New Mexico Real Estate Blog

545 Aliso Dr NE (Albuquerque, New Mexico)

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Mon, 20 May 2013 15:35:17 -0700

Nob Hill And Unm Area! Corner Of Lomas And Aliso But Priced Right! Refinished Hardwood Floors, Enclosed Entry, Nice Master Suite With Double Sinks, Living Room Has Built-ins And Fireplace, Thermal Windows, All Appliances Stay! Detached Guest House Is 432 Sf With Brick Floor, Full Bath, Kitchenette, Stacked Washer/Dryer...Cute! Easy Care Landscape In Front, Wood Deck In Back And A Fenced Dog Run! Tons Of Storage In Kitchen With A Wall Of Pantry!

545 Aliso Dr NE

Albuquerque, NM 87108

Price: $295,000

MLS#: 758767

Bedrooms: 3

Baths: 1 Full, 1 Partial

Sq Ft: 1,832

Garage Spaces: 1 Car Port

Click for More Details

Interior Features:

Bar In Kitchen

MB Dbl Sink

Built-In Bookcase

Cable TV

MB Shower Only

Pantry

Family DR

www.JoeMaez.com

Questions Sellers Need To Ask A Real Estate Broker - Question 1

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Wed, 15 May 2013 13:43:29 -0700

We have finished our series on questions buyers need to ask a real estate broker. Now it's time to look at a similar list, but rather for sellers this time around.

1. How much do you charge?

You may think you know the answer to this question. In the Albuquerque/Rio Rancho area it's always 6% right? Not necessarily. Some brokers will charge more just because they have that perogotive. They may offer a higher quality service at this higher rate, but you want to verify that is the case. Some brokers may charge less because they offer a limited service as a broker. Some brokers may offer a discount to you as the seller if they are also representing the buyer.

Not all brokers service is equal...nor is the price. Sometimes this price may be negotiable as well, though this is not common. Regardless, a good broker will be worth every penny you spend on their service and to attempt to sell your home any other way will be more difficult.

www.JoeMaez.com

3727 Candelarias Ln NW (Albuquerque, New Mexico)

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Mon, 13 May 2013 13:18:46 -0700

Stunning home in fabulous gated community in the heart of the North Valley. Amazing open floorplan with, dbl oven, plenty of counter top space. You won't believe the HUGE master suite with garden tub, separate shower, double vanity and large walk in closet. Beautifully landscaped backyard. Absolutely gorgeous!

3727 Candelarias Ln NW

Albuquerque, NM 87107

Price: $262,000

MLS#: 758508

Bedrooms: 3

Baths: 2 Full, 1 Partial

Sq Ft: 2,312

Garage Spaces: 2

Click for More Details

Interior Features:

Loft

MB Dbl Sink

MB Garden Tub

Breakfast Nook

Cable TV

MB Shower/Tub

Pantry

Great Room

Walk-In Closet

www.JoeMaez.com

Questions Buyers Need To Ask A Real Estate Broker - Question 5

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Mon, 13 May 2013 12:38:00 -0700

We have looked at Question 1, Question 2, Question 3 and Question 4 in this series of questions you need to ask when buying a home already. It's time for Question 5!

5. Are there any important future plans for the area?

You may be able to answer this question by doing your own research about the area, but it is still wise to ask the broker for their input on open space, commercial, building restrictions and such. It would be frustrating to move into your new home only to find that a local grocery is closing down or that a new house is going up where your mountain views currently reside. Be sure you are not surprised by anything by knowing what is currently capable or in the works.

Question to the reader: Have you ever purchased a home that not all was what it seemed in the neighborhood?

www.Joe Maez.com

600 Acebo Rd NE (Rio Rancho, New Mexico)

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Tue, 07 May 2013 14:27:52 -0700

Views Views Views. The Views on from this property are some of the best in town. Open functional floorplan with plenty of storage. Large open kitchen with plenty of natural light. Great sized bedrooms. This home is situated on a large one acre lot which provides for great privacy.

