Feb 26 2009

Condo or House? Exploring the Differences in Ownership Part II

In regards to single family homes, exclusive ownership allows home owners to alter their home and surrounding property in nearly any way. While building codes may prevent certain home additions and other large-scale renovations, owners of single family homes can adapt their homes to meet their unique goals.

The owner of a condo is not always allowed to make such radical changes to their property. When purchasing a condo, owners are subject to the rules and regulations of the condo association or board. Typically composed of fellow residents, this governing body collects dues from condo owners to conduct ongoing maintenance of shared areas and perform any unexpected repairs. As part of the agreement with the condo board, new owners will be informed of what types of changes can be made to the interior and exterior of their property. In most cases, condo owners possess the same type of exclusive ownership inside their condos as homeowners, yet are limited in exterior alterations to maintain the uniformity of the community.

If you are thinking about purchasing a condo, it is important to read the Covenants, Conditions and Restrictions (CC&Rs) before making a commitment. These documents include all the rules condo owners must follow and can vary widely between complexes. If you have indoor pets or other specific needs, make sure these are addressed in the CC&Rs to prevent any unwanted surprises. If you don’t understand any part of the CC&Rs when purchasing a condo, you can try to gain clarification from the director of the condo association.

While the concept of shared ownership might seem limiting to potential owners, there are certainly plenty of benefits. For instance, the owner of a single family home is solely responsible for any problems with the properties, incurring all costs of needed repairs. However, the dues paid by condo owner cover many repair costs – both inside and outside the home. Furthermore, condo ownership can also provide access to amenities – such as pools, spas and recreation equipment – outside the budget of a home owner.

Regardless of location, either a single family home or a condo can be the right fit for the right family. To make the most informed decision, all prospective homebuyers should reflect on their own lifestyles and priorities and how they relate to the different types of property ownership. While there may be many differences between house and condo ownership, the goal is always the same – finding the best home for your family.


Feb 26 2009

Condo or House? Exploring the Differences in Ownership Part II

In regards to single family homes, exclusive ownership allows home owners to alter their home and surrounding property in nearly any way. While building codes may prevent certain home additions and other large-scale renovations, owners of single family homes can adapt their homes to meet their unique goals.

The owner of a condo is not always allowed to make such radical changes to their property. When purchasing a condo, owners are subject to the rules and regulations of the condo association or board. Typically composed of fellow residents, this governing body collects dues from condo owners to conduct ongoing maintenance of shared areas and perform any unexpected repairs. As part of the agreement with the condo board, new owners will be informed of what types of changes can be made to the interior and exterior of their property. In most cases, condo owners possess the same type of exclusive ownership inside their condos as homeowners, yet are limited in exterior alterations to maintain the uniformity of the community.

If you are thinking about purchasing a condo, it is important to read the Covenants, Conditions and Restrictions (CC&Rs) before making a commitment. These documents include all the rules condo owners must follow and can vary widely between complexes. If you have indoor pets or other specific needs, make sure these are addressed in the CC&Rs to prevent any unwanted surprises. If you don’t understand any part of the CC&Rs when purchasing a condo, you can try to gain clarification from the director of the condo association.

While the concept of shared ownership might seem limiting to potential owners, there are certainly plenty of benefits. For instance, the owner of a single family home is solely responsible for any problems with the properties, incurring all costs of needed repairs. However, the dues paid by condo owner cover many repair costs – both inside and outside the home. Furthermore, condo ownership can also provide access to amenities – such as pools, spas and recreation equipment – outside the budget of a home owner.

Regardless of location, either a single family home or a condo can be the right fit for the right family. To make the most informed decision, all prospective homebuyers should reflect on their own lifestyles and priorities and how they relate to the different types of property ownership. While there may be many differences between house and condo ownership, the goal is always the same – finding the best home for your family.


