How Soon Can I Get My Tax Refund? 5 Things to Know

(TNS)—Got your 2017 tax return filed yet?

OK, you still have some time. But here’s a reminder that the tax season just kicked off Jan. 29, as the Internal Revenue Service began accepting returns.

The deadline this year is April 17.

Many tax software companies and tax professionals began accepting returns a few weeks ago and will now submit those returns as the IRS systems open.

Here are five things you need to know early in the tax season:

  1. How soon can I get my tax refund?
    Under the law, the IRS cannot issue refunds before mid-February for returns claiming the Earned Income Tax Credit and the Additional Child Tax Credit. The earliest those related refunds could show up in bank accounts or on debit cards could be Feb. 27.

Still, tax experts say if you have the paperwork to file early in the season, don’t wait.

The IRS issues most refunds in less than 21 days, although some require additional time.

  1. What is the Earned Income Tax Credit?
    Many lower income people still don’t realize they’re missing out on a big bonus check during tax season if they ignore the Earned Income Tax Credit.

The earned income tax credit is designed to help low to moderate working households.

For 2017 tax returns, the maximum adjusted gross income limit for claiming the Earned Income Tax Credit is $48,340 if you’re single and have three or more qualifying children to claim and $53,930 for a married couple filing jointly.

The limits are lower for those with fewer or no children. For those with no children, for example, the income limit drops to $15,010 for single, head of household and surviving spouse filers and $20,600 for married filing jointly.

The corresponding maximum tax credits range from $510 with no qualifying children to $6,318 with three or more qualifying children.

Another EITC tip: Be sure you have all your Forms W-2, W-2G, 1099 MISC, and all other income records, even if not reported on a form, before your file your return. And, you need to report all income you earn from running or owning a business or farm and deduct all allowable expenses.

  1. Where can you find free tax help?
    Tax filers who have incomes below $66,000 are eligible for “Free File” software via www.irs.gov. The IRS estimates that about 70 percent of the nation’s taxpayers are eligible for IRS Free File.
  1. What’s everybody going to do with those tax refunds?
    Many taxpayers, including millennials, are most likely to say they’ll save the money or pay off debts, such as student loans or credit cards, according to a poll by TaxSlayer.

But some acknowledge that they will splurge, too.

Roughly one in eight taxpayers say they’re going to treat themselves to a big gift, like electronics or jewelry. Roughly one in eight say they’re going to use that refund money toward going on vacation or out to dinner, according to the TaxSlayer poll.

  1. Where is your refund?
    The “Where’s My Refund?” tool at the www.irs.gov and the IRS2Go phone app are updated regularly with projected refund dates.

To check your refund status, you need your Social Security number or individual taxpayer identification number, your filing status and the exact amount of your expected refund.

©2018 Detroit Free Press
Visit the Detroit Free Press at
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Buyers Entering the Market Solo Struggle

Zillow_Down_Payment

Accumulating a down payment is a struggle—and even more so for singles, according to a new report.

Singles are facing more than 10 years of saving, assuming they make a 20 percent down payment on a median-priced property, an analysis by Zillow reveals. Conversely, couples can do it in half the time: 4.6 years.

In addition, buyers have limited options when solo: 45 percent of inventory, compared to couples, who can afford 82 percent of supply.

“Nearly two-thirds of Americans agree that buying a home is a central part of living the American Dream, but for unmarried or un-partnered Americans, that dream is increasingly out of reach,” says Aaron Terrazas, senior economist at Zillow. “Single buyers typically have more limited budgets, which means they are likely competing for lower-priced homes that are in high demand. Having two incomes allows buyers to compete in higher-priced tiers where competition is not as stiff.”

The challenge is intensified in markets with rising values, the report shows. Couples face 14 years of saving in San Jose, Calif.—already a haul—but for singles, that span stretches over 30 years. In San Francisco, Calif., couples can amass enough for 20 percent down in 12.6 years, but singles have a longer road, at 27.8 years.

A handful of markets are more realistic for singles: Indianapolis, Ind. (7.5 years of saving); Cleveland, Ohio, and Detroit, Mich. (8 years); and St. Louis, Mo., and Pittsburgh, Pa. (8.1 years).

