#sailing retirees

[cinimon01]

Mai Tai experience 2024

Adventures of 60 somethings on board a catamaran.

On the 31st of January 2024, we became the proud owners of a Lagoon 400 2010 model, located in Opua New Zealand.

On the 27th of February, after a few family engagements, we flew to Auckland and drove 3 hours to Opua Marina, gathering some simple supplies on the way. I felt so cold and exhausted when we arrived that I nearly cried at the thought of living on this small, damp and smelly boat for the next 5 years. What had we done, we had a perfectly good life in a house. Why why why?

The next day was better.

28th February 2024, we sorted out a few things and organized a few others. Where to put clothes, towels, and did we have enough. Sheets were on board, but I threw most out as they were thin and barley reuseable. I started a list of things to but for us and the boat to be comfortable and livable for the next…..years?

So first trip in our hire car to Whangarei, (Pronounced Foneray) we found Spotlight, Countdown, Kmart and Bunnings. We loaded up and drove the 1 hour back to Opua.

1st March 2024: Next day we though we would take her for a spin and charge batteries and empty the black water tank, (the wee and poo tank). So we got out to open water and came into the bay of Russell. Lovely little spot but the anchor wouldn’t go down, so I suggested David just drive around and Ill cook breakfast/brunch.

So we did that and headed back to the marina. On our approach, on an outgoing tide, she was hard to handle. The birth spot was big enough for a catamaran but not big enough for us to park in with our limited experience and a tide that wanted to push us where we did not want to go. So I am running around the deck shouting directions to David. More like, “STOP, YOUR GOING TO HIT THE WHARF”. More things like, “Oh what the FUCK, we are going to crash”. Came out of my mouth on several occasions. We had the neighbours, folk from boats near us, on the dock along with the harbor master Shane. He was speaking calmly to David about pulling back and not so heavy on the power, but I don’t think he could hear him over my screaming, “We are going to crash.”

Yes we hit the dock and crushed our port side sugar scoop with an indent of about 25cm long and 10cm deep. Not too much damage to the boat but our self esteem was shattered, and I was a nervous wreck. One of our neighbours from a boat named Scallywag, was on the dock to console us. He had just had a similar experience and the tide pushed him into the bow spirt of another boat punching a hole in the side of his 50 ft catamaran…..Ouch.

2nd March 2024: Olly the previous owner came by and he sorted out the windlass, (anchor) not working problem. He said he cleaned up some loose wiring and maybe some got lost in the process and he unplugged the windlass. Not sure but he got it going and answered a lot of David's questions. We told him about our encounter with the dock and he said, “You know what they say, “You haven’t been around if you haven’t run aground”. I’m not sure if that made me feel better but, there you have it.

3rd March 2024: We gathered up our torn confidence and broken dreams decided we had to get back on the horse….so to speak. So out we went for another attempt at having fun on our new boat. This time we dropped the anchor in Russell, and I just put the kettle on when the afternoon storm that was expected at 1pm came early and interrupted our 10am brunch. So up came the anchor and we headed back to the marina. Before we even arrived my stress levels were off the chart. But we listened to Shane and came in on a slack tide and we managed to berth Mai Tai without incident. This was cause for celebration, so we had a shower and went into Paihia for dinner and a bottle of wine.

8th March 2024: Flew back to Sydney for my 60th birthday cruise on board Celebrity Edge to …..of all places, New Zealand. During this cruise we saw parts of the South Island and the sounds that were absolutely breath taking. The enormity of these places that we could now explore in our own boat! So we decided to skip the Rally to Fiji this year and explore New Zealand for 12 months. Plus we are not experienced enough in operating our boat yet. We need time and some nautical miles before we conquer open water.

[notfknapplicable]

Move-in went great! FYI I am never ever moving my self ever again. Movers are worth every single penny and having hired helpers to do the literal heavy lifting was life-saving. I'm still unpacking of course and I gotta figure out where to put my dryer - there's hookups for the washer in the kitchen, but it looks like the dryer will have to go on the back porch :-( cuz there's no vent for it anywhere in the duplex. The back porch is uncovered, too, so I'm gonna have to get one of those sun sails to go out there or something. Ugh so tedious, but it'll be worth it to be able to not hang clothes to dry or use a laundromat.

The new neighborhood is very much in the ghetto but like like the old people's side of the ghetto. Plenty of the people on my street are either retirees or disabled and not working, including my duplex neighbor. The street is quiet for the most part (except for the kid who lives in the house next door - he's clearly a twitch streamer because I can hear him screaming about video games from my porch). One neighbor sells soul food plates and that warms my heart. My best friend in middle school's grandmother sold plates from her house and I loved to visit because there was always something to eat and us kids ate for free. It really triggers my 90's housing projects nostalgia.

Sleep has gone well so far and I can already see the benefits of no longer eating and watching tv where I sleep. I've been able to take my ambien and fall straight to sleep 2 nights in a row now!

I had my first meeting with my advisor for grad school on Monday. I'm taking 2 classes in the fall and I think I've picked the class that I wanna use my scholarship for at the rare books program. It happens next spring (2025) at the NY Public Library and I've never visited that city alone before. Could be cool!

[fan-art-ic]

Ducktales is so fun bc underneath the silliness the character stories can be simplified to:

An ambitious man scrapes together enough savings over a childhood of hard work and leaves home to sail to a new country. There, he tries different ways to make money to survive and to send some back to his family. He goes to far and distant places looking for work and for a chance to strike it rich, and meets unusual characters along the way.

A pair of twins are orphaned and sent to live with their mysterious maternal uncle. The uncle, through mystical means, has extended his lifespan three fold and enjoys a life of riches and adventure. The twins soon find themselves joing their uncle on his trips and get into trouble.

A woman leaves behind her infant children for a last chance at adventure before motherhood claims all her time. However, disaster strikes and her plane crashes to never be found. She survives losing a limb and works for years to live and somehow make it back to her family.

A college student with voice problems is living his life separately from his tiny family. Then tragedy strikes and his twin sister's triplets are left orphaned, with his and his sister's old guardian to blame. He cuts ties with his guardian and takes the triplets, the last family he has left, to raise them himself.