600 Acebo Rd NE

Rio Rancho, NM 87124

Price: $362,000

MLS#: 758082

Bedrooms: 4

Baths: 2 Full, 1 Partial

Sq Ft: 2,766

Garage Spaces: 2

Click for More Details

Interior Features:

Beam Ceiling

Master Bath Garden Tub

Separate Shower

Separate Tub

Skylights

Study/Office

Walk-In Closet

www.JoeMaez.com

11501 Wilshire Ave NE (Albuquerque, New Mexico)

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Thu, 02 May 2013 08:06:19 -0700

Spectacular Custom Built Home in North Albuquerque Acres. Stunning Mountain and City Views. Elegance and Style are showcased throughout this 7250sf home. The Gourmet Kitchen with high end appliances and granite countertops are just a few of the amenities this beautiful 5 bedroom home boasts 2900 sf basement with Wet Bar, Game Room, Theater Room, Fitness Room, possible 2 extra bedrooms and lots of storage. Motorized skylights. Finished Attic not included in square footage.

11501 Wilshire Ave NE

Albuquerque, NM 87122

Price: $900,000

MLS#: 756151

Bedrooms: 5

Baths: 3 Full, 3 Partial

Sq Ft: 7,250

Garage Spaces: 4

Acres: .85

Click for More Details

www.JoeMaez.com

Questions Buyers Need To Ask A Real Estate Broker - Question 4

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Mon, 29 Apr 2013 14:02:38 -0700

We have looked at Question 1, Question 2 and Question 3 in this series of questions you need to ask when buying a home already. It's time for Question 4!

What offers have the owners had so far?

It is always worth asking the real estate broker representing the seller what the terms of their received offers have been. Likely you will get a response that there have been other offers made, but usually the details are not divulged. Regardless, knowing whether any offers have been officially submitted is quite valuable on its own. This gives you an idea of the demand for the property indicating whether you need to make a faster decision or not. Along this line of inquiry you may want to ask what the bottom line price for the property would be. This will help get negotiations under way and give you a reference point for where to begin.

A question for you the reader: Have you ever negotiated the price down below the price listed for a house you really wanted?

www.JoeMaez.com

1205 Sea Biscuit Dr SE (Albuquerque, New Mexico)

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Thu, 25 Apr 2013 15:12:09 -0700

Elegance by any other name is not quite the same; Brick Pulte Home in the Prestigious Community of Four Hills. Walk through the open courtyard and options await, would you like to enter into the Casita, would you like to enter through the main door or... This home is outfitted with Cherry Cabinets, Granite counters and built in appliances, 18 inch custom installed tile in all areas other than the bedrooms. There are too many appointments to name, Spoil yourself and take a look.

1205 Sea Biscuit Dr SE
Albuquerque, New Mexico 87123

Price: $368,000

MLS#: 757105

Bedrooms: 3

Baths: 2 Full, 1 Partial

Sq Ft: 2265

Garage Spaces: 2

Click for More Details

Interior Features:

Alarm System

Kitchen Island

Bar In Kitchen

Breakfast Nook

Master Bath Double Sink

Master Bath Garden Tub

Master Bath Jetted Tub

Ceiling Fans

Pantry

Separate Entrance

Dining Room Front

Walk-In Closets

Wet Bar

www.JoeMaez.com

Questions Buyers Need To Ask A Real Estate Broker - Question 3

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Mon, 22 Apr 2013 17:21:26 -0700

We have looked at Question 1 and Question 2 in this series of questions you need to ask when buying a home already. It's time for Question 3!

How did you decide on your asking price?

The Realtor representing the seller should be able to go into some detail about why they are listed at the price they are. Be sure they provide you with comparisons of homes in the area that have sold as well as those currently on the market. The Realtor will likely go into specifics about how this listing compares with the others on features and conditions. Of course you want to do your own homework on those sold homes and listings to decide whether you agree with the evaluation or not.

www.JoeMaez.com

6408 Avenida Seville NW (Albuquerque, New Mexico)

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Fri, 19 Apr 2013 07:43:52 -0700

Pride of Ownership shows in this home both inside and out! Amazing homesite backing up to no nieghbors. Home offers 2 living areas downstairs & a loft up upstairs. 5 bedrooms, 3 full bathrooms and a 3 car gargage. Upgraded amenities though out. If you are looking for a home with plenty of space and storage than you have just found the perfect home.

6408 Avenida Seville NW

Albuquerque, NM 87114

Price: $249,000

MLS#: 749902

Bedrooms: 5

Baths: 3 Full

Sq Ft: 3,200

Garage Spaces: 3

Click for More Details

www.JoeMaez.com

Questions Buyers Need To Ask A Real Estate Broker - Question 2

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Mon, 15 Apr 2013 18:05:12 -0700

Continuing on with our series on questions to ask your Real Estate Broker when buying a home.

2. How long has the property been on the market?

A house that has sat on the market for more than six months could have underlying issues that are not obvious. It is likely the home has been overpriced. However, it may have structural issues. It may need some other major repair or updating work. Regardless, a house on the market for that long may be more willing to accept an offer that is lower than their asking price.

