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9 Timeless Tips to Develop Better Habits!

by Lorna Calder

 

How many of us set goals in January only to give up a few weeks later? This common problem has nothing to do with the willpower and everything to do with habits - specifically, not developing the good habits that will help us reach our goals. 

 

Nine timeless tips to help you improve your habits so that you can achieve your goals this year!

 

1. Get Motivated

2. Start Small

3. Set Reminders

4. Replace a Bad Habit

5. Get others on Board

6. Have Realistic Expectations

7. Do it for 30 days

8. Take on one habit at a time

9. Reward Yourself for a job well-done!

 

For a more detailed description of these 9 Tips, open these links! Tips 1-5 & Tips 6-9


Licensed content reprinted with permission. Reprinted with permission from Buffini & Company. ©2016. All rights reserved.

It's Time to File for Your Homestead Exemption!

by Lorna Calder

Good morning to all, I have some great news for those of you who purchased a home in 2015! You are now eligible for a Homestead Exemption.

 

Basically a Homestead Exemption helps you save on taxes on your home. An exemption removes part of the value of your property from taxation and lowers your taxes. For example, if your home is valued at $100,000 and you qualify for a $20,000 exemption, you pay taxes on your home as if it was worth only $80,000.

 

Harris County – Residential Homestead Exemption Form

Harris County – Disabled Veteran or Survivor Exemption Form

Montgomery County - Residential Homestead Exemption Form

Montgomery County - Disabled Veteran or Survivor Exemption Form

 

What Kinds of Homestead Exemptions Are Available for Harris County?

 

§  School taxes — all homeowners.  If you qualify for the homestead exemption, you will receive at least a $15,000 homestead exemption on the value of your home for school district taxes.

 

§  County taxes — all homeowners.  Harris County currently provides a 20% optional homestead exemption to all homeowners. This means, for example, that if your home is valued at $100,000, the exemption will reduce its taxable value for Harris County taxes by $20,000 to $80,000.

 

§  Optional exemptions — all homeowners.  Any taxing unit, including a school district, city, county or special district, may offer an exemption for up to 20% of your home’s value. The amount of an optional exemption can’t be less than $5,000, no matter what the percentage is. For example, if your home is valued at $20,000 and your city offers a 20% optional exemption, your exemption is $5,000, even though 20% of $20,000 is just $4,000.The governing body of each taxing unit decides whether it will offer the exemption and at what percentage. This percentage exemption is added to any other homestead exemption for which the applicant qualifies.

 

Application Deadlines for HARRIS COUNTY

 

You should file your regular residential homestead exemption application between January 1 and April 30. Early applications will not be accepted. If your application is postmarked by April 30, this will allow the district time to process it before your tax statement comes out in the fall. If you miss the April 30th deadline you can still apply:

For a general exemption: up to one year after the date taxes became delinquent for the year (usually February 1 of the year following the tax year).

For an over-65 or disabled person: if you turn 65, become totally disabled, or acquire a property during the year, you can apply and have the over-65 or disability exemption activated for that year. The deadline to apply for an over-65 or disabled person’s exemption for the year in which you qualify is the first anniversary of the date you qualify. In other words, you have one year from the date you qualify to apply. For example:

 

1.      If you are already qualified and you purchase a different home, you have one year from the date you occupy the new home to apply.

2.     If you turn 65 during the year, you have until your 66th birthday to apply for the year in which you turn 65.

3.     If you become disabled during the year, you have one year from the date you became disabled to apply.

 

Otherwise, the deadline for applying for the over-65 or disability exemption is the same as the deadline given above.

 

For more information regarding Harris County Homestead Exemptions – Visit HCAD

 

 

If you have purchased in Montgomery County, please visit click this link to MCAD, for further information on available Exemptions and Deadlines

 

You can also call our Christina Terry at our office, 281-348-3081, for more information!

 

All information has been pulled from the following sources;

http://www.hcad.org/Resources/Exemptions/Homeowners.asp

http://www.mcad-tx.org/html/homestead.html

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