the World's Best #Hotels – Planes Trains and Bulls*it
In 1868, Russian empress Maria Fedorovna rented the villa for two months—and stayed for two years. The Tsarina was actually the Villa’s last private resident, as the property became a luxury hotel a few years later. … It’s good for boating excursions to nearby towns (and, for cruising past George Clooney’s villa), but the lake’s beautiful water may not be fit for swimming. That’s according to some (but not all) locals. Not to worry—the best of the Villa’s three swimming …  read more…

Open Question: House to rent near Lake George, NY?
I’m trying to find a house or group of houses on Lake George or one of the smaller lakes nearby that can hold 30-35 people. We usually go away in August for a week. Prefer a private beach and property but willing to try anything. …  read more…

Perspective on the Tester Forest Bill | George Wuerthner | Travel …
As most people in Montana know, Senator Tester combined three different logging/wilderness proposals formulated by collaborative efforts affecting all or portions of the Beaverhead Deerlodge National Forest, Seeley Lake District of the Lolo National Forest, and Three Rivers ….. Taking a privilege turning it into a right, like a guy renting property from you but when you want your property back it turns out that you have to pay him what he demands before he will leave. …  read more…

From Google Blog Search

Lake Como: From Caesar to Clooney
Is it possible that one of the best travel destinations on earth has been known about for 2,000 years, and that you’ve never heard of it? Or that you’ve seen it in Hollywood films and never realis…  read more…

Headless Ghosts, Drownings, and Mysterious Screaming at Niagara

September, 1814 – Fort Erie, Niagara Region – Canada – The battle rages on. British troops maintain their hold on the Northeast corner of the fort and continue to fire cannonballs into the American …  read more…

Brisbane Hinterland’s Interesting Locations
There are many interesting attractions just outside the hustle and bustle of Brisbane in the Brisbane Hinterland. DAguilar Range is a subtropical paradise which is a mere 20 minutes west of the city. …  read more…

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Voting Question: House to rent near Lake George, NY?
I’m trying to find a house or group of houses on Lake George or one of the smaller lakes nearby that can hold 30-35 people. We usually go away in August for a week. Prefer a private beach and property but willing to try anything. Does anyone know any availability or where I should look to find a place.
Thank you.

  read more…

Resolved Question: Middle Atlantic honeymoon? NY, NJ, PA, MD?
Catskills/ Lake George/ Lake Placid area, NY for a honeymoon?

OR Vernon Valley / Atlantic City, NJ?

OR Ocean City, MD?

or (yes, even) the Poconos, PA are listed.

Is this worth-while? We are coming from around NYC and it’s about a two to five hour drive depending on the area. My sister is letting us use her timeshare, which is wonderful! But we don’t want to fly, nor do we want to drive forever. We are getting married in June 2010 and are not sure how much time we will have off from work. So we are trying to come up with “9-days off” possibilities. The places her time share can let us be are the towns listed above. Figured I would ask to people who live in the mid-atlantic states as to their personal feelings on these areas, because we are looking for to take a real honeymoon. This is it, it’s not going to be a mini-moon and then we are going to the Caribbean. This is it. So are these areas of NY/ NJ/ PA / MD a worthwhile honeymoon spot? If so, what is there to do there? And if not, please let me know that too.

Thanks!

PS – I listed the towns her timeshare has multiple properties, but I would prefer NOT Atlantic city for our honeymoon. ALSO, the pocono properties are not the Caesar’s properties. They are places in the Lake Harmony and Bushkill areas as well as others, but not MT Pocono. And again, not the Caesar’s couples resorts.

  read more…

Resolved Question: Which indoor water park would you choose Great Escape Lodge or Coco Key?
We are planning a November trip and wanted your input on these two and which you would choose. The Great Escape Lodge is a Six Flags owned property in Lake George, NY and Coco Key is a new facility opening in Connecticut.

  read more…

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Carbon offset is helping to save the world from the catastrophic effects of ecological degradation and global warming by its attempts to reduce carbon emissions in large industries and manufacturing entities, as well as at a personal level.

Carbon offset is a method of reducing the emission of hazardous greenhouse gases through different ways like continuous reforestation initiatives, green and renewable energy usage etc. The greenhouse gas emission limits for developed and emerging countries are regulated by the Kyoto Protocol, an internationally recognized pact, which was signed in 2005 by almost all countries of the world.

