The investor appreciates that his or her time is money, so they understand that working with a knowledgeable Realtor in the areas where they wish to invest is invaluable to them. You save them this precious time.
CTEC classes How do you know what your loan officer is making on the back? It is disclosed, but you need to know what you are looking at. It’s called ‘yield spread premium’ or YSP. Be careful of this though. Just because you don’t see it does not mean it’s not there. When your loan officer is selling you a loan from his own company, he does not need to disclose the YSP. The YSP is what the ‘broker’ charges over what the lender offers. If dealing direct with the lender there is no YSP. Even if the loan officer can get you that 6.5% and sells you the 7% instead, because he woks for the lender there is no YSP. Ask if he is a broker or direct lender. As with almost anything either can be sold well.
CTEC approved provider The 529 plan offers enormous tax savings if you use the money for its stated cause–putting your child through college. Though your contributions to the fund are not considered tax-deductible, it will grow free of taxes and any withdrawal is also not subject to federal taxes. Depending on where you live, you might also get state tax deductions or exemptions from contributions or withdrawals.
And I doubt that our abused Heather told Mario’s 2nd wife, Janice, what she really thought of her – or her mean daughter – that his obituary said was Mario’s surviving daughter. Heather, too, has a good forgiver.
Muni bonds should be owned in your taxable brokerage accounts, and not in your IRA or 401K accounts because income in those accounts is already tax-deferred.
CTEC courses 10 – Retirement tax credit This one also can come with a deduction. This credit is fashioned to give moderate- and low-income taxpayers a motivator to save income tax for retirement. Make a contribution into your retirement account. That money isn’t taxed presently. So, it’s like you acquired a deduction off your income. In addition, you get a credit of as much as 50% of the first $2,000 invested. That’s as much as a $1,000 reduction in your tax.
So, we go down and pay for our new investment: A whooping $1650.00. Now, we’ve got to get her in the trailer and take her home. The trainers trailer is small. One of those older two-horse straight loads with a little escape hatch on each side. OK for Arabians but a bit on the tiny side for Thoroughbreds. It was like loading this huge horse into a totally covered and enclosed starting gate. It was, to say the least, a project. Success was found in about 20 minutes and we were on our way down the road. I give most of the credit to the intellect of the horse.