Personal Finance

Jan. 18, 2019

Time to File for Homestead Exemption

Tax season is around the corner, if you bought a house as a primary residence, then you will need to fill out the Homestead Exemption for your county before April 1st to save money on your property taxes. Below is the Homestead Information for different counties. If you have ...

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March 12, 2018

A Story About Mortage Interest Rates vs. Buying Power

Interest Rates vs Buying Power

This has been a huge topic, as of late, because interest rates are rising and it does affect how much buying power you have.  So what does an increase in interest rates mean?

Imagine this, you wake up one morning and decide that you ...

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Oct. 20, 2016

Top 9 Things to Consider about Homeowner’s Insurance

Purchasing insurance requires you to think about the worst possible situations: health issues, car accidents, fires, floods and home damage but it also helps you realize it’s good to be prepared and plan ahead. We don’t want to dwell on what could happen but it’s important to protect yourself from ...

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April 15, 2016

April Real Estate Report

The real estate market is moving at a pretty fast pace.  It is evident the reason when you look at the numbers from the April real estate report. The number one reason is lack of inventory.
In August 2011, there were 22,616 homes for sale.  In March 2016 there ...

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Jan. 28, 2016

Tax Changes for 2015

Tax Changes 2015Tax Changes for 2015

It is that time of year - TAX TIME!  When you are filing your 2015 taxes there have been some changes.  Below are a list of tax changes that you might not be aware about.

The health insurance penalty will increase a lot – In 2014, if you ...

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Posted in Personal Finance, Taxes
Jan. 14, 2016

Homestyle Renovation Loan Program

For our renovation we chose the Homestyle Renovation Loan Program.  Renovation loans are very complex and time consuming but well worth it.  Before I talk about why we chose it and what we had to do for the loan, lets talk about the two types and the basic guidelines for ...

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Sept. 24, 2015

Student Loans: Income Based Repayment Plan – Do You Qualify?

Income Based Repayment Plan (IBR) – What is it?

The Income Based Repayment Plan is designed to put a cap on your required monthly payments on the many types of federal student loans at an amount intended to be affordable based on income and family size.

Payment

The program lowers monthly payments for ...

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Posted in Personal Finance
Sept. 24, 2015

Strategies for Managing Your Debt

In todays economy managing your debt is a must.  With everything costing more and people make the same or less, keeping your debt under control can help you make it through the lean times.  When managing your debt it is all about numbers.  Knowing the numbers will help you manage your ...

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Posted in Personal Finance
Sept. 24, 2015

REITs – A Great Way to Invest in Real Estate

The housing market seems to be improving in 2012. With home prices rising, less inventory, and record low mortgage rates – investing in real estate seems like a good option to improve your portfolio.

Many people do not want to purchase property as an investment and that is ok.  There is another ...

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Sept. 24, 2015

Homeowners Insurance: Do You Have the Right Coverage?

Home Owners Insurance – Do You Have the Right Coverage?

I was talking with my State Farm Insurance agent, Darlene Crews, about home owners insurance yesterday and whenever I talk with her I learn something new.  Most people know they have a policy and the basics of that policy, but do you ...

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