The Protocol makes it mandatory for commercial entities emitting above the allowed limit of carbon dioxide to cut down their emissions to prescribed levels, or they should buy carbon credits certificates which can be transacted in the market, or alternatively pay a penalty for the emissions, which is known as carbon tax. One carbon credit, which is an older instrument than carbon offset, authorizes the credit’s owner to discharge 1000 kilograms of carbon dioxide into the atmosphere, and this method is the most economical method of buying an allowance to release excessive greenhouse gases in the atmosphere. Both multinational and regional companies, to make their operations carbon neutral and enhance their image in front of clients and investors, are increasingly purchasing carbon credits.

Another innovative instrument, carbon offset, has opened up an excellent financial opportunity, especially in the developing countries, as the system provides adequate funding for green projects that are created to help reduce the overall carbon footprint in the world. It therefore helps in promoting environmental projects related to reforestation, conservation of resources, and green energy choices like wind energy, solar energy, geothermal energy, etc.

Apart from the companies, even ordinary persons are helping the environment by buying carbon offset and motivating others to do the same. Purchasing carbon offset is straightforward and can be conveniently implemented online through one of the several carbon offset provider websites; however, it should be ensured that your investment is making real impact through good projects.

Although carbon offset is a great option we must also not forget that we need to take more proactive steps by making small environment friendly decisions in our daily lives. We should adhere to certain fundamental practices like switching off lights and other electronic appliances when not required, making use of low-energy bulbs and LED lighting, and going for cleaner fuels like biodiesel.

Carbon offset is still a new word for average people. Awareness of the same in the form of relevant education on the matter is the way forward towards a healthy and sustainable environment.

Technorati Tags: carbon offset, carbon trading, Real Estate

I am the big sister to two kid brothers. Like any older sister, I worry about my brothers, even now. Most of all, I worry about their futures. The one closest to my age is the one I worry about the most lately.

You see, he is a talented carpenter. Before that he worked as a chef ” and was amazing. He is also extremely good at rebuilding and repairing cars. Anything that requires patience and attention to detail seems to be something he is exceptionally good at. That is, except when it comes to his finances.

As he is only in his early thirties, he’s happy to keep working for the next 30 years, but I do worry about the fact that he’s only saved a little bit for his retirement. None of us can rely on pensions or government funding to support our retirement anymore so we all should start thinking about our futures today!

I don’t want to see my brother in financial trouble later, so I decided to help him with his finances. There was one part of his lifestyle that was glaringly obvious to me that needed to change- he owns three cars. I explained to him if he sold one and put that money into savings, not only would he have the money from the sale, he would be able to save an additional $500 a month.

He can also take on side jobs. People are always asking for help with building fences or kitchen renovations. He doesn’t have to work every weekend, and in a year he could have enough saved to put 10% down on a beat up house could be bought for around $200,000.

Since he is a carpenter, he can even buy a house that has been listed as a “handyman’s special”. If he lives there while he’s fixing it up, he can save even more money. After a few years he can rent out the house for about $1,400 a month. Then he should buy and move into a different property.

Fast-forward 25 years – let’s see what he has to show for his investment.

If his repairs add $25,000 in value and the house appreciates by 4% every year, then in 25 years it’ll be worth approximately $576,743. That means that his original investment has almost tripled in 25 years! Imagine- $1,900 a month of someone else’s money going toward his retirement ($576,000 divided by 25 years divided by 12 months)!

If you’re wondering where the 4% comes from, properties increase in value on the average of 4% every year, even with ups and downs in the real estate market. But even if it doesn’t increase quite that much, the tenants have still paid off the mortgage over the 25 year time span. The rent from the property that he continues to collect (which would be up to about $2,350/month if rent and expenses increase at a 4% rate as well) will go directly toward his retirement.

In 25 years, he will have his own primary residence paid off as well. If he owned nothing else but these two pieces of property, then he will have about $1 million worth of property for his retirement. Doesn’t that seem like a simple way to have other people help you save for your retirement?

So are you wondering what happened to my brother? He followed my plan, sold one of his cars, and now he’s doing side jobs and saving up for a nice down payment for his first investment property.

