Episode Transcript
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Speaker 1 (00:03):
Hey, everybody, Welcome to the Kristin Agophian Show. Shout outs
from everybody here in Studio B as we connect with
our station's coast to coast via the biz Talk Radio Network.
Greetings to you all. This week's show is brought to
you by our caring sponsors at Elite Rehab. Because everybody
knows a family or a friend that is fighting the
effects of today's substance abuse epidemic. It is at every
(00:25):
earning level. We're gonna mention this every week. It's at
every educational level, every city, every town, and if someone
you care about needs help, pick up the phone and
call the professionals at eight hundred nine three two four
zero a two. That's eight hundred nine three two four
zero a two the numbers on our website as well
(00:46):
at Brilliantfrugalliving dot com. Help the ones you love put
that chapter behind them for their sake and for yours.
Eight hundred nine three two four zero a two. Sitting here,
coffee in hand, going again with the krem brew lat
with way too much cream in It's so tank good.
I did put some coconut oil in there, though, I'm
trying to make that a regular thing, still undecided on
(01:09):
the whole pros versus cons whatever. Looking out the studio
windows at another gorgeous city scape. It was raining before.
Anything's better than snow, and it's getting warmer. Praise the Lord.
And today, guys, we're talking two springtime concerns on today's show.
Number one taxes, number two losing weight before summer hits,
(01:32):
and how to do both without breaking the bank. Later
on in the hour, we've got dad and daughter talk
real estate. Half past the hour, we also have two
additional fantastic interviews, one with mel doman senior calm manager
with orbits love that site, with their ideas on how
to use this year's tax return to your highest and
best use. But first, if you're doing some tax calculating
(01:56):
for this year's tax deadlines and you're kind of sort
of maybe freaking out quietly behind the scenes, here are
your top go to far easier than you might think
tips for slashing that tax bill in the future, Sent
to us by nerd Wallet and our fabulous listener, Kyle
Ka tuning in from beautiful Seattle, Washington, in no particular order.
(02:21):
We're going through this year. I want to get through
all of these in the first segment, best ways to
cut your tax bill, And I say best because they're effortless,
they're easy, and they pack a punch. Number one, tweak
your W four. Most of you know what a W
four is. Some of you, guys, you know a little busy,
not really familiar with the tax terms. W four a
form you give to your employer. Instructing it. You are
(02:44):
in charge of this how much tax to withhold from
each paycheck? Now, if you've got a huge tax bill
this year and you don't want another surprise next year,
it's an easy five minute conversation with your HR director,
or you take care of it yourself. You raise your
withholding so you owe far less if anything, next April. Now,
(03:05):
on the opposite, you know, flip of the coin. If
you got a huge refund that you know, yeah, it
feels great, good for you. However, I get a serious
itch between the shoulder blades because you just gave Uncle
Sam your money tax free when you could be using it. So,
if you got a huge refund, do the opposite this year,
reduce your withholding? Okay, Otherwise you are needlessly living on
(03:30):
less of your paycheck all year. Okay, you can change
your w four anytime. All right, talk to your HR director,
go online if you're self employed, talk to your accountant
if you have one, take care of it. I'm telling
you it's it's money in the bank. It's an easier lifestyle.
You don't want to be again owing a huge amount
next year or getting a huge amount back again. Seriously,
(03:50):
Uncle Sam's got plenty of our money. Don't give him
extra unless you know you done need it. Next up,
and this is one of my favorites. I wanted to
make sure this was in our top lineup here. Stash
as much money as you can in your four oh
one K. All right, what does that do? Here's what
that does, less taxable income. When you put as much
(04:10):
as you can into your four to one K, what
you have left is your taxable income. The more money
you put into your four oh one K, the less
you get taxed on, the lower the tax rates. Sometimes
and four to one ks are one of the top
popular effortless ways to reduce your tax bills. The IRS
doesn't tax what you directly divert from your paycheck into
(04:33):
a four oh one K. Here's the cool news. You
can funnel up to nineteen grand per year into an
account that is nineteen grand that you're not going to
be taxed on. That is so pretty. If you're fifty
year older, you can contribute an extra six grand, even prettier.
Can you see me? Can you just hear in my
voice how much I'm smiling right now now. These retirement
(04:55):
accounts are usually, you know this, usually sponsored by employers,
although oh self employed people can open their own four
h one k's. And if your employer, this is so yummy.
If your employer so many of these do. This matches
some or all of your contribution. If you've got an
employer that matches all of your contribution to your four
(05:17):
oh one K and you aren't maxing that out, you
are deserving of you know my angry face. You don't
want the angry face. I'm raising my mug of coffee
to all of you who max out your four oh
one K. If you currently have access to a four
h one K, max it out. That is extra money
for your family, extra money for your bank account down
(05:38):
the road, extra money for your retirement. That's what it's
all about. It's gravy on top of the potatoes. Make
it work. It's free money, basically, especially when your employer
is matching some or part of it. And if you
have an employer who matches air quotes, only five percent
kiss their feet. Man, they don't have to put their
money in there, and they are anyway, make it work.
(05:59):
Next step, if you don't have a four oh one k,
or even if you do contribute to an IRA, this
is another huge tax haven. It is so pretty and
so many people I know do not do this. Okay,
So there's two two major types of individual retirement accounts.
That's what an IRA is for those who aren't familiar.
An IRA is an individual retirement account. There are two types,
(06:22):
wroth irays, which you may have heard about, and traditional irays.
Both are far easier to get into than you might suspect.
You hear these phrases on you know the big financial networks.
Oh it sounds too you know up any whatever? No, no, no, no,
no no. It is there to help you and you
may be able to deduct contributions to a traditional IRA,
although how much you can deduct depends on whether you
(06:45):
or your spouse is covered by a retirement planet work.
Don't let my last ten seconds of dialogue ten seconds
of monologue, I should say distract you or dissuade you
from going after these. These are always to put your
money that you sweat of, that you spend time away
from your family over, that you deserve to have in
your pockets, not the pockets of the government or some
(07:07):
you know whatever. I want it in your pocket. This
is how you get it done. Okay, you may not
be able to deduct your contributions if you're covered by
a retirement plan. Here's where you call an accountant who
lives who gets up in the morning. She or he
gets up in the morning drooling over the possibility of
getting someone like you in the seat and finding out
(07:29):
ways to ring every single bit of tax goodness back
into your bank account with all of their various tricks.
They live for this stuff. Get your hands on an accountant,
see what she or he can do for you. That's
all the risk to it. Next up, I love this
funding your FSA Flexible spending accounts. These are getting more
and more popular. They're never going away, and it's a
(07:50):
fabulous thing. The irs lets you funnel tax free dollars
directly from your paycheck into your FSA every year. So
if your employer offers a flexible spending account. You might
want to take advantage of it to lower your tax bill. Okay.
In twenty eighteen, the limit was twenty six fifty six
hundred fifty bucks. That amount is two seven hundred dollars. Now,
(08:15):
you'll have to use the money during the calendar year
for medical expenses and dental expenses. However, if you have
people in your household, like I've got a beautiful daughter, embraces,
we have the usual doctor's appointments, God forbid, there's any
kind of an emergency knock wood. We haven't had those
going on. But you'll find if you're a typical family,
you're gonna blow through that pretty quickly. Okay, so think
(08:35):
seriously about doing that, especially maybe if you've got a
family member on the way. Trust me, you're gonna blow
right through it. There's just so many ways between, you know,
the guys, don't cringe. I got the I got the
girlogram coming up, I got all my regular stuff going on.
And that's the kind of thing that can take a
bite out of your accounts. I'm telling you right now.
It pays for itself and then some. And when you
(08:57):
do it via an FSA, all right, a flexible spending
account tax free. It's a beautiful thing. We got about
another minute and a half excellent. Next up, rock your HSA.
All of these acronyms meant to make it down more
fancy schmancy difficult than it is. And HSA is a
health savings account. And if you have a high deductible
health care plan, you may be able to lighten your
(09:20):
tax load by contributing to a health savings account. They
are tax deductible. The withdrawals are tax free too, so
long as you use them for qualified medical expenses. And
there's a ton of them out there. Okay for twenty nineteen.
If you have only self only, how do we say
this year? If you have self only high deductible health coverage, okay,
(09:41):
you can contribute up to thirty five hundred bucks. If
you have family high deductible coverage for your health savings,
you can contribute up to seven grand. And again this
surprised me when we talked about this in an earlier show.
I had a lot of families connecting with me saying
that seven grand is a drop in the bucket for
their usual health veenditures over the course of the year,
(10:01):
and HSA is perfect for that kind of thing, absolutely
perfect good stuff. Next up, I got to get this
in saving for college, setting aside money for tuition can
shave some serious bucks off your tax bill. Okay, a
popular option making contributions to a five point twenty nine plan.
It's a savings account operated by a state or an
educational institution. You can't deduct your contributions on your federal
(10:25):
income taxes, but you might be able to on your
state return. You're not just not gonna you know, Uncle
Sam is also about the state taking their chunk as well.
If you're putting money away, that's the kind of thing
I'm talking about. Guys, Stay tuned. More fabulous info on
saving your waistline and your wallet. Right after this.
Speaker 2 (10:43):
Shaping small not to the best of all circumstances, cross.