A spy gives up her life at the agency to raise and protect the infant clone of a lifelong friend with many enemies.

A young girl lives with her grandmother, a housekeeper. They live in the mansion of the man her grandmother works for, a mysterious retiree who seems to haunt his own house. Isolated from the town below the hilltop the manor resides, the girl explores every nook and craney of the house and the grounds. The discoveries she finds are astonishing.

An evil sorceress tries to escape her enchanted confinement by creating a girl to puppet through shadow magic. She wants to use this girl to get vengeance on her foe who imprisoned her, but the girl begins to develop feelings for the foe's daughter.

Like are you kidding me all of these plots are so good and they are all present and way more developed in the show then I've written here AH great great show writing

[365proservices]

Unlocking the UAE's Golden Visa Maze: Insider Tips for Success

Welcome, aspiring adventurers, to the exciting world of Golden Visas Services in the UAE! If you've ever dreamt of unlocking new opportunities, exploring vibrant cultures, or building a brighter future in one of the world's most dynamic hubs, then you're in the right place. In this guide, we'll be your compass, navigating the Golden Visa maze with insider tips and expert advice to ensure your journey is not just successful but also fulfilling. So, grab your map, pack your enthusiasm, and let's set sail on this exhilarating voyage towards your Golden Visa dream!

1. Understanding Golden Visa Eligibility Criteria

Before setting sail, ensure you're eligible. The UAE offers Golden Visas to investors, entrepreneurs, talented professionals, and retirees. Each category has specific criteria, like investment thresholds or retirement fund requirements. Check your eligibility based on your profile and aspirations.

2. Gathering the Required Documents

Assemble your crew of documents for the journey. Common documents include passport copies, proof of investment, bank statements, and a clean criminal record certificate. For investors, additional documents like business plans, trade licenses, and property ownership deeds may be required. Double-check the specific document checklist based on your chosen Golden Visa category.

3. Plotting Your Investment Strategy

Choosing the right investment is crucial. Opt for real estate, business ventures, or innovation projects that align with UAE regulations and contribute to the economy. Research thriving industries, consult with financial advisors, and consider long-term sustainability when crafting your investment strategy.

4. Crafting a Stellar Business Plan

A well-crafted business plan is your treasure map to Golden Visa approval. Highlight your business concept, market analysis, financial projections, and growth strategies. Emphasize how your venture will create jobs, drive innovation, or enhance the UAE's economic landscape. Tailor your business plan to showcase value, feasibility, and alignment with UAE's vision for growth and development.

5. Navigating the Golden Visa Application Process

Embark on your Golden Visa application journey through the relevant government authority, such as the Federal Authority for Identity and Citizenship (ICA), the Ministry of Economy, or local immigration departments. Follow the online application portal or engage with authorized representatives for a smooth submission process. Timing, transparency, and professional assistance are key for success.

6. Insider Tips for Smooth Sailing

Apply During Economic Stability: Submit your application during periods of economic growth and stability for higher chances of approval.

Engage Legal or Immigration Consultants: Consider hiring legal or immigration consultants for expert guidance and assistance throughout the application process.

Be Transparent and Consistent: Disclose accurate information and ensure consistency across all documents to avoid delays or rejections.

Showcase Long-Term Commitment: Highlight your commitment to long-term engagement in the UAE through investment diversification or strategic partnerships.

As we reach the shores of our Golden Visa adventure, it's time to reflect on the invaluable insights and strategies we've uncovered. From understanding eligibility criteria to crafting stellar business plans and navigating the application process, you've gained the tools and knowledge needed to steer your course towards success.

Remember, patience and preparation are your steadfast companions in this journey. Keep abreast of UAE's visa policies, adapt your strategies as needed, and stay committed to your long-term goals. Whether you're an investor, entrepreneur, or talented professional, the UAE's Golden Visa offers a gateway to new horizons and endless possibilities.

[idroolinmysleep]

Tax-advantaged savings has become a staple of the American retirement system, with 60 million savers squirreling away $6.6 trillion in their 401(k)s, alone. … [But] that success now vexes many retirement experts, alarmed by how easily Congress acquiesces to tax breaks for retirement savings that disproportionately help the wealthy while treating the benefits relied upon by most retirees — Social Security and Medicare — as budget-busters ripe for reform. … The latest expansion of private retirement savings comes at a time when Social Security, which the majority of American seniors rely on to cover basic living expenses, faces insolvency in 2034. Secure 2.0 sailed through Congress shortly before lawmakers convened working groups to try to fix Social Security’s $119 billion cash shortfall, which amounted to less than half of a single year’s worth of tax benefits for retirement savings that mostly go to higher earners. … The success of the retirement industry and its advocates in Congress has put a sinkhole in the federal budget at a time when entitlements are under threat. While the cost to the Treasury for tax-advantaged retirement savings was $81 billion in 1995, it has since swelled to over $369 billion in 2023 and, in the wake of Secure 1.0 and 2.0, is expected to nearly double to $659 billion in 2027.

[momentary-ecstasy]

Saffi: “I can’t keep doing this.”

“I can’t keep doing this,” Seven sighed. 

Raffi looked over at Seven, “Doing what?”

Seven gestured to the scene behind them. The string lights draped between old stone columns. The string quartet. The high ranking Starfleet officials laughing with Federation council members over Chateau La Barre. She downed the rest of her own Chateau La Barre and set the glass down on the stone railing overlooking the nighttime oceans pushing a breeze in through their hair and gowns. 

Raffi smiled and leaned back on the railing, facing the party and glanced up at the beginnings of stars peeking out as the sun’s rays diminished behind the horizon. “C’mon, the first time we saved the galaxy, they quietly apologized and gave us jobs. This time they’re acknowledging us. Granted it’s because we were wearing Starfleet uniforms at the time, but if they want to throw us a stupid party and feed me canapes until my dress pops, let ‘em.”

