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FOR SALE – CASTLE PINES VILLAGE CASTLE PINES NORTH – REAL ESTATE
HOMES FOR SALE – CASTLE ROCK LOCAL REAL ESTATE MARKET REPORT
Megastar Financial Guild Mortgage Your Castle Funding
YOUR END-OF-THE-YEAR FINANCIAL CHECK-UPS
Now is the right time to take a look at a few financial matters:
1. Review health and dental care choices. Many employers allow you to make changes to your benefit plans now. Check with doctors and dentists to make sure they’re still in your plan’s preferred provider network and that your family has adequate coverage.
2. Review use-or-lose accounts. Pretax Flexible Spending Accounts (FSAs) are set up this way. Review your plan to see if you have some spending to do, or if your employer offers a grace period. Even then, make sure 2011 expenses are still allowed in 2012.
3. Review your withholding. Check the withholding calculator at the IRS website. If you haven’t been withholding enough to cover your taxes, you might want to increase the amount. Under-withholding can result in penalties.
4. Get ready for 2011 taxes. Check last year’s returns to see who needs to send you what tax documents, and by when. Make a list and follow up if anyone holds you up at the beginning of the year. Also, check last year’s return for itemized deductions. See if you should make deductible purchases now or wait until 2012.
Note: Be sure to consult with a tax professional before making any decisions related to your tax situation.
5. Set your 2012 financial goals. Now is the time to write down what you’d like to achieve financially next year. Save money for a down payment on a new house? Start a college fund for your kids? Put more into your retirement fund?
Remember, we’re always here to answer any questions…. Have a great day!
PS With today’s extremely low mortgage rates and home prices more affordable than ever, many people are upsizing, downsizing or refinancing. Please call or email us now to discuss your situation.
Thinking about a Mortgage?
Unless you are an all cash buyer, you will need a “financial partner” , also known as a MORTGAGE LENDER, to provide the funds you don’t have to purchase your new home. This requires you to convince your new “Partner”, that you have the capability to pay back the funds they will advance you to enable you to purchase your home.
Whether you’re a first-time buyer looking for the perfect starter house, or a seasoned pro trading up to your Custom Mountain dream home, you are probably asking the same questions: Can I afford this? And is this the right move at the right time?
Of course, you can use a mortgage calculator and ask the experts — lenders, agents, and mom — but the reality is that you are the only one who truly knows whether you can afford to buy right now. And, painful as it is, what you need to start with is a detailed income vs expense report. Analyze what you earn and what you spend (without considering the expected new mortgage) — at least get a full month’s snapshot.
You’ll see where you may have wiggle room in your budget and what you can afford for housing.
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