JR's Blog

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Education & Training - CENTURY 21 JRS Realty
This blog will be dedicated to "Best Practices" by agents. I will post the philosophies and concepts that I teach to LEAD the agents I work for. As the broke I exist for my agents, they do not exist for me.
RECENT BLOG POSTS
Taking out a home equity loan against the value of your property can backfire if you fail to avoid these common pitfalls in the borrowing process.When you need a quick source of funds, a home equity loan can be tempting. Done wisely, you can use the lower-interest debt secured by your house to pa...
08/12/2010
Home equity loan and refinancing scams can cost you more than money-these scams can cost you your house.Progress K  Effort Low 1-2 days (research loans) Investment Low $37 (avg credit report fee)  Scammers will often try to charge you for services they'll never actually perform. They may even use...
08/12/2010
We all know what is going on in Real Estate across this great country of our. But who is ultimately blamed for for a deal falling apart. The listing Agent, that's who. No matter how and phone call are made, no matter how many hours Realtors put it, it comes down to the Listing agent being held re...
08/09/2010
Wary of a volatile stock market and concerned about by European debt woes investors moved to bonds last week pushing bond prices up and mortgage rates down. Mortgage rates, which move the opposite direction of mortgage-backed securities prices, had wavered just below 5% for much of the year until...
08/09/2010
Working from home can offer many advantages including tax deductions, just take care what you try to write off for your home office on your return If you work from home, even on a part-time basis, you can probably save a few dollars come tax time. That's because if you itemize your deductions on ...
08/02/2010
Homeowners who are eligible to deduct private mortgage insurance, or PMI, premiums can shave hundreds of dollars off their income tax bills. Your lender should cancel your private mortgage insurance once you have 22% equity. Image: Susan Vogel/UpperCut Images/Getty Images  If you put down less th...
08/02/2010
Buying a new Energy Star appliance can lower your utility bills and perhaps even earn a cash rebate from your state. There's another reason besides saving on utility bills to replace your clunker appliances with energy-efficient models: a cash rebate. States, using up to $300 million in federal f...
08/02/2010
Long-time homeowners and first-time homebuyers may benefit from a new federal tax credit when purchasing a home. Do You Qualify? You qualify for the Extended Homebuyer Tax Credit if: You meet IRS income and homeownership rules. .You signed a binding contract by April 30, 2010. .You close on a hom...
08/02/2010
From energy tax credits to vacation home deductions, check out these tax tips for homeowners looking ahead to 2010 returns. Tax planning for homeowners should start well in advance of the April 15 filing deadline each year. If you delay until the last minute, it might be too late to maximize tax ...
08/02/2010
If you want a yard that demands less time, money, and water, consider ground cover rather than a traditional lawn. Americans have long had a soft spot for lawns. Turf grass covers nearly 47 million acres in the U.S., according to the Lawn Institute. But there's plenty that's not green about all t...
04/18/2010
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"You can have anything you want in life if you help enough other people get what they want". Zig Ziglar. That is my golden rule, and it trickles down to every agent. Agents help client get what they want, and I help agents get what agents