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	<title>Real Estate Dubuque</title>
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	<link>http://www.realestatedbq.com</link>
	<description>Your Choice for Real Estate in Dubuque.</description>
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		<title>Dubuque Real Estate For Sale</title>
		<link>http://www.realestatedbq.com/uncategorized/dubuque-real-estate-for-sale/htm</link>
		<comments>http://www.realestatedbq.com/uncategorized/dubuque-real-estate-for-sale/htm#comments</comments>
		<pubDate>Mon, 03 Jan 2011 19:30:21 +0000</pubDate>
		<dc:creator>Tom Rauen</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.realestatedbq.com/?p=39</guid>
		<description><![CDATA[Dubuque Real Estate For Sale &#8211; Dubuque Area Homes, Listings in the Dubuque area, Ruhl Homes, Tom Rauen,]]></description>
			<content:encoded><![CDATA[<p>Dubuque Real Estate For Sale &#8211; Dubuque Area Homes, Listings in the Dubuque area, Ruhl Homes, Tom Rauen,</p>
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		<title>1023 Shady Oaks</title>
		<link>http://www.realestatedbq.com/listings/28/htm</link>
		<comments>http://www.realestatedbq.com/listings/28/htm#comments</comments>
		<pubDate>Mon, 22 Nov 2010 23:36:45 +0000</pubDate>
		<dc:creator>Tom Rauen</dc:creator>
				<category><![CDATA[Featured Properties]]></category>
		<category><![CDATA[Listings]]></category>

		<guid isPermaLink="false">http://www.realestatedbq.com/?p=28</guid>
		<description><![CDATA[Beautiful and spacious two story home, in a park like setting. This south side of Dubuque home offers many amenities: Brazilian cherry floors on mail level in entry and study. Open floor plan, large kitchen counter with barstools included, built in appliances, master suite on main flr, 3 upper level bedrooms. Non conforming LL bedroom... <a href="http://www.realestatedbq.com/listings/28/htm" rel="nofollow">Read More</a>]]></description>
			<content:encoded><![CDATA[<p>Beautiful and spacious two story home, in a park like setting. This  south side of Dubuque home offers many amenities: Brazilian cherry  floors on mail level in entry and study.  Open floor plan, large kitchen  counter with barstools included, built in appliances, master suite on  main flr, 3 upper level bedrooms. Non conforming LL bedroom or office.   Wonderful quiet neighborhood. Many improvements: new sidewalks, paint,  landscaping, fountains and much more.  For more information on this property please call Tom Rauen &#8211; 563-590-9856.</p>
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		<title></title>
		<link>http://www.realestatedbq.com/listings/25/htm</link>
		<comments>http://www.realestatedbq.com/listings/25/htm#comments</comments>
		<pubDate>Mon, 22 Nov 2010 23:34:31 +0000</pubDate>
		<dc:creator>Tom Rauen</dc:creator>
				<category><![CDATA[Listings]]></category>

		<guid isPermaLink="false">http://www.realestatedbq.com/?p=25</guid>
		<description><![CDATA[Beautiful ranch home &#8211; Grand entry, formal Living &#38; Dining rooms, family room on main has fireplace &#38; view to the very private 2.4 acre wooded backyard. Great kitchen w/ quartz countertops &#38; oak hdwd floors. Mstr BR has walk-in closet &#38; whirlpool tub. 6 large BR&#8217;s, 4 BA&#8217;s, fully finished w/o LL with kitchenette.... <a href="http://www.realestatedbq.com/listings/25/htm" rel="nofollow">Read More</a>]]></description>
			<content:encoded><![CDATA[<p>Beautiful ranch home &#8211; Grand entry, formal Living &amp; Dining rooms,  family room  on main has fireplace &amp; view to the very private 2.4  acre wooded backyard. Great kitchen w/ quartz countertops &amp; oak hdwd  floors. Mstr BR has walk-in closet &amp; whirlpool tub. 6 large BR&#8217;s, 4  BA&#8217;s, fully finished w/o LL with kitchenette. Daylight capped garage w/  builtins for a shop or hobbyist. $89/mo heat cost reflects 6 months.  2&#215;6 walls, recirculating hot water system, zoned heating, central vac,  maint. free deck.</p>
