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Strategies for Saving.

Every year brings with it new opportunities to make tax -savvy financial moves. Planning ahead now will make next April 15 a little more pleasant. These strategies are suggestions: You should consult with a tax advisor to choose the best plan of action for your personal situation. 

• Retire some income.
Open a Keogh Plan this year if you're self-employed, or maximize your contributions to your employer's 401(k) plan. Your contributions are tax-deferred, and will therefore help lower your gross taxable income.
• Inspect your investments.
Keep a close eye on your portfolio and consider unloading any poor performers. You can then use your losses to offset other capital gains, and possibly some other taxable income.
• Plan to contribute to a charity regularly this year.
Consider transferring stocks, bonds or other property that would be subject to the capital gains tax if you sold it. By transferring it, you can deduct the appreciated value read more...read more...

What are the basic steps to selling my home?

• Do your homework.

Visit our website to size-up the homes-for-sale competition, read home selling articles on our site, consider reading a book on home selling, attend some seller's Open Houses in the your area (ask us or see the local newspaper).
• Hire a specialist.

As neighborhood real estate agents that specialize in listing in your area, we know what it takes to sell in this market. We welcome your call!
• Set the price.

Ask your agent for an analysis of the local market and an opinion of the best price range for your home.
• Set a marketing strategy.

Have your agent discuss a marketing plan and include the main elements in the listing presentation.
• Get the house ready.

With your agent, take a hard, objective look at your home. Prioritize what needs to be done, and decide how much you can spend in time read more...read more...

For your furniture needs contact Robin Halverson at JC Penny - 801-852-3500 ext 267. She is great to work with and willing to help anyone!!!!

Congratulations to Brad Fullmer and Jason Stallings they each won a $50 gift card to Red Lobster!!!!!

What practical steps can I take to improve my chances of getting a loan?

When you're thinking about buying a home, take a good look at your financial situation from the perspective of a loan officer. For a lender, not all debts are equal. 

• 28/36 Ratio
  In the past, lenders often said borrowers could not spend more than 28% of their gross monthly income on housing expenses, and their total debt payments could not exceed 36% of their income for a typical 10% down payment loan.
  
• More Flexible Guidelines
  Today, many lenders are more flexible and allow a greater percentage of monthly income to go toward mortgage payments. But they are more stringent on credit card balances. Lenders often count 5% of the balance as a borrower's monthly payment, instead of the credit card's minimum payment.
• Pay Off Strategies
  If you are planning to pay off some debts before read more....

Congratulations Rod and Jennifer Richardson on the purchase of your new home!!!!!