Archive for the ‘News Letters & Articles’ Category

Show me the note!

You may have heard stories on the news where a homeowner stopped a foreclosure by demanding that the bank produce the original promissory note after the loan was sold to a second bank.  Some have referred to this as a “show me the note” tactic.  Due to a recent decision by the Arizona Court of [...] → Read More

I-9 Compliance

Did you know that since 1986, all U.S. employers must complete and retain a Form I-9 for each individual they hire for employment in the United States? This includes employee citizens and non-citizens. After the form is completed by an employee, the I-9 must for kept by the employer either for three years after the [...] → Read More

Financial Freedom – Reducing Money Worries

If you’re like millions of Americans, you dream of the day when you will be debt free. The economic recession has prompted many families to restrict spending in order to take control of their finances, pay down outstanding debt and make saving a priority. In fact, the average household debt has fall over 8.2% since [...] → Read More

Facebook in my Will?

Estate planning traditionally concerns itself with insuring that a client’s wishes regarding the disposition of his or her property upon death are followed.  A good estate plan also includes tools to deal with the client’s incapacity or inability to make health-care decisions.  In addition to a will, and perhaps a living trust agreement, the plan [...] → Read More

Who do you appreciate?

My friend Bill Aust of The Biltmore Bank kindly sent me the enclosed article from Harvey Mackay’s column this week and it resonated so well with me that I wanted to share it with you along with Bill’s covering note. “Following is a terrific article by Harvey Mackay.  In these challenging business times and bickering [...] → Read More

april-fool-clown

Don’t be an April’s Fool

Although the internet has provided us with a convenient way to communicate and an instantaneous portal to information, it has also exposed us to scammers who use its power to try to separate us from our hard-earned money or phishers looking for our personal information.  Recent breaches of security of companies with large storehouses of [...] → Read More

hidden_treasure

Hidden Treasure in Liens

Many Arizonians have been searching for a way to rebuild their portfolios. Believe it or not, there is a potentially a very profitable investment tool that exists throughout Arizona that may help and even create a new fortune. This hidden secret is buying property tax lien certificates. A lien certificate is the first lien on [...] → Read More

Arizona real estate

Appealing Property Value Could Save Big Bucks

County assessors throughout Arizona are mailing annual notices of property tax valuation to all property owners, and you should look at yours carefully to make sure the assessment is accurate. In my experience, having your property value reexamined could save you hundreds if not thousands of dollars a year. For example, last year the Santa [...] → Read More

dollar-houses

Mortgage debt forgiveness: Are you liable for phantom income?

Losing one’s home in a lender’s foreclosure is a traumatic event for any family. Unfortunately, the IRS can add to a family’s financial hardship by assessing a “phantom income” against a taxpayer for the amount of the foreclosure debt forgiven. However, knowledge and proper application of the law can help you reduce your tax burden. [...] → Read More

rose

Smelling the Roses

Some of my most enjoyable moments come from spending time with my grandchildren and some of their day to day lives that I just didn’t do, or do enough of, when I was in the parenting mode. I guess I was too busy, or thought I was, or thought that I had plenty of time [...] → Read More

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