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stories-from-peter · 7 months

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An Unfortunate Coincidence

When Barb and I were first married we both had good jobs and indulged ourselves in some ways. Barb had always wanted a horse and I had loved sailing ever since I was a teenager at summer camp. Barb found her dream horse and spent much of her free time riding. I found a small sail boat that came with a trailer we could tow with our little car. Barb’s family had a cabin in Point Roberts where I parked the trailer with easy access to the sea.

Thanks to a generous mother-in-law, Barb and I were able to take a trip to Hawaii when we had been married about two years. Barb’s parents took a vacation in Hawaii every year and told us all the best hotels to stay at and the best places to visit. We spent a week on Oahu swimming, surfing, and visiting all the usual tourist spots. Barb noticed an ad for windjammer cruises and suggested we sign up for one. We would get to travel on an older sailing ship like the ones that used to sail across the Pacific and Atlantic oceans carrying grain and other goods. Dinner and unlimited drinks were included in the price.

The day of our cruise we climbed on a bus full of tourists along with several other bus loads all headed for a cruise. A Hawaiian girl came on the bus and announced that the bigger ship was over booked and could some people go on the smaller ship. Barb raised her hand and volunteered. The “smaller” ship turned out to be a 90 foot staysail schooner called the Salee which at one time was the Vanderbilt family yacht. It had a solid teak hull and gold faucets in the bathrooms among other things. The Hawaiian girl escorted us onto another bus and later made sure we got seats next to the bar on the Salee. She also spoke to the captain of the Salee about us volunteering to travel on his ship.

We were under way in a short time and the bar was already open when we were seated. I was thoroughly enjoying the experience enhanced with a few drinks from the bar. I was surprised to be introduced to the captain who walked back to the bar to meet us volunteers. I was also surprised to learn he was from Saskatchewan, which is about as far as you can get from any ocean. I felt compelled to tell him I had a sailboat. I neglected to say it was 12 feet long. He invited to me to take the helm of the Salee. How could I refuse?

I managed to keep the Salee on course, aided by a few reminders from the captain, for much longer than I expected. My duties came to an end when dinner was served. Barb had been entertained watching an older couple slowly getting plastered with a steady stream of selections from the bar. Not long after dinner we heard that the woman of the couple had vomited her dinner over the gold faucets of one sink.

After two weeks we had to return home. We noticed the older couple from the cruise were on the same flight back to Vancouver. In those days security at airports was very loose. Passengers waiting for luggage mixed freely with people meeting arriving travelers. On arrival in Vancouver Barb saw her friend Sandy and her new boyfriend waiting near the baggage carousel. Barb had to tell Sandy all about our adventures in Hawaii, including the tale of the lady on the cruise. Barb pointed out the couple to Sandy just as Sandy’s boyfriend spotted his parents. To our horror we all realized that Sandy’s friend and Barb were pointing to the same people.

#windjammer #drunk #airport

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prettyhopelessfools · 5 years

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U.S. bucket list

Bucket list:

Alabama

◦ celebrate mardi gras in mobile

Alaska

◦ See the northern lights- (Alaska)

◦ take a cruise (Alaska)

Arizona

◦ swim in the havasu falls pools, (Arizona)

◦ Grand Canyon (Arizona)

Arkansas

California

◦ cable cars (san Francisco)

◦ Lombard street (san Francisco)

◦ fisherman’s wharf (san Francisco)

◦ Alcatraz (san Francisco)

◦ walk across golden gate bridge (san Francisco)

◦ pier 39 (san Francisco)

◦ union square (san Francisco)

◦ china town (san Francisco)

◦ city hall (san Francisco)

◦ mission murals (san Francisco)

◦ 16th avenue stairs (san Francisco)

◦ Marshall’s beach (san Francisco)

◦ golden gate park (san Francisco)

◦ twin peaks (san Francisco)

◦ palace of fine arts (san Francisco)

◦ Japanese tea garden (san Francisco)

◦ museum of ice cream (san Francisco)

◦ redwood national park (California)

◦ balboa park (san Diego)

Colorado

◦ xgames

Connecticut

Delaware

Florida

◦ Boat ride in the everglades (Florida)

◦ south beach (Miami)

Georgia

◦ coca cola factory (Atlanta)

◦ savannah (Georgia)

Hawaii

◦ hike up diamond head state monument (Hawaii)

◦ Oahu (Hawaii)

◦ (Hawaii) volcanoes national park

◦ north shore, Oahu

Idaho

Illinois

◦ try deep dish pizza (Chicago)

◦ navy pier (Chicago)

◦ millennium park (Chicago)

Indiana

Iowa

Kansas

Kentucky

◦ Kentucky derby

Louisiana

◦ French quarter (New Orleans)

◦ mardi gras (New Orleans)- Louisiana

◦ before I die wall (New Orleans)

Maine

Maryland

Massachusetts

◦ Salem (Massachusetts)

◦ visit cape cod (Massachusetts)

Michigan

Minnesota

Mississippi

Missouri

◦ gateway arch (st louis)

Montana

◦ glacier national park (Montana)

Nebraska

Nevada

◦ the seven magic mountains (Nevada)

◦ death Vegas (Nevada)

◦ Las Vegas (Nevada)

◦ Burning man (Nevada)

New Hampshire

New Jersey

◦ Atlantic city (new jersey)

New Mexico

◦ serene santé fe (New Mexico)

◦ international balloon fiesta (New Mexico)

New York

◦ Niagara Falls (New York)

◦ enjoy jazz in Harlem

North Carolina

North Dakota

Ohio

Oklahoma

◦ drive the talimena national scenic byway

◦ go to the burn co barbecue in Tulsa

◦ Wichita mountains wildlife refuge

◦ turner falls

◦ blue hole

◦ sipokni west- western town

◦ take a picture of the love statue

Oregon

Pennsylvania

◦ liberty bell (Philadelphia)

Rhode Island

South Carolina

South Dakota

◦ mount Rushmore (south Dakota)

Tennessee

◦ see a country show in (Nashville)

◦ smokey mountains

Texas

Utah

◦ Zion National park (Utah)

◦ Moab

Vermont

Virginia

Washington

◦ pike place market in (Seattle)

◦ space needle (Seattle)

Washington dc

◦ the Lincoln memorial and MLK memorial (Washington dc)

◦ (Washington DC)’s cherry blossoms in spring

◦ the white house (Washington DC)

◦ national mall (Washington dc)

West Virginia

Wisconsin

Wyoming:

◦ Swing by Grand Prismatic Spring in Yellowstone National Park

no specific location:

◦ American ranch

◦ watch the rodeo

◦ watch nascar

◦ Ride a vespa

◦ ride in the back of a truck

◦ travel by myself

◦ go to a drive-in movie

◦ get to an intermediate level of French

◦ learn how to use tarot cards

◦ get to a beginners level of Spanish

◦ grow my sales on depop to 2000 by the end of the year 2020

◦ start doing yoga atleast 3 times a week

please send me more ideas or your own bucket list

#bucket list #bucketlist #america #usa #inspiration #help #u.s.#before i die #american bucket list

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fredahahn95-blog · 4 years

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auto insurance oahu

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duncanbarker-blog · 5 years

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Planning a trip to Hawaii is something many people dream of. With its stunning beaches, dramatic volcanic landscapes, and lush green hills, it’s one of the most beautiful places we’ve visited but also the most expensive.

While we do think the islands are worth the high price, to make the most of your stay, it’s essential to plan in advance.

These tips will help you plan the perfect trip to Hawaii.

