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daniellepmoses · 6 years ago

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And obviously I’m a first time buyer in Malta

Numerous individuals think about the choice to buy property – one of the greatest choices one will make.

http://www.w2home.com/important-tips-for-first-time-home-buyers/

This is not really astonishing when you consider the duties that accompany this choice. One should know about the way toward obtaining a property, the costs and charges included, and what techniques would streamline their purchasing procedure – significantly more so when it’s the situation when a first-time purchaser is acquiring a property.

Affirm Your Budget

It is vital to have a financial plan at the top of the priority list before looking for first properties in Malta or Gozo. A few people have obtained assets with the end goal to back their buy. If so, the bank can give you a sign of your acquiring limit dependent on your pay, considering in different costs you may as of now be focused on. Keep in mind this is just a sign so make certain to look for properties evaluated beneath this figure. Ask your specific first-time purchaser specialist to demonstrate you properties underneath or more with space to consult to your limit. It might be judicious to deduct expenses of different things, for example, decorations, public accountant charges, etc with the goal that you have a more exact figure. It is prescribed that you visit your nearby bank and affirm the sum the bank will have the capacity to get you. In the event that you are purchasing a property with your accomplice, you will be in a situation to consolidate the joint pay. Read this page for more points of interest on home credits in Malta.

Property Needs, Wish List and Searching

When you have a financial plan as a primary concern, you can begin chasing for a property. To streamline things, we would recommend you make a rundown of necessities and a list of things to get and pursue that up by going on the web and scanning for your base prerequisites. You will in the long run thin this down to properties you’d jump at the chance to see. The subsequent stage is contact the RE/MAX Malta land operator and timetable viewings for the equivalent or following day. A few people select to work with a land operator for the straightforward reason that this planning is attempted by them. Beside this, a land specialist will go with you on your visit to the properties and will have the market information when the time comes to wheeling and dealing the cost or arranging an explicit terms.

Ensure you check the properties you like and expel the ones that didn’t live up to your desires. Guarantee you completely investigate the property – any deformities or absence of support may enable you to consult in property cost. En route, you will begin to comprehend what sort of property you may accomplish in buying and may begin including those things from your list of things to get to your pursuit. You will begin asking your self inquiries like “Consider the possibility that I were to buy a property with warmed floors. Would it use up every last cent? This situation will be an experimentation until the point when you discover the bargain between your requirements and needs. It is affirmed through an ongoing Real Estate Insights report in 2015 that purchasers go up against normal of four months to discover their property so in the event that you fall inside this class you will have discovered your first property in Malta before you know it.

Marking your First Promise of Sale

When you have discovered your optimal property, you can make an offer. Check how much comparable properties are moving for in the zone before proposing a cost. Should the merchant concur, recall that the assention is – up until this point – verbal, and regardless of being given in accordance with some basic honesty, it is hesitant. When you have conceded to a value, a date is set for marking of the Promise of Sale (“Konvenju�?).

Drafted up by a public accountant, this is an agreement between the purchaser and dealer where a few terms and conditions are spread out in composing. The agreement might be liable to a few conditions; for instance, the dealer may need to conclude certain subtle elements or occupations in connection to the property; as the buyer, you may wish to have the property assessed by a draftsman for any auxiliary deformities and may just buy the property should it be of sound structure. Different conditions could be identified with the allow of the property or that you really figure out how to anchor financing for the property. In just certain cases may a guarantee of offer be broadened given that the two gatherings concur.

The agreement would likewise incorporate a date for marking of Final Deed, and such date would fill in as a due date for the two gatherings. With the end goal of the Promise of Sale, the legal official speaks to the administration and is unbiased between the two gatherings. When the Promise of Sale has been marked, you will be requested to pay a store (generally 10%) to the dealer, and a further 1% temporary stamp obligation to the public accountant. A duplicate of the agreement is then given to both you and the merchant. The legal official would then need a further a month and a half to do looks on the property – checking the legitimate title, guaranteeing there are no credits taken against said property, and that the merchant can move the property.

Marking the Contract

Should every one of the conditions written in the Promise of Sale be fulfilled, the gatherings at that point meet to sign the Final Deed. This would be perused out by the legal official and again marked by the two gatherings. At this stage, you should pay every single pending equalization – including the rest of the parity on the property, the rest of the parity on stamp obligation (by and by just 5% above EUR 150, 000 up until end of Dec 2016) and 1% charges to the Notary Public. The agreement is then enrolled at the Public library, and the keys to the property are given over to you – a pleased mortgage holder. Your next cerebral pain is moving all your own things to your home!

The procedure of property-chasing may take anything from multi week to a while, and is subject to your earnestness to discover a property. Should you be in a rush, or are preparing of time it is imperative to tolerate as a main priority that property hunts and marking of agreements take a normal of three to a half year’. Don’t hesitate to get in touch with us so we can be a piece of your arranging procedure.

Why Choose RE/MAX for Your First Property

At RE/MAX Malta, the first run through purchaser showcase is only one of the land advertises that we have concentrated land operators working with clients regularly. Our know-how of the market, complete database of properties and reach of twenty-two workplaces and more than 250 home specialists situated around the Malta and Gozo will without a doubt be a resource for your property seek.

Every office of our own has various completely qualified first-time purchaser deals partners accessible to take care of your call. You will find that our partners are exceptionally proficient and won’t squander your time. We are glad to state that we do our most extreme to tune in to your each demand and set aside the opportunity to manage you through the procedure. Our partners are likewise helped by best in class innovation which cautions them explicit properties come accessible on our database that coordinate your hunt criteria.

