Are you thinking of joining the vast world of iGaming? There are too many casino games to play on computers or mobile devices. However, like beginners, the feeling can be overwhelming at first. You need to find a suitable casino (for example, https://canadianheritagebreeds.com/casino/playojo-casino-review/ ), fund your account, and learn the game rules. So, this article will give you hands-on online gambling strategies suitable for beginners. Let’s jump!

Know that the casino always wins

Before creating a casino account, the casino always wins at the end of the business day. Every casino has a mathematical advantage called a ‘house edge’ in every game they offer. However, this does not mean that casinos always win all bets. Then there would be no casino players at all. Mathematical advantage guarantees that they win whether you lose or win. So don’t raise your hopes.

Don’t think you’ll lose

You may know someone who became an instant millionaire through online betting. Although you are more likely to lose than win, you should know that the results are unpredictable. That means you can’t control or predict the outcome, so you can scoop out mouth-watering jackpots. In addition, it is essential to note that the house edge only benefits the casino in the long run. So good luck, great luck awaits you.

Choose blackjack over other casino games

Yes! Blackjack is indeed the best online casino game to play. However, don’t be fooled by the hype around the video. Slots This is because these games usually have a low Return to Player (RTP) ratio. For the most part, Blackjack has an RTP rate of up to 99%, which is hard to find in video slots. So if you bet $100, you can win up to $99. Blackjack is also the most straightforward casino game to master because everything is readily available to players.

Do not underestimate the profitability of online poker

Blackjack is the most lucrative online casino game, but it has some drawbacks. Casinos, for example, may stop playing if they feel you have an edge. But that is not possible in the poker room. In fact, you are very likely to make significant profits when playing poker than in blackjack. However, poker strategies can be a bit complicated to master. So, learn how to play poker to make a profit in the long run without a headache.

Stop when ahead

We recommend that you keep playing after enjoying a hot streak. It may make you more money, but your luck may end sooner. So be careful not to lose everything you win. You always know the perfect time to call quit, and this is the time you lead. It is the surest way to win against the casino consistently.

Create a game budget

Here is the golden rule that runs across all gambling activities of all the easy casino gambling winning strategies for beginners on this list. As I said before, your chances of winning are less than your chances of losing. So if you’re having a bad day, never increase your stake in the hopes of recovering from your losses. It can result in more losses and expenses than your budget. So learn to fight another day.

Conclusion

Here is the best gambling strategy to start gambling online. But, as usual, choose the best online gambling platform. Here at Mastering, we are dedicated to finding the best online casinos that guarantee safety and fairness. So choose a betting site and play like a pro.

 

Getting married is a big step. According to experts like Robert Nico Martinelli, it’s also a good time to revisit your retirement planning strategy. Here are some of his top tips.

Plan together

The first step is to sit down with your partner and create a shared vision of what you want from life after retirement. This is a good place to start because the excitement and optimism you feel about starting a new chapter of your life can lead you to set unrealistic goals.

Draw up a list of activities that are important to both of you. At this stage, it’s better to err on the side of caution by setting long-term savings targets that are slightly higher than your immediate needs. That way, you’ll be prepared for unexpected expenses along the way.

Plan your investments together

Retirement is a complex transition period during which you could potentially need to access all of your financial resources at some stage. Therefore, it’s important to have a clear picture of how much you have saved so far, what the money is invested in, and what your short-term needs are.

Be honest about your expectations around investment returns.

Understanding the relationship between the amount of money you’re investing and the growth you can expect to see is essential for determining how much you need to save. Not understanding how this works could lead to disappointment. If your retirement savings will be invested in cash, then it’s likely that you’ll experience low or even no growth over time. Different types of assets have different levels of risk attached, so assess your appetite for risk before deciding where to invest your money. The higher the level of risk associated with an investment type, the greater potential for good returns and losses.

