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Wednesday, May 22, 2013
Chances are, you or someone you know in Neenah, WI is facing the possibility of foreclosure. But you need to understand that you are not alone.
Today, 1 out of every 6 homeowners in America is behind on mortgage payments. These are tough and frustrating times. Now more than ever, it's important to identify your options. Foreclosure can be avoided, your credit can be saved, and your financial future can be salvaged.
Short Sales
If a homeowner owes more on their property than it is currently worth, then they can hire a qualified real estate agent to market and sell their property through the negotiation of a short sale with their lender. This typically requires the property to be on the market and the homeowner must have a financial hardship to qualify. Hardship can be simply defined as a material change in the financial stability of the homeowner between the date of the home purchase and the date of the short sale negotiation. Acceptable hardships include but are not limited to: mortgage payment increase, job loss, divorce, excessive debt, forced or unplanned relocation, and more.
- Benefit: A short sale allows the homeowner to avoid foreclosure and salvage some of their credit rating. This also keeps foreclosure off the individual's public record, and in many cases will allow the homeowner to avoid a deficiency judgment. Borrower may qualify for another mortgage in as little as 24 months (as opposed to five years for a foreclosure).
- Drawback: Short sales can be a trying process in which a homeowner is best served by contracting with a qualified real estate agent to guide the way
For your FREE, NO OBLIGATION Consultation call 920-810-7234.

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Wednesday, May 22, 2013
Home With Acreage For Sale In Black Creek, WI
Search current inventory of Homes For Sale In Cicero, WI
Listing Details
Home With Acreage For Sale In Black Creek, WI
W5038 Brusewitz Road Black Creek, WI 54106 Price: For Current Market Price Call For A Free Recorded Message 1-800-882-9246 ID#5248 MLS number: 50075376 Bedrooms: 3 Bathrooms: 2.5 Square Footage: 3150
Call Duane Murphy at 920-810-7234 to see if this property is still available and arrange a showing.
Only 15 minutes from Hwy 41!
Only 15 minutes from Hwy 41! +/-5 acres per seller of country perfection. -Second 52x28 garage/work shop! -Tray Ceilings -Lg Kitchen -w/in Pntry -Custom Cabinetry -3 Season Rm -Cathederal Ceiling and FP in Living Area -Mstr Suite -w/in Closet -Whirlpool Tub -FF Lndry -Central Vac -Garage2Basement Entrance -LL Rec Room & Office w/ Daylight Windows-Abundant Landscaping-Cvrd porch-More acreage available
Abundant Landscaping on 5 Acres!!


Click here to see additional images of this property
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Wednesday, May 22, 2013
Ranch Home For Sale In Menasha, WI
Search current inventory of Homes For Sale In Menasha, WI
Listing Details
Ranch Home For Sale In Menasha, WI
1120 Meadowview Dr. Menasha, WI 54952 Price: For Current Market Price Call For A Free Recorded Message 1-800-882-9246 ID#5138 MLS number: 50076025 Bedrooms: 3 Bathrooms: 2 Square Footage: 1582
Call Duane Murphy at 920-810-7234 to see if this property is still available and arrange a showing.
Extensively updated ranch!!
Professionally finished lower level, including family room, full bath, and office adds almost 600 square feet to this extensively updated ranch. Main floor has living room with gas fireplace, efficient kitchen(stainless appliances included), three bedrooms, and nicely appointed full bath. Enjoy the freedom of owning a Pre-Certified home while relaxing on the poured patio. All updates per seller.
Professionally finished lower level!


Click here to see additional images of this property
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Friday, March 15, 2013
Neenah, WI Relocation Help
Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate to and from Neenah, Wisconsin. Click here to search homes in Neenah, WI.
Murphy & Associates sets the standard for service in the relocation business. Our mission is to assist and ease the move of our corporate, family and individual clients transferring in and out of the Neenah area. You can expect the "best in quality" from our team of trained and certified relocation professionals. We provide the services and resources to make your moving experience as stress-free and pleasant as possible.
We do go that extra mile at Murphy & Associates!

