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LETS ALL HOPE THE ECONOMIC CLIMATE FOR 2010 WILL IMPROVE ...............

The “What Ifs” of an Economic Downturn

The Internal Revenue Service recognizes that many people may be having difficult times financially. There can be a tax impact to events such as job loss, home foreclosure and short sales or tapping a retirement fund. If your income decreased, you may be newly eligible for certain tax credits, such as the Earned Income Tax Credit.

If you believe you may have trouble paying your tax bill contact the IRS immediately. There are steps to help ease the burden. You also should file a tax return even if you are unable to pay so you can avoid additional penalties.  READ FULL SUGGESTIONS FROM OUR FRIENDLY IRS

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CHRIS SAYS Some interesting statistics

Sales: While sales are soft they are still increasing.  A small price recovery is expected by the fourth quarter of 2009.  Affordability is better now than it was in 2006. The inventory of existing homes is going down. (This is a key factor in price. As inventory declines, price goes up.)

Housing:  Markets Nationally 

Sales of Existing Homes.

     National Down   29%  as of September 2008 from September 2005 peak.

     National  Up 1.4% 12 month from September 2007 and ending in September 2008. 

Prices of Existing Homes.

    Median National Down  17% as of July 2008 from July 2006 peak.

    Median National Down  9% 12 month from September 2007 and ending September 2008. 

Sales of New Single Family Homes.

   National Down  65 % as of September 2008 from March 2005 peak.

   National Down  34 % for 12 month from August 2007 and ending  August 2008. 

Current Factors Impacting Market.

  Traffic, Prices, Incentives,  Foreclosures,  Overdue Mortgages.

Upside Down Mortgages.

    2006 at  4%

    2007 at  6%

    2008 at 16%

[ SUSAN TAYLOR MARTIN | Times]     Real estate investor Mark Lepzinski bought this Madeira Beach duplex in 2004 for about $153,000 and sold it months later for $409,900.

Market leaves housing flippers flopping Susan Taylor Martin, St Petersburg Times senior correspondent, July 6, 2008 At the peak of the real estate boom, they inspired TV shows, how-to Web sites and the envy of friends and neighbors. Then the tumbling economy snagged "house flippers'' like Mark Lepzinski of Clearwater. After 36 whirlwind months buying and selling dozens of homes throughout the Tampa Bay area, Lepzinski, 50, declared bankruptcy this year. Debts: $1.55-million.   READ THE STORY

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