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Southern California home prices fall, affordability returns to normal

By: Sanda Hnatjuk-Bahic Real Estate Views: 3608 | Comments: 0 | Votes: 0

Sanda Hnatjuk-Bahic

  From the Los Angeles Times Southern California home prices fall, affordability returns to normal January's median sales price falls 40% from a year earlier, to $250,000. As the Southland's bubble continues to deflate, the ratio of price to income has returned to historical levels, analysts say. By Peter Y. "It's bubble psychology. More

Homeowners warned of property tax scams

By: Sanda Hnatjuk-Bahic Real Estate Views: 2487 | Comments: 0 | Votes: 0

Sanda Hnatjuk-Bahic

Homeowners warned of property tax scams   Firms offer re-evaluations – for a fee. By ANDREW GALVIN THE ORANGE COUNTY REGISTER February 14, 2009    Attorney General Jerry Brown is warning California homeowners to beware of scam artists offering to help cut your property tax bill for a fee. More

Homeowner Affordability and Stability Plan

By: Sanda Hnatjuk-Bahic Real Estate Views: 2535 | Comments: 0 | Votes: 0

Sanda Hnatjuk-Bahic

President Obama unveiled the Homeowner Affordability and Stability Plan, which will offer assistance to as many as 9 million homeowners, while attempting to prevent the destructive impact of foreclosures on families and communities.The plan contains three main components, and only applies to primary residences. The U.S. Treasury Dept. Guidelines are scheduled to be released by March 4. More

ECONOMIC STIUMLUS PACKAGE

By: Matthew Barrett Payroll Views: 3457 | Comments: 0 | Votes: 0

Matthew Barrett

While Congress and economists debate the effect of the just-approved stimulus package on the economy, small business owners should begin to focus on the practical implications it will have on payroll, tax filings, and employee benefits. The credit will be received by workers in their net paychecks through adjusted tax withholding tables. "Paychex clients can rest assured. More

To File or Not To File

By: Kerry Freeman EA Tax Planning Views: 2991 | Comments: 0 | Votes: 0

Kerry Freeman EA

To File or Not To File  You must file a tax return if your income is above a certain level. The amount varies depending on filing status, age and the type of income you receive. For example, a married couple both under age 65 generally is not required to file until their joint income reaches $17,900. Federal Income Tax Withheld. 2. Recovery Rebate Credit. 3. 4. 5. 6. More

Summary of Seller Financing

By: Alan D. Fisher Real Estate Views: 2377 | Comments: 0 | Votes: 0

Alan D. Fisher

The benefit of seller financing Many home owners dread being involved in a situation where a property they've listed for sale has been sitting unsold for too long. The basic reason is usually the same - the asking price is too high for the market conditions. In these situations, the seller is forced to lower their price in hopes of making the property more attractive to buyers. More

Art Of Saving Launches National Savings Day

By: Art Of Saving Personal Finance Views: 2713 | Comments: 0 | Votes: 0

Art Of Saving

San Diego, Calif. – Feb. 18, 2009 – Art Of Saving, a personal finance social network, has started a petition to establish, recognize, and honor a National Savings Day in the USA. Why we need this day of recognition? With the current economic decline, times are bleak for American consumers. Many families are only three pay checks away from bankruptcy. More

Need an Answer? Ask Savism Experts!

By: Art Of Saving Financial Planning Views: 2551 | Comments: 0 | Votes: 0

Art Of Saving

Have a question? Need an immediate answer? Talk to Savism Experts Today!   Art Of Saving is pleased to announce a new feature Ask Experts! Now you can contact our experts directly for professional advice. Not sure who to contact yet? No problem! Post a general question (in Ask a Question box) and our members, as well as our experts will provide you with instant feedback. More

Future Payments or Cash Now

By: Alan D. Fisher Real Estate Views: 2405 | Comments: 0 | Votes: 0

Alan D. Fisher

Creative home sellers who offer seller financing to potential buyers can often sell their houses more quickly (and at a higher price) in a slow market. Similarly, the process for obtaining a large cash payment for the seller after a note is created varies from the conventional real estate closing technique as well. An alternate marketing strategy is required for finding note buyers. More

Understanding the Note Buyer's Mindset

By: Alan D. Fisher Real Estate Views: 2247 | Comments: 0 | Votes: 0

Alan D. Fisher

Market pricing for real estate cash flows Banks and other financial institutions purchase cash flows on a regular basis. These payment streams are often purchased without a discount. Aside from a change of recipient address for their monthly payments, the transfer is completely seamless to the payer. If the buyer of the loan is comfortable with the risk, then no discount is needed. More