More Money In Your Paycheck

A homeowner’s tax savings benefit is generally realized when they file their federal income tax return after the money has been spent for the interest and property taxes. Some people look forward to the refund as a means of forced savings but some people need to realize the savings during the year.

It is possible to adjust the deductions being withheld from the homeowner’s salary so they realize the benefit of the savings prior to filing their tax returns in the form of more money in their pay checks. Employees can talk to their employers about increasing their deductions stated on their W-4 form.

By increasing the exemptions or deductions, less is taken out of the check and the employee will receive more each pay period. If a person over-estimates their exemptions and therefore, underpays their income tax, they might incur interest and would have additional tax to pay when they filed their tax return.

Buyers considering this strategy should seek tax advice and discuss it with their human relations department at work. Additional information is available on the Internal Revenue Service website about Completing Form w-4 and Worksheets.


As your real estate professional, I have the training and experience to provide solutions to make homes more marketable and help structure favorable transactions.  Please forward this article to your friends or family who could benefit from it.

We are a real estate team who cares about our clients. If you are considering selling your home and would like some honest, professional, and experienced guidance, please contact Joe Ward at 919-518-8182 or joe@joeward.net.

Connect with us on social media to learn more about our team and
how we can help you find your new home!

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508 Heathwick Drive, Knightdale NC 27545

3 Bedrooms, 2 1/2 Baths 1,657 sqft
$167,500 PRICE REDUCED!!!
508 Heathwick Drive, Knightdale NC 27545

MYRICK DOWNS

This charming, well-maintained home is located on a quiet cul-de-sac in Knightdale. It’s conveniently located with easy access to I-540, Highway 64, and tons of shopping. The sellers have loved this home and have updated it from head to toe… the before and after pictures of the kitchen alone are JAW-DROPPING!

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Entry

Gorgeous wood floors and an updated kitchen with a breakfast nook that looks out over a private backyard. Look at the handcrafted counters!

 

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Kitchen
before kitchen
BEFORE
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AFTER
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Private Backyard

The spacious family room with crown molding, fireplace, and a ceiling fan opens to deck and large backyard.

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Family Room
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Deck overlooking private backyard

The separate dining room could also be used as an office, but is a beautiful formal dining room!

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Formal Dining Room

The upstairs has a master suite and two additional bedrooms. The master bedroom has cathedral ceiling and large walk-in closet.

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Master Bedroom
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Master Bath

This is a house that you MUST SEE… A great price in a convenient location! Both the roof and the HVAC have been replaced in the past 2-3 years. Schedule a showing today!!!

SEE VIRTUAL TOUR HERE!!

Directions: Take 540 East to Highway 64 East. Right on Smithfield Road. Right on First Avenue. Left into Myrick Downs. Right on Heathwick. Home at end of cul-de-sac.

Map

If you are interested in seeing this home or others like it, please contact our office at
919-518-8182 to speak to a buyer’s specialist.  If you are considering selling your home
and would like some honest, professional, and experienced guidance,
please contact Joe Ward at 919-518-8182 or joe@joeward.net.

Connect with us on social media to learn more about our team and
how we can help you find your new home!

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Selling Your Home By Yourself?

If you are considering trying to sell your home on your own, you may want to consider the following facts regarding selling your home by yourself (FSBO).

EXPOSURE TO BUYERS

The days of looking at print newspaper ads to buy a home are over… Recent studies show that 92% of buyers search online for a home. You may not be equipped to promote your home on the internet, but a good real estate team should have an internet strategy to get your home out to as many buyers as possible.

 

FSBO ARE BECOMING MORE AND MORE DIFFICULT

 

The paperwork in buying and selling a home has increased dramatically as industry disclosures and regulations have become mandatory. This is most likely why FSBOs have dropped from 19% to 9% over the last 20 years.

 

THERE ARE TOO MANY PEOPLE TO NEGOTIATE/DEAL WITH

 

Here are just a few of the people with whom you must be prepared to negotiate/deal with if you decide to FSBO:
  • The buyer who wants the best deal possible
  • The buyer’s agent who solely represents the buyer and their best interests
  • The buyer’s attorney
  • The home inspection companies which work for the buyer and will almost always find SOMETHING wrong with your home
  • The appraiser if there is a question of value
  • Your bank if there is a short sale

YOU NET MORE MONEY WHEN YOU USE A LISTING AGENT

Many homeowners believe that they will save money if they sell their home themselves. They don’t take into consideration all of the professional pictures and marketing that cost more money. If you are thinking that you will save money on commission, remember that the main reason buyers look at FSBOs is because they ALSO believe that can save the real commission. You can’t BOTH save the commission!