Best Island to Visit in Hawaii

Hanalei Bay in Kauai

Choosing the best island to visit is one of the most challenging parts of planning a trip to Hawaii. They are all diverse with lots to offer, so it just depends what you are looking for.

Most visitors to Hawaii visit one of these four islands:

Oahu – The most visited and developed island is home to the large city of Honolulu and the famous and very crowded Waikiki Beach. You can surf huge waves on the North Shore and visit the museum and memorials at Pearl Harbour. You’ll find the most shopping, dining, and nightlife options here. It’s the easiest island to get around by public transport.

Maui – The second most visited island has beautiful beaches, world-class whale watching, and the Road to Hana drive where you can see waterfalls, bamboo forest, and red and black sand beaches. You can also watch the sun rise above a volcanic crater and visit wineries and lavender farms in Upcountry. There’s a wide range of resorts, dining, shopping, and activities as well as natural attractions.

Big Island – The largest island is the youngest, so it’s not as green as the other islands and has more lava landscapes. If you want to see an active volcano, this is the island to visit. The landscapes are incredibly diverse from beautiful white sand beaches to snow-capped mountains.

Kauai – Known as The Garden Isle, Kauai is the most lush and green of the islands. The jagged green cliffs of the stunning Napali Coast are the big draw, but there are also lovely beaches, waterfalls, and multi-coloured canyons. A helicopter ride over the island is spectacular, and there are plenty of hiking trails. Kauai has become popular, but it isn’t as developed as Maui or Oahu.

Kauai’s Napali Coast

If you are looking to get off-the-beaten-track, you could consider visiting one of these smaller, much less visited islands:

Molokai – Known as The Friendly Isle, on Molokai you’ll find a slow pace of life and more native Hawaiians, but less choice of accommodation and activities. It’s also home to the leper colony of Kalaupapa, which I became fascinated with after reading a couple of these Hawaii books.

Lanai – For many years Lanai was a pineapple plantation and it’s now home to a few luxury resorts. If you want to enjoy the secluded beaches without the high price tag, the ferry from Lahaina on Maui only takes an hour so you could visit on a day trip.

The character of each island also depends on which part you visit. All the islands have a rainy side where the scenery is lush and green and a dry side where you’ll usually get more sun. They are both worth visiting, which is why we decided to split our island stays between two or three locations.

We had 3.5 weeks in Hawaii and chose to divide our time between Kauai and Maui, with one night in Honolulu before our flight to Japan. We loved them both, and there’s so much to do on each island that we’re glad we didn’t try to add in an extra island.

We plan to visit the Big Island and maybe Molokai on our next trip, although we’d also happily return to Kauai and Maui.

For more details on our trip, see our Maui itinerary and the best things to do on Kauai.

Our friends Tom and Jenny have visited the Big Island many times and share their favourite things to do.

The black sand beach at Waianapanapa State Park, Maui

Before You Arrive in Hawaii

Save up – Hawaii is expensive and you’ll enjoy it more if you aren’t worrying about every penny. We spent $267 per person per day including everything except flights from the mainland US. You could spend less by travelling in the off season, choosing non-beachfront accommodation, and skipping pricey tours. You could also spend a lot more by staying in luxury resorts and eating out for every meal.

Visit in the winter to see humpback whales – We were astounded by how many we saw in Maui in February. January to March are the best months, but you might see a few from November to May. Winter weather can be cooler and rainier, but we still had mostly sunny days and the ocean is swimmable year round.

Visit in the off season to save money – In the spring (April and May) and autumn (September to mid-November), the islands are less crowded, prices are lower, and the weather is excellent.

Book your accommodation far in advance – Especially if you are travelling in the high season, want an ocean view, or are travelling to places like Hana or Upcountry on Maui where accommodation is limited. We searched for options on Booking, Airbnb, and VRBO.

Consider a condo rather than a resort – For families, stays of a week or more, and for those on a budget, renting a condo with a kitchen is a great way to save money. There are many to choose from and some have resort facilities like pools and beachfront locations. We stayed in condos for most of our stay and Kiahuna Plantation on Poipu Beach in Kauai was one of our favourites.

Kiahuna Beach

Search on Kiwi for the best flight deals – The cheapest rates will be from Los Angeles or other West Coast cities. Southwest now flies to Hawaii at low rates. You can also get affordable flights from Asia (especially Japan) to Honolulu.

Fly in and out of different islands – Maximise your time on the islands by flying into one island (such as Kauai) and out of another (such as Maui). I was surprised by how many affordable direct flights there are from the US mainland to places other than Honolulu.

Rent a car – It’s the best (and often only) way to get around. At busy times they can run out, so book far in advance. We used Rental Cars to find the best deal and just booked the cheapest economy car.

Consider splitting your time between two or three locations on each island – If you want to do a lot of exploring, this will help avoid long drives to attractions. We did this on Kauai and Maui and it worked out well.

Red Sand Beach in Hana

Book Haleakala sunrise in advance – If you want to see Maui’s most popular sunrise, you must book up to 60 days in advance. If you miss out, try again two days before when more tickets are released.

Bring reusable shopping bags – Plastic bags are banned on the islands.

Pack a sweater – While most of the time you’ll only need summer clothing and beachwear, it can get chilly on morning boat trips or if you go to higher elevations (like Upcountry in Maui or Waimea Canyon on Kauai) especially in the winter. Sunrise at Haleakala is literally freezing and you’ll appreciate as many layers as possible.

Bring spices – If you are self-catering, you’ll save money by bringing a small amount of spices with you. We bought some at the bulk-buy section of a supermarket on the mainland.

Pack hiking sandals – We wore these all the time and they were perfect for beaches and hiking. Many beaches have rough access trails so you’ll appreciate something more than flip-flops. Simon wore the Teva Terra Fi Lite sandals and I have the Merrell Terran Lattice sandals.

Learn a few Hawaii words – Even if it’s just Aloha (hello and goodbye but also love and compassion) and Mahalo (thank you). I picked up vocabulary by reading the astounding novel Shark Dialogues by Kiana Davenport (which I highly recommend every visitor reads).

Don’t

Plan to visit more than one island per week – You’ll spend too much of your precious vacation time travelling and there’s so much to do on each island.

Forget hidden fees – The listed price for hotels and resorts is rarely what you’ll actually pay. You’ll have to add tax and often a resort fee, cleaning fee (for condos), and parking charge. Check the final total price when comparing accommodation options.

Visit during holidays – Try to avoid the busiest times of year, especially Christmas and New Year when crowds and prices soar. Thanksgiving week is another busy time. If you must visit then, book far in advance.

Stay on the beach (maybe) – If you are on a tight budget you’ll save by staying a short walk or drive from the beach. Airbnb is a good place to look for budget accommodation. That said, we splurged on beachfront accommodation and loved it.

Sunset at Kiahuna

In Hawaii

Read novels set in Hawaii – Learn more about Hawaii’s fascinating culture and turbulent history by reading one of these books about Hawaii while you relax on the beach.

Schedule your most important activities early – Weather can change and cancel activities like boat trips and helicopter rides, so make sure you’ll have time to reschedule.

Waterfalls in Kauai from a helicopter

Use reef-safe sunscreen – Hawaii has banned the sale of sunscreen that uses coral-harming chemicals. You can pick some up from Longs Drugs, which we found surprisingly affordable.

Sign up to the Snorkel Report on Maui – You’ll get an email every morning with tips on the best beaches to visit that day. They also rent inexpensive snorkelling and beach gear.

