Posts Tagged ‘boating’

NC Private Communities – Bald Head Island

January 9th, 2019 Comments off

If privacy and island living is what you are seeking, then Bald Head Island is right for you. As the southernmost island in North Carolinas cape islands, Bald Head Island is a 12,000 acre private island community accessible only by 20 minute ferry ride from Southport, North Carolina.

Beautiful luxury homes overlook thousands of acres of preserved lands and salt marshes. The only transportation on the island is electric golf carts and bicycles, which allow for a peaceful getaway from traffic with all the luxuries and amenities of other gated communities.

Bald Head Island features 14 miles of pristine, sandy beaches, an 18-hole championship golf course, two clubhouses, fitness facilities, tennis courts, swimming pools, a full-service marina, vast network of walking and biking trails meandering through the island, and a range of shops and restaurants.

Created by designer George Cobb, the championship 18 hole golf course at Bald Head Island is integrated into the islands marshlands, sand dunes, and marine woodlands. During the courses construction much of the preserved landscapes were left untouched.

Tennis players will love the four soft-surface tennis courts at Bald Head Island. The club house also has exercise rooms, mens and womens locker rooms, and a resort style swimming pool. There is also a second swimming facility at the Shoals Club that has a lap pool and kiddie pool.

The ten acre Bald Head Island harbor and marina has boat slips from 30 to 100 feet in length. From the marina residents have access to the Cape Fear River and the Atlantic Ocean.

If you love food, you can enjoy the casual and formal dining or shop at the islands grocery store for all your supplies you’ll need on your stay.

Bald Head Island has it’s own fire and police department. All the firefighters are certified paramedics, and the fire department has a basic medical treatment room in the case of medical need. If an emergency arises, transportation is available to one of the nearby hospitals on the mainland.

Customized residential houses, villas, town homes, and buildable home sites available to purchase through the islands realty agency. If you are looking to build your dream home, a featured builder program offers custom home plans to fit your needs. There is even a fractional ownership option available with prices beginning at $150,000.

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Improving Your Chances to Qualify for a Boat Loan

July 2nd, 2012 Comments off

1.Two years ago getting a boat loan was substantially easier than it is now, however is is not impossible to get one now. Following these seven tips should increase your chances at qualifying and getting your dream yacht.

1. Run your credit, with all three agencies. As Equifax, Experian, and Transunion may all come up with different results. You want to check to make sure that all the information is correct and that you opened every account that appears. If you find one that you didn’t open, you will need to submit forms to all three to dispute the creation of the accounts or the charges.

2. Understand how you FICO score is calculated. A FICO score can be improved by paying your bills on time, reducing your debt, and having ample credit space, especially zero balance accounts. A FICO score is the measurement of your financial stability.

3. Increase the amount that you put down on the loan. By showing that the bank will not be the only one who will commit financially to the loan, you are able to show them that you are more likely to repay it. 20% or more is best.

4. Understand the way that a bank looks at your history. Yes, a bank looks at credit scores and your down payment percentage, but they will also look into your job stability, cash reserves, previous payment history, and borrowing experience. This means that you should not expect a loan dramatically larger than anything you have gotten at before.

5. Gather your financial documents. In order to qualify for a loan, a lender will want to verify that you have the means to both pay back the loan and take care of the boat, including maintenance, insurance, dockage, and fuel, while you own it. In order to prove your financial status, you will need to provide the lender with two years of tax returns, current year to date income, and a balance sheet of current investments, cash, stocks, annuities, IRA’s, 401k’s, etc. Also, remember that many lenders will require you to insure the boat until you have paid off the loan, even if your state does not require insurance.

6. Know the debt to income rations that banks use to qualify loans. Banks do not usually loan to anyone who’s debt and expenses exceed 40% of their income.

7. Find the right company to represent you. Only a few lending institutions provide boat loans, and most independent brokers will request a loan quote with each of them. This means that having two agents will not help you (and can often hurt your chances of getting a good loan). It is important that you select an agent or brokerage that has a long history of dealing with yacht loan lenders and a good track record of successful loans. Remember, a good broker is your advocate.

Now is a great time to buy a yacht. There are ample opportunities to purchase yachts at that represent an exceptional value, or may have been previously unaffordable. Take the time to gather your documents, get “pre-qualified” for a yacht loan so you know that financing will not affect your negotiations or timetable to purchase.

How To Find The Best Boat Insurance Quote Online

May 23rd, 2012 Comments off

Once you know that you can get the best boat insurance quote if you just do three simple things, you should be happy as a clam because you know how important necessary a good boat insurance policy can be for the costs associated with owning one.

There’s no mystery about it. To obtain the best boat insurance quote, go online and find the many websites available to you. Be sure to furnish all the information about you and your boat that’s asked for, and make sure the information is accurate.

You’ll get a list of quotes from your research. To find the best boat insurance quote, check the features of each policy and maybe discuss them with a professional. Whittle it down to the top two or three companies once you’ve decided on the most reliable companies with the best policies. Then you can go on to choose your best boat insurance quote.

Your highest chance of getting the best boat insurance quote is to follow these three easy steps. You may find that you get more than one excellent quote; that’s even better because you will be able to compare them and choose the quote that best meets your needs.

Often, people try to compare a quote they’ve received to quotes others have obtained. However, because the shape your boat may be very different than a colleague’s boat, you can’t actually learn that much that way. In this case, you could end up with a less than ideal plan for yourself because your expectations have been skewed.

Boat insurance shouldn’t be a scary thing, in fact it’s easier then it seems. What you want to look for, is a company that will protect you from all damages, within your range and budget. They don’t easily fall in your lap of course, you need to be ahead of the game by doing research.

Spending time researching insurance quotes will definitely pay off in the long run. It seems there is a direct relationship between a boat insurance quote and getting a good insurance plan at a fair cost.

Want to find out more about how to get an appropriate boat insurance quote, then visit Mike Rogers’s site on how to choose the best boat insurance quote for your needs.