Seven’s mood lightened a bit at Raffi’s defense of the third stupid party they’d been to in the last month celebrating the avoidance of the second Dominion War at the hands of several Starfleet retirees, two Starfleet Intelligence agents, and the skeleton crew of the USS Titan. 

Seven glanced back at the party and took Raffi’s wine from her hand, taking a sip of it. She looked back toward the ocean. “The only consolation prize is Shaw is having a worse time than me.”

Raffi looked over at Shaw who was trying to eat his food and drink his wine alone in the corner, but people kept going over and disturbing him, congratulating him and not realizing his dour look was annoyance and not heroic brooding. “He is definitely not happy.” She leaned back a bit and looked over at Seven. “I have an idea.”

Seven raised an eyebrow in question.

Raffi pointed to a small dock at the bottom of a stone staircase where a docked rowboat rocked in the waves that were pushing it into a narrow canal used in the 17th century to ferry goods deeper into the European castle the party was held in. The canal was purely decorative now, kept clean and pristine. “Meet me at the dock in three minutes.”

Seven didn’t have time to question or argue because when she looked back toward Raffi she was gone. Seven shook her head at her girlfriend who was entirely too good at her job of blending into crowds. Seven was stopped four times on the way to the stairs and she had to excuse herself to the bathroom three of those times. One of the Commodores asked her to come see him at Starfleet headquarters to no doubt talk about a promotion that would make Starfleet look like the heroes of the almost second Dominion War were going to be leading the organization in the future. 

Seven made it down to the dock in a little over four minutes and found Raffi standing in the rowboat, setting a bottle of something down in the bottom and resting a tray of canapes on one of the seats. 

“What are you doing?” Seven asked. 

“We are absconding with an ancient sailing vessel,” Raffi held out her hand to Seven. 

Seven saw Raffi’s heels forgotten on the dock and stepped out of her own as she took Raffi’s hand and put her first foot into the boat. It was easier to balance than she thought and she sat down facing Raffi, finding their situation ridiculous and perfect. 

Raffi untied the fraying rope from the dock and let the waves push them deeper into the castle grounds. She picked up the bottle next to herself and pulled the cork out. “I made friends with the bartender.” She offered the bottle of aged whiskey to Seven. 

Seven smiled and took the bottle. She looked behind herself at the canal they were creeping down, “Do you even know where this goes?”

“Not a clue,” Raffi answered. She picked up a canape and popped it into her mouth. “But it is going away, which is what you wanted.”

Seven took a swig of whiskey right from the bottle, “You always deliver.”

“Anything for my girl,” Raffi grinned. 

As they floated away from the party, the noises and music faded away. They weren’t moving very quickly and found the canal had gone shallow in a few places, requiring Raffi to push off the edge to keep them moving. 

Ten minutes into their voyage they were both lying in the rowboat, heads resting on one seat and feet resting on the other, passing the whiskey back and forth and eating from the tray resting on Raffi’s stomach while they looked at the stars. 

“When Vadic was executing officers on the bridge, I hesitated before I offered myself,” Seven confessed when the silence had hung long enough for tipsy thoughts to creep in. “I wasn’t going to let her shoot me without a fight, but…” She looked over at Raffi who was hanging on her every word, “I’ve never hesitated before in a situation like that. But I wanted to live so I could see you again.”

Raffi reached over and rested her hand on Seven’s face, running a tender thumb over her cheekbone. She smiled sadly. She hated what Seven had gone through. She brought their lips together and kissed Seven, letting their lips rest together for a moment before pulling away. “I’m glad you lived.”

When it felt like she was being overwhelmed with emotion, Seven moved closer to Raffi and put her head on Raffi’s shoulder. She felt Raffi’s arm wrap around her shoulders and they got comfortable again looking at the stars.

A few minutes later, Raffi interrupted the silence again. “Seven?”

“Hmm?” Seven asked. 

“Did you spill the whiskey?” Raffi asked. 

Seven looked over at her hand and saw that the whiskey was still upright and mostly full. “No.” Then she felt why Raffi had asked. 

They both started sitting up and found that their very old boat was leaking. Raffi and Seven scrambled to stand though the back of the bottom half of both of their dresses were soaked. Raffi laughed and it caused Seven to take the situation with a wild kind of humor. 

Raffi found they were in a slightly wider, though shallower part of the canal. She looked to one side and saw a stone ladder carved into the stone retaining wall with what appeared to be a grassy area on top. 

She put a hand on Seven’s shoulder, “Stay still.”

Seven stilled in a standing position, feet disappearing under the water in the bottom of the boat and steadied Raffi as she stepped out into the canal. Raffi was submerged to her knees and turned her back to the boat. “Hop on. Don’t forget the whiskey.”

Seven found the entire situation ridiculous and endearing. She carefully put her legs around Raffi’s waist from behind and held onto her shoulders, sinking into Raffi so her front was pressed to Raffi’s back and her arms could loosely hold onto her chest from behind, an open bottle of whiskey in her hand. “My hero.”

Raffi chuckled and started walking toward the ladder carved into the stone, her dress becoming heavy with water at the bottom. When they arrived, she turned so that Seven could exit her Raffi-taxi directly onto the water without getting more water on herself, then climbed up after her. 

At the top of the ladder, Seven found them in a small grassy area that appeared well manicured, but rarely visited. A tree was in the center of the small lawn and a small walkway disappeared around a corner back toward the party. She offered her hand to Raffi who was at the top of the ladder and held her hand as they walked a few steps into the grass then sat down, able to see the ocean spread out in front of them with the inky black sky twinkling stars at them from above.

Eventually their sitting collapsed into lying again, this time with Raffi’s head on Seven’s stomach and Seven lounged back, a folded arm behind her head. 

“You should be out there with a crew,” Raffi started, gesturing vaguely to space. “Doing whatever you want because what you always want to do is help and the brass down here always take six months and a committee of fourteen to decide what shade of black our damn pants are.” 

Seven smiled. Before all she ever wanted to do was help. Now she wanted to help, but she also wanted to spend time with Raffi. “We should be out there. You, me, a fully crewed ship. A galaxy full of people who get ignored and need help.”