Speaker 1 (10:57):
Line, and we are back with the Kristin Agopian Show,
and it's you know, we all dread. I'm just coming
out with it. It's the day that most Americans universally
just really dread. And that's tax Day. So whether you're
banking on a refund, God bless you, or preparing to
(11:18):
pay up, says the woman in the mirror, one thing
is certain. The tax season has been stressful. I don't
know about you, but my chocolate intake is at an
all time high. So I was so delighted coming to
our rescue. One company out there is making sure taxpayers
will still get rewarded, joining us via our newsmaker line.
Mel Doman is a senior communication manager with Orbits. I
(11:42):
love that site, and she's joining us to tell us
why we should book a trip on tax Day. Loving it.
I am so in great to be here. Good to
have you, and again, your timing is spectacular And I
don't know about you. I mean I'm connecting with people
coast to coast. We've got the best listeners out there,
and it really seems like this year, or more than most,
tax season is just stressful with a capital stress. It's
(12:04):
really kind of ridiculous, especially considering we have a little
more wiggle room now doesn't seem to matter. We're stressed.
Why do you think that is from your angle? And
what is your company offering to help talk people down
out of their tree and kind of reduce that stress
just a bit?
Speaker 3 (12:18):
Well, you're certainly right, it has been stressful. We did
compolling to really gauge how people are feeling this tax season,
and one and three told us they're more anxious about
this tax season than any other they've been through. So,
you know, people are really feeling the pinch. And I
think it's because, you know, tax reforms went into place
this year, and so it's our first filing season really
(12:40):
dealing with some of these new deductions and withholdings and
just any time you're talking dollars and cents, it seems
like it can be stressful, right, and we're here to help.
I think it's the message here. You know, we said,
what can we do to just make sure that we
help people get ahead of those summer vacation plans. We
don't want taxes to be the reason that you don't
(13:01):
go on an Independence Day trip with your family, or
out to see Disney World or some of those other fun,
great destinations. So here's how it works. When you book
at orbits dot com slash cast day, you are going
to get those taxes and fees that you would normally
pay back in your pocket. So we're going to credit
you all those taxes and fees so you can book
(13:23):
a trip and really save.
Speaker 1 (13:25):
That is fantetic and I'm writing down notes as we're
talking here, and you know what grabs me firsthand. You know,
our studios are here in Philadelphia. You know this. But
I'm thinking of myself, you know, if I make it
to Jersey, I'm patting myself on the back, and I'm
thinking it could be time for me maybe to expand
my travel horizons just a bid, because there are some
destinations where this year's refund could be you know, an
(13:47):
especially significant cash value. Correct.
Speaker 3 (13:50):
Oh, you are definitely correct. So you may not know this,
but airline and hotel taxes and fees can be as
high as fifteen to twenty five percent in certain destinations.
And with this promotion, it's really that rare time where
it pays to look at where those fees and taxes
are the highest, because that's where you're going to get
the best savings and best bang for your buck. So
(14:11):
I've been telling people look at some of those exotic
locations like the British Virgin Islands, for instance, they have
taxes and fees almost at twenty five percent. So that's
what you'll save when you book places like Cayman, Bermuda,
Turks and Caicos. So if you're thinking about going snorkeling
or golfing. Those are great destinations where you can enjoy
(14:33):
it at and really have some peace of mind.
Speaker 1 (14:36):
You know.
Speaker 3 (14:36):
The other places that I'm telling people are right here
at Stateside too. So if you can't get away, you
can't kind of plan that long term vacation, why not
try something like those bucket list cities New York, Chicago,
San Antonio, even Savannah, Georgia. In all those places, you
can save fifteen percent or more when you book on
(14:57):
tax day.
Speaker 1 (14:58):
That is fantastic. You know, we just got back from
San Antonio not too long ago. That place was just gorgeous.
I love it. Good stuff, good cities too. And here's
a question, I'm curious, why did your company Did you
guys just smell the tax panic in the air, and
you're doing your part as a corporate citizen, Why did
your company decide to offer this promotion? This is fantastic.
Speaker 3 (15:16):
Yeah, you know, if people were just feeling so overwhelmed
this season, half of tax payers said they were so
stressed they were just going to take their taxes to
a professional and let them handle it for them. And
you know, one of the things we realized is that
if you are feeling the pinch you are feeling stressed.
Travel maybe one of those first things where you think, oh,
you know, we'll skip the trip this year, or we'll
(15:37):
save that money. But we didn't want to stop people
from planning a trip just because taxes were stressful. You know.
We feel like travel is one of those and most
rewarding experiences that you can have, and we don't want
you to skip your summer vacation just because you had
a bad April.
Speaker 1 (15:54):
No, it's so true. And you know what, you bring
up an interesting point that I want to I want
to round back on people today in these modern times.
It's fantastic we have. We're so shackled to our desks.
We feel like, you know, if we're not focusing on
work every minute you have, that's still that anxiety. We
got to turn things around just a bit where the
good news is you can access work from anywhere. The
bad news is you can access work from anywhere. So
(16:15):
if we could maybe incorporate a little more travel in
there and just expand our horizons a little, get your
traveling foot on, it can be you'll kind of balance
out all the craziness these days. What are your thoughts?
Speaker 3 (16:26):
I one hundred percent agree I think sometimes they may
travel more of a behemoth than it really needs to be.
I'm well, take micro trips. That's a great, great opportunity
where if you only can get away for a day,
book a Friday or a Monday, and spend a weekend
somewhere and just relax a little bit. I think disconnecting
(16:46):
is more important than ever before, and just getting out
there and having real experiences with the people you care about.
Speaker 1 (16:53):
It's true, and I'm just recharging the batteries. Here's the
next thing, and I'm curious on your thoughts on this too.
I've got two beautiful kids. They are fantastic. They just
know how to, you know, roll with any kind of craziness.
I want to teach them that travel is just so
much fun in broadening and doesn't have to be a hassle.
And yet every summer, you know, it flies by. We
do a couple of those, you know, mini trips, one
big trip, but I'd like to introduce to them the
(17:14):
concept of just decompressing and kind of you know, unplugging
a bit and taking one of these trips. It's just
one of the great things about you know, living into
all this great accessibility thanks to Orbits.
Speaker 3 (17:23):
Certainly, you know, I think summer is a great time
to make sure you do plan a getaway. It's that
rare time where the kids are out of school, right
and I think if you can set aside the time
and save money while you do it, there's really no
excuse not to not to really go. And the great
thing about some of these online travel sites like Orbits
is you can book all aspects of your trip, so
(17:45):
you're really in control of what you can do. You
can book activities on these sites now too, so even
you can prepare, prepare, prepare before you go and know
what you're getting into and make sure that you've got
something cheat.
Speaker 1 (17:58):
Up that you're going to like.
Speaker 3 (18:00):
Are also really great for the kids too.
Speaker 1 (18:02):
I love this. Now you're the expert, so I'm going
to pick your brain just a bit here. Because we
talked about the airfare, we talked about the great rates
with regards to tax Day. Throw our listeners a couple
more bones with some other money savers that you might recommend,
you know ones, It doesn't take a lot of time,
a lot of crazy effort. Just really go to moves
(18:22):
for planning a travel trip any time a year without
losing your mind.
Speaker 3 (18:27):
I'm cracking with you. I'm a penny pincher myself, so
I love these money saving tips. I think the first
tip I want to give you is know your booking
window now. This especially applies to flights book three weeks out,
can three weeks out that's roughly when you should be
looking to purchase those flights. My other tip is to
be flexible because if you can leave midweek, Let's say
(18:51):
you can plan a vacation where you leave Tuesday or
Wednesday and come home on a Sunday, that's kind of
a perfect length of time where you're also going to
save on flights as well. So make sure that if
you can be flexible with those dates, do it. It's
worth it. You will save a lot. My final tip
would be booking together. So if you can book a
(19:12):
flight and hotel together, or a hotel and car together,
you're going to save more money because we're able to
unlock some extra savings for you on our back end
and you can save really, you know, twenty thirty forty
percent sometimes when.
Speaker 1 (19:27):
You book together. Outstanding Mel Doman, Senior communications manager with
Orbits you know your travel This was fantastic. You've got
an open mic anytime, the time flu We'd love to
have you back.
Speaker 3 (19:37):
Thank you having travlvol.
Speaker 1 (19:39):
Thanks a million. We'll be right back gang right after this.
Speaker 2 (19:43):
Small not to steal the best of all.
Speaker 1 (19:56):
And we are back with the Christen Agophian Show with
another fabulous episode mode of Dad and Daughter Talk real Estate.
Sitting here joining me as we round out the second
half of the hour, John Harriet aka Dad here with
all the latest info on real estate and why now is,
without a doubt the best time to dip a tone
you're thinking about buying or selling, or renting or flipping.
(20:17):
Here's the guy in the note to tell you exactly
why now is the best time to get the ball
rolling on all of those.
Speaker 4 (20:22):
Welcome pop Yes indeedy John Harriet better known as Dad
here and Dad and Daughter Talk real Estate Keller Williams
real Estate. What I want to talk about here is
to embellrace a little bit more. We talked about last
week and what is the very very best way to
build wealth for yourself, family, your extended family, whether you
are a single person, the best way for you to
(20:42):
begin to build wealth is to buy that first home.
Speaker 3 (20:45):
Yep.
Speaker 4 (20:45):
And now we're going to talk about some of the
reasons why that would be happening. I'm going to give
you just a little bit of history. Okay, Way back
in nineteen sixty nine or seventy your mother and I
bought our first house in Green Bay, Wisconsin. Good because
our landlord had the absolute, unmitigated gall to raise our rent.