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		<title>16872 Daisy Trail</title>
		<link>http://www.realestatedbq.com/listings/18/htm</link>
		<comments>http://www.realestatedbq.com/listings/18/htm#comments</comments>
		<pubDate>Mon, 22 Nov 2010 23:29:32 +0000</pubDate>
		<dc:creator>Tom Rauen</dc:creator>
				<category><![CDATA[Featured Properties]]></category>
		<category><![CDATA[Listings]]></category>

		<guid isPermaLink="false">http://www.realestatedbq.com/?p=18</guid>
		<description><![CDATA[AMAZING! Brick custom home with highest quality throughout on wooded 1 acre lot. Big kitchen features cherry cabinets, hardwood floors, granite counters, stainless appliances, and hearth area. Walnut ceilings and built in shelving in office. 11&#8243; ceilings, 2 fireplaces, main floor master suite with spa bath. Awesome lower level with bar, great room, and exercise... <a href="http://www.realestatedbq.com/listings/18/htm" rel="nofollow">Read More</a>]]></description>
			<content:encoded><![CDATA[<p>AMAZING! Brick custom home with highest quality throughout on wooded 1  acre lot.  Big kitchen features cherry cabinets, hardwood floors,  granite counters, stainless appliances, and hearth area. Walnut ceilings  and built in shelving in office. 11&#8243; ceilings, 2 fireplaces, main  floor master suite with spa bath. Awesome lower level with bar, great  room, and exercise room. 3 car attached garage. 16&#215;16 screened porch  with privacy and great view.</p>
<h2>Property Details</h2>
<div class="property-details">
<div class="property-details-col1"><b>Listing Price:</b> 594,500<br /><b>Address:</b> 16872 Daisy Trail<br /><b>City:</b> Dubuque<br /><b>State:</b> IA<br /><b>ZIP:</b> 52001<br /></div><div class="property-details-col2"><b>MLS # (if any):</b> 113914<br /><b>Square Feet:</b> 5,194<br /><b>Bedrooms:</b> 4<br /><b>Bathrooms:</b> 3<br /><b>Basement (full, 1/2, finished, unfinished):</b> Full<br /></div>
</div>
<h2>Property Photos</h2>

<a href='http://www.realestatedbq.com/listings/18/htm/attachment/16872_daisy_trail' title='16872_daisy_trail'><img src="http://www.realestatedbq.com/wp-content/uploads/2010/11/16872_daisy_trail.jpg" class="attachment-Small Thumbnail" alt="16872_daisy_trail" title="16872_daisy_trail" /></a>
<a href='http://www.realestatedbq.com/listings/18/htm/attachment/113914' title='16872 Daisy Trail - Dubuque, IA'><img src="http://www.realestatedbq.com/wp-content/uploads/2010/11/113914.jpg" class="attachment-Small Thumbnail" alt="16872 Daisy Trail - Dubuque, IA" title="16872 Daisy Trail - Dubuque, IA" /></a>
<a href='http://www.realestatedbq.com/listings/18/htm/attachment/113914-01-alt-2' title='113914-01-alt'><img src="http://www.realestatedbq.com/wp-content/uploads/2010/11/113914-01-alt1.jpg" class="attachment-Small Thumbnail" alt="113914-01-alt" title="113914-01-alt" /></a>
<a href='http://www.realestatedbq.com/listings/18/htm/attachment/113914-03-alt-2' title='113914-03-alt'><img src="http://www.realestatedbq.com/wp-content/uploads/2010/11/113914-03-alt1.jpg" class="attachment-Small Thumbnail" alt="113914-03-alt" title="113914-03-alt" /></a>
<a href='http://www.realestatedbq.com/listings/18/htm/attachment/113914-04-alt' title='113914-04-alt'><img src="http://www.realestatedbq.com/wp-content/uploads/2010/11/113914-04-alt.jpg" class="attachment-Small Thumbnail" alt="113914-04-alt" title="113914-04-alt" /></a>
<a href='http://www.realestatedbq.com/listings/18/htm/attachment/113914-05-alt' title='113914-05-alt'><img src="http://www.realestatedbq.com/wp-content/uploads/2010/11/113914-05-alt.jpg" class="attachment-Small Thumbnail" alt="113914-05-alt" title="113914-05-alt" /></a>