Check the Hawaii Beach Safety website – To find out which beaches are safe for swimming or best for surfing. The Kauai Explorer Surf Report is also useful.

Go whale watching – It was one of our favourite experiences in Hawaii. We chose a small boat trip with Makai Adventures from Lahaina in Maui and loved it so much we went twice.

Hike – All the islands have beautiful trails from easy coastal walks to challenging multi-day treks. It’s a great free way to enjoy the beauty of the islands.

Hiking the Pipiwai Trail in Maui

Rent a Tommy Bahama beach chair and umbrella – Our condos came with these, but you can rent them on the islands inexpensively. They have backpack straps for easy carrying and make beach hopping much more comfortable.

Visit a farmer’s market – The fresh produce is usually cheaper and better quality than the supermarkets and there are lots of tasty treats and foodie souvenirs to enjoy.

Cool off with shave ice – This delicious icy treat is so much better than we expected. Add a scoop of macadamia ice-cream on the bottom for maximum tastiness.

Enjoy a Mai Tai on the beach – Touristy yes, but it’s a classic Hawaii experience and these tasty rum cocktails come in cool Tiki glasses.

Drive the Road to Hana on Maui – Most people do this in one day, but we loved spending a few nights in Hana to explore without the crowds.

Wai‘anapanapa State Park is a Maui highlight

Eat all the banana bread – Especially in the Hana area, homemade banana bread sold at farm stalls is so good.

Indulge in chocolate-covered macadamia nuts – We were addicted to the ones by Moana Loa.

Let local drivers pass you – They know the winding roads better than you and drive at a faster pace, so pull over and let them pass.

See Kauai from above – Our doors-off helicopter trip on Kauai was mind-blowing.

Don’t

Eat in restaurants for every meal – Restaurants are expensive and by self-catering in our condo we saved a huge amount of money. Even if you don’t have a kitchen, you can pick up a pre-made picnic lunch from a supermarket and enjoy it on the beach. Some of our tastiest meals were from food trucks which are far cheaper than restaurants. Hana in Maui and Hanalei in Kauai had the best selection of trucks.

Underestimate the ocean – Conditions can be dangerous and change quickly and drownings do happen. If you’re not sure it’s safe, don’t swim.

Turn your back on the ocean – Huge waves can come out of nowhere when you are swimming or even walking along the shore.

Fight a rip current – If you get caught in a current, keep calm, float, and wave for help. Go with the current and conserve your energy.

Touch sea turtles or monk seals – You are likely to come across wildlife on the beaches, but it’s illegal to get too close or touch them.

Monk seals and humans share Poipu Beach on Kauai

Trespass – Please respect private property. While all beaches are open to the public, they don’t all have public access routes.

Litter – Don’t leave anything behind on beaches or hiking trails.

Steal any rocks or sand.

Touch or step on coral.

Leave valuables in your car – And keep any luggage hidden out of sight in the trunk.

Laugh at the hula – It’s not just a dance for tourists, but a serious part of local culture.

Refuse a lei (flower garland) – It’s a symbol of affection and Aloha so wear it with gratitude and don’t take it off in front of the person who gave it to you.

Wear shoes into someone’s house.

Rush – Don’t feel the pressure to do everything. Make sure you allow time just to relax by the pool or on the beach. Slow down and enjoy these beautiful islands.

I hope this post helps you plan a trip to Hawaii. Let me know if you have any questions below. You can also read these other Hawaii posts:

The Ultimate Maui Itinerary: The Best of Maui in 7 to 14 Days

17 Stunning Road to Hana Stops & Why You Should Stay in Hana, Maui

Where to Stay in Kauai: The Best Areas and Hotels

17 Unmissable Things to Do in Kauai

A Doors Off Helicopter Tour on Kauai: Is It Worth it?

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chocolateheal · 6 years

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Most Effective Ways To Overcome Chocolate Place Of Origin’s Problem | chocolate place of origin

When Angela Villa was a adolescent growing up in southern Florida, her parents were actual austere about what the ancestors ate and thus, amber was not accustomed during Angela’s childhood. She couldn’t alike go trick-or-treating for that reason.

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So what does she do as an adult?

Angela is a chocolatier and co-owner of Garden Island Amber on Hawaii’s Kauai island. She and her bedmate were the aboriginal on the island to abound and autumn cacao and about-face it into amber for bartering purposes. Three mornings a week, they advance cacao acreage tours teaching mainlanders and amber lovers the aerial art of growing cacao.

Loving Angela’s alienated choices and to abutment my own addiction to chocolate, I active up for one of her tours during our aftermost appointment to Hawaii. It was a rainy, mild day and my beard coiled mercilessly, but her bout was a alluring acquaintance for this Southern Illinois acreage babe to apprentice about a crop that alike my brother, an Illinois adept farmer, could not accomplish abound in our ample allotment of the world.

Cacao harvest

Cacao grows alone in an breadth about 20-degrees arctic or south of the equator. The island of Kauai is the best arctic abode in the apple area it grows.

As we absolved through a garden that included Jackfruit and assistant trees, acai award and abundant added blooming plants, we abstruse that the blazon of admixture about a cacao timberline influences the acidity of the chocolate. Citrus peels, boilerplate accouterment and the shells of cacao beans accomplish a abundant mulch. We additionally abstruse that cacao is an “understory plant,” acceptation that it grows beneath the awning of added trees.

“Cacao is happiest aback it is amidst by added trees,” Angela told us. “It’s a actual brittle bulb so accompaniment plants are all-important to assure it from abundant wind and rain.”

I anticipation about the airiness of those plants as Hurricane Lane formed the Hawaiian Islands this accomplished August and hoped that the storm didn’t accident the cacao crop too badly.

A batter of amber requires about 400 amber beans. There are about 30 beans per pod and a mature, advantageous timberline produces about 100 pods. The cacao autumn in Hawaii runs amid December and February.

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We visited in November, so Angela accustomed us to scrape the alfresco of the cacao pod to see if it was accessible for harvest. Not quite. We again ashamed the shells to acknowledge the beans. A complete pod, which can be red or yellow, is about the admeasurement of a football and feels a bit like one as well.

After the garden tour, we tasted Angela’s amber and she helped us accept the flavors we were experiencing, not clashing a wine tasting. But here’s a tip: accompany affluence of tissues or Wet-Ones. Amber tasting in the calefaction and clamminess of Hawaii can get appealing messy. It melts all over your aperture and your hands.

Visit during a amber festival

Several places throughout Hawaii, including the National Tropical Botanical Garden aloof beyond the artery from Garden Island Chocolates, abound cacao and action tours. On the Big Island (Hawaii), the Original Hawaii Amber Factory in Keauhou-Kona offers hour-long tours that, in my opinion, are focused added on affairs you amber than teaching you about cacao.

If you appointment Hawaii in April, analysis for the exact dates of the anniversary Big Island Amber Fest, an accident that includes agronomics seminars, comestible demonstrations and more.

Another anniversary is the anniversary Hawaii Amber Anniversary on Oahu in mid-October. This is a one-day accident afterwards a acreage tour, but amid the speakers are cacao growers who allocution about the agronomical apparatus of creating a aged accumulation of chocolate.

As you are tasting amber throughout the Hawaiian Islands, you will apparently appointment article alleged Donkey Balls.

We were active forth Highway 11 against Kona on the Big Islands aback our son yelled from the aback seat, “Dad, we accept to stop!”

Fearing car sickness, we pulled over as anon as we could and appropriate into a parking atom in advanced of a assurance for “The Original Donkey Balls.”