Evil landlords raised our rent from one hundred and fifty
(21:08):
dollars a month to one hundred and fifty five.
Speaker 1 (21:10):
How are you supposed to sleep at night with those
kinds of livings?
Speaker 3 (21:13):
That's right.
Speaker 4 (21:15):
So we found ourselves a fixer upper for fifteen thousand,
nine hundred dollars. Pretty cool, and we fixed it up
and we sold it about two years later for like
five thousand dollars more, which was enough to get us
into a nicer suburb yep, in the Peer, Wisconsin home
of Terry M. Musing Miss America of nineteen seventy six
or seventy seven something like that for Google right there, yep.
(21:37):
And then moved to Philadelphia, and the house that we
paid thirty three thousand, nine hundred dollars for in nineteen
seventy two, we sold for sixty seven, nine hundred dollars
in nineteen seventy nine. Amazing, So thirty thousand dollars increasing equity.
Speaker 1 (21:52):
There double the president.
Speaker 4 (21:54):
We moved to Pennsylvania, bought another fixer upper in the
western suburbs of Philly or the OUTLANDIAT sum of eighty
three thousand dollars probably should have sold for about one
hundred and twenty thousand.
Speaker 1 (22:05):
All the other ones in the neighborhood were they were
on the one twenty racket.
Speaker 4 (22:07):
So we did the fix up and we lived there
now for forty years and the house is not probably
worth somewhere north of five hundred and fifty thousand dollars.
Speaker 1 (22:14):
Yem me.
Speaker 4 (22:15):
So those are the kinds of gains that you can
make if you invest in real estate. And now I
know it's kind of difficult to think about what's going
to be happening forty years from now.
Speaker 1 (22:24):
Yeap comes to the number one and ten is not
too old, with absolutely not people doing that every day.
But it's simple fact. What everything you're saying, I boil
it down to the simple one liner. Numbers don't lie.
And when you have had time and time again proven
these theories correct. Where you invest in the market incredibly
(22:44):
wisely with a very keen sense of the fixer ruppers
and the neighborhoods and the school districts. You will launch
yourself regardless of your earning capability right now, regardless of
your current socio economic status, your current job, your current salary.
When you invest in real estate, especially when you do
it wisely going for the fixers in the great school districts,
(23:05):
you are setting yourself up for financial success in a
way that very few people choose to do these days.
And it's to their detriment.
Speaker 4 (23:12):
It certainly is it certainly is so the safest, most
lucrative investments you can probably make. YEP, is buying that.
Speaker 1 (23:19):
House very appealing buying that house.
Speaker 4 (23:20):
And to do it now. You really shouldn't be trying
to do this on your own. You need a good realtor.
And those of you who are outside of Pennsylvania and Delaware,
which are the two places of RIND licensed to practice
really state, I can certainly help you find a good realtor.
And here's how you can find out. My recommendation. If
you dial up that Dad and Daughter Talk real Estate hotline.
Speaker 1 (23:40):
At absolutely guys call her text anytime four eight four
five seven four four zero eight eight.
Speaker 4 (23:47):
Once again that's four eight four five seven four four
zero eight eight and just leave a message or leave
a voicemail. Text works too, and say, Hey, John, like
to talk to you about needing a realtor and Hattiesburg,
Mississippi or whatever, and I'll be glad that do some
research and the local realtors and be glad to get
back to you with a recommendation. Doesn't mean you have
to use the person that I recommend, but you can
(24:08):
be certain that I will have done some research. It
will probably be a Keller Williams agent, because that's where
I'm going to start. And I do believe that we
have the best training program and the best mentorship program
of any real estate company in the country, in the world,
absolutely in the world, and that's been recognized time and
time again that we are probably the best training company
in the world, not just in the real estate business.
(24:30):
So it doesn't mean you have to use him or her.
And then you would say, well, John, what do you
get out of recommending or a realtor in Hattiesburg, Mississippi.
Will If you choose to use this person, I do
get a referral fee. That's the normal way that completely charitable.
If I didn't get a referral fee, I would still
do the recommendation.
Speaker 1 (24:48):
You are certainly steering people towards all the right people
to go to further information for their expertise later on.
So I think it's a win win for everybody.
Speaker 4 (24:56):
So let's talk again about some numbers that we touched
on briefly in the asked yes that if you buy
a house right now for two hundred and fifty thousand dollars, okay,
and if the projections for rates of increase come true
over the next five years, that two hundred and fifty
thousand dollars house is going to be worth somewhere north
of two hundred and ninety thousand dollars in five years.
Speaker 1 (25:16):
Just a few years. It's not like because again people know,
even the most busy person knows about real estate. Oh yeah,
your net worth will increase, I'm sure of that. When
you ask moup a pen to paper and say, well,
how much do you think a two hundred and fifty
thousand dollars house is going to be worth in five years,
they probably say, oh, maybe two fifty five to sixty whatever,
it's going to go up. When you tell them it's
actually closer to three hundred thousand dollars of net worth.
(25:38):
That's the jaw dropping thing that really, it's the wheels
turning and saying, maybe it's time to get your tone
in the market. Yep.
Speaker 4 (25:42):
And just say you're a young couple starting out, no children, right,
maybe both of you are working, and you buy this
house for a two to fifty five years. Maybe there's
a child or two that's arrived. Oh, sure, so you
need a bigger house. You've got forty thousand dollars plus
of equity. You can use that to buy the new house. Yeah,
which again is going to give you a bigger base
(26:03):
to build more equity faster.
Speaker 3 (26:04):
Yep.
Speaker 4 (26:05):
A house that you're going to enjoy living in more,
a place that your expanded family can grow up. Or
if your family hasn't materialized, you've got other things that
you can do with that equity. You could still move up, sell,
buy another house, yep. Buy, or you could you could
buy yourself that antique vintage Corvette.
Speaker 1 (26:23):
Go bigger, go home.
Speaker 4 (26:24):
It's your money, that's right, it's your money. But most
people will probably start out with a starter home that's
the smart thing, and then and then buy a move
up home at least once, and probably twice, maybe even
three times.
Speaker 1 (26:37):
Most people that I know, by the time they're you know,
hit forties, fifty sixties retirement age, it's been at least
three homes.
Speaker 4 (26:43):
Yep. Of course, job transfers, oh yeah, not as frequent
as they used to be in the corporate world because
it costs a lot of money to move people around.
But job transfers still happen, they sure do. So you
could the sooner you get started, the sooner you're going
to begin building that well m m yep.
Speaker 1 (26:57):
And it's intimidating, we get it. Every single home owner
out there had that knows exactly what you're talking about,
what you're anticipating, and yeah, it could be a little stressful,
but there is a bliss waiting for you on the
other end of that settlement table that when all a
sudden done and you're going to work hard in the
morning home and the price that you pay for the
place you live is going back to pay you rather
than a landlord. It's going to set you up for
(27:17):
some serious financial happiness down the road.
Speaker 2 (27:19):
It is.
Speaker 4 (27:20):
Indeed, now this is not going to be without some stress.
Speaker 1 (27:22):
Folks, No, no, but that we're Barban Living.
Speaker 4 (27:24):
I do recall that before Christy's mom and I bought
every house that we bought. Yes, there was a sleepless
night or two or three or six.
Speaker 1 (27:32):
Yes, that's healthy, that's normal, that's to be expected.
Speaker 4 (27:34):
But after we got in and saw what was happening
to our network, we calmed down a lot. Buy a
home this spring, don't wait low interest rates. We got
up almost a five percent.
Speaker 1 (27:43):
And yeah we did.
Speaker 4 (27:44):
And everybody I know of who is in the real
estate visitors saying, oh, yeah, we're going up straight from there. Yeah,
five and a half six percent, which would still be
a bargain.
Speaker 2 (27:52):
Oh my gosh.
Speaker 4 (27:53):
Yeah, but guess what happened.
Speaker 1 (27:55):
It went down.
Speaker 4 (27:55):
Guess what happened.
Speaker 1 (27:56):
We still know why that happened.
Speaker 4 (27:57):
Interest rates went down.
Speaker 1 (27:59):
I don't know, No, No, I have yet to hear
any one of the air quotes experts on there, on
any network, on any website, real estate financial otherwise explain
how that happens.
Speaker 4 (28:07):
Yeah, I do know. I do know that the basic
mortgage interest rate somehow pivots off the ten year US
Treasury note interest rate, which now is about two point
one two point two percent. Right, ten year US Treasury note.
That's the money. That's the interest rate that the Treasury
has to pay in order to sell the bonds to
finance the debt, which is way too damn high. But
(28:29):
that's another topic. Oh yeah, If you can sell US
Treasury bonds for two point one percent instead of having
to pay three percent, that says that there's a lot
of confidence in the US economy, the United States as
a country when it came down, because we are the
place where money heads when things get a little bit
shakier on the rest of the world. So the ten
year Treasury note rate is still very, very low, and
(28:50):
that is the basic reason that interest rates are still
as low as they as low as they are.
Speaker 1 (28:54):
Good explanation.
Speaker 4 (28:55):
So if you buy now, you can also get settled
in time for summer. Yes, you can impress your family
and friends with your new house. Okay, you could start
earning that equity now instead of waiting six months or
a year from now. And right now in the spring,
there will be more houses coming on the market every day.
More listings mean more choices, So another good reason for
it doing it now.
Speaker 1 (29:15):
Double edged sword.
