LifestyleSan Juan Islands January 13, 2016

15 Islands You Need in Your Life: No Passport Required

CHECK OUT #11!

By
Deal Expert, Chicago

Stunning, shimmering sunsets across the water, the peaceful lullaby of waves crashing and the wind blowing, the feeling of truly being removed for your everyday life … yep, islands are pretty much the best. While it’s wonderful to get that coveted passport stamp, there are plenty of islands to escape to that don’t require a passport.

Here are 15 of our favorites.

NORTHEAST

1. Mount Desert Island, Maine

Home to Acadia National Park and the historic, upscale town of Bar Harbor, Mount Desert Island is 108 square miles of rocky coastlines, evergreen forests and crystal-clear lakes, not to mention some of America’s oldest luxuries. See for yourself why this stunning, glacier-carved landscape inspired the likes of Rockefellers, Fords, Vanderbilts and Carnegies to contribute to its conservation.

How to get there: Mount Desert island is accessible by car via Bar Harbor Road. Out-of-state visitors can fly into Bangor International Airport (an hour away), or fly into Hancock County-Bar Harbor Airport (15 minutes away).

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2. Shelter Island, New York

Located off the eastern tip of Long Island, Shelter Island is pretty much the Hampton’s charming, less high-maintenance little sister. One third of the tiny island is owned by the Nature Conservancy to protect its natural marshlands, and it is full of nature and bird-watching trails. The rest of the island boasts some of the oldest buildings in America. Shelter Island Heights is officially recognized on the National Register of Historic Places for its collection of rural residences that have remained essentially unchanged since 1872.

How to get there: Shelter Island is about a three- or four-hour drive from downtown New York via I-495 E. There are no bridges, so commuters must take the South Ferry to the island. Out-of-state visitors will find it easiest to fly into New York City and drive from there.

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SOUTHEAST

3. St. Simons Island, Georgia

Ranked as America’s No. 1 Favorite Beach Town in 2014, St. Simons Island offers “a triple threat of southern charm, serenity, and affordability” (Travel + Leisure). The 18-square-mile island amid the Atlantic is dotted with miles of pristine white-sand beaches, ancient oaks and lush green golf courses. A bike or trolley ride around the island delivers you to some of the area’s oldest plantations or to the iconic 1872 lighthouse.

How to get there: St. Simons Island is accessible by car via Torras Causeway. Out-of-state visitors can fly into Jacksonville International Airport or Savannah/Hilton Head International Airport (90 minutes away), or into the Brunswick Golden Isles Airport (20 minutes away).

Be sure to stay at The King and Prince Beach & Golf Resort, which is now offering $70 in exclusive extras for Travelzoo members.

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4. Ocracoke, North Carolina

Majestic wild ponies, 13 miles of pristine sand beaches and the oldest lighthouse on the East Coast — these are only a few of the highlights of Ocracoke, the outermost island of the Outer Banks. First settled by colonists in the 1750s, the island serves as a perfect place for seaside recreation, exploration and relaxation. It’s also a history-lovers paradise with its 250+ historic structures and Civil War artifacts.

How to get here: Ocracoke is only accessible by ferry, boat or small plane. Out-of-state visitors can fly into Norfolk International Airport or Newport News/Williamsburg International Airport — both are about two hours from the island.

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FLORIDA & CARIBBEAN

5. Amelia Island, Florida

An enchanting blend of French, Spanish, English and Mexican influences have shaped the landscape and culture of this 400+-year-old Florida island. Bask in 13 miles of Atlantic coastline, try your luck at one of the island’s gorgeous golf courses or take a horse-drawn carriage down 50 blocks of unique housing, shops and dining in the historic district of Fernandina Beach. Whatever you choose, you’ll understand why the island has consistently been recognized as one of the Top 10 Islands in the United States by Condé Nast Traveler.

How to get there: Amelia Island is accessible by car via FL-200. Out-of-state visitors can fly into Jacksonville International Airport (30 minutes away).

Stay at the 4-star Omni Amelia Island Plantation Resort and check out these awesome activities while you’re there.

