Month of February
Dave Werth 218-790-7653 - Kvamme Real Estate
" A little dose of everything all in one email"
QUOTE's OF THE MONTH - Bryan Dodge
"Failure uses temptation to destroy wonderful people. Failure doesn't own temptation, we all do. I have chosen to use it to build people."
"The brain is the greatest computer in the world, and 'why?' is the key that opens it."
"Those that focus on the 'how' in life always work for those that focus on the 'why.'"
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Interest Rates - 2/2/10
|
Conforming 1and FHA Loans |
||
|
30-Year Fixed |
4.875% |
5.065% |
|
30-Year Fixed FHA |
5.500% |
6.245% |
|
15-Year Fixed |
4.250% |
4.573% |
|
5-Year ARM |
3.875% |
3.564% |
|
5-Year ARM FHA |
3.875% |
3.323% |
|
Larger Loan Amounts in Eligible Areas - Conforming and FHA.1 |
||
|
30-Year Fixed |
5.125% |
5.264% |
|
30-Year Fixed FHA |
5.250% |
5.924% |
|
5-Year ARM |
4.250% |
3.652% |
|
Jumbo1 Loans - Amounts that exceed conforming loan limits1 |
||
|
30-Year Fixed |
5.750% |
5.895% |
|
5-Year ARM |
5.000% |
3.930% |
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FIRST TIME HOME BUYER TAX CREDIT INFORMATION
Please log on to: http://www.federalhousingtaxcredit.com/
Are there any income limits for claiming the tax credit?
Yes. For sales occuring after November 6, 2009, the income limit for single taxpayers is $125,000; the limit is $225,000 for married taxpayers filing a joint return. The tax credit amount is reduced for buyers with a modified adjusted gross income (MAGI) of more than $125,000 for single taxpayers and $225,000 for married taxpayers filing a joint return. The phaseout range for the tax credit program is equal to $20,000. That is, the tax credit amount is reduced to zero for taxpayers with MAGI of more than $145,000 (single) or $245,000 (married) and is reduced proportionally for taxpayers with MAGIs between these amounts.
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RECIPE OF THE MONTH - Brian Johnson ( Valley Mortgage - 701-388-5476 )
½ Box Whole Wheat Penne Pasta
1 Jar Bertolli Alfredo Sauce
3 large Chicken Breasts
2 containers fresh mushrooms
1 tablespoon Minced Garlic
1 tablespoon Crushed Red Pepper
1 Cup Skim Milk
¼ cup White Whine Vinegar
1 tsp Sea Salt
Lantana of Texas (or Lawry Seasoning)
Olive Oil
16 Oz Mozzarella Cheese
8 oz Romano Cheese
Cook Pasta. Cut chicken into strips and cook over olive oil. Slice mushrooms and sauté with olive oil and minced garlic. Set aside after sautéing for 20 mins. Coat chicken with Lantana of Texas (or Lawry Seasoning) and cook thoroughly. In mixing bowl mix alfredo sauce and milk with crushed red pepper.
Pour pasta into baking dish. Top with chicken and Romano cheese. Top with mushrooms. Top with Mozzarella Cheese. Bake at 400 degrees until warm.
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Restaurant of the Month: JUSTY's BBQ @ Osgood
Justy's BBQ at Osgood
4400 Clubhouse Dr.
Fargo, ND 58104
Phone: 701-356-3673
South Fargo
Map this location
Looking for a Restaurant, check out this Chamber link to over 350 Restaurants to choose from: http://www.fargomoorhead.org/restaurants/index.php?v=style
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MONTHLY BRAIN TEASER
What can run but never walks, has a mouth but never talks, has a head but never weeps, and has a bed but never sleeps?? Answer is at the bottom of the email
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PROTECTING YOUR IDENTITY
More than half a million people find themselves victims of identity theft each year. If you're an ID thief's mark, you'll likely face years of lost money and added frustration as you work to clean up the mess.
The best protection is prevention. Here are some tips to safeguard your good name:
1. Be watchful of shoulder-surfers. At ATMs and phone booths, thieves will stand close enough to see PIN numbers punched in by users.
2. Mind those credit card receipts, especially since only a few credit card receipts have stopped listing full account numbers and expiration dates. Put the charge slip copies in a safe spot until your credit card bills arrive.
3. Buy a shredder and use it. Shred everything, including credit card receipts (after you've reconciled your bill), old bank statements, medical statements, everyday bills, and pre-approved credit card offers. Any document that has personal financial information on it can give an identity thief a foothold into your life.
4. Write clearly on all credit applications. Consistently and completely fill in all credit and loan applications using your full name, first, middle and last. Every bill that comes to your house should be addressed exactly the same.
5. Monitor your credit accounts carefully, so you'll know if a bill's missing or unauthorized purchases have been made. Close out unused credit cards. Cutting them up is not enough.
6. Limit the number of credit cards you carry. The fewer cards you have, the easier it is to track them.
7. Get a credit report at least once a year and clean up any errors. Look for personal information and credit accounts that are not yours. Credit bureaus make mistakes.
8. Never leave paid bills in your mailbox for the mail carrier to pick up. Drop them off at a post office box.
9. If you're moving, contact all your creditors and update them of your address changes immediately. You don't want credit information and new credit cards being delivered to the wrong address. Likewise, if your credit card expires and you don't receive a new one, call your creditor immediately.
10. Protect your Social Security number. Only give your Social Security number when absolutely necessary. Avoid using it as your account number whenever possible. If merchants demand it, ask for an alternate number and take your business elsewhere if they insist on writing it on your check. Likewise, don't print it on your checks.
11. Never carry your Social Security number and driver license together in your wallet.
12. Don't provide your Social Security number, bank account number or credit card number to anyone who contacts you through telephone solicitation.
13. If you're shopping with an online merchant for the first time, look for the Trust-e symbol or a Better Business Bureau online seal. These indicate the seller has been independently audited and deemed trustworthy.
14. Make sure any online credit card charges are handled through a secure site or in an encrypted mode. You'll know you're on a secure site if the Web page on which you conduct your transaction begins with https instead of the usual http.
15. Only shop on Web sites that offer a privacy policy. Know how your personal information will be handled. Print out privacy policies, warranties, price guarantees and other important information.
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Sincerely,
Dave Werth
218-790-7653 Cell
218-236-7534 Fax
Kvamme Real Estate
3401 S. 8th St.
Moorhead, MN 56560
Answer to the Monthly Brain Teaser: RIVER
<a href="http://activerain.com/davew"> <img src="http://activerain.com/images/linking/ARLogoProfile.gif" alt="Dave Werth ABR GRI (Kvamme Real Estate): Real Estate Agent in Fargo, ND"/> </a>
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