Archive | March 2017



I took my new bride (is it still a new bride or groom after eight months?  Maybe a better question would be…when are we not “new” bride and groom?) to Top Golf for our weekly date night.  We had gone out once before and she had done extremely well for someone who had never swung a club before.  In fact, it was amazing how she had maintained the grip, posture and swing through out.  She consistently hit ball after ball with great contact down the middle.  She was hooked and had a desire for more.  In fact on Valentines she got me a Top Golf gift card…so I would take her to Top Golf again!  LOL

A little background…I played collegiate golf for Sierra College for two years and then nearly seven years later I was recruited by William Jessup University to create a men’s golf program and be its first Men’s golf coach.  I was hired in 2007 and coached until 2012 when I stepped down to pursue building an international business…but that’s a story for another e-newsletter.

As we were out this 2nd time it became a little more apparent to Lexi that golf is a game that is learned over time and no one person on the planet has simply picked up a “stick” and excelled at the game without much practice and dedication.  She did not hit ball after ball down the middle this time (which is very normal – let’s face it, golf is the hardest game invented to master).  She got frustrated.  It seemed a lot more difficult and confounding this go-round.  I had made some suggestions to her as she was hitting.  She “tried” them, but once the “try” ended with a poor result it was quickly dropped with an, “it doesn’t feel right or I can’t do that, etc.”  In that moment as I expressed my frustration (not very kind and understanding on my part), I understood more clearly when people would say that husbands shouldn’t give lessons to their wives.  I get too focused on the lesson rather than just having fun; clueless to the fact that if she’s having fun, she’ll want to do it again with me.  It would be better for both if a 3rd party professional was hired.  One nugget of wisdom that came out of this experience (sadly, after the “discussion” of she wasn’t coachable wanting to do it her way, and I wasn’t very kind, nor very fun, etc. had calmed down) was the fact that we can be too much results driven rather than process driven.  Lexi was judging her shot as good or bad based on the result of the golf ball rather than the process of learning a golf swing.  I shared with her that the professionals who make millions of dollars do not hit every shot perfect or pure.  Sadly, because of television which cuts from one player to the next, only showing the amazing shots, we are left thinking that the pro’s don’t miss, yet those of us that have played the game at a high level can certainly attest, “the game is a game of misses.

Something hit me as I was trying to communicate to Lexi about the frustration she was experiencing.  I realized that she was basing her success or failure of performance by what the little white golf ball did and not on what the process of her swing development was.  I was looking at her swing, the mechanics – her grip, her stance, weight shift, etc.  I told her that what the golf ball did at this stage did not matter, that she would have many more bad shots than good, and that was perfectly normal.  What she needed to focus on were three things:

1) Believe what your coach is telling you. (true compliments/encouragement, “great swing, really good grip, great tempo on that one, etc.)

2) Do what the coach tells you to do even when it doesn’t feel good or right (how could a brand new golfer know what was right or wrong?).

3) Give yourself a break.  Golf is hard and it takes time to be good.  Be patient and enjoy the process.

Later that week Lexi and I were having a “discussion” and she let me know to stop looking at the result in the moment but rather to focus on “the process.”  Before the sentence had finished I realized she was right and I was stopped in my tracks!  No, not because she was right (she is right A LOT), but rather she had actually listened to her coach! 🙂

**Lexi and I met while attending Bridgeway Church in Roseville.  Her beautiful red hair flowing down in a soft wavy cascade called to me from the row in front.  We dated for a little over three years (yes I was scared, I had been married before and didn’t want to make a bad or wrong decision this time) and became engaged when I surprised her with a road trip to Lovers Point near Monterey on February 28th 2016.  We were married June 22nd 2016.  Having no kids prior, I now have three teenagers that I learn from daily!


Here are some tax implications to consider.

Thinking of Selling? Have you considered the possible tax implications?

Rent Out Vs. Sell: Homeowners Have a Taxing Decision

This is a guest post from H&R Block. The opinions and views are those of the author. Matthew Stewart Real Estate Team does not give tax advice. Since each homeowner’s tax situation is unique, you should always consult with and rely on the advice provided                                               by your tax advisor.

When it comes time to sell or rent out their home, homeowners should not only consider the real estate market and their home equity, but their taxes as well. That’s because some homeowners may face capital gain tax as high as 20 percent on some of the gain on the sale of their homes, while others can avoid that tax entirely. Whether or not a homeowner faces any capital gains tax on the sale of their home depends on the amount of their gain and how long and how recently they lived in the home.

A $250,000-$500,000 tax exclusion

The tax code excludes from tax the first $250,000 of gain from a home sale. For married taxpayers filing jointly, the maximum exclusion increases to $500,000. Many homeowners will not see that kind of gain on their home sale, especially after they take into account improvements they’ve made over the years, which add to their basis in the house. To qualify, an improvement must add to the value of the home, prolong its life or adapt it to new uses. Maintenance costs, such as painting the home, do not count as upgrades increasing a homeowner’s basis.

If a married couple bought a home for $150,000 in 1996 and sold this home in 2016 for $175,000, their gain is only $25,000 and well below the capital gain exclusion threshold, even before the homeowners take into account the value any improvements added to their basis in the home.