Speaker 4 (29:16):
Another comparison that I get asked to make from time
to time is, John, should I buy now or wait
till next year? You know, I'm not sure what's going
to happen to interest rates and prices, and I'm just
not sure. I want to time myself down to a
mortgage and well, let me tell you what's probably gonna happen.
Speaker 1 (29:31):
Okay, what are the big weeks telling us.
Speaker 4 (29:32):
Let me tell you what's probably gonna happen. Now, the
interest rates. Okay, a year from now, it's been.
Speaker 1 (29:36):
Nobody sees it going down again.
Speaker 4 (29:38):
It's nobody sees it going down. Nobody sees it going down.
That's the Freddie Mac projection for a fourth quarter of
ok best projection we could make. So that's about a
half a percent higher.
Speaker 1 (29:47):
Oh that's significant. That's significant.
Speaker 4 (29:49):
That is going to raise your principal and interest payment.
Buy about five percent.
Speaker 1 (29:53):
That's not about five percent. People see small. People see
five percent, They think, oh, well, what you know that
can't possibly make a big difference when you're talking about
the side of a home and a loan. Five percent
that makes a big difference.
Speaker 4 (30:03):
Home price. Now is you're going to buy us two
hundred and fifty thousand dollars projection a year from now
four point eight percent higher next year, that hou is
going to cost you about two ordering and sixty two
thousand dollars. So you put together the higher interest rate,
the higher price, and your mortgage principal and interest payment
instead of being twelve hundred and sixty dollars a month,
are going to be about fourteen hundred dollars a month. Wow.
Speaker 1 (30:23):
Stop as usual, hoppings certainly is they listen.
Speaker 4 (30:25):
Thanks to our listeners for listening, and thank you for
having me. It's my pleasure, and we'll see you again
next week.
Speaker 1 (30:29):
We'll be read back gang right after.
Speaker 2 (30:31):
This not too the best of all.
Speaker 1 (30:42):
And we are back with the Kristen Agopian Show talking
about the best things to go out there and purchase
in the month of April. There are certain items that
are always timely and priced well year round. Sometimes things
peak and they kind of whatever they receive in the
month of April. There's a good handful of things that
you're not going to find at these prices any other
(31:03):
time of year. And I love all the stuff we got.
I'm literally I've got four different stapled out handouts with
several pages each. I'm just now in the midst of
my first packet still and here we are at the
end of the practically end of the show, so we
may end up doing another show next week about great
deals in April. And in the meantime, what I want
to do is hear from you, guys. What have you found,
(31:25):
year in and year out to be your best April purchases.
Is it something for your house, for your car, for
your grandkids, for your spouse, for your kids, whatever it is,
I want to hear it. Let's get it out on
the air. All right, here we go. This one was
good because it involves chocolate, So therefore I have to
make sure we make it a point here clearance Easter
(31:45):
gifts and Easter candy and not because you know you're
not going to save it till next Easter. Good luck
for chocolate lasting that long in my house. But it's delicious,
it's amazing. Now, if you're finding it out in the stores,
chances are excellent that this top notch amazing chocolate's about
seventy five percent off. So if you're in the market
for that kind of stuff, you know, even if you
didn't celebrate Easter, you can still take advantage of these
(32:08):
post holiday clearance offers. So expect to see prices on
all things chocolate and bunny shaped and the marshmallow peeps
and everything else. And even if you're not into the chocolate,
if you want to go out there that the flower stands.
We're out there coast to coast with your Easter flowers.
You can buy. They are giving the moin. And if
we're talking about tulips or something else with a bulb,
(32:29):
you put that in the ground and they are hardy
little buggers. They will spring up year in and year out.
I love that stuff. Now. Of course, I'm not going
out and buying flowers, because that would require work for
me to like dig a hole in the ground and
plant them in there. However, requires much less work for
me to tear open a bag of seventy five percent chocolate.
Seventy five percent off, it's all good. Unfortunately, seventy five
(32:50):
percent off the price does not mean seventy five percent
off the calories. I have tested this theory numerous years,
and I can tell you without hesitation, that's just not
the way it pans out. Whoever, super delicious, it's all good,
fabulous stuff. Okay, we talked again. Here's another mention of
the thrift store furniture, appliances, clothing, fabulous stuff, select produce
(33:11):
same thing. Oh, you know what coming up on the
end of this list. This is perfect for the end
of the show for things to wait on to not
purchase in the month of April unless you absolutely need to.
Here's the list of things, however, and why we should
be holding off in April. Mattresses and certain tools. Memorial
Day coming up, you know, near the end of May
(33:31):
this year, since it's one of the biggest shopping holidays
of the season. You can expect to see better deals
coming up in May on mattresses, some tools, and some
new appliances around that time. That's very interesting. Okay. For example,
April had only a third of the number of mattress
deals that you see in May, because in May for
(33:52):
mattress deals, discounts can peak up to seventy percent off.
Way cool. I like that, all right. Also, something else
to this is something Victor had mentioned as well. This
is very interesting that this comes up in my printouts
here things to wait on for buying stuff laptops. Believe
it or not, we start to see back to school
(34:13):
discounts as early as June and July, much to the
horror of the kids. But it's just simple fact, which
means that April may not be the best time to
splurge on a new laptop. Now. However, if your current
computer or laptop is you know, in flames, or there's
smoke billowing out of it, or it's simply completely unusable,
of course you have to go and shop for one. Now. However,
(34:35):
if you're you know, in the market for one for
a kid going off to college, or maybe one that
needs one for their room, or maybe you need one,
a parent needs one, whatever it is, if you hold
off for a few weeks, you could save anywhere between
forty and up to one hundred bucks on these low
cost touchscreen builds, while the cost of gaming laptops they're
saying could drop by an extra ten percent. That was
(34:57):
very interesting to me. I heard that before, and I'm
glad we caught that on the air. All right, next
page here, I want to get these in here gardening tools. Now, see,
this is another one that would affect my husband more
than me, because I understand that outside in gardens is
where big bugs are. I've encountered these, and the big
bugs have always had a tremendous chuckle at my expense
when I encounter the big bugs in the garden, so
(35:18):
Victor totally digs the garden literally. However, April is certainly
not a terrible time to shop for gardening tools. You'll see,
you know, some good discounts, but prices are set to
drop even further in May. Very cool. Then you can expect,
you know, say, electric blowers to fall to as low
as you know whatever in your area, and trimmers could
drop by one third to around twenty bucks. That's pretty
(35:40):
cool to me. Oh, the next one, this seems to
be a list of things that Chris would rarely buy anyway,
and you'll you'll understand what I'm saying when I mentioned
the next one. Running shoes apparently is not a great
thing to buy in April, unless, of course, your current
running shoes are completely shot and maybe they got something
on them, or they're totally ripped up and you just
(36:01):
need to have them in April by all means, go
out and get them. However, if you are simply in
the market, simply just thinking about doing the shoes, if
and when it ever thaws out here in the Philadelphia area,
I think that's still up for conversation. That's still up
for debate. But if you have your sneakers out there,
you're doing your gardening and your sneakers while the big
thaw has you know, green thumbed gurus out there mowing
(36:22):
the lawn, April inspires joggers to once again hit the pavement.
It's saying I wouldn't know, but you know whatever, I
like a coodpair of running shoes anyway, Just know that
April sees fewer deals on running shoes than they do
in May. If they say you hold out till May,
when rebox adult shoes could start you in the twenties,
pumas maybe starting in the upper twenties. Apparently, if you
(36:45):
can hold out, May is the perfect time. Just a
short month from now, not even a short month from now,
is going to be the time to go out and
buy your running shoes. Apparently now there's still that little
bit pricier. It's all good. I mean, do it if
you have to, But if you can hold off, by
all means, hold off for a little bit. And I
want to hear back from you guys too. I'm thinking
personally to myself the things I always do in April,
the money saving moves in April. Doesn't have to be
(37:08):
buying things. It can also be moves you make to
save you money. A number one guys clean out those closets.
Do a serious, huge, brag worthy binge of all the
stuff in your house that you know you're not going
to use. Maybe the tools that you haven't used in years,
the clothing that's been residing in hyper sleep that might
not even be still in style. I've got a closet
(37:30):
full of stuff upstairs that I need to go through again.
The kids stuff. If you've got kids or grandkids in
your life and you still have like all of their
clothes they couldn't possibly fit in anymore. Pick out the
sentimental favorites. Of course, I've got bags of those, but
get rid of the rest. It's a tax right off.
It is a space saver, it is a sanity saver,
and I cannot mention it often enough. How if you
(37:52):
haven't done your spring purge yet, get out there and
do it. You will love yourself for it. The spring
cleaning maybe get I gotta get my carpets redone. I'm
gonna have an update for this by next week. I
got to deep clean the carpets because every person I'm
talking to that does this in the springtime. They absolutely
rave about it. I'm literally frightened to deep clean my carpets.
I'm scared. I'm feeling abject fear right now at what
(38:15):
I think I'm gonna find because we're always here in
the house, we're homebodies, and I vacuum constantly. But apparently
other people that do as well, they do their deep clean,
they save tons of money. They no longer need a
new carpet in there. The carpet looks fantastic, save tons,
but it's just scary results after doing that. That's what
I'm gonna do as well. That's the kind of money saving,
money making spring moves I'm talking about. And I want
(38:37):
to hear from you guys as well. And until next week,
save those pennies, pay with cash, and you all stay
frugal out
Speaker 2 (38:42):
There, Small and not too steps
Hey, everybody, Welcome to the Kristin Agophian Show. Shout outs
from everybody here in Studio B as we connect with
our station's coast to coast via the biz Talk Radio Network.
