Monthly Archives: June 2017

Celestun Rio Celestun Biosphere Reserve – Own A Condo In Mayan Riviera

Celestun is one of many beautiful places which I have visited in the Yucatan Peninsula. It offers an excellent variety of seafood and seafood restaurants located right by the sandy waters of the Mexican Gulf. The great thing about this place is the tranquility and stillness which awaits you after long hours of travel. The ocean floor in Celestun is quite shallow which is great for those afraid of deep Caribbean waters. The main attraction that should not be missed when visiting Yucatan peninsula (between Merida and Campeche) is Rio Celestun Biosphere Reserve, which is a spectacular forest housing over 200 species of birds, including pelicans, cormorants, the occasional stork, and hot pink flamingos. Many Mexican and international tourists as well as biologists take refuge in the Reserve during the months of July and August. When travelling during those months make sure to book your inexpensive hotel well in advance of your trip.

Celestuns estuary is quite popular with kids and tourists who want to see pink flamingos which are plenty in this region. There are two main trips available. The first heads north to Isla de Pajaros, an avian playground. The second tour heads south through petrified forests and a river tunnel of intertwined tree branches and vines before winding through the abandoned fishing village of Real de Salinas. The tours are quite inexpensive and can be negotiated with local lancheros which can be found at the bridge before the entrance to the town. You can hook up with few people whishing to do the same tour and negotiate a price. The best solution is to combine the two tours; some fisherman will gladly provide you with their lanchero services for around 550 pesos. If you are in Celestun during the weekend, be sure not to miss many performances near the zocalo, taking place usually Saturday night.

City Map: The main street, Calle 11, in Celestun, touches the western shores of Yucatan, and connects with the main carretera federal Rte. 281 which leads to or from Merida (approximately 150 km). Odd numbers increase to the south, while even numbers decrease moving away from the ocean. The zocalo, where the events take place, is bounded by Calle 11, 13, 10 and 8. There is a bus service, Autobuses de Occidente, which provides travel service to Merida; it can be found by the intersection of Calles 8 and 11 right by the zocalo. Schedule may have changed: (2hr trip to Merida, 12 per day betwen 5 am 8:30 pm.) As I had the rented car, I have never used this service.

Accommodation: One of the most inexpensive waterfront hotels I found in Yucatan Peninsula. Most hotels are found on Calle 12. I stayed in Hotel San Julio which faces a sand patio and it is almost right on the beach. There are three hotels, in addition to San Julio, worth to book your nights in: Hotel Maria del Carmen, Hotel Gutierrez, and el Pelicano.

Right now, you can own a condo in Mayan Riviera, use it as home-base and explore parts of Yucatan Peninsula such as Celestun. The best thing is this condominium can be rented out as a vacation spot and generate income to off-set your mortgage payments. Condo hotel Mexico investment opportunity 8% Discount on the asking price. Condo hotel Mexico investment opportunity

Tomek W. Copyright

How To Choose A Reasonable Florida Mortgage Loan

How to choose a reasonable Florida mortgage loan

If you are looking for a Florida mortgage loan, you will find that not only are there numerous lenders that will provide you with the loan, there are also many financial institutions that work both as mortgage brokers and lenders.

So before you actually get yourself a Florida mortgage loan, it is better for you to find out if any broker is involved with the mortgage company. If there is a broker working with the company, find out how much compensation is awarded to the broker so that you can make calculations and compare the different fees and interests of the various mortgage brokers in Florida.

Reliable lenders quote the best terms for your loan

There has been a recent growth in the Florida mortgage loan field because of low interest rates and the rise in the number of people shifting to Florida. However this does not imply that you approach the first Florida mortgage loan company you find to get your loan. You have to approach only the reliable lenders, like www.vuemortgageloan.com to get the best terms for your loan.

Approach these companies for their quote for the Florida mortgage loan. You can do this either through the internet or by contacting them over the phone or personally. It is basically better to do it via the internet as it is faster and requires less effort from your side. All you have to do is to make a few clicks on the internet, fill out a few forms and you will receive a few Florida mortgage loan quotes in a matter of minutes.

Lowest interest rates may not mean the best Florida mortgage loan

However, it is not always that the lender offering the lowest interest rates to be the best lender for your Florida mortgage loan. In fact, sometimes these companies may quote low interest rates, only to add some other fees and charges to your Florida mortgage loan like application and service fees.

This means that besides the interest rate of the Florida mortgage loan, you have to consider the extent of underwriting, mortgage brokerage or loan origination fees the Florida mortgage loan company charges. Also find out the costs related to transaction settlements, closing costs and other costs related to the Florida mortgage loan before deciding on the best lender.