Across the largest metros:

Analysts assumed buyers are portioning off 10 percent of their income each year to savings. According to 2016 Census data, annual earnings were a median $80,800 for couples and $34,500 for singles.

For more information, please visit www.zillow.com.

Suzanne De Vita is RISMedia’s online news editor. Email her your real estate news ideas at sdevita@rismedia.com. For the latest real estate news and trends, bookmark RISMedia.com.

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It Takes 11 Years for a Single Homebuyer to Save for a Down Payment

Saving for a down payment on the median U.S home takes six years longer for a single person than a couple, according to a new Zillow analysis. Continue Reading →

Amazon Closes In: What HQ2 Means for Housing in the Top 20

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Amazon is a step closer to finalizing its HQ2 plans, having narrowed its sights on the top 20 contenders after receiving over 230 proposals from across North America. While the winning city could be any one of the short-list nominees, Amazon has made one thing clear: It is looking to build HQ2 away from the West Coast, which currently houses its principal headquarters in Seattle, Wash. Although Los Angeles is still in the realm of possibility after making Amazon’s top 20 list, most of the other locations are closer to the East Coast, with a few others scattered across the country.

Here are the cities Amazon is zoning in on:

  • Toronto, Canada
  • Columbus, Ohio
  • Indianapolis, Ind.
  • Chicago, Ill.
  • Denver, Colo.
  • Nashville, Tenn.
  • Los Angeles, Calif.
  • Dallas, Texas
  • Austin, Texas
  • Boston, Mass.
  • New York City, N.Y.
  • Newark, N.J.
  • Pittsburgh, Pa.
  • Philadelphia, Pa.
  • Montgomery County, Md.
  • Washington, D.C.
  • Raleigh, N.C.
  • Northern Virginia, Va.
  • Atlanta, Ga.
  • Miami, Fla.

“Amazon will bring thousands of high-paying jobs to one of these cities and will boost overall local economic growth—all of those highly-skilled engineers will need doctors, real estate agents, barbers, babysitters and baristas, too,” said Aaron Terrazas, senior economist at Zillow, in response to the top 20.

With new job opportunities, the chosen city can expect a surge in relocations or commuters from those seeking employment.

“We would pull from other big cities like Cleveland and Cincinnati and even outside of the state,” says Lee Ritchie, REALTOR® and team leader of the Ritchie Realty Group at RE/MAX Metro Plus in Columbus, Ohio. “We are already pulling in people from outside of the community.”

Daniel Evenchen, REALTOR® with the Mike McCann Team, Berkshire Hathaway HomeServices Fox & Roach REALTORS®, believes Philadelphia’s prime location nearby other massive metro areas is one of the biggest reasons Amazon has short-listed it.

“Of a location perspective, we’re very close to Baltimore, Washington D.C. and New York, but, comparatively, we have a lot of room for growth,” says Evenchen.

If Amazon attracts more individuals willing to relocate rather than commute, the winning location will need to prepare for an influx of incoming buyers and renters. The top 20 cities are already making plans for the possibility of HQ2.

“It is affecting the decisions of buyers and sellers right now,” Evenchen says. “I have a lot of clients who are thinking of selling and brought up Amazon. They are kind of holding off on selling and are thinking of renting their homes instead so that the value of their home appreciates if Amazon comes through. Buyers are thinking this is a great time to buy, as well.”

However, adapting to a flood of new buyers will not be easy. Many of the top 20 cities are currently dealing with tight inventory, a problem that will only be exacerbated if Amazon moves in. The proof is in Seattle.

“…Accommodating growth on this scale will be a challenge for any city,” Terrazas said. “As Amazon grew from a startup bookstore into the nation’s dominant retailer, Seattle grew alongside it—which caused some growing pains. Seattle home values have almost doubled and rents have increased by half, straining affordability.”

Evenchen foresees a challenge in the new construction market. Since the rental market in Philadelphia is moving quickly, any incoming buyers who are looking for new housing may be met with few options.

