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The IRS is Out to Get You
Skyrocketing real estate prices and "cash out" refinances have the IRS foaming at the mouth. For years, homeowners have been
able to take advantage of the fact that the IRS has been unable to track the segregation of loan transactions by loan proceeds
usage. In 2007, that all ends, and it could leave you footing some hefty tax bills. The IRS is Out to Get You »
Top 10 DIY Mistakes
The first thing any savvy do-it-yourselfer should take into account when considering a new project is that it will probably
take twice as much time and three times as much money as you thought. Or maybe it's three times as long and twice as much
money. Either way, there's a good reason why it's true: DIYers make mistakes. Top 10 DIY Mistakes »
6 Questions to Ask Before Signing
You've decided to sell your home. It's probably the most valuable thing you own, and you're hoping to get top dollar for it -- soon.
Don't take the easy way out. This is no time to go with your next-door-neighbor's cousin Teddy because he needs the money or
that cutie-pie agent whose photo you see in the local homes magazine. 6 Questions to Ask Before Signing »
New or Used? Which is for You?
The durable argument of whether it's best to buy a new home or older one dates back centuries. And it's never quite
been resolved. For every qualifier, there's a disqualifier. Buying a home should be more of a lifestyle decision, because so
much of the economics are beyond your control. New or Used? Which is for You? »
Reinvest or Pay Down Debt?
Many homesellers come to a crossroads when deciding what they should do with the proceeds from a home sale.
Should you re-invest all the equity from the sale of your current home? Maybe not! There are other options that could potentially
save you money and offer greater cash flow for your family. Reinvest or Pay Down Debt? »
How Shopping Rates Can COST You Money
If you want to save yourself thousands of dollars please take the oath with me right now "I will not shop for the lowest interest rate."
By shopping for the lowest mortgage interest rate you play right in to the hands of unscrupulous mortgage originators and you can wind
up spending thousands of dollars unnecessarily. How Shopping Rates Can COST You Money »
Remodeling Your Home Office
Improving Costs:
On average, $10,526, according to 2002 figures from Remodeling magazine, an industry trade publication. 55 percent of the remodeling dollar comes back at resale, according to Remodeling. "Of all the projects we track, this returns the least," says Jim Cory, a senior editor. In some parts of the country there's not much demand for the home office. But in others, especially larger metro areas, it can be a big selling point.
Features to consider:
How many phone lines do you need? Would quad outlets, as opposed to the standard two-plug residential variety, better accommodate your computer, fax, scanner, etc.? How much power will you need in the room, and might you need an extra circuit? Where do you need to place certain machines to be most efficient, and where will you need outlets? And where is the room, in relation to the rest of the house? Do you need total quiet or do you want to be able to keep an eye on the kids? Remodeling suggestions and helpful hints: "Think through whether you have the proper amount of knee space," says Darius Baker, certified remodeler and committee vice chairman for the National Association of the Remodeling Industry. "Allow enough room for the computer [so that you] still have room to work." Want to get the latest technology without rewiring the house? Do what "This Old House" general contractor Tom Silva does in his own home, go wireless.
New products:
"Everything is getting smaller," says Manfredini, a home improvement expert for Ace Hardware Corp. Space-savers, like flat monitors, smaller CPUs and folding, adjustable keyboard trays, are great options to save space. Also, pros are installing Category 5 wiring to handle current and future technological needs. For a clean look, electricians "fish" the wiring through the walls, through several holes in the drywall, putting an end to the tangle of electrical cords.
Special problems:
What's modern today could be mothballed tomorrow. Just like a corporate office, the home office needs to prepare for upgrades. "That little bit of planning up front will make your job a lot easier," says Manfredini. Do-it-yourselfers, unless they are part-time electrical contractors, don't do a neat job with all the wiring needed for a totally modern office. Home offices also need enough outlets. And, whoever is doing the job, don't skimp on the lighting. Homeowners can probably install storage, paint and hang new closet doors. "They can do plaster, tile, blueboard -- it depends on where their expertise lies," says Silva. But for rewiring, call a pro.
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If you've been knocking around the idea of selling your home - NOW is the time to do it! The Houston area is seeing a huge shortage of available homes on the market, and that has created a fantastic sellers market. Call Now: 281.787.0930


Interest rates are reaching all time lows and builders are desperate and offering unheard of incentives for new homebuyers. If you're considering
making the jump from renting to buying, we want to talk to you! There are still loan products that can get you into a home with very little or even zero down! Call Now: 281.787.0930


Curious to see what you could qualify to buy? Apply online for loan approval now. It only takes a few minutes, and three local lenders can tell you what you could qualify to buy!
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