Florida Real Estate: Common Misconceptions About Real Estate And Real Estate Superstitions - Knowledge Financial Group

Common Misconceptions About Real Estate By Anthony Jeanty, The South Florida Friendly Neighborhood Agent And

Real Estate Home Superstitions from Around the World..

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Common Misconceptions About Real Estate

Actually when it comes to buying or selling real estate properties, conventional wisdom has its say...

Our popular misconceptions about real estate make many people hesitant to get into the home-buying or selling game.

Misconception #1: You don't need a real agent to buy a home because now you've all kind of information available online!

That's absolutely wrong, just because you access to internet data pretty much like the realtors does not mean you as a buyer you don't need them. 
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As a home buyer; you need the realtor's expertise, their professionalism, their experience, their guidance.

 Remember, we as realtors; we're counselors, we're advisors, we're negotiators, we're the searchers. We bring together the connecting links to complete the chain.

One of our main job is to make the real estate transaction goes smoothly, more simpler, and more easier for all parties involve.

So today it's more important than ever to have a great local real estate agent  like Anthony Jeanty in south Florida in your team.

Since buying a home is such an infrequent transaction, and perhaps it could be one of the biggest transaction in lifetime, certainly you need someone along on your journey who knows and studies well the real estate market.

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Misconception #2. 

 Buying a home is not just a financial transaction. It's incredibly emotional, and you'll want to teammate with different professionals to help diffuse the feelings, navigate the ups and downs, making the transaction experience the best it can possibly be.

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Misconception 3. 

 You need about 20% to buy a home.

This is not always true at all. This is one of the biggest misconception for many people who are often burdened with some debts but still want to be homeowners.

The reality is we all know that after the credit crisis in 2007, 2008, 2009 it became more difficult to get a mortgage loan, that is true.

But today it's possible to obtain a mortgage as as little as 3.5 percent down.
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Misconception 4.

 The home value is whatever the appraiser said it is. This is not always certain, {false}

  The market value  of a real estate property is basically determine by what willing and able buyers and sellers agree on in an open market.

Other than that, a home owner, or would be seller can only rely on a recent appraisal for a bank refinance.

Knowledge is power; that is why you've knowledge financial group - knowledgefinancialgroup.com

It's helpful to understand that a home's appraised value typely comes in below market value.

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Misconception 5.

: As a home seller, you don't need to have an open house...

Many people believe that with the avent of online listings, and other types of advertisements, sellers don't need open house. 

That's not true.

Open houses is in the veins of real estate, it is part of the body system. Because the more you make your home available to the grand public, the better it is to capture the attention of the potential buyers, the better chance the seller have to sell.

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Naturally when you host an open house, you are literally opening wider door to let buyers come through and fall in love with the property.

Guess what? without an open house they might never set foot in the door, and never known that this property was for sale.

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Anyone looking to get on the fast track to full time in real estate investing to change his or her financial future once and for all can navigate on knowledgefinancialgroup.com for more important information!

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Certainly knowledgefinancialgroup.com can and will help develop a powerful presentation that will impress investors, lenders and sellers

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Of course with the help of knowledgefinancialgroup.com you can  get the most extensive education in the shortest amount of time by the most informed & educated teachers so you can start raising unlimited capital for your real estate deals—no matter your level of experience! knowledge financial goup - knowledgefinancialgroup.com

Our personalized approach will fit your lifestyle no matter how busy or inexperienced you are. We have done it over & over..

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Real Estate Superstitions

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Here are a few traditions from around the world to bring luck and cast out bad energy. Here are a few.

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We Love Real Estate

Real Estate is not just our business, it's our passion. We believe real estate investing can be the most rewarding business for home-owners, entrepreneurs,  investors.  that's why we love to share our knowledge, our expertise and experience with the grand public.

Buyers and sellers, please allowing us to offer the most accurate, up-to-date real estate information in order for you make a better decision whether you're buying a property, or selling a real estate property.

