Raguragavan Sreetharan - Ragavan Sreetharan

  Ragavan Sreetharan | Owning a home is expensive as property taxes can be extremely burdensome. Annual property tax bills tend to rise steadily over time. Even if you pay off your mortgage, the taxes keep coming. Most homeowners do not realize that they need to pay less and do not understand how their taxes are calculated. Most households take their tax assessments at face value, and, most of the time, their property is over-assessed. Here, we provide a few tips that you can follow to challenge your assessment and save money. 1) Understand the process Local governments send assessment notices in the first few months of the year, although the schedules may vary. The notice provides the details of the contact you need to contact in case you disagree with the assessment. It also provides the details related to making an appeal, and a specific time frame is given during which you can challenge or file a case. The time frame varies in different areas. In some places, it is two w...

Ragavan Sreetharan | If you believe your home's assessed value is greater than what you can sell your house for, then it is in your best interest to contest the value. The first thing you have to understand is that property taxes are one of the largest sources of revenue for your municipality, county, and state government. Tax assessments are made up of two components, they include: the value of your land and also your dwelling.    The Ohio revised code and Ohio administrative code mandate the appraisal department to conduct a re-appraisal of each parcel every six years, or an update every three years if improvements were made to the dwelling based upon building permits pulled on your property. Understanding how to contest your home's assessed value is critical to winning your appeal. You will need to consider many factors to determine the fair value of your home. The auditor will look at acreage, age of your home, square footage, recent improvements, outbuildings, decks or...

  Ragavan Sreetharan | Although various localities have specific mechanisms, nearly every one has a process to appeal or grieve one's real estate taxes. In most cases, this can either be done by oneself, or you can hire someone else (or some company) to do so, for you. Why would someone grieve his real estate taxes? One reason might be because most of your neighbors do so, and you will suffer financially, by not doing so. Another is, if you believe your house is being appraised for more than it should be, and thus, you will being paying more taxes than you need to, or should. Regardless of your reasons for doing so, every homeowner should realize he has certain options and rights, and this article will attempt to touch upon 3 of the basic steps in appealing and correcting something which might adversely impact you.   1. Comparative Market Analysis (CMA): Before you can claim you are being charged too much, you must create and present a basis for your belief. In nearly eve...

Ragavan Sreetharan | For graduates obtaining a degree is just the beginning. The real life challenge starts when they start hunting for a job. Of course, everyone wants to have a stable and performance-oriented career in order to earn a good living. As a newcomer, you might face difficulty in picking up the right career option or you might get stuck while deciding which industry sector has the highest need for new professionals. Have you ever thought of a career in the banking industry? A career in banking sector is indeed a lucrative career option. The banking industry is ambidextrous, which means it offers a range of positions catering to a broad spectrum of skills and talents. The best part about this sector is that it has multiple sub-industries enveloping distinguished opportunities. Banking jobs are an excellent career option for many number of reasons. Job-security, career advancement opportunities, fancy salary packages, and most importantly, job satisfaction. India has a huge...

Ragavan Sreetharan | There are many options today. With little documentation and little running, you can find the bank that fits your finances. Ragavan Sreetharan Here’s how: Choose a bank that is good for your daily activities. Search banks that are easily accessible, you can found on your way to work or when you have to do several payments. Check the websites at several banks. There you can learn something about the types of accounts, available services and interest rates offered, long before entering the bank. Think about what is most important for you when choosing a bank. If you want to put up a personal relationship, on a long term, it is possible that a small bank is better for you. If you travel a lot and need branches in other countries, it is recommended to choose the larger banks, international. Think about what kind of transactions you make. If you want to make online transactions through ATM ‘s, then choose the bank offering these services. Visit the branch where you will...

Raguragavan Sreetharan | What a great question and one that many find very confusing. First of all let’s start at the beginning of a home loan. When you apply for a home loan the very first thing you are going to need is a lender. A financial lender is someone that is going to supply you with the financing of your home loan. Whether you go FHA, Conventional, VA or where I live in Texas, you can receive a Texas Vet loan, you are going to need financing…unless of course you pay cash, then you can skip this article altogether. Raguragavan Sreetharan Raguragavan Sreetharan | WHAT HAPPENS? When you start your home loan process you could spend all day on the internet looking at rates, various mortgage “broker” companies and find that they are basically all the same. Whether you go the banker or broker route, you are going to supply either one of them with very personal information such as your credit report which they will run, your tax returns (if self employed), W-2’s, pay-stubs, bank stat...

Raguragavan Sreetharan | The business of banking has changed dramatically over the last decade. Because the cost of doing business the old-fashioned way is no longer effective, banks are interested in changing their customers’ behavior by encouraging electronic banking alternatives whenever possible. They have done this by charging high fees for services that were once free. If you pay $200 or more in annual fees for banking, it’s time to do some competitive shopping. Before becoming furious with your bank, it may be that the products you’re using no longer meet your personal needs. If you have an established relationship with your bank, inquire about the other types of lower-cost checking and savings account products. – Raguragavan Sreetharan Raguragavan Sreetharan By understanding the rationale of why a bank charges fees for different services will allow you to be a savvy banking customer. If human contact is required to serve you, such as a teller or personal banker, this is very ex...