Click here for your FREE Relocation Consultation
Neenah, WI History
Neenah, Wisconsin, in Winnebago county, is 5 miles SW of Appleton, Wisconsin and 84 miles N of Milwaukee, Wisconsin. The city is included in the Appleton-Oshkosh-Neenah metropolitan area. As of the year 2000 census, 24,507 people lived in Neenah.
Neenah History
Neenah was named after the Winnebago word meaning "water" or "running water." In 1835, the community was designated as an agricultural and industrial mission to the Menominee Indians. American settlement began a few years later. The community of Neenah played an important role in Wisconsin’s paper industry, as the Kimberly-Clark Corporation was formed here in 1872.
Neenah and nearby Attractions
- Outagamie Museum & Houdini Historical Center
- Plamann County Park
- Fox Cities Children’s Museum
- High Cliff State Park
- Oneida Nation Museum
- White Pillars Museum
Things To Do In Neenah
Local museums include the Oneida Nation Museum, the White Pillars Museum and the Fox Cities Children’s Museum. Local churches include the Saint Margaret Mary Roman Catholic Church, the First Church of Christ Scientist and the Saint Paul English Evangelical Lutheran Church. Some of the nearby golf courses include the Chaska Golf Course, the High Cliff Golf Course and the Lake Shore Municipal Golf Course.
Neenah Transportation
Austin Straubel International is the nearest major airport.
Neenah Higher Education
Lakeland College, Fox Valley Technical College and Saint Norbert College are nearby.
Click here for a FREE Relocation Consultation
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Monday, February 25, 2013
Executive level home for Sale in Greenville
Search current inventory of Executive level homes for Sale in Greenville
Listing Details
Executive home for Sale in Greenville
W7051 Forest Glen Greenville, WI. 54952 Price: For Current Market Price Call For A Free Recorded Message 1-800-882-9246 ID#5008 MLS number: 50070232 Bedrooms: 5 Bathrooms: 3.5 Square Footage: 3738
Call Duane Murphy at 920-810-7234 to see if this property is still available and arrange a showing.
You Will Love the Views of Nature From this Beautiful Home
Wonderful opportunity to own a executive level home in Greenville. This executive level home is loaded with amenities. English styling on the exterior with Craftsman style inside. Bright open concept interior with soaring ceilings. Gourmet kitchen with built-in appliances, granite, exquisite coffee and wine bar. First floor master suite with steam shower complete this dream home. Upper level 5th bedroom could be an ideal office. Backyard screen porch. Finished lower level with 100 inch Projection Screen. Multiple Patios!
Amazing Gourmet Kitchen


Click here to see additional images of this Executive level home
Kitchen Perfect for Entertaining
If entertaining is your forte, there is no better place to do this then from the expansive kitchen in this amazing executive level home. The stainless steel appliances make the kitchen come together, but it's the vast amount of space that makes bringing friends together so easy. And what's the biggest pain about big dinner parties? Not having enough room to cook. That will not be a problem in this spacious kitchen. Fantastic, right? Not to mention having two ovens! Another great feature is the built-in coffee and wine bar that makes beginning and ending your day a breeze. Amazing quality workmanship throughout!
Greenville in Central Wisconsin
Greenville, is a rapidly growing community located west of the City of Appleton with a population of 10,602 and growing. It is one of 18 communities that form the basis of the Fox Cities, the third largest metropolitan area in Wisconsin. There are three main highways running through the Town - Highway 15, Highway 96 and Highway 76. Greenville contains both rural lands, farming and more urbanized subdivisions. The Town of Greenville maintains approximately 210 acres of parkland at 10 facilities located throughout the town. The Outagamie County Regional Airport and many shopping centers are located within minutes, it's an oasis in the city.
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Tuesday, February 12, 2013
Neenah WI Real Estate Duplex Investment Home For Sale
Search current inventory of Neenah, WI Homes For Sale
Listing Details
Neenah WI Real Estate Home For Sale
7036 Woodenshoe Road Neenah, WI 54956 For Current Market Price Call For A Free Recorded Message 1-800-882-9246 ID#5168 MLS number: 50069098 Bedrooms: 5 Bathrooms: 2.5 Square Footage: 2549
Call Duane Murphy at 920-810-7234 to see if this property is still available and arrange a showing.
Very Well Maintained Duplex!
Excellent owner-occupied or investment property. Located just outside of city limits you are close to the highway and shopping yet have plenty of privacy and room to run with a generous +1.5 acres. Very well maintained & updates throughout. 2.5 car att. garage & 3 car detached garage. Both insulated. The "owners" side has a finished rec & bonus room in the lower level. All appliances are included.
Beautiful Living Room and Rec Room!