Having said that, remember that not all investments are right for all people. Your retirement savings strategy should be based on your unique risk profile.

Be smart about taking money out of your investments.

No matter how well you’ve planned or what individual investments you have, some portion of those assets will need to be accessed before the end of a retiree’s life. According to experts, this is a problem that many investors don’t address until they’re approaching retirement age and need access to their money.

The straightforward option is simply to withdraw cash from your investment account as needed. This could cause the balance in your investment account to shrink over time, which is why it isn’t sustainable if you want there to be something left by the end of your life. You can avoid this happening by ensuring your deposit includes a good mix of investments.

A better approach would be to use a portion of your savings to buy an annuity. An annuity is a contract with an insurance company that pays you a monthly amount for the rest of your life or for a pre-defined period. You can choose what percentage of each dollar you save should go towards buying an annuity, and this means that no matter how much money you need, there will still be something left in your investment account at the end of the day. This works well if you know exactly when you’ll need access to your investment capital, but it’s not ideal if you want to leave something behind for future generations.

 

The mortgage industry is changing. It’s evolving. And it is happening right now, in the plain sight of anyone who wants to buy a home using an online service provider. Yet, according to insiders like Dan Schatt, mortgage professionals miss it big time!

Nobody knows exactly what the new lending ecosystem will look like when all of this creative destruction finally settles out. But there is no question that the future of home financing is being created today.

Here are ten ways mortgage professionals (and even consumers) can prepare themselves for what’s coming.

1) The New Lending Landscape is Bigger Than You Think

In the post-2008 world, only a handful of financial services companies have survived – and even fewer have thrived. The landscape has been completely reworked by new regulations, increased consumer distrust, and an explosion in fintech innovation. This has created a lot more competition for a relatively small number of dominant players.

This means that it’s not just the Big Banks that you have to compete with. Lenders big and small are going online – some in a big way by acquiring a technology platform and others by partnering with those who have. As a result, any problem a homeowner might experience – from down payments to credit issues, from income documentation to high debt ratios, from speed to affordability – is being addressed in was as simple as plugging into a ready-made solution.

2) Competing is Harder Than You Think

Even if you can compete on price, speed, service, or some other dimension of value – are you ready for the complexities of working with non-traditionally credit-worthy borrowers? If not, now may be a good time to at least explore your options.

3) Non-Traditional is the New Traditional

Virtually all new mortgages today involve some combination of higher debt ratios (i.e., more money borrowed), lower down payments (i.e., less money in the bank), non-traditional credit histories (i.e., rent plus utility bill payment history trumps traditional revolving accounts like credit cards) and financial support from sources outside of conventional employment income (like freelancing gigs). Are you ready for these changes?

4) Your LOS is Not Enough

If you are an originator, your Loan Origination System (LOS) – the software platform that powers how you input information about loans into a lender’s system – is not enough. At best, it only solves for speed and accuracy of data entry. Unfortunately, most companies leave it at that. A good technology partner will provide more than just data entry, however. They’ll help you create custom reports based on this new type of customer who might have little-to-no credit history or high debt ratios, who may work in occupations providing limited income documentation, or whose financial support comes from non-traditional sources like freelance gigs, public assistance programs or even crowdfunding campaigns. And since they’re constantly working with fintechs to stay ahead of the curve, your technology partner won’t just help you speed up and clean up data entry. Instead, they’ll help you access tools to create a 360-degree view of a borrower so that you can focus on making the right choices – about which loan products to offer, who’s a good vs. bad risk, etc.

 

Most people are aware of the best-extended warranty for used Powersports. Fewer people are aware that they can also get accustomed to motorcycles. However, as vehicle technology advances and the cost of motorbikes and vehicles rises, many consumers need additional protection than a typical warranty can provide.

