The Peoples First Choice!

the People Come First Newsletter March 2010

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Inside This Edition
Real Estate News
Appraisals &
Home Inspections
Foreclosure News
Lending News
Financial News & Tips
Tax & Accounting Tips
Computer Tech Minute
Helpful Web Links
Customer Comments


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From The Heart
Steve Srein-Founder/Editor

First we want to extend our prayers for the victims in Chili.  What we see on TV and the internet is only a fraction of the devastation those people are suffering. 

For those that are serving in our military abroad and here in the USA, to protect the freedoms we so richly enjoy, our deepest thanks, prayers and support go out to all of you.

We are going into our 24th year of helping get the most out of their finances.  We think we have been with our successful mission and passion to helping people find good homes, great financing programs, keep people informed on tax law changes and more.  We are helping people achieve their dreams.  Helping people save money and helping people avoid costly mistakes.    

I realize that the destiny of those we serve are in our hands, and that my friend is a sobering though.  Each time I or one of our colleagues meet with people, we treat our clients financial matters as if they were our own. 

It's personal.   It's Professional.

We want to thank you for your loyal support all of these years!  And for those that have not had an experience working with us and our fine services, we invite you to give us a call and see for yourself.  It will be refreshing and rewarding to see that People Really Do Come First!

Steve Srein - Founder/Editor

Salute to the Men & Women Who Serve Our Country
Click This Link
Watch This Video

Now - Spanish Translator Available

You can now find me on Facebook.com
Stephen J. Srein, Sr.

Steve Srein
Founder-PFFS, FSBO Connection
(321) 243-4892
Steve at PeoplesSaveMore.net

JoAnn Papsidero Srein
President-PFFS
(321) 243-4917
Joann at PeopleComeFirst.net

Steve Srein brings over three decades of banking, financial and real estate experience together in one easy to read newsletter. Steve gives you a simple format with links that will help you easily navigate and understand these important subjects.  

JoAnn Papsidero Srein brings over a decade of financial and real estate experience to our team of writers.  

• First Time Buyers Must Be Under Contract By April 30, 2010 and Close By June 30th 2010.
   
• "5 Questions to Consider Before You Purchase A Home"

• "5 Steps to Finding a Perfect Foreclosure Property"

• "Are the Insurance Companies Taking Advantage of You?"
       Thomas M. Haynes, All Brevard Certified Appraisals, Inc.
   
•  Crack-ology
       Jon Tremper, Tepee Home Inspections, Inc.

• "More Homeowners Walk Away"
   
• "More Foreclosures Coming Soon"
   
• Foreclosure Web Sites and More

• The Latest Wholesale Mortgage Rates
• WSJ Prime Rate  3.25% 
  Feds Pulling Out of the MBS by end of March 2010, Rates are predicted to Rise.
   
• FHA Rules Changes on the Horizon.

• FHA Loans - Put Them To Work For You!

• Quarterly FDIC Report - Is Your Bank on the List?
   
• "Credit Card Companies Charging Inactivity Fees"
   
• "LifeLock-FTC Settlement and Your Identity"
   
• FICO Score Estimator. It's online here @ MyFico.com  

• IRS - Record Keeping For Bartering

• IRS - Haven't Filed An Income Tax Return Since...?
   
• IRS - Husband & Wife Businesses
   

Need Help Preparing Your Taxes?
Need Bookkeeping Help?
We Can Help You Prepare Today
To Save Tomorrow!
 

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• Mr ComputerSavvy - 32 Bit vs 64 Bit
   
• With the help of our subscribers and other resources, we have gathered many helpful and useful web links for your use. 
   
• Florida & Brevard County Florida Area Links
  Hot Links with More Resources

Click on Links Below

For Your Finance & Mortgage Needs

Hungry Yet?

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Enjoy Your Reading!

