Archive for the ‘Real Estate’ Category

5873
August 9th, 2010 By: Richard
Category:
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  • Mortgage Forgiveness For Underwater Homeowners

    I was reading up on what’s new in the mortgage markets and the economy over the weekend, and one piece of reporting caught my eye because it seemed like it couldn’t possibly be true.  It was talking about how the Obama administration is considering making a move later this month where Fannie Mae and Freddie Mac would be told to forgive a portion of the mortgage debt of millions of underwater homeowners.  From Reuters:

    Blog Traffic Exchange Related Websites
    • rescue_moneyIrresponsible Home Buyers Reaching Deeper into our Pockets Handout specialist - and professional nose wiper - President Obama has decided to toss more taxpayer money at irresponsible home buyers. (I won't say home owners because those folks don't own anything except mountains of debt.) I am referring to the money morons who, when lacking cash for a down payment,......
    • kick-to-the-groinOne in Six Underwater Homeowners Can't Refinance at Historically Low Mortgage Rates Seems Mr. Bernanke and The Federal Reserve are hellbent on lowering mortgage lending rates after lowering short term rates to zero this week. Problem is, 1 in 6 homeowners are underwater (owing more than the home is worth) on their mortgage, and will not have a chance to refinance to......
    5828
    August 3rd, 2010 By: Richard
    Category:
  • 401k
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  • Should I Buy Or Rent?

    Looking back on my financial life 10 years ago I thought owning a home was a sign I had achieved one of the most important financial goals. Not only did it mean I had good enough income to afford a mortgage, insurance and property taxes, I had an investment I could watch grow for years and years. And I didn’t have to worry that my money was going towards rent versus towards an investment.

    Blog Traffic Exchange Related Websites
    • House on the HillDon’t Buy A House (Yet) As you read this, you might be wishing that you graduated just a year earlier and could take advantage of the $8000 first time homebuyuers credit. It’s not every day that Uncle Sam is willing to give you $8,000 for anything, let alone for something widely regarded as a fantastic......
    • blog traffic exchangeCollege Selection Time - The Student Loan Factor We are in the peak season for children of baby boomers to make college decisions. (We are out of that mode, with our youngest son finishing his junior year of college.) For many families, a college choice can have serious financial repercussions for both student and parent. If the student......
    5368
    July 13th, 2010 By: Richard
    Category:
  • 401k
  • Accounts
  • affiliate marketing
  • annnouncement
  • Announcement
  • Arfticle Writing
  • automatic
  • Automobiles
  • baby expenses
  • Baby Steps
  • Banking
  • Banks
  • bible
  • bible verse
  • Bills
  • Blogging
  • Budget
  • Budgeting
  • Building a Website
  • career
  • Carnival
  • Carnivals
  • Cars
  • Children
  • choices
  • Choose highest paying keywords for your niche
  • christianity
  • Christmas
  • clergy
  • clothing
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  • college
  • Commentary
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  • Credit Card
  • credit cards
  • credits
  • Dave Ramsey
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  • debt
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  • economy
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  • Featured
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  • frugality
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  • Giving
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  • good debt
  • google analytics
  • guest post
  • health care
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  • Homebuyer Tax Credit Extended

    Last month I wrote about how many people were in danger of being left out in the cold with their first time homebuyer or current owner  homebuyer tax credits.  Because of the large number of homes being purchased, and the slow pace that many banks were taking on homes being bought that were short sales and foreclosures, many people who would have otherwise qualified were in real danger of missing out on the tax credit.