Technorati Tags: buying rental property, Investing, money making, personal finance, Real Estate, real estate investing, retirement, wealth

During hard times, when debt builds up and becomes overwhelming, it can be very difficult to keep up with bills. If you fall behind on bond payments, however, the results can be devastating. It is very likely you will lose your property. However, there is hope for people who find themselves caught in this predicament.

The National Credit Act went into effect on June 1st, 2007. This introduced something called Debt Counseling or Debt Review. In effect, if you have over-extended yourself financially, this program is there to offer you help. It provides a way for you to restructure your debt. The eventual goal is to meet those outstanding obligations and credit agreements.

One way of doing that is with Debt Counseling. This program was developed to help consumers who simply could not meet their credit agreements and the fundamental living expenses. With this type of program, a debt counselor will negotiate with your creditors, and get reduced monthly payments. Creditors can no longer take legal action once a debt counselor has contacted them. The counselor, working on your behalf, will negotiate with your creditors. They work out monthly payments and usually get interest rates reduced. Debt counselors often charge a fee for their services.

Debt Counseling is one option. This is sometimes called Debt Review. Originally, it was developed to help consumers who could not handle their credit agreements and basic living expenses. With this program, a debt counselor parleys with all the consumer’s creditors, for reduced monthly repayments. Once a debt counselor has established contact with these creditors, they cannot take legal action against you. On behalf of the consumer, the debt counselor negotiates with creditors. They work out reduced monthly repayments, as well as reduced interest rates. Debt counselors usually charge a fee.

Debt consolidation is another way you might go. This would involve taking out a loan to pay off several debts. Usually, you can get this loan at a lower interest rate, and you end up with just one monthly payment.

Only consider bankruptcy as a last resort. When you declare bankruptcy, your credit rating is damaged, and it can be a long-term blow. With bankruptcy, you will have to liquidate everything, and any monies collected will go to creditors to help meet the outstanding debts.

The biggest concern when you are in bond arrears, is repossession. An illness or layoff can easily cause a consumer to fall behind in their monthly bond payments. This can, and often does, result in the loss of property, as the bank will foreclose. One way to avoid foreclosure is to sell the property to creditors. At least that prevents it from undergoing repossession. It really is very important, especially in today’s financial climate, to be prepared for emergencies.

Repossession is the real concern, if you are in bond arrears. An illness or layoff can put you behind in bond payments, and that can mean you lose the property when the bank forecloses. You could sell your property to investors, which prevents it from going through repossession. In today’s economical climate, it really is very important to be prepared for emergencies.

A Bond Payment Protection Plan is one way to be prepared. Most insurance companies offer something like this, and it actually protects your bond payment. If you simply cannot make your monthly payment, due to illness or loss of employment, the insurance company makes it for you. If you do decide to go with this coverage, be sure to check any significant information and look over the provisions. Make sure you know what is being covered in the policy, and under what conditions it is covered.

Technorati Tags: credit, finance, loans, money, mortgage, property, Real Estate

Even though I should know better, I got behind in my record keeping last year and had to struggle through everything during tax time. I just couldn’t find the time to keep the property management books up to date. Between starting up our online real estate investing education business, a property renovation, getting married and our extracurricular activities (we love adventure racing), I didn’t have much time left for bookkeeping.

Even though I had intended to get caught up when I had some free time, that time didn’t arrive. I was soon horrified to realized I had a year’s worth of records, receipts and expenses and I hadn’t recorded a single one.

We don’t prepare our own taxes (we have an accountant do it). But I hadn’t even done the work required to hand everything over to the accountant!

Thankfully my husband Dave and I have a really good system in place – so entering receipts actually went quickly and easily (considering it had been a year since I had done anything).

In the beginning, you have to pay careful attention to your records to see where you can cut costs and increase income. Once you’ve done this for a while and you have a better idea of your costs, it might be safe to pay less attention every month. But in case you fall far behind (like I did), there’s an easy way to keep investment property records:

1. Every property you own should have it’s own bank account- this is especially important if you have partners. Any activity with this bank account (deposits from income as well as withdrawals for expenses) should be related to a particular property. This will make it easy for you to determine whether the property is making you money or is costing you money overall.

