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RECENT BLOG POSTS
  It has been said that more money has been lost due to indecisions than ever was due to making the wrong decisions.  Many times, the larger the decision, the more likely procrastination comes into play and doing nothing will cost something.  Buying a home is certainly one of the biggest decision...
07/21/2021
Stepped-up basis is an incredible benefit to people who inherit property.  Not only do they receive the property itself, the basis or cost value of the property becomes the fair market value at the time of the decedent's death.  This avoids recognizing the gain between the decedent's cost and wh...
07/14/2021
Credit plays a huge role in getting a mortgage because it is a variable that helps the lender determine the likelihood that the loan will be repaid on a timely basis.  Credit bureaus evaluate people's credit worthiness using a FICO score.  The higher the score the better the borrower's credit.The...
06/24/2021
Looking for a simple way to determine if a rental property will give you the rate of return you want?  This modified annual property operating data may be just what you've been looking for. There are many different rates of return that investor's consider to determine whether a property will gen...
06/23/2021
There is a story of a real estate agent's prayer: "Dear Lord, if I can't be someone's first love, or second wife, at least, please let me be their third REALTOR®."  In a normal market with a balanced supply of sellers and buyers, this describes the preference that it might be better to be the th...
06/21/2021
  Some homeowners feel like they may as well throw a dart against the wall to decide whether to move or not.  Other people might invoke a process attributed to Benjamin Franklin.  Supposedly, to evaluate the options and bring clarity to the choice, this American founding father would list all the...
06/02/2021
  Most homeowners have insurance on their home that additionally, gives them coverage on their personal property.  That is the first level of peace of mind to know that it is available to you if there is an unfortunate need for it from a burglary, fire, or some other insured circumstance. Persona...
06/01/2021
  In cooking, "mise en place" describes having all your ingredients measured, cut, peeled, sliced, grated, as well as bowls, utensils and pans ready to use before you begin cooking.  The advantage is to inventory the ingredients and recognize if you have everything you need.  You are less likely ...
05/18/2021
  Before you pay cash for a home, ask yourself if there is a possibility, at some point in the future, you might put a mortgage on the home and would want to deduct the mortgage interest on your federal tax return. Current federal tax law allows homeowners to deduct the interest on up to $750,000...
05/09/2021
  There is a little-known provision in the tax code that allows homeowners to rent their principal residence or second home for up to 14 days a year without having to recognize the income.  In this situation, the taxpayer does not deduct the rental expenses associated with the income. There is no...
05/09/2021