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6. Key West, Florida

The combination of remote isolation, subtropical temperatures and breathtaking landscapes has made Key West the popular escape for everyone from Ernest Hemingway to Jimmy Buffet. Take a stroll down any of the island’s palm-lined streets and you’ll find century-old pastel gingerbread-trim homes, world-class seafood eateries, bars and small shops that call Key West home. Take to the water for some of the best fishing, diving, snorkeling and boating in the world.

How to get there: The easiest way to get to the island is to fly into Key West International Airport. Visitors can also access the island by luxurious cruise.

Be sure to stay at one of these hotels and check out these activities while you’re there.

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7. Vieques, Puerto Rico

Nestled just 7 miles off the east coast of Puerto Rico, Vieques is a Navy testing site turned beach resort oasis. Not only does this island have the brightest bioluminescent bay in the world and the largest natural wildlife refuge in the Caribbean, but it also has over 40 sand beaches. If that weren’t enough natural beauty for you, there’s also wild horses freely galloping on those beaches. Yep, it’s pretty much Puerto Rico’s best-kept secret.

How to get there: From San Juan International Airport, a 25-minute flight to Vieques starts around $220. Visitors can also fly to Vieques from San Juan Isla Grande airport. Or visitors can fly into Luis Muñoz Marín International Airport and then drive 55 minutes to Fajardo. From there, visitors can take the Vieques-Fajardo ferry, which will take about 90 minutes.

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8. St. John, US. Virgin Islands

In 1956, Laurance Rockefeller donated 5,000 acres of St. John’s land to the National Park service, making the island one of the most naturally unspoiled in the Caribbean. Today, visitors can revel in the unbelievable hills, beaches and bays that make up two thirds of the island or take to the bustling streets of Cruz Bay, the island’s main town. Whether you’re planning on staying in a world-class luxury resort or basic campground, you’re sure to become enthralled with the island’s history, culture and natural wonders.

How to get there: St. John doesn’t have an airport, so visitors must fly into the Cyril E. King Airport on St. Thomas and then continue to St. John by ferry or car barge.

The trip from the airport takes about 90 minutes. Cruises can also take visitors through the U.S. Virgin Islands.

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MIDWEST
(Yes, there are islands in the Midwest)

9. Isle Royale, Michigan

Isle Royale National Park is “a destination for the truly dedicated explorer” (National Geographic). Brave adventurers can trek rough and wild trails, encounter wolves and moose and make camp wherever they end their days — there are no designated campsites on this 45-mile-long island.

How to get there: The only way to get to the island is by boat or seaplane. The Thunder Bay International Airport in Ontario is the closest airport to Isle Royale.

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10. Mackinac Island, Michigan

Located just off the tip of the Michigan mitten in Lake Huron, Mackinac Island packs fascinating history, small-town charm and natural beauty into 3.8 square miles. The island is a National Historic Landmark having undergone extensive historic preservation and restoration, and it is known for its unusual ban on almost all motor vehicles – it hasn’t had cars on it since the 1890s. The island is also the site of one of America’s oldest state parks and some seriously delicious fudge. During peak season, 10 thousand lbs of fudge leave the island each day.

How to get there: The only way to get to Mackinac Island is to hop on the St. Ignace-Mackinac Ferry. Out-of-state visitors can fly into Chippewa County International Airport, drive about 40 minutes to St. Ignace and then take the ferry from there.

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WEST COAST & HAWAII

11. Orcas Island, Washington

Rolling hills, shimmering lakes, quaint hamlets and lush woodlands cover the 57 square miles of Orcas Island, known by locals as “the gem of the San Juans.” Hike, bike, horseback ride, swim or cruise — whatever you decide, you’ll be sure to encounter extraordinary natural beauty, wildlife, friendly people and that much needed breath of fresh air.

How to get there: The Washington State Ferry will take visitors from Anacortes to the island. Out-of-state visitors can fly into Seattle-Tacoma International Airport or Vancouver International Airport — both are about 75 minutes away.