You may locate our week by week refreshed rundown of properties for First time purchasers helpful or you may get a kick out of the chance to get property refresh messages of properties that get through our database that coordinate your criteria. In the event that you have a shot, we likewise make them intrigue articles that depict the genuine encounter of first time purchasers in Malta on our blog.

from Jane Cycling Blog https://janecycling.wordpress.com/2018/12/04/and-obviously-im-a-first-time-buyer-in-malta/ from Jane Cycling Blog https://ift.tt/2Qb72Vv

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daniellepmoses · 6 years ago

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Should I really own a home in Malta?

Don’t really know how to feel about this one…

http://homebna.com/importance-of-owning-your-own-house/

General Procedures

Purchasing a property in Malta is protected and straightforward. When a property has been settled on and cost and conditions have been concurred, a convenium/starter understanding is marked between the merchant and buyer. This assention ties the two gatherings to buy/move the unfaltering property under the terms and conditions settled upon.

The marking of the last deed is, nonetheless, constantly subject to clear title and the issue of any relative licenses to buy, if important. The understandings and contracts are written in English. On consenting to the primer arrangement, an entirety comparable to 10% of the cost is stopped with the operator or legal official open. This store will be relinquished for the merchant should the buyer neglect to finish the last deed of exchange for no legitimate lawful reason.

The assention is normally legitimate for three months (term endorsed by law) or as commonly concurred by the gatherings. Amid the period between the consenting to of the fundamental arrangement and the marking of the last deed of offer, a Notary Public connected by the buyer will do the essential examines into the property to affirm great title, and in addition present the application for an allow to buy, to the Ministry of Finance, if such allow is important.

When the relative allow has been issued and examines have demonstrated clear title to the property, the last contract of offer might be gone into – the deed of offer being drawn by buyer’s Notary. The equalization of the price tag and Stamp Duty in addition to lawful costs are paid on the marking of the agreement when empty ownership to the property is given to the buyer.

Costs

Costs identified with the securing of property include:

5% stamp obligation (at present 2% for Gozo until end 2018)

1% to 3% notarial expense (inexact)

€600 hunts and enlistment charges (rough)

€233 AIP allow expense (where appropriate)

These expenses are the obligation of the buyer, while office charges are borne by the seller.

Conditions for Buying a Property

Non-inhabitants may unreservedly buy property in Malta, subject to acquiring an AIP allow if such allow is important. An AIP allow won’t be required to buy properties in Special Designated Areas and, on account of EU nationals who :

Have been inhabitant in Malta for something like five constant years;

Mean to buy a property which is to fill in as their main living place; or

Who mean to buy a property for venture purposes.

Where one of the mates is an EU national and the other companion is a non-EU native, both can profit by the exclusion illustrated above and gain property without the need of acquiring an AIP allow, gave the securing is being made to fill in as their main living place.

Likewise exempted is the obtaining of ardent property by an EU national for the direct of one’s business action or for the supply of administrations by such individual. In such a case, a revelation mirroring the buyer’s expectation for the securing ought to be embedded in the overall contract of procurement. This additionally applies when the buyer expects to purchase the property as a rental speculation.

Where the buy requires an AIP allow, the property must fulfill a specific least esteem which changes intermittently and which right now remains as pursues: €117,972 for flats and maisonettes and €195,120 for manors, townhouses and other property. These qualities are file connected and therefore might be liable to modification every year.

The property obtained must be utilized exclusively as a habitation by the candidate and his family. This condition will be deferred once the candidate acquires the relative allow to lease the property. (Allude to Letting Your Property)

The previously mentioned people may just claim one property in Malta and Gozo (aside from in uncommon assigned regions where one may buy in excess of one property). When these candidates have bought a property in Malta and wish to secure another in the wake of having sold the first, they may do as such subsequent to acquiring consent from the Ministry of Finance. Applications for authorization to obtain another property are ordinarily positively considered. Authorization will be allowed subject to the main property being sold.

Natives of all European Union part states, who have lived in Malta constantly for a base time of five years whenever going before the date of procurement, may unreservedly get in excess of one unfaltering property without the need of acquiring an allow.

EU subjects, who have NOT dwelled in Malta for no less than five years, yet have the goal of acquiring their main living place i.e. relocate to Malta, don’t require an allow. Nor do they require such an allow to buy unfaltering property required for their business exercises or supply of administrations.

People who are NOT nationals of an European Member State may gain unfaltering property after they get the relative allow (AIP allow) as far as Chapter 246 of the Laws of Malta from the Ministry of Finance except if they secure property situated in a Special Designated Area.

When obtaining a property in a Special Designation Area, no limitations at all apply. Nonnatives (EU and non-EU) may buy any number of units inside such advancements without the requirement for an AIP allow, henceforth such buys are not represented by any of the previously mentioned conditions.

Obtaining of Property by a Group of Persons

An assemblage of people, other than a business organization, set up in and working from an European Union part state may uninhibitedly procure unflinching property that is required for the reason for which it has been set up as long as it is specifically controlled by natives of an European Union part state who have dwelled in Malta persistently for a long time.

A business association set up in and working from an European Union part state (in this manner including Malta) may unreservedly gain unflinching property that is required for the reason for which it has been set up as long thusly organization is controlled by and in any event 75% of its offer capital is held by a man (or people) who is an European Union part state resident and who has lived in Malta consistently for a long time.

