💰Save $ on Filing Federal Taxes 💰
    

Chances are that if you're expecting a refund, you're already considering filing your federal tax return for 2023. While there are plenty of options for preparing your return, over 66 million Americans decided on the DIY option last year. While many chose this route because their return was simple, others wanted to save money.

If you're one of the frugal tax filers, you may want to consider Free File, an IRS program that's been designed to enable around 70% of the nation's taxpayers to file their federal tax returns free of charge. Each year, the income threshold for eligibility is adjusted so that around 70% of the nation's taxpayers qualify. For tax year 2023 (those we're preparing to file now), you can qualify to use Free File if your adjusted gross income maxes out at $79,000.

Free File is a partnership between the IRS and many tax preparation and filing software industry companies who provide their online tax preparation and filing for free. It provides two ways for taxpayers to prepare and file their federal income tax online for free:

Guided Tax Software provides free online tax preparation and filing at an IRS partner site. Generally, you'll be able to choose from at least two different partners. This option may also offer preparation in Spanish. Accessing partner providers through the IRS.gov site helps ensure you're not landing on a page that appears to offer free tax filing but pulls a switcheroo.

Free File Fillable Forms are federal tax forms, equivalent to a paper 1040 form. If this is more your style, keep in mind that you should know the basics of preparing a return, including which IRS publications apply to your situation. Unlike the Guided Tax Software option, there's no income limit for this option.

While there's nothing wrong with using a paid online tax application, some users have complained that the costs aren't always clear until they're ready to hit the E-File button. For example, at least one tax software provider allows users to pay the basic preparation and E-File fee from their refund...but charges them a hefty fee when they choose this option. nerdwallet.com

Smart Money Moves for the Year of the Dragon

We hope you're faring well and staying optimistic. Together, we have weathered a challenging couple of years, and it feels good to finally see the dawn of a promising new year, as the Lunar New Year celebrations usher in the resilient Year of the Dragon.

It's not just the turn of a new year; it's also a chance to pivot our perspectives and prepare for brighter days. As we continue to shake off the dust from the inflation that has left its mark on our financial landscapes, let's talk about three smart money moves that can help you regain your footing.

Firstly, it's time to show some love to your emergency fund. Last year, the inflation saw us dipping into our nest eggs more frequently than we'd have liked. With the economy on its way to recovery, let's work towards nurturing this fund once again. Even small, regular contributions can be effective as they accumulate!

Next up, let's tackle high-interest debt. During the inflation period, we leaned heavily on our credit cards, and it's high time to even out those balances. Focus on the accounts with the highest interest rates first. It doesn't matter how slow you go, as long as you don't stop.

Lastly, let's revisit our retirement contributions. Whether it's a 401(k) or an IRA, it's essential to make sure you're optimized for maximum returns. If you're new to the workforce, starting early is a great strategy, especially with employers offering matching contributions.

Remember, strengthening your financial wellness is a journey, not a sprint. You are not alone on this road, and together, we'll make the year of the Dragon roar with prosperity. Let's make 2024 our year of smart money moves! kiplinger.com

Multi-Unit Investing Just Got Easier

We've got some exciting news to share with you about making your homeownership dreams come true while becoming the savvy investor you've always wanted to be!

An increasing number of homebuyers are tapping into the benefits of buying a multi-unit property such as a duplex or triplex. Previously, these purchases required hefty down payments and a complex approval process. But now, there's good news for everyone who's ever considered owning and managing a multifamily property.

We're thrilled to announce that qualifying rules have been relaxed significantly. Now, you can qualify for multi-unit financing with just a 5% down payment! Yes, that's right, just 5%!

Investing in a multi-unit property means you can enjoy the perks of homeownership - building equity and enjoying stability - while also reaping the rewards of being a landlord. Imagine living in one unit while renting out the others, a great way to offset your mortgage payment!

The even better news? Navigating financing for 3–4-unit properties just got easier with conventional loans posing fewer hurdles than FHA financing. This means a smoother journey to pre-approval and no need to dig into potential rental rates for the units you'll be managing.

So, if you're searching for ways to make homeownership more manageable and appealing, buying a multi-family property can certainly be a game-changer. This move gives you the chance to gain valuable experience as an owner and a landlord. Plus, you'll be building valuable equity on your first property!

