I File, You File, We All File, Why File?

February 7, 2019

I’ve already stated my disdain for doing my taxes.  For whatever reason, I just dread doing them every year.  That said, I pretty much have everything put together and ready to go.  I just need to print out a few of the statements to have in the file.  Yes, my taxes will get done.  As much as I don’t like doing it, I will continue to do it every year.

It amazes me how many people I come across who question whether they should even bother with filing.  There are a lot of reasons why they question and we’ll take a look at some of the most common situations.

To start us off, “Why should I bother filing my income taxes?” Read the rest of this entry »


Want to Trade Days?

January 31, 2019

So let me tell you about my last 24 hours.  In case you haven’t heard, it’s been cold around here.  Like, really, really, ridiculously cold.  In fact, I heard it’s so cold, THAT place actually had a freeze warning.  Being the GREAT guy that I am, I drove my wife to work the last two days so that she didn’t have to walk the block and a half from the parking lot to her building.  We took the van with remote start and away we went.  Last night, I decided I should probably start my car and get it running a bit so it was ready to go this morning.

Rrrrr……Rrrr…rr………  That’s it.  Nothing.  Dead battery.  True story. Read the rest of this entry »


Make Uncle Sam Work for YOU

January 17, 2019

And so it begins.  We had to start a new collection at home this week.  Our first W-2 showed up.  That’s right, it’s TAX TIME!  I’m not going to lie.  I’m not crazy about taking care of our taxes.  I have other things going on.  And I like doing most of those other things more than doing my taxes.  As much as I know my taxes need to get done………. Oh look, the dog wants to play fetch for a while!

No, no, focus here.  They need to get done.  Because of our deductions, credits, and a good tax person who knows how to work everything within the legal limits, we get some money back each year.  Now that part of my taxes I like.  I just have to get through the filing part first. Read the rest of this entry »


2019 – What is your “Shut Down” Plan?

January 10, 2019

As we start 2019 some of us are faced with a dramatic financial crisis – “What am I going to do now that I do not have Income as I was planning?”  This could be because the Federal Shut Down or that my employment plan I developed in 2018 has not been fulfilled, layoffs, seasonal work or a myriad of other events.  But the biggest question now is “How am I going to address this situation”?

If there was not a plan in 2018,  today may be the best day to start a new beginning by putting a plan together for the current situation or planning for the  future in case you do become part of another type of “Shut Down” Plan.   Read the rest of this entry »


Eviction and What You REALLY Need to Know

December 27, 2018

Last night my wife found an ad on Facebook for a super cute puppy.  Only $100.  If you haven’t shopped for a puppy lately, that’s pretty cheap.  Right in the ad, it stated that they couldn’t keep the puppy because dogs aren’t allowed in their apartments.  That may have been good to know before bringing the puppy home.

key in lockEviction.  It’s a term that brings up a lot of emotions.  Unhappy landlords.  Unhappy tenants.  Things done the wrong way.  Things done legally but that still make people frustrated.  Most people think it’s because of missed rent payments, but it can be for a number of reasons, including an unwelcome new pet.

Since we haven’t achieved perfection, world peace, or anything else like that yet, let’s talk about eviction.  Let’s talk about what can’t happen, what can happen, and what you need to be most concerned about if you are facing eviction. Read the rest of this entry »


To Use or Not To Use

December 20, 2018

That is the question.  Somewhat regularly I will come across a home buyer who is about to sign a contract or already has who is “just working it out directly with the seller”.  After all, they are all grown-ups and can manage themselves.  People buy and sell properties all the time without the use of a Realtor.  You know, it saves everybody a bunch of money by not paying someone to do nothing more than just push paper.

(Insert sound of record scratching here.)

Wait.  What?

Before I go any further, let me explain that this isn’t just some pro-Realtor propaganda.  I’m a fan of using good professionals for a lot of different things. Read the rest of this entry »


Why You Need to Have “The Talk”

December 13, 2018

So….. It’s Christmas.  You know what happens at Christmas?  People give gifts…..really nice gifts.  You know what comes after Christmas?  New Years.  You know what people do on New Years?  They make commitments for the coming year.  Big commitments.  Maybe you have that special someone in your life who is waiting for the “really nice gift” full of “big commitment”.  Yeah, you know what I’m talking about.  It’s time….. to pop….”THE QUESTION”.

Small GiftIf this is you, let me be the first to congratulate you.  Now that that’s out of the way, let’s talk turkey.  No, not the turkey your mom is serving on Christmas Day.  I’m talking about history that can be a real ‘turkey’ when it comes to plans for your future.  I’m talking credit. Read the rest of this entry »


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