Here’s something almost every client who’s been new to investing has had to learn. It’s so simple I think folks don’t see it, even though it tends to hide in plain sight. Since newly acquired depreciation is akin to having a new kid or four, why wait ’till April for the benefits? If you’re an employee and not an independent contractor, simply talk to those in charge of your paycheck, usually Human Resources. (I think)
Your CPA can tell ya how many exemptions to add. The increased exemptions act to swell your take home pay. It all comes out in the wash at tax time, the same as it would if you indeed had a set of quadruplets. 
Why on earth would ya wanna lend Uncle Sam YOUR money at 0% interest if an easy as pie errand like walkin’ down the hall at work transfers those dollar$ from his coffers to yours?
Have a self directed IRA? Wanna buy something besides the huge losers who’ve been suckin’ you dry like a starvin’ vampire? Have your IRA buy some income property. It’s now easier than you’d think, and there are lenders who love to lend to IRA’s, really. At roughly 30% down, just over 3% appreciation yields a double digit capital growth rate. And yes Gertrude, there are regions showing gains in property value.
Are you in the military with solid credit and enough cash for either just closing costs, or only 3.5% down? (FHA is an option too.) Then you should strongly consider talking with a VA lending specialist — and surprise, surprise I just happen to know THE VA specialist in Southern California. Send me a note or give me a buzz and we’ll hook you up. Most of our military, both active and retired haven’t taken advantage of VA lending programs. Buyin’ a duplex or fourplex is a killer way to go, especially for 20-something officers.
Are you San Diego Naval officers listening?
Have a question about your current situation? 619 889-7100 will find me. Or you can dash a quick note to me. Either way, we’ll take care of ya. Have a good one.
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