Click here to see additional images of this beautiful Neenah home
Neenah, Wisconsin
Neenah, Wisconsin, in Winnebago county, is 5 miles SW of Appleton, Wisconsin and 84 miles N of Milwaukee, Wisconsin. The city is included in the Appleton-Oshkosh-Neenah metropolitan area. As of the year 2000 census, 24,507 people lived in Neenah.
Neenah History
Neenah was named after the Winnebago word meaning "water" or "running water." In 1835, the community was designated as an agricultural and industrial mission to the Menominee Indians. American settlement began a few years later. The community of Neenah played an important role in Wisconsin’s paper industry, as the Kimberly-Clark Corporation was formed here in 1872.
Neenah and nearby Attractions
- Outagamie Museum & Houdini Historical Center
- Plamann County Park
- Fox Cities Children’s Museum
- High Cliff State Park
- Oneida Nation Museum
- White Pillars Museum
Things To Do In Neenah
Local museums include the Oneida Nation Museum, the White Pillars Museum and the Fox Cities Children’s Museum. Local churches include the Saint Margaret Mary Roman Catholic Church, the First Church of Christ Scientist and the Saint Paul English Evangelical Lutheran Church. Some of the nearby golf courses include the Chaska Golf Course, the High Cliff Golf Course and the Lake Shore Municipal Golf Course.
Neenah Transportation
Austin Straubel International is the nearest major airport.
Neenah Higher Education
The local institutions of higher education include Lawrence University, Fox Valley Technical College at Appleton, Lakeland College and Saint Norbert College
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Tuesday, February 12, 2013
Get help or answers for a Brillion WI short sale.
How does a short sale work? With a short sale, sellers avoid having to go through a lengthy foreclosure process and prevent the impact of a foreclosure on their credit score. In a short sale the seller, realtor, and the lender will work together to determine the details of the agreement, but typically sellers who complete a short sale also avoid owing the balance of the loan. If you are interested in selling your Brillion, Wisconsin home click here for a free consultation. Sellers considering a short sale must understand a few important things. First, they are very labor intensive and have no guarantee of ever closing. For this reason many agents will shy away from short sales, but not us. We have the training and the record of success to help you with your Brillion WI short sale.The initial consultation is easy and quite painless. It's easy, it's fast, and it's FREE! You are not alone in your situation. Even if you have two mortgages we have the expertise to help. The paperwork, the bargaining and the contractual agreements can be a little overwhelming for anyone, so it is important you go with a realtor that has a good success rate in short sales. Click here to see what our customers are saying about us!
Call us before it is too late!
Often times the earlier you start the short sale process the higher the success rate. Click here for a Free no risk consultation
We are trained as a Short Sale and Foreclosure Resource
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Tuesday, February 12, 2013
Neenah WI Real Estate Executive Ranch Home For Sale
Search current inventory of Executive Ranch Homes in Neenah, WI Homes For Sale
Listing Details
Neenah WI Real Estate Home For Sale
3477 Grand Meadows Crossing Neenah, WI 54956 For Current Market Price Call For A Free Recorded Message 1-800-882-9246 ID#5218 MLS number: 50069235 Bedrooms: 4 Bathrooms: 3.5 Square Footage: 4751
Call Duane Murphy at Murphy & Associates Real Estate 920-810-7234 to see if this property is still available and arrange a showing.
Executive Level Home!!!
Executive Level!! Amazing landscaping w/ water feature & privacy. Tuscan Gourmet kitchen w/ SS appliances, granite, pantry & open flr plan to living area. Master suite w/ access to outdoor patio & laundry area. Spacious finished LL w/ wet bar, exercise room, bath & garage access. Brazilian cherry flrs, Inlaid Tile, 12 Ceilings, Sound System, Patio, Loaded w/ amenities & Attention to Detail
Amazing landscaping with water feature & privacy