BOTTOM LINE

Before you decide to take on the challenges of selling your home on your own, sit down with us to see what we have to offer. We are happy to discuss our marketing strategies and develop a plan to sell your home. You will see that with everything we can offer, letting us sell your home for you will just make sense!

If you are considering selling your home and would like some honest, professional, and experienced guidance,  please contact Joe Ward at 919-518-8182 or joe@joeward.net.

Connect with us on social media to learn more about our team and
how we can help you find your new home!

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2400 Clerestory Drive, Raleigh NC 27615

SOLD IN ONE DAY!!!!!!!

3 Bedrooms, 2 1/2 Baths 1,713 sqft
$220,000
2400 Clerestory Drive, Raleigh NC 27615

THE POINT AT LEMUEL

If you haven’t seen this great little neighborhood off Litchford Road, then you need to jump in your car right now! We just recently sold another home in this neighborhood in less than a week with 20 showings in the first active weekend!!! It’s a great North Raleigh location with easy access to I-540 and shopping.

This particular home is an adorable, well-maintained homes with a covered front porch on a cul-de-sac.

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When you walk in the front entry, you can walk straight back to the open family room and kitchen or you can go right into a multi-purpose room. The current owners are using it as an office/den. It could also be a formal living room or formal dining room. It’s a good size to use for whatever purpose best serves your family.

The family room/kitchen/breakfast room is a wonderful living space which is open with a lot of natural light. The family room opens to a nice deck. Hardwoods through the foyer, family room, and current office.

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Upstairs there is a master bedroom with a trey ceiling, two additional bedrooms, and a large bonus room with built-ins.

This house is a MUST SEE… the price is right, in a great location, and in great shape! The home has a new hot water heater and new carpet on the second floor.

Directions: North on Falls of Neuse Rd. Right on Litchford Rd. Left on Lemuel Dr. Right on Clerestory. Home will be on your Right.

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If you are interested in seeing this home or others like it, please contact our office at
919-518-8182 to speak to a buyer’s specialist.  If you are considering selling your home
and would like some honest, professional, and experienced guidance,
please contact Joe Ward at 919-518-8182 or joe@joeward.net.

Connect with us on social media to learn more about our team and
how we can help you find your new home!

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9200 Ranworth Way, Raleigh NC 27615

4 Bedrooms, 3 1/2 Baths 3,640 sqft
$574,900
9200 Ranworth Way, Raleigh NC 27615

REEDHAM OAKS

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It’s another beautiful home in the highly desired Reedham Oaks subdivision listed by the Joe Ward team. The last one sold in 7 days! LOCATION, LOCATION… Close to I-540, airport, North Hills, and RTP. You can even walk to Whole Foods!

The beautiful, updated kitchen has maple cabinets and a bright breakfast area that looks out on to the deck.

Kitchen 3Kitchen 2Breakfast Area 1

The kitchen opens into a spacious family room that has full glass accordion doors that open to a huge screen porch. Perfect for these warm spring days!

Family Room 3Open Door Family Room 1

The master retreat with a sitting room is a perfect way to end your day… The completely update master bathroom is absolutely like being at a spa!!!!

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Master Full Bath

Master Bath Shower

There is so much more to see in this gorgeous home… there is just too much to show in one blog!!

Watch the VIRTUAL TOUR and schedule an appointment to see it today!

Directions: North on Six Forks past Strickland Road. Right on Reedham Oaks into subdivision. Left on Storrington. Left on Ranworth.

If you are interested in seeing this home or others like it, please contact our office at
919-518-8182 to speak to a buyer’s specialist.  If you are considering selling your home
and would like some honest, professional, and experienced guidance,
please contact Joe Ward at 919-518-8182 or joe@joeward.net.

Connect with us on social media to learn more about our team and
how we can help you find your new home!

 

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4205 Field Oak Drive, Wake Forest NC 27587

4 Bedrooms, 3 Baths 2,962 sqft
$395,000
4205 Field Oak Drive, Wake Forest NC 27587

MAJESTIC OAKS

This beautiful home in Majestic Oaks is now active! The foyer opens up to both a dining room and an office with french doors and plenty of natural light. The hardwood floors are throughout the main level.

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The open family room and kitchen is perfect for a family and entertaining!

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Off the breakfast area is a fabulous screened in porch that also has windows installed to make it usable as a sun porch too.

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There is one bedroom downstairs with a full bath. The master bedroom and two additional bedrooms are located upstairs. There is also a utility room and a large bonus room.

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One of the upstairs bedrooms

There is also a 3rd floor walk up attic that is perfect for storage or could even be finished to be an additional bonus room. This home shouldn’t last long… It’s conveniently located near Heritage and The Factory.

Click here to see the VIRTUAL TOUR!