According to available statistics for autos, in 2009, 23.5 percent of persons who purchased a new car purchased extended warranty policies. By the year 2019, the percentage has climbed to 34.4 percent. NADA (National Automobile Dealers Association)

The discussion of extended service plans is generally centered on vehicles, although the fundamental points also apply to motorbike ESPs. Both products are built on the same principles and provide a similar set of benefits. When it comes to supplemental motorcycle coverage, the primary distinction is that most riders don’t use their bike as their first mode of transportation. They’re not going to put as many miles on it as they would on their automobile.

The Opposition to Service Contracts

Extended warranties are generally not recommended by industry consultants for any goods, including appliances, electronics, or vehicles. They can be particularly averse to automobile service contracts.

While some experts are more open to weighing the benefits and drawbacks, the anti-service contract movement believes that most of us don’t need extended service plans because most of us who buy them never use them.

Repairing a Motorcycle: The Facts

This used to be a lot easier to learn how to repair your motorcycle on your own. That method is still frequently suggested today. They advise, “Buy a toolset, some torque wrenches, and watch YouTube.” They may be correct with earlier, more basic motorcycles. You’ll need to learn how to operate on complicated, high-tech electrical components on modern bikes. It’s also possible that you’ll need to learn how to work with titanium, carbon fiber, or aluminum, which typically necessitates specific training.

An extended service plan makes sense, according to motorcyclists, when you:

• Do not have a mechanical bent
• Have a motorcycle that is known for requiring “major repairs.”
• Have made or plan to make modifications to the bike that will void the warranty
• Invest in a used bicycle.
• Have a motorcycle with a lot of miles on it.
• You should ride your bike for more than 8,000 miles every year.
• Plan to keep your bike for at least five years.

 

Welcome to Spending Notes, where we do a weekly deep dive into how our readers spend their cash. Today: a waitress who makes $35,000 a year

Occupation: Waitress

Age: 22

Location: Chelsea, Manhattan

Salary: $35,000 (approximately $1,150 per pay period)

Day One

I’m lucky to work nights most of the time, leaving room to sleep in and scroll through social media before I make coffee. Three days a week (including today), I head to the apartment complex’s gym for some strength training or cardio (today, it’s strength). Then, I shower before heading to my computer—I’m on a mission to finally find the right therapist. I want to improve my mental health, and friends have recommended New York therapists and psychotherapy sessions. I see a potential therapist that looks like a good fit and make a note to schedule my first session soon. Mental health issues, be gone!

Next, I’m off to Whole Foods. I grab a tofu cashew korma for now, plus some groceries and a twelve-pack of hard seltzer, then head home and eat my tofu before heading to work. After my shift, I enjoy a half-off sandwich before returning home, finishing my skincare routine, then heading to bed.

Total: $48

Day Two

I have today off, so I sleep in a bit later than usual pre-coffee. Then, it’s back to my laptop again. My best friend’s birthday is coming up, so I want to send her a gift (thanks, online shopping!). After college, she moved to Toronto, and I know she’s been looking for some wall art to spruce up her new place. I want to find the best metal wall art Canada offers, and I find just that with a 12 x 18 print of Paris. Not only am I granting her wish for metal wall art, but I’m reminding her of our time studying abroad in France, too.

My credit card payment is due today, so I schedule that then make a salad for lunch. Later, my friend S. comes by with Chinese takeout for us to share—I provide the seltzer. We get settled on the couch to rewatch Gilmore Girls (#TeamJess) and catch up. Later, she crashes on my couch, and I head to bed.

Total: $128

Day Three

S. and I head to Starbucks for caffeine and pastries, then head to our respective homes. I open a dating app and match with an HR manager from the Bronx. We arrange for a coffee date tomorrow before logging off. Then, I make a salad and head to work. I grab another sandwich on my way out, head home, and get ready for bed.

