You have grown in a middle class family and are used to a certain level of comfort. But you have made your mind and your first home is just going to be a crowded two-bedroom condo. What’s available in a decent neighborhood, (and I am not talking great luxury or new buildings on the beach) will cost you around $ 280,000. You were lucky enough to land a mortgage loan with only 3% down, and your savings allowed you to pay all the closing costs, and that’s fine.
I know more people in my community, county, do not have any insurance and most are on the government plan and are taken care of month after month for a small affordable fee that can not afford. I just hope our leaders really think about what they are doing and what is really going on. I just feel they are in a box thinking and not out of the box thinking.
CTEC courses If you have not owned a home in the past 3 years, you are seen as a first time homebuyer. You are eligible for a tax credit of up to five percent the value of the purchase price of the home. The maximum is $10 000 which will be dispersed in increments over 3 years. For instance, if your credit is $10 000, you should be paid $3,333 annually.
If you are at the point where all of your consumer debt (except for your mortgage) has been erased you are in a great place to save for college. This is true whether your children are in grammar school or are in high school. Granted a child in high school means you do not have a lot of time. But remember, you do not have to come up with the money for all 4 years of college on day one of their freshman year.
CTEC classes Long-term care insurance premiums. Eight million Americans now own long-term care insurance policies and premiums may be tax deductible for individuals and self-employed. Many people still overlook this deduction for themselves or when assisting a parent with their own tax filings. And, note that States are increasingly allowing tax deductions or credits for the purchase of long-term care insurance.
CTEC approved provider The base rate that they offer is called ‘par.’ Those of you who are golfers will understand the term. It means basically the base rate. Even. No adjustment up or down. That rate can go up for a rebate, or it can go down, IF you buy it down. Often when doing this you are only buying it down for a specific period so beware.
“It’s not about loans; it’s about changing people’s lives for the better,” says Rory Cambra, president of the North San Diego County Chapter of the donation california Association of Mortgage Bankers and a mortgage banker with Pacific Capital Mortgage.