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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!!!!!

Wonderful Cleaning Service!

If you every need to catch up on your cleaning or have a rental property or need help with new construction clean up... Falvia is your person. She is awesome! Her rates are reasonable and she does an excellent job. - JD

Congratulations Bernard Cope and Denny Bacon each won a $50 gift card to Bajio Mexican Grill. Thank you for entering the drawings every month!!!!!

In need of Blind or Window Service......

Call Walt Lee at Just for Windows at 801-319-1587.

http://just-for-windows.com/

Thank you Schyler and Allisa Daybell for the Recommendation!!!!

Thank You Ron Porter for Your Recommendation!!!!

How To Collect Enough Cash For Down Payment and Closing Costs.

How much cash you have going into a home purchase is critical to determine how much buying power you'll have in today's market. Do you have enough cash to swing your upcoming home purchase?

You're likely to need to have available a cash down payment of 3.5% to 20% (and possibly more) of the home's purchase price, depending on the loan you choose. Closing/settlement costs  read more...read more...

Price Reduction on this Beautiful Home in Provo! Now only $193,832!

Click here for more info

Thank you Tracy Thornwall for the recommendation!!!

Get the latest listings free by email.

Register for our FREE SERVICE to help home buyers find their dream home in our area. The moment new listings and new prices that match your criteria become available, we will automatically e-mail you. With our free updates you will read more.read more

What are some tips every home buyer should know to get started?

If you think it's about time you bought a home instead of renting, a little homework before you start looking will increase your odds of finding the best buy for you. Here's how:

• Dig up your down payment

Know where your down payment cash will come from. If it's coming from stocks, go ahead and sell them. If Aunt Jessie is loaning the money, get it in hand so you are ready to go.
• Nail down your financing

It's tough to home shop if you don't know what you can afford. Together with a reputable lender, we can help you determine how much home you can afford and which loan program willread more....

Dear Future Customer

Dear Future Customer

I sincerely appreciate you for considering me to be your Realtor and for anyone you may recommend me to.

My Goal

My Goal is to provide you with a level of service that makes it very comfortable for you to refer people you care about to me.

I am not Superman

When I get cut I bleed. Yes, I do make mistakes, but I committed to continuing growth and progress. I am a work in progress. When I do stub my toe I will not run and hide. I will face the challenges and concerns specific to your transaction.  I will admit when I am wrong and apologize.

Old School

I believe in the golden rule - treat others as you would like to be treated.  I strive for a "Baker's dozen" mentality. I want to provide services of great value. The customer read more.....

Thank You Greg and Caron for the recommendation!!

Congratulations. Adam Sellars and Nate Orme won a $50 gift certificate to Target in this months drawing!!