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It was that sign, not car sickness, that was the account of our son’s outburst.

Despite its somewhat blue name, we bound abstruse that Donkey Assurance are a aperitive amber bonbon that does bifold assignment by administration a allotment of Hawaiian history.

The adventure starts with Karl and Lisa Ellis, mainlanders who confused to Hawaii Island in 2008. They bought a coffee boutique in the boondocks of Kainaliu, about 10 afar from Kona, and Karl began experimenting with amber recipes.

As the Ellises became added affianced with the community, they abstruse of the Nightingale donkey, a audible brand that was acclimated for ancestors in the bounded coffee and macadamia nut harvest.

Macadamia basics abound on copse in a round, blooming bark that looks like a ball. As the donkeys came bottomward from the abundance accustomed baskets of those blooming balls, workers would alarm out “donkey balls” to active added workers that a amount of macadamia basics would anon be at the barn to be processed.

Today’s Donkey Assurance affection a macadamia nut amidst by layers of amber and added coatings. Amid their best sellers are Blue Balls, Salty Assurance and Prickly Balls. The Prickly Assurance accommodate pineapple. There are additionally monkey balls, dupe assurance and craven balls.

The success of Donkey Assurance in the accomplished decade has aggressive copycats throughout the Hawaiian Islands. Unfortunately, the Ellises and their advocate accept abstruse that “Donkey Balls” is not a trade-markable term, although “Original Donkey Balls” is trademarked.

“Our advocate was able to brand ‘Numb Nuts,’” said Lisa. “He was actual appreciative of himself afterwards that one.”

Caring for Nightingale Donkeys

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The use of Nightingale Donkeys in the bounded macadamia and coffee autumn concluded about brief afterwards Apple War II. The surplus of jeeps no best bare by the aggressive artlessly was added efficient. In abounding cases, the donkeys were larboard to roam wild. Over the years, the donkeys accept reproduced to such numbers that, at times, they accept become a nuisance and assurance hazard for bounded association as they eat gardens, abort manicured lawns and aberrate assimilate the roadways, abundant like agrarian deer do in the Midwest.

Therefore, a cardinal of accomplishment and acceptance programs, including the Humane Society, abode the needs of the Nightingale Donkeys. A allocation of the sales of Original Donkey Assurance supports abounding of these programs.

A cup of java

We met a Nightingale Donkey alleged Charlie a few afar on bottomward the alley at the Kona Coffee Living History Farm. This is a charge stop for anyone who has anytime had a cup of coffee.

The armpit interprets a aeon in the backward 1800s, about the time coffee was alien to Hawaii by the Japanese. If you like, bandage on a lauhala blade bassinet and aces your ample of ablaze red berries. Yes, accomplished coffee beans are alleged berries. The copse abound to about eight anxiety tall, so you’ll additionally be accustomed a pole to grab a annex and cull it against you in adjustment to ability the accomplished berries on the tree.

Most Kona coffee is produced on baby ancestors farms of aloof a few acreage each. There are about 800 baby farms in the Kona commune that accomplish about two actor pounds of coffee beans anniversary year. The harvest — all done by hand — is from August to January.

Hawaii’s Big Island is the alone abode in the United States area the altitude is the absolute aggregate of calefaction and damp bare for Arabica coffee beans to grow. Specifically, the altitude is begin aural a bandage aloof a few hundred yards advanced about 1,500 anxiety aloft sea akin on the Hualalai and Mauna Loa abundance slopes, authoritative Kona coffee rare, adorable and yes, rather expensive.

If you appetite some acumen into avant-garde coffee production, stop in at Tom Greenwell’s acreage a few afar further bottomward the road. His 100-acre coffee acreage has been in the Greenwell ancestors back the 1850s. Tom’s great-grandmother buried 100 of these copse by duke aback she was 70 years old. The acreage now has about 65,000 trees, but great-grandma’s copse are still bearing berries.

Tom’s job is to alike tours of the acreage and explain avant-garde day coffee production. One of the abundant sins of the world, according to Greenwell, is a aphotic buzz coffee.

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“When you buzz the beans too aphotic or too hot, you alpha tasting the carbon and not the coffee,” he says. And don’t alike ask him about autumn coffee in the refrigerator, a bitter sin in Greenwell’s book.

For austere coffee drinkers, plan your Hawaii vacation in November to alike with the Kona Coffee Festival, ten canicule abounding with parades, art shows, aliment and coffee pairings, and added contest to asperse visitors in the coffee culture.

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davidoespailla · 6 years

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Never Pay For a Hotel Again: Savvy Travelers Swap Their Homes Instead

iStock; realtor.com

Vacations are supposed to be relaxing. But by the time you’ve booked your travel, found the perfect place to stay, and then forked over a small fortune for that fancy hotel or Airbnb stay, the getaway has become more stressful than it would have been to just stay home.

That’s why more people are turning to home swapping. Again.

The practice of home swaps began in earnest back in the 1950s. But now it’s been given a new, gig-economy-type makeover, making it easier then ever for wanderlust-ridden folks to pull off. Over the last decade, a slew of home-swapping websites, like GuestToGuest and Love Home Swap, have cropped up. These sites allow travelers from all over the world to connect and arrange stays in fully furnished homes, in some cases equipped with gourmet kitchens, pets and even a car—without exchanging a cent (most sites charge an annual fee). That’s the premise of more than 70 home exchange websites, which allow homeowners (and renters, with permission from their landlords) to trade their homes for days, weeks, even months at a time.

The only catch: Participants must allow strangers to vacation in their own residences. Are free accommodations in far-flung locales worth a stranger sleeping in your bed, soaking in your tub or thumbing through whatever you haven’t locked away? For some thrifty folks, the answer is a resounding yes.

The practice has allowed retired social worker Gerri Molettiere to live abroad for free, doing 20 exchanges in nine countries since 2010 in Spain, Costa Rica, Iceland, and Ireland through HomeExchange.com. The site charges a $150 annual fee.

Listing a home for swap is a lot like listing a home for sale: You post pictures of your place on an exchange website, along with some info about your home and yourself. Then you browse other homes and correspond with their owners to negotiate swap dates and details.

Trades might be simultaneous, where each participant swaps homes for the same period, or delayed, with one set living with the other as guests in a spare room or guest house. Some sites, such as GuestToGuest, allow swappers to exchange points instead of visits in their homes. Members earn points for hosting travelers and can use them when they stay in someone else’s home.

To many, it’s a more immersive way to experience a new place.

“I like being in a house because you slow down your pace,” says Molettiere, 67. “You take your time and enjoy where you are.”

Gerri Molettiere swaps her Colorado home for accommodations all over the world.

The oldest of the swapping companies, HomeLink USA and Intervac, were founded in 1953, long before the internet. Back then, members would have to browse catalogs of homes and write actual letters (sent through the post office!) to arrange exchanges. The web, obviously, simplified the process.

GuestToGuest, founded in 2011, is now the largest platform, boasting a network of more than 413,000 homes in 187 countries. It purchased its biggest competitor, HomeExchange, which has more than 65,000 listings in 150 countries, last year. (The sites are still run separately.)

But size isn’t everything in home swapping—and specialty sites abound. Some are tailored for those in certain professions, such as airline employees (Airline House Exchange) or teachers (Teacher Home Swap). Others have age or religious restrictions. And then there are sites for folks seeking homes near ski resorts (IVHE.com), or in certain countries.