Once you consider all these additional costs, and the interest rates of various Florida mortgage loan lenders, you will be able to choose the best lender and loan that fits your budget and requirements.

Hiring Continues In The Middle East Wealth Management Bonanza

Despite chilly global credit markets, the Middle Eastern wealth management arena is a recruitment hotspot. Firms are busily hiring senior executives to spearhead new wealth management teams. For example, Merrill Lynch recently appointed Mazin Al-Shakarchi as a financial advisor covering Qatar from the Bahrain office. HSBC Bank Middle East has appointed Walid Boustany to the role of executive director, strategic investments, Middle East & North Africa. He will be responsible for HSBC’s strategic planning across the region. Goldman Sachs, the US investment bank, has appointed Fadi Abuali as co-head of its Middle East private wealth management business, alongside current head Farid Pasha.

And there is more: the Central Bank of Bahrain has approved Douglas Hansen-Luke as Robeco’s new chief executive for the Middle East. Mr Hansen-Luke formerly worked in senior positions for ABN Amro Asset Management in Asia, Europe and Saudi Arabia. Bahrain-based Ithmaar Bank has appointed Shaikh Salman bin Ahmad Al Khalifa as managing director, group business development.

The rash of appointments seen in recent years will continue, barring an unlikely collapse in demand for wealth management, Professor Amin Rajan, chief executive of Create-Research, a UK consultancy on the investment management industry, told WealthBriefing.

Wealth managers are going into the Middle East in a big way, said Professor Rajan. This is a high-margin business to be in as banks get fees right along the value chain, he said. But although the region is lucrative, making money is not easy. Local investors typically punish poor investment performance quickly – often far faster than is the case with European or US clients, said Professor Rajan.

The real issue is to understand the client mindset. Client money [in the Middle East] isn’t sticky at all. When performance is bad they ask for a rebate, which is how it should be. If [wealth managers] can survive in the Middle East, they can survive anywhere, he added.

Barclays Wealth, for example, has every intention of doing more than just survive in the region. As an illustration of its ambitions, Barclays is moving into a new 14,000 square feet office in the Dubai International Financial Centre, which will be a hub for the firm’s operations in the region. Operating currently in Dubai and Abu Dhabi, Barclays Wealth is also planning to make its Doha Qatar office operational this year.

Barclays Wealth leadership believes that the Middle East is a core area of growth. A substantial investment in human resources and capabilities and a rigorous expansion plan will lead to a substantial increase in the scope of operations, Soha Nashaat, managing director, head of Middle East, North Africa & Turkey for Barclays Wealth, told WealthBriefing.
Like Professor Rajan, Ms Nashaat says wealth management firms entering the Middle East from outside the region must understand the local culture if they are to make a success of their business. For example, more than 70 per cent of businesses are family-owned, which requires managers to forge long-term connections.

Wealth managers must understand and cater to the regional trends such as the dominance of family offices, Ms Nashaat said. Investors tend to be intolerant of risk and hold a high proportion of assets in cash and in offshore locations, she added.

Middle Eastern clients put great stress on strong relationships with investment advisors and dislike high turnover in staff, a factor that wealth managers must consider in their staff recruitment and retention plans, Stuart Crocker, chief executive, Emirates Platform and Southern Gulf States, HSBC Private Bank told WealthBriefing.

People don’t like seeing relationship managers moving on every two or three years to other banks, he said. His own bank, part of the HSBC banking group, serves clients both from local Middle Eastern locations as well as from its teams of specialists in Geneva.

The general background for wealth managers is certainly favourable. The investable assets of HNW individuals will rise by 50 per cent between 2006 and 2010, according to Barclays Wealth data.

The number of HNW individuals rose by 11.9 per cent in 2006 from a year before, according to the latest Merrill Lynch/Capgemini World Wealth Report issued last June. Wealth management intermediaries have only started to manage a significant share of assets in the region. Research from Zurich International Life, for example, reveals that expats living in the Middle East prefer to rely on their own judgment or friends and family when purchasing financial products. The survey showed that fewer than one in ten expats would enlist a financial advisor, either in their country of domicile or residence, to help them make the financial decisions. Financial advisors have a vast untapped market to go for.

While researchers like PricewaterhouseCoopers have warned that wealth management firms face a skills bottleneck, hiring staff for Middle Eastern slots is being helped by a benign tax regime and attractive pay packages.

Private bankers in tax-free Dubai earn 25 per cent more than their peers in Geneva and almost 40 per cent more than colleagues in London, according to a recent survey by Dubai-based headhunter Dunn Consultancy FZ-LLC.

