Done4You Client

Client Done4U Article: How to Decide If a Renovation Is Worth the Cost

If you’ve ever watched HGTV, you know that they are big on home renovations.  Chef-quality kitchens. Huge master bedrooms and bathrooms.  Updating of outdoor spaces. And, it costs a lot of money. So, how do you decide if a renovation is worth the cost—and will it add or decrease the value of your home? To make an informed decision, consider the following: Consider how long you will live in your home. If you plan on staying in your home for 15 to 20 years, enjoy your renovation.  If you are updating it to sell…

Client Done4U Article: Seven Legal Documents You Should Execute Before You Die

I recently read an article about why sellers overprice their homes when listing them for sale. It’s not fun—planning for your death or mental incapacity and what will happen to your family and finances if something should happen to you! There are horror stories of families torn apart because there were no legal documents outlining the person’s wishes. Here is a list of the documents that estate planning attorneys recommend that you have in place. Last Will & Testament – Who will receive your assets? Who will take…

Client Done4U Article: Thinking of Selling Your Home? Don’t Overprice It!

I recently read an article about why sellers overprice their homes when listing them for sale. You may not be thinking of selling your home any time soon, but I thought it was a good reminder that when it comes time for you to sell, the local real estate market usually dictates the price based on similar types of homes in your area.  But sometimes sellers think that their situation and home are “special” and justify to themselves why they think the home is worth more.  Here are some of the reasons sellers give as to why

Client Done4U Article: Why You Need to Monitor Your Online Identity

A recent survey confirmed that at least 70% of companies said that they have made a decision NOT to hire a job applicant based on something they found on social media sites or Google. On the other side of the coin, a higher percentage of employees are losing their jobs, based on their social media posts. It could be based on comments you’ve made about previous jobs. It could be a picture of you pouring a beer over your head. It could be the songs or video links you share. Whatever the reason, the fact remains that it’s

Client Done4U Article: How to Get Rid of “You Are Pre-Approved” Phone Calls & Junk Mail Using Pre-Screened Opt Out!

Do you get junk mail from other mortgage companies, insurance agents, credit card companies and car dealers with ads telling you that you have already been pre-approved to do business with them? Well, let me tell you why! Credit bureaus make a ton of money selling “credit profiles” to companies that are looking for a certain type of financial history. While they don’t know your social security number, the company sending you the pre-approved offer goes to the credit bureau and pays for a list based on certain…

Client Done4U Article: Nine Things You May Not Have Thought About When Buying Your Next Home

You may not be in the market (yet) to buy another home, but when you do, here are nine things to consider.  And if you are selling your home, these things also apply. Good View = Higher Price: The view really doesn’t matter. It could be a pond. A view of a mountain or valley.  The rule of thumb is that you can expect to pay a higher price. Sold AS IS: Sellers will sometimes negotiate the price or give a dollar concession rather than put the home back on the market and start all over again. Gated community: It…

Client Done4U Article: Tweak Your Withholding Taxes – Filing a New W-4 Form with Your Employer

Remember filling out a W-4 form when you were first hired?  It’s the form that determines how much money your employer withholds from your paycheck to pay federal and state taxes—based upon the number of “allowances” that you claimed. But have you checked to see if it’s still applicable?  Consider adjusting your W-4 form if the following applies: You owed the IRS money – You may want to have more money withheld from your paycheck. In fact, if you owed too much, the IRS can assess you and add a penalty for not…

Client Done4U Article: Why You Should Avoid Paying These Bills Using Your Autopay Account

Paying your installment loans, your mortgage and car payment via auto-pay is a simple way to make sure that the critical bills get paid every month.  It helps you avoid late fees.  The payments are secure.  It helps reduce paper invoices. But before you AUTO-PAY all of your bills, there are some that may not make sense to streamline. First of all, use the automatic payment option only if you are positive that you will have enough money in the account to pay that bill on the due date.  Otherwise, you may have…

Client Done4U Article: Tips on How to Protect against Tax Identity Theft

Wow, I just read where the FTC said that tax identity theft has tripled over the last few years. Identity theft occurs when someone “steals” your personal information (social security number, birth date, name, address, etc.), files a phony tax return and gets your refund. You’ll never know it until YOU file your tax returns and the IRS claims that they already have one on file from you. If you complain to the IRS, it may fall on deaf ears as they think they already have a send you your refund check. This is a…

Client Done4U Article: 8 Mistakes to Avoid If You Are Thinking Of Building or Remodeling a Home

Have you ever walked into a home (either a brand new one or one that’s been around for 25 years or more) and said to yourself, “I wonder what the builder was thinking when they built this house?” Maybe you are thinking of finally building your dream home. Or considering downsizing the one you currently own. Or need to remodel the one you currently live in. Here are 8 things to keep in mind: Have a vision of what you want your home to look like. The floor plan is just the first step in the process. There a…