<a href='http://www.realestatedbq.com/listings/18/htm/attachment/113914-06-alt' title='113914-06-alt'><img src="http://www.realestatedbq.com/wp-content/uploads/2010/11/113914-06-alt.jpg" class="attachment-Small Thumbnail" alt="113914-06-alt" title="113914-06-alt" /></a>
<a href='http://www.realestatedbq.com/listings/18/htm/attachment/113914-07-alt' title='113914-07-alt'><img src="http://www.realestatedbq.com/wp-content/uploads/2010/11/113914-07-alt.jpg" class="attachment-Small Thumbnail" alt="113914-07-alt" title="113914-07-alt" /></a>
<a href='http://www.realestatedbq.com/listings/18/htm/attachment/113914-08-alt' title='113914-08-alt'><img src="http://www.realestatedbq.com/wp-content/uploads/2010/11/113914-08-alt.jpg" class="attachment-Small Thumbnail" alt="113914-08-alt" title="113914-08-alt" /></a>
<a href='http://www.realestatedbq.com/listings/18/htm/attachment/113914-09-alt' title='113914-09-alt'><img src="http://www.realestatedbq.com/wp-content/uploads/2010/11/113914-09-alt.jpg" class="attachment-Small Thumbnail" alt="113914-09-alt" title="113914-09-alt" /></a>
<a href='http://www.realestatedbq.com/listings/18/htm/attachment/113914-02-alt-2' title='113914-02-alt'><img src="http://www.realestatedbq.com/wp-content/uploads/2010/11/113914-02-alt1.jpg" class="attachment-Small Thumbnail" alt="113914-02-alt" title="113914-02-alt" /></a>

<h2>Property Map</h2>
<p><iframe width="640" height="480" frameborder="0" scrolling="no" marginheight="0" marginwidth="0" src="http://maps.google.com/maps?f=q&amp;source=s_q&amp;hl=en&amp;geocode=&amp;q=16872+Daisy+Trail,+dubuque,+iowa&amp;sll=37.0625,-95.677068&amp;sspn=51.488837,79.013672&amp;ie=UTF8&amp;hq=&amp;hnear=16872+Daisy+Trail,+Dubuque,+Iowa+52001&amp;ll=42.542141,-90.706816&amp;spn=0.030354,0.054932&amp;z=14&amp;iwloc=A&amp;output=embed"></iframe><br /><small><a href="http://maps.google.com/maps?f=q&amp;source=embed&amp;hl=en&amp;geocode=&amp;q=16872+Daisy+Trail,+dubuque,+iowa&amp;sll=37.0625,-95.677068&amp;sspn=51.488837,79.013672&amp;ie=UTF8&amp;hq=&amp;hnear=16872+Daisy+Trail,+Dubuque,+Iowa+52001&amp;ll=42.542141,-90.706816&amp;spn=0.030354,0.054932&amp;z=14&amp;iwloc=A" style="color:#0000FF;text-align:left">View Larger Map</a></small></p>
]]></content:encoded>
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		<title>16555 Rolling Hills</title>
		<link>http://www.realestatedbq.com/listings/dubuques-finest/htm</link>
		<comments>http://www.realestatedbq.com/listings/dubuques-finest/htm#comments</comments>
		<pubDate>Mon, 22 Nov 2010 23:22:28 +0000</pubDate>
		<dc:creator>Tom Rauen</dc:creator>
				<category><![CDATA[Featured Properties]]></category>
		<category><![CDATA[Listings]]></category>

		<guid isPermaLink="false">http://www.realestatedbq.com/?p=10</guid>
		<description><![CDATA[10 Acre estate on the outskirts of Dubuque. Privacy and Seclusion, Gated access and Panoramic views. Grand, 2 story foyer with custom made staircase. Fabulous walnut kitchen with granite counters. Oversized baths fully tiled. Enclosed, fully tiled lap pool. Lower level finished with raised panel walnut walls and travertine marble floors. Concrete deck across back... <a href="http://www.realestatedbq.com/listings/dubuques-finest/htm" rel="nofollow">Read More</a>]]></description>
			<content:encoded><![CDATA[<p>10 Acre estate on the outskirts of Dubuque. Privacy and Seclusion, Gated  access and Panoramic views. Grand, 2 story foyer with custom made  staircase. Fabulous walnut kitchen with granite counters. Oversized  baths fully tiled. Enclosed, fully tiled lap pool. Lower level finished  with raised panel walnut walls and travertine marble floors. Concrete  deck across back of home. Carriage house with 12 foot doors. Ideal  property for horses.
