December 12, 2012 rummy

With the holiday season in full swing, there always seems to be more to do and less time in which to get it done. One of those things that we all want to do, but dread doing because it’s a huge time vampire is sending out holiday cards. Wouldn’t it be nice to find a place where you could create, customize and print your Christmas cards in the comfort of your own home and have them done “lickety split”; in no time at all? Well, the good news is that there is such a place – make that many places…

December 10, 2012 rummy

Here are the 10 Things You Need to Know About the 3.8% Tax according to the National Association of Realtors (NAR): 1.) When you add up all of your income from every possible source, and that total is less than $200,000 ($250,000 on a joint tax return), you will NOT be subject to this tax. 2.) The 3.8% tax will NEVER be collected as a transfer tax on real estate of any type, so you’ll NEVER pay this tax at the time that you purchase a home or other investment property. 3.) You’ll NEVER pay this tax at settlement when…

December 4, 2012 rummy

Most of us alive today either were not around to remember Pearl Harbor or have a faint memory of the impact it had on the United States that dreadful day in 1941 – 71 years ago this week. The base in Pearl Harbor, Hawaii, was attacked by the Imperial Japanese Navy during surprise military strike. 353 Japanese fighters, bombers and torpedo planes damaged or destroyed eight U.S. Navy battleships, three cruisers, three destroyers, an anti-aircraft training ship and one mine layer. In addition to that, 188 U.S. aircraft were demolished and 2,042 Americans lost their lives. This attack resulted in…

November 1, 2012 rummy

1. Thou shalt not change jobs, become self-employed or quit your job. 2. Thou shalt not buy a car, truck or van (or you may be living in it)! 3. Thou shalt not use charge cards excessively or let your accounts fall behind. 4. Thou shalt not spend money you have set aside for closing. 5. Thou shalt not omit debts or liabilities from your loan application. 6. Thou shalt not buy furniture. 7. Thou shalt not originate any inquiries into your credit. 8. Thou shalt not make large deposits without first checking with your loan officer. 9. Thou shalt…

October 26, 2012 rummy

TRICK OR TREAT SAFETY TIPS: Parents: • Arrange for an adult to accompany trick-or-treaters. • Know the route your child will travel and give him or her a curfew. • Be sure children can see through their masks. Costumes should be easy to see, either made from light colors or marked for nighttime with reflective tape. • Dispose of unwrapped candy or candy that appears altered. • Don’t leave your children unattended. • To help plan a safe route, visit the sex offender registry at www.criminaljustice.state.ny.us/nsor/search_index.htm. Trick-or-Treaters: • Don’t eat anything from trick-or-treat bag before your parents have looked at…

October 23, 2012 rummy

So your tenant asked to use the security deposit as rent? This happens to landlords everywhere every day. The rent isn’t paid, you ask the tenant for the rent and they say, “We don’t have the rent this month, couldn’t you just take it from our security deposit?”… or … “We are moving – you’ll just have to use our security.” Most landlords are caught off guard and are dumbfounded when this happens. Beware, this is a common occurrence in the landlord business. The tenant wants to use the security deposit for a purpose other than what was agreed. How…

October 22, 2012 rummy

For many of us, the holiday season is a time that is anticipated with both joy and anxiety. Yes, we love the celebrations, the family traditions, and we have fond memories of holidays past; but along with them, we add the stresses of preparation, expectations and the fear of letdowns, or family squabbles that have happened in the past. Here we’ve provided ten tips can help you prepare for an enjoyable, meaningful holiday season. 1. Set reasonable expectations. Spend some time now setting realistic and manageable expectations for your holiday season. Understand that you can’t do everything and that there’s…