29 January 2013

5 Steps to Take the Dread Out of Tax Season

Thanks!
Sherri Spears, REALTOR®
Keller Williams Realty

2013 Local Chapter President
Women's Council of REALTORS®
Stuart-Martin County Chapter

2012 Entrepreneur of the Year
Women's Council of REALTORS®
Stuart-Martin County Chapter

(t) 772-341-4957
(f) 888-398-4957
(w) www.sherriflrealestate.com

Sent from my android

---------- Forwarded message ----------
From: "Trulia Newsletter" <updates@trulia.com>
Date: Jan 29, 2013 2:16 PM
Subject: 5 Steps to Take the Dread Out of Tax Season
To: <sherriflrealestate@gmail.com>

http://www.trulia.com/email/anews/www.trulia.com/" target="_blank">Trulia agent newsletter
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January 29, 2013 Pass it on
http://www.trulia.com/email/anews/pro.truliablog.com/grow-business/tax-manage..." target="_blank">The 8 Attributes of a 2013 Power Agent
http://www.trulia.com/email/anews/pro.truliablog.com/grow-business/tax-manage..." target="_blank" style="font-family: Arial; font-weight: bold; text-decoration: none; color: #669933; font-size: 18px;">5 Steps to Take the Dread Out of Tax Season

Tax season is about to take off. Did you just feel a chill down your spine? Get ahead of the game this year and ease your stress before it starts.

Follow this http://www.trulia.com/email/anews/pro.truliablog.com/grow-business/tax-manage..." target="_blank" style="color: rgb(0,84,166); text-decoration: none; font-family: arial; font-size: 12px; font-weight: bold;">5 step survival plan for tax season to decrease your worries and increase the likelihood of a refund.

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Check out this short video with one way you can get more exposure for your business: by adding your open house schedule to Trulia.

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Free Marketing Tip of the Week
http://www.trulia.com/email/anews/pro.truliablog.com/sellers/free-download-9-..." target="_blank" style="font-family: Arial; font-weight: normal; font-size: 0px; text-decoration: none;">9 Power Words that Help Homes Sell Faster
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Listing descriptions can make or break your property's first impression. That means you need every word to add value and pack punch.

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FREE Training
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10 January 2013

Volatility Rings in the New Year, see how it affects You!

Dear Sherri,

I found a great post discussing how a mortgage is a financial instrument that
must be tied into your long and short term personal financial plan. This will
allow you to create a debt strategy that will help you to build long term wealth
for you and your family

This is one of the first that I have seen that clarifies current mortgage services
being offered and how they are being marketed.

Check it out here:

http://www.christianpenner.com/volatility-rings-in-new-year

As you can probably already tell, I am a huge believer in helping everyone
achieve their dream of home ownership. "Home loan rates" and "Increasing
property prices" have now suddenly become the hottest issue again.

My team and I are excited to be your financial partners and look forward to
working with you! Our intention is to impress upon you the importance of
making your mortgage a pivotal component to your overall financial planning
strategy.

Our goal is to custom fit you with the best overall financing package by
integrating the financing selected with your long and short-term financial and
investment goals. In addition, we will couple your goals with your payment
and equity objectives.

Today is a great opportunity to consider purchasing a new home or Refinancing
your current home. Home loan rates are still at historic lows, so the time to act
is Right Now!

We want to earn your business and give you our "client for life commitment".

Check it out here:

http://www.christianpenner.com/volatility-rings-in-new-year

P.S. Here's a site where Christian Penner shares and measures the differences
between values of homes and the rate adjustments over time.

Sincerely,

Christian Penner, MLS#368289

Area Manager | Mortgage Banker | Fembi Mortgage 
Cell/Text: (561) 373-0987 /  F: (561) 277-2141
Christian@ChristianPenner.com
Blog: www.ChristianPenner.com

Google: Your Mortgage Banker

www.What-U-Dont-Know.com
www.YourMortgageSolutonsNow.com

            

 

 

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Christian Penner 250 S Central Blvd Suite 101 Jupiter, Florida 33458 United States (561) 316-6800

Bank Settlement Payout to Millions

Thanks!
Sherri Spears, REALTOR®
Keller Williams Realty

2013 Local Chapter President
Women's Council of REALTORS®
Stuart-Martin County Chapter

2012 Entrepreneur of the Year
Women's Council of REALTORS®
Stuart-Martin County Chapter

(t) 772-341-4957
(f) 888-398-4957
(w) www.sherriflrealestate.com

Sent from my android

---------- Forwarded message ----------
From: "The Law Office of Paul A. Krasker, P.A." <lbaltrun@kraskerlaw.com>
Date: Jan 9, 2013 8:05 PM
Subject: Bank Settlement Payout to Millions
To: <sherriflrealestate@gmail.com>

Having trouble viewing this email? Click here
 
Homeowner Assistance DivisionThe Homeowner Assistance Division
of The Law Office of Paul A. Krasker, P.A.
Banks Reach $8.5 Billion Foreclosure Settlement

Ten banks reached a $8.5 billion settlement in response to federal claims of mishandling of foreclosures and debt relief services.

Of the $8.5 billion, $3.3 billion is to be in the form of direct payments to the more than 3 million people people who were in foreclosure in 2009 and 2010.  The other $5.2 billion is earmarked for foreclosure and distressed property assistance, such as loan modifications.

Is it enough?  To read the Palm Beach Post article outlining the settlement, and how some experts feel about it, click here.