Total: $14

Day Four

Another begins with coffee & cardio. I take some time to look great for this date, then meet my match, L., at a local coffee shop. I order an Americano and a cookie, L. orders matcha and another warm-out-of-the-oven cookie, and we get to know each other. I pay the bill as we head out—I’m feeling lucky to match with L. amidst all the women in New York! I’m excited to spend more time with her soon but, for now, I get ready to go to work. After, I stick to my regular routine—sandwich, home, and then straight to bed.

Total: $29

Day Five

Today’s an easy day at home. First, I wake up and make coffee, then scroll through social media. Then, while I’ve got my phone in hand, I pay my utility bill—thankfully, rent isn’t due for a few more weeks. Then, I play Pokémon with Netflix in the background and make another at-home lunch before my shift. After, I follow my standard routine.

Total: $279

Day Six

Today, I’m mixing things up with an early shift, which calls for coffee before getting ready. After that, I work from eleven to five, grab a side salad (like my usual sandwich, at half-price!), then head home again. I scroll through social media to accompany said salad and call S. to chat for a while. Later, I order dinner in—tikka masala and naan—and watch the latest episodes of my new go-to K-drama. After, it’s time for a shower, then straight to bed.

Total: $35.50

Day Seven

With another day off (two in a week is a privilege!), I’m excited to meet L. for dinner tonight. I do a quick yoga workout, shower, and do some laundry and other chores before a short beauty nap. Then, I get ready for the evening and meet L. at a new sushi spot—we split a kale goba salad and avocado rolls. She tries to cover the check, but I push for a compromise: we split it. After, we walk back to my place to end the night.

Total: $22

Total for the week: $555.50

 

DMA forex brokers are widely known as the top traders in the world. The top ones are the ones that can provide you with accurate and up to date information at all times. They update information through email, SMS or even through their websites. They are the ones that have been registered and approved by the government to provide information on foreign currencies. Before going to select a DMA broker, you need to find more info. Here is a list of DMA forex brokers for you to find the best.

1. DMA:

Direct Market Access (DMA) is one of the most popular trading methods in the world. It is a direct trading platform that is used by many brokers to provide their clients with information on their forex trading. DMA forex brokers for this year have included new features like mobile and SMS trading options, along with their usual functions.

2. Provide a Wide Range of Services:

This is the best place to find forex brokers for the year. DMA newest forex brokers, providing a wide range of services. You can find an extensive list of services here. Some of the features that these platform offers are order execution, check deposits, risk management, custom orders, market orders, customizable charts, real-time quotes and alerts, among others. You can also find information on their privacy policy.

3. Certified with BBB:

This is another online broker that offers a wide range of services. They have been certified by the Better Business Bureau (BBB) to ensure that they are reliable and trustworthy. When looking for DMA forex brokers for a specific currency pair, you can check their site and find liquidity providers, as well as order execution and risk management features.

4. DMA Liquidity Providers:

The DMA liquidity providers are chosen based on the volume of trading done in the past. For instance, the largest liquidity provider should be the broker that offers the highest rate of interest to its members. This is because the large number of trades handled by the dealer will result in them earning a higher rate of return for the trader. The larger the number of trades done in a day by the dealer, the higher the amount earned by the trading firm.

5. Availability of Interbank Market Depth:

DMA forex brokers also offer other types of services, aside from the execution of the trade. You can find the availability of interbank market depth. With this service, a broker will be able to access the interbank market to buy and sell currencies. This is ideal for those who are not comfortable with trading in the interbank market for they do not know where to find the market depth.

6. Availability of Spreads:

The availability of spreads is another service offered by DMA forex brokers. With spreads, you can find out how much currency can be bought or sold at one specific rate without involving higher broker charges. Brokerages may also provide their clients with direct market access, which means the broker will find the best rates available for their client’s transactions. Some of the most common spreads include the London Interbank Market (LBMI), the New York Interbank Market (NYM).

