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Increasing your Hourly Rate of Pay…Part 2

Now that you have tracked your time and become aware of your not-to-dos, it’s time to ask yourself a very important question: What do you want your hourly rate of pay to be? To find out, decide how much money you want to make this coming year. Let’s say that figure is $100,000. Assuming you want to work only 40 hours a week, calculate in two weeks vacation, which will equate to roughly... [Read more]

The Truth About Appraisals

The appraisal process often baffles consumers. They may feel that their home is worth a higher dollar amount, and so the appraised value doesn’t always make sense to them. It is important to know that the appraiser is completely independent from lenders, buyers, sellers, and real estate agents, and that the guidelines to which they adhere are dictated by the Uniform Standards of Professional... [Read more]

The Federal Reserve and Inflation…

President Woodrow Wilson signed into law the Federal Reserve Act in 1913, creating the Federal Reserve, the nation’s central banking system. The Federal Reserve, or Fed, has also been called “the gatekeeper of the US economy” because of its unique power to influence US financial and credit markets. Comprised of seven presidentially-appointed Board of Governors; the Federal Open... [Read more]

Mortgage Insurance–Tax Deductible

The federal government’s Private Mortgage Insurance legislation is great news for the real estate industry! Enacted on January 1st, 2007, the bill makes Private Mortgage Insurance (PMI) tax deductible for borrowers whose personal adjusted gross income is $100,000 or less. For millions of home buyers, the bill creates an amazing opportunity to finance a more expensive home or potentially obtain... [Read more]