“The Philadelphia real estate market is probably going to experience a very sharp increase,” says Evenchen. “Right now, the market is extremely soft. We are seeing tenants and renters really negotiating in a tough market. At this point, vacant land is extremely difficult to come by. It’s highly sought-after. [Amazon] would probably just reinforce what’s been going on.”

Ritchie believes Columbus will face similar challenges.

“Our struggle would be that we wouldn’t have enough inventory,” Ritchie says. “We need builders to construct more houses, and prices on existing homes would go up for sure. The Downtown Columbus market—the urban market—is very hot, and a lot of people want to work here. There will be plenty of rentals, but, at this juncture, we may have difficulty in this market.”

Regardless of challenges, these cities made Amazon’s top 20 list for a reason. Ritchie believes Columbus caught Amazon’s eye because of its ability to attract millennials, and its talented workforce, moderate housing costs and standard of living. Terrazas agrees.

“Columbus may be a surprise to some, but it has long featured a dynamic combination of size, affordability, access to higher education and room to grow,” said Terrazas, stating that the top 20 list is made up of well-established cities.

“Boston is home to some of the nation’s most prestigious universities, and clearly fits Amazon’s requirement for ready access to top-tier tech talent,” Terrazas said. “Austin has been among the nation’s hottest markets for several years now, and is also home to Whole Foods, which Amazon recently acquired. Atlanta and Pittsburgh have the benefit of being incredibly affordable markets, with some of the lowest median home values and rents among the top 20 list. Amazon clearly has a tough job choosing between these 20 unique communities, and it will be interesting to see how things shake out in the coming months.”

As for Philadelphia, Evenchen believes the location’s potential is in its diversity.

“It’s very much a big little town,” Evenchen says. “It’s a city of neighborhoods. It’s extremely walkable and bike-able. Our public transportation is pretty robust and there has been a great deal of investment in parks and recreation. They just dedicated $90 million to connect the Delaware River to the hub, making it a little more accessible to the waterfront.”

Meanwhile, other cities, such as Los Angeles, are already dealing with more severe challenges.

“With very dense buildings, there are only a few places in Los Angeles where there are walkable areas,” says Natalya Shcherbatyuk, broker/owner of Flat Rate Real Estate. “At the same time, traveling around the city by car is a nightmare. The streets and freeways are overloaded all day, and not only during rush hour.”

However, with every challenge comes an opportunity. Shcherbatyuk believes one of the city’s biggest obstacles may turn out to be an advantage.

“Right now there is a construction boom in L.A.,” Shcherbatyuk says. “There is an acute shortage of housing for rent [at an affordable price] and the expensive apartments are empty, so maybe it will not be necessary to build a lot of new housing for high-salaried Amazon employees.”

Over 85 percent of the cities that submitted proposals didn’t make the cut, and many feel Amazon is losing out on their location’s advantages.

“Obviously, we are all disappointed Amazon did not name Detroit as one of the 20 cities they will be further evaluating for their new ‘HQ2,’” said Dan Gilbert, founder and chairman of Quicken Loans, in response to the top 20. “We are not deterred in any way, shape or form. Detroit is the most exciting city in the country right now, and the momentum continues to build every single day.”

Cities that were not chosen should not discount the possibility of other major tech giants making their way over. With the new tax bill in place, various companies have announced they are putting their tax cuts to good use.

“We have no doubt our best days are ahead of us,” Gilbert said of Detroit. “There are numerous large and small deals you will continue to see develop into reality in the months and years ahead.”

Apple, for example, announced its plans to build a new major campus stateside; however, the New York Times reports that Tim Cook, the company’s CEO, will not be following in Amazon’s footsteps, and instead using a different strategy to find Apple’s ideal location, rather than relying on a public bidding process.

Regardless of how these companies decide on new ventures, the winning cities can expect a bustling local economy that creates new jobs and a busy real estate market.

“It would be good for everyone,” Ritchie says. “For jobs, for new inventory, and, of course, for sellers whose home values would increase.”

Liz Dominguez is RISMedia’s associate content editor. Email her your real estate news ideas at ldominguez@rismedia.com. For the latest real estate news and trends, bookmark RISMedia.com.

