The journal

Notes from Denver and the Portuguese coast


Cindy writes it down as it happens — the visas, the paperwork, the cost of living, and what the process actually looks like when you're inside it.

  1. A kitchen island in a Denver home with a closing statement, a calculator, a set of house keys, and a cup of coffee laid out in morning light Denver

    What It Really Costs to Sell a House (and Whether You Need a Realtor at All)

    Realtor commissions after the 2024 rule changes, Colorado closing costs, cash offers, selling it yourself, and a worked example on a Denver home. The numbers most agents won't put in writing.

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  2. A for-sale sign in front of a brick Denver home in autumn, with a price-reduced rider, and the Front Range in the distance Denver

    Is the Denver Housing Market Crashing? An Honest Read for Late 2026

    No, Denver isn't crashing. But it is the slowest market since 2008, 80% of sales involved a price cut or concession, and the rules for selling have changed. Here's what the September numbers actually say.

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  3. A stack of immigration paperwork, folders and apostilled documents with a passport on top, on a wooden table by a sunlit window Portugal

    If We Didn’t Have a Lawyer, I Don’t Think We’d Be Here

    The Portugal visa process from the inside: why Googling it made things worse, what the immigration lawyer actually did, and the two things I’d tell anyone starting out.

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  4. Golf-ball hail piling along the edge of a shingle roof, with a stone-and-stucco Denver home across the street and the Front Range under a green-tinged storm sky Denver

    Your Hail Deductible Just Changed — And It Could Cost You $10,000+

    Colorado insurers are switching to percentage-based hail deductibles — often $10,000+. Here's what Denver homeowners and future sellers need to do now.

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  5. A Denver residential street at golden hour: older brick homes with porches on one side, modern attached townhomes on the other, the Front Range on the horizon Denver

    The Honest Read on Denver Right Now

    A 23-year Denver realtor's honest read on the 2026 market: what the latest numbers really say, who should sell now, and who should wait.

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  6. The Atlantic coastline at Carcavelos, Portugal, at dusk Portugal

    Why We Left: The Conversation That Moved My Family to Portugal

    After 20+ years selling Denver real estate, one family conversation changed everything. Why we chose Portugal, and what the move really looked like.

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