The goal of every taxpayer is to make sure the IRS gets as little as possible. So, you need to take every tax deduction, credit or other income adjustment you can. Here are 10 tax breaks -- some for itemizers only, others that any filer can claim -- that could save you some tax dollars.   Additional charitable gifts  Most count the monetary gifts they make to their favorite charities. But expenses incurred while doing charitable work often aren't counted on tax returns. You can't deduct the value of your time spent volunteering, but if you buy supplies for a group, the cost of that material is deductible as a charitable donation. Similarly, if you wear a uniform in doing your good deeds the costs of that apparel and any cleaning bills can be counted as charitable donations. So can the u... 09/21/2014

According to the McIlwain report, there are 4 major U.S. demographic waves to watch in the new decade: 1- Aging Baby boomers (58 to 68)- Many will keep working out of necessity or by choice. Some will be forced to stay in their suburban homes until values recover before obtaining a home loan. Those who are able to move will not choose traditional retirement locations or senior housing, opting instead for more mixed age living environments they cater to their active lifestyles. Suburban town centers with a walkable urban feel is appealing. 2-Younger Baby Boomers (50 to 54 years old), now in or entering their prime earning years- Because the recession has left many younger baby boomers with flat incomes and less home equity, their ability to purchase second homes and home loans will be gr... 09/14/2014

Whether you are doing Home Loans or any other business, American Icon Coach John Wooden has left us with some cornerstones to success and inspirations: Things turn out best for the people who make the best of the way things turn out. Never mistake activity for achievement. Be more concerned with your character than your reputation, because your character is what you really are, while your reputation is merely what others think you are. Be prepared and be honest. Be quick, but don't hurry. You can't let praise or criticism get to you. It's a weakness to get caught up in either one. You can't live a perfect day without doing something for someone who will never be able to repay you. Winning takes talent, to repeat takes character. If you don't have time to do it right, will you have time ... 09/14/2014

In today's world, the ability to measure our marketing efforts is unprecedented. We all need to make our marketing more accountable. If you're not measuring it, your competitor is. All of the marketing analytics platforms out there will allow you to monitor both the effectiveness of your social media activities and your competitors. Sales and market share are outcomes, not predictors. If your 2014 planning is focused on improving revenue or margin, these are great outcomes. Maybe build a quick process flow map to track how many visitors convert to leads convert to prospects convert tot orders. Set your goals for marketing performance in 2014. Need to leverage your marketing spending into buying. Leverage chat boards and groups on trade association boards and LinkedIn, developing your pr... 09/14/2014

Millennials are on a mission to end the traditional 9 to 5. Mobile computing has a lot to do with this. The way of the future is, total work time flexibility, and more off time. Millennials will soon make up 40% of the workplace, and the changes they are bringing will better everyone in the long run. They're smart, they're caring, they're collaborative, and they're mobile. More than anything, they want to be given autonomy over their work. 45% of Millennials will choose flexibility over pay. 79% of Millennials want to work for a company that cares about how it impacts or contributes to society. 70% of Millennials count giving back and being civilly engaged as their top priority. 80% of Millennials want constant feedback from their bosses. Millennials are very open and collaborative. the... 09/14/2014

A budget can help you meet all your financial needs. A budget lets you fine tune spending to meet all needs; short term monthly bills and groceries, mid-term vacations and long term, home down payment, college, and retirement. A budget shows the expenses you can't avoid like utility bills and those you can postpone (another dinner out), so you can cut short term spending to meet long term goals. Cut waste. You can cut 75% of the grocery bills with coffee from home, soda and sports drinks from the supermarket, and a refillable water bottle. Without a budget, you don't know what you're spending, so you can't find the waste. Hit goals. To reach a financial goal; set a time frame, but you need a budget to "find" that extra money. A budget also keeps you motivated. You won't mind cutting out... 09/14/2014