Questions Buyers Need To Ask A Real Estate Broker - Question 1

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Thu, 11 Apr 2013 16:08:45 -0700

Buying a home is certainly exciting, but it can also be stressful. Your own research about homes is a great start, but some questions must be answered by a broker. This series will explore some of those questions.

Why is the owner selling?

A perfect starting point for questioning. The ansewr should give you some great insight to the home and why the homeowner no longer wants the house. If the seller has already purchased another house they may want to sell their listed property quickly. This information can be vital in negotiations. You will also want to ask what is included in the sale. It would be a certain disappointment to purchase a home only to realize that none of the appliances or fixtures are included.

4109 Piedras Pase Ct NE (Rio Rancho, New Mexico)

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Tue, 09 Apr 2013 12:17:40 -0700

Shows like a model! The beautiful kitchen has loads of cabinetry, solid surface countertops, black appliances, walk-in pantry, tile flooring & overlooks the wonderfully landscaped backyard & large covered patio. The family room has a 2 story ceiling & fireplace. Don't miss the loft, walk-in closets in all of the bedrooms. Custom blinds throughout & raised block wall around entire yard perimeter.

4109 Piedras Pase Ct NE

Rio Rancho, NM 87124

Price: $249,900

MLS#: 754481

Bedrooms: 3

Baths: 2 Full, 1 Partial

Sq Ft: 2,231

Garage Spaces: 2

Click for More Details

Interior Features:

Alarm System

Bar In Kitchen

MB Dbl Sink

MB Garden Tub

MB His/Her

Raised Ceiling

Separate Shower

Separate Tub

Formal Dining Room

Great Room

www.JoeMaez.com

Guide To Buying Essential Pet Supplies Online

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Thu, 04 Apr 2013 16:03:44 -0700

There is no denying that there are a lot of advantages in buying online; it is quick, can get you great deals and is delivered straight to your doorstep without you having to step a foot outside your house. However, it can also mean that you end up buying stuff that you do not need or products with short expiry dates. So here are a few tips for staying on track when buying online.

Before logging online, first time pet owners should put together a shopping list. Pet supplies can be divided into 3 main categories: Pet Food, Grooming and Health which includes medication, shampoo and rinses and Accessories which includes collars, beds, leash, toys etc.

Online shopping websites for dog supplies and cat supplies offer a wide range of products at reasonable prices. Most of these sites offer customer support and some of them even have an in house vet who can be consulted prior to making any purchases. However, with so many options available in every category, it is best to consult your vet before shopping. A vet consultation will help you devise a plan to keep your pet healthy and guide you on the right products for your pet depending on its age, breed and size.

Pet Food: Selecting the right food for your pet is an important and somewhat difficult task because of the number of options and specialized diets available these days. Commercially prepared food is now available in a variety of choices keeping in mind the pet's age, specific condition and age of the pet. To ensure that your pet eats a balanced and nutritious diet, it is best to make yourself aware of the options available and then purchase accordingly.

Grooming & Health: Regular grooming is the easiest way to care for your dog and maintain awareness of your pet's health. It is important to have a daily routine to take care of your pet's skin and coat. Brush your dog regularly as this simple task allows distribution of natural oils through the coat and also allows you to spot anything unusual.

As every pet owner knows, the biggest problem for pets is fleas and ticks. It is extremely important to devise a good flea and tick control plan to ensure your pet's health. It is recommended that you consult your vet before selecting any product. Before administering any product, ensure that you read the manufacturer's instructions of usage carefully and administer correct dosage. As a precaution, you should also make yourself aware of the possible adverse reactions as well as how to help your pet in case such a situation does arise.

Accessories: Ensure your pets' comfort by buying him a bed and blanket as well as a collar, a leash and some toys to keep him amused.

Bear in mind that these are the basics, there are a lot of choices of luxurious and expensive pet supplies online like designer accessories, bags, clothes, jewellery as well as gourmet food available for pets today.

www.JoeMaez.com

Article Source: http://EzineArticles.com/7537431

851 26th Ave NE (Rio Rancho, New Mexico)

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Tue, 02 Apr 2013 04:05:45 -0700

Custom perfection! Many Amenities In This Home Including Custom Cabinetry Throughout, Stainless Steel Appliances, Kitchen Island + Oversized Pantry. High End Plumbing & Fixtures Throughout, Built-in Entertaiment Center, Glass Block Accents, Nichos, Oversized Finished Garage , Covered Patio .

