After numerous theories and speculations regarding Kate Middleton’s health and a recent photo of her taken by TMZ, she and William shared a photo of the Princess and her three children on Mother’s Day.
Judging from the photo, Kate is indeed doing well after her surgery in January.
She poses on the patio with Prince George, Princess Charlotte, and Prince Louis surround her. They are all smiling and look absolutely adorable.
“Thank you for your kind wishes and continued support over the last two months. Wishing everyone a Happy Mother’s Day,” the caption on the Prince and Princess of Wales’ official Instagram account read. It was signed “C,” meaning Kate herself had written it.
https://www.instagram.com/p/C4U_IqTNaqU/embed/captioned/?cr=1&v=14&wp=540&rd=https%3A%2F%2Fboreddaddy.com&rp=%2Fhidden-signs-in-kate-middleton-picture-expose-bizarre-editing%2F%3Ffbclid%3DIwAR1xlAcdN5Yf1eYWTYcte01FnsuklvQPkW5WTkT1-T0Da11ApCmc7_Nn3ak#%7B%22ci%22%3A0%2C%22os%22%3A2722.5%2C%22ls%22%3A880.2999999998137%2C%22le%22%3A2712.7000000001863%7D
As expected, the photo was shared worldwide and was picked up but every single media outlet out there.
The comments under the photo came pouring in with a great number of people wishing Kate a speedy recovery.
According to some royal experts, Kate opted to post a photo in order to put a stop to the speculations surrounding her surgery and her recovery.
“They [Kensington Palace] are trying to send a clear message to both the public and the press to respect Kate’s privacy on this medical matter,” royal historian Kate Williams said. “What they’re trying to say is Kate is recovering, she’s fine, no more worries, no more panic, no more speculation.”
She added: “I think the last thing they [Kensington Palace] want is for her to feel she can’t go out and walk in case she’s going to be photographed.”
Shortly after the photo of the happy family was released, some started questioning its authenticity because as they claimed, the photo was obviously edited.
“Professional photographer here. Look closely at Princess Charlotte’s wrist. This is what happens when you composite layers in Photoshop. I’m not speculating on why the photo was edited like this, but it’s weird,” portrait photographer Martin Bamford wrote on X.
Some edit fails, as noticed by experts, were Princess Charlotte’s missing sleeve and blurred skirt and Kate’s misplaced zip.
Others noticed that Kate wasn’t wearing her ring and her hand around Louis was “blurry.” Her wrist and jumper sleeve were also manipulated by photoshop according to many, as well as her chin.
“The more you look at this, the worse it gets. the hands, the fact some parts are so blurry and some so sharp, the way Charlotte is apparently balancing in that position, there is literally a crease in the step, the reflection in the window doesn’t match,” one user wrote on X.
“Not really kept up with this whole conspiracy theory, but this photo is SOO DODGY two of their hands look very weird as if they’re AI generated, and the girls arm has 100% been photoshopped and her skirt also looks weird as f— as well?” another user added, continuing, “but if it’s a real photo – *why* would they edit it so much and so badly? they’re not stupid they would’ve seen all the rumours going about, releasing an awfully edited photo only fuels them.”
Shortly after, The Associated Press, Reuters, Getty Images, and Agence France-Presse all decided to issue “kill notices,” which are advisory notices to remove or not use a specific photo.
“It appears that the source has manipulated the image,” the Associated Press notification read.
They also released a statement, saying, “The Associated Press initially published the photo, which was issued by Kensington Palace. The AP later retracted the image because at closer inspection, it appears that the source had manipulated the image in a way that did not meet AP’s photo standards. The photo shows an inconsistency in the alignment of Princess Charlotte’s left hand.”
Speaking to GB News, Dr Hany Farid, a professor of computer sciences, said the work on Princess Charlotte’s sleeve looked like a “bad Photoshop job.”
“I clearly see what is being referenced here, with respect to her sleeve. It looks like a bad Photoshop job. I know we talk a lot about AI lately but it is still possible to use traditional photo-editing tools,” Farid said. “What you would be worried about here is if Kate wasn’t in this photo and had been digitally inserted. This would be a dramatic manipulation.”
On top of that, Kate not wearing ring fueled the rumors that something isn’t right between her and William.
Kate’s office decided to respond to the rumors by issuing a statement in which they explain that the reason why the Princess doesn’t have the ring on her finger is that she’s at home. They further added that it was William himself who took the photo.
Although the Palace didn’t comment on the edited photo, Kate herself decided to explain why the image had “flaws.”