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12. Catalina Island, California

Just 22 miles out from LA’s coastline, Catalina Island “gives you a glimpse of what undeveloped Southern California once looked like” (Fodor’s), with its quaint beach communities and unspoiled natural landscapes. The island’s access to the area’s unusually clean water also makes it a favorite of divers, snorkelers and kayakers, though other adventures like eco-themed zip lining are also available. Visitors and explorers of the island may notice the large population of bison on the island. Allegedly, a film crew brought bison to the island in the 1920s for a movie and left them, which is why there are over 200 roaming the island today. Catalina is also known for being the place where Mr. Wrigley brought his Chicago Cubs for spring training from the 1920s-1950s and for being the site of one of Marilyn Monroe’s homes.

How to get there: An hour long boat ride or 15-minute helicopter ride from San Pedro, Long Beach, Newport Beach or Dana Point delivers visitors to Catalina Island. Out-of-state visitors can fly into Long Beach Airport, John Wayne Airport or Los Angeles International Airport.

Be sure to stay at one of these hotels while you’re there. Or, check into La Paloma Las Flores, located just a six-minute walk from the beach, with our deal that saves 70% on current rates.

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13. Santa Cruz Island, California

With a portion of the island managed by the National Park Service and the rest being owned by the Nature Conservancy, Santa Cruz Island is a place of truly unique natural wonder. More than 600 types of plants, 140 kinds of land birds, 11 species of mammals, five types of reptiles and three species of amphibian call the 96-square-mile island home and so does one of the largest and deepest sea caves in the world. Maybe Darwin should have studied here instead …

How to get here: An Island Packer boat will take visitors from Ventura to the island. Out-of-state visitors can fly into Los Angeles International Airport and drive to Ventura (90 minutes away).

It’s important to note that there is no transportation available on the island — all areas must be accessed by foot, kayak or private boat.

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14. Kauai, Hawaii

Kauai is the oldest of the Hawaiian islands and boasts one of the most unique geographical landscapes in the world. The island is full of lush rain forests (a product of over 440 inches of rainfall each year) soaring mountains, steep sea cliffs, sandy beaches, coral reefs, small stretches of desert and even swamps. It’s no wonder the island has been the site of more than 50 movies, including “South Pacific,” “Jurassic Park” and “The Descendants,” and is considered an unparalleled treasure of the Hawaiian islands.

How to get there: The easiest way to get to Kauai is to fly into Lihue Airport.

While you’re there, save big with these hotels and deals.

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PACIFIC

15. Guam

Despite being just 200 square miles, Guam is the largest of the Mariana Islands and chock full of cosmopolitan charm and excitement. Walk the city streets and you’ll find a fascinating mix of Asian, European and Polynesian cultures not to mention gorgeous beaches and lookouts, delicious fusions of cuisine and fascinating glimpses into the island’s storied past. Fun Fact: You can reach a white sandy beach within 15 minutes from any point on the island.

How to get there: The easiest way to get to Guam is to fly into Antonio B. Won Pat International Airport – the flight is 12.5-hours long from California.

Note: In order to visit the island without a passport, you must get there without hitting a foreign port or place. It is also recommended that travelers bring a government issued photo ID and a copy of their birth certificate.

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BuyingFinancialHousing MarketSelling December 9, 2015

2016 Home Sales Will Be Best in a Decade, With Surprising Hot Spots, Realtor.com Predicts

CNBC

December 2, 2015

Total homes sales next year are expected to reach the highest levels since 2006 on the back of new construction and the existing housing market, Realtor.com reported Wednesday.

The report contains several surprises. Among them, Providence, Rhode Island, ranked as the hottest market for 2016, and millennials are expected to make up the biggest demographic of homebuyers next year.

Sales of existing and new home sales are expected to reach 6 million for the first time since 2006. The pace of growth of existing home sales and prices is expected to slow to 3 percent but remain strong overall. Meanwhile, new home sales are seen increasing 16 percent.

Realtor.com anticipates new home starts will increase by 12 percent.

And those new homes are becoming more affordable, Realtor.com Chief Economist Jonathan Smoke said Wednesday.

“What you’ve seen in the last couple of years is that builders have been avoiding that more affordable entry-level price point,” he told CNBC’s “Squawk Box.”

“We’re already seeing movement. Last week’s report on new home sales showed that the median new home price is finally coming down, and that’s a good sign that builders are positioning communities and product for a more affordable price.”