Click here to see additional images of this beautiful Neenah home
Neenah, Wisconsin
Neenah, Wisconsin, in Winnebago county, is 5 miles SW of Appleton, Wisconsin and 84 miles N of Milwaukee, Wisconsin. The city is included in the Appleton-Oshkosh-Neenah metropolitan area. As of the year 2000 census, 24,507 people lived in Neenah.
Neenah History
Neenah was named after the Winnebago word meaning "water" or "running water." In 1835, the community was designated as an agricultural and industrial mission to the Menominee Indians. American settlement began a few years later. The community of Neenah played an important role in Wisconsin’s paper industry, as the Kimberly-Clark Corporation was formed here in 1872.
Neenah and nearby Attractions
- Outagamie Museum & Houdini Historical Center
- Plamann County Park
- Fox Cities Children’s Museum
- High Cliff State Park
- Oneida Nation Museum
- White Pillars Museum
Things To Do In Neenah
Local museums include the Oneida Nation Museum, the White Pillars Museum and the Fox Cities Children’s Museum. Local churches include the Saint Margaret Mary Roman Catholic Church, the First Church of Christ Scientist and the Saint Paul English Evangelical Lutheran Church. Some of the nearby golf courses include the Chaska Golf Course, the High Cliff Golf Course and the Lake Shore Municipal Golf Course.
Neenah Transportation
Austin Straubel International is the nearest major airport.
Neenah Higher Education
The local institutions of higher education include Lawrence University, Fox Valley Technical College at Appleton, Lakeland College and Saint Norbert College
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Monday, February 04, 2013
Pulaski Short Sale Help!
If you are new to the world of real estate and the concept of a short sale, then you are not alone. A short sale is not something many people were aware of until the problem of foreclosure became a possibility. Now short sale is probably a term you hear thrown around a lot these days.
Home Sellers should consider a Short Sale when the value of their home is LESS than the amount of their outstanding loans. For example, if your home is worth $250,000 but you have a loan of $260,000 then a short sale is a consideration. If you are behind on your mortgage payments or need to sell your Pulaski WI home and can't sell if for what you owe on it then a short sale may be the answer. Click here for a FREE Consultation. The most important decision after deciding to pursue a short sale is to find a local Pulaski WI Agent that is experienced in handing short sales. Every agent will say they can do a short sale but in reality very few can. This is why so many short sales are unsuccessful. I'm not saying that short sales are easy.

They are very labor intensive and have no guarantee of ever closing. For this reason many agents will shy away from short sales and many more should. We have the training and the record of success to help you with your Pulaski WI short sale.The initial consultation is easy and quite painless. It's Fast, it's easy, and it's Free!You are not alone in your situation. Even if you have two mortgages we have the expertise to help.
Here are some things to expect when selling a short sale.........
- The first thing to remember is that, when it comes to selling a short sale, you are not actually going to see any of the money. Because of this, the price offer on your house does not actually matter. The closer the price offer is to the market value of your home, the more likely your short sale will be accepted by the lending company, but, personally, this price does not affect you at all.
- Another thing to keep in mind is that a short sale is a lengthy and confusing process that is best left to the professionals. If you are in need of some assistance, contact a Wisconsin short sale agent as soon as you start having trouble. Do not wait until you have received the final notice of foreclosure as it may be too late to help. For the best results when selling a short sale, act fast.
- Finally, when you sell a WI short sale, you can expect your life to continue on relatively normally. Unlike with a foreclosure, you will not be overwhelmed with emotional stress or doomed to have poor credit forever. When selling a short sale, you are able to sell your house and move out and hopefully move on to bigger and brighter things.
Click Here For A Free Consultation or Give us a call at 920-993-7234

Don't wait until it is too late. Often times the earlier you start the short sale process the higher the success rate.
We are trained as a Short Sale and Foreclosure Resource
Pulaski WI Short Sale Consultant
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Monday, February 04, 2013
Appleton WI Real Estate Home For Sale
Search current inventory of Appleton, WI Homes For Sale
Listing Details
Appleton WI Real Estate Home For Sale
1138 West Lorain Appleton, WI 54914 For Current Market Price Call For A Free Recorded Message 1-800-882-9246 ID#5038 MLS number: 50068672 Bedrooms: 3 Bathrooms: 1 Square Footage: 1395
Call Duane Murphy at 920-810-7234 to see if this property is still available and arrange a showing.
You will Love the space this home has to offer!
Great location and price! Close to schools and parks. Patio doors to outdoor deck. Spacious living area w/ Gas Fireplace. Attached dining area to kitchen w/ breakfast bar. Additional main floor room could be used as 4th bedroom or office. First Floor Laundry. Fenced Yard w/ Pool, storage shed and kids playhouse. Covered front porch. Central Air. Everything you are looking for with a BUY NOW Price!
Dining Area overlooks backyard patio!


