IRS Retirement plan navigators link:
- http://www.retirementplans.irs.gov/choose-a-plan/
- http://www.irs.gov/retirement/article/0,,id=178044,00.html
Plan comparison table:
http://www.retirementplans.irs.gov/plan-comparison-table/
To summarize:Tuesday, September 22, 2009
Retirement Benefits Websites
Some info on retirement benefits:
IRS Retirement plan navigators link:
For IRAs 401(k) and Profit-Sharing Plans, the contribution limits of 2009 is up to $49,000. Catch-up contributions - employees can contribute to their own retirement. Employees at age 50 or older may make additional (catch-up) contributions to plans. The amount depends on the type of the plan. Loan and hardship withdrawals allowed for 401(k) and Profit-Sharing Plans. Defined Benefit Plans allow higher retirement benefits of up to $195,000 a year. Tax-Exempt Plans.
IRS Retirement plan navigators link:
Wednesday, July 22, 2009
Loan Modifications Video from Freddie Mac - C.A.R. Newsline 7-22-09
Video helps homeowners gather paperwork for faster mortgage help
Freddie Mac has produced a video that shows late-paying borrowers how gathering a few financial documents before calling a mortgage servicer can cut the time needed to determine their eligibility and process their application for a loan modification under the Making Home Affordable program or Freddie Mac's other workout initiatives.
Available in English and Spanish versions, the new Freddie Mac video, “Stop Foreclosure: Documents Your Lender Needs to Help You,” can be seen at Freddie Mac’s channel on YouTube at http://www.youtube.com/FreddieMacWeb. The two-minute video shows step-by-step which documents borrowers should have on hand when they call their servicer to discuss loan modifications. These documents can cut the time a servicer will need to understand the borrower's situation, determine his or her eligibility for a workout, and process the application.
The above info is from the California Association of Realtor's Newsline dated 7-22-09
Thursday, April 2, 2009
Easy Access to Free Pre-foreclose, Bank Owned, Aution Homes
As of March 2009, MetroList provides free information to Realtors on Foreclose Homes / Bank Owned Homes / Aution Homes.
In the Realist section, realtors can now search preforclose, bank owned, and aution homes.
Information provided include home address, subdivision, notice of default date / date of trustee's sale, other property details, and many other real estate loan information.
Based on my search on 4/2/09, the number of preforeclosures in Modesto is listed at 1000 (limit of each search reached). In reality, there are more than 1000 homes in this category.
Real estate search results (Preforecluse Homes) in various Modesto CA zip codes:
In the Realist section, realtors can now search preforclose, bank owned, and aution homes.
Information provided include home address, subdivision, notice of default date / date of trustee's sale, other property details, and many other real estate loan information.
Based on my search on 4/2/09, the number of preforeclosures in Modesto is listed at 1000 (limit of each search reached). In reality, there are more than 1000 homes in this category.
Real estate search results (Preforecluse Homes) in various Modesto CA zip codes:
- 95358 - 205 Modesto CA homes in preforeclosure
- 95357 - 73 Modesto real estate in preforeclosure
- 95356 - 183 Modesto properties in preforeclosure
- 95355 - 363 Modesto preforeclose real estate
- 95354 - 180 real estate homes in preforeclose
- 95352 - 2 preforeclose Modesto CA homes
- 95350 - 293 homes in preforeclosure
Search results (Bank Owned Homes) in various Modesto CA zip codes. The search results list the REO sale date.
- 95358 - 291 are bank owned Modesto homes
- 95357 - 74 homes are bank owned real estate
- 95356 - 177 homes are bank owned properties
- 95355 - 343 Modesto CA bank owned homes
- 95354 - 219 Modesto homes are bank owned
- 95351 - 400 bank owned real estate in Modesto
- 95350 - 294 Modesto CA bank owned properties
Search results (Auction Homes) in Modesto. The search listed date of Notice of Trustee's sale and other property information.
- 856 Auction homes in Modesto
Searches are available for other counties (about 51 of them) and other zip codes in Northern CA.
Disclaimer: information are from Metrolist MLS search. It has not been verified. Please rely on your research if there are discrepancies.
Monday, March 9, 2009
New Phone DARE | Love the Navigator
I got a new phone yesteray, the Verizon's LG Dare. I had been waiting to get an iPhone once my Verizon plan expires. My family and I were shopping at Stanford Shopping Center and after stopping at the Verizon booth and talked with the sales person, we ended up with the new DARE media phone.
The new feature on the phone, the Navigator, is really fun. It uses GPS navigation. I can find my current location using 'Maps & Traffic' / 'Where Am I?' options on the phone. At the time, the Verizon booth was near Starbucks Coffee in the Stanford Shopping Center and the phone displayed the address.
I tried the phone's different options which include: 'Send Place MSG' / 'Add to Favorites...'. I can have the Navigator send my location to a recipient and in turn guide the recipient to my location.
I also tried a few options like 'Traffic', 'Weather' and played with the navigator to set the destination to my home address on the way back home. I was impressed by the GPS guidance system.
My first 'Favorites' locations added to the new phone:
I haven't tried other features on the phone such as voice recognition, the 3.2-megapixel camera, or the video yet but I know I am keeping the VZ Navigator feature.
One other thing to mention: the sales people (2 brothers) were really helpful. They transfered all the info from my old phone to the new phone and also added a memory card to the new phones.
The only thing missing, the capability to use the phone as a realtor lockbox key, which some other phones can provide. I am waiting for Verizon to support that feature.
For more information on the phone, see the article 'iPhone, Instinct, Meet Verizon's Dare'.