851 26th Ave NE

Rio Rancho, New Mexico 87144

Price: $325,000

MLS#: 752669

Bedrooms: 4

Baths: 2 Full

Sq Ft: 2,485

Garage Spaces: 2

Click for More Info

Interior Features:

MB Garden Tub

MB His/Her

Cathedral Ceilings

Raised Ceiling

Dining Room L

Separate Shower

Separate Tub

Dressing Area

Smoke Alarm(s)

Foyer

Walk-In Closet(s)

Water Closet(s)

Directions: From Northern and Unser,go west on Unser to Cherry Rd. Go west on Cherry Rd. (long winding road) until you get to STOP sign and turn right into Meadows/10th St. 26th Ave. will be on left side of road and property is on north side of road

3 Common Renovation Mistakes Home Sellers Make

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Thu, 28 Mar 2013 14:50:03 -0700

When I take clients to view potential homes to purchase there are 3 common renovation mistakes that home buyers notice which they can use to their advantage.

Note to Sellers: Begin by focusing on the goal of the renovation!

These 3 common renovation mistakes occur in the following scenarios:

1. When a seller decides to renovate their home prior to putting it on the market

2. When a seller decides to renovate their investment property prior to putting it on the market

3. When a difficult to sell property gets a makeover after it's been on the market forever

Sellers, you need to begin by focusing on the goal of the renovation!

The goals of the renovation should accomplish the following:

a.) Attract buyers by increasing the likelihood they can see themselves living in the home.

b.) Increase the number of potential buyers. Few buyers want to do renovations unless it's a fire sale.

c.) Not to decrease the number of potential buyers. Few buyers want to redo a poor renovation.

d.) Get yourself the most money possible from the sale. Reduce the buyer's reasons to offer less.

e.) Get your property sold sooner rather than later so you can move on.

Keep this in mind: When buyers are looking for a home to purchase they are eliminating homes from their list of potential homes in order to find the home they will buy.

The 3 common renovation mistakes include appliances, countertops and flooring.

Making choices that don't help to accomplish the 5 goals above is where sellers fail. Choosing cheap is money lost. Poor workmanship is money lost. Going too high end is money lost. Choosing wisely will help you accomplish your 5 goals and reap the rewards.

Appliances:

An error in judgement is to install low cost white appliances. Although they may be better than what was there previously, homebuyers will still be intent on replacing them. They are just plain ugly to the majority of buyers. It's likely the buyer will factor the cost of replacement into their decision which reduces their offer price.

Solution: Choose good quality stainless steel appliances. They don't need to be top end, although they will cost more than those cheap plain white ones you will have accomplished what you set out to do which is to attract the buyer. This will work in your favour. Stainless steel appliances are what most buyers want, they are attracted to them. I never said that it was going to be logical.

If I could show you videos of buyers bee-lining for the stainless steel appliances and touching them you would understand. I've also seen someone hug a stainless steel fridge. Just ask anyone with stainless steel appliances how many finger prints they have to polish off their fridge after each showing.

As of today's date stainless steel is still a good bet. It will be a while until North America gets hooked on those coloured SMEG fridges.

Countertops:

An error in judgement is to install arborite counter tops. Home buyers are repelled by them it's one of the first things they notice. They immediately think ugly and quickly calculate how much it will cost to replace them. Note: They always calculate more than it would have cost you to install decent countertops in the first place.

Arborite also has a way of turning people right off. The property down the street sold because it had beautiful countertops, oh and a really great tile back splash. The property with the arborite countertops hasn't sold yet.

Solution: Choose current & good quality countertop materials. Quartz and granite are popular however be wary of colour choices since some may already be considered dated. Consult a professional designer, stager or kitchen consultant. Ask your realtor to point you in the right direction.

Flooring:

An error in judgement is to replace or install carpet. The majority of buyers want to rip it out. Many newly carpeted abodes have had the carpet ripped out as soon as the new owner had a chance. Yes the buyer will calculate the time, hassle and cost to get rid of the carpet and factor this into their offer.

Note: If the target audience to buy your property is aged eighty or older carpet is usually considered a good flooring option.

Solution: Engineered Hardwood or Laminate. Laminate is typically the most cost effective and there are good and bad choices of course. You need to educate yourself so don't hesitate to consult a flooring specialist. Choose wisely since cheap options look cheap and potential buyers will judge harshly. You guessed it, a lower offer since they will immediately want to replace it.