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All You Need to Know About Garage Security

According to SafeBee.com, recent reports and social media posts are advising homeowners to use a zip tie to secure their door release mechanisms on the emergency latch present on automatic garage door openers. Although the advice is meant to help reduce burglaries, SafeBee.com says the practice can put homeowners in danger.

Using a zip tie to “lock” this mechanism basically removes this safety feature from the door operator system, putting homeowners and others at risk, as the safety function may not work when needed.

Although reports recommend the addition of the zip tie to avoid garage break-ins, those reports leave out the important safety function that may be disabled by doing so.

To enhance the security of your home while helping to ensure the safe operation of your garage door, SafeBee.com shares these tips from UL and the Door and Access Systems Manufacturer’s Association (DASMA):

  • Never interfere with or defeat the manual emergency release mechanism on your garage door operator.
  • Check with your garage door opener dealer or retailer to see what other safety or security features are available for your particular opener or door model.
  • Consider adding an automatic lock, if available, for your opener.
  • Always lock the entry door between the garage and your house, and any other door or windows that may be in your garage.
  • Consider arming your home or premises with a security system.
  • Do not leave valuables, such as bicycles, tools and equipment, visible from an open garage.
  • Do not leave the garage door transmitter visible in your car, and keep car doors locked if a transmitter is inside the car.
  • For garage doors with windows, use a frosted glass coating, if possible.
  • Finally, if your garage door operator has this feature, enable “vacation mode” when leaving home for an extended period of time, which locks out remote controls from activating the door.

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Ask the Expert: What Can Sellers Do to Prepare for a Home Inspection?

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Today’s Ask the Expert column features Buddy Stark, director of Operations for HomeTeam Inspection Service.

Q: What can sellers do to prepare for a home inspection?

A: Completing these quick and easy tasks before beginning the selling process will help reduce stress and save your clients valuable time during the home-selling process.

Clean the House
An important part of selling a home is keeping it clean in anticipation of a showing. Cleaning the home will convey that it’s been well cared for and that the house is less susceptible to any issues caused by neglect.

Check All Windows
Have your client take a quick inventory of the windows to make sure they’re in good working order. Replace windows that are cracked or broken before the inspection to save time during the selling process.

Finish the Honey-Do List
Some areas of the home, although not typically thought of as areas that would affect a home’s appeal, may be displayed as safety concerns on a home inspection report. Your client can help themselves by replacing burnt-out lightbulbs, testing smoke detectors, replacing air filters and unclogging drains. These little things are easy to forget in day-to-day life, but taking care of them is a relatively easy task that will help potential buyers focus on the important systems of the home.

Check All Outlets
A sampling of electrical outlets will be tested as part of the home inspection to make sure they’re in good working order. Encourage your clients to take note of which outlets are not functioning in the home and replace them. Or, they may want to consider hiring an electrician to make sure both outlets and the electrical box are updated and in proper working condition.

Clear Areas for Easy Access
Home inspectors will be looking at the major parts of the home, including the foundation, HVAC systems, electrical systems, plumbing and even the water heater. Making sure home inspectors can easily access these areas, including the basement and attic, will save time during the inspection process.

Consider a Pre-Listing Inspection
Hiring experienced and professional home inspectors can save a lot of headaches during the selling process. They will thoroughly go through the home and notify clients of any potential issues ahead of listing the property.

For more information, please visit www.hometeam.com.

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Home Laundry: To Vent or Not to Vent

I once believed it was a forgone conclusion that when adding certain laundry appliances to a home, it would mean installing exhaust ducting and cutting a hole to the outside for venting.

However, a recent report from Michele Weaver at Design Basics, LLC highlighted a growing trend in ventless dryers that can be easily located and relocated within a home because vent piping, exhaust holes and venting to the outside are not needed.

The mechanics of a home dryer can cause energy and safety problems if lint becomes trapped in the vent. This demands more energy use and frequent cleaning. Weaver believes one of the major trends consumers will be seeing in these key appliances will be the further refinement of ductless technology.