    Blog Traffic Exchange Related Websites
    • blog traffic exchangeDetails About Tax Changes in 2011 That Can Help You Plan Accordingly This guest post is provided by TaxDebtHelp.com, a website that provides tax debt relief guidance and services for taxpayers facing major IRS tax problems. Visit their site to learn more.With the economy still in its lackluster mode, many believe the worst is still in front of us. Unfortunately, as we......
    • Do you plan on buying a house?$8,000 Tax Credit for First-Time Homebuyers Extended and Expanded What is the deal with $8,000 Tax Credit for First-Time Homebuyers? The big financial news this week is that the Tax Credit for First-Time Homebuyers that was set to expire on November 30, 2009 has been extended until April 30, 2010. It also has been expanded to include a$6,500 tax credit......
    5024
    June 23rd, 2010 By: Richard
    Category:
  • 401k
  • Accounts
  • affiliate marketing
  • annnouncement
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  • Bills
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  • Budget
  • Budgeting
  • Building a Website
  • career
  • Carnival
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  • Cars
  • Children
  • choices
  • Choose highest paying keywords for your niche
  • christianity
  • Christmas
  • clergy
  • clothing
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  • college
  • Commentary
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  • Credit Card
  • credit cards
  • credits
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  • Earn Money Online In Philippines
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  • economy
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  • Expenses
  • family
  • father's day
  • Featured
  • Filing
  • finance
  • finances
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  • financial information
  • financial planning
  • financial research
  • Fine Dining
  • Freelancing in Philippines
  • frugality
  • Giveaway
  • Giving
  • Goals
  • good debt
  • google analytics
  • guest post
  • health care
  • home improvement
  • home life
  • housing allowance
  • How-To
  • Identity theft
  • Income
  • Industry News
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  • occupation
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  • Paid to Click Websites
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  • Borrowing Is Now More Difficult

    The last few years have been tough ones for the real estate market, and especially for the banks who have watched as thousands of their home loans have gone into default, and homes into foreclosure. Because the lending market has become so tough, lending guidelines have already started changing, making it tougher for some people to obtain home loans.

    Today I thought I would take a look at some of the things that are changing, along with some things you should avoid doing when you’re trying to get a loan.

    Blog Traffic Exchange Related Websites
    • Home Renovation Tax Credit United States Individuals interested in making home renovations may be eligible for federal tax credits depending on the type of renovations they make. For the years 2006, 2007, 2009, and 2010, the Federal Government has allowed tax credits for certain home improvements that make homes more energy efficient. When President Obama......
    • blog traffic exchangeMissed Fortune 101 -- Horrible Advice! I heard about Douglas Andrew's Missed Fortune 101 when somebody recommended it for the "Best Financial Book I've Ever Read" series on FreeMoneyFinance. (FMF is merely the messenger, so don't shoot him! :)) It immediately drew criticism from other readers. I posted a comment after reading part of the book......
    4870
    June 16th, 2010 By: Richard
    Category:
  • 401k
  • Accounts
  • affiliate marketing
  • annnouncement
  • Announcement
  • Arfticle Writing
  • automatic
  • Automobiles
  • baby expenses
  • Baby Steps
  • Banking
  • Banks
  • bible
  • bible verse
  • Bills
  • Blogging
  • Budget
  • Budgeting
  • Building a Website
  • career
  • Carnival
  • Carnivals
  • Cars
  • Children
  • choices
  • Choose highest paying keywords for your niche
  • christianity
  • Christmas
  • clergy
  • clothing
  • Clutter
  • Collections
  • college
  • Commentary
  • communication
  • contest
  • contests
  • Credit
  • Credit Card
  • credit cards
  • credits
  • Dave Ramsey
  • Deals
  • debt
  • Debt Reduction
  • debt snowball
  • Decisions
  • deductions
  • Devotional
  • Devotionals
  • Dot Com Lifestyle
  • dream
  • Earn Money Online In Philippines
  • Earn With Twitter
  • economy
  • Education
  • estate tax
  • Expenses
  • family
  • father's day
  • Featured
  • Filing
  • finance
  • finances
  • financial goals
  • financial information
  • financial planning
  • financial research
  • Fine Dining
  • Freelancing in Philippines
  • frugality
  • Giveaway
  • Giving
  • Goals
  • good debt
  • google analytics
  • guest post
  • health care
  • home improvement
  • home life
  • housing allowance
  • How-To
  • Identity theft
  • Income
  • Industry News
  • Inheritance
  • Inspiration
  • Insurance
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  • IRA
  • Jesus
  • jobs
  • Jobs And Work Life
  • Law
  • Legislation
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  • Life Insurance
  • Link building
  • Links
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  • Maintenance
  • make money online
  • marriage
  • marriage and money
  • Miscellaneous
  • money
  • money blogging
  • money savers
  • mortgage
  • Mutual Funds
  • negotiating
  • news
  • Obedience
  • occupation
  • Online Money Making Requirements
  • Paid to Click Websites
  • pastor
  • Photos
  • Planning
  • Post Roundup
  • priorities
  • Property Taxes
  • psychology
  • Question
  • Ramblings
  • Re-Activate your Google Adsenes Account
  • Real Estate
  • rebate
  • Rebates
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  • Retirementt
  • Revene Sharing Online Social Network
  • review
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  • sacrifice
  • sad news
  • save money
  • Saving
  • Savings
  • scam
  • school
  • Selling
  • seo
  • Shopping
  • simplicity
  • Simplifying
  • Software
  • spending
  • spending limits
  • stewardship
  • stimulus
  • Stimulus Package
  • tax
  • Tax Credit
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  • Tax Credit Deadline Extension