Some other assemblage of people will require an allow, which is just conceded if the property is required for a modern or touristic venture or as a supporter of the advancement of the economy of Malta. Consent might be denied for the acquiring of a property, which is viewed as of recorded intrigue.

Home loan offices are accessible for the buy of property from all banks in Malta, subject to status. (Allude to Obtaining bank credits in Malta).

All you have to think about Energy Performance Certificates

Property proprietors must guarantee that when structures are developed, sold or leased, an EPC (Energy Performance Certificate) is appeared to the forthcoming new purchaser or occupant and gave over to the purchaser or new inhabitant on the date of entering the agreement of guarantee of offer or lease assention.

An EPC is a necessity of the EU Directive, in particular the Energy Performance of Buildings Directive (EPBD) and Maltese Law, explicitly the Energy Performance of Buildings Regulations (EPBR) of 2012 (LN376/2012).

The Energy Performance Certificates educate potential purchasers about the vitality execution of a building unit and gives suggestions for savvy enhancement to a superior vitality effectiveness class. An EPC rates the home’s execution as far as vitality and it is like the vitality name on electrical machines.

An EPC is completed by an Energy Performance of Buildings (EPB) assessor who is enlisted with the Building Regulation Office (BRO) which is the workplace in charge of the execution of the EPBD in Malta.

The EPB assessor investigates the property and surveys the building. The assessor at that point ascertains the vitality utilize rating of the building and issues an enlisted EPC. A rundown of enlisted assessors is accessible on http://www.epc.gov.mt. The BRO charges a €75 enrollment expense for each declaration enlistment. There is no set charge for an EPC all things considered up to the assessor to set the cost.

An EPC is legitimate for a long time from the date it is issued. The equivalent EPC still holds if the property is put available inside those 10 years gave there are no generous changes to the building which could influence its vitality execution.

An EPC surveys the geometry, development and completing material of the building, for example, twofold/triple coating, ventilation, protection and shading components. It likewise considers lighting, boiling water frameworks, cooling and sustainable power source frameworks like, for instance, PV boards.

The assessor at that point continues to give suggestions for a vitality effective building. Proposals are worked out explicitly for each building and authoritatively given to the building proprietor in the endorsement. The proprietor isn’t, in any case, obliged to execute any of the proposals set out by the assessor.

A proprietor who neglects to deliver the EPC to the BRO, when asked for to do as such, may cause a fine extending from €500 to €5,000.

from Jane Cycling Blog https://janecycling.wordpress.com/2018/12/03/should-i-really-own-a-home-in-malta/ from Jane Cycling Blog https://ift.tt/2DVtHOp

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daniellepmoses · 6 years ago

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Top climbs in Europe 2 of 7 – Alpe d’Huez

Alpe d’Huez hardly needs an introduction. Ever since Fausto Coppi won the first Tour de France stage to finish at the summit in 1952, the climb’s name has been on the lips of everyone, who has fallen in love with cycling. It propelled the sport into a new, modern era and instantly achieved legendary status.

https://www.cyclinglocations.com/alpe-dhuez-climb-alps/

About Cycling in Alpe d’Huez and the Alps

For data on individual schedules see our cycling courses.

Cycling in Alpe d’Huez and in the Alps when all is said in done, is substantially more requesting than your most loved nearby course back home. The streets around Alpe d’Huez might be the setting for the absolute most difficult areas of the Tour de France yet they can be handled by fans and experts.

Cycling in Alpe d’Huez and France

To pick up the most from your riding in the territory it’s a given you need a sensible dimension of wellness. You don’t should be a super man or lady yet the capacity to ride serenely for up to 3-4 hours in the UK should see you appreciate the mountain courses.

Before you set off you ought to likewise ensure that your bicycle is in great working request. Basically from a productivity perspective a bicycle in great condition that is very much greased up will decrease grinding among parts and can diminish the trouble of a move by what might be compared to 1% slant. Check the chain, derailleur, brakes, wheel mountings and tire weight before you set off. In case of finding an issue with your bicycle there are shops around the local area with experienced mechanics who can supply and fit any fundamental segments you may require yet a large portion of the shops are adapted towards mountain-bikers, if your bicycle is very master you ought to bring any basic parts you may require.

Once out and about set off gradually. The trips in the Alps are longer and the summits higher than nearly anything in the UK and the more slender air and heating summer sun will make the ascension more troublesome than what you may be utilized to.

The plummets are super quick in spots and can be uneven because of the winter covering of ice and snow. We exhort alert as it can require some investment to clean your speed off. You will meet approaching vehicles and as often as possible cyclists climbing the other way who may not be tucked into the correct hand side of the street (yes the correct hand side!) as much as they should. Try not to envision you are in the Tour de France with shut streets! Having said that the streets are commonly peaceful and vehicle drivers (the French ones at any rate) will be circumspect as opposed to their British partners.

Lastly – know your course! Despite the fact that signposted and moderately simple to pursue, it would be worth counseling a guide and in the event that not conveying it with you on the ride, at any rate make a few notes as a suggestion to use on your planned course. The Michelin outline LOCAL for Ain Haute Savoie or 333 for Isere/Savoie is the most fitting.

Cycling courses

We have reviewed the cycling courses in Alpe d’Huez on our courses page from Beginner to Advanced however as you will see there likely could be none here that are perfect for tenderfoots. In spite of the fact that the courses are here and there short they are frequently very steep and now and again the more drawn out rides are compliment and less demanding. We have included evaluated times for the consummation of these courses however this will change from individual to individual contingent upon wellness and expertise level.