The healthy approach to home buying and a home loan starts with the financing. For healthy resolutions in life, how about developing some of these habits? Get more sleep- Committing to 8 hours a night is an effortless way to feel healthy. Researchers report sleeping burns fat, decreases stress, and boosts your immune system, mood, and alertness. Spend time outside- Get some fresh air every day. Experts say being outdoors relaxes the mind. Take a walk before work or at lunch. Find a spot you like in your yard or a park and spend some time there. Stop staring at screens- Turn off the TV, tablet, computer, and smart phone, and start enjoying the moment. These technological wonders also create obesity, sleep disorders, and emotional and focus problems. Top multi tasking- Instead, pay attent... 09/14/2014

What Constitutes a Good Life? The ultimate expression of life is not a paycheck. It is family, and the inner circle. Invest in them & they'll invest in you. It is good friends, the greatest support system in the world. It is Productivity. You won't be happy if you don't produce.  It is your Spirituality. It is your culture; your language, music, ceremonies, traditions. Don't miss anything. Don't miss the game, don't miss the movie, don't miss the show, don't miss the dance. Go to everything you possibly can and experience everything you can. Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Idaho FHA, VA, USDA,... 09/14/2014

The real estate industry and home loans have long been an entrepreneur's playground. Knowing how to get started and acquiring the needed skills to start your own business are essential, but the basics will only take you so far. If you want to maximize your rate of success with home loans, you need to be able to evolve with the industry and capitalize on new advances in marketing and technology. Good listening and follow up are critical to success. Providing clients with the best possible service for home loans should be top priority. Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Idaho FHA, VA, USDA, Convent... 09/14/2014

The healthy approach to home buying and a home loan starts with the financing. For healthy resolutions in life, how about developing some of these habits? Get more sleep- Committing to 8 hours a night is an effortless way to feel healthy. Researchers report sleeping burns fat, decreases stress, and boosts your immune system, mood, and alertness. Spend time outside- Get some fresh air every day. Experts say being outdoors relaxes the mind. Take a walk before work or at lunch. Find a spot you like in your yard or a park and spend some time there. Stop staring at screens- Turn off the TV, tablet, computer, and smart phone, and start enjoying the moment. These technological wonders also create obesity, sleep disorders, and emotional and focus problems. Top multi tasking- Instead, pay attent... 09/14/2014

Stunning Home in Red Feather Subdivision! This home features Six Bedrooms and has every upgrade you need and want in a home this size! Granite counter tops, Hot tub, Huge 36X14 covered patio, Big storage shed 10X16, RV Parking, Gas fireplace, Bonus room, Large Kitchen, Large formal dinning area, Large Main Level Master Suite, over sized bedrooms, Big 3 car garage for all the toys, water feature, and so much more! The home shows like a brand new home! If you need a bigger home, you must see this home today! Check out the Virtual Tour! http://www.tourfactory.com/idxr1142568 09/11/2014

Beautiful two story home for sale in the desirable Castlebrook Sub! Country front porch and all the little details that add up to make this home wonderful! This home has great curb appeal with mature landscaping! The home features a very nice floor plan with no wasted space! A very open and functional kitchen that includes a nice sized island! You need room for the toys? Check out the RV Parking on the side of the home! The seller has a 27+ Foot Trailer that fits beside the home + More room for more toys! Check out the Virtual Tour! http://www.tourfactory.com/idxr1226618 09/11/2014

Beautiful Home for sale in the desirable Castlebrook Subdivision! This single level home features a very nice split bedroom floor plan! The home has a very functional layout that has 4 bedrooms and a bonus room! A wonderful open floor plan that has many options and potential uses for the new owner! The home is very beautifully landscaped and even has a built in trampoline and swing set! This home has been very well taken care of and the pride of home ownership shows! The Community also has a swimming pool! Check out the Virtual Tour! http://www.tourfactory.com/idxr1226622   09/11/2014

Hey Guys, download and save the 2014 BSU Calendar to your smartphones! Text BSUSuzi to 79564!   Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Idaho FHA, VA, USDA, Conventional, Jumbo and Investor Mortgage loans in Idaho.   Idaho Mortgage. Home Purchases, Refinance & More. We are the Idaho Mortgage experts. 08/18/2014

