Tuesday, October 22, 2013

Pumpkin Seeds are not just good for your health...

Build Wealth...Planting "Pumpkin" Seeds Strategically

Pumpkin seeds boost can boost your health, as a great source of magnesium and zinc, as well as omega-3 fatty acids.

Planting healthy seeds, in the ideal environment can also give your income a boost!

Plant the right seeds: Don’t waste time doing a bunch of different things just to please your customers. Instead, identify the thing you do better than anyone else and focus all of your attention, money, and time on figuring out how to grow your company doing it.
  • Weed out the losers: In a pumpkin patch small, rotten pumpkins stunt the growth of the robust, healthy ones. The same is true of customers. Figure out which customers add the most value and provide the best opportunities for sustained growth. Then ditch the worst of the worst.
Nurture the winners: Once you figure out who your best customers are, blow their minds with care. Discover their unfulfilled needs, innovate to make their wishes come true, and over deliver on every single promise.

The Pumpkin Plan: A Simple Strategy to Grow a Remarkable Business in Any Field


Tuesday, October 15, 2013

MCC Is it Right for Me?

MCC - Mortgage Credit Certificate for first time homebuyer(s)
The MCC can be a great tool to assist in generating more buying power for you as a homebuyer and /or as a Realtor helping your customers purchase a home they may not qualify for otherwise.
First-time Homebuyer Requirement - The Applicant who will become an MCC holder cannot have had an Ownership interest in a Principal Residence at any time during the preceding three years ending on the date on which the loan is executed.
As long as you are not pushing the income limitations and you plan on staying in your home for 9 years, you will most likely avoid any recapture tax of the monies you saved.
The Home buyer Benefit
The MCC will reduce the amount of income taxes due to the federal government; however, the tax benefit cannot exceed the amount of federal taxes owed for the year after other credit and deductions have been taken. Instead, the tax credits can be carried forward three years until used.
Typically you can increase your buying power by an additional $166 per month. This could equate up to an additional $30,000.00 in a purchase price, depending on the mortgage program and your credit and income qualifications, which are subject to approval and the current market rates.
To see if MCC is right for you; email me at hcraig@homelending4u.com