Real Estate News




Steve Srein
Lic. Realtor
Golden Realty Group, LLC
Lic. Mortgage Broker
FL - SC


 

Rob Martin - Broker
Golden Realty Group




Check Out Life in
St. Lucie Florida
JoAnn Papsidero Srein
Remax/Masterpiece
(772) 237-6218
Joann@myFldreamhome.com
www.myfldreamhome.com

• First Time Buyers, Extended to 6/30/2010
  
  "It is finally official.  The homebuyers' tax credit has been extended to April 30, 2010.

  President Barack Obama approved the extension as part of a $24 billion economic stimulus bill signed Friday.  The bill also includes an extension of unemployment benefits to the longtime jobless and tax credits for some businesses.

  The housing tax credit portion of the bill extends the $8,000 tax credit for home buyers who are purchasing their first home from the current November 30 deadline and expands the program to offer a credit of $6,500 to other homeowners who have lived in their current home for at least five years and are seeking to relocate." 

  Read More @ Mortgage Daily News

• "5 Questions to Consider Before You Purchase A Home"
  
  By Mary Ellen Podmolik
   
  "RISMEDIA, December 15, 2009—(MCT)—Interest rates on the benchmark 30-year, fixed-rate mortgage dipped to a 38-year low recently, giving consumers another reason to consider purchasing a home or refinancing their current one."

  Read Article @ Rismedia.com
   

• "5 Steps to Finding a Perfect Foreclosure Property"
  
  "It’s never been easier to locate foreclosed properties that can be purchased for investment or as your own home. Foreclosure listing services provide an incredible amount of information for less than you might spend on burgers and a movie"
  
  Read Complete Story at TopForeclosureSourse.com
  
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HELP - We need listings

Ours are selling!!!

FSBO & golden Realty Group Homes, Products & Links
 
Featured
FSBO = For Sale by owner


5501-1 Robin Court, Keystone Heights, FL $167,000
5.49 Acres of Land on Lake
 

---

fEATURED
hOME fOR sALE


608 AVignon Ave, Melbourne, fl 32935
(*short sale) 2 Bed, 2 Bath, 2 Car, 1137 Sq Ft

Featured
Rental Property


1455 Stewart Ave, Melbourne, FL 32935, $850/mth
4 Bed, 2 Bath, 1 Car, 1452 Sq Ft
 

---

Flat Fee Mls Service for $295.00
or
Full Service Mls At Reduced Commissions
 

---

sold

 1119 Steven Patrick, Indian Harbour Beach, FL $96,500
Seller Saved over $1400 in Commissions
 
1268 Katrina Course, Palm Bay, FL 32905 - $105,000
Sellers Saved $1313 in Commissions

---

Link to FSBO & MLS Homes

Link to Golden Realty Group Web Site

 

Need A Rental - Look Here
 
(Brevard County, Florida)

If you know someone looking to buy a home in 
Florida,  North Carolina or South Carolina - click here

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Appraisal News


Thomas M. Hayes
All Brevard
Certified Appraisals, Inc.
(321) 259-6640


Home Inspection News


Jon Tremper
Tepee Inspections, Inc.
(321) 777-1538
 

• Are the Insurance Companies Taking Advantage of You?
  
  "You probably wonder why the insurance companies want to value your homes at almost double.  Well the first is what you would thing they want the premiums but the value of the home sets the value for the contents of your home.  The hidden agenda here is your deductable increases as a percentage of the homes replacement cost value."
  
  Read Complete Article-
  Thomas M. Hayes, Lic. Real Estate Appraiser
  
   

• Crack-ology
  
  "Crack-ology - (n) The science and study of cracks unique to residential construction, i. e., exterior walls, foundations, and driveways / walkways; including interior floors, walls, sheetrock, and plaster.”
  
  Read Complete Article-
  Jon Tremper, Lic. Home Inspector

Foreclosure News

• "More Homeowners Walk Away"
  
  "A growing number of home owners in Arizona, California, Florida, and Nevada—where prices have fallen the most—are walking away from their properties.
  
  They are leaving the deal behind not because they can’t pay but because they don’t want to. A study by researchers at Northwestern University and the University of Chicago concludes that as many as 25 percent of defaults are driven by strategy, not necessity."
  