Greetings to you all. This week's show is brought to
you by our caring sponsors at Elite Rehab. Because everybody
knows a family or a friend that is fighting the
effects of today's substance abuse epidemic. It is at every
(00:25):
earning level. We're gonna mention this every week. It's at
every educational level, every city, every town, and if someone
you care about needs help, pick up the phone and
call the professionals at eight hundred nine three two four
zero a two. That's eight hundred nine three two four
zero a two the numbers on our website as well
(00:46):
at Brilliantfrugalliving dot com. Help the ones you love put
that chapter behind them for their sake and for yours.
Eight hundred nine three two four zero a two. Sitting here,
coffee in hand, going again with the krem brew lat
with way too much cream in It's so tank good.
I did put some coconut oil in there, though, I'm
trying to make that a regular thing, still undecided on
(01:09):
the whole pros versus cons whatever. Looking out the studio
windows at another gorgeous city scape. It was raining before.
Anything's better than snow, and it's getting warmer. Praise the Lord.
And today, guys, we're talking two springtime concerns on today's show.
Number one taxes, number two losing weight before summer hits,
(01:32):
and how to do both without breaking the bank. Later
on in the hour, we've got dad and daughter talk
real estate. Half past the hour, we also have two
additional fantastic interviews, one with mel doman senior calm manager
with orbits love that site, with their ideas on how
to use this year's tax return to your highest and
best use. But first, if you're doing some tax calculating
(01:56):
for this year's tax deadlines and you're kind of sort
of maybe freaking out quietly behind the scenes, here are
your top go to far easier than you might think
tips for slashing that tax bill in the future, Sent
to us by nerd Wallet and our fabulous listener, Kyle
Ka tuning in from beautiful Seattle, Washington, in no particular order.
(02:21):
We're going through this year. I want to get through
all of these in the first segment, best ways to
cut your tax bill, And I say best because they're effortless,
they're easy, and they pack a punch. Number one, tweak
your W four. Most of you know what a W
four is. Some of you, guys, you know a little busy,
not really familiar with the tax terms. W four a
form you give to your employer. Instructing it. You are
(02:44):
in charge of this how much tax to withhold from
each paycheck? Now, if you've got a huge tax bill
this year and you don't want another surprise next year,
it's an easy five minute conversation with your HR director,
or you take care of it yourself. You raise your
withholding so you owe far less if anything, next April. Now,
(03:05):
on the opposite, you know, flip of the coin. If
you got a huge refund that you know, yeah, it
feels great, good for you. However, I get a serious
itch between the shoulder blades because you just gave Uncle
Sam your money tax free when you could be using it. So,
if you got a huge refund, do the opposite this year,
reduce your withholding? Okay, Otherwise you are needlessly living on
(03:30):
less of your paycheck all year. Okay, you can change
your w four anytime. All right, talk to your HR director,
go online if you're self employed, talk to your accountant
if you have one, take care of it. I'm telling
you it's it's money in the bank. It's an easier lifestyle.
You don't want to be again owing a huge amount
next year or getting a huge amount back again. Seriously,
(03:50):
Uncle Sam's got plenty of our money. Don't give him
extra unless you know you done need it. Next up,
and this is one of my favorites. I wanted to
make sure this was in our top lineup here. Stash
as much money as you can in your four oh
one K. All right, what does that do? Here's what
that does, less taxable income. When you put as much
(04:10):
as you can into your four to one K, what
you have left is your taxable income. The more money
you put into your four oh one K, the less
you get taxed on, the lower the tax rates. Sometimes
and four to one ks are one of the top
popular effortless ways to reduce your tax bills. The IRS
doesn't tax what you directly divert from your paycheck into
(04:33):
a four oh one K. Here's the cool news. You
can funnel up to nineteen grand per year into an
account that is nineteen grand that you're not going to
be taxed on. That is so pretty. If you're fifty
year older, you can contribute an extra six grand, even prettier.
Can you see me? Can you just hear in my
voice how much I'm smiling right now now. These retirement
(04:55):
accounts are usually, you know this, usually sponsored by employers,
although oh self employed people can open their own four
h one k's. And if your employer, this is so yummy.
If your employer so many of these do. This matches
some or all of your contribution. If you've got an
employer that matches all of your contribution to your four
(05:17):
oh one K and you aren't maxing that out, you
are deserving of you know my angry face. You don't
want the angry face. I'm raising my mug of coffee
to all of you who max out your four oh
one K. If you currently have access to a four
h one K, max it out. That is extra money
for your family, extra money for your bank account down
(05:38):
the road, extra money for your retirement. That's what it's
all about. It's gravy on top of the potatoes. Make
it work. It's free money, basically, especially when your employer
is matching some or part of it. And if you
have an employer who matches air quotes, only five percent
kiss their feet. Man, they don't have to put their
money in there, and they are anyway, make it work.
(05:59):
Next step, if you don't have a four oh one k,
or even if you do contribute to an IRA, this
is another huge tax haven. It is so pretty and
so many people I know do not do this. Okay,
So there's two two major types of individual retirement accounts.
That's what an IRA is for those who aren't familiar.
An IRA is an individual retirement account. There are two types,
(06:22):
wroth irays, which you may have heard about, and traditional irays.
Both are far easier to get into than you might suspect.
You hear these phrases on you know the big financial networks.
Oh it sounds too you know up any whatever? No, no, no, no,
no no. It is there to help you and you
may be able to deduct contributions to a traditional IRA,
although how much you can deduct depends on whether you
(06:45):
or your spouse is covered by a retirement planet work.
Don't let my last ten seconds of dialogue ten seconds
of monologue, I should say distract you or dissuade you
from going after these. These are always to put your
money that you sweat of, that you spend time away
from your family over, that you deserve to have in
your pockets, not the pockets of the government or some
(07:07):
you know whatever. I want it in your pocket. This
is how you get it done. Okay, you may not
be able to deduct your contributions if you're covered by
a retirement plan. Here's where you call an accountant who
lives who gets up in the morning. She or he
gets up in the morning drooling over the possibility of
getting someone like you in the seat and finding out
(07:29):
ways to ring every single bit of tax goodness back
into your bank account with all of their various tricks.
They live for this stuff. Get your hands on an accountant,
see what she or he can do for you. That's
all the risk to it. Next up, I love this
funding your FSA Flexible spending accounts. These are getting more
and more popular. They're never going away, and it's a
(07:50):
fabulous thing. The irs lets you funnel tax free dollars
directly from your paycheck into your FSA every year. So
if your employer offers a flexible spending account. You might
want to take advantage of it to lower your tax bill. Okay.
In twenty eighteen, the limit was twenty six fifty six
hundred fifty bucks. That amount is two seven hundred dollars. Now,
(08:15):
you'll have to use the money during the calendar year
for medical expenses and dental expenses. However, if you have
people in your household, like I've got a beautiful daughter, embraces,
we have the usual doctor's appointments, God forbid, there's any
kind of an emergency knock wood. We haven't had those
going on. But you'll find if you're a typical family,
you're gonna blow through that pretty quickly. Okay, so think
(08:35):
seriously about doing that, especially maybe if you've got a
family member on the way. Trust me, you're gonna blow
right through it. There's just so many ways between, you know,
the guys, don't cringe. I got the I got the
girlogram coming up, I got all my regular stuff going on.
And that's the kind of thing that can take a
bite out of your accounts. I'm telling you right now.
It pays for itself and then some. And when you
(08:57):
do it via an FSA, all right, a flexible spending
account tax free. It's a beautiful thing. We got about
another minute and a half excellent. Next up, rock your HSA.
All of these acronyms meant to make it down more
fancy schmancy difficult than it is. And HSA is a
health savings account. And if you have a high deductible
health care plan, you may be able to lighten your
(09:20):
tax load by contributing to a health savings account. They
are tax deductible. The withdrawals are tax free too, so
long as you use them for qualified medical expenses. And
there's a ton of them out there. Okay for twenty nineteen.
If you have only self only, how do we say
this year? If you have self only high deductible health coverage, okay,
(09:41):
you can contribute up to thirty five hundred bucks. If
you have family high deductible coverage for your health savings,
you can contribute up to seven grand. And again this
surprised me when we talked about this in an earlier show.
I had a lot of families connecting with me saying
that seven grand is a drop in the bucket for
their usual health veenditures over the course of the year,
(10:01):
and HSA is perfect for that kind of thing, absolutely
perfect good stuff. Next up, I got to get this
in saving for college, setting aside money for tuition can
shave some serious bucks off your tax bill. Okay, a
popular option making contributions to a five point twenty nine plan.
It's a savings account operated by a state or an
educational institution. You can't deduct your contributions on your federal
(10:25):
income taxes, but you might be able to on your
state return. You're not just not gonna you know, Uncle
Sam is also about the state taking their chunk as well.
If you're putting money away, that's the kind of thing
I'm talking about. Guys, Stay tuned. More fabulous info on
saving your waistline and your wallet. Right after this.
Speaker 2 (10:43):
Shaping small not to the best of all circumstances, cross.