The new feature on the phone, the Navigator, is really fun. It uses GPS navigation. I can find my current location using 'Maps & Traffic' / 'Where Am I?' options on the phone. At the time, the Verizon booth was near Starbucks Coffee in the Stanford Shopping Center and the phone displayed the address.
I tried the phone's different options which include: 'Send Place MSG' / 'Add to Favorites...'. I can have the Navigator send my location to a recipient and in turn guide the recipient to my location.
I also tried a few options like 'Traffic', 'Weather' and played with the navigator to set the destination to my home address on the way back home. I was impressed by the GPS guidance system.
My first 'Favorites' locations added to the new phone:
- Stanford Shopping Center
- Just Koi Chinese Restaurant 4264 Dublin Blvd., Dublin CA 94568
- Home - Sweet Home
I haven't tried other features on the phone such as voice recognition, the 3.2-megapixel camera, or the video yet but I know I am keeping the VZ Navigator feature.
One other thing to mention: the sales people (2 brothers) were really helpful. They transfered all the info from my old phone to the new phone and also added a memory card to the new phones.
The only thing missing, the capability to use the phone as a realtor lockbox key, which some other phones can provide. I am waiting for Verizon to support that feature.
For more information on the phone, see the article 'iPhone, Instinct, Meet Verizon's Dare'.
MetroList Expanded Access
As of Feb 2009, MetroList subscribers can access, search, and enter listings into MLSListings which covers San Mateo real estate, Santa Clara real estate, Santa Cruz real estate, Monterey real estate, and San Benito. MetroList is a participant in the California MLSAlliance.
In addition, searches now include Preforeclose homes, Auction homes, and Bank Owned homes in 51 Northern California counties.
In addition, searches now include Preforeclose homes, Auction homes, and Bank Owned homes in 51 Northern California counties.
Tuesday, February 24, 2009
Internet Absence - Explained | Modesto Realtor Obligations
Spent the last 5 months catching up on billing insurances for my husband's Pain Management practice after terminating the outside billing company's contract.
Just caught up on insurance aging for Jan-Sept 2008 and even call on bills in 2007 that had not been paid! The outside billing company sent out first billings, which is the easy part of the job. There were no balance billing, nor rebilling unpaid office visits and medical procedures! Even ended up with a lot of data corruption in Lytec.
Also researched Electronic Medical Records/EMR, EHR tools:
- AI Med from Acrendo: www.acrendo.com
- eClinicalWorks: www.eclinicalworks.com
- LeonardoMD: www.leonardomd.com (web-based)
- AdvancedMD: www.advancedmd.com (web-based)
- iMedica: www.imedica.com
- Lytec: www.lytec.com
Too many hours spent looking at demos. Priced out of eClinicalWorks and iMedica. I had a hard time navigating thru' the task scenarios using the EMRs, found them confusing...
Got an email last week from National Association of Realtors, requesting me to stop using the domain name www.modesto-realtor.com for my real estate website due to trademark issues. Thus, I have to change focus... back to real estate... internet presence once again...
New to-do list:
- Have my brother add the new domain name. He is my website administrator and he does that for me for free. I have a cheap website (cost me nothing to write it myself).
- Use Google Webmaster Tools to add new domain name, verify site, generate site map, track crawl stats, etc.
- Research real estate SEO Modesto keywords using Google Adwords.
- Use Google Analytics to track results.
My hobby and passion: real estate investments, website development, the SEO Modesto game.
My obligation: medical practice management, billing insurances.
My goal: To delegate insurance billing tasks and set the medical practice on auto-pilot (a dream that had not yet come true and may never be, sigh!)
Announcement: Medical Insurance Billing Job Opening in Pain Management Clinic Modesto. email resume to HiredModesto@comcast.net.
Just caught up on insurance aging for Jan-Sept 2008 and even call on bills in 2007 that had not been paid! The outside billing company sent out first billings, which is the easy part of the job. There were no balance billing, nor rebilling unpaid office visits and medical procedures! Even ended up with a lot of data corruption in Lytec.
Also researched Electronic Medical Records/EMR, EHR tools:
- AI Med from Acrendo: www.acrendo.com
- eClinicalWorks: www.eclinicalworks.com
- LeonardoMD: www.leonardomd.com (web-based)
- AdvancedMD: www.advancedmd.com (web-based)
- iMedica: www.imedica.com
- Lytec: www.lytec.com
Too many hours spent looking at demos. Priced out of eClinicalWorks and iMedica. I had a hard time navigating thru' the task scenarios using the EMRs, found them confusing...
Got an email last week from National Association of Realtors, requesting me to stop using the domain name www.modesto-realtor.com for my real estate website due to trademark issues. Thus, I have to change focus... back to real estate... internet presence once again...
New to-do list:
- Have my brother add the new domain name. He is my website administrator and he does that for me for free. I have a cheap website (cost me nothing to write it myself).
- Use Google Webmaster Tools to add new domain name, verify site, generate site map, track crawl stats, etc.
- Research real estate SEO Modesto keywords using Google Adwords.
- Use Google Analytics to track results.
My hobby and passion: real estate investments, website development, the SEO Modesto game.
My obligation: medical practice management, billing insurances.
My goal: To delegate insurance billing tasks and set the medical practice on auto-pilot (a dream that had not yet come true and may never be, sigh!)
Announcement: Medical Insurance Billing Job Opening in Pain Management Clinic Modesto. email resume to HiredModesto@comcast.net.
Saturday, September 27, 2008
Practice Pointers: Outsource billing? Here's how - - Modern
Article on medical billing outsourcing and what to look out for when selecting / monitoring an outside medical billing service.
read more | digg story
read more | digg story
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