2. Eventually, there will come a day when you have to purchase something for your property out of your own pocket. Before that receipt goes in your wallet, write the property address and unit number (if applicable) and the reason for the purchase on the receipt. This way you don’t wind up with numerous receipts at the end of the year and you can’t remember what any of them are for. (Did that new tile go in house number one or house number two?) This also applies if you’re having business meetings over lunch or dinner with your investment partners about your house- be sure to record which investment properties you discussed and who was present.

3. Weekly – review your mail and pay the bills. If you only have one rental property you might get away with doing this less often, but with a bunch of properties, you’ll need to set aside a bit of time each week to review all of the bills. You could hire a bookkeeper to do this, but then you’ll want to have monthly reports sent to you about the bills that are being paid so that you know when expenses are climbing unexpectedly. So, you’ll still need a bit of time to review the report.

4. Of course, now is the time you should enter those bills and statements, but you don’t have the time to do it now, right? That sounds familiar. So if you’re not going to enter them every week, then it’s a good idea to get a set of stacking drawers. Each drawer should be reserved for one property and should contain all paperwork regarding that property. This includes all statements, communications, receipts and bills.

5. On a quarterly basis take everything out of the drawer for each property and enter it into the spreadsheet that you use to track income and expenses. The spreadsheet can be simple spreadsheet that you create in Excel, or you can find another type of software online- a few good options are offered by Buildium and Quicken.

Steps 1 through 4 will make things easy on you at the end of the year- even if you disregard step 5 more often than not. Using this system is an easy and effective way to help you keep track of income and expenses related to your rental properties.

Technorati Tags: buying rental property, Investing, money making, personal finance, property investment record keeping, property management, Real Estate, real estate investing, wealth

The internet is very useful in social marketing and is fast growing as far as successful business of real estate is concerned. An effective tool for online marketing is the RSS Feed. Feed burner RSS Feed can be used by you as a real estate professional if you want to use the internet to establish your business and gain exposure online by attracting traffic to your blog or website. Your real estate enterprise will get the necessary enhancement on using Feed burner RSS Feed.

Feeds need a method so that all kinds and sizes of websites can share their content beyond the visitors who use their web browsers. RSS Feeds permit subscription to regular updates that get routinely delivered through a web portal, feed reader, e-mail or news reader. You can circulate your own RSS Feed and provide statistics of distribution about your individual RSS Feed using Feed burner RSS Feed.

You can make your real estate RSS Feed friendlier and more priceless by providing an exceptional system known as the Feed burners Smartfeed using your Feed burner RSS Feed. Your feed browser will also be more well-suited.

For implementing the Feed burner RSS Feed, you will have to visit Feed buner in the first place. You will then have to enter your own distinct link. This owned link of yours will be an indication of the address that you will give your users for including your RSS Feed to their respective feed readers.

After obtaining your own feed address you must make an entry of it into the text box that is located on the page of the Feed burner RSS Feed. If you click on the ok button, it will provide you with a page with numerous options for your real estate feed. You can then make a choice as to which services you will actually require.

Right at the bottom of the web page you can instantly spot your brand new feed address which you can now offer to your consumers instead of your older and outdated feed address. After this you will have to follow some more easy steps and the procedure will be over and done with. Now you will have the privilege of an updated feed coupled with genuine statistics. You can very well realize the advantages of the Feed buner RSS Feed.

The Smart feed system of the Feed burner RSS Feed can provide the most suitable feeds by identifying the type of RSS reader that the user is utilizing. This rules out any possible problems of compatibility that may arise between your own feed and the feed of the visitors feed reading specific software. If your blog or website’s visitor happens to click on your subscription link of the RSS Feed, then Feed burner RSS Feed will supply him or her with a version of the feed that is web friendly in nature in place of the unformatted XML file.

Therefore the Feed burner RSS Feed will regularly keep a track of the address you have given to Feed burner for newer posts. Your visitors can subscribe by using the specific address that you have used in your own htaccess file. Then they will get redirected to that particular feed that Feed burner RSS Feed has generated for you. Feed burner can thus be an effective tool to augment your real estate business online.

Technorati Tags: marketing for realtors, marketing realtor site web, Real Estate, real estate email marketing, real estate internet marketing, real estate marketing, realtor email marketing, realtor internet marketing, realtor marketing, realtor marketing products, realtors marketing

There is no quick fix, or easy solution for credit repair. Doing it yourself can save you lots of money, and hiring someone else to do it for you is supposed to be less stressful. The truth is no matter which way you fix your credit, it will not be fast, or easy.