On her and William’s official X account, she wrote, “Like many amateur photographers, I do occasionally experiment with editing. I wanted to express my apologies for any confusion the family photograph we shared yesterday caused. I hope everyone celebrating had a very happy Mother’s Day. C.”
Kensington Palace has later confirmed it “would not be reissuing the original unedited photograph of Kate and her children.”
According to royal expert Katie Nicholl, the Palace would be under much pressure following the issue with the photo.
“What’s so major in all of this is that four international picture agencies have killed this image. That’s really rare,” Nicholl said.
“I can’t think of a a time since I’ve been doing this job for the best part of 15 years where a royal image has been recalled. So that’s highly unusual. It might force Kensington Palace’s hand.”
On top of the pressure she faces, Kate now has to deal with another “problem” that’s giving her headaches, her uncle’s participation in the reality show Celebrity Big Brother. Since entering the house, he spoke of his niece on several occasions and opened up about Harry and Meghan, too.
“Clearly, whatever’s happened to Catherine, she’s probably feeling fragile – mentally as well. To have a serious setback like this at the prime of your life, it must knock your confidence, and so she’ll be fragile at this stage in her recovery and to have this thrown at her. She must just be thinking, ‘Why, why, why did Uncle Gary have to do this? ‘I imagine she’s thoroughly depressed about it,” royal expert Jennie Bond told the Mirror.
“I think that Gary comes from a good place in his heart. If he talks about her it’s – in his view – to give her side of the story, give her a mouth, a voice, when he knows she can’t off the back of allegations made of her,” Bond added.
“But I think it’s the last thing she’d want – if Catherine or William want to say anything, they will say it. They don’t need anyone else to, least of all someone within their own family – and they don’t have that strong connection anyway.”
How to Own Your Dream Home
For most people, their first home isn’t their dream home. It starts off nice enough. But as time goes by and your family grows, starter homes tend to get a little . . . cramped.
But don’t hate on your current home too much. Because while it gave you a safe and dry place to lay your head at night, it was also setting you up to own your dream home someday.
We’ll show you how it all works and walk you through the steps that’ll get you in your dream home—one you can actually afford!
How to Get Your Dream Home in 5 Steps
Here are the steps:
- Follow the Financial Basics
- Find Out How Much Equity You Have
- Set Your New Home-Buying Budget
- Find the Right Dream Home for You
- Be Picky and Patient
Now let’s cover each step in more detail.
Step 1: Follow the Financial Basics
First thing’s first—you have to get out of debt, get on a budget, and build up an emergency fund of 3–6 months of expenses. Sounds pretty basic, right? If you haven’t completed these steps, then you’re not ready to upgrade to your dream home . . . yet.
Now, when you’ve got house fever, it can be hard to focus on paying off debt or saving an emergency fund before you upgrade your home—especially when you’re feeling the pressure of rising home prices and interest rates.
But whether it’s your second or third house, you should only buy a home when you’ve covered the financial basics we mentioned above. Then you’ll be ready to start the journey toward owning your dream house.
And that journey starts with your home equity. What’s equity? Well, we’re glad you asked . . . that brings us to the next step.
Step 2: Find Out How Much Equity You Have
Home equity is a pretty simple concept: It’s your current home’s value minus whatever you still owe on your mortgage.
See, in most cases, your home’s value increases over time. Similar to other long-term investments (like retirement accounts), homes gradually increase in value. There have been periods of ups and downs in the market to be sure, but the value of real estate has consistently gone up. According to the St. Louis Federal Reserve, the average sale price of a home has increased over 2,300% from 1965 to 2023! And in the last ten years (2013 to 2023), there’s been a 68% increase.1 As your home increases in value, so does your equity. In real estate terms, this is called appreciation.
Other factors that increase your home’s equity include:
- Added value: Home improvement projects like adding square footage, updating fixtures and appliances, or even just slapping on a new coat of paint can add value to your home.
- Mortgage paydown: Paying down your mortgage not only gets you out of debt faster, it also builds your equity. The less you owe on your home, the more equity you have.
The amount of equity you have gives you a pretty good idea of how much money you’ll end up with after selling your house. You can use that money to make a hefty down payment and cover the other costs that come with buying a home.
Find expert agents to help you buy your home.
So, how do you determine your home’s value? Well, you can get a ballpark estimate on real estate websites like Zillow, ask a trusted real estate agent to perform a competitive market analysis (which they’ll do anyway if they’re helping you sell your house), or get a professional appraisal.