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1. Make a clean sweep
According to U.S. superstition, your old broom can carry all the negative energy from your former dwelling place to the new one. Leave it behind for a fresh start.

2. The door to success
According to old Irish tradition, the first time you leave your new home you should exit through the same door you entered to ensure good luck. After your initial departure you’re free to leave through whichever door you’d like.

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'' How To Make Money In Real Estate When Buying Investments
It’s often said “You make your money when you buy.” There are many
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3. Ward off evil (and stale smells)
Native Americans traditionally burn dried sage and wave the smoke around the corners of a room to clear out negative energy. If you’re allergic to ragweed, you might want to skip this one as sage is in the same family.

4. Let your pot overflow
Indian tradition holds that boiling milk and rice in a pot until it overflows helps bring purity and long life to the homeowners. Another Indian tradition is to bring a cow into your new home and wrap a flower garland around its neck – a bit more logistically challenging than the rice.

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5. Set the tone
Tibetan moving rituals include ringing a “space-clearing’ bell in each room of a new home to clear away old, dying chi (life force energy).

6. Bread and salt
According to Jewish tradition, bread and salt should be the first items brought into a new home. The loaf of bread ensures that the homeowners never know hunger. The salt will bring a life that’s always full of flavor.

7. Lightning insurance?
The ancient Norse believed that putting an acorn on a windowsill protected the home from lightning strikes. Blind-pulls shaped like acorns remain popular today.

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Anthony Real Estate / As a REALTOR® who’s an advisor expert in the business of  Real Estate, insurance, and taxes. I bring a wealth of knowledge and expertise and professionalism when it comes to investing, buying and selling real estate. 

My insight market market knowledge puts me in a position to be able to handle even the most complicated real estate transactions, complicated for certain, but easy of me. So whether you are in the market to invest, to buy or to sell a real estate property rest assured that I will make the process as smooth and comfortable as it can possibly be. 

 

 Find Anthony Real Estate on social media, Facebook / - //
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excellent Homes For Sale blogs ; very educative and
informative. Real Estate At The Blogger  / - / Find Anthony
Real Estate web page

Contact me today for a free no obligation consultation to discuss your Real Estate needs I will be more than happy to assist you by preparing a step by step plan to help you achieve your real estate goals and dreams.

8 According to the Haitian tradition, no dirty laundry should go to the new property. Everything, all the cloths should be cleaned and the new property should be washed. every room, every corner must be mopped for new energy can get in.

You don’t need magic tricks or superstitions to find the right home. An experienced agent like Anthony Jeanty in south Florida can work wonders to help home buyers and home sellers.

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Friday the 13th

Let’s start with this unpopular day. It’s a relatively common phobia as an estimated 17 to 21 million people are affected by fear of Friday the 13th, causing roughly $800 to $900 million lost in business as people refrain from traveling or buying a new home.

What is your take? Would you sign a mortgage on Friday the 13th or move into a new house?

 

That Unlucky Number

Many people’s fear of Friday the 13th stems from fear of the number 13 itself. Considered to be the number of an occult power, fear of the number 13 is a common phobia. Many buildings don’t include floors numbered 13 and some streets and house numbers simply skip over the ominous digits.

There are many things that might sway a decision about where to live and house numbers just may be one of the many superstitions that paralyze home buyers. Despite an age of online property research, and mortgage calculators, the number 13 could loom heavy over a prospective buyer.

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Saint Joseph, Patron Saint of Real Estate

Those trying to sell a home often feel in need of some divine intervention and a widespread superstition about good old St. Joseph might has to do with real estate.

The Catholic saint has long been believed to help with home-relate d matters and according to some, burying a statue of St. Joseph in the front yard of ahome for sale will spur a quick bid.

With hundreds of testimonials swearing by the real estate powers of St.