Speaker 1 (10:57):
Line, and we are back with the Kristin Agopian Show,
and it's you know, we all dread. I'm just coming
out with it. It's the day that most Americans universally
just really dread. And that's tax Day. So whether you're
banking on a refund, God bless you, or preparing to
(11:18):
pay up, says the woman in the mirror, one thing
is certain. The tax season has been stressful. I don't
know about you, but my chocolate intake is at an
all time high. So I was so delighted coming to
our rescue. One company out there is making sure taxpayers
will still get rewarded, joining us via our newsmaker line.
Mel Doman is a senior communication manager with Orbits. I
(11:42):
love that site, and she's joining us to tell us
why we should book a trip on tax Day. Loving it.
I am so in great to be here. Good to
have you, and again, your timing is spectacular And I
don't know about you. I mean I'm connecting with people
coast to coast. We've got the best listeners out there,
and it really seems like this year, or more than most,
tax season is just stressful with a capital stress. It's
(12:04):
really kind of ridiculous, especially considering we have a little
more wiggle room now doesn't seem to matter. We're stressed.
Why do you think that is from your angle? And
what is your company offering to help talk people down
out of their tree and kind of reduce that stress
just a bit?
Speaker 3 (12:18):
Well, you're certainly right, it has been stressful. We did
compolling to really gauge how people are feeling this tax season,
and one and three told us they're more anxious about
this tax season than any other they've been through. So,
you know, people are really feeling the pinch. And I
think it's because, you know, tax reforms went into place
this year, and so it's our first filing season really
(12:40):
dealing with some of these new deductions and withholdings and
just any time you're talking dollars and cents, it seems
like it can be stressful, right, and we're here to help.
I think it's the message here. You know, we said,
what can we do to just make sure that we
help people get ahead of those summer vacation plans. We
don't want taxes to be the reason that you don't
(13:01):
go on an Independence Day trip with your family, or
out to see Disney World or some of those other fun,
great destinations. So here's how it works. When you book
at orbits dot com slash cast day, you are going
to get those taxes and fees that you would normally
pay back in your pocket. So we're going to credit
you all those taxes and fees so you can book
(13:23):
a trip and really save.
Speaker 1 (13:25):
That is fantetic and I'm writing down notes as we're
talking here, and you know what grabs me firsthand. You know,
our studios are here in Philadelphia. You know this. But
I'm thinking of myself, you know, if I make it
to Jersey, I'm patting myself on the back, and I'm
thinking it could be time for me maybe to expand
my travel horizons just a bid, because there are some
destinations where this year's refund could be you know, an
(13:47):
especially significant cash value. Correct.
Speaker 3 (13:50):
Oh, you are definitely correct. So you may not know this,
but airline and hotel taxes and fees can be as
high as fifteen to twenty five percent in certain destinations.
And with this promotion, it's really that rare time where
it pays to look at where those fees and taxes
are the highest, because that's where you're going to get
the best savings and best bang for your buck. So
(14:11):
I've been telling people look at some of those exotic
locations like the British Virgin Islands, for instance, they have
taxes and fees almost at twenty five percent. So that's
what you'll save when you book places like Cayman, Bermuda,
Turks and Caicos. So if you're thinking about going snorkeling
or golfing. Those are great destinations where you can enjoy
(14:33):
it at and really have some peace of mind.
Speaker 1 (14:36):
You know.
Speaker 3 (14:36):
The other places that I'm telling people are right here
at Stateside too. So if you can't get away, you
can't kind of plan that long term vacation, why not
try something like those bucket list cities New York, Chicago,
San Antonio, even Savannah, Georgia. In all those places, you
can save fifteen percent or more when you book on
(14:57):
tax day.
Speaker 1 (14:58):
That is fantastic. You know, we just got back from
San Antonio not too long ago. That place was just gorgeous.
I love it. Good stuff, good cities too. And here's
a question, I'm curious, why did your company Did you
guys just smell the tax panic in the air, and
you're doing your part as a corporate citizen, Why did
your company decide to offer this promotion? This is fantastic.
Speaker 3 (15:16):
Yeah, you know, if people were just feeling so overwhelmed
this season, half of tax payers said they were so
stressed they were just going to take their taxes to
a professional and let them handle it for them. And
you know, one of the things we realized is that
if you are feeling the pinch you are feeling stressed.
Travel maybe one of those first things where you think, oh,
you know, we'll skip the trip this year, or we'll
(15:37):
save that money. But we didn't want to stop people
from planning a trip just because taxes were stressful. You know.
We feel like travel is one of those and most
rewarding experiences that you can have, and we don't want
you to skip your summer vacation just because you had
a bad April.
Speaker 1 (15:54):
No, it's so true. And you know what, you bring
up an interesting point that I want to I want
to round back on people today in these modern times.
It's fantastic we have. We're so shackled to our desks.
We feel like, you know, if we're not focusing on
work every minute you have, that's still that anxiety. We
got to turn things around just a bit where the
good news is you can access work from anywhere. The
bad news is you can access work from anywhere. So
(16:15):
if we could maybe incorporate a little more travel in
there and just expand our horizons a little, get your
traveling foot on, it can be you'll kind of balance
out all the craziness these days. What are your thoughts?
Speaker 3 (16:26):
I one hundred percent agree I think sometimes they may
travel more of a behemoth than it really needs to be.
I'm well, take micro trips. That's a great, great opportunity
where if you only can get away for a day,
book a Friday or a Monday, and spend a weekend
somewhere and just relax a little bit. I think disconnecting
(16:46):
is more important than ever before, and just getting out
there and having real experiences with the people you care about.
Speaker 1 (16:53):
It's true, and I'm just recharging the batteries. Here's the
next thing, and I'm curious on your thoughts on this too.
I've got two beautiful kids. They are fantastic. They just
know how to, you know, roll with any kind of craziness.
I want to teach them that travel is just so
much fun in broadening and doesn't have to be a hassle.
And yet every summer, you know, it flies by. We
do a couple of those, you know, mini trips, one
big trip, but I'd like to introduce to them the
(17:14):
concept of just decompressing and kind of you know, unplugging
a bit and taking one of these trips. It's just
one of the great things about you know, living into
all this great accessibility thanks to Orbits.
Speaker 3 (17:23):
Certainly, you know, I think summer is a great time
to make sure you do plan a getaway. It's that
rare time where the kids are out of school, right
and I think if you can set aside the time
and save money while you do it, there's really no
excuse not to not to really go. And the great
thing about some of these online travel sites like Orbits
is you can book all aspects of your trip, so
(17:45):
you're really in control of what you can do. You
can book activities on these sites now too, so even
you can prepare, prepare, prepare before you go and know
what you're getting into and make sure that you've got
something cheat.
Speaker 1 (17:58):
Up that you're going to like.
Speaker 3 (18:00):
Are also really great for the kids too.
Speaker 1 (18:02):
I love this. Now you're the expert, so I'm going
to pick your brain just a bit here. Because we
talked about the airfare, we talked about the great rates
with regards to tax Day. Throw our listeners a couple
more bones with some other money savers that you might recommend,
you know ones, It doesn't take a lot of time,
a lot of crazy effort. Just really go to moves
(18:22):
for planning a travel trip any time a year without
losing your mind.
Speaker 3 (18:27):
I'm cracking with you. I'm a penny pincher myself, so
I love these money saving tips. I think the first
tip I want to give you is know your booking
window now. This especially applies to flights book three weeks out,
can three weeks out that's roughly when you should be
looking to purchase those flights. My other tip is to
be flexible because if you can leave midweek, Let's say
(18:51):
you can plan a vacation where you leave Tuesday or
Wednesday and come home on a Sunday, that's kind of
a perfect length of time where you're also going to
save on flights as well. So make sure that if
you can be flexible with those dates, do it. It's
worth it. You will save a lot. My final tip
would be booking together. So if you can book a
(19:12):
flight and hotel together, or a hotel and car together,
you're going to save more money because we're able to
unlock some extra savings for you on our back end
and you can save really, you know, twenty thirty forty
percent sometimes when.
Speaker 1 (19:27):
You book together. Outstanding Mel Doman, Senior communications manager with
Orbits you know your travel This was fantastic. You've got
an open mic anytime, the time flu We'd love to
have you back.
Speaker 3 (19:37):
Thank you having travlvol.
Speaker 1 (19:39):
Thanks a million. We'll be right back gang right after this.
Speaker 2 (19:43):
Small not to steal the best of all.
Speaker 1 (19:56):
And we are back with the Christen Agophian Show with
another fabulous episode mode of Dad and Daughter Talk real Estate.
Sitting here joining me as we round out the second
half of the hour, John Harriet aka Dad here with
all the latest info on real estate and why now is,
without a doubt the best time to dip a tone
you're thinking about buying or selling, or renting or flipping.
(20:17):
Here's the guy in the note to tell you exactly
why now is the best time to get the ball
rolling on all of those.
Speaker 4 (20:22):
Welcome pop Yes indeedy John Harriet better known as Dad
here and Dad and Daughter Talk real Estate Keller Williams
real Estate. What I want to talk about here is
to embellrace a little bit more. We talked about last
week and what is the very very best way to
build wealth for yourself, family, your extended family, whether you
are a single person, the best way for you to
(20:42):
begin to build wealth is to buy that first home.
Speaker 3 (20:45):
Yep.
Speaker 4 (20:45):
And now we're going to talk about some of the
reasons why that would be happening. I'm going to give
you just a little bit of history. Okay, Way back
in nineteen sixty nine or seventy your mother and I
bought our first house in Green Bay, Wisconsin. Good because
our landlord had the absolute, unmitigated gall to raise our rent.
