Going to college is very important.
The average realtor sells between 12 & 15 homes a year; any less then that and your truly dealing with a rookie or inexperienced broker.
If you are planning to get a mortgage, most banks will need to ensure that the home is up to local codes and in living condition.
1% up to .
Real Estate
To actually determine your maximum mortgage amount, lenders use guidelines called debt-to-income ratios.
It is best to arrive at the closing agent or attorney’s office early, in case you are delayed in any way.
Sellers want to know that an agent is familiar with the area and is likely to do the best job of marketing for them.
Hire an expert inspector.
Many people believe that credit cards are unavailable for those people with less than perfect credit.
Once your closing is scheduled, it is important that you remain in contact with the closing agent and your realtor to determine that they have received everything they need in order to complete the closing.
A “bad credit home loan” is a loan that one can get despite having a bad credit rating.
Notes from Hawaii - Kaui
The island of Kaui was my last stop with
four nights a the Resortquest Kauai Beach at Makaiwa.
The hotel was recently acquired by Resortquest
and offers a beachfront location that is close to
shopping,beaches,dining and many activities.
I had a oceanfront room with a small lanai(balcony)
that gave me a view of the great sunrise in the morning.
I do suggest a luau on your last night in Kauai at Smiths
Luau just a short distance away in the Wailua marina.
Smiths has a great setting, all you can eat food and drinks
with a show that includes performances from China, Japan,
the Philippines, and the South Pacific
The North Shore with its great beaches and rugged mountains
is a good place to spend a day.
You can start the trip with breakfast at the Kountry Kitchen in
Kapaa with its plate sized macadamia nut pancakes.
If your goal is to hike on a part of the Kalalau Trail that starts at
Kee Beach, it is a good idea to drive directly to beach and then
make stops on the way back.
The Kalalau Trail is a very difficult 11 mile trail with most people
hiking the first two miles to Hanakapiai Beach and some people
doing the extra two miles to Hanakapiai Falls.
You cannot hike without a permit beyond Hanakaiai Falls
and most people camp beyond this point.
The hike to Hanakapiai Beach will give you great views of the
coast, but is can be difficult with very a narrow and steep
trail.
A number of movies have been filmed at this location and
the nickname for the mountains is Bal Hai from the movie
South Pacific.
Kee Beach is a great place for swimming and snorkeling
on calm days that produce tons of fish and turtles.
A stop in Hanalei on the way back will bring you to one of
the best surfing spots in Hawaii.
Kilauea is a former plantation town and you will find the
Kilauea Lighthouse and is the northernmost point of the
main Hawaiian islands.
The Guava Kai plantation is just past Kilauea and is the
largest guava producer in Hawaii.
The guava pulp is made into juice by such companies as
Dole and the Hawaii’s Own brands.
The visitor center offers free guava juice samples and you
can pick the guava off the trees in a unlimited amounts.
The following photo is from the Kalalau Trail.

Traveling Ed
Costa Rica - Romantic beaches of Guanacaste
Are you looking for a destination with great
beaches,rainforests, and a number of activities
such as snorkeling and horseback riding?
The Guanacaste region of Costa Rica has some
of the most beautiful Pacific beaches for surfing,
sunbathing and long romantic walks on the beach.
The Capitan Suizo is a small beachfront hotel
located on the golden sands of Playa Tamarindo.
The hotel offers rooms and thatched roof
bungalows in a lush garden setting surrounded
by large native trees.
The following photo shows a room at the
Capitan Suizo

The Cala Luna is a small boutique-style hotel
located near Playa Tamarindo.
The hotel offers luxury villas with private pools
and kitchens that are surrounded by a tropical
forest.
This photo shows the a villa with a
private pool.

The local food staple is rice and beans with
Gallo Pinto (rice and fried beans) for breakfast,
and Casado (rice, beans and meat) for lunch
the most popular dishes.
You can visit the Big Day website for additional
Costa Rica specials.
This photo shows Tamarindo Beach in
Guanacaste.

Traveling Ed
Azul Blue Hotel Stress free luxury sanctuary
Are you looking for a luxury all-inclusive
boutique hotel in the Mexican Riviera Maya
with great food and a spa?
The Azul Blue Hotel & Spa by Karisma is
located on a spectacular beach with 96
villas the offer a dedicated butler and a
double size hydro-massage tub.

The hotel is presented as the worlds
first stress free hotel and they have
developed a sanctuary designed for rest,
relaxation and tranquility.
You will find three gourmet restaurants that
offer a variety of creative dishes that are
designed to soothe the palate and relax
the senses.
The hotel offers local exploration tours,
scuba diving, meditation classes, and
soothing spa treatments.
The spa is considered the most complete
In the Riviera Maya and was created to
provide an atmosphere of tranquility and
relaxation.
The pool and beach offers butlers that
provide complete lounging and sun bathing
convenience.
This photo shows the beach at the Azul Blue Hotel.

You can visit the Big Day website for
additional Mexico Specials.
This photo shows the Mayan ruins at Tulum
that are within walking distance of the resort.

Traveling Ed
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