1200 Stagecoach Rd SE (Albuquerque, New Mexico)

Lovely 4 bedroom home in FOURHILLS. This 4000 Square Foot home sits on a large 1.25 acre lot with views of the city and surrounding mountains. Large living room and family room with gas log fireplace. Gourmet sized kitchen with large island and breakfast nook. HUGE dining room for meals of any size. Master bedroom with large closet as well as a jetted tub in the full master bath. Covered patio out back as well as a play area for the kids. Priced to SELL!!

 

1200 Stagecoach Rd SE

Albuquerque, NM 87123

Price: $300,000
MLS#: 747046

Bedrooms: 4
Baths: 3
Sq Ft: 4,000
Garage Spaces: 2
Acres: 1.25

Extras:

2+ Living Areas, Kitchen Island, MB Jetted Tub, Ceiling Fan(s), Pantry, Skylights(s), Smoke Alarm(s), Back Yard Access, Patio Covered, Playground, Fenced Backyard, Rock

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Greg Lobberegt's Buyer Sevices

When acting in his Buyer Agent capacity, Greg believes he has the duty to represent your best interests, including:

• Negotiating the right price for the Buyer, and
• Structuring the transaction to the Buyer’s advantage.

Here are three of the most important ways Buyer Agency works for you.

• Meaningful Savings Are Possible
  

  Greg will help you negotiate to obtain the right price, terms and conditions.

• You Are Represented
  
  

  As a Buyer Agent, Greg will do a comprehensive market analysis of the property you select. This will help you establish fair market value before an offer to purchase is made.

• You Are Exposed To A Larger Market
  
  

  In addition to MLS listed properties, Greg's Buyer Agency System allows him to show you a wider variety of available homes, including unlisted properties – for sale by owners, foreclosure sales and homes not yet on the market. In other words, you will have access to the TOTAL market.

  
  www.GregLobb.com
  

The Biggest Dilemmas To Overcome While Trying To Make A Budget

Simply, a budget is a personal lifestyle Global Positioning System (GPS)--a tool to guide decisions to move living standard from point 'A' to 'B' wisely. As with a GPS, we start where we are and then travel to defined destinations. If we do not use correct starting and ending points, we will be lost.

The budget begins with the current financial condition and 'maps' how' to reach specific goals in a defined future period. The charted course is filled with huge challenges because seldom do we have enough funds to do all 'needed' priorities.

Budgeting is about choosing; it's deciding between competing priorities. Choosing what to do and what to defer is a continuing irritant. Today, the United States must decide between lowering its debt, maintaining its military capability, and sustaining entitlement programs, among other things. It can't do all, although politicians tell us that's possible.
Households face difficult selections, too. In my experience, these three are the biggest dilemmas to overcome as many folks prepare household budgets; each affects lifestyles.

1. Accumulating a reasonable deposit to buy a home
2. Saving systematically to buy the next car for cash
3. Setting aside time regularly to apply a pre-spending decision procedure, and monitoring performance against budget

Accumulating A Reasonable Deposit To Buy A Home

The first dilemma for many households is how to live within fixed incomes, pay rent, and simultaneously accumulate a reasonable, 20-25% deposit, to buy a home. The temptation to buy a home with a lower down payment is great; particularly because the rent might be below current mortgage rates.

We need discipline to overcome this. The householder must sacrifice the short-term for the longer term. To save a 20-25% down payment, he or she must sacrifice grown-up toys, eating out, buying gifts, cable TV, among other items. However, these sacrifices will contribute significantly to  eliminate debt, stop interest payments, lower monetary stress, and a more stable financial position.

Saving Systematically To Buy The Next Car For Cash

The second dilemma to overcome while budgeting deals with a car. How do we stop making car payments as we provide for daily needs? We must recognize that where we live and where we work can affect our transport needs materially. We can carpool, live close to work, or live where we have access to good public transit. Besides, we should distinguish between weekdays and weekends. We could rely on carpooling or public transport during the week, and on a rented vehicle some weekends.

During this period, we need to identify a monthly sustainable car payment to pay to us. When the time is right and funds are available, we buy the car; however, we would continue paying us, so we buy the next car for cash.