7. Market Analysis:

DMA forex brokers also offer a variety of other services that can help their traders make more money while they are dealing with the trading market. Some of these services include market analysis. If you are a new trader, you can use the services of a trading desk to analyze the movement of the prices and identify potential opportunities in the market. They can also identify trends and developments and let you know when to invest or when to sell. With these, you can get an insight into how you can improve your chances of earning more profit while you are doing your daily trading.

8. DMA Forex Brokers for a Strong Future:

The list of the best forex brokers goes on from who knows where to find them. The truth is that there are so many more brokers out there. This is why there are so many DMA forex brokers for a strong future. These forex broker companies have unique strategies and indicators that they use to find the best forex brokers for a strong future, and they do their research for a good reason. They know what’s going on in the market, and they know when to execute and place their trades.

Finding the best brokers requires a little work on your part because many traders don’t know where to look to find the best forex brokers for a strong future. It starts with finding the best DMA forex brokers for your trading needs. Because you can use any one or more of the many indicators out there to help your trade decisions. DMA has been around for quite some time. They have proven themselves to be dependable and effective in helping many traders achieve profitable trades in the forex market. Using a DMA broker will provide you with the edge over other traders when it comes to trading the forex market because you will have access to liquidity providers.

 

Being a sports handicapper could put you in a pretty unique position as a sports bettor. Sports punting is pretty widespread and plenty of people all over the world bet on their favorite sports every day. Some do it casually while others have made it a way of life. Sports handicappers, though, are a cut above the rest.

The term handicapper, specific to sports betting, refers to someone who does deep analysis into sporting events in order to give themselves an advantage over the bookmakers. Pretty much anyone could become a handicapper and, whether you’d like to take it on in a professional fashion is up to you. There are both pro and amateur handicappers making bets on various sports every day. The former typically spends hours looking into figures, statistics, and just about anything that might give them an edge.

Serious handicappers take many things into account before betting on a particular event. Previous performances, injuries, player form, home and away stats, the ease or tightness of a schedule, and back-to-back games all form part of the analysis. Some even develop their own models to make this easier.

While many handicappers keep their findings to themselves, a great deal of them share their tips online. Sports analysis isn’t the only thing handicappers focus on, finding the best odds and deals could also offer the leg up. There are countless betting sites available online, with outlets like Youwager review among the most reputable.

Handicappers come in different forms. One group, referred to as “generalists,” dip into a number of sports and bet on whatever is happening at the time. But most handicappers specialize and focus on just one or two sports as it allows them to spend more time doing research.

Sports are seasonal events, with most campaigns lasting 8-9 months a year in professional leagues. Of course, this isn’t ideal for handicappers, especially if betting happens to be their chief source of income. One sport might be enough if there are off-season tournaments available. Take football, for example, you can almost always find international activity afoot after clubs break off for the summer. The World Cup comes about every four years but there’s also the Euros, which comes around every four years too but never the same year as the World Cup. Football handicappers can also get by on pre-season football, leaving them with enough to bet on while the official club season lies dormant.

You could find very profitable handicappers in both groups so it’s hard to say which group is better but specialists are likely to find more success as they could narrow their focus and concentrate on just one or two sports, which leaves them with more time to understand everything that goes into them.

Other groups will rely on data scraped by models they’ve developed themselves. While those are not foolproof, many of them are pretty accurate most of the time.

Yet another group makes their picks based on opinion. This does not mean that they simply guess – they still do the research. The difference is they prefer not to have systems guide their hands.

Handicappers take on just about every type of bet there is to make but some stick to particular types such as Money line, Over/Under, and Parlay Picks.

You might not have the time to put into handicapping yourself. Fortunately, you could make some decent money following a handicapper. Tailing a handicapper could leave you in just as great a position as the handicapper as you could take advantage of the many hours of analysis. This practice works out well for folks who, as mentioned above, simply don’t have the time. Also, they might not have the resources or know where to look, or they could just be new to betting.

There are plenty of tipsters offering free advice online but it’s worth making sure they have a winning track record. If you find one of those, they could have you ride in the green for years.