Make sure to design your course completely in the event that it is your first time out and about and begin moderate, you will need to spare those legs previously the end.

Additionally observe: Cycling Routes in Alpe d’Huez, France

How troublesome is the cycling?

This will in general be subject to capacity and additionally how hard you need to attempt up the trips. On the off chance that you are associate of making the ascensions rapidly, which implies you’ll be moving for up to 60 minutes, at that point you’ll require a 39×27 gear.Most fit club level riders ready to serenely cover 3-4 hours or more in the UK will get by on this apparatus without battling excessively. On the off chance that you realize you’ll take somewhat more, your bicycle should be outfitted with either a smaller triple or twofold chain set. This will guarantee you have low enough riggings to ride serenely at a pace that suits your dimension.

Keep in mind the ascensions may not be that precarious but rather they are long and joined with the warmth and height may show even more a test than you might suspect. Yet, don’t be put off, on the off chance that you’re straightforward about your dimension and utilize the proper riggings, it will be a tiring however pleasurable experience.

Leasing bicycles

On the off chance that you decide not to expedite your bicycle with you your Alpe d’Huez occasion – and with aircrafts charging carriage nowadays for your bicycle and the likelihood of misfortune or harm to your pride and euphoria amid travel, there are valid justifications to leave your bicycle at home. Not to freeze however, on the off chance that you are a sharp cyclist, there are a few first rate rental stores in Alpe d’Huez that will unit you out with the most up to date and best quality bicycles for the length of your vacation.

In the event that you are an easygoing cyclist, these stores will likewise provide food for you, with half day and entire day rental choices accessible. Protective caps are not mandatory but rather are accessible to employ at all of the shops. Alpe d’Huez is bound with amazing cycle courses so you won’t need to battle with an excessive amount of movement to appreciate the exquisite environment – look at our cycle courses for motivation.

NB. The shops can help with mechanical fixes yet their extras range won’t cover a street bicycle in case of breakages. Luckily street bicycles will in general be a more dependable method of transport enduring less breakdowns than MTBs yet it is well worth guaranteeing your bicycle has a full administration before you travel. In the event that you are not mechanically disapproved, your nearby free bicycle shop can do this for you. Specific consideration ought to be paid to your tires and brakes – ensure the two regions are in magnificent condition. It’s constantly worth bringing another extra tire and two or three additional inward cylinders.

Hardware for cycling

Water – One of the most serious issues in the Alps is the warmth. Fit two container enclosures to your bicycle and take 750ml jugs with electrolyte drinks.

Sun Cream – The thin air and sweltering summer sun implies you will consume speedier here than at home

Coat – Although it might be warm in the valley temperatures can drop quickly as you climb, climate can chage rapidly and the quick plunges can chill you off quick.

Tidbits – Energy Bars and gels are a smart thought whether you are arranging multi day on the streets.

Cell Phone – Being ready to contact somebody to lift you up if your chain breaks is useful.

Cash – You may require it in a crisis or only for a lager toward the day’s end.

Fundamental Repair Kit – You can’t settle everything by the side of the street yet not all breakdowns require the day to end.

Cycling inns and camps

A significant number of Alpe d’Huez’s lodgings welcome cyclists and will have the capacity to offer storage spaces and bicycle racks – check before you book.

Flying with your bicycle

A survey of carriers terms and conditions in connection to sports gear stuff shows that almost certainly, you will be exposed to a standard charge for accepting your bicycle. Easyjet; bmibaby; Aer Lingus; and KLM demonstrated that there was a normal extra charge of between £15 (€22.50) and £25 (€36) to take your bicycle, one-way.

Notwithstanding, ensure that the consolidated weight of your gear does not surpass you recompense. In spite of the fact that you may have paid an overabundance for your bicycle its weight might be added to the heaviness of your hold baggage and there can be a punishment for any kg’s over the stipend.

The more regular aircrafts, for example, British Airways and its code share accomplice Swiss carriers allow free transport of bicycles giving they fit inside the free things remittance, and are stuffed in a hard shelled compartment.

Pressing your bicycle for a flight

There are a couple of choices accessible in transporting your bicycle. Hard bicycle encloses will in general cost the area of £300 and like a hard case bag it will limit the danger of harm jumping out at the your bicycle however they are heavier. A delicate bicycle sack is the less expensive choice, costing around £100. While this will furnish your bicycle with somewhat more cushioned assurance it isn’t as dependable as the hard box. On our ongoing excursion from the UK to Geneva, we transported our bicycle in its unique cardboard box, secured the key regions with air pocket wrap and cardboard and it arrived securely and flawless. Most aircrafts stipulate the accompanying:

Bicycles ought to be contained inside a defensive box or suitable bicycle pack;

Just a single bicycle ought to be conveyed per box/pack, and no different things (aside from defensive cushioning) ought to be incorporated inside the container/sack;

Handlebars and pedals must be settled sideways against the casing or evacuated; and

Tires ought to be emptied somewhat to lessen the danger of harm.

On the off chance that you are transporting your bicycle, you ought to likewise look at your movement protection courses of action. A great deal of movement insurance agencies won’t cover your costly trail blazing bicycle without an extra abundance installment, and a ton of aircrafts won’t be considered in charge of any harm supported while the bicycle is in their consideration. Look at your family unit protection strategy to see whether it very well may be secured as ‘substance far from home’. There might be a slight additional charge for this choice, however it’s possibly superior to forking out for another piece of unit, or a shiny new bicycle!!

