Explore Cathedral City, CA

By Pablo Gonzalez
(Choice 1 Realty )
Comments 1
Putting the proverbial Band-Aid on your problems might feel better, but not for long.  It takes diligent investigation to root out the underlying cause of problems before you can apply a real remedy.  Yet sometimes we get so focused on addressing the symptoms of a problem that we lose sight of lo...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 1
No Pedal To The Metal Aggressive driving costs you - at the gas pump.  Speeding, rapid acceleration, and last-minute braking can lower your gas mileage by 33% at highway speeds and by 5% around town, according to www.fueleconomy.gov.  Sensible driving is also safer for you and others, so you may ...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 1
Patriot Day was signed into law on December 18, 2001 as a day to remember the September 11, 2001 terrorist attacks.  You're encouraged to fly your flag at half-staff and observe a moment of silence to remember the people who lost their lives, and to honor the sacrifices of the firefighters, rescu...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 1
You see them everywhere:  on the beach, in the street, beneath the bleachers at the ball park, floating in the lake, in waste baskets at work, in sidewalk trash cans.  What are they? Plastic water bottles. Bottled water consumption is growing at a rate of 10% a year, faster than any other beverag...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 3
It was the final examination for the freshman biology course at the local university.  The examination was two hours long and exam booklets were provided.  The professor was very strict and told the class that any exam that wasn't on his desk in exactly two hours wouldn't be accepted and the stud...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 2
Do you have a child who's starting school this year?  Is he or she suffering anxiety about school?  If so, you can help reduce that anxiety, according to the American Psychological Association's Web site:   •·        Let children know that feeling the way they do is OK, and that lots of people ge...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 4
There are two days in every week about which we should not worry, two days which should be kept free from fear and apprehension.    One of these days is Yesterday with all its mistakes and cares, its faults and blunders, its aches and pains.  Yesterday has passed forever beyond our control.  All ...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 1
The color red is associated with mistakes and failures, experts say.  And now researchers at the University of Rochester and University of Munich say that the color red can affect how people perform on tests.  The study, which was published in the Journal of Experimental Psychology, found that pe...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 0
That Moment Of Infinite Promise I had an almost intolerable awareness that every morning began with infinite promise.  Any book may be read, any idea thought, any action taken.  Anything that has ever been possible to human beings is possible to most of us every time the clock says six in the mor...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 4
Do you consider yourself an educated person?  We're not talking about where you went to school or how many Jeopardy answers you can come up with.  We're not even talking about everything you've learned from your experiences in the world.  What we're asking is, are you educated?  Do you know what ...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 0
How do you know if you have too much debt?  Even if you earn a high income and are currently making your payments on time, you could be in trouble if your debt-to-income ratio is too high, says personal finance expert Lynnette Khalfani-Cox (www.themoneycoach.net).  Here are some warning signs:   ...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 0
Did you even know you had one?   A reticular activator (RA) is that part of your brain that heightens your awareness of certain things.   You buy a red Volkswagen and suddenly you start seeing cars like yours all over the road.  Pregnant women notice other pregnant women.  That's the sort of thi...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 9
The key to success in buying a home is similar to the key to success in anything:  planning and organizing.  The process will take you through the four steps that will help you remember the homes you've seen and help you choose the best one for you.   1.  Map it out.    Step one in the planning p...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 3
1.  Begin with the end in mind.   Have an ultimate scenario of where you're trying to be.  What will life be like when you get there?  How will it be better than where you are now?  Dwell on that picture and write it out, fill up at least a page about how it feels in the new place.  This is imper...
1.  Do you have a variety of loan programs to fit my cash flow and expected length of ownership needs?   If you're going to live in your new home for less than five years, you may want to consider an adjustable rate mortgage or "ARM."   With an ARM your payments will be lower, but they will go up...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 3
1.  Don't Get Pre-Qualified.   Get pre-approved.    Do you want to get the best house you can for the least amount of money?  Then make sure you're in the strongest negotiating position possible.  Price is only one bargaining chip in the negotiations, and not necessarily the most important one.  ...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 0
PUBLIC NOTICE CATHEDRAL CITY, CALIFORNIA "Free Money" To help Cathedral City Renters Become Home Owners   Special Report details New Home Loan Program that provides qualifying Home buyers up to $3,500 to use for Down Payment/Closing Cost and up to $60 a month towards your monthly payments!   Exam...
There's a new buzzword in the mortgage industry. Actually, it's two buzzwords:  Credit Scoring.   In their never-ending search to find an easier way to rate a person's financial ability, mortgage companies are using a new system called credit scoring (also called "FICO" scores - I won't even tell...
Mistake #1: Not knowing how much they can afford before they make an offer. The easiest way to avoid this mistake is to get pre-approved for a mortgage by a Lender so you know in advance exactly how much you can afford.   Most pre-approvals are free and it will give you a basis to make a more inf...

By Pablo Gonzalez
(Choice 1 Realty )
Comments 8
If you can't account for every dollar you spend, take solace in knowing you're not the only one.  Nearly half of us say we lose track of about $2,340 per year, according to a study by Visa, Inc.  The money simply "disappears," and we're not really sure where it's gone, the study's authors say.   ...

Cathedral City, CA Real Estate Professionals