Archive for house and realty

December – Catching Up

Hello, travelers and vacationists!  It’s December again.  How’s it going? Busy traveling and enjoying the vacation?  Good for you.

My family and I were quite busy with school and work.  My dear husband has a lot of stuff going on in his office.  As a Senior Software Engineer, he has to make sure all the developments on their new testing tool is accurately working before being off for the holidays.

The plan of going to Michigan to visit his best friend and family didn’t go through this year (again).  Well, because, a major repair had been supervised.  Remember the big hail in March? My daughter and I were not actually here in Texas when that big hail storm happened because we were vacationing in the Philippines.  That hail did a lots of major damage in some homes and establishments in Wylie and surrounding areas.  Luckily our roof just had few shingles flipped.  But of course, we had to have it fixed and replaced.  So that’s the huge thing that we had to take care of this year.  In addition, me and my daughter had been under the weather since we arrived home from our vacation.  We ran a fever and it was on and off.  Didn’t have infections of some kind (thanks to God)…it’s just some virus going around.  Nasal and chest congestion bothered us for about two weeks.  So awful. With proper medicine, it went away.

This year’s cold season seems like sickness gets us whenever there’s a chance.  We are doing our best to stay healthy as possible all year long.  It sucks being sick because you’re not able to travel or do anything fun.

Y’all take care and have safe travels.

3 Reasons We’re Investing in the Tropics (and You Should, Too)

a-home in tropics

If you’re like most people, you’ve gone on vacation and thought “I wish I could live here year round.” But then that rat race mentality kicks in, and you start thinking that the good life is too good to be true. What if you learned of a place that’s tropical and exotic, but still close to everything familiar, a place where you could retire while you’re still young enough to enjoy it? Well, we’ve found it, and it’s not some mystical land that’s far, far away. In fact, it’s practically in your own back yard.

The Grand Cayman Islands are a haven for people who want to enjoy a slice of the good life, and the living is easy. It’s also a lot more affordable than you’d think. It’s normal for the uninformed to think of buying real estate in Grand Cayman as a tax shelter, and that may be part of it, at first. But the fact is that most investors are there for the long haul; what was intended as a vacation home or a property investment quickly becomes an affordable way of life.

Her are the top three reasons that we’re making the Cayman Islands our new home, and you should, too.

1. Favorable Tax Laws

This is the initial draw, so let’s get it out of the way. The tax laws in Grand Cayman are very favorable for the small investor. The government imposes no tax assessments or capital gains taxes, and if you decide to lease your property in the off-season, you’ll pay no tax on the income. The tax and land use regulations are especially friendly toward foreign investors.

2. Stability

The government and economy in Grand Cayman are some of the most even and stable in the world. It was originally a British territory, and although they are self-ruled, their laws and governing style is modeled on the Brits’ way of doing things. It’s also a society where people from all over the world live in harmony; you won’t find the social upheaval that you see in other island nations.

a-beach

3. Location, Location, Location

Where else can you find a stable, peaceful and affordable tropical paradise that’s just a short boat ride away from the US mainland?

The key to investing in property in GC is to invest for pleasure, not for gain. RE/MAX Cayman Islands is an example of one of the many companies from the US mainland that can help you make your dreams of cheeseburgers in paradise come true. In the end, having a great life is all about quality. If you have the opportunity to grab your little piece of heaven, take it; you only live once.

Unique Weekend Getaways Near New York City

Whether you are a native New Yorker or just in town for a visit, the city can take its toll on you. Luckily, there are a plethora of options for unique and fun weekend getaways, within two hours of the city. Whether you are looking to explore the great outdoors or pamper yourself with spa treatments, you can find a quick getaway that will fit your needs. Try one of these three ideas for your next weekend trip.

Mohonk Mountain House in New Paltz

Nestled in the Catskill Mountains of the Hudson Valley, along the shores of Lake Mohonk, this Mountain House in New Paltz is located just a 90 minute drive from New York City. This historic resort provides guests with an idyllic getaway in its 265 room Victorian castle accommodation. For vacationers looking for something all-inclusive, this is certainly the route to go. The resort is fully equipped with onsite restaurants serving all meals and an in-house spa with 16 treatment rooms and an indoor pool. In addition, the resort can organize a variety of activities for you, including horseback riding, skiing, golfing, ice skating, and hiking.

Fire Island

For a more laid-back weekend getaway, try visiting Fire Island. Located just 90 minutes from the City via train and ferry, this national park is actually a 32-mile long island, entrenched in historic and natural beauty. With a number of local bed and breakfasts, visitors have many options when it comes to accommodation on the island. Attractions include the Sunken Forest and the iconic lighthouse built in 1826. Visitors enjoy shopping at the many boutique stores and relaxing on the beach as well. Interestingly, for those who are daring enough to go nude, there are several clothing-optional beaches on the island as well.

Hudson Valley Wineries

Wine enthusiasts will be happy to know that the Hudson Valley wine region lies just a 90 minute drive from New York City and provides a number of options for wine tasting and quaint accommodation. With over 20 wineries located throughout the region, a weekend of tasting is just within reach from New York City. There are numerous wine trails to explore, though the Dutchess and the Shawangunk are two of the most popular. Both trails feature approximately 12 to 20 wineries along the route. Many guests choose to stay at bed and breakfasts or local inns in the region and travel by car from winery to winery. For those who do not have a designated driver, there are also a number of tours, which include transportation to selected wineries and loads of information about the wine making process and region along the way.

Finding Mortgage Insurance For Your Home

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The Wandering Miss

When you buy a house, there is a very good chance it will be the biggest purchase that you will make during your lifetime. Because of the enormous amount of money you have tied up in your home, you need to take all of the necessary steps to ensure your investment is properly protected. Obviously, homeowner’s insurance is essential to protect you from damage being caused to your home by a fire, flood or other natural disaster. This type of insurance will also protect you if any of your possessions are stolen from your home.

The vast majority of people who own a home have some form of insurance policy that covers the house itself and the objects that are inside of it. However, there is one very important detail that many homeowners do not consider. What if the person responsible for paying the mortgage payment dies? This would obviously be an enormous financial disaster. Fortunately, there is an insurance policy designed for that specific event. It is called mortgage protection insurance (MPI). Here are some details about this type of insurance, as well as some reasons why it is a good investment.

Extremely high rate of acceptance

MPI is usually issued on a guaranteed acceptance basis. This basically means that assuming you fill out the paperwork correctly, there will most likely not be any questions asked that will prevent you from obtaining the coverage. This is very important for individuals who have serious health issues or who are considered to be uninsurable. People who have a hard time obtaining disability insurance, such as those who have high-risk jobs, can also qualify for MPI.

No worries

There is no telling what the future holds. However, with an MPI policy in place, you will be assured as the breadwinner of your family that if you should ever pass away, your family will receive the funds they need to keep a roof over their heads. This type of peace of mind can be very reassuring for the head of any family.

How is the cost of MPI calculated?

The cost of mortgage protection insurance is based on such factors as the age of the person being insured. If the insured person is a smoker, this will also be a major consideration in the pricing process. Finally, the principal amount of the mortgage will also come into play. Depending on which provider you are dealing with, you may not need to have a physical exam performed.