Raffi’s brain started spidering all over the place to people she could talk to about it and favors she could call in. “I think we have enough political capital now to get them to ignore the fraternization policy.”

Seven ran her fingers through Raffi’s hair. “Yeah, I’m sure we do.”

“You’ll look hot in the Captain’s chair,” Raffi set the whiskey down, pretty much done with it already. “I’ll look hot in the Intelligence Officer station. Hottest ship in all the quadrants.”

Seven laughed. “The envy of Starfleet.”

“Damn straight,” Raffi started laughing as well. 

They laughed together, lying in the grass, dresses soaked and whiskey forgotten and it was everything they wanted.

[thescribblingtourist]

From Chester to Cattlewash

Meet George and Barbara Wilson – unofficial Canadian ambassadors to idyllic Barbados.

Written By Richard Perry

Nova Scotia natives George and Barbara Wilson have made 27 trips to Barbados.

Driving north on the Ermy Bourne Highway it was becoming harder to keep our eyes on the road. To our right, three thousand miles of uninterrupted Atlantic swells were breaking on the beach. To our left, the sloping green hills of eastern Barbados displayed lush vegetation and the swaying leaves of breadfruit and coconut trees.

But as we passed giant Round Rock (an Instagram favourite), we saw the smiling Barbara Wilson, waving from her lawn in front of the big green cottage she had told us to look for “just across from the rock.”

We’d arrived in Cattlewash, named years ago when farmers walked their cattle down to the beach so saltwater could provide some relief to fly bites. These days it is a tiny rural neighbourhood serving two ends of the age spectrum: retirees looking to get away from it all and hipster surfers from around the world who ride giant waves in international competitions.

“Welcome to Cattlewash. Come on in.” said George. “May I offer you a drink…rum punch perhaps?”

The Wilsons have lived in several Maritime communities during their careers, but now make their home in Chester, Nova Scotia.

George is a tall, boyishly handsome 84-year old, a former head of sales for Kraft/General Foods in Atlantic Canada. With his velvety smooth, measured voice he could pass for a diplomat, well-suited to moving in high circles.

Barbara, now 80, was a nurse and wound care specialist who trained at the Royal Victoria Hospital in Montreal. More than once she’s had to treat friends on the island for everything from heat stroke to burns from a leaking gas stove.

Like her husband, Barbara has fallen in love with the Bajan people and their lifestyle.

“On some level, we equate it to the openness and friendliness of Newfoundland, which we both love,” she said. In their sailing days, they cruised the southwest coast, visiting outports and making friends with locals who helped tie up their boat. One couple invited them to their wedding.

We’d been tipped off about the Wilsons by fellow Nova Scotian John Cavill, a retired Air Canada public relations executive and a current representative for Barbados Tourism Marketing, Inc. In a country that relies heavily on tourism dollars and foreign exchange revenue, loyal repeat vacationers like the Wilsons are routinely feted at glitzy events hosted by the Prime Minister. This year marked their 27th trip to ‘Little England.’

“At our reception, two children in their school uniforms opened our car door,” said Barbara. “They were so polite and engaging. Inside, we were met with steel pan drums and children singing Beautiful Barbados.”

Beautiful, beautiful Barbados Gem of the Caribbean Sea Come back to my island Barbados Come back to my island and me.

Please me come back where the night winds are blowing Come back to the surf and the sea You’ll find rest, you’ll find peace in Barbados Come back to my island and me.

“We shook hands with Prime Minister Stuart that night. I told him we’re from Nova Scotia, and that along with Newfoundland we’ve always had a wonderful history of trade with Barbados. I said ‘We always sent salt, fish and lumber. In return, you gave us rum and sugar. We got the better part of that deal!’”

The Prime Minister of Cattlewash

Not five minutes into our hors d’oevres and rum punch, it’s clear why this Canadian couple has no trouble filling the cottage with guests. They are gracious hosts and love to share stories. Their friendships with Bajan neighbours and other vacationers have led to some creative hijinx.

“We have had fun jokingly forming our own government at Cattlewash,” said George. “We had a prime minister who was from Montreal, a Dr. Doug Kinnear who was the doctor for the Montreal Canadiens. He and his wife Katie have been down for about ten or fifteen years, living near us. So we had our ‘government’ meetings'. Barb, as a former nurse, was going to be minister of health. I was minister or tourism or something along those lines.

“Unfortunately, Doug died just last year. So last night at our party we held our glasses up to honour Prime Minister Doug Kinnear of Cattlewash. He was a colourful character. He always had stories about the Habs.”

Dr. Doug Kinnear, the Prime Minister of Cattlewash, treats Habs captain Bob Gainey. Photo credit: Globe and Mail

I found an obituary of their friend. He led the Canadiens’ medical team from 1962 to 1999. During that time, they won an impressive 12 Stanley Cups.

All roads lead to rum

It’s said of Barbados that wherever you see a church, you’ll find at least one rum shack nearby. We checked. It’s true. There are said to be as many as 1,700 rum shacks – on an island only 21 miles long by 14 miles wide!

I was curious if our new friends were fans of the tried and true Bajan rum punch recipe of one part sour, two parts sweet, three parts strong and four parts weak. “Actually, we leave out the weak…the water or juice. Ice cubes are all you really need.”

Seated on their patio, with the ocean in full view and a noisy surf soundtrack, we got into some good stories. Like the time they showed up in the local church, the only whites in the congregation, and the pastor, Father Matthias, invited them to stand up and announce to the flock who they were and where they were from.

“We gave our names and where we’re from in Canada,” said George. “It was pretty quiet. I told them we came because of the warmth of the people, who are very special and then added that we also came for … the Bajan macaroni pie. That’s when they got excited and broke into applause.”

An inauspicious welcome

George still recalls their first day in Barbados back in the late sixties. “In all our excitement, in the darkness I rushed into the water and had no sooner stepped in when I told my friend Bill, a doctor, that I thought a shark had bitten my foot, the pain was that bad. I had stepped on sea urchins. I had 40 barbs in each foot. I spent two weeks with my feet in buckets trying to get them out.”

