffee mug. It comes with heated coils, making it an exc

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