Evil landlords raised our rent from one hundred and fifty
(21:08):
dollars a month to one hundred and fifty five.
Speaker 1 (21:10):
How are you supposed to sleep at night with those
kinds of livings?
Speaker 3 (21:13):
That's right.
Speaker 4 (21:15):
So we found ourselves a fixer upper for fifteen thousand,
nine hundred dollars. Pretty cool, and we fixed it up
and we sold it about two years later for like
five thousand dollars more, which was enough to get us
into a nicer suburb yep, in the Peer, Wisconsin home
of Terry M. Musing Miss America of nineteen seventy six
or seventy seven something like that for Google right there, yep.
(21:37):
And then moved to Philadelphia, and the house that we
paid thirty three thousand, nine hundred dollars for in nineteen
seventy two, we sold for sixty seven, nine hundred dollars
in nineteen seventy nine. Amazing, So thirty thousand dollars increasing equity.
Speaker 1 (21:52):
There double the president.
Speaker 4 (21:54):
We moved to Pennsylvania, bought another fixer upper in the
western suburbs of Philly or the OUTLANDIAT sum of eighty
three thousand dollars probably should have sold for about one
hundred and twenty thousand.
Speaker 1 (22:05):
All the other ones in the neighborhood were they were
on the one twenty racket.
Speaker 4 (22:07):
So we did the fix up and we lived there
now for forty years and the house is not probably
worth somewhere north of five hundred and fifty thousand dollars.
Speaker 1 (22:14):
Yem me.
Speaker 4 (22:15):
So those are the kinds of gains that you can
make if you invest in real estate. And now I
know it's kind of difficult to think about what's going
to be happening forty years from now.
Speaker 1 (22:24):
Yeap comes to the number one and ten is not
too old, with absolutely not people doing that every day.
But it's simple fact. What everything you're saying, I boil
it down to the simple one liner. Numbers don't lie.
And when you have had time and time again proven
these theories correct. Where you invest in the market incredibly
(22:44):
wisely with a very keen sense of the fixer ruppers
and the neighborhoods and the school districts. You will launch
yourself regardless of your earning capability right now, regardless of
your current socio economic status, your current job, your current salary.
When you invest in real estate, especially when you do
it wisely going for the fixers in the great school districts,
(23:05):
you are setting yourself up for financial success in a
way that very few people choose to do these days.
And it's to their detriment.
Speaker 4 (23:12):
It certainly is it certainly is so the safest, most
lucrative investments you can probably make. YEP, is buying that.
Speaker 1 (23:19):
House very appealing buying that house.
Speaker 4 (23:20):
And to do it now. You really shouldn't be trying
to do this on your own. You need a good realtor.
And those of you who are outside of Pennsylvania and Delaware,
which are the two places of RIND licensed to practice
really state, I can certainly help you find a good realtor.
And here's how you can find out. My recommendation. If
you dial up that Dad and Daughter Talk real Estate hotline.
Speaker 1 (23:40):
At absolutely guys call her text anytime four eight four
five seven four four zero eight eight.
Speaker 4 (23:47):
Once again that's four eight four five seven four four
zero eight eight and just leave a message or leave
a voicemail. Text works too, and say, Hey, John, like
to talk to you about needing a realtor and Hattiesburg,
Mississippi or whatever, and I'll be glad that do some
research and the local realtors and be glad to get
back to you with a recommendation. Doesn't mean you have
to use the person that I recommend, but you can
(24:08):
be certain that I will have done some research. It
will probably be a Keller Williams agent, because that's where
I'm going to start. And I do believe that we
have the best training program and the best mentorship program
of any real estate company in the country, in the world,
absolutely in the world, and that's been recognized time and
time again that we are probably the best training company
in the world, not just in the real estate business.
(24:30):
So it doesn't mean you have to use him or her.
And then you would say, well, John, what do you
get out of recommending or a realtor in Hattiesburg, Mississippi.
Will If you choose to use this person, I do
get a referral fee. That's the normal way that completely charitable.
If I didn't get a referral fee, I would still
do the recommendation.
Speaker 1 (24:48):
You are certainly steering people towards all the right people
to go to further information for their expertise later on.
So I think it's a win win for everybody.
Speaker 4 (24:56):
So let's talk again about some numbers that we touched
on briefly in the asked yes that if you buy
a house right now for two hundred and fifty thousand dollars, okay,
and if the projections for rates of increase come true
over the next five years, that two hundred and fifty
thousand dollars house is going to be worth somewhere north
of two hundred and ninety thousand dollars in five years.
Speaker 1 (25:16):
Just a few years. It's not like because again people know,
even the most busy person knows about real estate. Oh yeah,
your net worth will increase, I'm sure of that. When
you ask moup a pen to paper and say, well,
how much do you think a two hundred and fifty
thousand dollars house is going to be worth in five years,
they probably say, oh, maybe two fifty five to sixty whatever,
it's going to go up. When you tell them it's
actually closer to three hundred thousand dollars of net worth.
(25:38):
That's the jaw dropping thing that really, it's the wheels
turning and saying, maybe it's time to get your tone
in the market. Yep.
Speaker 4 (25:42):
And just say you're a young couple starting out, no children, right,
maybe both of you are working, and you buy this
house for a two to fifty five years. Maybe there's
a child or two that's arrived. Oh, sure, so you
need a bigger house. You've got forty thousand dollars plus
of equity. You can use that to buy the new house. Yeah,
which again is going to give you a bigger base
(26:03):
to build more equity faster.
Speaker 3 (26:04):
Yep.
Speaker 4 (26:05):
A house that you're going to enjoy living in more,
a place that your expanded family can grow up. Or
if your family hasn't materialized, you've got other things that
you can do with that equity. You could still move up, sell,
buy another house, yep. Buy, or you could you could
buy yourself that antique vintage Corvette.
Speaker 1 (26:23):
Go bigger, go home.
Speaker 4 (26:24):
It's your money, that's right, it's your money. But most
people will probably start out with a starter home that's
the smart thing, and then and then buy a move
up home at least once, and probably twice, maybe even
three times.
Speaker 1 (26:37):
Most people that I know, by the time they're you know,
hit forties, fifty sixties retirement age, it's been at least
three homes.
Speaker 4 (26:43):
Yep. Of course, job transfers, oh yeah, not as frequent
as they used to be in the corporate world because
it costs a lot of money to move people around.
But job transfers still happen, they sure do. So you
could the sooner you get started, the sooner you're going
to begin building that well m m yep.
Speaker 1 (26:57):
And it's intimidating, we get it. Every single home owner
out there had that knows exactly what you're talking about,
what you're anticipating, and yeah, it could be a little stressful,
but there is a bliss waiting for you on the
other end of that settlement table that when all a
sudden done and you're going to work hard in the
morning home and the price that you pay for the
place you live is going back to pay you rather
than a landlord. It's going to set you up for
(27:17):
some serious financial happiness down the road.
Speaker 2 (27:19):
It is.
Speaker 4 (27:20):
Indeed, now this is not going to be without some stress.
Speaker 1 (27:22):
Folks, No, no, but that we're Barban Living.
Speaker 4 (27:24):
I do recall that before Christy's mom and I bought
every house that we bought. Yes, there was a sleepless
night or two or three or six.
Speaker 1 (27:32):
Yes, that's healthy, that's normal, that's to be expected.
Speaker 4 (27:34):
But after we got in and saw what was happening
to our network, we calmed down a lot. Buy a
home this spring, don't wait low interest rates. We got
up almost a five percent.
Speaker 1 (27:43):
And yeah we did.
Speaker 4 (27:44):
And everybody I know of who is in the real
estate visitors saying, oh, yeah, we're going up straight from there. Yeah,
five and a half six percent, which would still be
a bargain.
Speaker 2 (27:52):
Oh my gosh.
Speaker 4 (27:53):
Yeah, but guess what happened.
Speaker 1 (27:55):
It went down.
Speaker 4 (27:55):
Guess what happened.
Speaker 1 (27:56):
We still know why that happened.
Speaker 4 (27:57):
Interest rates went down.
Speaker 1 (27:59):
I don't know, No, No, I have yet to hear
any one of the air quotes experts on there, on
any network, on any website, real estate financial otherwise explain
how that happens.
Speaker 4 (28:07):
Yeah, I do know. I do know that the basic
mortgage interest rate somehow pivots off the ten year US
Treasury note interest rate, which now is about two point
one two point two percent. Right, ten year US Treasury note.
That's the money. That's the interest rate that the Treasury
has to pay in order to sell the bonds to
finance the debt, which is way too damn high. But
(28:29):
that's another topic. Oh yeah, If you can sell US
Treasury bonds for two point one percent instead of having
to pay three percent, that says that there's a lot
of confidence in the US economy, the United States as
a country when it came down, because we are the
place where money heads when things get a little bit
shakier on the rest of the world. So the ten
year Treasury note rate is still very, very low, and
(28:50):
that is the basic reason that interest rates are still
as low as they as low as they are.
Speaker 1 (28:54):
Good explanation.
Speaker 4 (28:55):
So if you buy now, you can also get settled
in time for summer. Yes, you can impress your family
and friends with your new house. Okay, you could start
earning that equity now instead of waiting six months or
a year from now. And right now in the spring,
there will be more houses coming on the market every day.
More listings mean more choices, So another good reason for
it doing it now.
Speaker 1 (29:15):
Double edged sword.