Feb 26 2009

Condo or House? Exploring the Differences in Ownership Part II

In regards to single family homes, exclusive ownership allows home owners to alter their home and surrounding property in nearly any way. While building codes may prevent certain home additions and other large-scale renovations, owners of single family homes can adapt their homes to meet their unique goals.

The owner of a condo is not always allowed to make such radical changes to their property. When purchasing a condo, owners are subject to the rules and regulations of the condo association or board. Typically composed of fellow residents, this governing body collects dues from condo owners to conduct ongoing maintenance of shared areas and perform any unexpected repairs. As part of the agreement with the condo board, new owners will be informed of what types of changes can be made to the interior and exterior of their property. In most cases, condo owners possess the same type of exclusive ownership inside their condos as homeowners, yet are limited in exterior alterations to maintain the uniformity of the community.

If you are thinking about purchasing a condo, it is important to read the Covenants, Conditions and Restrictions (CC&Rs) before making a commitment. These documents include all the rules condo owners must follow and can vary widely between complexes. If you have indoor pets or other specific needs, make sure these are addressed in the CC&Rs to prevent any unwanted surprises. If you don’t understand any part of the CC&Rs when purchasing a condo, you can try to gain clarification from the director of the condo association.

While the concept of shared ownership might seem limiting to potential owners, there are certainly plenty of benefits. For instance, the owner of a single family home is solely responsible for any problems with the properties, incurring all costs of needed repairs. However, the dues paid by condo owner cover many repair costs – both inside and outside the home. Furthermore, condo ownership can also provide access to amenities – such as pools, spas and recreation equipment – outside the budget of a home owner.

Regardless of location, either a single family home or a condo can be the right fit for the right family. To make the most informed decision, all prospective homebuyers should reflect on their own lifestyles and priorities and how they relate to the different types of property ownership. While there may be many differences between house and condo ownership, the goal is always the same – finding the best home for your family.


Feb 26 2009

Ocean Vibes - My First Scuba Dive Turks & Caicos Islands

Doing my first ever giant stride entry into THE OCEAN was as frightening for me as the thought of being thrown into a cage with hungry lions. As kids growing up, anything behind the reef and deeper than forty feet we called THE OCEAN and anything shallower we called THE SEA. Stepping up to the edge of the platform I was about to defy the legends that we had created among ourselves as youngsters, something that I’d been dying to do as well as something that I’d always dreaded. Snorkeling, bottom fishing, swimming and most water-related activities was always done either inside the barrier reef or just outside of it in three to 20 feet of water. Even at 17 years old, diving in 40 feet or deeper was a terrifying thought lingering at the back of my mind. On this day, though, I would face my fears head to head as I perched on the edge of the platform adjusting my equipment, clips of Jaws running through my mind, and procrastinating for as long as I could. When I could no longer hold up the rest of our group, I took my first stride into the kaleidoscope below, where the lovely shade of turquoise dramatically changes to navy blue at the edge of the wall. Engulfed by the warm water, I was immediately distracted by the plethora of hard and soft corals, sponges, sea rods and whips and the myriad of blues, reds, greens, purples and yellows of the curious fish staring at me from below.

Rarely do you happen upon a place where arid, desert-like conditions prevail on land, yet the coastline boasts some of the world’s finest un-crowded stretches of powder white, soft, sandy beaches and underwater landscapes so magnificent only photos could describe. This strange but awesome combination very accurately describes the Turks & Caicos Islands. Separated by a 22-mile wide, 7000-feet deep trench, these two island groups lay claim to the first Landfall of the Spanish Explorer Christopher Columbus in the new world. Visitors to these shores today are as awestruck as Columbus and his crew were when they first arrived and the Scuba Diving and snorkeling keeps them coming back time and time again.

Descending the safety line leading to the bottom I look around nervously hoping to see and not to see the legendary reef shark and at the same time enjoying the scenery, trying to make myself comfortable and deal with the overwhelming feeling of euphoria.