Top Tip

Notwithstanding bubble wrap, buy some pipe slacking and zip ties from a DIY store to put around the casing of the bicycle for insurance amid transportation. Moreover, in the event that you don’t have your unique cardboard bicycle box, approach your neighborhood bicycle look for one. On the off chance that you have the decision dependably utilize the producer’s crate and your bicycle ought to arrive sheltered and entirety. In any case, it is significant that the most much of the time harmed some portion of a bicycle is the back rigging holder. Evacuate the back rigging component and attach wrap freely to the edge to maintain a strategic distance from this situation. This applies similarly to circle brake rotors if your bicycle sports them. Take them off, similarly pedals, its solitary a five moment work and will counteract you taking part in an unproductive look for a dark part in resort.

Taking your bicycle on the train

Going on vacation to France with your bicycle is quite straight forward, yet similarly as with a considerable measure of things, its better to book ahead of time.

from Jane Cycling Blog https://janecycling.wordpress.com/2018/12/01/top-climbs-in-europe-2-of-7-alpe-dhuez/ from Jane Cycling Blog https://ift.tt/2Pa9juJ

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daniellepmoses · 6 years ago

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Top climbs in Europe 1 of 7 – The Stelvio Pass

The Stelvio Pass, or Passo dello Stelvio in Italian, is one of the few places on earth, which most cyclists dream of. It’s the second highest mountain pass in the Alps at 2758m, only a dozen or so meters lower than Col de l’Iseran (2,770m).

https://www.cyclinglocations.com/stelvio-pass-alps/

from Jane Cycling Blog https://janecycling.wordpress.com/2018/11/30/top-climbs-in-europe-1-of-7-the-stelvio-pass/ from Jane Cycling Blog https://ift.tt/2Q1tnVA

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daniellepmoses · 6 years ago

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If money was not a problem….

http://www.freehomeownerlistings.com/european-get-away-or-permanent-stay-5-locations-in-europe-to-buy-a-home/

Which one of these destinations would you choose?

from Jane Cycling Blog https://janecycling.wordpress.com/2018/11/01/if-money-was-not-a-problem/ from Jane Cycling Blog https://ift.tt/2Pxgf9C

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daniellepmoses · 6 years ago

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Before you rent in Malta read this

This obviously relates to people looking for apartments to stay in, on the various other hand, if you have companies trying to find offices, they do have a spending plan that they can dedicate to residential properties for lease, and they will be greater than satisfied to pay a little even more to be able to get exactly what they want.

Often it is a good idea to paint the residential property, or possibly put in some brand-new carpetings prior to searching for prospective tenants, simply making sure that it looks good. Residence for lease have to not only be functional and also fairy well situated, they additionally need to look suitable.

There is much talk online and offline related to residential or commercial properties for rent. Many people try as well as make money renting out buildings, however the fact is that it is more challenging compared to you believe. The truth is additionally that if you have no idea what you are doing, you will certainly most likely shed a lot of money rather than making it.

Full article at https://article.wn.com/view/2018/06/27/Residence_For_Rent_Just_What_You_Truly_Need_To_Know/

from Jane Cycling Blog https://janecycling.wordpress.com/2018/10/24/before-you-rent-in-malta-read-this/ from Jane Cycling Blog https://ift.tt/2D2z5zK

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daniellepmoses · 6 years ago

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Another one for the bucket list

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from Jane Cycling Blog https://janecycling.wordpress.com/2018/09/19/another-one-for-the-bucket-list/ from Jane Cycling Blog https://ift.tt/2PQNWQa

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daniellepmoses · 6 years ago

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Epic Rides Forever

youtube

from Jane Cycling Blog https://janecycling.wordpress.com/2018/09/18/epic-rides-forever/ from Jane Cycling Blog https://ift.tt/2xiYlgj

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daniellepmoses · 6 years ago

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Properties prices in Malta are becoming too high…some say

Malta has edged out Hong Kong to take the prize for territory or country with the highest residential price gains in the June quarter, according to a Knight Frank LLP Global House Price Index published Friday.

Home prices in the tiny Mediterranean island rose 17 percent in the three months to June from a year earlier, Knight Frank said, citing data from the nation’s central bank. A dearth of supply combined with a robust economy that grew 6.6 percent last year and a buoyant tech industry is pushing up demand. Malta Takes the Crown

Malta surpasses Hong Kong to become world’s fastest-growing property market

Source: Knight Frank LLP

Note: Price growth in the second quarter from a year earlier

Hong Kong, the world’s least-affordable housing market, came in second, with price increases of 16 percent. It’s led the index’s rankings on 10 occasions since 2009 but is expected to cool in coming months as a result of rising interest rates, Knight Frank said. Along with Singapore and New Zealand, the former British colony has seen fresh property market cooling measures introduced over the past three months.

Free Holidays, Rail Passes as Hong Kong Developers Push Sales

“Uncertainties resulting from the trade war and potential mortgage-rate hikes are adding downward pressure on prices” in Hong Kong, Alva To, vice president for greater China at Cushman & Wakefield Plc, said at a media briefing Thursday.

Cushman & Wakefield expects a correction in Hong Kong’s property market in 2019, adding to comments from private-equity firm Gaw Capital Partners to CLSA Ltd. that prices may drop as much as 15 percent.

Rounding out the top five spots are Latvia, Slovenia and Hungary, which all registered double-digit price growth.

