Gated Estate, Private Roxbury CT Horse Property - 07/29/12 10:04 AM
www.HomeSalesByDeborah.com - Connecticut is the southmost state in New England.  As one of the original thirteen cononies this state is rich in our American history.
Connecticut is the wealthiest state per capita in the US, yet the third smallest.  It is full of rural charm and beauty.  You’ll find lakes, beaches, state parks, farms and forest lands throughout Connecticut. 
Connecticut, known for its affluence is also considered one of the safest states to live in.  Major attractions include historical sites to visit are:  Fall Foliage, Yale University, Old Mystic Seaport, Mark Twain Home, Ridgefield Keeler Tavern, Gillette Castle, CT River … (0 comments)

Luxury Estates in Washington CT - 07/29/12 09:06 AM
HomeSalesByDeborah.com.  Everyone is looking for something different in their new home. What are you in the market for? No matter what you are seeking out, you have come to the place where you will be able to make it happen. Would you like to see some of the high end luxury estates in Washington CT or are you in the market for something that is a little bit more modest? Are you looking for a home that is secluded or a home in the middle of the city? No matter what you might be seeking out, I am the real estate … (0 comments)

Basics Of Asset Allocation! - 07/29/12 08:05 AM

Your asset allocation strategy represents your personal decisions about how much of your portfolio to allocate to various investment categories, such as stocks, bonds, and short-term investments. Several concepts are important when considering your asset allocation strategy:

While each type of investment tends to increase in value over time, each is also subject to declines over the short term. Asset allocation is designed to help protect investors from this volatility. Various investments are affected differently by economic events and market factors. Some asset classes move in opposite directions while others move in the same direction at varying speeds. By … (0 comments)

Tax Payer Groups Find Most Homes Overassessed! - 07/29/12 07:38 AM
Topic Summary:  If your home's value has dropped you may want to investigate a property appeal. But doing so mandates you have proof and the numbers to back up your claims. The most important piece of information you will need is a solid home valuation. Yes, there are websites that can give you an approximation on value but your Real Estate Professional can help the best. He or she has all the tools to help you out and knows the ins and outs of the issues you will face.  Also, in most areas you can make an appeal during the tax … (1 comments)

Do You have a Health Insurance Rebate Coming? - 07/28/12 08:37 AM
Topic Summary: On June 21, the U.S. Department of Health and Human Services announced that 12.8 million Americans with health insurance were due $1.1 billion in rebates under the act's medical loss ratio rule that took effect last year.That Affordable Care Act rule requires insurance companies to spend at least 80 percent of subscriber premiums on health-care claims and quality improvement initiatives. The other 20 percent is left for administrative costs and profits.Not all money will flow directly to consumers: For those who receive insurance through their workplace, the health insurance plan will send a rebate to the employer. It is … (1 comments)

Realtor Caravan and Time Management! - 07/28/12 08:27 AM
 
How do you feel about attending weekly or regular realtor caravans?  Is it a good use of your business time?  I used to participate in this activity to familiarize myself with areas, neighborhoods and how a home should be staged or appear for showings.  And I do consider caravans as an educational function, however with my business demanding my time I had to take a different look at my time management. 
First of all, how do our customer/clients view homes?  Are they dependant on us to pick the homes that they will visit?  My buyers send me the list … (1 comments)

A Homebuyer's Dilemma... - 07/28/12 08:18 AM
 
 
 
 
The "savings" comes from the money you have in your pocket, each month, by paying off the mortgage over 30, rather than 15 years. The difference is what you should invest.
 
For example, let's say you take out a 30-year mortgage at 7.25 percent interest. Assuming a 40 percent combined federal and state tax bill, your after-tax cost of borrowing is only 4.35 percent (7.25 percent times 60 percent).
 