We swam off towards the edge of the wall and immediately encountered Scratch the grouper, who sat there patiently like a furry cat and allowed us to stroke him and tickle his chin. We were instructed on the manner in which this was to be done before we got off the boat and while hoping to encounter the friendly grouper at the same time thought that our instructor, Sally, was telling us lies to ease our anxiety and get us excited about the dive.

After Scratch had his fill of tickles and strokes, he swam off and we continued our swim before we got to the wall, which was only about 50 kicks away from the boat. We happened upon a 5-foot stingray asleep in the sand and stopped for a closer look. An experienced diver tagging along with us to photograph his wife doing her first ocean dive took a few close-up photos of the ray and off we were to the wall. The wall was not what I expected. Actually I’m not sure what I expected but it was eerie and exciting all at the same time, with a sheer slope from 30 to 120 feet almost as if it was beckoning me to go deeper. The visibility was easily 100 feet horizontally and equivalent vertically. A few minutes later, my instructor was pulling me back to the top of the wall to show me a large school of horse-eyed jacks encircling the rest of the group as they were all sporting silly smiles and turning as the jacks swam in circles around us. Because of the excellent water clarity, I had descended to forty-five feet by the time my instructor caught up with me. Needless to say, she gave me a slap on the wrist and always reminded me to watch my depth when diving again.

In all of the excitement I realized that I was getting down to 1500 PSI and after alerting my instructor we all started swimming back in the direction of the boat. Along the way, she pointed out flamingo tongue snails, a fingerprint cyphoma (never knew how rare it was; it took me three years to find another one) a tiny golden tail moray, a very big green moray free swimming in and out of holes trying to find a place to hide from the large Nassau Grouper pestering it, and as we sat around in the sand under the boat before ascending, the highlight of the entire day, a six foot Caribbean reef shark swam in from out over the wall and within ten feet of our group, making the girls squeal with a mix of delight and fear and me, the smallest guy in the group, hide behind Sally, our fearless leader. (She’s six feet tall.)

On the ride back to the resort, the stories never stopped and the six-foot JAWS was now eleven feet, not to mention the five-foot stingray which had grown to fifteen feet by the time we got to the dock. Needless to say, we were all hooked. I was certified the next week and after all of the necessary teaching programs and the guidance of Jaliyllah, Sally, David, Rick, Don and Skeeter, I was certified as a Dive Master a year and a half later and as an Instructor a year after my Dive Master’s training.

I am now a PADI and NAUI Instructor and proud owner and operator of Ocean Vibes Scuba & Watersports Ltd in Providenciales, Turks and Caicos Islands, taking discerning divers to the same dive sites that blew me away on my first dive and basking in the joy of their excitement during and after diving in and around the waters of Providenciales, Pine Cay, West Caicos, French Cay and the West Sand Spit in Beautiful Turks & Caicos Islands in the British West Indies.

www.oceanvibes.com

This article was provided to Coldwell Banker Real Estate Turks & Caicos by Wayne Hall, owner of Ocean Vibes.

www.coldwellbankertci.com.

Coldwell Banker - we never stop moving…..


Feb 25 2009

Chinese Eye Proposed Bahamas Project?

THE PROPOSED Baha Mar resort development for Cable Beach in Nassau, the Bahamas, is expected to be the focus of a visit by a Chinese delegation next week, according to the Bahama Journal.
Baha Mah, which is to develop prime Bahamas real estate on the Nassau coastline, suffered a blow last year when Harrah’s walked away from a joint partner venture.
Starwood Hotels, the second major partner in the Bahamas project, is said to have remained committed to the project.
Baha Mah CEO Sarkis Izmirlian says the Chinese delegation is expected next week, according to the Journal.
The Bahama Journal reports the delegation is expected to include reps from the China Exim Bank and China Development Company.
Izmirlian, reports the Bahama Journal, says the current slowdown provides a ‘once in a lifetime opportunity’ to build at a much lower cost, and to be in a position to open when the global recession ends.