  Read Complete Article at Realtor.org
   
• "More Foreclosures Coming Soon"
  
  "More than 1.7 million homeowners were verging on foreclosure this fall, making it likely that these houses will soon end up on the market one way or the other, driving down overall housing values.
  
  "We're going to be dealing with high levels of distressed (sales) in the marketplace for at least a couple of years," says Mark Fleming, chief economist of researcher First American CoreLogic, which has been studying the problem."
  
  Read Complete Article at Realtor.org
   
• Foreclosure Web Sites and More - These are our three favorite web sites where you can get FREE information.
  
  www.Emailforeclosure.com
  http://www.all-foreclosure.com/foreclosures.htm
  www.Foreclosures.com
  
  More Hot Links

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Lending News

 

• The Latest Wholesale Mortgage Rates
  (*Rates subject to change without notice)
  Interest Rates May Vary Slightly Based On Your Area of the Country 
  
  Bond Market - Click Here to see Bond Market Chart Activity In Real Time
  
  Click Here for Current Mortgage Rates & Programs
  
  
  To Apply – You Can Download Our Mini-Application 
  and Send It To US Click Here  (Virus Free) 
   

  ---

• Feds Key Interest Rate Holding at .0% to .25%
  WSJ Prime Rate 3.25%
   
• FHA Rules Changes on the Horizon
  
  "FHA Announces Policy Changes to Address Risk and Strengthen Finances"
  
  "RISMEDIA, January 22, 2010—Federal Housing Administration (FHA) Commissioner David Stevens announced a set of policy changes to strengthen the FHA’s capital reserves, while enabling the agency to continue to fulfill its mission to provide access to homeownership for underserved communities. The changes are the latest in a series that Stevens has enacted in order to better position the FHA to manage its risk while continuing to support the nation’s housing market recovery."
  
  Read Complete Article @ Rismedia.com
   
• FHA Loans - Put Them to Work For You.
  
  Most mortgage loans written these days are FHA. 
  Here is a quick snap-shot of the advantages.
  
  Changes May Be Coming Soon... ACT NOW!
  
  Lower Down Payment - 3.5% of sales price
  Sellers Can Pay Up to 6% of Buyers Closing Costs
  Gifts are ok - Can be from a relative
  You do not have to be a first time home buyer
  Credit Scores Starting at 620
  Loan limits to $290,250
  
  Call for More Details (321) 243-4892

Click on Links Below

For Your Finance & Mortgage Needs

Hungry Yet?

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Financial News & Tips




If you have a story or experience to tell, send us an email
Click Here


Freedom Financial
George Kiratzopoulos
Financial Professional
(321) 446-0646




Express LCL Services, Inc.
129. W. Hibiscus Blvd
Melbourne, FL 32901
(321) 729-6399

Wills, Incorporations, Adoption
Divorce, Bankruptcy & More.



CAPE
Wealth Management
Jamie Ostrander
Wealth Advisor / Director
1694-B W. Hibiscus Blvd.
Melbourne, FL 32901
(321) 821-2288
www.Capewm.com

• IRS - Record Keeping For Bartering
  
  Headliner Volume 281
  November 30, 2009

  "In today’s economy, small-business owners sometimes look to the oldest form of commerce — the exchange of goods and services, or bartering. The Internal Revenue Service wants to remind small-business owners that bartering transactions generally have associated tax reporting, accounting and record-keeping responsibilities."

  Read Complete Article @ IRS.gov
   

• "Credit Card Companies Charging Inactivity Fees"
  
  By Jeff Plungis

  "Dec. 1 (Bloomberg) -- Amy Schiffman has had a Fifth Third Bancorp credit card for eight years to guard against unexpected overdrafts on her checking account. Now the bank wants to charge her $19 for not using it."

  “If you’re not thinking about the card, you might forget to pay the fee, and then you’ll be facing another late fee on top of it,” said Schiffman, 26, a Web designer in Lansing, Michigan."