In Barbados, everything is close. At 432 square kilometres (166 square miles), the entire island covers roughly the same area as St. John’s, Newfoundland. One minute you’re facing the calmer waters on the west coast, where play is the order of the day. Pasty white tourists, mostly from the United Kingdom, Canada and the United States fill the beach chairs and restaurants.

The Wilsons’ front yard view, where the Ermy Bourne Highway skirts the Atlantic Ocean in eastern Barbados.

But head a few miles inland and the landscape changes dramatically. The terrain rises through sugar cane fields, past roadside neighbourhoods (with ubiquitous rum shops) past an occasional long-abandoned windmill. When you climb Cherry Tree Hill facing the wild east coast, the view is stunning – one of those stop and stare moments. It’s hard not to imagine the country’s colonial past and these very fields where slaves worked unbearable days in oppressive heat.

Soon, the twisty, bumpy roads wind down toward sea level and the untamed east coast where the Wilsons have found their Shangri-La, where it is quiet and scenic – just the way they like it.

George and Barbara point to where they like to go for walks. Cattlewash has a beautiful one mile stretch of unbroken beach – said to be among the longest in Barbados.

“We’ve stayed in Sunset Crest in Holetown, and we like to visit,” said Barbara. “and we’ve had a safari tour into places that are like jungles, so dense and gorgeous. But when we come over that hill and in view of the sea and feel the trade winds, ahhh…coming down the hill…everything falls off and it is so lovely seeing the sea.”

 -30-

[curtisrolson]

Sailing into Retirement - Embracing Life's New Adventures

Most people consider retirement a time for relaxation with little expectation of excitement. However, others embrace it as an opportunity for exploration, embarking on new adventures, venturing into uncharted territory, and enjoying the freedom that comes with retirement. For this reason, sailing has become a popular retirement activity.

No prior experience is required to take up sailing during retirement. The open sea provides a rewarding and fulfilling experience for retirees. Some want a cozier and more predictable lifestyle in their golden years. Depending on their health, they can achieve this in optimized environments like Nexus Development’s Vivante housing projects, which offer apartments in self-contained communities with on-demand health and wellness facilities.

For those seeking adventure, sailing brings excitement to the aging process. Retirees can begin living their best lives rather than "aging in place," avoiding the physical and cognitive decline often associated with aging.

Sailing is far from a solitary sport; it fosters an active lifestyle within a community of like-minded individuals. Combining this with regular exercise and a diet of mostly unprocessed foods makes sailing perhaps the best plan for longevity that anyone can afford.

[youngdolphmerch]

Homes to Buy in Monterey CA: A Comprehensive Guide

Monterey, California, is more than just a scenic coastal city; it’s a haven for those seeking a balance of natural beauty, rich history, and a vibrant lifestyle. If you're considering Homes to Buy in Monterey CA in this picturesque city, this guide will provide you with all the information you need to make an informed decision. From market trends to neighborhoods and tips for first-time buyers, we’ve got you covered.

Why Choose Monterey, CA?

1. Unmatched Coastal Beauty

Monterey boasts stunning ocean views monterey real estate, serene beaches, and a mild climate year-round. Residents enjoy access to the iconic Monterey Bay and attractions like Cannery Row and the Monterey Bay Aquarium. Living here means waking up to the soothing sounds of the ocean and having nature as your backyard.

2. Rich Cultural and Historical Appeal

The city is steeped in history, from its Spanish colonial roots to its prominence as a fishing hub. Landmarks like the Old Fisherman’s Wharf and the historic adobes give Monterey a unique charm, making it a sought-after location for homebuyers who value cultural depth.

3. Excellent Quality of Life

Monterey offers top-rated schools, a thriving arts scene, and numerous outdoor activities such as hiking, biking, and sailing. Its close-knit community and family-friendly atmosphere make it an ideal place for individuals and families alike.

The Real Estate Market in Monterey

1. Current Trends

The real estate market in Monterey is competitive, with demand often exceeding supply. As of 2024, the median home price hovers around $1.2 million, reflecting the premium buyers are willing to pay for the city’s amenities and lifestyle.

2. Types of Properties Available

Single-Family Homes: Ideal for families, these homes offer spacious layouts and yards. Many feature stunning ocean views.

Condos and Townhouses: Perfect for retirees or young professionals, these properties often come with amenities like pools and fitness centers.

Luxury Estates: Monterey is home to several high-end properties with sprawling grounds, private beaches, and state-of-the-art designs.

Top Neighborhoods to Consider

1. Pacific Grove

Known as "America’s Last Hometown," Pacific Grove offers a mix of Victorian homes and modern properties. It’s perfect for those who love quaint streets, excellent schools, and a strong sense of community.

2. Carmel-by-the-Sea

Located adjacent to Monterey, this charming village features fairytale cottages and luxury homes. While prices here are on the higher end, the unique architecture and artistic vibe make it worth the investment.

3. Downtown Monterey

For those who prefer urban living, Downtown Monterey offers proximity to shops, restaurants, and cultural landmarks. It’s an excellent choice for young professionals and retirees.

4. Del Rey Oaks

This quieter suburb of Monterey provides a more affordable option without sacrificing proximity to the city. It’s ideal for families and first-time buyers.

What to Consider When Buying a Home in Monterey

1. Budget Planning

Monterey’s real estate prices can be steep. Before you start house hunting, establish a clear budget, factoring in additional costs like property taxes, maintenance, and homeowners’ association fees.

2. Proximity to Amenities

Consider how close you want to be to schools, workplaces, and recreational activities. Neighborhoods like Pacific Grove and Downtown Monterey provide easy access to key amenities.

3. Investment Potential

Homes in Monterey tend to appreciate in value, making them a sound investment. However, work with a local real estate agent to identify areas with the best long-term potential.

4. Environmental Factors

Monterey’s coastal location means certain areas may be prone to fog or erosion. Ensure your potential home is structurally sound and not in a high-risk zone for natural disasters.

Steps to Buying a Home in Monterey

1. Secure Financing

Get pre-approved for a mortgage to understand your purchasing power.

Research lenders familiar with the Monterey market for competitive rates.