You could also find great handicapping guides online but we have a bit of advice right below that could set you on your way.

Mainly, do the research. The quicker you come to realize what you already know will get you nowhere when it comes to sports betting, the better. Every single game is different and, though anything can happen once that whistle blows, there are lots of factors leading up to any game that can give you a better chance of making the correct choice. You might decide to bet on a sport because you enjoy watching it but, once money gets involved, it pays to do your homework.

 

When applying for Social Security Disability Insurance (SSDI), the process can take several months or even a year or more, during which time applicants may be able to recover financially in several ways. Specifically, applicants can apply for other types of support, work while complying with SSDI requirements, and seeking other sources for financial support.

This article will review each of these methods and how they can work in an SSDI applicant’s favor.

Applying for Other Types of Support

In addition to SSDI, there are other types of support programs available to individuals on a local, state, and federal level.

For example, SSDI applicants may be eligible to enroll in the Food and Nutrition Services program, i.e. food stamps, which is available via the Division of Social Services. Additionally, applicants may also be able to apply for Medicaid through the Division of Health Benefits.

Other programs may include the Department of Social Services or a local family social services office. Working with a social worker in either department may be able to help determine if an SSDI applicant qualifies for other programs.

Seek Other Resources for Financial Aid

Apart from applying for various programs, SSDI applicants may be able to identify other sources for financial assistance while their SSDI application is pending.

For example, if an individual owns a home, it may be possible to refinance or take out a home equity loan on the home. If the individual has family or friends who are capable of providing support, it’s possible to request this or accept their offer to do so.

If individuals have a life insurance plan or 401k retirement plan, they may be able to cash it out or borrow against it. Finally, local charity organizations may also be able to provide support if needed.

Work While Waiting, if Possible

It’s also possible to work while waiting for SSDI applications to go through, but there are certain conditions that applicants must meet to avoid having their application denied.

If individuals want to be able to work while filing for disability, they can do so by adhering to the program’s guidelines for eligibility. These include earning income below $1,260 per month, which is the threshold for “substantial gainful activity,” or SGA. If a person makes a higher monthly income, they may no longer qualify for SSDI.

When applying for Supplemental Security Income (SSI), individuals won’t be able to make a substantial income, nor will they be able to accrue other assets.

Ultimately, SSDI and other similar programs are intended for people who are unable to work, and any income could put applicants at risk for ineligibility. However, if a person can make an income level that falls below SGA, they may not be at risk. In some cases, income from employment may not impact eligibility at all, but it’s important to speak with authorities on the program about this to avoid disqualification.

Any of these sources of financial relief could help individuals if their SSDI application is currently pending, leaving them with many options in the event of a disabling injury that prevents them from working.

 

Following any type of accident causing an injury, there are several ways to go about covering the costs of the injury and other damages, including health insurance, car insurance, and personal injury claims. The following are some of the specific ways to avoid going bankrupt following a personal injury. Whether individuals are involved in car accidents or other types of accidents or incidents, these may apply to a given situation.

Health Insurance Coverage

Following an accident, it’s important for injury victims to seek medical treatment immediately if needed. Victims’ health is always a top priority over other aspects of the accident. However, major injuries and other factors can contribute to expensive medical bills that could put a financial strain on victims as they recover.

To help cover these expenses, health insurance coverage may help alleviate this financial burden and cover many costs associated with treatment and recovery. While it might not cover everything, including more extensive or cosmetic procedures, it can help significantly reduce overall costs.

Car Insurance Coverage

In addition to health insurance claims, victims may be able to file car insurance claims to help cover the damage done to their vehicle in a car accident. Repair expenses are often steep, and they can be especially costly when compounded with medical expenses. Thankfully, accident victims may be able to recover some of these costs with the help of a car insurance claim. If individuals aren’t responsible for the accident, it’s often easy to prove liability and recover compensation via an auto insurance claim. In the process, individuals can make sure their vehicles get the repairs they need without compromising their ability to recover.