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How to Make Money in Real Estate: 10 basic Ways ...
There are many ways to make money in real estate  / Investors can realize attractive
returns from multiple income streams in real estate investments'''
-----------------------------
'' Ways to Value a Real Estate Rental Property
Determining the cost of and the return on an investment property are just as important as figuring out its value.''
---------------
'' Income Property - Everything People Need To Know About Rental Property. What are the
best ways to make money in real estate? LEARN MORE..
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There are a variety of forms of ownership of property.----
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'' Home Warranties, Why Many People Need  Them?
Owning a home is a pricey endeavor. It requires attention and upkeep simply because things get old a need to be
replaced...
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Tax write-offs for businesses, LLC'S - Tax Saving Information At Knowledge Financial Group - How to Save Over $1,000 on Your Tax Bill This Year??

How to Save Over $1,000 on Your Tax Bill This Year??

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Personal Finance: Where are the safe places to put your money in time of financial crises, economic turmoil?
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Tax write-offs for businesses.. LLC'S

Tax write offs are eligible expenses that you can use to deduct from your income 

when filing your business taxes.

How to pay yourself as an llc single member..

Having an ein numer allows you to open a business bank account and to apply for a business loan

e.i.n = employer identification number 

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Distribution is to pay yourself - when you pay employees  you receive deduction but not yourself.

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As an llc the best way to pay yourself is by owner distribution. you are simply transferring money from your business account into your personal account.

Whether by writing  a check or wire the fund directly to your account.

as the owner of a corporation, you are a shareholder, not an employee. no w2 wages.

technically, llc's are pass-through entities.

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Generally, you are responsible to pay federal income tax, state income taxes, and self-employment taxes

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Pretty much for any business; cash is the lifelive of a business.

cash is the blood and heartbeat of a business 

the shorter the distance they can go. 90% of business fail because of shortage of cash.

In business it's good to have in hand at least 3 months of operating expenses for unexpected.

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As a business person, you should set money aside to reach strategic business goals.

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Business tax write-offs...

Start up organizational costs, you are entitle to $5000 for llc's tax write offs.

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Home office deduction for a designated space, or a room in your home strictly for business - home office expenses write-offs.

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Entrepreneur: Business Ideas And Opportunities.
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Economic: Different Types Of Market To Invest in...

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Business vehicle deduction: 

2 different ways to vehicle deduction... #1- by mileage, about or over 50 cents per mile you drive .

#2- By depreciating the vehicle . vehicle depreciates over the course of 5 years

or by straight line depreciation

Another way is by double declining. code section 179 allows you to deduct.

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 marketing and advertisement are two of the biggest expenses in business - business expense deduction.

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Turning an llc's into an s corp, you will eliminate 15.3% self-employment tax.

An s corp requires  owners to pay themselves.

You can choose to tax yourself as an llc or as an s corp.

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More ways to write-off tax in your business...

Every year over 2 million tax-payers overpay in taxes, about or over one billion dollar.

Business meal, you can write off up to 50% of your business income

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Business interest expenses write off: 

when your business has debt and you're paying interest on that debt .

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Tax write off - retirement contribution for myself and for my employees for qualified plan.

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Tax write off - health saving account contribution - health saving account 

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Self-employment taxes, shareholders of s corp do not pay self-employment taxes.

However, you are required to pay yourself a salary which are subject to taxes.

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Pass-through tax deduction, you can write off up to 20% of the business income.

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Individual tax write-offs  -  Student loan interest deduction.

Standard deduction... free - bies

Itemize deduction: Mortgage interest deduction

The irs allows deduction up to $10000 in state tax deductions

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Medical and dental expense deduction.

On medical and dental expenses that exceed 7.5% of 100.000 dollars

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Property tax deduction: 

Property taxes and local taxes are called: salt = state and local taxes . irs allows to deduct up to $10.000 in combination

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Charitable contribution can be deductible,

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Freeknowledge: Things to Know About Government Bonds & Municipal Bonds...
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Resource Center: Different ways to protect your money…
What to do when we have a market panic, or economic uncertainty...
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What Not to Include When Making a Will...
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How to Avoid Capital Gains Tax... 

We all kow that only two things in life are truly certain: death and taxes.