2. Partner with a Local Realtor

A realtor with local expertise can provide insights into neighborhoods, negotiate prices, and guide you through the buying process.

3. Conduct Thorough Inspections

Ensure your prospective home undergoes a detailed inspection to identify any structural or environmental issues.

4. Make a Competitive Offer

Given the high demand, be prepared to act quickly and make a strong offer to secure your dream home.

Living in Monterey: A Snapshot

Schools: Highly rated public and private schools cater to families.

Healthcare: Access to top-notch medical facilities such as Community Hospital of the Monterey Peninsula (CHOMP).

Recreation: From kayaking in the bay to exploring Point Lobos State Natural Reserve, there’s no shortage of outdoor adventures.

Dining and Shopping: Savor fresh seafood at waterfront restaurants or shop at boutique stores in Cannery Row.

Conclusion

Buying a home in Monterey, CA, is an investment in a lifestyle that blends coastal charm with modern convenience. With its diverse neighborhoods, robust real estate market, and unparalleled quality of life, Monterey is truly a dream destination for homeowners.

[homes-for-sale-maryland]

Find Your Dream Home: Explore Homes for Sale in Maryland

Maryland is a state full of opportunities for homebuyers, offering a diverse range of housing options in scenic locations. Whether you’re looking for a modern townhouse in the suburbs, a historic property in a charming city, or a spacious rural retreat, the market for homes for sale in Maryland has something to offer everyone. This guide explores Maryland’s vibrant real estate market, highlighting the best places to buy, tips for purchasing, and resources for finding your dream home.

Why Choose Maryland for Your New Home?

Maryland is one of the most desirable states to live in, thanks to its central location, thriving economy, and diverse lifestyle options.

1. Proximity to Major Cities

Maryland’s strategic location puts you within easy reach of major metropolitan areas such as Washington, D.C., and Baltimore. This makes it an ideal choice for commuters who want the benefits of city life without living in the heart of a bustling metropolis.

2. Scenic Landscapes

From the breathtaking Chesapeake Bay to the Appalachian Mountains, Maryland is a haven for nature lovers. Homes for sale in Maryland often come with stunning views and access to outdoor recreation.

3. Strong Economy

With its robust job market and growing industries, Maryland provides excellent opportunities for both career growth and financial stability. This economic strength translates into a vibrant real estate market.

Types of Homes for Sale in Maryland

The Maryland real estate market caters to a wide range of buyers, offering everything from affordable starter homes to luxurious estates.

1. Single-Family Homes

Single-family homes are the most popular choice among buyers. They provide privacy, space, and the perfect environment for raising a family.

2. Townhouses

For those looking for a blend of convenience and affordability, townhouses are a great option. They are commonly found in urban and suburban areas across Maryland.

3. Condominiums

Condos offer a low-maintenance lifestyle, ideal for young professionals, retirees, or anyone looking for a smaller living space without the burden of yard work.

4. Historic Properties

Maryland is known for its rich history, and many homes for sale feature classic architecture. Historic homes are often located in areas like Annapolis and Frederick.

Top Locations to Find Homes for Sale in Maryland

1. Baltimore

As Maryland’s largest city, Baltimore offers a mix of urban living and suburban charm. Neighborhoods like Federal Hill, Canton, and Mount Vernon are popular for their cultural amenities and variety of housing options.

2. Annapolis

Known as the “Sailing Capital of the World,” Annapolis is perfect for water enthusiasts. The city’s historic homes and waterfront properties make it a sought-after location.

3. Montgomery County

For those seeking proximity to Washington, D.C., Montgomery County offers upscale communities like Bethesda and Rockville. The area is known for its excellent schools and vibrant cultural scene.

4. Frederick

Frederick combines small-town charm with modern conveniences. Its picturesque streets and affordable housing make it an excellent choice for families and retirees.

5. Prince George’s County

With its rapid development and growing housing market, Prince George’s County is an attractive option for first-time buyers. The county’s location near the nation’s capital adds to its appeal.

Tips for Finding the Best Homes for Sale in Maryland

1. Set Your Budget

Before beginning your search, determine how much you can afford. Consider additional costs such as property taxes, insurance, and maintenance.

2. Partner with a Real Estate Agent

A local real estate agent can provide valuable insights into the Maryland market and help you find the best homes for sale in Maryland that meet your criteria.

3. Explore Online Listings

Websites like Zillow, Realtor, and Trulia are excellent resources for browsing available homes. Use filters to narrow down your search based on location, price, and property type.

4. Attend Open Houses

Open houses give you a chance to explore properties in person and get a feel for the neighborhood. They’re also an opportunity to ask questions directly to sellers or agents.

5. Consider Future Growth

Think about the long-term potential of your investment. Areas with planned developments or rising property values can be a smart choice for buyers.

Advantages of Buying a Home in Maryland

1. Diverse Neighborhoods

From bustling urban hubs to quiet rural towns, Maryland has neighborhoods to suit every lifestyle. Whether you’re looking for top-rated schools, a vibrant nightlife, or outdoor activities, you’ll find it here.

2. High-Quality Education

Maryland is home to some of the nation’s best public and private schools, making it an ideal place for families with children.

3. Strong Property Value Appreciation

Real estate in Maryland tends to hold its value well over time, making it a stable and rewarding investment.

Challenges to Consider When Buying a Home in Maryland

While Maryland offers numerous benefits, it’s essential to be aware of potential challenges in the homebuying process:

Competition in the Market: Desirable properties can attract multiple offers, especially in sought-after locations.

Higher Property Taxes: Maryland has relatively high property taxes compared to some other states.

Commuting Costs: If you work in a major city but live in the suburbs, commuting expenses can add up.

Being prepared and working with experienced professionals can help you navigate these challenges successfully.

How to Finance Homes for Sale in Maryland

Securing financing is a critical step in the homebuying process. Here’s how to get started:

Get Pre-Approved for a Mortgage: Pre-approval gives you a clear budget and shows sellers you’re a serious buyer.

Explore Loan Options: Look into FHA loans, VA loans, and conventional mortgages to determine the best fit for your needs.