That is helping to draw in millennials, who are often viewed as absent from the housing market.

Americans ages 24 to 35 accounted for 30 percent of the existing home sales market in 2015, according to National Association of Realtors data cited by Smoke.

“That’s higher than it has been the last couple of years and trending towards normal, which is more around 36, 37 percent,” he said.

Smoke noted that Realtor.com’s top 10 hottest housing markets for 2016 contained other surprises, in addition to top-ranked Providence: St. Louis; New Orleans; and Virginia Beach, Virginia.

While all the areas on the list have strong economies or improving prospects, those four areas are about four years behind other markets in the recovery, and their economic outlook for 2016 is particularly strong, Smoke said.

LifestyleSan Juan Islands December 2, 2015

Just Hanging Out

This was taken by Diane from her home on Buck Mountain.

BuyingFinancial November 27, 2015

How to Survive the 4 Common Mortgage Killers

A lot of detailed documentation is required when applying for a home loan these days. You can expect to show everything from full tax returns, pay stubs, bank statements, to letters of explanation regarding credit, debt, income and assets. However, that leaves quite a bit of room for challenges to pop up. Here are four common roadblocks you may encounter in the mortgage underwriting process, and how you can fix them:

1. Changes in Your Income

Let’s say the underwriter determines – based upon your pay stubs and tax returns – that your income is lower than what the loan originator said it was. An easy way to offset that is a written verification of employment (VOE), which specifies and breaks down your income. This is especially important if you’re an hourly wage earner with fluctuating income – such as varying hours worked, bonuses, or overtime – that has not been consistent for most of the past two years.

2. Your Debt Eats Up Too Much of Your Income

You might encounter a problem if your consumer debts, such as student loans, credit cards and car loans, are just too large for the mortgage amount you’re applying for. If your debt-to-income ratio exceeds 45%, to still qualify, you’ll need to make a change in any of the following ways:
a. Reduce the payment on the mortgage
b. Reduce and/or remove the payments on the consumer loans
c. Re-evaluate the income

3. Paying Off Your Debt… the ‘Wrong’ Way

When you pay off consumer debts to qualify for a mortgage, the account(s) must be closed as well. This can be a problem, as closing credit cards can have a negative impact on your credit score.

An alternative option involves getting an updated credit report that shows that the debts are paid off in full without any payments due. The key is to make absolutely sure each creditor whom you paid off in full specifically reports to each credit bureau a zero balance and a zero payment due.

4. Negative Events on Your Credit Report

Lenders run each borrower through a comprehensive background screening through multiple fraud databases, which would identify any other problems that may arise – such as a short sale or any property you were tied to in the past seven years. If any other unaccounted-for properties pop up, documentation will be required to either show the property is no longer yours, or it was sold, or the carrying cost of that property would be factored into your debt-to-income ratio.

If you are not sure about something financially related to your loan application, just be sure to ask your Paramount mortgage banker. Should any unforeseen roadblocks pop up in your mortgage loan process, call your loan officer right away to explain the situation and get a read on what type of documentation will be needed to satisfy the condition and/or the problem. Our experienced loan professional can guide you through to a successful closing.

LifestyleSan Juan Islands November 24, 2015

Sun in the Madronas

taken by diane whitley

Housing MarketSelling November 21, 2015

It Pays to List in Winter

Spring may still be peak home-shopping season, since most families want to move when school is out. Yet it actually pays to list in the winter, when buyers tend to have more urgency. A study by online brokerage Redfin found that average sellers net more above asking price during the months of December, January, February, and March than they do from June through November, even in cold-weather cities like Boston and Chicago. And homes listed in winter sold faster than those posted in spring.

For a seller listing a home now, these ideas from money.com can help make a great cold-weather impression:

Price It Right

The quieter winter market brings special pricing considerations. Unlike in spring, when there are more shoppers, you’re less likely to receive multiple offers during the winter months. The best advice is to take a conservative approach and price at market value.

Schedule a Tune-Up

Winter buyers are particularly attuned to issues related to heating and maintenance. Get the furnace, HVAC, and roof inspected, and make any necessary repairs. Also on the to-do list: clean the gutters, change air filters, and weather-strip the windows.

