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First Time Buyers >Credit Card Traps
It is not unusual for first-time buyers to be free of debt. They have been saving for their first home for many months or even years. But after they move into their new home, the new homeowners are often deluged with pre-approved credit card applications from banks and stores offering credit lines. Before they realize what is happening, they can be overwhelmed with debt.
The consumer credit agencies know that mortgage companies do thorough checks before approving a loan, and those who have passed through that process are considered good credit risks. They also know that new homeowners often need to make major purchases of furniture and appliances at a time when they have depleted most of their savings accounts. After years of disciplined savings, new owners may be faced with a tremendous temptation to just say "charge it" for the things they need.
If you have just purchased a home, be aware--and wary--when those credit card applications start pouring in!
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| Q |
Which law allows a person to give another individual up to $10,000 a year without any tax consequences?
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| A |
The Federal Gift Tax Law allows both parents to give a child (or anyone) $10,000 each in one year. |
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Ellen Murphy
Coldwell Banker Residential Brokerage
209 Central Ave
Westfield, NJ 07090
908-233-5555
Fax: 862 345 2882
cell: 908-447-8134
ellenmurphy811@comcast.net
I am a leading agent with the Westfield NJ Coldwell Banker office. I have many years of experience in Union County real estate and am skilled in the negotiating of sales and listings. I have market knowledge and personal experience as I have lived in the markets I serve. PLEASE CALL ME TODAY!
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