Directions: From US 1 North, turn right on US 1A, then right on Rogers Road. Majestic Oaks subdivision is on the left.

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If you are interested in seeing this home or others like it, please contact our office at
919-518-8182 to speak to a buyer’s specialist.  If you are considering selling your home
and would like some honest, professional, and experienced guidance,
please contact Joe Ward at 919-518-8182 or joe@joeward.net.

Connect with us on social media to learn more about our team and
how we can help you find your new home!

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Our “Coming Soon” Listings!

The “Coming Soon” status in our Triangle Multiple Listing Service is a great tool for listing agents to promote interest in their new listings, but it is also a great way for buyers to see what is going to be coming on the market that may be their perfect match! It requires you to have a buyer’s agent who is on top of things and keeping an eye on the local market for you.

In this time of low inventory in the Raleigh market (and elsewhere), our team has a nice amount of listings that is growing by the day. Below are three new listing that will be active in the next week or two! (Professional photos are in process and will be available as soon as possible!)

4205 Field Oak Drive, Wake Forest NC 27587
$395,000
Majestic Oaks

Field Oak

This home should go active in the next couple of days! Majestic Oaks is a great neighborhood located off Rogers Road just minutes to Heritage and the Factory. Very private street with little traffic.

This beautiful home has hardwood floors throughout the main level with an open kitchen and family room that opens out to a nice screened porch. A formal dining room with butler’s pantry, an office that closes off with french doors and a guest room with full bath finish off the first floor. Upstairs there is a huge master retreat with two sitting areas and large walk-in closets. This home would be great for a family, so keep an eye on it coming active very soon!!!

For more information on this listing, please call out 24-hour recorded line at 1-800-316-1773 (ext. 7051).

9200 Ranworth Way, Raleigh NC 27615
$574,900
Reedham Oaks

Ranworth

Showings are scheduled to start on 9200 Ranworth Way on March 25th! This is a highly desirable North Raleigh neighborhood that is close to I-540, the airport, North Hills, and RTP. You can even walk to Whole Foods and other retail shops. We sold a house around the corner from this one last month in 7 days!

This home has a beautiful, updated kitchen with maple cabinets and a breakfast area. The kitchen opens into a family room with  built-ins and looks out to an AMAZING screened porch. Upstairs there is a huge bonus room with a separate staircase. The large utility room is on the second floor as well as master retreat with sitting area and completely updated master bath. There is also a 3rd floor suite with a full bath and a walk-in attic.

For more information on this listing, please call out 24-hour recorded line at 1-800-316-1773 (ext. 7710).

2400 Clerestory Place, Raleigh NC 27615
$220,000
The Point of Lemuel

Clerestory

Showings are scheduled to start at 2400 Clerestory Place on March 26th! This is a great Raleigh location off Litchford Road. We also had another home in this cul-de-sac for sale recently and after 20 showings the first weekend, it went under contract in just 7 days!! (DO YOU NOTICE A TREND HERE??????)

This adorable home with a covered front porch has an open kitchen and family room. There is a separate living room which could also be used as an office. The large bonus room has built in shelves. Many updates including a new water heater and new carpet on the 2nd floor. Keep this listing on your radar, because at this price and in this location, it will go quickly!!!

For more information on this listing, please call our 24-hour recorded line at 1-800-316-1773 (ext. 7131).


If you are interested in seeing any of these homes or others like it, please contact our office at 919-518-8182 to speak to a buyer’s specialist.  If you are considering selling your home and would like some honest, professional, and experienced guidance, please contact Joe Ward at 919-518-8182 or joe@joeward.net.

Connect with us on social media to learn more about our team and
how we can help you find your new home!

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10701 Round Brook Circle, Raleigh NC 27617

These updated pictures and virtual tour let you see even more of the wonderful features of this home! Contact us today with any questions!

Realtor's Guide to Raleigh

6 Bedrooms, 5 1/2 Baths 5,101 sqft
$799,896
10701 Round Brook Circle, Raleigh NC 27617 

BRIER CREEK

Gorgeous Executive Home on the 18th Tee in Brier Creek. Easy Walking Distance to the Clubhouse. Perfect home for a family who enjoys spending time outside or anyone who wants to live near the Brier Creek Country Club.

The gourmet kitchen will bring you joy to cook in!! With a large island, gas range, and granite countertops, it is a bright room where family and friends can gather.

The kitchen and breakfast room are open to the spacious family room with tons of natural light and a gas fireplace.
The dining room is also a great room for entertaining guests! The neutral paint colors throughout the house will complement any color scheme.
dining room
The master suite boasts three closets and a large master bath.
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This immaculate home also includes a 3rd floor suite perfect for a nanny…

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Leverage in Real Estate

Leverage gives the user a maximum advantage whether it is physically lifting a large object or rapidly building equity in a home. In the case of the home, the high loan-to-value mortgage allows the profits made to be greater than simply the cash invested.