<a href='http://www.realestatedbq.com/listings/dubuques-finest/htm/attachment/117625-4' title='117625'><img src="http://www.realestatedbq.com/wp-content/uploads/2010/11/1176253.jpg" class="attachment-thumbnail" alt="117625" title="117625" /></a>
<a href='http://www.realestatedbq.com/listings/dubuques-finest/htm/attachment/117625-07-alt' title='117625-07-alt'><img src="http://www.realestatedbq.com/wp-content/uploads/2010/11/117625-07-alt.jpg" class="attachment-thumbnail" alt="117625-07-alt" title="117625-07-alt" /></a>
<a href='http://www.realestatedbq.com/listings/dubuques-finest/htm/attachment/117625-06-alt' title='117625-06-alt'><img src="http://www.realestatedbq.com/wp-content/uploads/2010/11/117625-06-alt.jpg" class="attachment-thumbnail" alt="117625-06-alt" title="117625-06-alt" /></a>
<a href='http://www.realestatedbq.com/listings/dubuques-finest/htm/attachment/gants1' title='gants1'><img src="http://www.realestatedbq.com/wp-content/uploads/2010/11/gants1.jpg" class="attachment-thumbnail" alt="gants1" title="gants1" /></a>
</p>
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		<title>Is it time to Refinance?</title>
		<link>http://www.realestatedbq.com/real-estate-tips/is-it-time-to-refinance/htm</link>
		<comments>http://www.realestatedbq.com/real-estate-tips/is-it-time-to-refinance/htm#comments</comments>
		<pubDate>Mon, 22 Nov 2010 23:10:31 +0000</pubDate>
		<dc:creator>Tom Rauen</dc:creator>
				<category><![CDATA[Real Estate Tips]]></category>

		<guid isPermaLink="false">http://www.realestatedbq.com/?p=7</guid>
		<description><![CDATA[Refinancing &#8211; What You Must Know Refinancing is the process of paying off your existing mortgage and replacing it with a new mortgage, done with the goal of improving your financial status. Why Refinance? A refinance should help you save money in the short or long term period. If it won’t do that, you shouldn’t... <a href="http://www.realestatedbq.com/real-estate-tips/is-it-time-to-refinance/htm" rel="nofollow">Read More</a>]]></description>
			<content:encoded><![CDATA[<p><span style="font-family: Georgia; color: #00386b; font-size: medium;"><strong>Refinancing &#8211;  What You Must Know</p>
<p></strong></span><span style="font-family: Trebuchet MS; font-size: x-small;">Refinancing</span><span style="font-family: Trebuchet MS; font-size: x-small;"> is the  process of paying off your existing mortgage and replacing it with a new  mortgage, done with the goal of improving your financial status.</span></p>
<p><span style="font-family: Georgia; color: #00386b; font-size: medium;"><strong>Why Refinance?</p>
<p></strong></span><span style="font-family: Trebuchet MS;"><span style="font-size: x-small;">A refinance should help you save  money in the short or long term period. If it won’t do that, you  shouldn’t refinance. Reasons to refinance include: </span> </span></p>
<ul><span style="font-family: Trebuchet MS;"></p>
<li><span style="font-size: x-small;">Rates have dropped. You can  lock in a lower rate resulting in a lower monthly payment. </span></li>
<li><span style="font-size: x-small;">Shorter term. Refinancing from a 30 or 40-year  term down to a 10 or 15-year term will help you pay off your mortgage  much more quickly. In addition, rates are often lower on shorter term  mortgages. Debt consolidation. </span></li>
<li><span style="font-size: x-small;">Pay off other bills and loans by rolling your  other expenses into one mortgage loan.</span></li>
<p></span></ul>
<p><span style="font-family: Trebuchet MS;"><span style="font-family: Georgia; color: #00386b; font-size: medium;"><strong>How Does Refinancing Work?<br />
</strong></span><br />
<span style="font-size: x-small;">A refinance is essentially a brand new mortgage that replaces  the one you have. Just as when you originally bought your home, your  refinanced mortgage charges fees including a new appraisal, title search  and insurance and closing costs. According to experts, you should not  refinance your mortgage if you cannot recoup the fees within two years.</span></p>
<p><span style="font-family: Georgia; color: #00386b; font-size: medium;"><strong>Facts You Must Know  When You Refinance<br />
</strong></span><br />
</span></p>