If you invest the monthly savings in stocks and earn more than 4.35 percent a year after taxes, your longer-term mortgage already is paying off. … (0 comments)

Do Home Values have a Walmart effect? - 07/28/12 08:08 AM
Topic Summary:  Just about every time a new Walmart is planned, many local residents claim that more crime, pollution and congestion will result from allowing the new strip mall to proceed. In the past, the same vocal residents claimed a negative impact on home values. A recent economic impact study was completed and released.Walmart currently operates more than 4,400 stores and employs almost 1.4 million people. The company does exhaustive research when it plans a new store and often times has to go before local zoning agencies to make  a case that it will add more positives than negatives to the … (3 comments)

DISASTER PREPARATION: RESOURCES AND SOFTWARE - 07/28/12 08:01 AM
 
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Home for Sale, Bethel CT, 3 bedroom, 2 ½ Baths 704 Lexington Blvd - 07/09/12 06:57 AM
 
203.994.4297.  Look no further!  This home was just reduced and has a $3,000 seller’s concession towards closing costs.  Less than 10 years old, has all the builder’s upgrades including hardwood and tile flooring on first floor, cherry cabinets with Corian counter tops in the kitchen, full finished lower level great room with walk out and gas fireplace.  All with gas heat and central air conditioning.  Also, a two car garage with storage space.  
Located is a great well planned community with Pool and beautiful gardens.  Low association dues. 
This home has easy access to I 84 for most commuting … (1 comments)

Home for Sale New Fairfield CT, 4 Bedroom, 2 Full Bathrooms - 07/08/12 04:41 PM
 
203.994.4297.  Don’t miss this opportunity!  This cozy updated home has seasonal views of Putnam Lake – that’s how close you are to New York State.  This home is listed to sell and has low Property taxes that, coupled with home prices down and interest rates at an all time low makes NOW THE TIME TO BUY A HOME in CT!  Commuting to Lower Fairfield County or Westchester County and beyond couldn’t be any easier! 
This home has stone and wood siding, newer roof, newer septic and a private landscaped yard, including a relaxation pond. 
Inside you’ll find a … (1 comments)

CAN'T PAY THE IRS WHAT YOU OWE? ....NEW PROGRAMS ANNOUNCED - 07/05/12 08:46 AM
 
If you find yourself unable to pay what you owe the IRS, there are things you can do. The IRS recently unveiled a few new programs to help struggling individual taxpayers and small business owners pay off tax debts and avoid tax liens. Also see the informative videos on the  collection process.
One of the more widely used steps is called An "Offer In Compromise", where you plead your case to the IRS as to why you could not or cannot make the payment due.
What Is An Offer in Compromise What You Must Know Before You File an Offer in … (1 comments)

IRS: SWAP YOUR VACATION HOME IN TAX-DEFERRED EXCHANGE - 07/05/12 07:45 AM
 
Many taxpayers own vacation homes that they've rented out and also used as their personal residences. Can one of these homes be traded for another vacation home in a tax-deferred Section 1031 exchange? According to the IRS, the answer is "yes" under the right circumstances. The IRS has even issued guidelines for how to do it. (IRS Revenue Procedure 2008-16) This article explains how to qualify for IRS-approved Section 1031 exchanges of "mixed-use" vacation properties, which have been rented out as well as used for personal purposes.
Section 1031 Exchange Basics
To execute a legitimate tax-deferred Section 1031 exchange, … (1 comments)

PROS AND CONS OF PREPAYING YOUR MORTGAGE - 07/05/12 07:14 AM
 
You've got some extra cash lying around and you're struggling with how best to use it. If you are like most people, you've probably given some thought to paying down your mortgage. Doing so gives many people a sense of security. However, before taking this step, it is important to weigh several factors: How much money could that cash earn elsewhere? And will your lender assess an early payment penalty if you pay in advance?
Let's Run Some Numbers
For borrowers with fixed rate mortgages, paying a little extra each month can reduce the amount of money owed on the … (1 comments)

Equestrian Property For Sale in Roxbury CT - 07/04/12 05:28 PM
  Leave the hustle and bustle of the city behind as you embrace the peaceful tranquility of the fresh air and serene beauty of this horse property estate. There are too many amenities to mention them all, but they include:  42 acres property with the 6,000 sq. ft., elegant home, beautifully updated barn featuring full tack room, 14 stalls, washing stall, feed room, office and full bath.
  Additional structures include a 3-bay equipment garage, 3 smaller farm buildings, and a comfortable apartment (930 sq. ft. – one bedroom, one bath). The property boasts four paddocks, along with a pond and … (1 comments)

 
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Deborah Laemmerhirt, CT,Newtown, Bethel, Ridgefield, Redding,Roxbury,Bridgewater

Brookfield, CT

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Previews - Coldwell Banker - CT

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