Also, like our page on Facebook and tell us how you think this settlement will affect south Florida homeowners.
 
The Law Office of Paul A. Krasker | 501 S. Flagler Drive | Suite 201 | West Palm Beach | FL | 33401

02 January 2013

Special Report - Real estate provisions in fiscal cliff bill

Thanks!
Sherri Spears, REALTOR®
Keller Williams Realty

2013 Local Chapter President
Women's Council of REALTORS®
Stuart-Martin County Chapter

2012 Entrepreneur of the Year
Women's Council of REALTORS®
Stuart-Martin County Chapter

(t) 772-341-4957
(f) 888-398-4957

---------- Forwarded message ----------
From: "Florida Realtors" <email@email.floridarealtors.org>
Date: Jan 2, 2013 3:48 PM
Subject: Special Report - Real estate provisions in fiscal cliff bill
To: <sherriflrealestate@gmail.com>

 						<h2>Florida Realtors® News</h2>


Daily Briefing: Wednesday, January 2, 2013
A service for members of Florida Realtors

Special Report: Real estate provisions
in 'fiscal cliff' bill


WASHINGTON - Jan. 2, 2013 - Yesterday, the House and Senate passed H.R. 8, legislation to avert the so-called "fiscal cliff." Following are real estate-related provisions of the bill, which President Obama plans to sign into law today:

Mortgage Forgiveness Debt Relief Act extended to January 1, 2014. In place since 2007, the act provided a tax break for homeowners who struggled through financial hardship such as a foreclosure, and were granted mortgage debt forgiveness. In the past several months, National Association of Realtors (NAR) issued numerous calls to action urging its million-plus Realtor members to ask lawmakers to extend the tax break for another year. More than a quarter of all transactions involve distressed properties, the NAR said in its plea. "Homeowners shouldn't be forced to pay a tax on money they've already lost with cash they never received."

Deduction for mortgage insurance premiums for filers making below $110,000 is extended through 2013 and made retroactive to cover 2012.

The 15-year straight-line cost recovery for qualified leasehold improvements on commercial properties is extended through 2013 and made retroactive to cover 2012.

The 10 percent tax credit (up to $500) for homeowners for energy efficiency improvements to existing homes is extended through 2013 and made retroactive to cover 2012.

"Pease limitations" that reduce the value of itemized deductions are permanently repealed for most taxpayers but will be reinstituted for high-income filers. "Pease" limitations will only apply to individuals earning more than $250,000 and joint filers earning more than $300,000. The thresholds are indexed for inflation so will rise over time. Under the formula, filers gradually lose the value of their total itemized deductions up to a total of a 20% reduction.

First enacted in 1990 and named for Ohio Congressman Don Pease, who proposed the idea, the limitations continued throughout the Clinton years. The limitations were gradually phased out starting in 2003 and eliminated in 2010. Reinstitution of these limits has far less impact on the mortgage interest deduction than a hard dollar deduction cap, percentage deduction cap or reduction of the amount of mortgage interest deduction that can be claimed.

The capital gains rate remains at 15 percent for individuals earning less than $400,000 per year and couples earning less than $450,000.  Any gains above these amounts will be taxed at 20 percent. The $250,000/$500,000 exclusion for the sale of principle residence remains.

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Senate 'Cliff' Bill Retains Mortgage Cancellation Relief

Thanks!
Sherri Spears, REALTOR®
Keller Williams Realty

2013 Local Chapter President
Women's Council of REALTORS®
Stuart-Martin County Chapter

2012 Entrepreneur of the Year
Women's Council of REALTORS®
Stuart-Martin County Chapter

(t) 772-341-4957
(f) 888-398-4957
(w) www.sherriflrealestate.com

Sent from my android

---------- Forwarded message ----------
From: "Victoria Coyne, Director of Short Sale Innovations" <vcoyne@short-sale-innovations.com>
Date: Jan 2, 2013 10:10 AM
Subject: Senate 'Cliff' Bill Retains Mortgage Cancellation Relief
To: <sherriflrealestate@gmail.com>

Having trouble viewing this email? Click here
Important Message from Short Sale Innovations
January 2, 2013 
Dear Sherri,

 Senate 'Cliff' Bill Retains Mortgage Cancellation Relief 

  

Tax rates would remain the same for most households and mortgage cancellation relief is extended in a budget package passed by the U.S. Senate early this morning to avert the so-called fiscal cliff. The House today could take up the bill, which NAR has been monitoring closely because the fiscal cliff's automatic tax increases and federal spending cuts involve programs important to real estate and impact household wealth. Based on what the House does, the provisions in the Senate bill could change in the final bill.

 

number of what lawmakers call extenders are in the bill. Extenders keep in place expiring tax provisions. Of most interest to real estate, the bill would extend mortgage cancellation relief for home owners or sellers who have a portion of their mortgage debt forgiven by their lender, typically in a short sale or foreclosure sale for sellers and in a modification for owners. Without the extension, any debt forgiven would be taxable, which, for underwater households, represents a financial burden.

 

Also, extended are deductions for mortgage insurance premiums and for state and local property taxes, which, along with the mortgage interest deduction, are important tax considerations for home owners and buyers.

 

Read Article

 


 

501 S. Flagler Drive, Suite 201

West Palm Beach, FL 33401

866.548.9421 toll free

www.short-sale-innovations.com

Short Sale Innovations | 501 S. Flagler Drive | Suite 201 | West Palm Beach | FL | 33401