Friday, October 25, 2013

Top Attractions In Albuquerque, New Mexico - Part 1

Albuquerque offers one any kind of entertaining things one desires to see. Filled with history, yet as modern as any city in the world, Albuquerque offers the visitor a pleasurable experience. Here are just a few of the wonderful things to do.

  • The Sandia Peak Tramway promises one the most exciting and thrilling things one can do in this fabulous city. One will cover 2.7 miles and climb to 10, 378 feet. The view is breathtaking, and it is fun to have a hamburger while looking over an 11,000-mile panorama.

  • The Albuquerque Zoo offers one the following exhibits; Africa, Amphibians, Life on a Limb, Apes, Cat Walk, Elephants, Mexican Gray Wolves, Polar Bears, Reptile House, Australia, Seals, Sea Lions, Tropical America and Zoo Babies. In addition, there is a Botanic Garden, offering a tremendous selection of plants and flowers. Further, there is an Aquarium where in the Pacific Coral Reef exhibit offers over 200 beautifully colored sea life.

  • The Albuquerque Museum of Art and History offers one a remarkable array of art and artifacts from the area. In addition to the permanent displays and exhibits, there are constant new exhibits coming in so that the place is always current and recent. A lovely cafĂ© is on site, so it is easy to spend the day here.

  • The beautiful San Felipe de Neri Parish church first established in 1706, but in the summer of 1792, the old building collapsed during a rainstorm. The present church is built on the town square in the shape of a cross. It contains many famous artifacts and articles.

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    Thursday, October 17, 2013

    An Overview of Vacant House Insurance

    What happens if you need to insure an unoccupied house? It may surprise you to find out that your homeowners insurance is not valid once nobody has lived in your house for 30-60 days. Of course, you can pretend that someone is living there, but don't expect the insurance company to help you out if something happens to your house. They will only protect you if you have unoccupied house insurance. But be prepared for sticker shock. In this author's personal case, the insurance company offered a normal homeowners policy for $400 and a vacant house insurance policy for $2,000. You can get vacant house insurance policies from most home insurers as well as those who specialize in insuring vacant homes. Just keep in mind that although a company may specialize in insuring a house under these circumstances, it does not mean that it will be cheap. How can you save some money on vacant home insurance? You can lower the risk to your insurer by installing security systems, making sure that your doors and windows are tightly sealed, and making your house look occupied (for example, you can ask your neighbor to park their car in your driveway).

    Rather than settling for the very expensive unoccupied house insurance, if your house is to be vacant for a period of time, you can get a caretaker thru Homes In Transition to occupy and stage the home. This way, you get the normal homeowners insurance rates and sell your home faster.

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    Friday, October 11, 2013

    36 Camino De Los Pueblitos (Plactias, New Mexico)

    Pastoral Setting in the Village of Placitas. Enjoy what Placitas is all about with this Rastra built, Energy Eff. Northern NM style Home. Wood Window, Open Gourmet style Kitchen, Granite & B. Block tops, Custom Cabs, Clay Walls, Stained Concrete over efficient in-floor Rad Heat. Spacious Open Loft of 1000 sf open to Great Room below. 2nd Floor Deck overlooks the verdant grounds featuring 1 full acre fenced, a natural spring, flagstone patio and 1000 sf detached gar/ w-shop. Must See. SORRY NO PETS

    36 Camino De Los Pueblitos
    Placitas, NM 87043

    Rent: $650/month
    Application Fee: $45
    Security Deposit: $1,000
    Bedrooms: 4
    Baths: 3
    Sq Ft: 3230
    Acres: 1.0
    Click for More Details

    Thursday, October 3, 2013

    Creating a Realistic Budget - Conclusion

    Budgeting -- ooh, what a scary word! If you want to frighten someone whose finances are out of control, suggest that they tally up their expenses on a piece of paper. We all understand the value of such an exercise, but when it comes to the practicality of putting a budget together, we get cold feet. Budgeting doesn't have to be so painful, when you have a systematic series of steps to follow.

    Visit if Tip 1, Tip 2, Tip 3, Tip 4 and Tip 5 if you have not yet read it.

    So, comparing income to expenses, how does it look? If you came out in the black, congratulations! How much do you have left over? Regardless of how small or large the amount is, start stashing it away into savings and investments! Your choice of how to proceed will depend on your financial goals -- investing for retirement will involve less liquidity and more risk than just saving for next year's vacation. The main thing to remember is that you should build your savings and investments into your budget just like a bill -- and take care of these long-term responsibilities FIRST, before other costs. That's the secret to good financial management.

    Now, if you ended up in the red, we need to talk. The first step is to look at spending which can be reduced or even eliminated. Start by examining those "spending leaks" -- if they give you pleasure and satisfaction, dandy. Certainly late fees and interest charges don't fall into this category! But you can still overdo a good thing.
    Ask yourself if eating out 4 times a week gives you 4 times more pleasure than doing it just once. And could you get as much pleasure if you cooked a good homemade meal? Is the ridiculous mortgage on that 10,000 square foot house worth it? Or could you be just as happy (or even happier with less financial stress) in a place half the size? Also look for convenience expenses -- things that we spend money on because we are overwhelmed, too busy, or just worn out.

    Perhaps by re-evaluating how you use your time, you might discover that many of these expenses are just symptoms of misplaced priorities. When you arrive at a place where all of your spending decisions are DELIBERATE ones, you will find yourself several steps and quite a few dollars closer to a balanced budget that allows you to reach all of your financial goals.

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