A $250,000 home can be purchased on a FHA loan with a 3.5% down payment of $8,750. If the home appreciates at 2% a year, in seven years the equity will grow to $75,920 due to the appreciation and the amortization of the mortgage. That would be a remarkable 36.2% rate of return.

It is estimated that homeowners have a 45 times higher net worth than renters. Since the obvious difference is that renters don’t own a home, owning a home is a distinct advantage. The leverage that allows a borrower to control a much larger asset with a small down payment gives them a return on the much bigger asset than on just the down payment.

Another interesting contribution is the forced savings that occurs with each payment made on the mortgage. A portion of the payment is applied to principal so that the loan will be paid in full by the end of the term, usually 30 years. The amortization on the 4% mortgage example from above has approximately $4,300.00 paid in the first year to reduce the principal which increases the owner’s equity in the home.

For people who have the necessary funds for the down payment and good credit, buying a home can be a financially stabilizing event. While research on the Internet can provide valuable information, there is no substitute for having a face-to-face meeting with a trusted professional to determine your specific facts.


As a Residential Finance Consultant, I have the training and experience to provide solutions to make homes more marketable and help structure favorable transactions.  Please forward this article to your friends or family who could benefit from it.

We are a real estate team who cares about our clients. If you are considering selling your home and would like some honest, professional, and experienced guidance, please contact Joe Ward at 919-518-8182 or joe@joeward.net.

Connect with us on social media to learn more about our team and
how we can help you find your new home!

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Salt & Lime Cabo Grill

Writing this review brings me so much joy because I have loved this restaurant with a hot intensity since they opened just over two years ago. I have celebrated friends’ birthdays and Mother’s Day and ACC tournament games and even business lunches while admittedly rarely ordering anything except “my usual.” I always go in with the best intentions of ordering something different and somehow the words just won’t come out differently!

IF IT AIN’T BROKE… and let me tell you, it most definitely ain’t broke! The chips and salsa start off your meal with a spicy kick. I am a salsa snob and I think they have one of the best salsas around. Very fresh! The Cabo Rolls with spicy ranch and the Braised Short Rib Tacos always end up being in my belly when I leave. They are both to die for and I would be a horrible friend if I didn’t tell you that you must try them both. IMMEDIATELY.

Check out the menu here!

While the restaurant is located at the end of North Ridge Shopping Center (Cafe Tiramisu and North Ridge Pub have just conveniently moved in next door), you don’t feel like you are in a “strip mall” when you enter the restaurant. It’s beautifully decorated to give you the California Baja feel with vibrant colors and fun wall art. There’s a small patio that is also fun (I could say that I have spent more than a couple of nights out there with a few friends trying every margarita on the menu, but I wouldn’t want to incriminate myself).

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I have been a big supporter of Salt & Lime Cabo Grill ever since I heard that a husband and wife who had worked in the food service industry for many years had decided to go after their dream of opening their own restaurant. I love a Cinderella story… It’s tough in Raleigh with the amazing food scene we have, but after two years they are still making it work! I was just there for lunch last week with a business partner and I was so happy to see that so many other people believe this to be one of North Raleigh’s best treasures too!

Ken & Katie Smith are the owners of Salt & Lime and are proud supporters of local farmers. They do such a great job of mixing old Mexico with new, modern and fresh flavors. And how can you not support a couple who wrote on their website, “We are passionate about our food, our margaritas and creating smiles with our friends.” Seriously? I think they should be my best friends… Plus they created the Pineapple Stinger margarita (and were kind enough to put it on the menu since it was just a special in the early days)! How can you not love these people?

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Pineapple Stinger Margarita

I think it’s obvious that I can tell you, unequivocally, that this restaurant is worth trying. And don’t blame me when you fall in love… Because you will.

If you need a specific reason, then just think Margarita Monday, Taco Tuesday, Wine Wednesday… you get the picture. They also have live music which really livens up the atmosphere. Not to mention how just darn NICE everyone working there is! I hope you will try it out and then let us know what you think!!!!

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Do you see the love in my eyes

 Salt & Lime Cabo Grill
6006 Falls of Neuse Road, Raleigh NC 27609


 

This review was written by Valerie DeLoach of the Joe Ward team. Go like her page on Facebook to get her newest blogs. She was not paid or given anything in return for this endorsement… she just genuinely loves this North Raleigh HOT SPOT!!!!!!!

We are a real estate team who cares about our clients. If you are considering selling your home and would like some honest, professional, and experienced guidance, please contact Joe Ward at 919-518-8182 or joe@joeward.net.