Would you let a stranger sleep in your bed? Frequent home swappers Syd and Joie Galloway on a trip to Siesta Key Beach, FL.

Syd and Joie Galloway

But while the new online process may require less effort, there’s an old-fashioned stumbling block to home-swapping for many folks: the fact that a total stranger will be using their space while they’re not around.

But unlike Airbnb or other pay-to-stay websites, the people signing up for exchanges have some skin in the game—namely, their homes and possessions.

“The only way to participate in this is to offer your own home to other people, and so it tends to attract a very honest, respectful clientele,” says home swapper Andrew Rich, 60, of San Francisco. Most sites offer insurance, and can also arbitrate disputes.

Then there’s the fear that swaps will fall apart—perhaps at the last minute.

Syd and Joie Galloway, a Washington, DC-based couple in their 70s, estimate they’ve done more than 140 home swaps over 30-plus years, and only once did an exchange fall through. They called their swap partner shortly before their scheduled trip to Hawaii, and found out that her husband had just died. The Galloways contacted HomeLink, the swap service they were using.

“In no time, at all they found us another host and exchange in Oahu, HI. … We ended up exchanging with that family four times,” says Syd Galloway.

But while people have relatives to visit and weddings and conferences to attend all over, the reality is that those living in big cities or hot vacation destinations are more easily able to arrange swaps.

“I could live in France for the next year if I wanted to, because so many people there want to stay at my house,” says Betsy Hicks, a self-employed 52-year-old with a centrally located, two-bedroom apartment in San Francisco.

A new way to make friends

The pleasures of home swapping may extend beyond the vacation itself. Something about staying in someone else’s home really creates a bond—and for many swappers, the relationships they build are an essential part of the appeal.

“We stay in close contact with our partners during the exchange and that’s part of the fun too, seeing them enjoy your area,” says Weston.

The Galloways keep a scrapbook of their travels and the folks they’ve met along they way. It comes in handy when they hear from them again, sometimes a decade later.

As Joie Galloway says: “You should see our Christmas card list.”

The post Never Pay For a Hotel Again: Savvy Travelers Swap Their Homes Instead appeared first on Real Estate News & Insights | realtor.com®.

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enchantingmilkshaketraveler-blog · 7 years

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samuelfields · 7 years

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Investing Lessons From A Surreal 2017

At the beginning of the year, I decided to track my investments with a detailed spreadsheet because my cash flow was increasing and I wanted to make sure the money was being properly deployed based on my risk tolerance. If I force myself to think for hours about how to invest my money, hopefully I won’t rashly spend it on completely wasteful things such as a sports car that can’t fit a baby seat or a vacation property I’ll hardly ever use.

On the flip side, ever since the housing crash I’ve had a heightened fear of losing money, especially since I haven’t had a job since 2012. It takes around three years as an entrepreneur to feel confident you won’t starve on the streets, especially if you become a parent during the process. As a result, I tended to hoard cash, which is suboptimal in a bull market.

This post will go over my investment thought process by category for 4Q2017 and conclude with some investing lessons learned about the year. The goal of tracking our investments is to try and take full advantage of a bull market in a risk appropriate way.

Financial Samurai 4Q2017 Investment Review

In summary, I mobilized a total of $2,263,319 into various investments in 2017. $750,000 of the $2,263,319 was invested in conservative investments (bonds, mortgage pay down, and home improvement) that should return 4% or more gross a year. The remaining $1,510,000 was invested in riskier assets with a target return of between 8% – 18%. My goal is to achieve a 10% total annual return, but will gladly settle for 8%.

The $2,263,319 invested was largely helped by a rental home sale in June 2017, which gave me ~$1,788,000 in proceeds ($2,740,000 sale price). Due to declining rents, expensive valuations, potentially rising mortgage rates, higher property taxes, potentially negative tax policy changes, PITA tenants, better investment opportunities, and less time due to a newborn, I thought it best to sell one of three properties in CA.

Overall, I reduced my risk exposure by $476,681 and increased my cash position by $450,000. Despite the decrease in exposure and increased balance sheet, I still have synthetic full exposure to risk assets due to $1,092,000 of remaining mortgage debt from my primary residence and vacation property rental.

Real Estate

Because I wanted to see if I could find a winter property deal, I held onto a lot of cash. I found two homes that I liked, but the sellers wouldn’t entertain my low ball offers. I wasn’t even sure I’d be happy with the purchase even if they did accept my offer because of all the maintenance and tenant issues I’d have to deal with again. For example, one home had a serious leak in the garage that kind of gave me a little PTSD from all the leaks I experienced at my old rental house.

By Dec 1, I realized I was never going to buy another property in San Francisco again, so I decided to invest another $300,000 in the RealtyShares domestic equity fund after meeting up with the team again for dinner. Since the summer, the fund invested in a flex-industrial deal in Chicago MSA, a multi-family in Phoenix, a strip mall in Orlando MSA, and a multi-family in Canyon Lake, TX.

Although a total of $800,000 in real estate crowdfunding sounds like a lot, I view it as buying a $800,000 portfolio of 12+ different properties across the country at much lower valuations and much higher net rental yields compared to having $2,740,000 in one very expensive rental property in San Francisco that is now at risk of depreciating due to declining rents and new tax legislation that limits mortgage interest deduction and SALT deduction.

The next physical property I will buy will be a primary residence in Oahu. The plan is to move back to Oahu within the next five years before my son starts kindergarten. I really like the idea of buying physical property to personally enjoy, and then renting it out years down the road if you have the funds and the desire to move. If the rental experience goes well, I’ll keep the property. If not, I’ll sell it and follow my BURL real estate investing strategy.

Stocks: Bought The Dips

In October, I started getting excited about the potential passage of a tax plan that would lower taxes for large corporations and businesses like mine with pass-through income.

As a result, I invested more aggressively into stocks because I felt the market would respond favorably if the plan passed. Further, my desire to buy another property kept going down. Corporate earnings are estimated to get a 8% – 10% boost and small business with pass-through income might see an even larger gain.

The timing of this tax plan is fortuitous given I’ve spent 8.5 years building a lifestyle business that has now reached a level where it will benefit from tax changes. Nothing has made me more bullish than business tax reform, which is why I need to keep my emotions in check through this investment review process.

Finally, I superfunded my son’s 529 plan with $70,000 while his mom and grandma contributed $14,000 each. We figured this would be a good method to diversify contributions since once you superfund, you can’t contribute for four years. It’s good 529 plan owners have the flexibility to use the proceeds for grade school education now.

See: How The New Tax Plan Will Ruin Your Life If You’re Not Careful

Bonds: A Positive Surprise

Bonds performed well in 2017 with the the long-bond index fund TLT up ~10%. My California muni bond positions are up ~3.5% + ~4.5% gross adjusted yield for a total gross gain of about 9%. Not bad given I was just looking for around a 4% gross gain.

Once the 10-year bond yield gets back to its 12-month high of 2.6%, I’ll be looking to buy more bonds again. I see a 3% cap on the 10-year bond yield for 2018.

Related: The Case For Bonds: Living For Free And Other Great Benefits

Mortgage Pay Down

If you add on the $815,000 of mortgage debt I paid off by selling my rental house, I’ll have paid off a total of $921,000 of mortgage debt in 2017. It feels fantastic to have almost a million dollars less in debt, even if the interest rate was low. By consistently paying off random chunks of extra principal throughout the year, it was easy to pay down an additional $106,646 in principal.

