Dave Miller Real Estate, by Shepherd Realty

Dave Miller's Blog

2013 Economic Forcast for Commercial Real Estate

Posted on 03/24/2013

On February 13 at the LancasterCountyConvention Center, High Associates provided its annual economic forecast to the Lancaster Commercial & Industrial Real Estate Council, discussing the performance of the commercial/industrial real estate marketplace in Lancaster, Pa.

Click here to read the entire article: Economic Forcast



To Be More Efficient and Effective, I Resolve To Be.

Posted on 01/03/2013

by Dave Miller


Call it old age or too many irons in the fire, but lists have become an important part of my life. I can choose to use them or not to. All I know is that if I use them my efficiency jumps exponentially. Lists keep me focused on the tasks at hand. By staying focused these things are accomplished faster.

A daily list is the single most effective way for me to be efficient for the day.

But efficient does not mean effective. If you are not effective, and only efficient, you are really good at getting things done that don’t add much value.


To be effective I need to focus on more than a daily list. Weekly, monthly and yearly goals need to be envisioned. Once my destination is in place I can head in that direction. By only looking at the tasks that need my attention now I will lose sight of the big picture. And when I lose sight of it I cannot be effective unless it be by chance. And I’d rather not leave things to chance.

Where do you want to go?

Last Year I wrote a series on Goals and Master Planning:



Wishing You All a Blessed Christmas

Posted on 12/24/2012

The snow is falling. A white Christmas eve we will have and enjoy. May the Christ of Christmas bless you eternally.

A Christmas Letter from Anne

Posted on 12/24/2012




us a child is

born, unto us

son is given; and

the government shall

be upon his shoulder; and

his name shall be called Wonderful

Counsellor, The mighty God, The everlasting

Father, The Prince of Peace. Of the increase of his

Government and peace there shall be no end, upon the

throne of David, and upon his kingdom, to order it, and to establish

It with judgment and with justice from henceforth even for ever.

The zeal of the

Lord of Hosts

will perform this.

 Dear friends,

There is peace in the house with the babes all tucked in bed. I have a light, a fire, a cozy chair, a paper and a pen. Gifts from God. I sit to write to you all. ‘Tis almost Christmas once again. I’m trying to enjoy it, but I keep messing it up with thoughts of “I’ve really got to stay on this, I still have to sew and make chocolate candy and buy more stuff and what in the world am I going to serve for snack for our buddy singing and church is here less than two weeks after Christmas and I still have to house clean the kitchen and that will take a day and I’m going to the dentist and there are just two more weeks till Christmas!”

Like I said, I do like Christmas. The girls and I had a blast putting up Christmas décor. Oh, and it’s really fun being expected to spend a bunch of money buying neat things for the children. And being able to get things I know each one will especially like. And the feasting to come and the chocolate and cookies – I’m glad people make all that rot. I’m glad God made food interesting and a continual delight. Oh yes, Christmas is wonderful. I’m glad we make such a huge deal out of celebrating the birth of Christ. There can never be too much gratitude and rejoicing.

Speaking of gratitude, God has given us another fruitful year. A lot of sameness, as well as growing and changing. Come January, all of my brothers will hail from places other than Lancaster County. That’s definitely a large scale change for us, being of those Amish whose families, generation after generation, all live in one big pile. Mike is in college in Idaho, Raymond and Allan live on the farm in Missouri, and Nathan and his family plan to move to Missouri also. We’ve seen that country twice now – we went out in June after Dad bought the farm. I mean, we had to see it. And then we went out again a few weeks ago for Dave to hunt. And for a vacation. The area is quite pretty. Hills and trees and grasses and sky. Elbow room. Amazing land prices. Shall there be an exodus from Egypt, er, Lancaster County? Time will tell, I suppose.

Another change has been homeschooling full time, as in doing lessons every day. Maria would be in first grade now and Naomi in kindergarten. I tell people it’s harder than you think, and more fun than you’d think. Hard to get everything else done when we’re doing school for several hours each day, and fun to be the one teaching our own children these things.

Maria comes by with the wildest stuff. Random, like reading about the ant lion in the Childcraft book. She was telling the story of how they dig a hole, so other little bugs fall in, and then they throw sand over them so they can’t get out. And Dave remembered watching that at the mountains when he was a kid but he didn’t know they were called ant lions.