Excluding bonuses, private bankers in Dubai with at least 10 years experience receive an average salary of $276,500 with allowances, compared with pre-tax earnings of $221,900 in Geneva and $199,100 in London, it found.

The economics of wealth management in the Middle East certainly look compelling. For the time being at least, the toughest challenge for players in the region is keeping up with the pace.

Disadvantage Of Condominiums, Advantage To Houses

There are a number of new houses for sale Philippines today that allows more Filipinos the freedom to choose which type of house best suits their needs. Most of these new types of houses are found in housing communities mostly owned by big corporations. However, though the number of new houses available across the Philippines, particularly in Metro Manila and neighboring provinces, have grown significantly, it is still not as popular as other types of housing, such as condominiums.

Condominiums are considered in the Philippines today as the most popular type of housing. Part of what made these new types of housing popular and in-demand across the country is because of a number of benefits that other types of housing, such as houses, lack. One of which is location. However, the reason why houses have continually grown in a market dominated by condominiums is because these types of housing do have its own advantages that condominiums, or any other types of housing, lacks.

Disadvantage of condominiums, advantage to houses Although condominiums are the most advantageous type of housing in the Philippines, there are still a number of reasons why these new houses for sale Philippines are still popular. One of which is that condominiums are too expensive for the common Filipinos.

According to many Filipinos and experts, those condominiums are mostly only for the wealthy, particularly those condominiums found in areas around business and commercial districts. Many have even said that the cost of a single unit in these condominiums is enough to buy a two-story house in Caloocan City or in major parts of Quezon City.

Although there are new condominium units which are far cheaper than those types of condominiums, there are still a number of reasons why these new houses for sale Philippines are still in-demand for many Filipinos. One is that the price range of these cheaper condominiums is similar to these new houses. However, these houses offer more space compared to these cheaper condominiums.

Similar to amenities Another reason why these new houses became popular is that a number of housing communities around Metro Manila is known to provide the same type of amenities that condominium complexes became popular with, such as swimming pools, parks, and playgrounds. The advantage of these housing communities, however, is its affordability compared to condominium complexes.For more information visit to our site at http://www.atayala.com

Florida’s New Laws Spell Significant Change for the Real Estate World

July 1st was a pretty big day for Florida – over 150 different new laws were put into effect, many of which will have a significant impact on those who own and rent homes not only in the metropolitan Jacksonville area, but all across the state.

Here are a few of the major highlights of these laws and what they might mean to you:

According to new Florida Law HB77, there are new provisions that make it easier for landlords to evict tenants who only make partial payments on their rent. Now, when a tenant makes a partial payment, they only have a matter of DAYS to pay the remaining balance before eviction proceedings can begin.

According to this same law (Florida Law HB77) there is a new two strikes and your out policy. This means that if a tenant breaks rules of their lease (like parking violations or having unauthorized pets) two times in ONE year, they can be evicted.

Not all of the laws were negative, though. One law, Florida Law SB342, eases homestead exemptions for those who have a homestead exemption but need to rent their homes temporarily. This does NOT allow for long-term leases or rentals, but can protect some homeowners who find themselves in temporary binds (up to one month of rentals per year.)

Another Florida Law HB87 also makes some significant changes to the foreclosure process here in Florida, where we have the highest number of foreclosures in the nation. This will do a number of things, including placing a greater burden of proof on lenders when it comes to tracking and maintaining the ownership and default status. It also drops the statute of limitations for banks to go after foreclosed owners and judgments from five years down to one year.

What kind of difference will these laws have on you and your home? Does this introduce any new obstacles to your retirement plans? Or, perhaps this opens up a few opportunities. Regardless of whether these changes bring about good or bad tidings, it’s certainly time to take a careful look at your own particular real estate circumstances to see if adjustments need to be made.

If you’re not sure, that’s a fairly safe indicator that it might be time to seek a little advice from the professionals. Consult with a local real estate lawyer, real estate agency or property management firm to find out how this could affect you and your greatest investments.

Plans For Building Your Dream Boat

If you are considering constructing a wood boat from hand, good wooden boat plans will be crucial to the success of your project. Although there are many cost-free and paid boat plans available online and in stores, many of these plans could have little documentation backing them up to prove that they can produce a safe and water tight craft. Before you waste precious time, energy and cash on building a boat from insufficient plans, you must evaluate the wooden boat plans you are taking into consideration utilizing answers to the following questions:

Who created the plans?
If the plans are from an anonymous source, or from a person that you know little or nothing about their boat constructing experience, it may be best to steer clear of the plans. To be sure that the plans you are using are worthwhile, they must have been created by someone with experience in boat building.

