Todd Alperin - Coco, Early & Associates The Olivares, Molina & Alperin Division



Posted by Todd Alperin on 12/17/2017

Whether youíre bringing home a new puppy or adopting an adult dog, your new 4-legged friend is sure to be a part of the family. Just as you would when bringing home a new baby, youíll want to make preparations to your space for both you and your dogís safety.  You donít want to overlook anything and then have you or your pet get hurt. As a rule of thumb: Anything that you would protect a baby from you should protect a dog from. These dangers include:


  • Chemicals
  • Prescription medications
  • Small parts that can be ingested
  • Cleaning supplies
  • Hazardous houseplants
  • Chocolate/candy
  • Steep stairways


Keep your furry friend healthy and save yourself from costly vet bills by taking precautions. Simple measures can make a big difference. Safety items that you can use to help protect both you and your pet are:


  • Gates
  • Power strip covers
  • Locks for cabinets
  • Keep pills, candy, and chemicals on high shelves that canít be reached
  • Cord wranglers


These little devices can prevent your dog from chewing or getting into hazardous things. Itís also a good idea to protect dogs from steep falls on stairways and decks by blocking certain areas off. Since many dogs donít know what to keep out of their snouts, you want to think like a dog and know that if they can chew it, they will!  


Keep Your Dog Out Of The Trash


Dogs tend to like to see what they can find in the trash. If you get a trashcan that canít be accessed by dogs, you wonít need to worry. A hidden trashcan in a cabinet or island can help to alleviate this problem. You can also get a can with a lid that canít be easily popped off.


Keep The Dogís Access To A Minimum


If your dog is home alone all day while youíre at work you may want to close doors or put up gates in order to restrict the dog to a certain area of the house. This way, the dog will know his place and wonít be able to cause any kind of damage.     

 

Keep Clutter To A Minimum


Clutter is dangerous to both humans and dogs alike. If you know a dog is bound to chew things, put it away! Keeping floors and pathways clean also protects both you and your pet from tripping. Staying organized is also a positive for everyone in the house.  


If you always think with safety in mind when you have a dog, youíll keep both you and your pet safe in your home the whole year through.   

     




Tags: pets   Dog safety  
Categories: Uncategorized  


Posted by Todd Alperin on 12/10/2017

Owning a home is one of the biggest financial undertakings that youíll ever have. There are some benefits to owning a home. Many of these benefits come each April when we file our taxes. There are a few very commonly overlooked tax breaks that homeowners have the chance to claim as deductions that you might not be taking advantage of. 


Going Green


Thereís many different tax breaks that are available on a state-by-state basis based on green improvements that have been made to a home. Rates vary, but can save you a significant amount on your taxes. Aside from the money that youíre already saving on utility bills, the solar panels that you have installed, the low-flow toilet you put in, or the new efficient windows that you replaced can really save you some significant money. Check with your tax preparer for specific details on the savings that you can have from your state and even city or town based on these home improvements. 


Mortgage Interest Tax Savings


This tax break is one of the biggest motivators for people to take the leap into homeownership. Since you have the ability to write off a significant amount of mortgage debt, in some cases 1 million dollars, it makes renting look less and less attractive. To take advantage of this deduction, however, youíll need to itemize your deductions. This is not something many taxpayers actually do. If you want to take advantage of the mortgage interest deduction and the property tax deduction, youíll need to start itemizing each and every tax deduction that you have. 


For many people, itemizing the deductions wonít even add up. This is why many people avoid it altogether. For people in this situation, it may make more sense to take the standard deduction. If you are eligible to itemize, however, as a homeowner, you definitely should take advantage of these benefits. 


Interest On Home Improvement Loans


If you have recently taken out a loan to do some major work around your home, the interest on this loan could be tax deductible. While many loans that may be greater than 100% of the property value arenít eligible for tax deductions, up to $100,000 of your debt on a home improvement loan can be tax deductible. 



Private Mortgage Insurance


You may be eligible to deduct your PMI premiums from your taxes. The amount of deduction that you can claim is dependent on your AGI (adjusted Gross Income) and may be less if that number is above $100,000.