Click here to see additional images of this beautiful Appleton home
Appleton, Wisconsin
Appleton, Wisconsin, in Outagamie county, is 88 miles N of Milwaukee, Wisconsin. The city benefits from easy access to the nearby cities and towns that it shares the Appleton-Oshkosh-Neenah metropolitan area with. Appleton’s population is approximately 70,087.
Appleton and nearby Attractions
- National Railroad Museum
- Plamann County Park
- Hazelwood Historic House Museum
- Heritage Hill State Park
- EAA Air Adventure Museum
- White Pillars Museum
Things To Do In Appleton
While in Appleton, one can visit museums like the Oneida Nation Museum, Fox Cities Children’s Museum and the Ashwaubenon Historical Society Museum. Parks in the area include the Plamann County Park, the High Cliff State Park and the Heritage Hill State Park. The Northgate Shopping Center and the Valley Fair Shopping Center are the popular shopping destinations in the area. The city also hosts festivals like the Greek/Serbian Festival every June and the Fall Harvest Festival every October.
Appleton Transportation
Austin Straubel International is the nearest major airport.
Appleton Higher Education
The local institutions of higher education include Lawrence University, Fox Valley Technical College at Appleton, Lakeland College and Saint Norbert College
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Monday, January 28, 2013
LITTLE CHUTE WI SHORT SALE Whether you're in the market for a new home or considering selling your existing home in Little Chute, Wisconsin chances are you've heard of a short sale. Short sales are becoming increasingly common in parts of the country where home values have dropped substantially. Click here for a free consultation. Short sales can benefit those sellers facing the prospect of a foreclosure as well as buyers looking for a deal on their next place to live. However, short sales can be tricky, so finding the right realtor and understanding how they work is essential. 
They are very labor intensive and have no guarantee of ever closing. For this reason many agents will shy away from short sales and many more should. We have the training and the record of success to help you with your Little Chute WI short sale.The initial consultation is easy and quite painless. It's easy, it's fast, and it's FREE! You are not alone in your situation. Even if you have two mortgages we have the expertise to help. Here are some reasons for going with a short sale....
Win #1: You win by getting out of financial predicament a clean transaction and a salvaged credit score. Your property is saved from foreclosure, thus helping you to save your credit rating. Allowing your home to proceed into foreclosure may adversly affect your credit for up to 7 years.
Win #2: The lender wins by avoiding timely and costly foreclosure proceedings which could lead to an even more costly expense of ownership of the real estate by the bank.
Win #3: The buyer of your property wins by getting a solid property at a good market value.
If you are worried about foreclosure and are wondering if short sale is for you, then you can get a free consultation where you will find out how to save your home and what options are available to you.

Give us a call at 920-993-7234
Little Chute, WI Short Sale Consultant
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Monday, January 28, 2013
NEW LONDON WI SHORT SALE HELP
Short sales? Are they right for me? Home Sellers should consider a Short Sale when the value of their home is LESS than the amount of their outstanding loans. For example, if your home is worth $250,000 but you have a loan of $260,000 then a short sale is a consideration. If you are behind on your mortgage payments or need to sell your New London WI home and can't sell if for what you owe on it then a short sale may be the answer. Click here for a FREE consultation. The most important decision after deciding to pursue a short sale is to find a local New London WI Agent that is experienced in handing short sales. Every agent will say they can do a short sale but in reality very few can. This is why so many short sales are unsuccessful. I'm not saying that short sales are easy.