Other homeowners will need their qualified improvements to reduce their taxable gain. For example, if a single homeowner bought a fixer-upper for $100,000 at the bottom of the housing market and, after putting considerable work into the property and watching property values increase in his neighborhood over many years, sold the house for $400,000, he would potentially have to pay taxes on $50,000 in gain. But if he spent $150,000 to improve his home, such as adding a room and upgrading a kitchen, his gain is now below the exclusion threshold for single filers.

Homeowners have two requirements to meet before they can qualify for the exclusion, related to the length of time they lived in the home and how they used it. To qualify for the exclusion, a homeowner must have owned and lived in the home as their primary home for at least two of the previous five years.

Brief rental window before possible loss of tax exclusion

After the recent housing crisis, some homeowners who needed to move out of their homes, perhaps because of a new job, may have decided to rent them out until their houses’ value reached a certain point. Depending on how long they waited to sell, they may have lost their tax exclusion. Even if a homeowner owns and lives in their home for at least two years, but then rents out the home and sells it more than three years after moving out, they can no longer exclude any gain from the capital gains tax. Similarly, homeowners who are deciding between selling or renting out their house should take into account their long-term plans and their tax responsibilities. Renting out a home also has tax consequences and involves keeping detailed records of rental income and expenses.

As with all financial situations, homeowners need to consider more than just one factor, like their tax situation, when making important decisions like selling their home or renting it out. These decisions and consequences do not operate in a vacuum, but taxes are a big piece of the puzzle.

Kathy Tullius is a senior tax specialist for Block Advisors, specialists in personalized tax preparation, tax planning, small business taxes and year-round support, in Pacifica. Kathy provides expert tax advice and preparation support for taxpayers in the Bay area.

The DO’S and DON’TS when getting a home loan…| Matthew Stewart Real Estate

There are some clear things that you should DO and then some things that you definitely DON’T do when obtaining a home loan. Matthew Stewart of the Matthew Stewart Real Estate Team at Realty World American River Properties provides a list of the DO’S and DON’TS when getting a home loan.

Home Loan DOs and DONTs

Matthew Stewart Real Estate Team at Realty World American River Properties has been selling in the greater Sacramento Region, including Sacramento, Placer, and El Dorado Counties for 17+ years and has hundreds of homes SOLD success experience to work with you through the process of buying and selling.  Working with sellers and buyers in Roseville, Granite Bay, Rocklin, Loomis, Lincoln, Folsom, Fair Oaks, and many more surrounding cities, Matthew Stewart and his team have the knowledge and experience to get the job done for you.

DIAMOND CREEK in West Roseville, CA 95747 | Matthew Stewart Real Estate | Granite Bay | Rocklin


The Matthew Stewart Real Estate Team stumbled onto Diamond Creek, much like many of its current residents.  Many were living in the San Francisco Bay Area and would come up to Roseville and Granite Bay for drives on gorgeous spring, summer, or fall days.  They would venture out to West Roseville, lured by all of the aggressive new home builder advertising, but along the way they would take a turn here or there and somehow end up in Diamond Creek along Blue Oaks Blvd and Woodcreek Oaks Blvd.  Once you find Diamond Creek – you love it!  With its many nature / greenbelt areas with walking and riding trails winding through out, and its award winning schools and parks, Diamond Creek is a phenomenal place to live.  Check out the informative video the Matthew Stewart Real Estate Team has created to learn more.  If you desire more information or private showings of homes located in Diamond Creek, Diamond Woods, or surrounding areas, including Granite Bay – contact Matthew Stewart directly at (916) 718-2979


DIAMOND WOODS – ROSEVILLE, CA 95747 | Matthew Stewart Real Estate | Granite Bay | Rocklin




Diamond Woods in West Roseville, CA 95747 is a hidden gem close to everything but far enough away from the hustle and bustle you sometimes forget you’re in the city.  With its spacious greenbelts and nature preserves, to its walking and bike riding trails, to its many community parks, Diamond Woods and Diamond Creek are very special.  Learn more in the video provided by Matthew Stewart Real Estate Team at Realty World American River Properties.

LIVE AND PLAY IN GRANITE BAY | Matthew Stewart Real Estate | Granite Bay | Roseville




Granite Bay is an amazing community.  A best kept secret if you will, but the word is getting out and Bay Area Residents are making their way up to South Placer County to live and play!  Learn more about this great area in the video provided by Matthew Stewart Real Estate Team at Realty World American River Properties.

To look at the possibilities of living in this dynamic area, contact: Matthew Stewart – (916) 718-2979


WHAT REAL ESTATE MARKET ARE WE IN? | Matthew Stewart Real Estate | Roseville | Granite Bay | Rocklin | Best Realtor






The Matthew Stewart Real Estate Team has nearly two decades of Greater Sacramento Region sales experience.  With hundreds of homes SOLD success experience, you can count on them to guide you through the ups and downs of CA real estate.  From Luxury properties in Granite Bay and Loomis, to short sale homes in the early 2000’s, and fantastic homes in Roseville or Rocklin, Matthew Stewart has been through every market – sellers markets, buyers markets, neutral markets, and some crazy markets!  Trust Matthew Stewart and his real estate team to be in touch with the pulse of the market and work with you through the real estate selling / buying process.  They are: “The ones who get things done!”


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