​A couple years ago we lost my grandma to covid. It was devastating to say the least. I don’t know for sure if I reached the right person but you may have been listed as a beneficiary for a recent death of a family member. I am here to tell you that you are not alone. The grief and heartache could be a lot but know that the pain and suffering is no more. 


I am here to help in any way I can. I have attached for your review an Estate planning guide that you may find helpful. Please feel free to reach out with any questions at all. 

Cels Homes Real Estate will be Celebrating it's 10 year Anniversary next Year! We could not have done it without the people and community around us. We consider ourselves underdogs in Colorado but we do have heart! 
In the highly competitive world of real estate, where industry giants dominate the market, it's often challenging for underdog companies to establish their presence and thrive. However, occasionally, a determined and resourceful company emerges, defying the odds and carving out its niche. This is the story of a remarkable underdog real estate company that has defied expectations and become a force to be reckoned with in the industry.
    1    Humble Beginnings and Unwavering Vision:
    2    Every success story starts with humble beginnings, and this underdog real estate company is no exception. Founded by a group of passionate individuals with a shared vision, this company began with limited resources but abundant determination. They believed in the power of providing exceptional customer service, cultivating trust, and embracing innovation.
    3    Fostering a Customer-Centric Approach:
    4    In an industry often criticized for its impersonal nature, this underdog real estate company differentiated itself by prioritizing its clients' needs above all else. By understanding the importance of building strong relationships and providing personalized attention, they successfully created a loyal customer base. The company went the extra mile to understand clients' unique requirements, offering tailored solutions that addressed their concerns and aspirations.
    5    Embracing Technological Advancements:
    6    Recognizing the ever-evolving nature of the real estate industry, this underdog company embraced technology as a catalyst for growth. They understood that by leveraging cutting-edge tools and platforms, they could streamline operations, enhance efficiency, and deliver exceptional services. From adopting customer relationship management (CRM) systems to utilizing virtual reality for property tours, they harnessed technology to provide a seamless and immersive experience to their clients.
    7    Building a Team of Passionate Professionals:
    8    A key factor behind the underdog company's success was its team of dedicated and passionate professionals. From skilled real estate agents to experienced property managers and marketing experts, they assembled a formidable workforce. The company fostered a culture of continuous learning and growth, investing in employee development programs and encouraging innovation and creativity. This cohesive team worked tirelessly to provide unparalleled support to their clients and constantly adapt to the ever-changing market conditions.
    9    Niche Specialization and Market Differentiation:
    10    Rather than trying to compete directly with the industry giants on all fronts, this underdog real estate company carved out a niche for itself. By focusing on an underserved market segment or geographical area, they were able to differentiate themselves from the competition. Their deep understanding of the local market dynamics, coupled with their niche expertise, positioned them as the go-to experts in their target market, attracting clients seeking specialized services.
    11    Social Responsibility and Community Engagement:
    12    Beyond business success, this underdog real estate company demonstrated a commitment to social responsibility and community engagement. They actively participated in local initiatives, supported charitable causes, and advocated for sustainable and ethical practices. This genuine dedication to making a positive impact resonated with clients who valued companies that shared their values.
Conclusion:
The journey of this underdog real estate company showcases the power of determination, customer-centricity, innovation, and a strong sense of purpose. Despite facing initial challenges and limited resources, they turned adversity into an opportunity for growth and emerged as a prominent player in the industry. By fostering strong relationships, embracing technology, focusing on specialization, and demonstrating social responsibility, this underdog company became an inspiring success story, proving that even in the most competitive landscapes, dreams can be realized with perseverance and a vision for excellence. If you are thinking of buying or selling here in Colorado make sure and give Cels Homes Real Estate a chance! We would love to help! 