If youíre a homeowner and feel that you havenít been taking advantage of all of the tax breaks that are available to you, itís important that you get more information on how to get these benefits.





Posted by Todd Alperin on 12/4/2017

Don't miss out on this one! Beautiful home that was completely renovated in 2009. First floor features a cabinet packed kitchen with granite counters, tile back splash and tile flooring. Dining room. Living room features hardwood flooring and pellet stove. Spacious first floor master bedroom with hardwood floors and two closets. A full tiled floor bathroom completes the first floor. The second floor features two skylit bedrooms and full tiled floor bathroom. Huge deck overlooks very spacious fenced yard. Solar panels and pellet stove are great for lowering energy bills. One car attached garage. Great location on dead end street with hiking trails nearby that lead to Winnikenni Castle and Kenoza Lake.

More Info on this Property | New Listing Alerts





Posted by Todd Alperin on 12/3/2017

Buying a home will likely be the most important and expensive purchase you ever make. And, although that might seem like a scary commitment, itís one well worth it. Itís an investment in your future. There are many benefits or perks that come with owning a home.

Equity: Owning your own home typically comes with gaining equity. Every month that you pay your mortgage, you are increasing your equity. And as long as the market continue upwards, your home and the equity youíve gained will hold significant value.

Privacy: Privacy is a large perk of owning your own home. This is more so possible when owning a single-family home in a rural location, but many duplexes and condos also provide opportunities for privacy. And in many cases, since you own the home,you can put up your own privacy such as planting arborvitae trees along your properties edge.

Tax Advantages: One of the biggest perks when owning a home is the ability to deduct mortgage interest on your federal income taxes. This will be a significant amount for the first few years of your mortgage, making this a huge benefit. Although, the amount of interest paid decreases over the years, there will still be deductible interest paid in the last few years of your mortgage.

Space: Houses will almost always provide you with more space than an apartmentóand it will certainly have more space than your childhood bedroom. The space will be all yours, which means not having to share with other renters or your parents. Of course, home location and the market come into play here, but for the most part you will get more square footage for your moneyóas landlords charge high rents to cover things like water, electricity, snow removal, or still charge high rent prices and do not cover any of those other expenses.

No restrictions: There are many restrictions that come with renting or living in a condominium. These restrictions could include no pets, parking restrictions, outdoor updating restrictions and many other different types of constraints. When you own your own home, you make the rules. If you want to put up a fence, you can. And if you want to put an addition on your house, you can do that too. Just be sure to check with your town before beginning any construction projects.

Establishment: Buying a home provides you the ability to set down roots, to be established. Although, not a benefit to some, it is to many. Buying a home provides you with ownership and a sense of freedom. You now have the opportunity to invest in something that is yours. You can make updates to the bathrooms, add a pool in the backyard, and paint the front door any color you wantóbecause itís yours.

A home is often the foundation of oneís life and who can deny its appeal with these perks discussed above? So, what are you waiting for? Start your search today!




Categories: Uncategorized  


Posted by Todd Alperin on 11/28/2017

Opportunity knocks for this 3 bedroom, 1.5 bath Garrison Colonial located in desirable neighborhood. Fantastic floor plan with the first floor featuring front to back living room with built-ins and fireplace. The kitchen has plenty of cabinet space, new stainless steel dishwasher & new stainless steel stove. A half bath completes the first floor. The seller believes there is hardwood floors under the under all carpeting on first floor. Buyer to perform due diligence on flooring. The second floor has a huge master bedroom w/hardwood floors. The other two bedrooms are good sized w/hardwood floors as well. The full bath completes the second floor. There is a large breezway to enjoy in the warmer months. One car attached garage. New drilled well in 2016. Fantastic 1/2 acre plus lot. Nice country location, but close to schools, shopping, Route 495, recreation & more. A solid home and with a some sweat equity you can make this the home of your dreams. Property to be sold in as is condition.

More Info on this Property | New Listing Alerts