Research Assistance Programs: Maryland offers programs like the Maryland Mortgage Program (MMP), which provides down payment assistance and competitive interest rates.

Negotiate with Sellers: In some cases, sellers may be willing to cover closing costs or negotiate on price.

Why Maryland is Ideal for First-Time Homebuyers

First-time buyers will find Maryland an excellent place to start their homeownership journey. The state’s wide range of affordable housing options, coupled with programs that offer financial assistance, makes it easier for new buyers to enter the market. Popular areas like Columbia, Gaithersburg, and Bowie offer first-time buyers a mix of affordability and convenience.

Partner with Sell Your Maryland Home for Free

When searching for homes for sale in Maryland, it’s essential to work with a trusted resource to streamline the process. Sell Your Maryland Home for Free is a reliable platform that helps buyers find their perfect home without the hassle. Their extensive listings, expert guidance, and commitment to customer satisfaction make them a top choice for Maryland homebuyers.

[yescs2020]

"One user, who only goes by @DTLjohnny, said on Trump Media-owned Truth Social he sunk 98% of his total retirement into the stock. As of September, he estimated he had lost 60% of his investment. Nevertheless, he seemed confident in the company’s ability to right its sails."

[wwwvilladejablue]

Hotel Villa Deja Blue helps budget-conscious seniors from Mississippi enjoy Cozumel activities with relaxing villas using insider information learned from living on the island. Cozumel offers senior and retiree travelers an abundance of excitement - from water adventures to cultural heritage! Discover some of the extraordinary opportunities that this paradise provides. Seniors looking to experience Cozumel's beautiful ocean waters without swimming can opt for an exciting catamaran sail and snorkel excursion! Discover more here! https://villadejablue.com/what-is-the-best-villa-in-cozumel-for-seniors-from-mississippi/?feed_id=25710&_unique_id=674182a44fb2d

[rohanmohanty]

Is Krisala 41 Zoy the Future of Residential Living in Hinjewadi?

When I first heard about Krisala 41 Zoy in Hinjewadi, I was curious about all the buzz surrounding it. Being familiar with the area, especially its booming IT sector, I decided to check it out, and I have to admit—I was blown away. Located in Hinjewadi Phase 1, this project has everything a homebuyer could want. If you're someone who's looking to settle in one of Pune's fastest-growing tech hubs, you should definitely take a closer look at Krisala Zoy.

The Location Advantage

The first thing that struck me about Krisala 41 Zoy is its incredible location. It’s just a 6-minute drive from the Rajiv Gandhi Infotech Park, which is a huge plus if you're working in the tech industry. And with the Pall Metro Station located just 200 meters away, the daily commute to other parts of Pune is hassle-free. Whether you're heading to a meeting across town or just catching up with friends in Koregaon Park, it’s smooth sailing.

What's even better is the balance the location offers between connectivity and lifestyle. Krisala Hinjewadi offers easy access to schools, shopping malls, and healthcare facilities, making it a convenient place to live if you have a family. I visited the D-Mart nearby for some groceries and explored the BLISS International School, just a 10-minute drive away, and felt assured that this area had everything one might need.

A Modern Living Experience

What sets Krisala Zoy apart from other projects is the combination of luxury and practicality. I was taken on a tour of the two towers, each standing tall at 23 stories, and I could feel the attention to detail in every corner. The apartments, whether it’s a 2 or 3 BHK, are thoughtfully designed, with spacious layouts and modern interiors. The natural lighting and ventilation in these homes add to the airy, fresh vibe.

But let’s be honest: it’s the amenities that take the cake. I got a chance to dip my toes in the infinity swimming pool perched over 50 feet high. The view from up there is something you won’t forget anytime soon. There’s also a yoga center that immediately drew my attention—it’s the perfect way to start your mornings in a peaceful setting, away from the daily hustle.

The project also boasts a daycare center, which is a relief for working parents, and there’s even a multipurpose court for those who enjoy a bit of sports or social gatherings. What really impressed me is how everything seems to have been planned keeping residents’ comfort in mind. From the senior citizens' area to the kids' play zone, it’s clear that Krisala Zoy Hinjewadi aims to cater to every generation.

Is This the Future of Living in Hinjewadi?

I’d argue that Krisala 41 Zoy is certainly the future of residential living in this part of Pune. The real estate market in Hinjewadi has been growing steadily over the years, primarily because of the tech boom. But it’s projects like Krisala Zoy that are redefining what it means to live in this IT-centric part of the city.

With its premium homes, world-class amenities, and strategic location, this project checks all the boxes for young professionals, growing families, and even retirees. The convenience of being so close to Pune's key hubs, combined with the luxurious features of the apartments, makes it an attractive option for anyone looking to invest in property.

Why Krisala 41 Zoy?

If you’re still on the fence about whether Krisala 41 Zoy is worth your investment, let me sum it up: It’s not just about buying a house; it’s about buying into a lifestyle. The location makes your daily commute a breeze, while the world-class amenities ensure that your downtime is just as enriching as your work life. Plus, with Krisala Developers' reputation for quality construction and timely delivery, you know you're in safe hands.

For me, living at Krisala Hinjewadi would mean fewer worries about traveling, more time to relax, and a home that truly feels like a retreat from the bustling city life. If you're someone who values comfort, style, and convenience, Krisala Zoy is definitely a place you should consider.

In a city like Pune, where finding the perfect balance between work and life can be tough, projects like Krisala 41 Zoy make it a lot easier. So, if you’re planning on buying a home in Hinjewadi, this might just be the future of living you've been waiting for. Visit: www.krisala-41zoy.com

[pollakandslepianllb]

Why Does Your Next-Door Neighbor Need a Nassau County Attorney?

Want to know what legal issues lurk behind your beautifully maintained lawn? The truth may surprise you that perfect legal assistance can help you solve such problems and nobody is exempt in courts. Further reading may assist you!

The Secret Legal Landscape of Suburbia

A court battle may feel a million miles away from your quiet neighborhood. However, underneath these agreements, legal problems often simmer. Property disputes or family matters are the most common situations you might need a lawyer to help with.