Colorado, a picturesque state nestled in the heart of the Rocky Mountains, is renowned for its stunning landscapes, outdoor activities, and vibrant communities. However, like any other region, it is not immune to the challenges posed by crime. While Colorado boasts numerous safe and secure neighborhoods, it is essential to shed light on the issue of crime to understand its nature, causes, and the efforts being made to address it. In this article, we will delve into the crime landscape of Colorado, exploring its key facets and the initiatives being undertaken to foster a safer environment for its residents.
    1    Crime Rates and Trends:
When examining crime rates, it is important to consider the context and compare them to national averages. According to recent data, Colorado's crime rates are slightly higher than the national average. However, it is crucial to note that crime rates can vary significantly across different cities and regions within the state. Urban centers such as Denver, Colorado Springs, and Aurora tend to experience higher crime rates compared to rural areas.
    2    Major Types of Crime:
a. Property Crime: Property crimes, including burglary, theft, and motor vehicle theft, are among the most common offenses in Colorado. While property crime rates have been decreasing in recent years, it remains a significant concern for residents and law enforcement agencies.
b. Violent Crime: Violent crime, though relatively less prevalent compared to property crimes, still poses a serious challenge. Crimes such as homicide, assault, and robbery demand attention from law enforcement and community leaders to ensure public safety.
c. Drug-related Crime: Like many other states, Colorado faces challenges related to drug-related offenses. The legalization of recreational marijuana in 2014 has had both positive and negative implications, with potential links to increased drug-related crimes such as illegal cultivation, distribution, and impaired driving.
    3    Contributing Factors:
Understanding the contributing factors to crime is crucial in addressing and mitigating its impact. Several factors can influence crime rates, including:
a. Socioeconomic Disparities: Economic inequality, poverty, and lack of access to educational and employment opportunities can contribute to higher crime rates in certain communities.
b. Substance Abuse and Mental Health: Substance abuse and untreated mental health conditions often intersect with criminal behavior. Effective support systems, rehabilitation programs, and access to mental health resources are essential for addressing these underlying issues.
c. Gang Activity: Urban areas in Colorado, particularly Denver, have struggled with gang-related activities. Targeted efforts to address the root causes of gang involvement and comprehensive community outreach can help mitigate the influence of gangs.
    4    Crime Prevention and Community Engagement:
To combat crime effectively, Colorado has implemented a range of preventive measures and community engagement initiatives:
a. Law Enforcement: Police departments across the state have increased their presence in high-crime areas, implemented community policing strategies, and collaborated with community organizations to foster trust and cooperation.
b. Education and Outreach: Schools, community centers, and nonprofits actively promote crime prevention and youth programs, aiming to steer young individuals away from criminal activities and provide them with positive opportunities.
c. Neighborhood Watch Programs: Colorado residents actively participate in neighborhood watch programs, encouraging a sense of community vigilance and reporting suspicious activities to authorities promptly.
d. Legislative Measures: Policymakers have enacted legislation to address specific crime-related concerns, such as enhancing penalties for certain offenses, implementing stricter gun control measures, and investing in rehabilitation programs for non-violent offenders.
Conclusion:
Colorado, like any other state, faces its share of crime-related challenges. While crime rates may vary across different cities and regions, it is essential to acknowledge the collective efforts being made by law enforcement agencies, community organizations, and policymakers to foster a safer environment. By addressing the contributing factors, implementing effective prevention strategies, and promoting community engagement

If you find yourself in the position where you are considering divorce as yourself this questions: 
Will the Grass be Greener on the other side? 
Most of the time we don't know the answer until we cross that bridge.
When we take vows, we take them for life, for sickness and in health or richer or poorer however there are some genuine reasons that you should be able to pick up and leave:
1. Cheating-You caught your spouse cheating. 
2. Abuse-Whether it is physically or mentally you have reason to pick up your things and leave.

Some ways that you can fall back in love with each other may be: 
1. Make Date night a priority 
2. Make the relationship 100/100 not 20/80 not 40/60 but 100/100
3. Talk about it and don't go to sleep without your spouse or angry. 

If you can't seem to make it work after trying all exhausted efforts just do what's best. I am always here to talk. 
Sincerely,
Your Realtor
​Celina Quinones 

https://www.msn.com/en-us/lifestyle/lifestyle-buzz/i-married-my-cousin-by-accident-and-yes-our-kids-have-10-fingers-and-toes/ar-AA1903yd?ocid=entnewsntp&cvid=edfcf88ab96b47dbaa294a4c35114d70&ei=66

With the recent news of a China Ballon floating in the US is it time for the Tik Tok to be banned from use in the USA? As a tik tok user myself I have found the App quite hypnotizing. Yes hypnotizing! Let's think about this. If our enemy can infiltrate from right inside of our homes by influencing us to spend countless hours on an app is this not a problem? 