Personal Injury Claims

As personal injury victims recover after a serious accident or incident, there are additional costs involved beyond those pertaining to recovery and vehicle repairs. For example, victims may miss work for an extended period of time to recover, resulting in lost wages as they are unable to earn a paycheck. Additionally, pain and suffering could cause serious emotional and physical distress that may be compensable if another party’s negligence caused the initial accident.

To recover some of these economic and non-economic damages, personal injury victims may be able to file a personal injury claim with the help of an attorney. While a lawyer can help collect evidence proving negligence and organize a case, victims can focus primarily on recovering.

Personal Injury Lawsuits

In some cases, personal injury claims may not be sufficient. If victims aren’t responsible for an accident and wish to seek damages from negligent parties whom they believe are liable, they may be able to file a personal injury lawsuit. This will entail taking the case to court if the defendant refuses to pay. During the court proceedings, the defendant may be found guilty, in which case the courts may award compensation to the victim to help the victim recover. These damages may include medical expenses, damage to vehicles and other belongings, or pain and suffering that the victim experienced because of the accident and injuries.

If injury victims are worried that they may need to file bankruptcy, these sources of financial support can prevent this.

 

One way for owners of historic homes to save on Illinois property taxes is to enroll in the Property Tax Assessment Freeze Program. While rehabbing historic homes in Illinois can be a challenge that’s both costly and time-consuming, the Property Tax Assessment Freeze Program is intended to alleviate some of these costs by relieving homeowners of their tax burden.

How the Program Works

Specifically, the program works by freezing the assessed value of homes that are historic, occupied by the owner, and have served as an owner’s principal residence for at least eight years upon the owner’s decision to rehabilitate them. If the rehabilitation is approved, individuals may qualify for the program. Once a homeowner has enrolled in the program, the home’s assessed value returns to the market level over the course of four years.

The Illinois State Historic Preservation Office has made this program entirely free to homeowners throughout Illinois. Ultimately, the program effectively rewards homeowners who undertake rehabbing projects to restore historic properties.

Steps for Getting Approved

If property owners are planning on rehabbing a historic home, there are ways for them to get approved for the Property Tax Assessment Freeze Program. First, the property must meet certain conditions, including:

• The home has to be a certified historic structure. These structures either appear on the National Register of Historic Places or are designated historic structures in a community through an approved historic-preservation ordinance.
• It also must be a single-family, principal residence that the owner occupies, or it needs to be a condominium building, cooperative building, or an owner-occupied apartment complex with a maximum of six units.
• The rehabilitation needs to be over 25% of the fair market value as determined by the property’s assessor, and it must meet the Secretary of the Interior’s “Standards for Rehabilitation.”

If an individual meets these criteria, they will need to take the following steps:

1. Find Out if They Qualify

Individuals can first consult the Illinois State Historic Preservation Office or their local landmark commission to find out if a historic home is considered a certified historic structure. They can then contact an assessor or look at a previous property tax bill to determine the fair market value for the property.

Additionally, individuals can figure out whether rehabilitation will cost more than 25% of the fair market value and speak with the Illinois State Historic Preservation Office to find out if the property meets their “Standards for Rehabilitation.”

2. Receive Approval for Planned Work

Property owners can request an application from the Illinois State Historic Preservation Office for the program. Before rehabilitation begins, they can complete and submit Part 1 and 2 of the application, attaching photos of the property and rehabilitation plans before construction begins. The State Historic Preservation Office can then decide whether to approve the work.

3. Have Work Approved

Following rehabilitation, individuals can submit Part 3 of the application, attaching photos of the finished project along with documentation pertaining to costs. The State Historic Preservation Office may then send a Certificate of Rehabilitation.

When buying a historic home that needs work, taking these steps can help owners save money and make rehabilitation less financially straining.