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RECENT BLOG POSTS
As we reported here on Black Hills mortgage delinquincy rates last quarter, our mortgage delinquincies continued this quarter at near the lowest in the entire country according to Transunion.  If anyone still dreams that real estate in the Black Hills is for bottom-fishing, this should be a wake...
11/17/2009
It just got better and also more complicated.  On November 6 President Obama signed the Extended Homebuyer Tax Credit.  The November 30 deadline is gone.  The $8,000 cash incentive for first-time buyers has been extended to next year.  Congress even added a $6,500 credit for current and former o...
11/10/2009
  The 1031/Starker Exchange is one way to avoid or defer capital gains on property. But the IRS also recognizes the "Reverse-1031." We believe the Reverse-1031 can become more attractive in this real estate market, particularly if you suspect the valuation outlook for your next property is rosier...
10/29/2009
Most people assume that an IRA is synonymous with stocks and mutual funds. Not true. When Congress set up the IRA tax deferral concept, they deliberately left it wide open for us to invest our IRA's in many kinds of assets other than stocks. But most stock brokers sure don't tell you about this....
10/27/2009
How can you draw value from your home to pay critical expenses without selling? The rising press coverage and skyrocketing use of government-led reverse mortgages might seem at first to offer a solution for you or your parents. Yes, but a furry rattlesnake could feel cuddly at first, too. A reve...
10/27/2009
There is no "the" market. Pick your stats to match your fancy. Nationally, things are looking up (on the surface), in general, with some key exceptions. Locally, things are staying strong (on the surface), with some key exceptions.Nationally, Consumer Confidence is up, mortgage rates are down, n...
10/25/2009
There is no "the" market. Pick your stats to match your fancy. Nationally, things are looking up (on the surface), in general, with some key exceptions. Locally, things are staying strong (on the surface), with some key exceptions.Nationally, Consumer Confidence is up, mortgage rates are down, ne...
10/24/2009
Every home buyer should require a prepurchase home inspection. But you should also know what common risks and hazards are not included in standard inspections. This is one of the most under-rated and mis-handled steps in home buying.Our standard home buying Purchase Agreement contract offers a cl...
10/24/2009
We believe more strongly today that, on top of what's already happened, a perfect storm may be brewing in our local housing market. This is due to evidence of colliding structural forces.Prices are way down nationally, steady locally. But the number of newly listed homes continues to plummet, bot...
10/24/2009
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    Consumers, beware! The rising tide of "greenwash" is about to drown the minority of homes and household furnishings that are, in fact, "green." When you buy "pure" orange juice, the Federal Trade Commission requires certain criteria be met to use "pure." Same with EPA-certified automobile mil...
09/25/2009
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Lee Alley

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