Have you ever walked into a home with cheap laminate and watch people react? I have seen potential buyers get so fixated on how cheap the laminate flooring looks. I can see it in their eyes before they tell me. They can't imagine entertaining in the space let alone live there. Cheap laminate in one condo just helped to sell a competing condo for sale in the same building. In other words the potential buyer bought the property with a more attractive floor choice instead.

Good luck with your renovations and stay focused on your goals!

There may be instances where it does not make sense to do upgrades prior to selling residential real estate. Consult your realtor prior to making a decision to renovate so you can make an informed decision.

I'm here to help you take advantage of your real estate opportunity.

Increasing your security by reducing your risk is one of the most important jobs I do as your realtor.

www.JoeMaez.com

Article Source: http://EzineArticles.com/7550327

6404 Del Carmen Dr NE (Rio Rancho, New Mexico)

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Wed, 27 Mar 2013 15:57:27 -0700

Amazing listing!!! Tuscan meets Northern New Mexican style. A large courtyard entry greets you as you arrive to this beautiful custom masterpiece. High ceilings and plenty of natural light. Open living concept. Side yard access to park and RV or any other toys you may have. Make your appointment to see this home in person.

6404 Del Carmen Dr NE

Rio Rancho, NM 87144

Price: $265,000

MLS#: 738775

Bedrooms: 3

Baths: 2 Full, 1 Partial

Sq Ft: 2,316

Garage Spaces: 2

Interior Features:

MB Jetted Tub

Separate Shower

Separate Tub

Sitting Room

Skylights(s)

Smoke Alarm(s)

Foyer

Study/Office

Walk-In Closet(s)

Hire a Property Manager or Take Care of the House Yourself

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Thu, 21 Mar 2013 19:55:29 -0700

There are a number of factors to consider when you're making the decision about whether or not you're going to hire a property manager to take care of your investment property or if you're going to manage it yourself.

Primarily, the typical goals of property investors are to protect their investment and maximise the returns they make, so the first decision must be financial. Before you hire a property manager, you need to get a good, realistic idea of the costs. Property managers do not work for free. Managers will charge a fee usually based on a percentage of the rent. There may also be costs payable to the Manager associated with advertising, and finding and vetting prospective tenants. This needs to be balanced against the costs of doing the work yourself. You need to consider the value of your own time, whether you'd get a better return working in your primary job or looking for other investments.

You also need to consider your experience and skills. If you are available and able to do basic repairs and chase up unpaid rent and ensure you are meeting your legal obligations to your tenant, you may be able to manage it yourself. However, if you are trying to fit managing a property in around your other work you may find dealing with phone calls about leaking tap, trying to chase up a plumber and seeking advice about debt collection and eviction procedures takes more time than it is worth.

Property managers have volume advantages which mean they have reliable tradespeople they can call on to get repairs done in a timely and cost effective fashion. They are also familiar with Tenancy Laws and will ensure all work done complies with standards.

Property managers are generally well placed to know what the market rates are for rent in your area. This is important so that rent is high enough that you get the best return, but also attractive enough to tenants to keep the property rented out consistently. It can be hard to establish the right rate without expert guidance. You will need to have procedures in place for chasing up unpaid rent. Getting late payment from tenants can be difficult and awkward and you run the risk of being not notified about maintenance if they are trying to avoid you. Professional property managers have systems in place to collect rent. This is particularly important if being paid on time is vital to your cash flow.

Managing your own rental properties is an extensive learning curve, which may be beneficial if you are considering making property your primary career. However, if your intention is just to make money from investing in property, a manager is probably the more sensible way to go.

Article Source: http://EzineArticles.com/7541496

www.JoeMaez.com

4613 Croyden Ave NE (Albuquerque, New Mexico)

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Tue, 19 Mar 2013 19:15:57 -0700

Ready for moving this beautiful custom home in Paradise knolls boast an open spacious floorplan with all the right touches. Luxury granite countertops and quality custom cabinets. Large bedrooms and bathrooms. The large garage store all of your stuff!. Come check it out today.