Possess the plans been tested?
Just because a plan looks excellent on paper does not mean that it could truly construct a boat that can float. Preferably, you should look for designs that have many recommendations from individuals who have constructed fishing boats successfully from the plans.

Are the plans reasonably priced?
There are many various boat plan deals available online and in bookstores, and most are quite reasonably priced. You do not need to enroll in a boat building program or pay thousands, or even hundreds, of bucks for reliable, easy to follow plans to construct a wooden boat.

Are the plans adequate for your skill level?
Watercraft plans for experts can have little more than the plans themselves, but if you are a novice or amateur boat constructor you will likely benefit from step-by-step guidelines accompanying the plans you are preparing to use. Beginning and amateur boat builders may have the best success with beginners plans for building a boat.

Is there enough variation in the boat plan designs?
If you choose to acquire your plans online or in book form, you must look for boat plan packages that have a wide selection in the kinds of boat plans they supply and within every category of watercraft as well. The more choice you have, the more likely you could find a boat that you seriously wish to construct.

By finding expertly created, yet affordable plans for your ability level that have been adequately tested by various boat builders, you should be capable to build a lovely boat at home very easily and successfully.

Purchase Bike With Unemployed Loan Fly In The Sky With Your Bike

To buy a new motorbike is to invest amount in a great way. When it comes to unemployed people then it becomes more difficult to fulfill their dream of purchasing such a big item. Purchase Bike with Unemployed Loan can be compared to pay money for a property like a house, a car or even antiques as it costs high; even to spell as much as tens of thousands of pounds. Every passing year, the value of such things is increasing. To pay for a motorcycle is definitely a serious dealing. One has to pay out a large amount of money to be able for buying an excellence, heavy-duty and good looking bike. To maintain a motorcycle and keeping it in good form that is a monthly necessity, can also take quite a substantial cash of your budget.

If you are badly in need of some amount of financial assistance whether it is for bike or for any other purpose, you are recommended to consider for applying for unemployed loans. These loans are hassle free due to its several advantages. To avail the loan you have no need to pledge your valuable asset as collateral against the loan amount as there is no call for collateral for the reason that these are unsecured loan in nature. It means you can obtain the loans without taking any risk. As there is no collateral pledging process so all kind of applicants such as tenants or non homeowners can also take the advantages of the loans.

You can acquire cash by filling out a simple online application form with all requisite details like your name, address, bank account number, contact number, e-mail ID and some other vital information. As soon as your loan application is verified by lending company, your desired amount will be transferred into your bank account on the same day of applying. You can apply for the loan only if you are 18 or above of the age, you have an active checking bank account minimum 18 of the age and you are the citizen of UK. If you qualify the criteria, you can apply for unemployed loans.

For Sale by Owner Real Estate – What it Means

For Sale By Owner limit , which is abbreviated as FSBO , yranekilnojamojo estate term that describes the environment, kuriojenekilnojamasis property is offered for sale directly by its owner, in addition to the owner of the light to consult with a real estate broker for assistance , which means that no real estate commission is related to the sale.

In recent years, this concept has been widely used to describe the process of marketing , buying and selling real estate without a real estate broker representation .

FSBO trends in the U.S. and Canada

Sellers who want to sell a FSBO much to do to avoid paying a commission to a broker, which is typically 6 % of the selling prices in many areas of the U.S. property. However, the commission can range from 5% to 7% in different markets across the United States as well as Canada.

According to a recent survey by the National Association of Realtors ( NAR ) , 12% of 2006 U.S. real estate transactions were done through FSBO and 13% of 2005 U.S. real estate transactions took place in a FSBO , which fell from 14% 2004th

Some FSBOs who are willing to pay a reduced fee may conclude an agreement with a broker to list your turtamakleriu ” local Multiple Listing Service for a flat fee. This may be one of the fastest growing segments of the real estate sector. According to the Canadian Real Estate Association , which claims that 75 % to 80 % of homes in Canada were sold through brokers , it would appear that the ” for sale by owner ” share of approximately 20 % or 25% of the rest of the sale .

How to Do a FSBO

Pradejuspardavimui owner without representation is not that difficult, jeirinka moving inventory quickly and snapped when it becomes available for sale . However, most FSBOs , finding buyers typically yraiukis . According to the National Association of Realtors, sales of most owners end up listing with a Realtor , in part because most buyers are represented by an agent . Other reasons are because the owners who sell themselves do not experience priced homes for sale and lack of marketing knowledge . Sell ??home without help of the mediator , try these helpful tips:

– Prices are a home to sell dalisnuojauta , research and market timing . You can not always depend on the agent’s assessment of the value , because sometimes the medications take expensive listings just to lure your business from competitors.