Finding out your home’s equity will involve a little math, but it’s third-grade-level stuff, so don’t sweat it.
Here’s what we mean. Let’s say your home’s current value is $355,000. When you sell that house, you’ll have to pay for between 1–3% of the sale price in closing costs, another 6% in fees for the real estate agent who helped you sell it, and whatever’s left to pay off on your mortgage.
That means you can estimate clearing over $223,000 from selling your house. That’s a killer down payment on your dream home! And if your home is paid off, that’s even more money to put down and use to pay for things like repairs and moving expenses.
Step 3: Set Your Dream Home Budget
Once you know how much you’ll clear from the sale of your home, you can start making a budget for your dream home.
The key to owning your dream home (instead of it owning you) is to keep your mortgage payment to no more than 25% of your take-home pay on a 15-year fixed-rate mortgage, along with paying a down payment of at least 20% to avoid private mortgage insurance (PMI). Never get a 30-year mortgage even if the bank offers it (and they will). You’d pay a fortune in interest—money that should go toward building your wealth, not the bank’s.
So, let’s say your take-home pay is $4,800 a month. That means your monthly mortgage payment shouldn’t be any bigger than $1,200. By the way, that 25% figure should also include other home fees collected every month with the mortgage payment like homeowners association (HOA) fees, insurance premiums and property taxes.
Plug your numbers into our mortgage calculator to see how much house you can afford.
And don’t forget to budget for all those other costs that come with the home-buying process in addition to your closing fees—things like moving expenses and any upgrades or repairs you might need to make. You don’t want these hidden costs to catch you off guard or drain your emergency fund.
Step 4: Find the Right Dream Home for You
This is where things get real. After all your hard work building up your equity (and doing a lot of math—don’t forget that), you’re finally ready to start the house hunt. Woo-hoo!
But don’t lose focus. Stay zoned in by making a list of features that make a home fit your budget, lifestyle and dreams—and stick to it throughout your house hunt. Here are a few ideas to get you started.
- Don’t compromise on location and layout. If you plan to be in this home for the long haul, an out-of-the-way neighborhood or a wacky floor plan is a deal breaker. Look for a community and layout that’ll suit your lifestyle now and for years to come.
- Think about how much space your family needs. While your budget has the final say about how much home you buy, you’ll want your dream home to fit your family’s needs through different life seasons.
- Consider the school districts. If you have or want kids, the quality of the nearby school districts is probably already on your mind. But even if you don’t have kids or you’re retired, keep in mind that having good schools nearby could increase your home’s value.
- Look for a house that’ll grow in value. Are home values rising in the area? Is the number of businesses going up? These factors can help you figure out whether your dream home will turn into a good investment.
- Count the costs. Want that fancy master bathroom with the multiple showerheads and the Jacuzzi tub? Be clear on what’s a must-have and what’s nice to have. And don’t forget, upgraded features like that will make your dream home more expensive.
Step 5: Be Picky and Patient
We know you’re anxious to get into those new digs, but be patient. Wait for the right house at the right time. Don’t spend your money on a less-than-ideal home just because you’re tired of looking.
The key is finding a good real estate agent who understands your budget and refuses to settle for “good enough.” They’re as committed to your dream as you are and will have your back throughout the entire process, no matter what it takes.
In addition to teaming up with a great real estate agent, you can take a couple of extra steps to make sure you’re ready to strike as soon as the right home comes up:
- Get preapproved for a 15-year fixed-rate mortgage. Having preapproved financing is a green flag for sellers—especially in multiple offer situations. And because this puts most of your information in the lender’s system, you’ll be on the fast track to closing once your offer is accepted.
- Offer earnest money with your bid. Earnest money is a deposit to show you’re truly interested in a home. Usually it’s 1–2% of the home’s purchase price and it’s applied to your down payment or closing costs. Even if the deal falls through, you can almost always get most of it back.
Find a Real Estate Expert in Your Local Market
Now, you might be thinking you have some work to do before you’re ready to find your dream home. Or you may be realizing your years of hard work are about to pay off! Regardless, if you follow these steps, you’ll find the house you’ve always wanted and avoid a purchase you’ll regret.
Once you’re ready, connect with one of our RamseyTrusted real estate agents. These are high-performing agents who do business the Ramsey way and share your values so you can rest easy knowing the search for your dream home is in the right hands.
Find the only real estate agents in your area we trust, and start the hunt for your dream home!
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