At the other end of the spectrum are Ukraine, Peru and Saudi Arabia, where residential prices in the June quarter dropped 4.5 percent, 1.6 percent and 1.3 percent respectively. Knight Frank’s Global House Price Index tracks mainstream residential prices across 57 countries and territories.

https://www.bloomberg.com/news/articles/2018-09-14/malta-beats-out-hong-kong-for-world-s-top-home-price-gains

Well, here is another opinion

from Jane Cycling Blog https://janecycling.wordpress.com/2018/09/17/properties-prices-in-malta-are-becoming-too-high-some-say/ from Jane Cycling Blog https://ift.tt/2xsgQyu

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daniellepmoses · 6 years ago

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Challenges Malta Faces Today

From: https://petetravellife.wordpress.com/

After a recent trip to Malta, a country I used to live in and adore, I was absolutely shocked how much it has actually changed in a very short period of time.

Only 10 years ago, when I first visited this Mediterranean gem of an island, everything seemed so different. I know, this probably makes me sound like a grumpy old man who has reached a point in his life where moaning has become an enjoyable daily activity, but that’s really not the case.

from Jane Cycling Blog https://janecycling.wordpress.com/2018/09/13/challenges-malta-faces-today/ from Jane Cycling Blog https://ift.tt/2Qqqs5e

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daniellepmoses · 6 years ago

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Cyclists concerned about new roundabouts in Malta

The Bicycle Advocacy Group said it is deeply concerned about the safety of the new roundabout designs implemented in Triq L-Mdina, Żebbug.

The roundabouts have been downsized to accommodate two car lanes, and feature a bicycle path on the periphery of these roundabouts. The new bicycle design as being used by Infrastructure Malta is only used in other countries where roundabouts are built in secondary roads and only feature one car lane and slow moving traffic.

Back in July, BAG had already internally expressed its concern to Infrastructure Malta about placing cycle lanes at the bends of high volume roundabouts. The cycle lanes are too narrow and in any case unrealistically require cyclists to take the curving perimeter rather than the most direct route on the roundabout.

By sticking to the cycle lane, cyclists risk being cut up or left-hooked by moving cars, especially when drivers take the 3rd and 4th exits. The cycle lanes also bring cyclists closer to drivers entering/exiting the roundabout, which is where most collisions, involving cyclists, occur.

Full article: http://www.independent.com.mt/articles/2018-09-10/local-news/Cyclists-concerned-about-design-of-new-roundabouts-in-Zebbug-6736196156

from Jane Cycling Blog https://janecycling.wordpress.com/2018/09/13/cyclists-concerned-about-new-roundabouts-in-malta/ from Jane Cycling Blog https://ift.tt/2CQ3NwD

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daniellepmoses · 6 years ago

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Holiday basics you need for your next summer escape

Pack the correct occasion basics in your bag and you&’ll nail each and every one of your late spring outfits without attempting. From the adaptable maxi dress to the “runs with everything” combine of shoes, these mid year occasion basics are all you requirement for case living out of your bag. Happiness!

The maxi dress

Nothing beats a ‘toss and go’ maxi dress when you’re on vacation. Wear alone with wedges for a night supper or, layer with a T-shirt underneath and a couple of coaches for multi day-time look. You could even blend things up by wearing a light sew over the best for your adventure home, and transforming the dress into a skirt.

The great tee

Since what container closet doesn’t have one of these in them? Extraordinary for layering, yet in addition all alone, put somewhat more in quality and this could last you years.

The kimono

You’ll need two of these: the first to wear over your night outfits in the event that it gets nippy.

The cover up

Your second kimono can be your ‘toss over a swimsuit’ furnish at whatever point you’re by the pool or shoreline. Stick to something more straightforward if your night alternative is weaved and luxurious, to separate your daywear from your supper wear.

The straw sack

A sack like this will look similarly as charming with your night maxi as it will with your towel stuffed inside on the shoreline.

The exemplary shades

There’s undeniable value in an extremely incredible match of planner shades, and as long as you pick something immortal, they’ll be justified regardless of the speculation a seemingly endless amount of time.

The announcement jumpsuit

For the most part on vacation you’ll have one ‘unique event’ night, where you go to an extravagant bar, or pick an expensive eatery. Pick one thing of attire that influences you to feel your best and spare it for that night.

The co-ord

An adaptable co-ord like this could spare you such a great amount of room in your bag. Wear together and independently for totally unique looks, and you won’t feel like you’re wearing one thing two times unnecessarily.

The denim shorts

While a staple for daywear, denim shorts can likewise look super cool cooperated with a few wedges, a tee and layered accessories for a dressed-down night look.

An ‘amazing’ swimsuit

You’re on vacation! It’s an opportunity to carry on with your best life in the most stunning swimwear conceivable. Pick the ornaments, pick the unsettles and live for the prints. You’ll be back in your office wear in the blink of an eye.

The wedges

It is safe to say that you are even on vacation in case you’re not wearing wedges?

The wrap dress

In case you’re out throughout the day and night and need a simple piece that will help you through, the enclose dress stops by such huge numbers of prints and hues this season. From H&M’s reasonable rendition, to Rixo’s desire commendable dresses, you can’t turn out badly with one of these.

The botanical skirt

Charming over your dark bathing suit amid the day, even cuter with your wedges and tee at night, a simple ‘toss on’ piece when you can’t choose.

The sun cap

Secure that face, individuals! You should look snappy while doing it.