– Hold an open house, and remember that in many areas , Saturday is just as popular as Sundays. Also, get a good photographer services to shoot a virtual tour of your home, and advertise the virtual tour link to your affiliate marketing site.

– Marketing your home should be focused on increasing the traffic to your home. Avoid marketing mistakes by being flexible sessions , incentives to customers and getting feedback from customers or opinion.

Alvin Steinberg has been Real Estate since 1972 and carries a CRS (Certified Residential Specialist ) in both California and Nevada. Alvin and his team are dedicated to providing you with professional service whether you are buying or selling real estate in beautiful Lake Tahoe .

Affordable and reasonable flats for sale in Zirakpur. Contact us and get the best deals.

Mortgage Comparison – Why Don’t I Go Straight To A Mortgage Advisor

When you are looking for a mortgage it always pays to compare the market and see what is on offer, otherwise you could be missing out on a great deal.

There are different ways in which you could compare mortgages such as speaking to lenders or visiting their websites individually and comparing what is on offer. Or you could save yourself time by going to mortgage comparison website and using one of their mortgage comparison tools.

Using a mortgage comparison tool couldn’t be simpler, you input your information into the online form and then see what mortgages fit your circumstances, and then compare them side by side, all in one place. Then once you have found a mortgage that you think could be suitable for you just click through to the lenders website and begin the application process.

Why use a mortgage comparison tool?
If you want information at your fingertips that is constantly being updated and straight from the lenders, why waste time visiting different websites, or spend hours talking to lenders on the telephone when you can straight to mortgage comparison website?

Using a mortgage comparison tool is the best way to get all the information you need on mortgages without spending hours searching for different mortgages.

Why do different people tell me to have a different mortgage?
When you speak to an advisor in a bank or building society you should always remember two important things. Firstly, they can only offer you their own mortgage products which don’t necessarily meet your own specific needs. Secondly and most importantly they will try to sell you one of their mortgages, as that’s what the advisor is there to do. He certainly is not going to tell you the lender next door has a better more mortgage for you now are they?

Preparation Preparation Preparation.
This most important thing that you can do is compare your mortgage options. By using a mortgage comparison website the worst you can do is increase your knowledge of the mortgages out there, which is never a bad thing. At best you can save you sell time and best of all money.

Mortgage advice
Perhaps eventually you will want to speak to a fully qualified mortgage advisor about mortgages, if so when you do you will have some knowledge of what type of mortgage you are looking for. Many advisors now offer a fee free mortgage advisory service that has no obligation and is totally independent. Mortgagee comparison websites give you the opportunity to find out for yourself just how much help you need in finding the best mortgage for your needs.

Weekend Loans Successfully Accomplish Excess Payments At The Weekend

What is weekend? Weekend is holiday and on that day people enjoy holidays. Therefore, to borrow money at weekend is not possible every place of lending, since a large number of banks are closed at weekend. But emergencies can not be deferred till Monday as you need money urgent. Weekend loans are right way to make money anytime when you need it most. You are required to do is to submit an application on any website of these loans and the finance is transferred directly into your account in a matter of few hours.

For what financial purposes, weekend loans offer funds to borrowers. You can avail these loans for any short term purposes such as paying off medical or hospital bills, sudden repairing of car expenses, unexpected shopping, traveling expenses, attending party, unexpected purchasing domestic appliance, bank overdrafts, credit card payments and so forth.

Weekend loans are short term financial facilities in which you can apply for an amount ranging from 100 to 1000 for repayment period of your upcoming payday. Other than, you have to repay the fund within a time period of 14 to 31 days. There is no collateral required and so there is a drawback feature that is a bit high rate of interest. Nevertheless, you dont need to get worried about it. You can easily derive affordable rate of interest with the desired funds by making a systematic research for competitive lender in cut-throat online loan arena.

To get the effectively approval without giving security, you are suggested to follow some certain norms such as you need to be a permanent citizen of UK, you are 18 years old of age or more, you must have a valid active checking account for three months old, you are required to have a regular job in any company and you are getting salary more than 1000 per month. After that you can access weekend loans regardless of your poor credit scores.

Even though your needs are unavoidable and so you dont want to go to the lending agency where you have to finish prolonged formalities physically. Right now you are required to do is to complete a simple online application form with the required details and submit it. After confirming your given details, the fund is transferred directly into your active bank account in a day of application. This mode avoids you from faxing documents, lengthy paperwork, paying fees etc.