Money

Stan Smith / December 14,2019

Your Year End Retirement Planning & Tax Saving Checklist

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Happy Holidays!

Steve Chen

Happy holidays – give yourself the gift of tax savings

As we head into the holiday season and New Years it can pay big dividends to spend a little time seeing if any year end moves can help you save a lot on taxes or improve your financial situation. 

This month I asked people in our community and on our team for their top end of year retirement and tax planning tips. Here they are:

Build a plan 

This simple step can help you get organized, see what your levers are and make smart decisions today and in future years. In a few minutes you can build a plan that lets you:

  • See your net worth today and over time.
  • Build a projection of what your retirement income will be and what drives it (such as Social Security, part time work, any pension, Required Minimum Distributions (RMDs).
  • Project your expenses based on your current lifestyle, future moves, healthcare and taxes today and into the future.
  • Think through Social Security and Medicare claiming strategies.
  • Explore “What If” scenarios – for example what happens if you retire at 60 vs 65, go part time at 55, move abroad for a few years or do a series of Roth conversions to minimize taxes.
  • Make smart choices around the things you can control (savings, investing, when you retire, where you live) and understanding your options to manage the risks you can’t control (inflation, market returns and longevity). 

If you want to get started on your own plan you can check out this new free retirement planning tool.  

Maximize your company plan contributions

Stan Smith / December 08,2019

Five Tips for Financing Investment Property

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Five Tips for Financing Investment Property

Interested in Investment Properties? Five Things You Should Know

In today’s financial climate, investing in the stock market can be an uncertain venture at best. For this reason, many investors are looking to the real estate market as a fairly reliable, steady of passive income. To be certain, investment properties can have lucrative returns. However, most buyers simply don’t have the cash necessary on hand to purchase a rental property outright. All but the most established rental property investors will need to finance an investment property. Even if you’ve already undergone the process of securing a personal mortgage for your own home, you’ll find some significant differences when it comes to financing investment property. Learn a few key tips regarding procuring financing for your investment. 

1. Prepare a Significant Down Payment

Unlike traditional home mortgages, which may allow mortgage insurance in exchange for a relatively low down payment, investment properties do not qualify for mortgage insurance. For that reason, you’ll likely need at least 20% down to secure financing from a lender. However, that 20% is on the low end of the spectrum; the more you can contribute to the down payment, the better. 

Stan Smith / November 28,2019

Best Refinance Loans

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Contents
  1. Commercial mortgage rates
  2. Long term prospects
  3. Pretty steep student loan
  4. Commercial real estate

Older mortgage borrowers with broker-originated refinance loans reported more broker-initiated contact, more reliance on the broker to find the best loan, and a higher response to advertisements that.

Try our easy-to-use refinance calculator and see if you could save by refinancing. Estimate your new monthly mortgage payment, savings and breakeven point.

Mortgage Rates Commercial Property commercial mortgage rates. Currently, the types of properties that lenders prefer are: multi-tenanted office, retail, industrial, and warehouse properties in good locations and in solid markets. In addition, single tenant properties will be considered for credit tenants and owner occupants in good financial condition.

The single biggest financing / liability / lots-of-interest-paid-over-time decision many people make, is choosing a mortgage.

Best Commercial Loans Compare commercial mortgages. Find the best loan to value ratio with B2B Commercial mortgages who offer an online service while charging no broker fees. B2B are NACFB members can help you find the best deal suitable to your financial needs.

Want to be free of your student loan debt? Try these five things. Student loans are a necessity for many students who are interested in higher education, but they also bring with them an enormous.

Stan Smith / November 27,2019

Home Mortgage Rates Fort Worth

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Home Mortgage Rates Fort Worth

Contents
  1. County conforming loan limits 1 unit
  2. Conforming loan limits
  3. Mortgage interest rate
  4. Worth offer dfw investor lending

Home Mortgage Rates Fort WorthTexas’s best Home Equity Lenders. Use our comparison tools and find the best Fort Worth Home Equity mortgage companies, Tarrant county conforming loan limits 1 unit (Single Family) $453,100, 2 unit (Duplex) $580,150, 3 unit (Tri-Plex) $701,250, 4 Unit $871,450, Tarrant County High balance conforming limits 1 unit (Single Family) $484,350, 2 unit (Duplex) $620,200, 3 Unit (Tri-Plex) $749,650, 4.

Builder confidence in the market for newly-built single-family homes remains strong thanks to low mortgage rates and positive.

What’S The Hottest Time Of Day? Fort Worth Home Loan Library | City of Fort Worth, Texas – Mayor’s Summer Reading Challenge. We’re joining forces with read fort worth and other community partners to explore a universe of stories and out-of-this-world experiences in the Fort Worth Mayor’s Summer Reading Challenge.In reality, this is the best time of day to tan and it gives you great results with minimal risks. Sure, it does take a little bit longer, but it’s better to have patience with the process than to end up burned to a crisp. Or, even worse, with a life-threatening condition.

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