 But just because taxes are an inevitable part of our society doesn’t mean you can’t limit how much you pay to Uncle Sam.

 Taxes on capital gains can eat up a significant portion of your earnings each year. Here are some common strategies for avoiding capital gains taxes and how you can implement them. It’s wise to consult experts..

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What Are Capital Gains Taxes?

When you own an investment or other asset – such as real estate, land, a business or stocks, for example – and later sell that asset for a profit, you have realized capital gains. The tax that is then levied on the profit portion of your sale is called capital gains tax.

Depending on how your gains are classified, and your total taxable income for the year, your capital gains tax rate can vary. This percentage could be as low as 0% or as high as your ordinary tax rate.

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We all know that only two things in life are truly certain: death and taxes. But just because taxes are an inevitable part of our society doesn’t mean you can’t limit how much you pay to Uncle Sam. Taxes on capital gains can eat up a significant portion of your earnings each year. Here are some common strategies for avoiding capital gains taxes and how you can implement them. It’s wise to consult a financial advisor about how to minimize other taxes, besides capital gains.

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What Are Capital Gains Taxes?

When you own an investment or other asset – such as real estate, land, a business or stocks, for example – and later sell that asset for a profit, you have realized capital gains. The tax that is then levied on the profit portion of your sale is called capital gains tax.

Depending on how your gains are classified, and your total taxable income for the year, your capital gains tax rate can vary. This percentage could be as low as 0% or as high as your ordinary tax rate. 

'' How to Avoid Capital Gains Taxes''

Handing over a chunk of your profit can be painful. Thankfully, there are a few ways that you can reduce the amount of capital gains taxes you will pay after selling an asset.

Choose Long-Term Investments

Capital gains can be classified as either short-term or long-term, each of which has its own tax rates.

Assets that you have held for less than a year are considered short-term. When it comes to earning short-term gains, expect to be taxed at your ordinary tax rate … which can be as high as 37%, depending on your total taxable income.

If you want to avoid that, you should choose long-term investments instead. By holding an investment for a year or more, you will qualify for long-term capital gains tax rates.

Most long-term capital gains will see a tax rate of no more than 15%, though certain assets (like coins and art) can be taxed at a rate up to 28%. Depending on your income, you may even qualify for capital gains tax rates as low as 0%.

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How to Make Money in Real Estate: 10 basic Ways ...
There are many ways to make money in real estate  / Investors can realize attractive
returns from multiple income streams in real estate investments'''
-----------------------------
'' Ways to Value a Real Estate Rental Property
Determining the cost of and the return on an investment property are just as important as figuring out its value.''
---------------
'' Income Property - Everything People Need To Know About Rental Property. What are the
best ways to make money in real estate? LEARN MORE..
------------
'' Types of Property Ownership...
There are a variety of forms of ownership of property.----
'' How to Invest In Real Estate without Having to Buy Houses?
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Take Advantage of Tax-Deferred Retirement Plans...

Your retirement accounts likely make up a bulk of your savings and future assets. It’s wise to optimize these as best you can by utilizing tax-deferred (and tax-exempt) plans, to save yourself from added capital gains taxes. When contributing to a tax-deferred retirement plan, such as a 401(k) or traditional IRA, you’ll receive a tax deduction on your contributions in the current tax year. This can save you money on your income taxes today, as well as help you to save even more toward the future.

Your money will also continue to grow over time. When you’re finally ready to sell your investments and withdraw, any growth in the account is taxed at your ordinary income rate, rather than being subject to capital gains like other investment accounts.

A tax-exempt account, such as a Roth IRA, doesn’t offer any tax benefits today. However, the money held in this account will grow tax-free until retirement. When you’re ready to use the money, your funds (and growth) can also be withdrawn tax-free, helping you avoid capital gains yet again.

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Offset Your Gains

If you hold a number of different assets, you may be able to offset some of your gains with any applicable losses, allowing you to avoid a portion of your capital gains taxes.