The handkerchief

Tie it around your hair, tie it around your cap, tie it around your sack, or even your belt clasp. This little bit of material can light up any of your vacation looks and is SO adaptable.

The larger than average shirt

You may think anything since a long time ago sleeved is a no-go, yet a shirt could be immaculate to keep you concealed amid the night chill. It likewise looks extraordinary tied around the abdomen, or fixed over denim shorts.

The night pack

For the nights when your day pack is excessively sandy to take to an eatery, switch things up with a littler, fancier choice.

from Jane Cycling Blog https://janecycling.wordpress.com/2018/08/29/holiday-basics-you-need-for-your-next-summer-escape/ from Jane Cycling Blog https://ift.tt/2wq0IgY

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daniellepmoses · 6 years ago

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Let’s talk about “The Rules”

The Velominati Rules that is, for all of you out there who have no idea about cycling and the often pedantic ways of MAMILs.

I saw an article yesterday about a few ‘rules’ that are kind of obsolete and wanted to give my 2cents.

Rule #7

Tan lines should be cultivated and kept razor sharp.

I’m yet to see a female cyclist who agrees with this one.

Rule #9

If you are out riding in bad weather, it means you are a badass. Period.

One word – Zwift!

Rule #11

Family does not come first. The bike does.

Is there anything better than a family ride? Family first, bike second.

Rule #14

Shorts should be black.

Nope! Shorts can be whatever colour.

Rule #17

Team kit is for members of the team.

Then we all complain cycling teams don’t make enough money…

Rule #22

Cycling caps are for cycling.

In the post-TDF party of Team Sky this year one of the key team members was wearing a cycling cap in the disco. Rule gone to bits.

Rule #29

No European Posterior Man-Satchels.

Saddle bags are useful. Bikepacking anyone?

Rule #45

Slam your stem.

My back takes priority here.

Rule #50

Facial hair is to be carefully regulated.

I do love a man with a beard, thank you very much!

Rule #90

Never Get Out of the Big Ring.

Let’s just presume this one is just a joke.

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Well, these are my picks. Love to hear what you think

from Jane Cycling Blog https://janecycling.wordpress.com/2018/07/31/lets-talk-about-the-rules/ from Jane Cycling Blog https://ift.tt/2ArfKrr

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daniellepmoses · 6 years ago

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Sarzeau – Stage 4 Finish, TDF 2018

Will wine return to Sarzeau?

In 2017, the town of Sarzeau launched a call for applications to revive viticulture, which was once a major agricultural production of the city and the Gulf of Rhuys. The municipality purchased 10 hectares of farmland to kickstart the activity, hoping to start producing wine in five years. Wine production, flourishing until the phylloxera crisis and the prohibition of the local grape, the noah, had ceased completely in 1993. The mayor of Sarzeau, David Lappartient, intends to revive it. After all, Saint Émilion was born in nearby Vannes!

SARZEAU AND CYCLING

The Tour de France regularly visited Brittany in all its variants but has never held the finish of one of its stages in the Gulf of Morbihan. It will be the case in Sarzeau where the passion for cycling is still a little higher than elsewhere in the region, the mayor of the town being David Lappartient. The new president of the International Cycling Union was born in Pontivy, like Paul Le Drogo, winner of a stage of the 1929 Tour de France, who died in Sarzeau in 1966. After his career, and three participations in the Tour, Paul Le Drogo directed was Louison and Jean Bobet’s sports director in the Stella-Wolber-Dunlop team before taking the reins of the selection of the West on the Tour de France. His brother Ferdinand won a stage of the Tour in 1927, when he was also champion of France. Closer to us, triathlete Pierre Le Corre, who participated in the Rio Games in 2016, is also from Sarzeau. The local cycling club, Vélo Sport de Rhuys, is one of the oldest and largest clubs in Morbihan. Created in 1951, it has nearly 200 licensees and is involved in all major events related to cycling in the region (Grand Prix Plumelec, Tour de Rhuys, BMX French championships …). David Lappartient was its president until 2007.

SIGHTS

The Gulf of Morbihan The Gulf of Morbihan gave its name to the department: Mor-Bihan means “small sea” in Breton. Extended by the Bay of Quiberon, this emblematic place of South Brittany belongs to the club “of The most beautiful bays in the world”, as well as Ha Long Bay in Vietnam and the San Francisco bay in the United States. The Gulf offers a unique spectacle where land and sea mingle in changing landscapes over some 11,500 ha. A veritable inland sea sheltered from the ocean, it is dotted with numerous islands: Arz, Gavrinis, Berder, and innumerable islets. According to a legend, there are as many islands as there are days in the year. In reality, some 40 islands can be spotted, 30 of which are inhabited. The largest of them, Ile Aux Moines (The Monks island) is known as “the pearl of the Gulf”. It is exceptional by its original shape, its flowery streets and its special atmosphere. A haven for seamen, the Gulf is also remarkable inland. From Arzon to Locmariaquer, a footpath gives access to exceptional viewpoints.

Chateau de Suscinio The impressive fortress of Suscinio is celebrating its 800th anniversary in 2018. In turn Benedictine priory, manor, princely palace, residence of the Dukes of Brittany: behind its ramparts, the castle tells eight centuries of a turbulent history along its passageways and its walkways offering a beautiful panorama of the ocean. On the occasion of its eighth centenary, a new and more immersive course is proposed: new scenography, hunting camp, medieval habitat, night show … The domain, listed as a Sensitive Natural Space is a protected area. To discover the exceptional richness of the flora and fauna found there, educational itineraries also exist.