She says vent hoses snaking through a home’s framing have become a leading cause of the 2,900 (average) home clothes dryer fires reported annually, according to the U.S. Fire Administration.

J.D. Wollf at HomeSteady.com recently explained that a ventless or condenser dryer— also known as a Heat Pump Clothes Dryer (HPCD)—doesn’t need a vent because instead of expelling the hot, moist air, a heat exchanger removes the moisture from the hot air and “recycles” it, passing it back through the drying clothes. The excess water is then drained away or caught in a container that is later emptied.

The trade-off for energy savings and safety is a requirement for slightly more maintenance than vented dryers. Wollf says the condensing unit must be cleaned about once a month to remove any lint.

A study at the Florida Solar Energy Center at the University of Central Florida states that while an unvented HPCD uses less electricity than a standard resistance dryer, it was found to release significantly more heat than a conventional dryer during operation, demanding additional cooling energy that may compromise overall savings.

However, the study points out that with a current retail cost of $948, there is only a small premium on the HPCD dryers, making them cost-effective when chosen at time of replacement.

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How to Cancel a Check

(TNS)—Do you have a checking account? What should you do if you sent a check to someone and it hasn’t arrived weeks later? If you’re worried that it may have been lost or stolen, it’s critical you cancel it, or stop payment, as soon as possible.

Here are the steps to cancel a check—and what it may cost you.

Personal Checks vs. Cashier’s Checks
Your personal check contains your name, your account number, a bank routing number, a check number, the payee’s name and the amount payable. When the payee’s bank receives the check, your signature authorizes the bank to transfer funds from your account to the recipient’s account. Usually it takes a couple of business days for a check to clear once it’s been deposited. If a check hasn’t cleared, you can stop payment on it.

A cashier’s check, on the other hand, is drawn directly on the bank that issued the check and not on your account. You may need to use a cashier’s check when you are making a large payment, such as a security deposit on an apartment. You pay the bank the sum needed and a small service fee of $10 or so, and the bank guarantees the funds to the payee. In most cases, banks must honor a cashier’s check when it is presented, and a stop payment is not available.

How to Cancel a Check
If you made an error when writing a personal check—such as making it out for the wrong amount—or if you think the check may have gotten lost in the mail, the first thing you should do is review your account’s transaction history online or call the bank’s 800 number to find out if the check has already cleared.

If the check has not been posted, contact your bank to stop payment. You’ll need a few pieces of information to do this:

  • Your account number
  • The exact amount of the check and who it was made payable to
  • The check number

If you are enrolled in online banking, you can stop payment on a check from your mobile device or computer. Otherwise, you’ll need to call the bank or visit your branch office.

If you make your stop-payment request in time and in writing, your bank won’t be able to cash the check for six months. After that, your stop payment request expires and the check could be paid. Many banks, however, don’t honor checks after six months have passed (but be sure to ask your bank). If you make a stop payment request by phone and do not follow up in writing, the bank can cash the check after 14 days. That’s why it is important to renew your request in writing.

If your check has already been cashed and you suspect fraud, contact you bank so it can initiate an investigation. By law you are generally not responsible for a check if someone forged the signature of the person to whom you made out the check.

Cost of Canceling a Check
Depending on your bank and the type of account you have, you may have to pay a fee of between $15 and $30 to stop payment on a check. If you have an interest-bearing checking account with a fairly high monthly minimum balance, the fee may be waived altogether. Contact your bank to find out exactly what you can expect.

Visit Bankrate online at www.bankrate.com.

©2018 Bankrate.com
Distributed by Tribune Content Agency, LLC

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Infographic: How Recent Buyers Purchased Their Home

Demand and home prices are increasing, but that has yet to keep homebuyers out of the market. Here is how they did it:

For more information, please visit www.nar.realtor.

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3 Ways to Throwback Style

(Family Features)—When it’s time for a bathroom or kitchen upgrade, some of the greatest inspiration may come from another time entirely. Some of the most on-trend styles of today are actually throwbacks to bygone eras.

Learn how to make your updated spaces pay tribute to re-emerging trends and add your own modern touches with these three new-again looks.