Property Line Disputes Are Widespread

That new fence your neighbor built? It might be on your property. Such disputes appear more frequently than you think. The Nassau County Attorney may help address these issues well before they become outright hostilities.

Divorce Issues

Divorce is not what anybody wants to plan, but it happens. Some people face a struggle with it at this moment. This is when legal advice becomes essential, as some lives are so intertwined that it will take more than just a clean break.

Personal Injury

That fell on the sidewalk? Did a dog bite you from the neighborhood pup? The result of these events often become intricate legal cases. You might need an attorney to sail through the rocky waters of injury claims.

Estate Planning

No one wants to think about the future, but we all have to, and an attorney can assist with executing wills and trusts.

Home Office Headaches

It is mostly widely viewed as working at home these days. Many of us dream about starting our own business, but there can be legal pitfalls that may accompany entrepreneurship. Contract disputes to licensing issues require a good knowledge of the law, one that can only be aided by assistant lawyers.

Landlord-Tenant Squabbles

What seemed like such a wonderful idea when renting the basement apartment, but it actually wasn't. It may also help in getting legal aid so that all the parties know their rights and duties, and then encourage them to resolve accordingly.

Crimes and Criminal Defense

Occasionally, even the best of people are wrongly accused or wind up on the wrong sort of street. Without it, a potent defense might well be the difference in something like these instances.

Bankruptcy

None of us are exempt from economic hardships. However, bankruptcy might worry you to a significant extent. You can receive the necessary support from an experienced attorney.

Final Words

They might be the surrounding family or even aging retirees around you. But a reputable Nassau County Attorney by your side may make an enormous difference by believing in you and probably making some good strategies to take and where to be philosophical in cases. Confronting legal issues with professional assistance can lead to more suitable, better resolutions. For more information visit our website!

Name, Address, Phone Number (NAP)

Name: Pollak & Slepian L.L.P Address: 214-08 41st Ave, Queens NY 11361 Phone Number: 7182291904

[southeastdiscovery]

Hilton Head Island or Bluffton: Which One Is Right For You?

Choosing between Hilton Head Island and Bluffton, South Carolina, can be a delightful dilemma. Both destinations offer unique experiences and charm, making them popular choices for travelers and potential residents alike. Here’s a detailed comparison to help you decide which one is right for you.

Overview of Hilton Head Island

Scenic Beauty and Outdoor Activities

Hilton Head Island is renowned for its stunning natural beauty, with 12 miles of pristine beaches, lush maritime forests, and expansive marshes. It's a paradise for outdoor enthusiasts, offering:

Beach Activities: Sunbathing, swimming, and beachcombing on its sandy shores.

Water Sports: Kayaking, paddleboarding, and sailing in the calm waters.

Golf: Home to some of the best golf courses in the country, including Harbour Town Golf Links.

Biking: Over 60 miles of bike paths meandering through scenic landscapes.

Cultural and Recreational Amenities

Hilton Head boasts a rich cultural scene and numerous recreational facilities:

Arts and Culture: The Coastal Discovery Museum and the Arts Center of Coastal Carolina provide cultural enrichment.

Dining and Shopping: A variety of upscale restaurants and boutique shops, particularly in areas like Shelter Cove and Coligny Plaza.

Family-Friendly: Mini-golf, nature centers, and family-oriented festivals and events.

Overview of Bluffton, South Carolina

Charming Small-Town Vibe

Bluffton offers a different kind of charm with its historic and quaint small-town atmosphere. Key highlights include:

Historic District: The heart of Bluffton, filled with preserved antebellum homes, art galleries, and charming boutiques.

May River: Opportunities for boating, fishing, and enjoying waterfront views.

Local Festivals: Events like the Bluffton Arts & Seafood Festival showcase the town's community spirit and vibrant local culture.

Modern Growth and Amenities

Despite its small-town feel, Bluffton has seen significant growth and development:

Shopping and Dining: The rapidly expanding commercial areas such as Buckwalter Place and Belfair Towne Village offer modern amenities while retaining the town’s character.

Residential Appeal: Family-friendly neighborhoods, excellent schools, and community parks make it an attractive place to live.

Comparing Lifestyle and Living

Cost of Living

While both Hilton Head Island and Bluffton are considered upscale areas, Bluffton generally offers a lower cost of living. Housing prices in Bluffton tend to be more affordable, and everyday expenses like groceries and dining out are slightly less expensive.

Community and Demographics

Hilton Head Island: Often attracts retirees and vacationers, creating a more transient population with a focus on leisure and relaxation.

Bluffton: Known for its growing community of young families and professionals, offering a more permanent residential vibe.

Education and Schools

Bluffton is often preferred by families due to its highly rated public schools and proximity to educational institutions. Hilton Head Island also has excellent schools, but the family-oriented community of Bluffton gives it a slight edge for those prioritizing education.

Accessibility and Transportation

Hilton Head Island: While it offers a serene, secluded environment, it can be slightly less accessible due to limited direct flights and the necessity of driving through Bluffton to reach the island.

Bluffton: Located on the mainland, it provides easier access to major highways and airports, making commuting and travel more convenient.

Ideal for Different Audiences

Who Should Choose Hilton Head Island?

Retirees: Seeking a tranquil, resort-like atmosphere with plenty of leisure activities.

Golf Enthusiasts: Attracted to world-class golf courses and luxurious amenities.

Vacationers: Looking for a picturesque getaway with beautiful beaches and recreational options.

Who Should Choose Bluffton?

Families: Prioritizing excellent schools, community activities, and a more permanent residential setting.

Young Professionals: Seeking growth opportunities in a developing town with modern amenities.

History Buffs: Interested in the town’s historic charm and cultural heritage.

Conclusion

Both Hilton Head Island and Bluffton, South Carolina, offer unique lifestyles and benefits. Your choice depends on your personal preferences, lifestyle needs, and what you envision for your perfect living or vacation destination. Whether you are drawn to the serene beaches of Hilton Head or the historic charm of Bluffton, both places promise an enriching and enjoyable experience.