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Todd Ballenger
Chapel Hill, NC
Increasing Your Standard of Living Daily!
Recent Activity
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According to a survey released last month by America Saves and the American Savings Education Council (ASEC), just 35% of Americans feel they are making good or excellent progress in saving money. Nearly two-thirds (63%) say they're making fair or... Continue reading
Posted May 6, 2014 at Borrow Smart Repay Smart
Retirement confidence seems to have improved from record lows over the past five years, according to the 24th Annual Retirement Confidence Survey (RCS) cosponsored by the Employee Benefit Research Institute (EBRI) and Greenwald & Associates. In early 2014, 18% of... Continue reading
Posted May 6, 2014 at Borrow Smart Repay Smart
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Everything goes up when everything goes up. In this last quarter, Cash, Bonds, Equities, House Values, Mortgage Balances and Consumer Credit Balances all increased. Continue reading
Posted Jan 3, 2014 at Borrow Smart Repay Smart
Several changes have been made to the federally insured Home Equity Conversion Mortgage (HECM) reverse mortgage program to shore up the viability of the program. The changes are generally designed to improve the odds that homeowners taking out a reverse... Continue reading
Posted Jan 2, 2014 at Borrow Smart Repay Smart
Posted Oct 16, 2013 at Borrow Smart Repay Smart
The White House announced on July 2, 2013, that it would delay implementation of the health insurance mandate for mid-sized and large employers, as well as reporting requirements for these same employers and health insurers until 2015. In separate blog... Continue reading
Posted Jul 10, 2013 at Borrow Smart Repay Smart
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Want to make money in the market investing... guaranteed? Stay long term focused... Continue reading
Posted Jun 20, 2013 at Borrow Smart Repay Smart
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Overview of key numbers from tax rates, to estate taxes, this has it all. Download 2013 Key Numbers: Continue reading
Posted Jan 30, 2013 at Borrow Smart Repay Smart
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Due to the changes in the tax law prompted by the recently enacted American Taxpayer Relief Act of 2012 (ATRA), the IRS has announced it will begin accepting 2012 tax filings on January 30. The IRS had anticipated a January... Continue reading
Posted Jan 10, 2013 at Borrow Smart Repay Smart
The American Taxpayer Relief Act of 2012 (ATRA), enacted to avoid the fiscal cliff, includes two provisions that may be important to certain IRA owners and retirement plan participants. The first extends tax-free charitable contributions from IRAs through 2013, and... Continue reading
Posted Jan 9, 2013 at Borrow Smart Repay Smart
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The new year began with some political drama, as last-minute negotiations attempted to avert sending the nation over the "fiscal cliff." Technically, we actually did go over the cliff, however briefly, as a host of tax provisions and automatic spending... Continue reading
Posted Jan 3, 2013 at Borrow Smart Repay Smart
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As the holiday season approaches, with the end of one year and the start of another, we pause to give thanks for our blessings and the people in our lives. It is also a time when charitable giving often comes... Continue reading
Posted Nov 28, 2012 at Borrow Smart Repay Smart
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For October, 37 states and the District of Columbia saw unemployment rate declines, 7 states had increases, while 6 had no change. Year-over-year, 42 states plus the District of Columbia recorded unemployment decreases. Because Housing and Jobs are so closely... Continue reading
Posted Nov 27, 2012 at Borrow Smart Repay Smart
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For the week ending Novemeber 10, initial jobless claims jumped 78,000 to an 18-month high of 439,000. In the aftermath of Hurricane Sandy, the one-week increase in jobless claims was the largest since 2005, when Hurricane Katrina hit the Gulf... Continue reading
Posted Nov 16, 2012 at Borrow Smart Repay Smart
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Every October, the College Board releases its Trends in College Pricingreport that highlights college cost increases for the current academic year along with trends in the world of higher education. While costs can vary significantly depending on the region and... Continue reading
Posted Nov 6, 2012 at Borrow Smart Repay Smart
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learn more at: http://www.mortgagesuccesssource.com Continue reading
Posted Oct 25, 2012 at Borrow Smart Repay Smart