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About Norma Cardenas
Born and raised in Edinburg, I have a BBA with a minor in English. After teaching business subjects for ten years, I retired after 20 years as a hospital administrator. Retirement didn't work for me - I need to be busy and active, so I became a realtor in 2012. My family has over 110 years in the real estate industry, so it was a logical move for me. I love meeting new clients and helping them through the selling or buying process! I have been involved in the community all my adult life, serving on numerous civic and charitible boards and organizations. These include two terms as a McAllen ISD Trustee, Leadership McAllen, and the McAllen Chamber of Commerce. I was honored as McAllen's 1990 Woman of the Year and received a national award from my college sorority, Kappa Delta, for community service. There is so much growth and potential in The Rio Grande Valley and I so appreciate being a part of it!
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Real Estate Glossary Terms
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Business Life And Health Insurance
Coverage providing funds for maintenance of a business as closely to normal as possible in the event of a loss of a key person, owner, or partner. ...
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Expense Limitation
Ceiling on expense reimbursement allowance, as stated in New York insurance law, that an insurance company licensed in New York State can give its agents. This is one reason why a company that is admitted (licensed) in all states but New York may have a sister company doing business only in New York ...
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Future Service Benefits
Retirement payments to be credited for future years of service with an employer. ...
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National Building Code
Set of standard safety guidelines adopted by many states to help provide uniformity in building construction and guard against fire hazards and other unsafe conditions in buildings. ...
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Pension Benefit Guarantycorporation (pbgc)
Independent federal government organization authorized by the employee retirement income security act of 1974 (erisa) to administer the pension plan termination insurance program. Its function is to ensure that vested benefits of employees, whose pension plan is being terminated, will be paid as the ...
Real Estate Advice
Homebuyer Tips
Eco-friendly Vs. Harmful Building Materials
More than ever, the past dictates our future. The twenty-first century must face the dramatic repercussions of our past heritage concerning environmental issues. We foolishly exposed our planet to threats and insecurity. In practice, we do lots of harm to our immediate environment, and we should pay more attention to do’s and don’ts in nature. Humankind has ...
Homebuyer Tips
Home Automation That Can Be Implemented
Phrases like “Alexa, turn on the AC!”, “Alexa, dim lights!”, “Alexa, open the front door!” or “Alexa, cook mac&cheese!” are becoming a regular in US households. Well, maybe not the last but it won’t be long till that becomes a reality as well. Having the ability to tell your home what to do has been a fantasy ...
Agent Advice
Digital Trends That Revolutionized The Real Estate Industry
Of all the inventions that changed the real estate game, none have changed it as profoundly and irreversibly as the internet. This technology opened up a world of new possibilities and opportunities for real estate professionals working at every level in the field of real estate. From the lowliest copy room workers to the moguls and brokers at the very top of the ...
Homebuyer Tips
Homebuyer - Realtor Relationship In A Period Defined By COVID
At the beginning of 2020, a pandemic swept across the globe. The coronavirus or SARS CoV-2 became public enemy number one due to its unpredictability in spreading and affecting human health. Specialists soon discovered the exponential damage it can exert causing respiratory tract infections, from mild to lethal. As a result of the virus, a series of protective ...
Homebuyer Tips
House Hunting Goes Digital In 2021
As you are already aware, the global pandemic kicked in 2020 inconsiderately switching up the rules of the game. An unwelcome guest, SARS-CoV-2 (COVID-19), proved to be a tough opponent. As a result, governments were obliged to implement similar responses in the form of severe restrictions, namely lockdowns, the principle of social distancing, and even tighter health ...
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