For instance, if you have one investment that is down by $3,000 and another that is up by $5,000, selling both will help you reduce your gains. You would only be subject to capital gains taxes on the difference – or $2,000 – rather than the full $5,000 gain of the second investment.

Another offset strategy is tax-loss harvesting. With this method, you can carry over losses from one tax year into the next, to help offset future gains. Tax loss harvesting only applies if your losses in a given year exceed your total gains.

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Reducing the capital gains taxes you pay on certain assets can keep more of your money in your own pocket. Capital gains taxes can range from 0% to 28%, depending on factors such as your income and the asset itself. Offsets, tax-advantaged retirement accounts and long-term investments may each be worth considering when developing a strong tax strategy.

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Tips on Taxes

• Consider working with a financial advisor to ensure that you’re not paying a penny more than you need so. Finding a qualified financial advisor doesn’t have to be hard. Matches you with up to three financial advisors in your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals.

• Income in America is taxed by the federal government, most state governments and many local governments. The federal income tax system is progressive, so the rate of taxation increases as income increases

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''The higher your tax bracket the more you save.
You can defer paying income tax on up to $5,500 that you contribute to an IRA. -"That $5,500 deduction is going to either lower your tax bill or bump up the refund you are owed," says Trent Porter, a certified financial planner for Priority Financial Partners in Denver.

 "A lot of tax programs can give you that hypothetical of how much more your refund will be if you contribute X amount of dollars to an IRA." Maxing out your IRA will reduce your tax bill by $825 if you are in the 15 percent tax bracket, $1,375 for those in the 25 percent bracket and $1,815 if you pay a 33 percent tax rate. Income tax won't be due on this money until you withdraw it from the account.
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Workers over 50 can get an even bigger tax break.
People who are age 50 or older can contribute an extra $1,000 to an IRA, which will get them a larger tax deduction. If a 55-year-old worker who is in the 25 percent tax bracket contributes $6,500 to an IRA, he will reduce his tax bill by $1,625.
 ''Tax Strategies For IndIviduals, Investors, Professionals,  And Landlords.
 // ''Ways to Save.

''Tax Changes And Tax Credit for This Year: A Great Checklist...

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Married couples can double their tax break by each opening an IRA in their own name. If only one spouse works and you file a joint tax return, the working spouse can contribute to an IRA in each spouse's name. A married couple can claim a tax deduction on as much as $11,000 that they contribute to two or more IRAs. 

And if both spouses are 50 or older, the contribution limit climbs to $13,000. A married couple, both age 50, who are in the 25 percent tax bracket and max out an IRA in each of their names will save $3,250 on their income tax bill.
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 Contribution deadlines differ by state.
IRA contributions that will qualify you for a deduction on your 2015 return are due by April 18, 2016. "IRA contributions can be made up until 11:59 p.m. on the tax deadline, assuming they are received in good order," says John Boroff, director of retirement product management at Fidelity Investments.

 Residents of Maine and Massachusetts get an extra day to contribute due to the Patriots' Day holiday celebrated in those states, so they have until April 19, 2016, to make 2015 IRA contributions. Several IRA providers, including Vanguard and Charles Schwab, say they won't be able to accept online IRA contributions for 2015 after April 18 but will accept in-person contributions and envelopes postmarked by April 19 from residents of Maine or Massachusetts.
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You can file a tax return claiming an IRA deduction before the money is in the IRA account as long as you make the deposit by your tax filing deadline. "You could file your taxes on March 1 and tell the IRS you will make the contribution by April 15," Porter says. "You can get your refund and use that to go toward what you are going to be putting in the IRA.

" You can even deposit your tax refund directly into an IRA. When making a tax-year 2015 contribution during 2016, it's important to specify which tax year you would like the contribution to be applied to. IRA custodians are allowed to attribute contributions to the calendar year in which they are received unless you indicate otherwise.
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 Taxes: What's on the table for Your Investments???