Setting Aside Time Regularly To Apply A Pre-Spending Decision Procedure
 
The third dilemma deals specifically with key behaviors that affect spending directly. First, despite many daily priorities we need to invest time to use a formal pre-spending decision procedure consistently; it's behavior which drives spending. Second, though it will add to things to do, we must monitor actual against budgeted spending, regularly.

Surely, the constant cry will be, "I don't have time." Nevertheless, as we know, we have 24 hours daily; therefore, the issue is, how badly do we want to be free from continuing financial stress and become debt free?

As with most goals, overcoming these dilemmas needs discipline. The journey might be long but the benefits are great: debt freedom, financial stress freedom, and healthy family relationships. Are you ready to overcome these dilemmas and start budgeting?

Article Source: http://EzineArticles.com/7509311

1604 Villa Sandia Rd NE (Albuquerque, New Mexico)

Beautiful Omega built custom home at the base of the FOOTHILLS. This custom home offers a bright and open floor plan on two levels with a large kitchen complete with Ernie Torres cabinetry and plenty of counter space for cooking. Large master bedroom with full master bath, garden tub, and walk-in closet. Full bathroom upstairs & the 1/2 bath downstairs have been completely remodeled. Immaculate landscaping in the front and backyard (backyard offers a cover patio, & storage). A Must See!

Price: $325,000

MLS#: 744995

Bedrooms: 4

Baths: 3

Sq Ft: 2,379

Garage Spaces: 2

Click for More Details

 

Extras

Alarm System, MB Garden Tub, Breakfast Nook, Ceiling Fan(s), Pantry, Sitting Room, Skylights(s), Smoke Alarm(s), Formal DR, Patio Covered, Rock, Wall Privacy, Walled Backyard

Keep Your Pet Healthy With Medication

We do everything we can to keep our pets happy and well adjusted. From daily walks to toys and quality food, we often spare no expense of time and money when it comes to our animal friends. But there is one area of pet ownership that comes with a hefty price financially, and it comes in the form of pet medication. Fortunately there are more services out there than ever before that can make getting the proper medication for the pet you love easier and more cost effective. But what types of pet medication are offered through these services?

The most common type of pet medication is preventative care supplements. This area of pet medication includes things like heartworm medication and even multivitamins to help keep your dog or cat happy and healthy. These medications are very important to protecting your animal from parasites like worms and other nasty critters that can make your pet sick or even lead to premature death. Most of these supplements are considered over the counter and can be ordered through your vet or an online pet care provider. You can even set things up for an automatic refill whenever it is time for a new dose so that you never forget.

The next area of pet medication that has always been popular is pest management and treatment medications. Unlike preventative measures, these medications are geared more towards helping your pet fend of pests or other ailments once they already have them. These products include flea drops and shampoos and even things like joint supplements to help rebuild cartilage and other vital nutrients in the body. Like preventative pet medication, these can also be purchased at most animal care clinics or online for convenience.

A newer type of pet medication comes in the form of natural or herbal supplements. These are great for owners concerned about toxic chemicals or other toxins that are sometimes including in things like flea and tick medications. There are many natural and homeopathic remedies for your pet ranging from flea control to general health and well being on the market. Consult with your veterinary professional before using these type of medications however as they can have side effects or interact with your animals current supplements or drugs.

As you can see there are a vast array of options for supplements, medications, and preventative medicine available to make your pet healthy both inside and out. While there are a great amount of choices out there, remember that just like any medication it should be monitored by a medical professional such as a vet to ensure that it is safe for both you and your pet. Even herbal remedies can have side effects on certain animals, so be sure to report any changes in behavior to your vet. After reviewing all the pros and cons of each medication, you can help make an educated decision that will allow your pet to live a longer, happier life with you for many years to come.

Article Source: http://EzineArticles.com/7505602

Which Type of Windows Is Right for Your Home?

Upgrading your home for sale or for yourself can be a time consuming task.  Here is a little guide to help ease that hassle when deciding to upgrade or replace the windows in your home.

When it comes to selecting windows, one of the things you need to think about is the type of material you will be using. It is quite common for individuals to think they do not have a lot of options. After all, one material mostly looks the same as the next. Before you make an investment, though, it is a very good idea to put a bit of extra time into the selection process to ensure you are buying the highest quality product on the market. Not everyone's needs are the same, but it helps to know that you do have options.