Feb 25 2009

Chinese Eye Proposed Bahamas Project?

THE PROPOSED Baha Mar resort development for Cable Beach in Nassau, the Bahamas, is expected to be the focus of a visit by a Chinese delegation next week, according to the Bahama Journal.
Baha Mah, which is to develop prime Bahamas real estate on the Nassau coastline, suffered a blow last year when Harrah’s walked away from a joint partner venture.
Starwood Hotels, the second major partner in the Bahamas project, is said to have remained committed to the project.
Baha Mah CEO Sarkis Izmirlian says the Chinese delegation is expected next week, according to the Journal.
The Bahama Journal reports the delegation is expected to include reps from the China Exim Bank and China Development Company.
Izmirlian, reports the Bahama Journal, says the current slowdown provides a ‘once in a lifetime opportunity’ to build at a much lower cost, and to be in a position to open when the global recession ends.


Feb 24 2009

Meet Grand Bahama: our Coat of Arms, Bird, and Anthem

Bahamas Coat of Arms
The Bahamas’ coat of arms is a composition of things indigenous to these islands, while the motto “Forward Upward Onward Together” heralds to the direction and manner in which the Bahamian nation should move.

The crest of the arms, a light pink conch shell, symbolises the marine life of The Bahamas. The top of the crest is composed of wavy green palm fronds, symbolic of the natural vegetation. The Santa Maria, flagship of Christopher Columbus, appears on the shield of the coat of arms. Wavy barrulets of blue symbolise the waters of The Bahamas.

The shield is charged with a resplendent or radiant sun to signify the world-famous balmy resort climate, and it also connotes the bright future of these islands. A flamingo, the national bird, and a silvery blue marlin support the shield. The national motto is draped across the base of the coat of arms.

There was a national competition to produce the motto for the coat of arms, and the competition was won by two 11-year-old schoolchildren – Vivian F. Moultrie of Inagua Public School and Melvern B. Bowe of the Government High School in Nassau. (Resource: Bahamas.gov)

National Bird
Flamingo - Inagua is home to a large colony of West Indian Flamingos, National Bird of The Islands of The Bahamas. They live in the Great Inagua National Park, a sanctuary that comprises almost half of the island. In the 1950s, the birds were hunted to near extinction, numbering a mere 3,000. With the help of the National Audubon Society in the United States, the creation of the Bahamas National Trust and the appointment of park wardens, the Inagua population has grown.

Flamingos are still an endangered species, even though their numbers are now impressive. It is illegal to harm or capture this bird under the Bahamas Wild Bird (Protection) Act and there are stiff penalties for killing them. During late summer, autumn and winter the Flamingos fly off to Cuba, Hispaniola and the northern Bahama islands of Abaco and Andros. (Reference: Bahamas.com)

National Anthem
The National Anthem is a beautiful song by Timothy Gibson (1903-1978): March On, Bahama-Land (read the full anthem on TheBahamasGuide).

Read about all the symbols of the Bahamas on the BahamasGuide.


Feb 24 2009

Meet St Kitts and Nevis: our Flower, Bird, and Anthem

The National Flower

The national flower of St. Kitts and Nevis is the Poinciana or flamboyant, named after Monsieur de Poincy, the first French Governor of St. Kitts, who is said to have introduced it to the region . Its scientific name is Delonix Regia, and is said to have originated in Madagascar. The flamboyant is one of the most striking trees of the tropics, with its umbrella-shaped crown and its compound deciduous leaves, and red and yellow scalloped flowers followed by long, black seedpods. It blooms from May to August, and is generally used along roadsides or by itself. A fast-growing tree, it requires a deep soil but tolerates a dry climate.

