PUT AN INSIDER TO WORK!

Home ownership has been called The American Dream. And yet, while 7 out of 10 Americans are either directly impacted by a disability, or know someone who is, only 7 percent of all adults with disabilities are homeowners. What's wrong with this picture?

Fortunately, homeownership is beginning to grow among this segment of our population, encouraged by the development of special programs aimed at helping those with disabilities to finance a home. And why not? These families have the same qualifications and dreams as anyone else.

It's just that their needs are different, and a trusted real estate professional can be an excellent resource in finding a home in a community that offers the features and benefits most suited to those needs. "Location, location, location" becomes even more critical when you factor in the need for proximity to special-education schools, medical facilities, accessible transportation and recreational activities.

When facing relocation to a new area, it can be overwhelming for almost anyone to discover information about these resources, but it's an especially challenging search for the disabled and their families. Because of their involvement in the local community, active real estate agents have an insider's knowledge of the resources and support available for families with special needs. When faced with the excitement and anxiety of such a move, turn to an experienced professional for assistance.

Make it Legal!

Millions of people each year move from one state to another. Reasons for relocating range from a new job to retiring to simply better housing. The financial and personal impact of buying and/or selling a home can be enormous. One aspect you should fully understand before making a big move is the tax implications.

Real estate agents are not financial advisors, but they do know a thing or two about what to do before relocating. At the top of the list is to legally change your state of residence and determine how that affects taxes on income, property, and your estate.

Once you're a legal resident of your new home state, you can apply for incentives like homestead exemptions (if available). Also make sure you've updated the address on your credit report. Investigate how the enforcement of certain legal documents like wills and powers of attorney might change because of the change in residence.

Rules are different from state to state, and many experts suggest trying to make your move as early in the year as possible in order to minimize the impact. Tax returns can be confusing when you're claiming part-time residency in two different states during the year you move. Trust a real estate professional to help with selling, buying and moving, and seek advice from a tax consultant about the financial implications.