We are all well, but we have had a few bumps this year. In June, Maria and I both contacted Lyme disease. Fortunately, our chiropractor recognized the bull’s-eye rashes on Maria and pointed us in the right direction. We took antibiotics and are now doing natural treatment which we are happy with. I certainly found out more about Lyme than I ever cared to know.

Maria is still a voracious reader. Anything from Ivanhoe to Calvin & Hobbes to the Hardy Boys. Scary stories are awesome. Naomi is getting into chapter books, although mostly she would rather put on an apron and trot after me, bringing trouble that I could have done without, but also laughter. She is a sweet, capable little helper. She also finds it invigorating to tease Lucian. The poor guy. Having two big sisters can be trying, indeed. Lucian enjoys little brother Virgil a lot and is quite good with him. They are three and sixteen months and good buds already. Driving their tractors and sitting on each other on the rug. Wrestling at their age! The girls never did that. So cool. Virgil is a big little chunker, easy-going and happy. He loves books (to their detriment) and bringing toys for me to exclaim over. He is sweet and much loved by all of us.

Dave is quite busy with being a realtor. He still spends some time in the fiberglass shop doing oversight and bookwork, but mostly he is hither and yon, always finding something new and exciting. He loves his work. And I love that he’s home a lot, working in his upstairs office. Daddy is the best babysitter there is! It’s so nice to just leave the children with him when I need to be off and doing things.

This Christmas, may the Lord give you eyes to see all his rich gifts.

Let His kingdom come!

Let His will be done!

Anne & all

Read 2011 Christmas Letter

How Will You be Taxed in 2013?

Posted on 12/21/2012

Have you taken any time to consider how you may or may not want to handle your finances?

Summary of Potential Tax Changes for 2013

Tax Law Effective through   12/31/2012 May change on   1/1/2013
Employee Payroll   Tax 4.2% withheld 6.2% withheld
Individual Income   Tax 6 income brackets, taxed   at 10%, 15%, 25%, 28%, 33% and 35% 5 income brackets, taxed   at 15%, 28%, 31%, 36% and 39.6%
Capital Gains and   Qualified Dividends Investors in the 10% and   15% tax brackets are not taxed on long-term capital gains and qualified   dividends. The majority of investors are taxed at 15%. Short-term capital   gains and qualified dividends are taxed at a maximum rate of 35%. The top tax rate on   long-term capital gains will be 20% and for short-term capital gains, 39.6%.   Dividends will be taxed as income, and the highest rate paid could be 39.6%.
Estate Tax Estates worth more than   $5.12 million are taxed at 35%. Estates worth less than that amount are   exempt. Estates worth more than $1   million will be taxed at 55%.
Marriage Tax The standard deduction for   a married couple filing jointly is twice the standard deduction of an   unmarried single filer. The standard deduction for   joint filers will be reduced from 200% to 167% of the single filer’s   deduction. The lowest bracket will be taxed at 15% rather than 10% as in   2012.
Itemized   Deductions Claims from Schedule A are   not limited, regardless of income. The itemized deduction   phaseout threshold will be $177,000.
Exemptions Taxpayers can claim   exemptions for themselves and dependents. The personal exemption   phase-out will be reinstated, affecting the deductions of higher-income   taxpayers.
Child Tax Credit $1,000 for each qualifying   dependent child $500 for each qualifying   dependent child
Child and   Dependent Care Tax Credit Up to $3,000 for one child   or disabled adult dependent and $6,000 for two or more dependents, up to 35%   based on income. $2,400 for one child or   disabled adult dependent and $4,800 for two or more dependents, up to 30%   based on income.
Alternative Minimum   Tax In 2011, the AMT exemption   was $74,450 for married taxpayers filing jointly.  For individuals, the   exemption was $48,450. In 2013, the AMT will   revert to $45,000 for married taxpayers filing jointly.  For   individuals, the exemption will become $33,750.
New Medicare Taxes Currently, the Medicare   tax on salary or self-employment is 2.9%. For employees on salary, this tax   is split evenly between the employee and the employer.  For those   self-employed, the individual pays the entire 2.9%. A 0.9% Medicare tax   increase on salaries or self-employment income in excess of $250,000 for   married taxpayers filing jointly, $200,000 for individual taxpayers, and   $125,000 for married individuals filing separately.  Also, a 3.8%   Medicare contribution tax will be imposed on long-term capital gains and   dividends for higher income individuals.