I’ve still got about $1,092,000 in mortgage debt to pay down between my vacation property and my primary residence. I certainly don’t need so much cash, but I want to continue legging into risk assets just in case there’s some type of downturn or a change in my lifestyle.

My plan is to pay off my vacation property mortgage by 2023. I probably won’t pay off my primary residence within five years because I need as much cash as possible to buy our future dream residence in Hawaii.

Related: Pay Down Debt Or Invest? Follow The FS-DAIR Framework

Everything Else

I’ve committed $200,000 to my friend’s second venture debt fund. They’ve called $96,219 within one year. I expect them to call the remaining $103,781 by the end of 2018. The fund’s objective is to earn a 15% – 20% IRR. Based on the performance of his first fund, a more likely return of 10% – 13% should be expected.

It felt great not having to do any home improvement projects since 1Q because we now have a baby who requires precious sleep. Any disruption of sleep would have been infuriating for all of us since my wife and I were like zombies for the first three months.

Finally, out of the $611,000 in stock investments, $50,000 of that was in highly speculative investments that have surprisingly done well.

Related: How To Make Speculative Investments Without Losing Your Shirt

Main Lessons Learned From Investing in 2017

My biggest mistake was not being more aggressive investing in the stock market at the beginning of the year. I didn’t have as much liquid cash because I hadn’t sold my rental house yet, but it was the Trump presidency and high valuations that gave me hesitation. I wasn’t too hopeful about tax reform either.

My best move was selling a rental house for 30X gross annual rent before the SALT deduction got limited to only $10,000 and redeploying the capital in properties around the country trading at just 10-14X gross annual rent. Life feels so much better not having to deal with housing issues anymore. It’s also nice to worry less about natural disasters.

Here are several lessons from 2017 that may help you become a better investor.

1) Try to look beyond the politics and focus on fundamentals. Given I live in San Francisco, I know plenty of people who decided to pull much of their money out of the stock market at the end of 2016. They were so blinded by their hatred of Donald Trump that they missed out on huge gains.Generally speaking, deregulation and lower taxes are good for business, which is good for business investors. Further, in my mind employment was already on the upswing and interest rates would remain accommodative.

Unless our politicians actually reform laws, there is often a disconnect between how much investors believe our politicians can do and how much they can actually do. Reduce risk if you wish. But don’t get out of risk assets completely.

2) Real estate is an easier investment over stocks. How can this be when stocks just went up ~19%? Having to reinvest my home sale proceeds was exhausting. If I didn’t have weekly reminders to invest, I wouldn’t have because of the uncertainty of what to invest in, the timing of the investment, and the actual act of deploying capital. Every investment I make gives me a little bit of anxiety due to my fear of losing money and looking like a buffoon.

With real estate, despite the leverage, all you’re doing is enjoying your home or collecting rent checks (if you’re lucky). When you’re just living, you aren’t questioning every single investment you make. Therefore, for most people who are too busy to track the market, owning real estate over the long run is an easier path to wealth. Despite my terrible tenants, the $1 million of equity gain from 2012 – 2017 was the easiest investment money I’ve ever made.

If you don’t have enough money to buy real estate, then owning an S&P 500 index fund over the long term is fine too. Just know that the longer you rent, because of inflation, the longer you will regret your decision. Inflation is an unstoppable beast that will eat you alive.

3) Think in percentages over absolute dollars. Because I had never invested more than $500,000 a year in my life, having nearly $1.8M to re-invest was intimidating. But as soon as I started breaking the investment amount into percentages, deploying capital became easier.

Find out what each asset class is as a percentage of your net worth and calculate what each new invest is as a percentage of your investable assets and net worth. This exercise is particularly helpful for frugal people whose wealth has far outstripped their spending habits.

4) Stick to an investment framework no matter what. Once you’ve decided how much you can comfortably invest each month and what type of asset allocation is best for you, execute your plan without fail. It is almost always the case you will be surprised by how much you end up accumulating or how much debt you end up paying down over time.

Wrapping Things Up

Overall, according to the final weekly personal investment performance e-mail I get from Personal Capital, my public investments returned ~15% in 2017. I’m happy with the results because my total capital exposure is significant for how much we spend. Further, my goal after leaving work was to earn a 4% – 6% tailwind a year while I build a lifestyle business.

It’s really hard for me to take on more risk because of my fear of having either one of us go back to work during the crucial first five years of our son’s life. At the same time, I can’t help but want to take full advantage of the bull market while it lasts. The further I can run up the score, the bigger the buffer during the inevitable recession.

Finally, one positive surprise I experienced this year was that once I elongated my investment time horizon to 20+ years due to the birth of my son, I became much more at peace with my risk exposure. Surely by 2037, asset prices will be higher. To invest for someone’s future feels wonderful.

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Investors, how did your public investments treat you in 2017? For those of you who have retired or reached financial independence, how have you structured your investments so that you can sleep well at night while also benefitting from the bull market? Graphic by https://ckongsavage.com

The post Investing Lessons From A Surreal 2017 appeared first on Financial Samurai.

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ronaldmrashid · 7 years

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Investing Lessons From A Surreal 2017

Financial Samurai 4Q2017 Investment Review

Real Estate

Stocks: Bought The Dips

In October, I started getting excited about the potential passage of a tax plan that would lower taxes for large corporations and businesses like mine with pass-through income.

See: How The New Tax Plan Will Ruin Your Life If You’re Not Careful

Bonds: A Positive Surprise

Once the 10-year bond yield gets back to its 12-month high of 2.6%, I’ll be looking to buy more bonds again. I see a 3% cap on the 10-year bond yield for 2018.

Related: The Case For Bonds: Living For Free And Other Great Benefits

Mortgage Pay Down

Related: Pay Down Debt Or Invest? Follow The FS-DAIR Framework

Everything Else

Finally, out of the $611,000 in stock investments, $50,000 of that was in highly speculative investments that have surprisingly done well.

Related: How To Make Speculative Investments Without Losing Your Shirt

Main Lessons Learned From Investing in 2017

Here are several lessons from 2017 that may help you become a better investor.

Wrapping Things Up

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The post Investing Lessons From A Surreal 2017 appeared first on Financial Samurai.

from https://www.financialsamurai.com/investing-lessons-from-a-surreal-2017/

#Financial Samurai

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noisycollectordinosaurblr-blog · 7 years

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How purchase House In Western Australia

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ghostlynachoalpaca-blog · 7 years

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Investing with Your Future: Buy House In Bulgaria!

