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I Don’t Have Health Insurance. Do I Still Owe a Penalty?

The historic 2017 tax reform bill contained a significant tax break for people who don’t have health insurance coverage in 2019.  The bottom line...
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Am I Having Enough Taxes Withheld from My Paycheck?

We are past the half-way mark for 2019.  As many tax filers found out there were both positive and negative surprises with the filing...
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How to Prepare to Finance a home/ Check Credit / Questions to Ask a...

Buyers preparing to finance a home, must have a secure income.  They should begin increasing their credit score at least one year in advance. ...
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How to Prepare for House Hunting/Buying a Home

By: Michele Smothers When preparing to buy a home, buyers should reach out to a lender prior to house hunting to discuss the type of...
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How to Improve Odds of an Offer/Preparing and Reviewing Offers

    A seller can improve the odds of getting an offer on their home by pricing their home properly, based on comparability. HL Raymond Properties...
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STAGING YOUR HOME TO SELL

We advise our sellers to plan ahead by walking through each room and critique as if you were a potential buyer. Get a home...
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How do I find a good realtor and why do I need one?

By: Holly Lemoine-Raymond – Owner/Broker HL Raymond Properties The top reasons to use an agent when selling your home are knowledge and experience. An experienced...
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Make Sure Your Money Goes to a Good Place

As we approach the upcoming holiday season you can expect to start receiving solicitations from charitable organizations. I often get questions as to how...
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More Ways Than One To Repair Cavities

As you’ve told in the past, the only way to repair a cavity would be to have it filled at the dentist, which cost...
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Alimony

Alimony is set to undergo a fundamental change beginning January 1, 2019. Currently, alimony payments are deductible from the payor’s federal income taxes and...