  
  Read Complete Article @ Bloomberg.com
   

• "LifeLock-FTC Settlement and Your Identity"

  Case Information

  "LifeLock, Inc. has agreed to pay $11 million to the Federal Trade Commission and $1 million to a group of 35 state attorneys general to settle charges that the company used false claims to promote its identity theft protection services, which it widely advertised by displaying the CEO’s Social Security number on the side of a truck.."

  Read Complete Article @ FTC.gov
   

• FICO Score Estimator. It's online here @ MyFico.com
  
  A very useful tool to help determine your credit score without the cost of paying for a credit bureau.  Still one of the best kept secrets.

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We Are Serious About Saving You Money!

• IRS - Debt Cancellation - 1099C

  "In general, if a debt for which you are personally liable is canceled or forgiven, other than as a gift or bequest, you may have to include the canceled amount in gross income. Depending on the circumstances by which your debt was canceled and the nature of any property associated with the debt, the canceled debt may qualify for an exception to resulting in gross income, or the canceled debt may result in gross income but the income may be excluded."

  Read Complete Article at IRS.gov

• IRS - Haven't Filed An Income Tax Return Since...?
  
  "Filing a past due return may not be as difficult as you think. Taxpayers should file all tax returns that are due, regardless of whether or not full payment can be made with the return. Depending on an individual’s circumstances, a taxpayer filing late may qualify for a payment plan. All payment plans require continued compliance with all filing and payment responsibilities after the plan is approved. However, full payment of taxes saves you money."

  Read Complete Article @ IRS.gov

   

• IRS - Husband & Wife Businesses
  
  "One of the advantages of operating your own business is hiring family members. However, the employment tax requirements for family employees may vary from those that apply to other employees. Below, we point out some issues to consider when operating a husband and wife business."
  
  Read Complete Article @ IRS.gov

• Need Bookkeeping Help?
  Tax Preparation - Fees Starting as low as $50.00
  We Can Help!
  
  Bookkeeping Services Starting at low as $15.00 Per Hour
  Quarterly Tax Preparation Starting as low as $25.00 Per Return
  QuickBooks & QuickBooks Pro Qualified
  25 Years Bookkeeping Experience
  We Can Help You Prepare For Tax Season Too!
  Call Today - (321) 242-8240

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• Computer Tech Minute by ComputerSavvy
  
  32 Bit vs 64 Bit! Which System is Right For You?
  
   
• Need Help with Your Computer?
  
  The Computer Savvy Guy will walk you thru all the steps you need, OVER THE PHONE, to help you solve your computer woes.
  
  Got computer problems and need someone you can talk to, call Mark, Mr. Computer Savvy Guy at (321) 758-0941 or email him at computersavvy76@comcast.net.

• Florida & Brevard County Florida Area Links
  More Hot Links,  More Resources

• Here Are Some Helpful Links:
  
  Need help finding Home Owners Insurance in Florida? Check Here

Need A ParaLegal?

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• Your comments are very important to us.   Others that we have the opportunity to serve would like to hear what you have to say.  That's why we created our online Customer Comments page.
   

• Thank you - I appreciate all your efforts – nice working with a pro.

  Dan Lambdin, Asset Home Realty, LLC

• Our Experience with People's First was an absolute pleasure.  They are hard-working and very professional.  We will highly recommend them.
  
  Clark Colbert - Palm Bay, FL

• Steve--Thank you very much for examining the info I sent you. I appreciate your honesty and your work ethics.  It means a lot to me.  I will always turn to you first in any future transaction to see if you can help me out.  Also, if any of my friends need your services, you will be the one that I recommend. 

  Thanks again for your help.  C. Byrd - Melbourne Beach, FL

• Click Here to read more of our Customers Comments

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In Florida
People's First Financial Services, Inc.
"Dedicated Service Since 1986"
2299 Sarno Rd, Suite B
Melbourne, FL 32935
(321) 242-8240
Fax (877) 202-2968
"Where People Do Come First"
www.PeopleComeFirst.net

Golden Realty Group
Home of the
"Award Winning"
FSBO Connection Program
PO Box 410497
Melbourne, FL 32941
(321) 243-4892
"We Follow The Golden Rule"
www.PeopleSaveMore.net
www.GrgRealty.com

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