This will likely be the first opportunity to examine the house without furniture, giving just clear take a look at everything. Check the walls and ceilings carefully, as well as any work owner agreed to try and do in step to the examination. Any problems discovered previously that you find uncorrected should be brought up prior to closing. It's the seller's responsibility to fix them. Well, though it may be true that some agents have lost excess weight and experienced to tighten their belts just like everyone else, the good agents are keenly aware of the excellent deals that are out here. They are the ones to turn to allow you determine an individual We Buy Houses On Oahu right away. They are on the phone, sending emails, and educating their clients about will be happening available and on real estate market. Learn to barter - Haggling is the American solution. If you buy anything that does not have access to a ticket price pasted upon its front, (and many that do), perform negotiate. Think I'm kidding around? Think about it backwards. If you listed you house for sale, do believe that buyers will walk up and full selling? Doubtful. What if you listed your car for sale in Auto broker magazine, potential buyers will every single day negotiate. Possess a rare coin to sell you are going to negotiate. Not making use of the extra honor points and in some cases emblems. sell house oahu is a better way of farming rare metal. WotLK however, has brought the opportunity of turning your excess badges or honor right into gold. How is in which possible. Well, for each emblems and honor items, you buy epic gems which you'll sell at the Public sale house. Currently, if you have gotten extra Emblems of Frost, it's also possible to obtain Primordial Saronite and sell them for numerous gold. But if that required waited for a very long time, consider and evaluate what's incorrect why can there be no inquiries or a phone call with regard in buying your . Though you have agents that work to sell your house, you ought to check when you are selling expenditure is too high, that may causing regarding delay in selling your own home. Conduct a meeting to your agents and ask for some recommendation on what you should do and ask what might be best price that will be able to offer provide your house in timely manner. Sell My House Fast Oahu Condos in DC currently range from well under $100,000 in order to under $200,000 for a single bedroom condo near Columbia Heights City. Studio condos are just the tools for first time home promising buyers. Those close to the metro in DC prepared for $180,000 in Glover Park, $225,000 in Cleveland Park, and $260,000 a new condo right near U path. The sell a house in hawaii ideal thing to do when pricing an FSBO home would be to compare it with similar houses online. The key here, of course, would try to find homes which can as similar as easy to yours possess recently sold or are still on current market. You will desire to make sure, of course, that houses are from the same, at least in a similar, neighborhood, before you look at anything else.

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duncanbarker-blog · 5 years

Photo

While we do think the islands are worth the high price, to make the most of your stay, it’s essential to plan in advance.

These tips will help you plan the perfect trip to Hawaii.

Best Island to Visit in Hawaii

Hanalei Bay in Kauai

Choosing the best island to visit is one of the most challenging parts of planning a trip to Hawaii. They are all diverse with lots to offer, so it just depends what you are looking for.

Most visitors to Hawaii visit one of these four islands:

Kauai’s Napali Coast

If you are looking to get off-the-beaten-track, you could consider visiting one of these smaller, much less visited islands:

We plan to visit the Big Island and maybe Molokai on our next trip, although we’d also happily return to Kauai and Maui.

For more details on our trip, see our Maui itinerary and the best things to do on Kauai.

Our friends Tom and Jenny have visited the Big Island many times and share their favourite things to do.

The black sand beach at Waianapanapa State Park, Maui

Before You Arrive in Hawaii

Visit in the off season to save money – In the spring (April and May) and autumn (September to mid-November), the islands are less crowded, prices are lower, and the weather is excellent.

Kiahuna Beach

Red Sand Beach in Hana

Bring reusable shopping bags – Plastic bags are banned on the islands.

Bring spices – If you are self-catering, you’ll save money by bringing a small amount of spices with you. We bought some at the bulk-buy section of a supermarket on the mainland.

Don’t

Plan to visit more than one island per week – You’ll spend too much of your precious vacation time travelling and there’s so much to do on each island.

Sunset at Kiahuna

In Hawaii

Read novels set in Hawaii – Learn more about Hawaii’s fascinating culture and turbulent history by reading one of these books about Hawaii while you relax on the beach.

Schedule your most important activities early – Weather can change and cancel activities like boat trips and helicopter rides, so make sure you’ll have time to reschedule.

Waterfalls in Kauai from a helicopter

Use reef-safe sunscreen – Hawaii has banned the sale of sunscreen that uses coral-harming chemicals. You can pick some up from Longs Drugs, which we found surprisingly affordable.

Sign up to the Snorkel Report on Maui – You’ll get an email every morning with tips on the best beaches to visit that day. They also rent inexpensive snorkelling and beach gear.

Check the Hawaii Beach Safety website – To find out which beaches are safe for swimming or best for surfing. The Kauai Explorer Surf Report is also useful.

Go whale watching – It was one of our favourite experiences in Hawaii. We chose a small boat trip with Makai Adventures from Lahaina in Maui and loved it so much we went twice.

Hike – All the islands have beautiful trails from easy coastal walks to challenging multi-day treks. It’s a great free way to enjoy the beauty of the islands.

Hiking the Pipiwai Trail in Maui

Visit a farmer’s market – The fresh produce is usually cheaper and better quality than the supermarkets and there are lots of tasty treats and foodie souvenirs to enjoy.

Cool off with shave ice – This delicious icy treat is so much better than we expected. Add a scoop of macadamia ice-cream on the bottom for maximum tastiness.

Enjoy a Mai Tai on the beach – Touristy yes, but it’s a classic Hawaii experience and these tasty rum cocktails come in cool Tiki glasses.

Drive the Road to Hana on Maui – Most people do this in one day, but we loved spending a few nights in Hana to explore without the crowds.

Wai‘anapanapa State Park is a Maui highlight

Eat all the banana bread – Especially in the Hana area, homemade banana bread sold at farm stalls is so good.

Indulge in chocolate-covered macadamia nuts – We were addicted to the ones by Moana Loa.

Let local drivers pass you – They know the winding roads better than you and drive at a faster pace, so pull over and let them pass.

See Kauai from above – Our doors-off helicopter trip on Kauai was mind-blowing.

Don’t

Underestimate the ocean – Conditions can be dangerous and change quickly and drownings do happen. If you’re not sure it’s safe, don’t swim.

Turn your back on the ocean – Huge waves can come out of nowhere when you are swimming or even walking along the shore.

Fight a rip current – If you get caught in a current, keep calm, float, and wave for help. Go with the current and conserve your energy.

Touch sea turtles or monk seals – You are likely to come across wildlife on the beaches, but it’s illegal to get too close or touch them.

Monk seals and humans share Poipu Beach on Kauai

Trespass – Please respect private property. While all beaches are open to the public, they don’t all have public access routes.

Litter – Don’t leave anything behind on beaches or hiking trails.

Steal any rocks or sand.

Touch or step on coral.

Leave valuables in your car – And keep any luggage hidden out of sight in the trunk.

Laugh at the hula – It’s not just a dance for tourists, but a serious part of local culture.

Refuse a lei (flower garland) – It’s a symbol of affection and Aloha so wear it with gratitude and don’t take it off in front of the person who gave it to you.

Wear shoes into someone’s house.

Rush – Don’t feel the pressure to do everything. Make sure you allow time just to relax by the pool or on the beach. Slow down and enjoy these beautiful islands.

I hope this post helps you plan a trip to Hawaii. Let me know if you have any questions below. You can also read these other Hawaii posts:

The Ultimate Maui Itinerary: The Best of Maui in 7 to 14 Days

17 Stunning Road to Hana Stops & Why You Should Stay in Hana, Maui

Where to Stay in Kauai: The Best Areas and Hotels

17 Unmissable Things to Do in Kauai

A Doors Off Helicopter Tour on Kauai: Is It Worth it?

Enjoyed this post? Pin it!

#039;s #hawaii #hawaiitrip"

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mamosefan · 7 years

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cottagenecessitiesblog · 7 years

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My daughter loves to entertain….

A real chip-off-the-old-block, she grew up with parties.

When who was 9 years old, it was a blustery, wet day in Sacramento and she wanted to play with her friends.

She came up with the brilliant idea of having a skating party in our single car garage.

We cleared, cleaned, and decorated it with crepe paper ribbons and balloons, set up the record player, and invited all of the kids in the neighborhood.

With the garage door open, the sound track from the movie “Grease” playing, the kids enjoyed skating in circles while the rain poured down just outside, at her impromptu party.

Fast forward 30 years, and she continues to have, Burger parties, full moon parties, Halloween, Christmas, and Hanukah parties, but on a larger scale, and usually all inclusive with her friends and their partners and children as well.

