October 2012 Market Report

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Living a Life of Gratitude

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What are you grateful for?  How do we live life and be grateful every day? I am always trying to live my life with Gratitude but always need a reminder. Well, I am sure you have heard a few really good tips to living a grateful life like;  Keep a journal near your bed and either before you go to bed or right as you wake- write 4 to 5 things that you are grateful for.   Keep an empty jar nearby your work area and write down something you’re grateful for every time you feel stressed out (or perhaps when you say a certain phrase). Vow to not complain, criticize, or gossip for 30 days at a time-- If you slip, rally your willpower and keep going. Notice the amount of energy and TIME you were spending on negative thoughts and actions. We all have said it; “time is precious”, “time is money”, “time goes so fast when you are having fun” And many wise people have tried to warn us; Time is what we want most, but... what we use worst. ~William Penn  ...
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Things you can write off on your taxes when buying a home

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  Buying a home can be very expensive. First there's the down payment. Then there are closing costs, including fees for an appraisal, inspection, and title search. And once you own it, the expenses continue to add up, with everything from maintenance to taxes and insurance. There are some tax benefits to owning a home, though. Tax-deductible homeowner costs can reduce the amount of income tax you have to pay. What is a tax-deductible expense? A tax-deductible expense is one that you can deduct from your adjustable gross income (AGI) when you file your taxes for the year. Deducting these costs reduces your taxable income, and the lower your taxable income, the less you'll pay in taxes. When looking at potential homeowner tax deductions, it's crucial to know the differences between standard and itemized deductions. A standard deduction is a specific dollar amount that reduces the amount of income on which you're taxed, based on your filing status, age, and other...
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