"Visualize your success". It's something we hear a lot of these days.  However we don't always know how to make our visualizations powerful enough so that they become a reality. The first step in any visualization process is to believe that you can have it.  As Henry Ford once said "Whether you believe you can or you can't, either way you are right." Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Idaho FHA, VA, USDA, Conventional, Jumbo and Investor Mortgage loans in Idaho. Idaho Mortgage. Home Purchases, Refinance & More. We are the Idaho Mortgage experts. 08/18/2014

"True leadership must be for the benefit of the followers, not to enrich the leader." --John C. Maxwell. What is servant leadership? The concept of servant leadership starts by being a servant first. A servant leader must first learn to serve before taking on a leadership position. Servant leaders must focus on the well-being and individual growth of followers. People will not follow a leader until he/she shows genuine interest in them. Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Idaho FHA, VA, USDA, Conventional, Jumbo and Investor Mortgage loans in Idaho.   Idaho Mortgage. Home Purchases, Refinance & Mo... 08/18/2014

5 steps to stop hackers and 3 tips if you do get hacked- PLUS 3 ways to avoid stress in any situationThis holiday season, hackers stole over 40 million credit and debit card numbers from Target's retail system. This makes all of us extra cautious about protecting our own computer systems. Here's how to hold off those hackers: 1. "ABC" online. "Always Be Careful" when checking emails and surfing the Web. Hackers use these online connections to get malware onto your system that gives them access to personal information and passwords. Watch for bad links: Check a link by resting your cursor on it, without clicking, to see the web address. If you want "Sports.com" but you see "x83pzt.net," don't click on it.  Avoid questionable websites: Places that push the norms of taste and morality are ... 08/18/2014

KEEP STRESS AT BAY WITH THESE 3 TACTICS  No matter what's happening around you, it's important to stay calm. You'll be happier, and healthier, if you take these approaches: 1. Focus on the big picture. If a complex project is getting you down, keep reminding yourself of the end goal. This keeps you motivated and prevents you from getting bogged down in the details. 2. Just relax. When faced with a challenge, the initial reaction is often to act immediately. This can lead to impulsive decisions that create more challenges and even undermine long-term goals. Instead, when a difficulty arises, don't react. Stop for a moment, and then calmly consider the best next step to take. 3. Do a little exercise. When it comes to dealing with stress, researchers say short bouts of moderately intense e... 08/18/2014

Of all the things that can have an effect on your future, personal growth is the greatest. We can talk about sales growth, profit growth, and asset growth, but all of this probably will not happen without personal growth. It's really the door open door to it all. In fact I'd like to have you memorize a most important phrase. Here it is: "The major key to your better future is YOU." A lot of people want to be successful, and they don't even work on their handshake. As easy as that would be to start, they let it slide. Develop an above average smile. Develop an above average excitement. Develop an above average dedication. Develop an above average interest in other people. To have more, become more. Remember, work harder on yourself than you do on your job. You will see the real differenc... 08/18/2014

On November 20, 2013, the final rules on the replacement of the current consumer disclosure forms for home loans required under RESPA and the Truth-In-Lending Act were released. The new, integrated Loan Estimate form and Closing Disclosure Form will go into effect August 1, 2015. The new forms focus on improved consumer understanding, better comparison shopping, and avoiding costly closing surprises. In producing the RESPA/TILA rule, CFPB listened to the concerns of NAR and other home loans industry organizations. Buying a Home? Text CHECKLIST to 79564 for your digital Home Buying Checklist Suzi Boyle | Idaho Home Loans | FHA Home Loan | VA Home Loan | USDA Home Loan | Jumbo Home Loan Suzi Boyle 1880 S Cobalt Point Way, Meridian, ID 83642 Idaho FHA, VA, USDA, Conventional, Jumbo and Inv... 08/18/2014