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Take Advantage of the Subprime Crisis: Portfolio Lenders

How should you reevaluate your long-term investment plan in light of the subprime mortgage crisis? // What I want us to focus on, as 21st century ...

The Ultimate 2019 Tax Planning Guide

Blind, then you can boost your standard deduction by double the relevant amount. Moreover, for joint filers, each spouse has an opportunity to get these added amounts. So for a married couple in which both spouses are over 65 and both are blind, the standard deduction would increase by $5,200 -- or $1,300 times four.

Most minor children don't have to file taxes at all, but if they have income from a job or from investments held in their name, then it's possible that they will need to file. If so, they typically aren't allowed to claim the full standard deduction. Instead, they're subject to reduced standard deductions. For them, a standard deduction of at least $1,100 is available, which is $50 more than in 2018. Those who have earned income from a job or other source get a standard deduction of at least their total earned income plus $350 more, until that amount rises above the regular standard deduction shown in the table above.

The most popular tax credits for 2019

Tax credits are extremely valuable breaks for taxpayers. Credits lead to a greater reduction in tax than deductions because they are directly applied to your tax bill in a dollar-for-dollar manner. For instance, a $1,000 credit would cut your tax bill by $1,000, but a $1,000 deduction would reduce your taxes by less than $1,000 -- more specifically, typically somewhere between $100 and $370 under current tax law. In particular, the following tax credits are among the most common and can produce significant savings.

Your Complete REIT ETF Guide

Millions of Americans own real estate, and even though most investors think of stocks and bonds when they're looking to invest, real property can make a good choice for those seeking good returns on their capital. Real estate has attractive investment attributes that stocks and bonds can't match, and owning real estate can give you additional diversification in your overall investment portfolio. In some cases, investing in real estate can help offset losses in other investment holdings, preserving the total value of your total investments. Moreover, there's only a finite amount of real estate in the world, and especially in certain locations, scarcity has led to impressive long-term returns for real estate investors.

Investing directly in real estate can be lucrative, but it's also challenging. Doing research on particular individual properties is time-intensive, and transactions can take a long time to complete. For those who like how quickly they can buy and sell stocks, one alternative is to invest in real estate investment trusts . As you'll learn in more detail below, real estate investment trusts, or REITs for short, put together portfolios that have dozens or even hundreds of properties, offering their shareholders the ability to share in the income and appreciation that the REIT's real estate holdings produce. With hundreds of different REITs to choose from, many real estate investors prefer to use exchange-traded funds that in turn let them own stakes in dozens of REITs in a single investment. Low costs and the ability to invest more efficiently in real estate make ETFs an attractive option for those seeking to add real estate investments to their portfolios.

Purchased with owner occupied mortgage - can it be rented in the future?

If a buyer buys a property, puts 10% down, gains the advantages of an owner occupied mortgage as opposed to an investor mortgage, lives in it for 6 months, 1 year, or 2 years then buys a nicer home.

The time frame is uncertain, but, no, there shouldn't be allegations of mortgage fraud. Two years is fine. I've heard debates over whether 6 months is too short; I've heard lawyers say to live in a property for at least a year.