I was recently a victim of being scammed via the app. Yes scammed. I spent countless hours requesting my account back from Tik tok to only get it back for a couple of days and have it taken again from me. I know I am not the only one this has happened to. When you lose access to say your email or even your bank account you can usually get it back within a couple hours. How is it an App is allowed to keep peoples personal information hostage in such a manner for months maybe even years? There is a huge data breach that is being allowed right now. The app is amazing yes, but we really have to dig deep and know the reality of it. Is it safe for the American people to be hypnotized in such a manner? 

If The US Government decides to Ban Tik Tok I would not be surprised. They know too much about us and it is not good. All I am saying a little taste of their own medicine may be good. What are your thoughts on this situation? 

​

Your Guide to the Home Appraisal
You’ve found your dream home and now it’s time to cross all your T's and dot all your I's before it’s all your own. And one of the first items on your closing checklist the home appraisal. So, what exactly is that?
The home appraisal is essentially a value assessment of the home and property. It is conducted by a certified third party and is used to determine whether the home is priced appropriately. 
During a home appraisal, the appraiser conducts a complete visual inspection of the interior and exterior of the home. He or she factors in a variety of things, including the home’s floor plan functionality, condition, location, school district, fixtures, lot size, and more. An upward adjustment is generally made if the home has a deck, a view, or a large yard. The appraiser will also compare the home to several similar homes that were sold within the last six months in the area.
The final report must include a street map showing the property and the ones’ compared, photographs of the interior and exterior, an explanation on how the square footage was calculated, market sales data, public land records, and more.
After it is complete, the lender uses the information found to ensure that the property is worth the amount they are investing. This is a safe-guard for the lender as the home acts as collateral for the mortgage. If the buyer defaults on the mortgage and goes into foreclosure, the lender generally sells the home to recover the money borrowed.

What will you do with the extra time?
When you're turning your clocks back an hour, why not take a couple of extra steps to keep your family and home safe?  

Changing the batteries in your smoke detectors and testing your carbon monoxide detectors will take only a few moments of the extra hour you're "getting back" this weekend. 

Hope you're enjoying the fall season!

Ever wish you could become one of those rare morning people? The ones that wake with a start, feeling refreshed and energized. The ones that get in that morning workout or wrap up some work before many of us even hit the snooze button for the first time. Here are five tips to help you achieve that early bird status!

1. Create a morning schedule. Physically write down the things you’d like to complete in the morning and set a time for each. Then stick with it. Once you force yourself out of bed early one or two weeks consistently, you’ll find it gets easier and easier to do.
2. Let the light in. Whether natural or artificial, light tells your brain its time to get up and get going. If your room lacks large windows where you can open the blinds up, consider investing in a timed lamp or alarm clock with a light.
3. Prep and eat breakfast. Although there are many of us who chose the skip breakfast, it is key to perking up your energy in the morning. Try prepping protein-focused meals the night before or grab a yogurt or fruit and try to consume it right after you wake.
4. Get your body moving. Whether it’s a short walk around your neighborhood or a rigorous 5:30 am spin class, getting your blood pumping will help wake up your body and has a ton of other benefits, like stress and anxiety reduction.
5. Feed your mind. Stimulate your brain and do something you enjoy first thing in the morning. Try reading a favorite book, catching up on the news, doing daily meditation, or setting intentions.

​Downsizing: Overcoming the Emotions10 MIN READ | SEP 24, 2021

By Ramsey Solutions If you never thought you were sentimental about your home, try putting it up for sale. Suddenly every nook and cranny is the spot of some special event or sweet memory. But don’t let emotions keep you from downsizing your home.
Downsizing could bring great benefits to you, your family, and your finances. But to cash in on those benefits, you’ll first have to overcome your emotions.
Emotional Reasons That Prevent DownsizingThe decision to downsize your home can be difficult to make—and following through can be even tougher, even when you know it’s the best move to make. To save yourself from staying stuck in a home that’s not right for you, try to understand why you feel emotional about selling your home.
Here are some common reasons why homeowners can feel emotional stress about downsizing:

• Sad to leave your memories behind: You raised your kids and made a million memories within the walls of your home. The thought of leaving them may break your heart, but we’ll give you some tips for keeping the most important memories with you.