Some people believe that credit repair services are the best way to fix bad credit. That’s why these companies do such good business. It is also possible to fix bad credit yourself, but it is not easy. However even dealing with credit repair companies is not necessarily easy or stress free either.

The absolute first step to fixing your bad credit is to identify the need to fix it. As long as you say well it’s not great, but it’s not that bad, you’re not going to fix it. The next logical step is, a lot of people have a hard time with this one, get rid of your credit cards. Some people really struggle with this step. Unless you have superhuman self control, which admit it if you did you wouldn’t be needing to fix your bad credit. It is imperative to the healthy rebuilding of your credit.

Open a separate bank account, and for a few months put your payment you normally make to your credit card company in that account. I mean let’s face it, you’ll never get it paid off with the minimum monthly payment. When the credit companies start calling regarding your delinquent accounts, be honest that you can’t pay right now, but you have a plan in place to repair this situation as soon as possible.

Surprisingly enough, when you contact your creditor and offer a lump sum payment, they have been known to settle past due accounts for as little as pennies per dollar. You may have to dust off your negotiating skills, but if you stick to it and don’t be too eager to give in, you’ll get results.

You need to start with looking at your budget, and your credit. You need to rework your budget so you can live within your means. Seeing as you got rid of your credit cards, now you can start rebuilding your credit only as long as you live within your means.

Credit repair forums are a great place to start. Most of them offer a search option. You can find people that have dealt with similar circumstances to yours. You can also ask questions. You may find people that work in repairing bad credit on some of these forums. It’s also a good place to get advice for free. You must still explore your options and determine your best legal course to repair your credit.

It is your responsibility to check out all the legal implications before deciding on a course of action. This may take some work, but your credit is worth it, isn’t it?

As the old saying goes, look before you leap. Know where you are going, and what steps to take along the way. This is not something you want to do by the seat of your pants. You want to have a thought out plan, you don’t want to make things worse.

One saying I have heard that rings true, is make choices and don’t look back. Decide on a course of action and move forward. Never mind wasting time trying to figure out what would have happened if you had made a different decision. It’s done, you decided now move forward from where you are.

You must remember two things when deciding what to do. As much as there are laws that determine what you are allowed to do and not do, there are also laws that dictate what credit reporting agencies may do or may not do. It is also in the creditors best interest to get this account paid, that’s why they often settle for lump sum payments at pennies on the dollar.

Technorati Tags: business, car loans, credit, financing, home, loans, Real Estate, travel

The internet has given a new dimension and shape to modern day advertising and has the potential to capture a lager target group. It is getting utilized by many businesses around the world and the real estate sector is no exception in this regard. Being a real estate professional you can think about using something called an RSS Feed to enhance your business of real estate. RSS is the short form for Real Simple Syndication. An RSS Feed typically enables the location of the most updated data on your favorite sites.

RSS is actually an instrument for those who are interested in specific subjects to obtain instant information, updates and news without having to surf through innumerable pages on the web. If you want to obtain any RSS Feed then you should be made aware that the pages of RSS are usually produced in XML and are not suited for human eyes but specifically designed for RSS Aggregators or Readers.

If you get to see any RSS Feed then you will notice certain things. If you happen to use any of the latest web browsers such as FireFox, you will automatically have a proper bookmark location meant for all your individual RSS Feeds. You will need to simply click subscribe and then select a search engine. Then for every time that you login, you will get to view all the latest and happening information and news from your favorite site.

You will be amazed to know what a time and effort saving device the RSS Feed can actually be. You can use it to your advantage for a wide variety of purposes. For instance, you can implement it for marketing your real estate and the feeds can also ensure that your targeted consumers get attracted to your offers by being able to identify and relate with your products. If you manage to devote some extra time and expend some more effort in regularly updating and refreshing your real estate content, then you can be assured of getting a better response.

There are several websites that will guide you in programming all RSS Feed that you subscribe for to display only a summary or maybe the complete page of your real estate web content. The websites may even manage to take account of the facilities of advertising and promotion links in your RSS feeds.

Subscribing to a RSS Feed is very straightforward and effortless to attain. Anyone having a “feed reader” or news reader can conveniently subscribe to one of these feeds. An update or notification in the reader will be sent, whenever a new post or entry is made to the specifically subscribed content.