    Over the last year or so we’ve had a lot of talk on this site about the homebuyer tax credit. It helped to spur activity in the real estate markets, bringing more first time homebuyers into the market than we’ve seen for a long time. It also brought in a lot of current homeowners when the credit was extended to include people who already own a home. We watched last month as there was a flurry of activity as the deadline loomed for people to put in a purchase agreement for a house in order to beat the clock.  My brother was one of those people who made their home purchase on the last day possible!

    Blog Traffic Exchange Related Websites
    • year_end_planningYear-End Financial and Tax Planning Checklist Like many of you, I have quite a bit of down time between Christmas and New Year's Day.  I use some of my year-end downtime to think about any last minute moves I should make to maximize financial and tax planning strategies for this year and to prepare for the new......
    • blog traffic exchangeMaking Year End Adjustments to Your Investment Portfolio If you are an investor still contemplating whether to make adjustments to your asset allocations in your investment portfolio, you are running out of time.  We have only a few trading days left in 2008.  You may be looking to harvest some tax losses.  That shouldn't be hard to do.  You could......
    4598
    June 3rd, 2010 By: Richard
    Category:
  • 401k
  • Accounts
  • affiliate marketing
  • annnouncement
  • Announcement
  • Arfticle Writing
  • automatic
  • Automobiles
  • baby expenses
  • Baby Steps
  • Banking
  • Banks
  • bible
  • bible verse
  • Bills
  • Blogging
  • Budget
  • Budgeting
  • Building a Website
  • career
  • Carnival
  • Carnivals
  • Cars
  • Children
  • choices
  • Choose highest paying keywords for your niche
  • christianity
  • Christmas
  • clergy
  • clothing
  • Clutter
  • Collections
  • college
  • Commentary
  • communication
  • contest
  • contests
  • Credit
  • Credit Card
  • credit cards
  • credits
  • Dave Ramsey
  • Deals
  • debt
  • Debt Reduction
  • debt snowball
  • Decisions
  • deductions
  • Devotional
  • Devotionals
  • Dot Com Lifestyle
  • dream
  • Earn Money Online In Philippines
  • Earn With Twitter
  • economy
  • Education
  • estate tax
  • Expenses
  • family
  • father's day
  • Featured
  • Filing
  • finance
  • finances
  • financial goals
  • financial information
  • financial planning
  • financial research
  • Fine Dining
  • Freelancing in Philippines
  • frugality
  • Giveaway
  • Giving
  • Goals
  • good debt
  • google analytics
  • guest post
  • health care
  • home improvement
  • home life
  • housing allowance
  • How-To
  • Identity theft
  • Income
  • Industry News
  • Inheritance
  • Inspiration
  • Insurance
  • Investing
  • IRA
  • Jesus
  • jobs
  • Jobs And Work Life
  • Law
  • Legislation
  • Lending
  • Life Insurance
  • Link building
  • Links
  • Loans
  • Maintenance
  • make money online
  • marriage
  • marriage and money
  • Miscellaneous
  • money
  • money blogging
  • money savers
  • mortgage
  • Mutual Funds
  • negotiating
  • news
  • Obedience
  • occupation
  • Online Money Making Requirements
  • Paid to Click Websites
  • pastor
  • Photos
  • Planning
  • Post Roundup
  • priorities
  • Property Taxes
  • psychology
  • Question
  • Ramblings
  • Re-Activate your Google Adsenes Account
  • Real Estate
  • rebate
  • Rebates
  • Referral Income
  • refund
  • Research
  • resolutions
  • Responsibility
  • Retirement
  • Retirementt
  • Revene Sharing Online Social Network
  • review
  • Reviews
  • Risk
  • Roth IRA
  • sacrifice
  • sad news
  • save money
  • Saving
  • Savings
  • scam
  • school
  • Selling
  • seo
  • Shopping
  • simplicity
  • Simplifying
  • Software
  • spending
  • spending limits
  • stewardship
  • stimulus
  • Stimulus Package
  • tax
  • Tax Credit
  • tax credits
  • Tax Deduction
  • tax refund
  • tax return
  • Taxes
  • Technology
  • The Net
  • tips
  • Trade Show
  • Uncategorized
  • Videos
  • warranty
  • wealth
  • Wordpress
  • work


  • Should I Pay Off My Home Early Or Invest?