• Guilt from family: Your adult children might make you feel guilty for leaving the place that holds their childhood memories. But never let your grown-and-gone kids dictate your living situation! Besides, think of how much fun the grandkids will have making new memories when they squeeze into your smaller, cozier house for the holidays.


• Afraid of change: Are you paralyzed by all the unknowns that come with downsizing your home? Or maybe you feel overwhelmed by all the work your home needs before it goes on the market. We get it. But when you get a clear plan together, you’ll calm your fears (more on that later).


• Embarrassed you can’t keep up with the Joneses: Moving to a smaller home might be a humbling experience—especially if your friends have large houses and won’t understand your decision. But are those really the kind of "friends" you want? Me neither. Besides, they’re probably just as stuck in that fake-rich life. Who knows, maybe when you’re free to live like no one else, you will inspire them to follow.

Benefits of DownsizingTo stop these emotions from holding you back, focus on the practical benefits of downsizing. Moving into a smaller, less expensive home could reduce your stress and make life simpler. It could also help you make huge progress with your financial goals. For example, you could use that nice pile of money you’ll make from selling your home to knock out debt. Or, depending on where you are in the Baby Steps plan, you could use the money to build your full emergency fund, save for the kids’ college education, or invest in retirement.

Find expert agents to help you sell your home.
Are you an "empty nester" who still lives in that big house where you raised your now-grown kids? Imagine how much time and money you could free up if you downsized! Instead of managing the upkeep of the house and lawn, you could spend more time and money on vacations and date nights! And you could have plenty of cash leftover to invest more for your dream retirement.
What Does Downsizing Your Home Actually Look Like?Let’s see what the impact of downsizing could look like. Pretend you and your spouse own a four-bedroom home you bought 10 years ago when your two kids were young. At 3,000 square feet, you’ve got plenty of room for your family and friends to hang out.
Unfortunately, everything else in your life feels cramped.
Even though you and your spouse work hard to provide for the family, you never seem to have the money to do fun things outside of the house. With a $60,000 household income, your $1,375 mortgage payment takes up nearly a third of your paycheck each month. You have enough to cover the bills each month, but that’s it.
You’re making slow progress on your car loan—the last remaining bill in your debt snowball. Once it’s paid off, you’re looking at an additional two years to build your emergency fund before you’re ready to invest for retirement. You’ll turn 43 this year too, so you don’t want to delay saving for retirement much longer.
Also, it won’t be long before your two kids—ages 12 and 14—leave the nest. You and your spouse want to make the most of the time you have left together under the same roof, so you decide it’s time to trade all your space for the life you really want.
From Barely Paying Bills to Baby Step 4After you declutter your home, you work with a real estate agent to get it sold. After a month on the market, you accept an offer for $300,000. With just $165,000 left on your mortgage, you bank $135,000 off the sale.
 Here's what you do with $135,000 Monthly SavingsCover agent commission and other seller costs on your current home$18,000 
Pay off your car loan$6,500$560
Stockpile your emergency fund$12,000 
Put a down payment on a $185,000 home with a 15-year fixed rate mortgage at 4%$91,000$440
Cover buyer closing costs on your new home$5,500 
Fund a family vacation$2,000 
Total:$135,000$1,000