<ul><span style="font-family: Trebuchet MS;"></p>
<li><span style="font-size: x-small;">You must have equity in  your home to refinance in today’s more conservative underwriting  environment. 20% equity is ideal, but 5% is usually acceptable. </span></li>
<li><span style="font-size: x-small;">Know if you have a prepayment penalty on your  existing mortgage before you refinance. Those penalties are severe and  costly. Most of the time, if you have a prepayment penalty, you should  not refinance your mortgage. </span></li>
<li><span style="font-size: x-small;">If your home was recently listed for sale, you  may not qualify to refinance. Generally, a lender feels more comfortable  that you won’t be selling the house and paying off this new mortgage  immediately if the listing date at least six months prior to the  refinance.<br />
</span></li>
<p></span></ul>
<p><span style="font-family: Trebuchet MS;"><br />
</span></p>
<p><span style="font-family: Trebuchet MS;"><span style="font-family: Trebuchet MS; font-size: x-small;"><a href="http://www.ruhlhomes.com/default.asp?p=pagecontent.asp&amp;pid=4488">Find  a Loan Officer</a> &#8211; Choose from any one of our knowledgeable and  helpful 1862 Mortgage Loan Officers and Ruhl&amp;Ruhl Realtors to help  you through the home buying process.</span></span></p>
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		<title>Fall Home Maintenance Check-List</title>
		<link>http://www.realestatedbq.com/real-estate-tips/fall-home-maintenance-check-list/htm</link>
		<comments>http://www.realestatedbq.com/real-estate-tips/fall-home-maintenance-check-list/htm#comments</comments>
		<pubDate>Mon, 22 Nov 2010 23:07:23 +0000</pubDate>
		<dc:creator>Tom Rauen</dc:creator>
				<category><![CDATA[Real Estate Tips]]></category>

		<guid isPermaLink="false">http://www.realestatedbq.com/?p=5</guid>
		<description><![CDATA[Outside you&#8217;ll need to check gutters and problem tree limbs. Indoors you&#8217;ll want to tend to your large appliances and tackle overflowing closets. November is a good month to move some maintenance efforts indoors. This month also provides an opportunity to see if your hard work during earlier months paid off — nothing tests waterproofing... <a href="http://www.realestatedbq.com/real-estate-tips/fall-home-maintenance-check-list/htm" rel="nofollow">Read More</a>]]></description>
			<content:encoded><![CDATA[<h2>Outside you&#8217;ll need to check gutters and problem tree limbs. Indoors  you&#8217;ll want to tend to your large appliances and tackle overflowing  closets.</h2>
<p>November is a good month to move some maintenance efforts indoors.  This month also provides an opportunity to see if your hard work during  earlier months paid off — nothing tests waterproofing efforts like a  hard November rain.</p>
<p><strong>Maintain large appliances</strong><br />
As  the holiday season begins, make sure your appliances are prepared for  the demands you will place on them.</p>
<p>Pull your refrigerator from  the wall and clean the condenser coils in back with a vacuum cleaner  with a brush attachment. Also, vacuum dust from the front lower grille  and clean the drip pan and the drain leading to it (if your unit has  one).</p>
<p>Clean the oven and stove drip pans on your electric range.  Clean the surface burner on your gas stove to ensure proper flame level.</p>
<p>De-stench  your in-sink garbage disposal by packing it with ice cubes and 1/4 cup  of baking soda; then turn it on. After the ice-grinding noise stops,  pour a kettle full of boiling water into the sink.</p>
<p>Check the  dishwasher strainer and washer arm; clean if necessary.</p>
<p><strong>Clean and maintain closets</strong><br />
Go to your closets and  perform these two simple tests: Can you see floor space, and can you  easily close the door? If the answer to either one of these questions is  no, clean your closet. Cramped closets can provide haven for pests,  too-full racks can break free from walls, and sliding doors can be  derailed by too much stuff. Add compartments and hanging racks at  different levels to utilize more space.</p>
<p><strong>Maintain woodwork</strong><br />