    In the past couple of years my wife and I have been able to dig our way out of debt – and a couple of years ago we paid off our last debt, a student loan for my college education. It was an amazing feeling being able to do that – it was a weight off our shoulders.

    Blog Traffic Exchange Related Websites
    • savingsPaying off Debt in 9 Steps pt 2 Part two in the series on paying off debt: Throwing away your bills and shredding your credit card payment reminders simply is not going to make the problem go away. Debt is going to hover over you until you find a way to deal with it. Interest will continue to......
    • blog traffic exchangeShould I Pay Off My Mortgage Early? One of the most controversial subjects around the family finances is the decision to payoff the mortgage early.  Some say you should keep the mortgage around as long as possible, citing low interest rates and tax deductions as opportunities you are giving up by paying it off early.  Others enjoy......
    4546
    June 1st, 2010 By: Richard
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  • Costs To Remember When Buying A Home

    Owning a home can be a blessing or a curse. Truly, homeownership can lead to great wealth or great financial ruin. If you’re thinking about buying a house, consider these potential expenses before diving in. While you might already be paying for some of these things while renting, it is still important to have an idea of what you are getting into when purchasing a home.

    Blog Traffic Exchange Related Websites
    • blog traffic exchangeMoney’s 7 New Rules of Financial Security (Part 2) I'm reviewing Money Magazine's 7 New Rules of Financial Security. You can read Part 1 here. Rule No. 4: Borrowing Old thinking: Borrowing sensibly is a good way to build wealth. New rule: Borrow cautiously. You have to worry about the other guy's debt too. Money Summary: Credit was cheap......
    • houseReal Estate Investments - Good Idea or Bad Idea? Right now, if there was a market that had bad news written all over it, it would be real estate. The housing crisis has made investors jumpy, the economy appears to be tanking and home values are plummeting across the country. Would you believe that this is actually a good......
    4442
    May 27th, 2010 By: Richard
    Category:
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  • Appeal County Property Tax Appraisals

    It may differ by county, but you more than likely have received your county property tax appraisal in the mail recently.  The county assesses homes each year to determine property tax liability.   County appraisers apply mass appraisal methods and techniques based upon individual characteristics that affect the market value of your home.

    As a homeowner you need to review this appraisal every year and make sure it’s in-line with what you think your home could sell for on the market.  You have a right to protest the appraisal if it’s completely out of the ballpark and specifically, on the high side.  If you don’t do anything you could end up paying more property taxes than you should, so it’s a no-brainer to keep a close eye on your appraisal each year.

    4420
    May 26th, 2010 By: Richard
    Category:
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  • Homebuyer Tax Credit Delayed

    Over the past year we’ve talked quite a bit the home-buyer tax credits that were available to both first time home-buyers, and more recently to existing homeowners looking to buy a new primary residence. The bill was originally passed in February 2009 as a part of the Obama stimulus package, and was extended at the end of last year to be available to home-buyers on homes purchased by 4/30/2010.  First time home-buyers had a $8,000 tax credit available to them, and current homeowners were able to claim a $6500 tax credit.  Both credits are refundable credits – in other words, if your tax liability was already 100% covered, you would get the money back in a check from the IRS.

    2541
    February 25th, 2010 By: Richard
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  • Post image for What Documentation Do I Need To Claim The First-Time Homebuyer Tax Credit

    If you’re planning on claiming the First-Time Homebuyer Tax Credit on your 2009 tax return you’re going to have to provide some extra documentation when filing.

    Not sure what documents you’re required to include?  The IRS has provided some guidance on the topic.

    Required Documentation For The Homebuyer Tax Credit

    The IRS includes these tips on their site as to what you’ll need to include in order to claim the tax credit.

    • Settlement Statement: Purchasers of conventional homes must attach a copy of Form HUD-1 or other properly executed Settlement Statement.
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