They are very labor intensive and have no guarantee of ever closing. For this reason many agents will shy away from short sales and many more should. We have the training and the record of success to help you with your New London WI short sale.The initial consultation is easy and quite painless. It's fast, it's easy, and it's FREE! You are not alone in your situation. Even if you have two mortgages we have the expertise to help. Here are some reasons for going with a short sale....
Win #1: You win by getting out of financial predicament a clean transaction and a salvaged credit score. Your property is saved from foreclosure, thus helping you to save your credit rating. Allowing your home to proceed into foreclosure may adversly affect your credit for up to 7 years.
Win #2: The lender wins by avoiding timely and costly foreclosure proceedings which could lead to an even more costly expense of ownership of the real estate by the bank.
Win #3: The buyer of your property wins by getting a solid property at a good market value.
If you are worried about foreclosure and are wondering if short sale is for you, then you can get a free consultation by clicking here where you will find out how to save your home and what options are available to you.
Give us a call at 920-993-7234

Don't wait until it is too late. Often times the earlier you start the short sale process the higher the success rate.
We are trained as a Short Sale and Foreclosure Resource
New London, WI Short Sale Consultant
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Monday, January 28, 2013
Clintonville WI Short Sale Assistance
There is no denying that recently times have been tough. More and more Wisconsinites are struggling to stay afloat in an overwhelming sea of debt. One of the biggest hit markets is the housing market. Due to the increased costs of living and the increased number of people losing their jobs, more and more people are being forced to look into foreclosure as their only option to make ends meet. However, there is an alternative to foreclosure so that your home does not end up as one of those statistics; it is called short sale.
Instead of accepting foreclosure and surrendering your home, Wisconsin short sale allows you to make a deal with your lender so you can avoid foreclosure and the other pitfalls that come with it.
A short sale occurs when your home is sold for less than what you currently owe on the house. If the short sale is close to the market value and, with the right WI short sale realtor, it is possible that the lending company will allow a short sale to happen. You are able to sell your home and the bank will let the difference slide.
Reep the benefits of a short sale.........
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Short sale will not only benefit the home owner in trouble. Lenders do not want to foreclose homes as they are losing out on an investment. With short sale, they are able to walk away from a very tough situation almost unscathed.
- You win by getting out of financial predicament a clean transaction and a salvaged credit score. Your property is saved from foreclosure, thus helping you to save your credit rating. Allowing your home to proceed into foreclosure may adversly affect your credit for up to 7 years.
- The buyer of your property wins by getting a solid property at a good market value.
If you are worried about foreclosure and are wondering if short sale is for you, then you can get a free consultation where you will find out how to save your home and what options are available to you.
Click Here For A Free Consultation or Give us a call at 920-993-7234

Don't wait until it is too late. Often times the earlier you start the short sale process the higher the success rate.
We are trained as a Short Sale and Foreclosure Resource
Clintonville WI Short Sale Consultant
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Monday, January 28, 2013
If you are behind on your mortgage payment or need to sell your Neenah WI home and can't sell it for what you owe on it then a short sale may be the answer. For a FREE consultation click here. The most important decision after deciding to pursue a short sale is to find an local Neenah WI agent that is experienced in handling short sales. Every agent will say they can do a short sale but in reality very few can. This is why so many short sales are unsuccessful. I'm not saying that short sales are easy. Short sales are not easy.

They are very labor intensive and have no guarantee of ever closing. For this reason many agents will shy away from short sales and many more should. We have the training and the record of success to help you with your Neenah WI short sale. The initial consultation is easy and quite painless. It's easy, it's fast, and it's FREE! You are not alone in your situation. Even if you have two mortgages we have the expertise to help. Give us a call at 920-993-7234

Don't wait until it is too late. Often times the earlier you start the short sale process the higher the success rate. Click here for your free consultation.
We are trained as a Short Sale and Foreclosure Resource
Neenah WI Short Sale Consultant
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Monday, January 28, 2013
If you are behind on your mortgage payment or need to sell your Menasha WI home and can't sell it for what you owe on it then a short sale may be the answer. Click here for a FREE consultation. The most important decision after deciding to pursue a short sale is to find an local Menasha WI agent that is experienced in handling short sales. Every agent will say they can do a short sale but in reality very few can. This is why so many short sales are unsuccessful.
I'm not saying that short sales are easy. Short sales are not easy.

They are very labor intensive and have no guarantee of ever closing. For this reason many agents will shy away from short sales and many more should. We have the training and the record of success to help you with your Menasha WI short sale. The initial consultation is easy and quite painless. It's easy, it's fast, and it's FREE! You are not alone in your situation. Even if you have two mortgages we have the expertise to help.
Give us a call at 920-993-7234 or click here for a free consultation.
Don't wait until it is too late. Often times the earlier you start the short sale process the higher the success rate.
We are trained as a Short Sale and Foreclosure Resource
Menasha WI Short Sale Expert
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