Real Estate in The Woodlands, Magnolia, Conroe, Spring, Cypress and Houston

Find a Better Return

A certificate of deposit will generate a cash flow based on the interest rate that it pays which is the only way it generates a return for the investor. An investment in a stock that doesn’t pay dividends, would need to be worth more than you paid for it to earn a profit.  On the […]

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Personal Finance Review

You’ll need to earn $2.00 for every $1.00 you want to spend assuming you pay 50% of your earnings on income tax, social security and Medicare.  On the other hand, you get to keep 100% of every dollar you save on your personal expenses because the taxes have already been paid. Periodically, review your expenditures […]

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What Can You Expect?

The two most frequently quoted constants in life are death and taxes.  Two more things would-be homeowners can expect in the near future are increases in mortgage rates and housing prices. Interest rates have been kept artificially low for several years by the Federal Reserve in an effort to strengthen the economy. Policy is shifting […]

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What Kind of Showing Was It?

One of the most frequent calls from homeowners to their agents is about the listing’s inactivity due to the lack of showings.  The homeowner commonly believes that the home is shown only when a buyer walks through the house with an agent. Today’s buyers are more sophisticated than in the past due to the abundance of […]

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Can You See the Savings?

Can You See the Savings? If you’ve considered changing your light bulbs to energy-saving LED bulbs but decided not to make the investment because the prices were too high, you might want to investigate again.  The prices have come down considerably. An initial investment now will generate immediate returns through energy costs and because they […]

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Winter Maintenance

With a 2,000+ mile long winter storm affecting much of the country, there are plenty of home owners who wish they were better prepared.  Even when you live in warm climates, some of these things are important to check periodically.  Preparing for the change of seasons can make your home more comfortable and protect your […]

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Motivated Sellers, Better Prices and Less Competition

The Winter Home Buyer Report conducted in the second week of November by REALTOR.com® revealed the sentiments of current home buyers expecting to buy a house during the winter months.  It appears that there is pent-up demand with buyers who were unable to purchase a home recently. Most cited as an impediment to purchase was […]

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Refinance to Remove a Person

Most people are familiar with the various reasons a homeowner refinances their home which generally result in two major benefits: saving interest and building equity. There is however another reason to refinance which may not be as common which is to remove a person from the loan. In the case of a divorce, when one […]

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Who’s Paying Your Mortgage?

As a homeowner, you obviously pay for your mortgage but as an investor, your tenant does.  Equity build-up is a significant benefit of mortgaged rental property.  As the investor, collects rent and pays expenses, the principal amount of the loan is reduced which increases the equity in the property.  Over time, the tenant pays for […]

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All Dollars Not Equal

The division of assets between the spouses is an important decision to finalize a divorce.  The exercise looks relatively simple: assign a value for each of the assets and divide them based on a mutual agreement between the parties. The challenge is to make a fair division which requires an analysis to determine their value […]

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