The National Bird

The national bird of St. Kitts and Nevis is the brown pelican, whose scientific name is Pelecanusoccidentalis. In its youth, the brown pelican is brown on the head, neck, and upper parts of the body, and mostly white below. As it matures, the majority of the body becomes dark brown while the upper part of the head turns white. During the post-nuptial molt the adult’s neck turns white. The neck and head are not extended during flight. Brown pelicans are sometimes solitary feeders, but may also be found in small flocks as they feed on schools of fish at the surface of the sea. They can be found throughout the West Indies and in the sub-tropical regions of the Americas.

The National Anthem
Visit SKNVibes.com to read the words to the anthem. Many thanks to their resources for this information.


Feb 24 2009

Meet BVI: Our Islands - Tortola


Tortola, “land of turtle doves’ or Chocolate City, is the largest of the British Virgin Islands. It overlooks Sir Francis Drake Channel about 60 miles east of Puerto Rico. The East End Beef Island Airport. linked to the capital city of Road Town by the one-lane Queen Elizabeth Bridge, is the most popular point of entry for visitors. Road Town’s sheltered yacht-filled harbour provides a good glimpse of the laid-back BVI lifestyle.

Tortola Restaurants

Tortola offers visitors every sort of regional and international cuisine found in interesting settings of pastel-painted restaurants, former forts, and old sugar mills. Cuisine includes: West Indian specialties of fresh lobster, conch, turtle, spicy goat, and curries of every description, and an authentic English pub that serves Pusser’s Rum, traditional drink of the British Navy for 300 years.

Tortola Shopping

Shoppers can usually find bargains in perfume, jewellery, wine, and Wedgewood china in the stores along Road Town’s Main Street and Soper’s Hole, West End. Better known are the unique local products: antiques, silk-screened fabrics, intricate ship models, and watercolours by local artists.

Tortola’s Location

Tortola Is close to the other main island of BVI, Virgin Gorda, and to Jost Van Dyke. There is efficient ferry service to these nearby destinations.

(Resource: Virgin Islands Tourism Information)


Feb 24 2009

Meet the Bahamas: our Coat of Arms, Bird, and Anthem

Bahamas Coat of Arms
The Bahamas’ coat of arms is a composition of things indigenous to these islands, while the motto “Forward Upward Onward Together” heralds to the direction and manner in which the Bahamian nation should move.

The crest of the arms, a light pink conch shell, symbolises the marine life of The Bahamas. The top of the crest is composed of wavy green palm fronds, symbolic of the natural vegetation. The Santa Maria, flagship of Christopher Columbus, appears on the shield of the coat of arms. Wavy barrulets of blue symbolise the waters of The Bahamas.

The shield is charged with a resplendent or radiant sun to signify the world-famous balmy resort climate, and it also connotes the bright future of these islands. A flamingo, the national bird, and a silvery blue marlin support the shield. The national motto is draped across the base of the coat of arms.

There was a national competition to produce the motto for the coat of arms, and the competition was won by two 11-year-old schoolchildren – Vivian F. Moultrie of Inagua Public School and Melvern B. Bowe of the Government High School in Nassau. (Resource: Bahamas.gov)

National Bird
Flamingo - Inagua is home to a large colony of West Indian Flamingos, National Bird of The Islands of The Bahamas. They live in the Great Inagua National Park, a sanctuary that comprises almost half of the island. In the 1950s, the birds were hunted to near extinction, numbering a mere 3,000. With the help of the National Audubon Society in the United States, the creation of the Bahamas National Trust and the appointment of park wardens, the Inagua population has grown.

Flamingos are still an endangered species, even though their numbers are now impressive. It is illegal to harm or capture this bird under the Bahamas Wild Bird (Protection) Act and there are stiff penalties for killing them. During late summer, autumn and winter the Flamingos fly off to Cuba, Hispaniola and the northern Bahama islands of Abaco and Andros. (Reference: Bahamas.com)

National Anthem
The National Anthem is a beautiful song by Timothy Gibson (1903-1978): March On, Bahama-Land (read the full anthem on TheBahamasGuide).

Read about all the symbols of the Bahamas on the BahamasGuide.