Thanks Annette! Sa mga mommy, belated happy mom's day!
--- In [email protected], Annette Tiu Macariola <[EMAIL PROTECTED]> wrote: > > Since nasagot na ni Arlene mga questions mo, goodluck and enjoy na lang on your > house hunting! =) > > Nga pala, I've seen Centex's model homes. Cute mga layout nila. > > > Adbans Hapi Mother's Day po sa mga Moms! > > > --- tribalknowledge <[EMAIL PROTECTED]> wrote: > > Hope you're feeling better now. > > > > Regarding mare-refund sa tax, to give you an idea...I played with the > > figures in Turbo Tax for our 2003 tax return. That year we owe $1481 > > in taxes. Nung tinanggal ko yung property tax and mortgage interest, > > tumaas sa $2456 yung income tax na dapat bayaran. > > > > Property tax...it depends on the value of your property and the tax > > rate. Etong county namin, merong website where you can find the tax > > rates (www.collincad.org). Ang computation yata is (not very sure): > > property tax = (value of property less exemption) * tax rate > > > > For example, eto yung property info ng isa naming kakilala: > > (http://www.collincad.org/collindetail.php?theKey=2062475) > > For 2003, ang Appraised Value ng property nila is $238,720. If you > > add up the tax rates, you will get a 2.351646% tax rate. Let's say > > they have a 10% homestead exemption. So their 2003 Property Tax is: > > ($238,720 less (10% of $238,720)) * 0.023516 = $5,052.365568. Bale, > > $421.03 per month. Caveat: Again, I'm not really very sure about > > the computation. > > > > Homeowners assn dues, around $300 - $360 a year, depending on the > > community. Some communities walang homeowners assn. > > > > Insurance, try to shop around. Ours is with Texas Select that we got > > thru (http://www.1800thanksal.com/). > > > > Escrow acct = an account held by the lender into which a homeowner > > pays money for taxes and insurance. Please avoid this. You can pay > > your property tax and your insurance on your own. The lender will > > just earn interest on your money :) But I think this is ideal for > > those who don't have the discipline to set aside money for property > > tax and home insurance. > > > > Nga pala, alam mo bang puwedeng maki-haggle sa price ng bahay? I'm > > not sure what my husband said to the sales person pero napababa yata > > niya ng at least $15K yung price ng bahay. I'm not sure if it's due > > to the fact that we're not realtor-assisted kaya kami naka- discount. > > > > O sige, good luck! Kami dati ang pinaka-exciting time for us during > > the homebuying process is yung pagpunta-punta sa mga model houses, > > looking at different floor plans, yung pagpili ng mga type/color ng > > carpet, countertop, tile, brick, tiles, appliances, etc. > > > > Enjoy! > > > > > > > > > > > > > > Ask our other classmates to subscribe, tell them to send an email to: > > [EMAIL PROTECTED] > > > > > > Yahoo! Groups Links > > > > > > > > > > > > > > > > > > > > __________________________________ > Do you Yahoo!? > Yahoo! Small Business - Try our new resources site! > http://smallbusiness.yahoo.com/resources/ ------------------------ Yahoo! Groups Sponsor --------------------~--> Give underprivileged students the materials they need to learn. Bring education to life by funding a specific classroom project. http://us.click.yahoo.com/LZzaMD/_WnJAA/HwKMAA/oNXolB/TM --------------------------------------------------------------------~-> Ask our other classmates to subscribe, tell them to send an email to: [EMAIL PROTECTED] Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/4c-math94/ <*> To unsubscribe from this group, send an email to: [EMAIL PROTECTED] <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/