Contribution limits for 401(k), 403(b), and 457 plans are staying the same for 2016:  $18,000 for those under age 50 and $24,000 for those 50 and above. The contribution limit is the same for both traditional and Roth 401(k) contributions. No income limits apply. If you're maxing out and would like to space your contributions throughout the year, bump up your contribution rate as soon as possible. 
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Investors at any income level can contribute to a traditional IRA, though they cannot deduct their contribution on their tax return if their income exceeds the deductible amounts outlined above. Instead, higher-income investors can take advantage of what's called a backdoor Roth IRA, converting their traditional IRA to Roth shortly after funding it. 
Note that this strategy won't generally make sense for investors with large traditional IRA balances, for reasons outlined here. 
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Compared with the "fiscal cliff" and other year-end escapades, the tax-related drama in Washington has been pretty subdued in recent years. Dividend and capital gains tax rates have stayed the same, and the federal estate tax will still only affect the uber-rich. (State estate taxes may kick in at much lower levels, however.) 
But that's not to suggest that investors can safely tune out tax considerations. The market's strong performance since 2009, combined with another nasty season for mutual fund capital gains distributions in 2015, accentuates the value of taking maximum advantage of tax-sheltered wrappers like 401(k)s and IRAs. 
It also highlights the virtues of carefully monitoring your taxable positions to help ensure that you're not paying more in dividend and capital gains taxes than you need to. 
Here's an overview of what's changing, tax-wise, in 2016, as well as what's staying the same. I've emphasized those tax items that have at least some connection to investments. 
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 MyRA is a relatively new retirement-savings plan conceived as a Roth IRA with training wheels. Aftertax monies go into the account,
the money accumulates on a tax-free basis, and qualified distributions are tax-free.
 (As with any Roth account, investors can withdraw their contributions from myRA at any time and for any reason.) Designed for workers who do not have access to another retirement-savings plan, myRa allows investors to contribute very small sums on an ongoing basis. Assets are invested in holdings similar to the G Fund that federal-government workers can buy in their Thrift Savings Plan (TSP), the 401(k)-like plan for government workers. 

The G Fund is guaranteed to not lose money yet has historically paid a better yield than true cash instruments. That might sound enticing to yield-starved investors, but note that your combined contribution to an IRA--whether Roth, traditional, or myRA--cannot exceed the $5,500/$6,500 limits, and your maximum holdings in myRA cannot exceed $15,000. 

Thus, myRA won't make sense for most higher-income savers, but it looks like a fine multitasking emergency fund/starter long-term savings vehicle for young investors who are just getting started.
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 Saver's Credit

This credit is designed to incentivize individuals and families with earnings under certain thresholds to put money into IRAs (or myRAs) or qualified company retirement plans. For 2016, married couples filing jointly are eligible for the credit if their modified adjusted gross income is less than $61,500; single filers can claim the credit if their adjusted gross income is less than $30,750. The lower the income, the higher the credit--up to a maximum level of $1,000 for single filers and $2,000 for married couples filing jointly. This IRS guide provides more detail on the credit.
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Health Savings Accounts
People who are covered by a high-deductible healthcare plan can contribute to a health savings account. A high-deductible plan is defined as one with at least a $1,300 deductible for individuals and a $2,600 deductible for families; the maximum out-of-pocket expenses that covered people can incur are $6,550 for individuals and $13,100 for families. For 2016, those with single coverage can contribute $3,350 to an HSA, while those with family coverage can contribute $6,750. (Investors age 50 and above can make an additional $1,000 catch-up contribution.) For those who are making the maximum allowable contributions to their company retirement plans and IRAs, the HSA provides another way to amass tax-advantaged savings. The investor makes pretax contributions, the money accumulates tax-free, and qualified withdrawals are also tax-free.
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Medicare Surtax
The income thresholds for the 3.8% Medicare surtax will remain unchanged from 2015 to 2016: $200,000 for single filers and $250,000 for married couples filing jointly.
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Estate and Gift Tax

The annual gift tax exclusion amount is staying the same, at $14,000. However, the exclusion amount for the estate tax is jumping up slightly to $5.45 million per person in 2016.