4613 Croyden Ave NE

Albuquerque, NM 87114

Price: $475,000

MLS#: 738589

Bedrooms: 4

Baths: 2 full, 1 partial

Sq Ft: 3,800

Garage Spaces: 3

Click For More Info

Interior Features:

2+ Living Areas

Kitchen Island

Loft

MB Jetted Tub

Cable TV

Ceiling Fans

Separate Shower

Sitting Room

Formal Dining Room

Foyer

Great Room

Walk-In Closets

Wet Bar

Causes of High Cholesterol

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Fri, 15 Mar 2013 11:20:17 -0700

Over one hundred million Americans have high cholesterol. Derived from the Greek word "chole" for bile, this thick substance is produced in the liver and is very important to the good health and functioning of the human body. Cholesterol has numerous functions in the body and it is found in the outer layer of every human cell. Among its functions include the following; production of bile, aids in cell membrane growth and production of the hormones estrogen and testosterone. Cholesterol also helps to metabolize fat soluble vitamins in the body.

We are all focused on hearing about how dangerous cholesterol is but in fact it also serves a very vital purpose to the body. However there is both "good" and "bad" cholesterol and this is where it is important to know the difference. How we produce cholesterol: When we eat animal proteins we produce cholesterol. Fruits, vegetables and grains cannot produce cholesterol and they do not contain any. When meat, eggs and dairy products are consumed they enable the body to make cholesterol. It is a question of eating these foods in moderation as too much saturated fat can lead to elevated cholesterol levels which can be unhealthy and dangerous.

Types of cholesterol: Cholesterol can be one of three types; HDL, LDL or Triglycerides. Lipoproteins carry cholesterol throughout the bloodstream. LDL cholesterol is what is known as the "bad cholesterol". This is the cholesterol that is carried from the liver to the body's cells. If too much is carried into the body, you will develop excess cholesterol. Excess can lead to many health complications including arterial plaque and heart disease. The "good" cholesterol is known as HDL. It works in an opposite way to LDL because it actually carries the cholesterol away from the cells and back to the liver. The liver then will discard this cholesterol out of the body. HDL can help prevent heart disease. Most fat found in the body is in the form of triglycerides. They are made from the foods that we eat. Normal Cholesterol Levels: There are cholesterol guidelines of what is considered normal and what is considered high. Normal is less than 200mg/dL and high is anything 240mg/dL or higher.

What high cholesterol can do to your body: High cholesterol can have many deleterious effects on your body and your health. Heart disease is one of the main potential consequences. The arteries can become blocked which reduces blood and oxygen flow to the heart. You will also increase your risk of a heart attack or stroke. Symptoms of high cholesterol: If you haven't gone to see a doctor and get blood work yet you may notice various symptoms if you do have high cholesterol. These may include some of the following; pain in your legs when walking or exercising because the arteries have narrowed and yellow patches on your skin, particularly around the eye area. These patches are actually cholesterol deposits and are a tell tale symptom that you have high cholesterol levels.

Causes of High Cholesterol: There are several known reasons for developing high cholesterol. It should be noted however, that sometimes there is a genetic predisposition to high cholesterol levels. Poor nutrition: Eating large quantities of cholesterol laden foods such as meat and dairy can increase your cholesterol. Most dangerous are foods that are high in saturated fats. Red meat, sausage and sugary baked goods all have high saturated fat levels. Eat fresh whole foods in the form of lean proteins, fresh vegetables and whole grains and a little bit of fruit.

Obesity: Excess weight can also increase bad cholesterol levels. Try to maintain a weight that is appropriate for your height and gender. You can refer to a body mass index scale, also known as a "bmi". This chart will tell you the weight range you should be in. Smoking: Smoking of course is an extremely unhealthy habit to have. And it can raise your cholesterol levels as well. Speak to your medical provider who can help create a program for you to follow to quick this habit. Age: Cholesterol levels increase naturally with age. Usually at the age of 50, a man's cholesterol levels will taper off naturally. Women's cholesterol levels will naturally begin to rise after they have reached menopause. This does not take into account of course, for all of the various lifestyle and medical factors that can raise your cholesterol levels as well.

Lack of exercise: People who do not exercise will more likely have higher cholesterol than people who incorporate exercise into their lifestyle. Additionally sedentary people will tend to have lower amounts of the good cholesterol, HDL, as well. Part of a healthy lifestyle incorporates a regular exercise program. Find exercise that you enjoy doing and try to commit to exercising three to five times weekly for a minimum of 30 minutes. Medical Conditions: There are certain medical conditions that tend to create higher cholesterol in the body. These include diseases such as diabetes, kidney and liver disease.