November  is a good month to repair and reglue woodwork, since indoor air is at  its driest. If you are regluing wobbly dining room chairs, clamp during  drying by wrapping a rope tightly around the perimeter of the legs. Be  sure to protect wood surfaces with cardboard before tightening rope. Try  using toothpaste on white water stains on wood surfaces. Once the stain  is removed, polish with furniture polish. Use paste wax and elbow  grease to put a new sheen on wood furniture.</p>
<p><strong>Clear leaves from gutters</strong><br />
Cleaning gutters is a  slimy job, but the task will protect your siding and basement from  expensive water damage. Don long rubber gloves, grab a gallon bucket and  scoop leaves into the bucket by hand. Trying to use a garden trowel or  other device just makes the task more cumbersome and can damage gutters.  Blast the scum from the bottom of the gutter with a hose equipped with a  pressure nozzle. If it doesn&#8217;t drain well, feed your running hose up  the pipe to knock loose the clog. Dump the contents of the bucket on  your compost pile and pat yourself on the back for a dirty job well  done.</p>
<p><strong>Speaking of leaves &#8230;</strong><br />
Check some other  places where accumulated leaves can be a problem. If leaves are piled in  the valleys of your roof, they can retain water and initiate leaks.  Walk your property with a shovel and clear drainage ditches and culverts  of leaf buildup. Also, a moderate amount of leaves on a lawn can  provide a natural mulch, but if large amounts are left to soak up winter  rains, they will smother the grass beneath them.</p>
<p><strong>Have problem trees trimmed</strong><br />
Now that you&#8217;ve  cleaned your gutters, you know which trees are dumping leaves on your  roof, shading it enough to encourage moss, and close enough to cause  serious damage should they lose a branch in a storm. Trees are dormant  this time of the year and can withstand extensive pruning. Decide which  ones need cutting back and hire a professional to do the job. This is  not a do-it-yourself task if the trees you are looking at are high  enough to affect your roof. Trimming large trees is a dangerous job that  should be left to an expert.</p>
<p><strong>Maintain moisture</strong><br />
Heaters,  especially forced air and wood stoves, can rob a home of humidity. A  touch of moisture in the air makes heated air feel warmer, so you can  keep the heat at a slightly lower temperature if your humidity is  balanced. If your woodwork is cracking or your skin seems excessively  dry, you need more moisture in your home. A furnace-mounted humidifier  is likely the answer if your home has central forced-air heat and other  measures don&#8217;t moisten things up. If you have a wood stove, put a  nonwhistling teakettle on it and add water regularly (check it daily to  make sure the water hasn&#8217;t evaporated). If you prefer not to go by feel,  buy an inexpensive instrument called a hygrometer that measures  humidity.</p>
<p><strong>Maintain pools down south</strong><br />
For most of the  country, pools are out of sight and out of mind during November. But if  you live in sunny southern climes, this month marks the beginning of the  dry season and the time to begin any pool maintenance job that requires  emptying the pool. If a pool is emptied when groundwater levels are  high, it can &#8220;float&#8221; and damage itself. So if you&#8217;re fortunate enough to  live in a place where you can actually enjoy your pool in December,  consider having major maintenance like replastering done this time of  year.</p>
<p><strong>Check your sump pump</strong><br />
Some unfinished  basements in wet areas have sump pumps installed. These pumps switch on  automatically when groundwater levels rise, eliminating basement water  before it becomes a problem. If you have one, make sure it is in good  working order before the rainy season starts.</p>
<p><strong>Buy foam-cup  covers for outdoor faucets</strong><br />
Be prepared to protect your  spigots when the weather gets chilly and flirts with going below the  freezing level. The foam cups are commonly sold at hardware stores and  provide a cheap insurance policy that will help keep exposed pipes from  freezing.</p>
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