November 2011

Found 14 blog entries for November 2011.

From incentives to deductions, taxes are complicated and can be confusing even for the seasoned property owner. Understanding the ins and outs of some common property tax concerns can help save you money and put your mind at ease. Here are three common tax topics.

1. Natural Disaster Relief
If your home is affected by a natural disaster, your damage costs will be deductible from both state and federal income taxes. Disasters include fires, floods, earthquakes, hurricanes and more. Homeowners can deduct their losses by filing an amended return for the tax year before the event happened. This helps to minimize the wait for refund money that can be used to make repairs or pay for living expenses.

2. Historic Rehabilitation
If your home is a certified

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It’s no secret that green housing is a trend on the rise.  For years now, homeowners have been making green renovations, and buyers are on the look-out for eco-friendly homes. As a result, many lenders are offering larger loans, or discounts, to buyers who are making eco-conscious improvements to their homes. The reasoning behind the incentives offered to eco-friendly buyers is relatively simple.  When a home is energy-efficient, it has lower utility bills. The money saved from the bills can be counted as income, so buyers are able to qualify for a larger loan in order to increase home efficiency. Wondering if your green improvement can qualify you for a green loan? Ask yourself if your eco-friendly fix-up will lower your energy bills. If not, then you

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It's an early morning Financials this week so Friday may end up a little different by day's end.
The week is ending with slight improvement to bonds and mortgage rates as the DOW drops 134 on Thursday and early Friday indicators are pointing to a weak opening.  The bellwether 10 year bond dropped into the low 1.9% range Thursday as mortgage rates improved slightly, dropping back down into the very low 4% range.  Early Friday however has the bond off 10/32s pushing up towards the 2.0 barrier.  Everything is based upon the uncertainty in Europe as Spain is now becoming a concern.  Underlying much of the rise in Spain's bond rates is fear that the Euro itself may not survive and Friday we saw the ECB step in to help prop up Spain.  This may help short term

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Making a renovation to your home can be stressful, both on your mind and your bank account. So, when considering a major home improvement project, it’s important to consider what will yield the greatest return on investment, or ROI.  Some improvements offer a greater return than others.  If you’re planning on selling your home anytime in the future, you should consider your renovation an investment. Take a look at surrounding proprieties and comparing features.

You want to make your home comparable to your neighbors’,  but you don’t want your property to stand out to the point it will land in a completely different price range. This will hinder your selling success, instead of enhancing it.  If your neighborhood consists mainly of simple ranch-style

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As the winter months approach, our homes’ first measure of protection against rain and snow is the roof. GAF, one of North America’s largest roofing manufacturers based in New Jersey, offers these tips for how to get your roof ready for the cold winter.

1. Start off by checking the roof framing structure to make sure it is not compromised. Visually scan the roof for any sagging or uneven areas. If you do see an area that looks uneven, this may mean damage to the roof deck below the shingles.

2. Inspect the gutter systems to make sure they are not clogged with branches, leaves, or other debris. This is important to ensure that rain water and snow have a way off of the roof. If the water or snow is left standing on the roof, there is an increased

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After a wild first part of the week, we've seen some stability in the latter part.  Greece has a new PM and is installing a new cabinet which has the Greece watch on temporary hold.  Italy is taking some strong steps to help manage its difficulties and to hopefully avert a Euro meltdown.  Italy appears to be passing the financial reforms needed to avert the bond market meltdown that Europe can't afford - literally. Reuters is reporting that Italian PM Berlusconi has agreed to step down after the financial reforms are passed by both houses of Parliament.  Both the Euro and Italian bonds have firmed up since the announcement.


In the US, we're seeing a relatively quiet Friday with the Bond market closed for Veterans Day.  The stock market is up on

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Barbara Wilson believes that beauty begins on the inside, but she also knows that looking beautiful begins with how a woman feels underneath – underneath her wardrobe, that is.

Owner of Christina’s Luxuries in Boulder, Barbara is a third-generation lingerie boutique owner and an expert in helping a woman feel comfortable before she ever dons that classy dress, a pair of hot jeans or that stylish pantsuit. She was only 11 years old when she began helping in her grandmother’s and mother’s lingerie boutique in New Jersey, and now lingerie is in her blood.

“Lingerie is fundamental to life – the first bra, wedding night, nursing bra,” she says. “It encompasses life, it is self-expression. It’s the first thing you put on in the morning.”

In the five

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Getting out of debt is never a bad idea, but exhibiting self-discipline and following a strategic debt payoff plan will work better than paying off large amounts of debt all at once or cleaning out savings to do so, according to U.S. News & World Report.

The publication recommends avoiding these five dangerous debt payoff strategies:

1. Paying off credit card debt too fast. Paying off credit card bills in one fell swoop after you’ve relied on them for an extended period may give you immediate gratification, but you could end up racking up more credit card debt in the near future. You need to wean yourself off of using credit cards while paying them off so once they’re paid off, you won’t depend on them again.

2. Using emergency funds. The

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Construction began on 658,000 residential housing units nationwide in September – 15 percent more than in August and 10.2 percent more than the 597,000 new homes started in September 2010.

That’s the fastest pace in 17 months, according to the U.S. Department of Housing and Urban Development.

However, apartment construction fueled much of the increase, which creates jobs and boosts the economy but doesn’t mean recovery for the sluggish housing market, according to the Associated Press.

Residential building within the city of Boulder reflects the national trend in which single-family home construction remains inhibited while builders are moving forward with multifamily housing projects.

This year, the city of Boulder has issued 28

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While Boulder County home sales improved month-over-month in September again – the fourth consecutive month – average and median house prices continued to demonstrate volatility.

Boulder communities had 244 single-family homes sell in September, compared with 227 in September 2010 – a 7 percent increase – and 335 in August 2011. In the townhome/condominium market, 88 homes sold in September compared with 72 a year ago – a 22 percent jump – and 118 in August 2011.

The communities of Erie, Longmont and the mountains all saw drops in average price while those communities as well as Superior and Louisville also saw median home prices decrease slightly in September. The mountains saw the biggest drop in both average and median home sale

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