If you feel that you are ready to buy a home, you should consider the financials before you look. That way, you aren’t going to be disappointed when you apply for financing after mistakenly looking above your budget. Here are six steps to make sure you are in the right ballpark: Know your lender’s ratios. Calculate your front-end ratio maximum payment....
Read MoreIf you’re legitimately working at home and aren’t trying to con the system, you should be able to claim your home office deduction fair and square without fear of an audit red flag. More and more people are working from home so the IRS has tried to take the fear out of this deduction by making things a little easier. The important points are: You must designate...
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A group from JMA attended the Seneca Diabetes Foundation’s 12th Annual Chairman’s Ball held on February 3rd. JMA was a proud supporter of this event. To learn more about the Seneca Diabetes Foundation, get event information, or if you’d like to donate to the cause, visit senecadiabetesfoundation.org or...
Read MoreAn alarming percentage of Americans do not have a will. This may be the result of confusion on what having a will means and whether or not it’s worth the cost. Another factor, may be that people simply don’t want to think about their death. If you are among those people without a will, there are some things you should consider. Namely, without a will,...
Read MoreAn alarming percentage of Americans do not have a will. This may be the result of confusion on what having a will means and whether or not it’s worth the cost. Another factor, may be that people simply don’t want to think about their death. If you are among those people without a will, there are some things you should consider. Namely, without a will,...
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