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Resources: Sonoma County, Sonoma Valley and Sonoma California home buying, real estate listings, and homes for sale in Sonoma County, CA

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REAL ESTATE RESOURCES:

	Special Offers: Special offers for Sonoma County, Sonoma Valley and Sonoma homeowners from Pat and Norm Brown, top Realtors
	Special Free Reports: Special Free Reports for Sonoma County, Sonoma Valley and Sonoma homeowners from Pat and Norm Brown, top Realtors
	Who We Recommend: Who We Recommend
	eNewsletter: Pat and Norm Brown's Sonoma County, Sonoma Valley and Sonoma newsletter email will send you the latest real estate information
	Today's Real Estate News: Daily real estate news for this neighborhood, California, and United States
	Market Conditions Report: Market conditions report for this area, California, and United States
	Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
	How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
	Determine Tax Savings: Calculate how much your monthly Sonoma County, Sonoma Valley and Sonoma California mortgage payments save you on your taxes because of loan interest
	Should You Rent or Buy?: Is it better to rent a home in California or buy your own Sonoma County, Sonoma Valley and Sonoma house, ranch, luxury property, condominium, acreage, or other real estate?
	Adjustable Rate Mortgages: Adjustable rate Sonoma County, Sonoma Valley and Sonoma mortgages information and interest rate java calculator
	What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
	Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
	Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
	15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
	How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
	What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
	Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
	TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other California real estate
	Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
	Ask Anything: Ask Pat and Norm Brown anything real estate
	NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agentss and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
	Real Estate Tips: Pat and Norm Brown's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
	Real Estate Trivia: Pat and Norm Brown's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
	Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Sonoma County, Sonoma Valley and Sonoma property in California, including legal terms definitions, and more

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Self Employed >Moving And Taxes

Even with the changes in tax laws over recent years, you may be able to deduct some of the expenses of a move that is the result of a change in your job.

You will probably be able to deduct the costs of your move if your new work location means more than an additional 50-mile commute, if you move within a year of taking the job at the new location, and if you work full-time for at least 39 weeks (the total is 78 weeks if you are self-employed). You should keep meticulous records of all of your expenses and consult a tax expert to make sure that you take all the lawful tax deductions allowed by the IRS criteria for expenses related to selling your old home or buying your new one. The IRS publication No. 521 entitled "Tax Information on Moving Expenses" makes good reading before you make a move.

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Q	What does the term Curb Appeal mean?
A	This term describes how homes look from the street; this first impression is very important to prospective homebuyers.
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Pat and Norm Brown, REALTOR®, real estate agents and broker for Sonoma County, Sonoma Valley and Sonoma California home listings, property and land for sale - NUMBER1EXPERT(tm)

Pat and Norm Brown
Frank Howard Allen Realtors
470 First Street East
Sonoma, CA. 95476
707-939-2043
707-939-2505
707-484-7159
Fax: 707-939-2044
Email: pat-brown@NUMBER1EXPERT.com
Pat Brown is one of America's NUMBER1EXPERTS™ in the Sonoma area. Since obtaining her California Real Estate License in 1989, she was awarded Sales Person of the Year in 1991 for Keegan & Coppin Co. Sonoma office, was the Frank Howard Allen Realtors Wine Country Group #1 "Top Producer" for five consecutive years (1996-2000),and received the Chairman's Circle of Excellence distinction for top production between 1999 and 2005 from that same company. Pat says that her my real job satisfaction comes from helping people buy and sell their homes..."I care about people, I work hard, I get results, and I help my clients have a little fun throughout the process of buying or selling a home."

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