Thursday, November 29, 2007

Helpful Hints For A Easier Closing

Whether this is your first closing or if you have been through it before, closing on a purchase of a home can be stressful and all the paperwork can seem overwhelming. However, there are several things that you can do prior to the actual closing day that will help to ensure that your real estate transaction will go smoothly and help reduce the stress and anxiety. • Set the closing date that is best for you. Before you rush to set the date to close, consider that realize not all closing dates are equal. Be sure to sure to set a date that's in your best interest. Some things to consider: Does it give you enough time to prepare your move? Is it near the end of your lease so you won't pay unnecessary rent? Are there tax implications (if it falls at year's end, would you be better off pushing it to January)? • Gather all necessary documents and receipts. Organize all the items you need to take with you to the actual closing, you do not want to forget something and delay the closing. It is a good idea to create a file folder so you have everything in one place. Some items to remember to bring along are: your drivers license or other photo ID, proof of homeowners insurance-bring both the insurance policy and paid receipt, personal checks are not accepted for closing costs so be sure to bring a cashiers check or money order in the correct amount. In addition, if your loan requires that you must satisfy a specific condition in order to close, be sure to have proof that you have met lender conditions or contingencies. For example, if closing the sale on a previous residence was a condition of loan approval, you need copies of those closing documents to close on your new home. • Do a final walk through inspection. This is your last chance to view the property before taking ownership of it. Make sure everything is as you remember it (no new damages, all conveyed items present, etc.). Also, if you made the contract contingent upon certain repairs (based on the home inspection), now is the time to ensure those repairs have been made. Make sure that your contract allows you to examine the property within 24 hours prior to closing. If, during the walk-through, the buyers find major problems or violations of the purchase contract, they have the right to hold up the settlement until things are fixed. • Review all documents. A day or two before closing, you should review your final closing statement or HUD-1 Statement, whichever is used in your area of the country. Take the time to check and double check all the calculations and be certain that you are given credit for all your deposits and any other credits due to you from the seller or for other items agreed upon between buyer and seller. Go over all the lender and title and escrow fees, to be sure they are what you had been told and that you agree to them. Before signing your name to any closing documents, make certain that everything is correct, interest rate, fees charged and condition of the property.

Thursday, November 22, 2007

Albuquerque Holiday Special Events

Now that the holidays are here, celebrate with New Mexico's largest city as we observe the holiday season with notable style and festivities. Take time to enjoy these events with family and friends. • 13th Annual Holiday Shop & Stroll in Historic Nob Hill. Enjoy music, food and special sales with over 50 shops and restaurants along the Nob Hill business district participating in the spirit of the holidays. Central Avenue will be closed to cars from Girard to Washington. A great way to get all of your early holiday shopping done in one area. This is a free event on December 6th, for more information call 255.5006. • Enjoy the Annual Holiday Stroll in Old Town, December 7th. This event features live entertainment, dancers, family activities, Santa Clause will be on hand and the lighting of the giant Christmas tree at Plaza Don Luis. For more information visit • Come enjoy colorful floats and custom cars and bands and more at Albuquerque's Brightest Holiday Event in Downtown . This year’s Twinkle Light Parade promises to be the best ever. The Twinkle Light Parade will light up the night starting at 5:15 pm , November 24th from the corner of 3rd Street and Central Avenue. • From November 24th to December 30th, visitors can enjoy the magic of hundreds of thousands of twinkling lights and dazzling holiday displays at New Mexico’s largest walk-through light show. Each year's the River Of Lights unveils a number of ingenious new sculptures and stunning displays designed and constructed by Albuquerque BioPark artists and craftsmen. • The Annual Rio Grande Arts and Crafts Festival Holiday show will be held November 30th thru December 2nd this year at EXPO New Mexico: Home of the State Fair. This fine arts and crafts festival features over 200 national artists and craftsmen, artists, demonstrations, entertainment, food and fun. National recognized as one of the 200 best shows in the country. Featuring the Holiday Crafts Station for kids and the Holiday Cookie Walk. This season promises many fun things to do, so get out there and enjoy. Happy Holidays!

Thursday, November 15, 2007

A Time For Thanks…And Giving

The season of giving is upon us! If you would like to donate or volunteer to help brighten the holiday for those in need, check out one of the many organizations that needs your help. •The Roadrunner Food Bank is one of our state's largest non-profit organization dedicated to ending hunger. They need your help with the 2007 Holiday Food Drive. Their goal is to raise over one million pounds of food to feed our hungry neighbors this holiday season. With many events and drives going on, there are several ways to participate, visit their website for more information at •Start a new tradition and volunteer to prepare and serve a holiday meal to those in need. Visit this site for a listing of all the organizations in the area that host a free holiday dinner and get hands on and help! •Visit the website and help feed the hungry for free! For every click on their site their sponsors will dontate to helping feed the hungry. You can also learn other free ways to help as well as how to donate money. Giving to your community and those in need makes the holiday complete. Enjoy the food and company of family and friends. Happy Thanksgiving!

Thursday, November 08, 2007

Helpful Tips When Moving With Children

Moving can be a stressful and difficult time for children as well as adults. When children are forced from their familiar surroundings they experience a vast array of emotions. Children can feel scared, angry, anxiety and grief when they learn they are moving. It is important to ease the transition into a new home, below are some helpful hints that parents can use is important for children, some tips for parents include: • Try to involve children in the moving decisions as much as possible. Involving children in the selection of the actual house, what room they will choose as their own and other decisions gives children a sense of empowerment over the situation. • If you are moving across town, take your children to visit the new home and explore the new neighborhood. • Also visit new schools to see if orientation programs are available for newcomers. • If you are moving to a new town or state, do as much research as possible about the area together. • After you have moved into the new house, attempt to get your children’s rooms together first before other rooms of the house so they have a comfort zone to go to with their familiar items. • When moving, there's a certain amount of disruption to regular schedules that you simply can't avoid. But once you've moved in, try to get back to your normal family routines as quickly as possible. This will help younger children, in particular, who need routines and more consistency. Having the same nap times, morning and bedtime routines, and meal times might be comforting. It is important to be realistic on how you expect your children to transition and adapt to the new home and neighborhood. It may take several weeks for a child to adapt and feel comfortable in their new surroundings. Every child is different so remember to be supportive and focus on the positive things that the new home offers, for instance closer to a park or more kids to play with in the neighborhood.

Thursday, November 01, 2007

Albuquerque Museum of Art & History Offers Free Day

The first Wednesday of the month and every Sunday from 9 a.m. to 1 p.m, is free entrance to the museum. It is easy to find, located in a unique position—in the heart of historic Old Town and just across the street from the New Mexico Museum of Natural History. The museum regularly features exhibitions, and from November 18, 2007 thru February 10th, 2008 Temples and Tombs: Treasures of Egyptian Art from The British Museum will be on display. The full range of pharaonic history, from shortly before the Third Dynasty, about 2686 B.C., to the Roman occupation of the fourth century A.D. The exhibition provides a rare opportunity to view renowned Egyptian masterworks and lesser-known treasures before their final return to The British Museum. In addition, you will also experience paintings, sculpture, artifacts, a sculpture garden and they also offer children and adult workshops. For more information visit their website at Don’t miss out on this great cultural bargain! The museum is located: 2000 Mountain Road NW Albuquerque, New Mexico 87104 Phone 505/243-7255 OPEN 9:00 AM - 5:00 PM, Tuesday - Sunday CLOSED MONDAYS AND CITY HOLIDAYS

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