Wood Framing

One of the options that you have is the use of wood framing. It is not nearly as commonly used as other products on the market. These can be clad in aluminum or in vinyl depending on what your needs are. When you add this additional layer, it adds more durability to the structure. Most are going to be a higher price than other products, but they are going to be a good option for maintaining temperature control in your home. It is important to ensure that you are buying the highest quality, though.


Fiberglass Frame

Another option in windows is fiberglass. This type of frame also tests highly in terms of providing insulating qualities to your home. It is more expensive than other types. The best type to buy is the kind that is all-fiberglass, as opposed to those that have a filler or a covering on them. It is a good option for maintaining temperatures and reducing the amount of swing changes in temperature that are common in some homes. You don't want to skimp on quality here, though.


Vinyl Frame

Another option is vinyl. Do not overlook the benefits of this type of window. The fact is that this type is a good overall option for a number of reasons. It is a good option when you want to save money since it tends to be priced the lowest. It is also great because there's no painting or staining required. It is an easy-to-maintain option for most homes. Though they are not traditional and shouldn't be put on a home you are restoring, for most other applications they work well and ensure good energy efficiency in most cases.

Article Source: http://EzineArticles.com/7502894

12709 Calle Cedro NE (Albuquerque, New Mexico)

Lovely home nestled at the base of the FOOTHILLS. This 2430 square foot home offers 3 bedrooms and bathrooms. Private courtyard entry, and ceramic tiles greet you upon entry. Huge master suite with French doors that lead to the beautiful covered patio and low maintenance backyard with stunning views of the Sandia Mountains, as well as an RV pad and storage shed. Stonehenge Stone-coated Steel roofing Panels. Cozy kitchen with LG HI-MACS® counter tops. Huge family room with wood burning fireplace.







12709 Calle Cedro NE
Albuquerque, NM 87111



Price: $329,900
MLS#: 750076
Bedrooms: 3
Baths: 3 full
Sq Ft: 2,430
Garage Spaces: 2


Click for More Information





www.GregLobb.com

Borrowing Money? Get to Know the Truth in Lending Act

If you are considering purchasing a home or a car, or even just opening a credit card account, you should make yourself aware of the Truth in Lending Act, also known as the TILA. The Truth in Lending Act is a 1968 federal law that requires borrowers to make known certain information to potential customers before they utilize the borrowing services. The act is meant to make it easier and more standardized to shop for credit, and to better educate consumers about the true costs of extending a line of credit.

TILA requires that the potential lender disclose all associated costs of borrowing money before they are able to extend a line of credit. These costs include:

• The annual percentage rate
• The loan's terms
• The total cost of the loan to the borrower.

This information must be presented in a standardized format, using standardized terminology. The lender must also share information disseminated by the Federal Reserve Board that explains a consumer's rights when borrowing money. In particular cases, lenders must provide additional materials. In the case of an Adjustable Rate Mortgage, for example, lenders must provide information to consumers about the terms of that particular type of mortgage. The Truth in Lending Act also sets limits on how creditors can advertise their credit services.

Lenders are responsible for complying with the terms of the Truth in Lending Act. They can be held monetarily responsible for misleading or not informing consumers. You should be aware of what information a lender is required to give you before you begin shopping for credit. A lender who does not provide this information is not only breaking the law, but also likely a bad creditor to do business with. Always keep all documents that a lender has sent prior to and during the time you are drawing on a line of credit. These documents could be useful if you begin to suspect that you've been misled by your creditor.

If you have already purchased a home, car, or started a credit card and think that you have been misled by the credit company, you should contact an attorney who has experience in TILA cases. Just because you're dissatisfied with the amount of money that you owe does not necessarily mean that you've been taken advantage of by a creditor. A real estate attorney, or one familiar with financial laws, can help assess if your claim is valid.

TILA cases often come to light when a bank begins the foreclosure process on a home. If your home is being foreclosed on because you are unable to make your payments, you should check with an attorney to assess your options. An attorney can help you determine if a bank's violation of TILA may have led you into foreclosure.

Taking out a line of credit is always a serious business and, as a consumer, you should familiarize yourself with the terminology of borrowing, the terms of particular loans, and laws, such as the Truth in Lending Act that can protect you.

Article Source: http://EzineArticles.com/7477142

www.GregLobb.com