Speaker 4 (29:16):
Another comparison that I get asked to make from time
to time is, John, should I buy now or wait
till next year? You know, I'm not sure what's going
to happen to interest rates and prices, and I'm just
not sure. I want to time myself down to a
mortgage and well, let me tell you what's probably gonna happen.
Speaker 1 (29:31):
Okay, what are the big weeks telling us.
Speaker 4 (29:32):
Let me tell you what's probably gonna happen. Now, the
interest rates. Okay, a year from now, it's been.
Speaker 1 (29:36):
Nobody sees it going down again.
Speaker 4 (29:38):
It's nobody sees it going down. Nobody sees it going down.
That's the Freddie Mac projection for a fourth quarter of
ok best projection we could make. So that's about a
half a percent higher.
Speaker 1 (29:47):
Oh that's significant. That's significant.
Speaker 4 (29:49):
That is going to raise your principal and interest payment.
Buy about five percent.
Speaker 1 (29:53):
That's not about five percent. People see small. People see
five percent, They think, oh, well, what you know that
can't possibly make a big difference when you're talking about
the side of a home and a loan. Five percent
that makes a big difference.
Speaker 4 (30:03):
Home price. Now is you're going to buy us two
hundred and fifty thousand dollars projection a year from now
four point eight percent higher next year, that hou is
going to cost you about two ordering and sixty two
thousand dollars. So you put together the higher interest rate,
the higher price, and your mortgage principal and interest payment
instead of being twelve hundred and sixty dollars a month,
are going to be about fourteen hundred dollars a month. Wow.
Speaker 1 (30:23):
Stop as usual, hoppings certainly is they listen.
Speaker 4 (30:25):
Thanks to our listeners for listening, and thank you for
having me. It's my pleasure, and we'll see you again
next week.
Speaker 1 (30:29):
We'll be read back gang right after.
Speaker 2 (30:31):
This not too the best of all.
Speaker 1 (30:42):
And we are back with the Kristen Agopian Show talking
about the best things to go out there and purchase
in the month of April. There are certain items that
are always timely and priced well year round. Sometimes things
peak and they kind of whatever they receive in the
month of April. There's a good handful of things that
you're not going to find at these prices any other
(31:03):
time of year. And I love all the stuff we got.
I'm literally I've got four different stapled out handouts with
several pages each. I'm just now in the midst of
my first packet still and here we are at the
end of the practically end of the show, so we
may end up doing another show next week about great
deals in April. And in the meantime, what I want
to do is hear from you, guys. What have you found,
(31:25):
year in and year out to be your best April purchases.
Is it something for your house, for your car, for
your grandkids, for your spouse, for your kids, whatever it is,
I want to hear it. Let's get it out on
the air. All right, here we go. This one was
good because it involves chocolate, So therefore I have to
make sure we make it a point here clearance Easter
(31:45):
gifts and Easter candy and not because you know you're
not going to save it till next Easter. Good luck
for chocolate lasting that long in my house. But it's delicious,
it's amazing. Now, if you're finding it out in the stores,
chances are excellent that this top notch amazing chocolate's about
seventy five percent off. So if you're in the market
for that kind of stuff, you know, even if you
didn't celebrate Easter, you can still take advantage of these
(32:08):
post holiday clearance offers. So expect to see prices on
all things chocolate and bunny shaped and the marshmallow peeps
and everything else. And even if you're not into the chocolate,
if you want to go out there that the flower stands.
We're out there coast to coast with your Easter flowers.
You can buy. They are giving the moin. And if
we're talking about tulips or something else with a bulb,
(32:29):
you put that in the ground and they are hardy
little buggers. They will spring up year in and year out.
I love that stuff. Now. Of course, I'm not going
out and buying flowers, because that would require work for
me to like dig a hole in the ground and
plant them in there. However, requires much less work for
me to tear open a bag of seventy five percent chocolate.
Seventy five percent off, it's all good. Unfortunately, seventy five
(32:50):
percent off the price does not mean seventy five percent
off the calories. I have tested this theory numerous years,
and I can tell you without hesitation, that's just not
the way it pans out. Whoever, super delicious, it's all good,
fabulous stuff. Okay, we talked again. Here's another mention of
the thrift store furniture, appliances, clothing, fabulous stuff, select produce
(33:11):
same thing. Oh, you know what coming up on the
end of this list. This is perfect for the end
of the show for things to wait on to not
purchase in the month of April unless you absolutely need to.
Here's the list of things, however, and why we should
be holding off in April. Mattresses and certain tools. Memorial
Day coming up, you know, near the end of May
(33:31):
this year, since it's one of the biggest shopping holidays
of the season. You can expect to see better deals
coming up in May on mattresses, some tools, and some
new appliances around that time. That's very interesting. Okay. For example,
April had only a third of the number of mattress
deals that you see in May, because in May for
(33:52):
mattress deals, discounts can peak up to seventy percent off.
Way cool. I like that, all right. Also, something else
to this is something Victor had mentioned as well. This
is very interesting that this comes up in my printouts
here things to wait on for buying stuff laptops. Believe
it or not, we start to see back to school
(34:13):
discounts as early as June and July, much to the
horror of the kids. But it's just simple fact, which
means that April may not be the best time to
splurge on a new laptop. Now. However, if your current
computer or laptop is you know, in flames, or there's
smoke billowing out of it, or it's simply completely unusable,
of course you have to go and shop for one. Now. However,
(34:35):
if you're you know, in the market for one for
a kid going off to college, or maybe one that
needs one for their room, or maybe you need one,
a parent needs one, whatever it is, if you hold
off for a few weeks, you could save anywhere between
forty and up to one hundred bucks on these low
cost touchscreen builds, while the cost of gaming laptops they're
saying could drop by an extra ten percent. That was
(34:57):
very interesting to me. I heard that before, and I'm
glad we caught that on the air. All right, next
page here, I want to get these in here gardening tools. Now, see,
this is another one that would affect my husband more
than me, because I understand that outside in gardens is
where big bugs are. I've encountered these, and the big
bugs have always had a tremendous chuckle at my expense
when I encounter the big bugs in the garden, so
(35:18):
Victor totally digs the garden literally. However, April is certainly
not a terrible time to shop for gardening tools. You'll see,
you know, some good discounts, but prices are set to
drop even further in May. Very cool. Then you can expect,
you know, say, electric blowers to fall to as low
as you know whatever in your area, and trimmers could
drop by one third to around twenty bucks. That's pretty
(35:40):
cool to me. Oh, the next one, this seems to
be a list of things that Chris would rarely buy anyway,
and you'll you'll understand what I'm saying when I mentioned
the next one. Running shoes apparently is not a great
thing to buy in April, unless, of course, your current
running shoes are completely shot and maybe they got something
on them, or they're totally ripped up and you just
(36:01):
need to have them in April by all means, go
out and get them. However, if you are simply in
the market, simply just thinking about doing the shoes, if
and when it ever thaws out here in the Philadelphia area,
I think that's still up for conversation. That's still up
for debate. But if you have your sneakers out there,
you're doing your gardening and your sneakers while the big
thaw has you know, green thumbed gurus out there mowing
(36:22):
the lawn, April inspires joggers to once again hit the pavement.
It's saying I wouldn't know, but you know whatever, I
like a coodpair of running shoes anyway, Just know that
April sees fewer deals on running shoes than they do
in May. If they say you hold out till May,
when rebox adult shoes could start you in the twenties,
pumas maybe starting in the upper twenties. Apparently, if you
(36:45):
can hold out, May is the perfect time. Just a
short month from now, not even a short month from now,
is going to be the time to go out and
buy your running shoes. Apparently now there's still that little
bit pricier. It's all good. I mean, do it if
you have to, But if you can hold off, by
all means, hold off for a little bit. And I
want to hear back from you guys too. I'm thinking
personally to myself the things I always do in April,
the money saving moves in April. Doesn't have to be
(37:08):
buying things. It can also be moves you make to
save you money. A number one guys clean out those closets.
Do a serious, huge, brag worthy binge of all the
stuff in your house that you know you're not going
to use. Maybe the tools that you haven't used in years,
the clothing that's been residing in hyper sleep that might
not even be still in style. I've got a closet
(37:30):
full of stuff upstairs that I need to go through again.
The kids stuff. If you've got kids or grandkids in
your life and you still have like all of their
clothes they couldn't possibly fit in anymore. Pick out the
sentimental favorites. Of course, I've got bags of those, but
get rid of the rest. It's a tax right off.
It is a space saver, it is a sanity saver,
and I cannot mention it often enough. How if you
(37:52):
haven't done your spring purge yet, get out there and
do it. You will love yourself for it. The spring
cleaning maybe get I gotta get my carpets redone. I'm
gonna have an update for this by next week. I
got to deep clean the carpets because every person I'm
talking to that does this in the springtime. They absolutely
rave about it. I'm literally frightened to deep clean my carpets.
I'm scared. I'm feeling abject fear right now at what
(38:15):
I think I'm gonna find because we're always here in
the house, we're homebodies, and I vacuum constantly. But apparently
other people that do as well, they do their deep clean,
they save tons of money. They no longer need a
new carpet in there. The carpet looks fantastic, save tons,
but it's just scary results after doing that. That's what
I'm gonna do as well. That's the kind of money saving,
money making spring moves I'm talking about. And I want
(38:37):
to hear from you guys as well. And until next week,
save those pennies, pay with cash, and you all stay
frugal out
Speaker 2 (38:42):
There, Small and not too steps
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