Diagnosis: Under the care of your medical provider, a blood test is performed which will check LDL, HDL and blood triglyceride levels. Medication: There are various medications that your physician may prescribe for you if you suffer from high cholesterol. Statins: this drug lowers cholesterol by blocking liver enzymes that produce it. There are various side effects associated with statins and include headaches and constipation but not everyone will experience these effects. Niacin: Niacin will reduce both HDL and LDL levels and it is a B vitamin. Your doctor may prescribe a particular dosage for you. You may experience flushing and tingling side effects. Aspirin: Aspirin is a common medication doctor's recommend taking for high cholesterol levels. If you have high blood pressure along with high cholesterol your doctor may prescribe other drugs such as beta blockers or calcium channel blockers. Your doctor will know what exactly is appropriate for you depending on your blood work, age and health condition.

You can reduce your cholesterol levels in various ways. By looking at the various causes of high cholesterol you can begin to assess which areas of your life you may change to become a healthier person. Of course, always consult with your medical provider before undergoing any type of lifestyle, nutritional or exercise program, particularly if you are elderly or suffering from any disease or ailment.

Article Source: http://EzineArticles.com/6952262

8612 Eagle Rock Ave NE (Albuquerque, New Mexico)

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Mon, 11 Mar 2013 23:49:38 -0700

A true work of art. One of a kind home. From the moment you walk into this charming 2 story you will feel at home. Wonderfully designed 4-5 bedroom w/warm brazilian hardwood floors and easy care ceramic. The chefs kitchen boasts custom maple cabinets and natural stone counter tops. With frames you could view and quality schools near by call today to make this your new home.

8612 Eagle Rock Ave NE

Albuquerque, NM 87122

Price: $585,000

MLS#: 753549

Bedrooms: 4

Baths: 2 Full, 1 Partial

Sq Ft: 3,638

Garage Spaces: 3

Click for More Info

Directions: From Alameda go East on Ventura, take a left and go 2 blocks to Eagle Rock. Take a left on Eagle Rock home is on the left.

www.JoeMaez.com

39 Monte Vista Dr NE (Rio Rancho, New Mexico)

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Fri, 08 Mar 2013 03:41:27 -0800

New Listing!!! Exquisite home featuring upgraded ceramic tile and carpet, every room is spacious, loft w/room for a pool table. The kitchen has Cherry cabinets and walk-in pantry, a large kitchen island with solid surface countertops for easy clean-up and style. Huge Master bedroom with sitting area, lovely bath and walk-in closet. Backyard is fully landscaped. Quick close and move-in possible.

39 Monte Vista

Rio Rancho, New Mexico 87124

Price: $379,900

MLS#: 753202

Bedrooms: 5

Baths: 4

Sq Ft: 4,071

Garage Spaces: 3

Understanding Your Credit Report

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Tue, 05 Mar 2013 06:32:15 -0800

Traditionally, your credit report has looked like something out of a data collector's worst nightmare. Codes, lines of data, and mysterious marks made them very difficult to read. In the past decade, things have become much easier to read and understand. All three major reporting agencies follow similar formats for their consumer reports. Direct lender pulled reports are a bit more difficult to understand, but essentially all three agencies have the same information on the reports. Personal, Employment, Public Records, Revolving Accounts, Installment Accounts, Mortgage Accounts, Collection Accounts, Inquiries and Creditor information.

Personal Information:
Every report will contain personal information. Every time you fill out an application for anything, this information generally ends up in your credit file. Information such as telephone number, current address, and former address may be listed.

Employment Information:
On those same applications, you may have had to list you employer. This is especially true in the case of an application for the extension of credit. This information will end up on your file.

Public Records:
A public record listing is any information obtained from county, state and federal courts. These types of records include bankruptcies, civil judgments and tax liens. Each entry should have a file date, case number, balance and other relevant data.

Revolving Accounts:
The term revolving account is often used interchangeably with a credit card. These accounts revolve in the sense that when you utilize them, what you owe is reported as greater and available credit goes down. When you pay it off, the opposite occurs. Understanding how these types of accounts report is fairly easy. The trade line usually reports the last 2 years of payment history, current limit, and current balance. Be aware; Revolving accounts often have a major impact on your credit score.

Mortgage Accounts:
All obligations that are secured by a mortgage are provided here. This will include purchases, refinancing, and home equity lines of credit.

Installment Accounts:
Unlike credit cards, these accounts do not revolve. The account starts with a fixed amount owed that goes down with subsequent payment. The formatting on the report will be similar to those of a revolving account. Examples of this type of account are automobile loans and student loans.

Collection Accounts:
Collection accounts involve third party companies that have either purchased past debt obligation, or are assigned to collect on debt obligation that are alleged to have owed and not paid in accordance to the stipulation of your contract.

