Tuesday, April 26, 2011
The cost of renting..
Monday, April 25, 2011
Friday, April 22, 2011
Think Summer Garden, Summer walks along the Lake, Biking, Fishing..ah..it CAN be yours!!!
http://ping.fm/nc3q7
http://ping.fm/nc3q7
Thursday, April 21, 2011
Wednesday, April 20, 2011
Looking for a home in Camas, Washington??
Tuesday, April 19, 2011
Walking with Ellie
She's back...wwm..Ellie, welcome home wwm..If you have ever considered trying to walk a marathan or an half marathon or just to get out and get some good healthy walking in with a group of like minded walkers here is your opportunity to do it with the best in the Vancouver/Portland area...Your too can do it!!
http://www.everything4walkers.com/
http://www.everything4walkers.com/
Monday, April 18, 2011
Summer at Esther Short Park...
Click on the link for the Summer Schedule..
http://ping.fm/U6abm
Clark County Parks Update!!
http://ping.fm/uebGm
Sunday, April 17, 2011
What a beautiful day to show and sell this home in LaCenter, Washington, don't miss out!!
http://ping.fm/K3Jyb
http://ping.fm/K3Jyb
Friday, April 15, 2011
7 Tax Tips if you are not ready to file your taxes!!
Remember that we have until April 18th this year to file our tax returns, however, if you need a little more time, here are some great tips...
Seven Things about Getting More Time to File your Tax Return
Can’t make the April 18 tax filing deadline and need more time to file your tax return? You can get an automatic six month extension of time to file from the IRS.
Here are seven important things you need to know about filing an extension:
- File on time even if you can’t pay If your return is completed but you are unable to pay the full amount of tax due, do not request an extension. File your return on time and pay as much as you can. The IRS will send you a bill or notice for the balance due. To apply online for a payment agreement, go to the IRS website at http://www.irs.govand/ click “Apply for an Online Payment Agreement (OPA)” at the left side of the home page under Online Services. If you are unable to make payments, call the IRS at 800-829-1040 to discuss your options.
- Extra time to file An extension will give you extra time to get your paperwork to the IRS, but it does not extend the time you have to pay any tax due. You will owe interest on any amount not paid by the April 18 deadline, plus you may owe penalties.
- Form to file Request an extension to file by submitting Form 4868, Application for Automatic Extension of Time to File U.S. Individual Income Tax Return, to the IRS by April 18, 2011, or make an extension-related electronic credit card payment. For more information about extension-related credit card payments, see Form 4868.
- E-file extension You can e-file an extension request using tax preparation software with your own computer or by going to a tax preparer who has the software. The IRS will acknowledge receipt of the extension request if you file by computer.
- Traditional Free File and Free File Fillable Forms You can use both Free File options to file an extension. Access the Free File page at http://www.irs.gov/.
- Electronic funds withdrawal If you ask for an extension via computer, you can also choose to pay any expected balance due by authorizing an electronic funds withdrawal from a checking or savings account. You will need the appropriate bank routing and account numbers. For information about these and other methods of payment, visit the IRS website at http://www.irs.gov/ or call 800-TAX-1040 (800-829-1040).
- How to get forms Form 4868 is available for download from the IRS website or may be ordered by calling 800-TAX-FORM (800-829-3676).You can also obtain the form at your local IRS office. Telephone requests normally take 7 - 15 days to process and ship.
Monday, April 11, 2011
Wow, we in the Portland Area, are happy to be on the list of Kiplingers Comeback cities...
http://ping.fm/5YrTv
http://ping.fm/5YrTv
Thursday, April 7, 2011
Here are the bare minimums for obtaining a loan today!!
Here are the bare-minimum lending guidelines on today's market, which would qualify the average borrower for an FHA loan -- these loans, backed by the Federal Housing Administration, offer the loosest lending guidelines around:
3.5 percent down payment, based on the purchase price of the home (e.g., $7,000 on a $200,000 home), or a gift of that same amount;
3 percent to 6 percent of the purchase price, on top of the down payment, for closing costs, or a credit from the seller of the same amount; and
640 FICO credit score -- the middle score of those generated by the three credit bureaus (some banks will lend to borrowers with middle scores lower than 640, but will require more than the minimum down payment).
Additionally, these lenders will want you to document income, asset and job history documentation, including current paycheck stubs, two months' bank statements and two years of W-2 forms or tax returns, and:
a minimum of two years have passed since the discharge of a bankruptcy;
a minimum of three years have passed since a foreclosure;
anywhere from zero to three years have passed since a short sale, depending on the circumstances surrounding the short sale.
Here are the bare-minimum lending guidelines on today's market, which would qualify the average borrower for an FHA loan -- these loans, backed by the Federal Housing Administration, offer the loosest lending guidelines around:
3.5 percent down payment, based on the purchase price of the home (e.g., $7,000 on a $200,000 home), or a gift of that same amount;
3 percent to 6 percent of the purchase price, on top of the down payment, for closing costs, or a credit from the seller of the same amount; and
640 FICO credit score -- the middle score of those generated by the three credit bureaus (some banks will lend to borrowers with middle scores lower than 640, but will require more than the minimum down payment).
Additionally, these lenders will want you to document income, asset and job history documentation, including current paycheck stubs, two months' bank statements and two years of W-2 forms or tax returns, and:
a minimum of two years have passed since the discharge of a bankruptcy;
a minimum of three years have passed since a foreclosure;
anywhere from zero to three years have passed since a short sale, depending on the circumstances surrounding the short sale.
Monday, April 4, 2011
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