That chunk of cash catapults you forward to Baby Step 4, eliminating debt and setting you up with a solid emergency fund. To celebrate this major money milestone, you use some of the proceeds from your home sale to go on a much-needed family vacation. You also have plenty of cash left to put a sizeable down payment on a smaller home and cover any closing costs.
Living Larger in Less SpaceNow that your home is sold, it’s time to find a new place to live! Your agent helps you land a great deal on a three-bedroom home with 1,700 square feet for $185,000.
You put $91,000 down on a 15-year mortgage at 4%, which—if you use our mortgage calculator—brings your monthly payment to just $935! With your debt snowball complete and a lower mortgage payment, that gives you a total savings of $1,000 a month.
That kind of extra cash makes saving 15% of your income for retirement much easier. If you contribute $750 a month toward retirement for the next 22 years, you could retire with over $700,000 in your nest egg. Even better, a 15-year mortgage means you can look toward retirement with more confidence knowing your home will be paid off before you even turn 60.
If you really want to get intense, check out the mortgage payment calculator to see how much money you can save by paying off your house early.
Tips for Successful DownsizingDownsize Your "Stuff" Before Your HomeNow that we’ve walked through an example, let’s apply these steps to your own situation. Think about which downsizing benefit speaks to you most. Keep that at the forefront of your mind during this process. You can overcome the emotions that are holding you back. But you might need a strategy to help. So, let’s get tactical.
First, don’t think about the house. Start with the little things that make up your house—like old baby clothes and blankets, the bikes your kids learned to ride on, the squeaky wooden bunkbed, and the dusty grand piano. These items tend to build the majority of our emotional resistance to downsize in home. Give yourself enough time to sort through items that are precious to you. Then, when it comes time to sell the house, you won’t feel stressed or rushed. Instead, you’ll feel confident the items that represent “home” to you were cared for properly.
Sort your belongings into four main categories:

• Keep: Limit yourself here. This category is reserved for items you’ll regularly use after downsizing your home. It may also include a small number of sentimental items—like your wedding video, family photo albums, or tokens of greatest achievements. If items don’t fit those specs, move them to our next category.


• Give: If your sentimental ties to an item are too strong to break completely, consider giving it to a loved one who will treasure it the same way you have. Or donate it to your favorite charity. Stop clinging to too many things from the past and start making room for all the precious memories ahead.


• Sell: Now that sentimental items are separate and safe, earn some cash with the rest. Host a yard sale or sell items online. All that money can go toward your move. Have stuff that won’t sell? That brings us to our final category.


• Trash: If the rest won’t sell, throw it away! After you set aside, give away, or sell the important items, there’s no reason to keep the rest. Throw away that trash and be free!

Don’t Make These Emotional Home Seller MistakesOnce you’ve cleared out the emotional "stuff," you’ll be better prepared to sell the actual house. However, you may have to fight another emotional obstacle: personal bias. The memories you’ve stored up in your home might cause you to see it differently than a potential buyer will. Wearing your emotions on your sleeve when you’re trying to sell your home can cause delays or even derail your home sale. Don’t let your emotions lead to these home seller mistakes:

• Underprepared staging: Sellers who are overly attached to their home sometimes believe the "right" family will fall in love with their home as it is and will be willing to pay more for it. Home buyers rarely think that way. But they could be willing to pay more for a certain location or features that add value to the home. So go beyond simple repairs and cleaning when you prepare your home to go on the market. Stage your hometo create an impression of the type of lifestyle buyers could have if they buy your home.


• Offended by criticism: The more showings you have, the more likely you are to get some negative feedback about your home. Then when a buyer makes an offer, it may be lower than you expected. On top of that, contract negotiations are likely to point out even more flaws in your home. Taking offense to this criticism could cause you to reject a low offer as "not serious." So you hold out for a better offer, and you wait. And wait some more. The longer you wait, the less likely you will be to get your asking price. Why waste time? Even a low offer is an opportunity to get your home sold, so don’t take it personally. With some skillful negotiating, you can turn a disappointing offer into a deal where both sides win.

Find Out If Downsizing Could Benefit YouIf you’re curious about whether downsizing your home could change your life for the better, ask a real estate agent to show you how much your home is worth with a comparative market analysis (CMA). A CMA shows you how homes similar to yours in your area have sold—giving you the information you need to decide what’s best for you and your budget.
Look for someone who puts service before sales—but who also knows how to get things done when it’s time to sell. Our real estate endorsed local providers (ELPs) know how to stage your home’s best features and estimate fair market price, and they have the skill to negotiate a fast home sale for the best price. Want the best of the best in your area? We can connect you to a real estate agent we recommend