Inquiries:
Every time you apply for credit, or there is lender with business justification (collection company checking for new information), the inquiry is recorded and listed for other creditors to see. This information will fall off your report after two years.

Article Source: http://EzineArticles.com/7523530

www.JoeMaez.com

4743 Southdale (Albuquerque, New Mexico)

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Thu, 28 Feb 2013 14:57:58 -0800

Open house this coming Sunday 3/3/13 from 1pm-3pm if home is still available.

Brand new beautiful home! Get it before it's sold. All the upgrades can be found in this wonderful property. Gated yard. Backyard access. Granite countertops. Luxurious bathrooms. Very large bedrooms make for a comfortable home. This home is must see.

4743 Southdale

Albuquerque, NM 87105

Price: $225,000

MLS#: 752662

Bedrooms: 4

Baths: 2 full

Sq Ft: 2,210

Garage Spaces:2

Click for More Info

www.JoeMaez.com

Open House This coming Sunday 3/3/13 from 1-3 pm if home is still available. Brand New Beautiful Home! Get it before it is sold. All the upgrades can be found in this wonderful property. Gated yard. Backyard access. Granite countertops. Luxurious bathrooms. Very large bedrooms makes for a comfortable home. This home is a must see. - See more at: http://listings.nmhomesplus.com/idx/5282/details.php?idxID=081&listingID=752662#sthash.qYENK21v.dpuf

Advantages of Converting to a Self-Directed IRA

Joe Maez, CDPE (The Maez Group at Keller Williams Realty) — Tue, 26 Feb 2013 17:29:08 -0800

Many people are unhappy with the performance of their IRA. Limited in their investment opportunities, they often end up spending more in fees than they earn. Their savings is stagnant at best. It's no way to save for retirement. If you're tired of watching your retirement savings' lackluster performance then you may be interested in transferring some of it into a self-directed IRA. A professional IRA custodian can provide you with the tools to take control of your own retirement investments and make sure your finances are performing the way they should.

What Is A Self-Directed IRA?

A self-directed IRA is an IRA account that you direct. This means you choose what you invest in. Your custodian does the legwork, you make the decisions. IRA custodians have experience providing advice for a wide range of non-traditional investments, and can provide you with top-notch administrative support and education to help you make the right decision for your finances.

These IRAs provide you with a greater number of investment opportunities. You can invest in real estate, mortgages and loans, and even private stock. There are a few limitations, of course. You can't invest in life insurance, collectibles, or use the money to benefit a family member.

The Three Primary Advantages of Transferring One or More of Your Current Retirement Accounts

#1 The Potential To Make More Money

Why sit back and hope that your mutual funds grow enough so that you can retire comfortably? An IRA you have full control over offers you the potential to invest in potentially more lucrative markets and opportunities. For example, you can purchase an apartment complex and fund your retirement with the rental profits. You can invest in private business or offer loans or mortgages.

#2 More Control Over Your Money

Instead of paying someone to manage your account for you, with a self-directed IRA you are in charge of your investments. In fact, many custodians are merely passive custodians. They don't promote any investment products nor do they offer investment advice. They merely manage the necessary transactions for you.

#3 Wider Investment Opportunities and Diversification

As previously mentioned, self-directed IRAs open up a whole world of investment options. This simple fact helps you create a more diverse portfolio. Diversification reduces risk to your overall portfolio. Potential investment opportunities include but are not limited to:

Real estate
Tax liens
Mortgages or Loans
Businesses
Private stock
Precious Metals
Oil & Gas
Live Stock - Cattle & Horses

Finally, converting an account to a self-directed IRA is easy. In fact, your current financial institution likely offers self-directed IRA accounts.

Some Guidelines to Consider

Diversification - How much of your existing investments should you use to open a self-directed IRA? Experts suggest between 10% and 20% of your traditional IRA or 401k savings can be rolled over to open your self-directed account. The choice is up to you and you may want to talk to a financial advisor.
Make sure you're comfortable with your investments and any potential risk - With a self-directed IRA, you're directing the investments. You're in the driver's seat. We can give you the tools and knowledge to succeed, but you are ultimately calling the shots for yourself. It's important to be comfortable investing and to know what is and isn't allowed.

Self-directed IRAs provide you with the potential to save more for retirement. It gives you more control over your assets and investments. And finally, it's easy to get started. Contact your financial institution or an IRA custodian who will work closely with you to put the control of your financial future squarely back in your hands.

Article Source: http://EzineArticles.com/7230482