Retro-Modern
A retro-modern design is unique in every way, with elements transitioning from the historically unfitted 1920s to 1950s charm and eccentricity. The result is a space that represents many eras and design styles, and the kitchen is the perfect space to bring this look to life.

Start by establishing a focal point for your retro-modern design, such as a functional nod to the past. Long before modern refrigeration, iceboxes were used in many of the homes in the early 20th century to keep foods fresh. It’s possible to mimic this look with the Wellborn Cabinet Premier Series, to achieve an icebox look that actually functions as storage space.

Use contrasting finishes, colors and textures to uniquely define a small space. For example, a modern cabinet scheme in a dark stain or paint contrasts beautifully with stainless steel hardware and a pop of color to break up the cold nature of stainless steel.

Then bring some uniformity with an option like Shaker decorative legs, which adds to the multi-era design feel. Deriving from the Shaker lifestyle and tradition, the tapering effect offers a beautiful yet simple design feature. Integrate the look across multiple elements, such as a wooden-style tapered leg icebox, along with stainless steel tapered legs on wall and peninsula cabinets, which can pair nicely with stainless-steel hardware and a 1950s Malt Shop grooved countertop.

Accessories are an important part of kitchen design, which is why they should be kept top of mind when building or designing that dream space. Features such as removable under-sink baskets and a double wastebasket kit lend ultimate practicality.

No matter the era, lighting is a must for a functional kitchen space. A carefully crafted, multi-layered lighting design is an essential component of a dream kitchen. An option like Hafele lighting, now offered through a partnership with Wellborn Cabinet, makes it possible to illuminate cabinetry, delivering ambient, accent, task and decorative lighting to create the right mood for any space.

Elegant
A beautiful, ornate bathroom with plenty of traditional features can truly be an interpretation of elegance in design. Plan for an abundance of luxurious, spa-like elements to achieve this look. Incorporate features such as warm hickory covering every inch of the walls and built-in lighting to set the tone for a relaxing atmosphere. Then incorporate antique-styled mirrors and glass hardware to create contrasts among the rich tones and texture.

You can create a distinctive alcove effect by situating the sink vanities directly between matching cabinet ends and recessing two mirrors into the wall. A decorative arch valance can add beauty and function, as this is an ideal place to tuck away lighting that provides depth and visibility.

Let a large soaking tub take center stage between the sink vanity and a custom makeup area. While you can rely on cabinetry for functional features, it’s also a way to continue adding elegant touches, such as a beautifully crafted tub skirt and arch that complements the vanity area.

No luxury bathroom is complete without a standalone makeup alcove outfitted with unique features like drawer dividers (perfect for hair accessories) and countertop hideaway cabinets. Consider creating a focal point using rounded spindles to create depth and allow the custom makeup section to stand out in the design. Lastly, embellish the distinguished look with molding options that highlight the feature areas and create a defined line around the room.

An elegant, spacious master bathroom is luxurious and functional, proving that practicality can be used in a glorious way.

Retro
Going to the extreme with your aesthetic with a retro design is all about fun, with features such as pops of color in the tile behind the vanities or fun and whimsical wallpaper. A 1950s-style bathroom lets you play on your childlike senses. From bright colors to mixed metals and textures, this unique design style pays respect to the era of carhops, Airstream Travel Trailers and Lucille Ball.

The key to making a throwback-styled design work for your contemporary needs is all in the modern elements. Think along the lines of illuminated drawers and cabinets and base pull-out wire baskets. These fun twists of technology paired with retro-styled elements make for a winning solution.

When it comes to the vanities and cabinetry, remember that both style and color can bring your retro design together. Don’t be afraid to step outside more traditional wood tones, and use unexpected colors, such as the pink hue available in Wellborn Cabinet’s ColorInspire program. For the woodwork, look for details such as conical-styled, slender legs that add to the 1950s feel.

Reminiscent of days past, a fabulous ’50s bathroom is the ultimate definition of an eccentric design.

There’s no time like now to begin planning your on-trend home upgrades. Explore the latest styles and home design options at wellborn.com.

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