There are many free news readers that are available online for you to use for your real estate online marketing. One of the popular and reputed ones is NewsGator which has a free version on the web. NewsGator is very simple to implement and you can use any RSS Feed reader.

You can easily utilize the RSS Feed for your real estate blog. You are expected to possess a link on your individual blog that your visitors and readers can easily subscribe to. This will save them time from visiting your blog each time to obtain your latest content. They can simply get to know about it through the notification that will appear on their reader instantly after you make a new post or update. The RSS Feed is undoubtedly a reflection of the latest and popular technology and you must use it to supercede your competitors who might still be stuck with older and outdated forms of real estate social marketing.

Technorati Tags: marketing for realtors, marketing realtor site web, Real Estate, real estate email marketing, real estate internet marketing, real estate marketing, realtor email marketing, realtor internet marketing, realtor marketing, realtor marketing products, realtors marketing

Have you just retired or are coming upon retirement soon? You may want to start thinking about moving into HUD senior housing. HUD senior housing is a community where residents are aged 55 or above.

Life in HUD senior housing can be great. The residents there are around the same age and would like doing the same things you do since everyone is liked minded.

Finding the perfect HUD senior housing is absolutely necessary. The complex should offer amenities and activities for their residents. Find out specifically what the housing complex offers.

Although having a lot of amenities is great, you need to sit down and calculate if you can actually afford that type of HUD senior housing. The more amenities a housing complex offers, the more expensive it will be. Find a balance between what you can pay and what amenities you want.

Once you have evaluated what you want in HUD senior housing, you can begin your search. Go online first and start searching there since there are many websites that can help you find HUD senior housing.

Also, talk to your friends and see if they are living in HUD senior housing and maybe they can recommend a place for you. They might even get a discount if they referred you to their complex which they could share with you.

Look up reviews online about the HUD senior housing which should help you in deciding whether a particular complex is good. Many residents post reviews of their living experience in a complex on several websites. Use these reviews as a guiding point.

Finally, it is very important to find HUD senior housing that you will like and want to move into. If you are planning on retiring there, you could be staying there a good couple of years. So move into a good place and avoid the hassle of changing to another place later.

Technorati Tags: assisted living, elderly care, finance, HUD senior housing, low income senior housing, Real Estate, section 8 senior housing, subsidized senior housing

When buying a home, there are two stages in the home loan approval process.Stage 1 starts when a homebuyer submits a mortgage application to his loan officer for a pre-approval.

Preapproval is an initial home mortgage approval. When this is requested, It indicates that the loan is likely to be approved for a predetermined down payment and purchase price.

This preliminary approval becomes obsolete once the buyer signs a purchase agreement. Stage 1 is now over because the buyer must now secure the actual loan from an “underwriter” and not the loan officer.

It is the job of the “underwriter” to make sure that the buyer can meet the lending criteria of the banking institution. He does this by reviewing the buyer’s credit, assets, income, job history and other factors. This is Stage 2.

If the loan officer did his job in Stage 1, Stage 2 is just a formality. And most times, it all goes according to plan. Occasionally, though, a homebuyer sabotages his own mortgage approval by inadvertently changing his “risk profile”. It doesn’t happen on purpose, of course — it just happens.

So, consider this a quick primer of what not to do while you’re between Stage 1 and the completion of Stage 2 of the home loan approval process. Following these pointers will help keep the risk profile consistent.

1. Don ‘t miss a payment to a creditor 2. Don’t transfer large amounts of money in or out of your bank accounts (large may have different meanings to different people) 3. Don ‘t accept gift of cash without talking with your loan officer first (There are rules for gifts) 4. Don’t buy a new car (or increase loan or lease payment) 5. Don ‘t quit your job or change career(don’t switch to a “commission” job ) 6. Don ‘t open a new credit card (no matter the deal)

There’s other items, too, but this a good start. Now, avoiding these mistakes may not be practical for everyone. Therefore, if you know you’re going to violate a “rule”, check with your loan officer first. There are a lot of “gotchas” in mortgage lending and it helps to have professional guidance for your individual questions.

Technorati Tags: down payment assistance, economy, fha, finance, home buying, money, mortgages, no money down mortgage, Real Estate, refinance, short sales, zero down mortgage