Ready to explore your options for 2024 and beyond? Get in touch and let's start the conversation. Together, we'll find the best path for you to step into homeownership and the world of property investment. themortgagereports.com

We're excited to let you know that our beloved Atlanta Braves are getting ready to chase down their seventh straight division title, starting on Thursday, March 28! Yes, you heard it right, the action-packed 2024 MLB regular season is just around the corner.

Get ready to see our team in action as they kick off the season in Philadelphia against the Phillies. The first pitch is set for 3:05 - so make sure you're amped up and ready to cheer them on!

The Braves will embark on a six-game road trip to put their skills to the ultimate test. So, wherever you are, keep the Bravos spirit blazing, because every cheer, every shout, and every bit of support means the world to our team!

We'll then bring the action home on Friday, April 5, for our home opener - and what a week it's set to be! We're kicking off a seven-game homestand against not one, but two formidable teams - the Arizona Diamondbacks and the New York Mets! This is the kind of baseball showdown you won't want to miss!

So, mark your calendars, Atlanta Braves Fans, and prepare for a season filled with thrilling games, record-breaking pitches, and unforgettable moments.

See you at the ballpark, Braves fans! ⚾

🍹Easter Brunch Cocktail Recipes🍹
          

Easter is a time of celebration, renewal, and gathering with loved ones. What better way to uplift the spirits than with a delightful array of Easter Brunch Cocktails that are as vibrant and refreshing as spring itself? We've curated a selection of cocktail recipes that will add an extra sparkle to your brunch table. Whether you're hosting a large gathering or just looking for something special to enjoy at home, these Easter-themed cocktails are sure to bring smiles and make your celebration even more memorable. 🌷🍹

#1. Carrot Mimosa

This twist on the classic mimosa is perfect for Easter brunch, with a vibrant orange hue and refreshing taste. Simply blend fresh carrot juice, orange juice, and champagne together and garnish with a carrot stick for an extra touch of whimsy.

#2. Spring Fling

Let your guests indulge in the flavors of spring with this fruity and floral cocktail. The combination of gin, elderflower liqueur, lemon juice, and strawberry puree makes for a refreshing and elegant sip. Top it off with some edible flowers for a beautiful presentation.

#3. Peep-tini

For those with a sweet tooth, this colorful and playful cocktail is sure to be a hit. Mix marshmallow vodka, pineapple juice, and blue curaçao for a fun twist on a classic martini. Garnish with a marshmallow bunny peep for an extra festive touch!

#4. Berry Bellini

This delightful cocktail is perfect for any spring celebration, including Easter brunch. Blend fresh raspberries or strawberries with peach nectar and Prosecco for a fruity, bubbly delight. Serve in a chilled glass and garnish with fresh berries for an elegant touch.

#5. Easter Egg Punch

For a crowd-pleasing option, try this whimsical Easter-inspired punch. Combine lemon-lime soda, pineapple juice, orange juice, and vodka in a large bowl or pitcher filled with ice. Add some colorful plastic Easter eggs for decoration and let guests serve themselves for a fun and unique experience.

We hope these cocktail recipes add some extra cheer and joy to your Easter celebration. Don't forget to toast to new beginnings, cherished traditions, and the love of family and friends. Happy Easter! 🐰🥂

Month in Review
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Here are some key points from the March Market Report Video

• WE'RE NOT HEADED FOR A RECESSION - Based on the latest economic indicators, most experts agree we aren’t headed for a recession.

• THERE IS NO FLOOD OF FORECLOSURES - We’re still well below the volume of foreclosure filings we’d see in a normal year.

Want Weekly Market Updates?
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After receiving many requests, I have been sending Weekly Market Updates on Fridays to my realtor and referral partners. I have been fielding numerous calls asking for clarity on what is going on in the market from past clients, clients who are currently looking, and future clients who plan on purchasing in the not-too-distant future. If you or anyone you know would like to be added to my Weekly Market Update email, reply to this email, or use/send them the button below to start receiving this timely information! 

I have over 20 years of lending experience and a 100% closing record. The Holly Walther Lending Team is among the top mortgage loan producers in all of Georgia.