Daylight savings ends November 2nd and it's time again to move your clocks backward one hour. You've heard that every six months when you "fall backwards", it's a good time to change the batteries in your smoke or carbon monoxide detectors, flip your mattresses and replace screens with storms windows. But did you also know that computer experts recommend changing your passwords to critical computer and online areas twice a year as well?
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And after the time change, please continue to think of us for all your Realtor® needs!
Brittany Stewart
Elite Realty Group of Jacksonville
www.brittanystewart.com
Great News for Jacksonville Military Personnel! 
The House of Representatives voted unanimously Monday to extend the deadline for the home buyers' tax credit for one group of Americans.
HR 3590 will allow eligible military personnel and foreign service and intelligence officers to apply for the $8,000 tax credit for one year beyond its current November 30 deadline. Those meeting the underlying requirements for the credit must also be serving overseas or have spent at least 90 days deployed outside of the country during the current calendar year. It is expected that about 350,000 military personnel and an unknown number of federal employees may be affected by the new law.
The bill, introduced by Representative Charles Rangel (D-NY) because it was thought that families serving overseas were being passed over for this one-time opportunity to purchase a home. It passed the Housed passed with 416 votes and 16 abstentions. 
8,000 Reasons to Buy Your First Home Now!
Thinking about buying your first home? Act today and the government will give you FREE money in the form of a tax credit or a down payment. NO, you're not dreaming! As part of its plan to stimulate the U.S. Housing market and address the economic challenges facing our nation, Congress has passed legislation that grants a tax credit of up to $8,000 to first time homebuyers. And those who qualify for the federal $8,000 tax credit will be able to apply for down payment assistance through the state of Florida or the Federal Housing Administration (FHA) before they close on the purchase of their home; then repay the amount borrowed when they get their tax credit.
Q What Does This Mean to You?
A: It means $8,000 toward a down payment!You have until November 30, 2009 to find a home, secure financing and close the transaction to receive your $8,000 tax credit/down payment assistance. For most buyers, this means that you should find a home prior to October 16th, 2009 to allow sufficient time to close your loan before the deadline.
Q: Who Qualifies?
A: First-time homebuyers who purchase homes between January 1, 2009 and December 1, 2009. To qualify as a "first-time home buyer" the buyer or his/her spouse may not have owned a residence during the three years prior to the purchase.
Q: Which Properties Are Eligible?
A: The 2009 First-Time Home Buyer Tax Credit may be applied to primary residences including : single family homes, condos, townhomes and co-ops.
Q. How Much Will the Credit Be?
A: The maximum allowable credit for homebuyers is $8,000. Each homebuyer's tax credit is determined by two factors:
The price of the home-the credit is equal to 10% of the purchase price of the home, up to $8,000.
The buyer's income-single buyers with incomes up to $75,000 and married couples with incomes up to $150,000-may receive the maximum tax credit.
Q: If the Buyer(s)' Income Exceeds These Limits, Can He/She Still Get a Credit?
A: Yes, some buyers may still be eligible for the credit. The credit decreases for buyers who earn between $75,000 and $95,000 for single buyers and between $150,000 and $170,000 for homebuyers filing jointly. The amount of the tax credit decreases as income approaches the maximum limit. Homebuyers earning more than the maximum qualifying income-over $95,000 for singles and over $170,000 for couples-are not eligible for the credit.
Q: Will the Tax Credit Need to Be Repaid?
A: No. The buyer does not need to repay the tax credit, if he/she occupies the home for three years or more. However, if the property is sold during the three year period, the credit will be recouped on the sale.
For more information on how you can cash in on your new home, call Brittany Stewart with Elite Realty Group of Jacksonville at (904) 254-0798 email: britttanystewarthicks@ gmail.com
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Occasion Gift Baskets: Jacksonville's Best!
If you're in a pinch to brighten someone's day, a gift basket is the perfect fix!
To start your order, Kim will begin by speaking with you about the occasion you are requesting a basket for, particulars and specifics that you request and your budget to build a basket. These baskets can be as ornate or as simple as you choose.
Baby showers, wedding gifts, closing baskets, job promotions, birthdays, Valentine's Day, you name it! They can create it. The basket's contents will include top of the line products. Kim personally chooses the contents as if she was making the basket for herself. These aren't things that you'll find in your average grocery store. Occasions takes the time to research quality items to add to you basket.
I personally like to give my new homeowners a basket filled with items they may need throughout the move in. A family basket could also include items such as a movie, movie theater candy, popcorn, etc to keep the kids occupied while Mom and Dad handle the daunting task of move in. Theres nothing like them finding a new welcome basket in their new home! 
Also, for a new mother, why not pamper her with a basket for herself and baby. New mom baskets can include spa products, a robe, and massage items to help her relax. New Dad baskets are also available. Occasions has completed basket gifts for clients like Marriot and Bank of America. Whether it be for an individual or a whole team, the can accommodate. Their customer service is phenomenal and you can rest assure that you will be 100% satisfied with your gift basket!
Whatever the needs, Occasions can do it! For a consultation or free brochure call Kim at next event at (904) 469-9999. Jacksonville, FL
For additional info on Jacksonville's Best Small Businesses, feel free to contact Brittany Stewart at Elite Realty Group of Jacksonville. www.brittanystewart.com
Specializing in Southside, Northeast Jax, Intercoastal West, The Beaches, Mayport and new constuction. www.brittanystewart.com
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