Many cold-weather house hunters will also be thinking about heating costs. Consider low-cost upgrades like insulating the attic or installing energy-efficient windows, which can cut utility bills.

Brighten Your Home

Snow and gray skies make for a gloomy first impression. Warm up curb appeal with basic landscaping, and add inexpensive cool-weather plants like holly to invigorate outdoor space. Fix chipped paint, caulk windows, and repair cracked window seals, which can cause condensation that freezes over and looks bad.

Compensate for the season’s poor natural light by painting the house off-white throughout. It will set a consistent color palette and makes the space feel larger.

And create a sense of warmth throughout the home, starting with the living room, where staging can have the greatest impact, according to a NAR report. Items such as a throw blanket can set the tone of warmth and coziness. To stay neutral during the holidays, use seasonal touches like stacked wood by the fireplace rather than holiday decorations.

As always, de-clutter and depersonalize. It’s a good idea to put away family photographs so that buyers can see themselves living in the home; instead display pictures that show what the property looks like when the temperature is warmer, like the garden in full bloom or the backyard in the summertime. Just because it’s winter doesn’t mean buyers can’t appreciate what the home has to offer year ’round.

Thanks to Tammy Pollard for sending this to us.

LifestyleSan Juan Islands November 20, 2015

View from the Orcas Island Ferry

This was taken by Deborah Hansen, a broker in our Windermere Real EState/Orcas Island office.

Lifestyle November 20, 2015

Providing Food for the Holidays and the Rest of the Year.

It’s that time of year again when many of our Windermere offices are out in their communities helping to collect donations and raise money for their local area food banks. Many people rely on the food they get from food banks to feed their families. Not having the luxury to purchase their own food means that many families have to make do with what’s available at the time. You can help make the season brighter for these families by donating items that are needed most.

During the holidays, canned pumpkin and yams, cranberry sauce and box stuffing, can help families have at least some of the traditional holiday fare. Shelf-stable protein sources are also important, especially when families cannot afford to buy meat. Donate canned tuna, salmon, chicken, and other meats, or canned chili, soups and stews. Peanut butter, nuts and trail mix are also good choices. Pantry staples such as whole grain rice and pasta, oatmeal, flour, cooking oils, and canned vegetables are always needed. Perhaps the best way you can help food banks is to donate money because they have resources that allow them to stretch dollars to feed as many families as possible.

Please remember those in need this upcoming Holiday Season and donate to the food bank.

Lifestyle November 13, 2015

Dog Friendly Vacations

Did you know that according to Sunset magazine.  Orcas Island is the number 1 dog friendly vacation spot on the west coast?

Yeppers, it’s true!

Top 25 Dog-Friendly Vacations, From Beach Runs to Pup-Loving Bar Crawls

Top 22 dog-friendly vacations

You can take your best pal with you on these getaways around the West

Turtleback Mountain Preserve

Dog-friendly trips: Turtleback Mountain Preserve
Photo by John Clark; written by Bob Friel

Orcas Island, WA

Play: After (on-leash) hiking in Turtleback Mountain Preserve (sjclandbank.org), swimming the cool waters of North Beach(orcasislandchamber.com), and romping in Eastsound’s off-leash dog park (orcasdogpark.org), your pup will learn to love the sight of the island ferry (dogs ride free; wsdot.wa.gov).Stay: West Beach Resort ($; $18 per night pet fee; westbeachresort.com)has cabins on a ½-mile dog- and family-friendly beach.

COSTAL LIVING ALSO THINKS ORCAS ISLAND IS ONE OF THE BEST DOG FRIENDLY VACATIONS:

http://dailycatch.coastalliving.com/2015/11/12/dog-vacations-california-oregon-washington/?xid=socialflow_twitter

LifestyleSan Juan Islands November 3, 2015

Halloween on Orcas Island

One of the many reasons I love living on Orcas Island is Halloween. All the merchants in town decorate then pass out candy to all the little and big monsters! Fire pits are set up, hot apple cider is passed out, pumpkin carving and of course Trick or Treaters are everywhere. The costumes are inventive and the adults seem to have more fun than the kids!