Menhir of Kermaillard and megaliths The town has many megalithic sites including the menhir of Kermaillard, near the Logeo, which presents remarkable engravings. It is visible from the route of the Net going to the roundabout between the roads to Port Navalo and Saint Gildas. This beautiful granite monolith is adorned with a well-preserved decoration on its flat surface, which was buried for a long rime. A small fitted axe, a square cartouche and a large crescent discovered on the spot point to the end of the Neolithic. Sarzeau has joined the association of megaliths which, with Arzon or St Gildas de Rhuys and Carnac, intends to have this heritage recognized as “World Heritage” by UNESCO.

Beaches The beaches of Sarzeau are as varied as they are pleasant. The most popular is Penvins Beach, overlooked by the Notre Dame de la Côte Chapel. It is an exceptional spot for kite surfing and a favourite area for kite enthusiasts. It also has a school for sailing, kite surfing and stand-up paddle. Suscinio Bay stretches for 3 km from Beglan Beach to Penvins Point. A coastal path overlooking the beach leads to the small chapel of Penvins. Protected from the winds thanks to the Beglan cove, the Suscinio beach offers an exceptional panorama.

Port of St Jacques The oldest parts of the port were built around 1910. The main dike was extended in 1955 and has a small lighthouse; it was moved in 1988 during the last expansion. It has until recently hosted a small fishing fleet. This port is dominated by old villages where some old fishermen’s houses testify to the traditional habitat of Morbihan.

The port of Logeo The Logeo is an important maritime site of the Rhuys peninsula. Before 1789, the barges of Rhuys unloaded the goods of sailboats that anchored in the bay sheltered from the westerly winds. The products loaded were mainly wine, Rhuys brandy, wood and salt. In 1896 the current large hold was built. The Ville de Vannes steamer used to land there.

WHAT TO EAT

Gochtial of Saint-Armel

The gochtial comes from the Breton name gwestall, which means cake, but it is not really one. Halfway between a big loaf of bread and brioche, it is one of the most famous specialties on the Rhuys peninsula. While gochtial can be found everywhere in the area, it is the village of Saint-Armel, 8 km of Sarzeau, which claims paternity. It is rumoured, however, that it was invented in the nineteenth century two kilometres further up, in Hezo, where the inhabitants brought cakes made at home to cook in the baker’s oven on Saint Vincent’s day, January 22. Since then, gotchal is eaten all year round, especially at “Le Moulin à Café”, the bakery of Saint-Armel jealously keeping its recipe.

See also: Cycling Sportives in the Alps/

from Jane Cycling Blog https://janecycling.wordpress.com/2018/07/08/sarzeau-stage-4-finish-tdf-2018/ from Jane Cycling Blog https://ift.tt/2uhxbUQ

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daniellepmoses · 6 years ago

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Cholet – Stage 3 Finish, TDF 2018

Three past stages

Sub-prefecture of Maine-et-Loire (49)

56,000 occupants (Choletais)

106,000 occupants in the agglomeration of Choletais (26 cooperatives)

Sites: http://www.cholet.fr/www.ot-cholet.frwww.paysdelaloire.fr/www.agence-paysdelaloire.fr/fr-fr.facebook.com/villedecholet/www.facebook.com/regionpaysdelaloire/twitter.com/villedecholet/twitter.com/paysdelaloire

Superstars: Antoine Rigaudeau, Jim Bilba (ball players), Roland Garros (passed his flying permit in Cholet), François Morellet (painter and stone worker), Gilles Bourdouleix (lawmaker).

Specialities :

Culture : Espace Saint-Louis : theater, music and move studio. Celebration des arlequins : beginner theater celebration, Festival des z’allumés : yearly youth celebration. Jamboree : multi day and a night release, the main night fair in France. Estijazz : yearly jazz celebration the Moine stop. Les Enfantillages : appears for youngsters.

Game: 15,800 individuals in 103 game clubs. 70 disciplines. Driving clubs: Stella Sport la Romagne (table tennis Pro A), Cholet Basket (Pro A), Stade Olympique Choletais (football, third division), Hockey Club Choletais (Dogs in first division) Union Cycliste Cholet 49 (cycling DN2), Badminton Associatif Choletais (badminton N1). Headliners : Cholet Pays de La Loire (40th release won by Thomas Boudat – Direct Energie). 37th version of Cholet Mondial Basketball (Easter end of the week). twentieth version of the Cholet 10 km (3,000 sprinters). 33rd release of Nualle semi-marathon (March, 3,500 sprinters). 38th Tour de Cholet (December, 4,000 to 5,000 participants). 30 petanque national title (February).

Economy: driving segments: nourishment industry (Charal, Pasquier, Doux lait, L’Abeille…), coordinations and transports (Antoine Distribution, Ziegler, Géodis, STG, Transports Raud, Transports Ageneau… ), elastic abd plastic industry (Michelin, Nicoll, Palamy, Jeanneau, Matechplast… ), carepnters (CAIB, FLO, GYT, Atlantem, SPPF, Millet, Batistyl), design and material (Terre de Marins, Dorel, Royer… ), electornics and computering (Thales, Bodet, Soreel… ). Tourism. Foirail de Cholet : the fundamental dairy cattle showcase for hamburger in France.

Marks: Leading game well disposed town in France, L’Equipe Challenge1972, 2007 et 2014. Ville fleurie 4 blooms since 2005. Youngsters neighborly town by UNICEF since 2004.