Many of these parties are made on the spur of the moment or only a week in advance.

This time, we are coming in behind two days of garage sale-ing to divest her of some furniture from a storage unit, and there are boxes all over the house that need to be stored.

I suggested that she post-pone the party, but she had already committed to her friend to have a natural skincare product line called Pure Mana from the big island of Hawaii, and it’s owners (organic farmers of coffee and macadamia nuts) fly in to be showcased at the party, and the invitations had already been sent out.

Apparently, the warehouse for the cosmetic line had been destroyed in a huge fire, with all of the merchandise along with it. So, friends in Oahu, got together, and volunteered flowers, catering, and my daughter, the use of her home for the party.

Undeterred, we carry on with the plans to have the house ready for guests.

This slideshow requires JavaScript.

Update:

The party was a success.

Everything fell into place.

There were more than 40 people attending.

It was a lovely evening had by all.

This is not an affiliate for the product. All opinions expressed are my own.

Thank you for visiting Cottage Necessities. Please sign up so you don’t miss a post.

30 Days of Gratitude….Day 7….. My daughter loves to entertain.... A real chip-off-the-old-block, she grew up with parties. When who was 9 years old, it was a blustery, wet day in Sacramento and she wanted to play with her friends.

#body care #coffee #Health #holistic #macadamia nut oil #natural skin care #pure mana cosmetics

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christophergill8 · 8 years

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Amazon tax-free shopping ends nationwide on April 1

When Amazon starts collecting sales tax from internet buyers in Hawaii, Idaho, Maine and New Mexico on April 1, it will mean the online retailer will be a tax collector for all 45 states and the District of Columbia that have the levies.

No, it's not a bad April Fools' joke targeting online shoppers. On this April 1, Amazon really will start collecting state sales taxes nationwide.

The Seattle-based internet retailer already was adding the tax line to invoices in most of the 45 states and District of Columbia that have sales (or similar) taxes.

Now, final deals have been struck between the online giant and Hawaii, Maine and New Mexico. There goes my plan to have my Amazon goods shipped to my cousin in Las Cruces!

From no way to OK: Back in 2008 when New York became the first state to demand Amazon collect and remit sales tax to Albany, the online retailer challenged the law. But a series of court battles went the Empire State's way.

Other state lawmakers and tax departments soon followed New York's remote sales tax collection lead.

Amazon at first resisted, ending its connection to affiliate sellers in some states.

But the revenue-hungry states held firm for the most part. Or they opted to provide Amazon with its own tax breaks to build distribution facilities within the states. Those structures provided the necessary physical nexus required by the 1992 U.S. Supreme Court ruling in Quill.

A more recent Supreme Court decision is seen as the catalyst of this latest rush by Amazon to strike tax collection deals with the few states where it didn't collect sales taxes. In December 2016, the justices refused to hear a challenge to Colorado's so-called tattletale sales tax collection law, letting the controversial statute stand.

Under the Colorado law, companies have the choice of sending buyer info to state tax officials so they can seek applicable sales taxes from resident buyers. Or the companies can collect the sales tax and remit to the state.

Amazon apparently decided the sales tax collection was easier.

Final few states added: Amazon also apparently decided just to run the sales tax collection table. Since the start of 2017, the online seller has agreed to collect sales tax in 10 states.

When April 1 arrives, the final three — OK, it's technically four, but I blogged about the imminent Idaho sales tax online collection last weekend — Amazon sales tax-free states will be part of the tax collection ranks.

Again, I've got to remind folks who are ticked off that this is not a new tax. States with sales taxes have use taxes. These levies, which typically are the same rate as your sales tax, mean you owe the tax on an item you bought elsewhere, either physically while traveling or from a catalog or online, and brought back to your home state to use.

But since consumers are not very compliant here, states have tried for years to get the out-of-state sellers to serve as their tax collectors. In a few days, that will be Amazon with its shipments to U.S. customers.

Here's the scoop on these final additions to the Amazon tax fold.

Hawaii: Technically, Hawaii doesn't have a sales tax. Instead, it collects a general excise tax (GET) from the Aloha State's businesses. Customers, however, will tell you that they pay as retailers pass along the GET in higher prices on products.

So what Amazon will be collecting in Hawaii from will be the state's use tax. This is the tax that all state tax departments levy on items bought out of state but brought within the borders to be used by the purchasers.

In Hawaii, notes the Department of Taxation, "The use tax equalizes the tax on a transaction by requiring those acquiring goods (for example, cars, clothes, jewelry, computers, equipment, etc.) from out-of-State sellers to pay a tax at the same rate that an in-State seller would have paid in general excise tax if the sale had occurred in Hawaii."

"The state will continue to seek ways to ensure that we collect taxes already owed. The revenue will help pay for vital services for the people of Hawaii," said Gov. David Ige said in a statement about the Amazon decision.

Beginning April 1, the money — estimated to be $60 million a year — will come from a 4.5 percent tax for purchases made by Amazon shoppers on Oahu and a 4 percent tax for purchases on the state's other islands.

Maine: Effective April 1, Down Easters will see their state's 5.5 percent sales tax tacked onto their Amazon invoices.

George Gervais, Commissioner of Maine's Department of Economic and Community Development, applauded the Amazon decision in a statement as "welcome news to Maine retailers and consumers." I know a few consumers who don't agree, but ….

"Maine businesses can go toe-to-toe with the very best out-of-state companies, provided they are competing on an equal playing field. Amazon's decision to collect and remit sales tax to the state of Maine is an important first step in leveling the playing field," said Gervais in a statement about the tax collection.

Maybe the not-so-thrilled consumers will be happier if, as Gervais postulated, "The increased tax revenue could help lawmakers reduce the state's income tax burden."

New Mexico: Like Hawaii, New Mexico doesn't have a strict sales tax, but rather a gross receipts tax (GRT).

The Land of Enchantment's GRT rate varies throughout the state, ranging from 5.125 percent to 8.6875 percent. The differences are because the total rate is a combination of state, county and, if applicable, municipal levies where businesses are located.

New Mexico businesses pay the total GRT to the state, which then distributes the counties' and municipalities' portions to those jurisdictions.

The New Mexico Taxation and Revenue Department says Amazon's decision to start collecting the tax will likely bring in "tens of millions" of dollars to the state.

New Mexico lawmakers recently had been moving a couple of bills to require remote retailers to collect tax from customers. It's not clear whether that legislation was the catalyst for Amazon's decision.

Consideration of the tax bills will continue, though, as Amazon isn't the only online seller operating in New Mexico.

There's also speculation that Amazon's decision could be in advance of the company opening a distribution center or other facility in New Mexico.

"That’s what we're most excited about," Ben Cloutier told the Albuquerque Journal. "The potential is there for more growth and not just the immediate revenue impact."

Beyond Amazon: Amazon's nationwide sales tax collection is good news for revenue-hungry states, but they're always looking for more tax targets.

While Amazon is the largest online retailer in the world, it is not the only one. So look for states to continue their legislative efforts to force other remote sellers to join Amazon tax collection ways.

How long has Amazon been collecting sales tax in your state? Has it made a difference in your online shopping?

You also might find these items of interest:

City and other local taxes add to overall sales tax takes

Useless use taxes could lead to national online sales tax collection

5 sales-tax-free states are perfect places to enjoy National Ice Cream Day

from Tax News By Christopher http://feedproxy.google.com/~r/DontMessWithTaxes/~3/1pJpxE2FFao/amazon-tax-free-shopping-ends-nationwide-on-april-1.html

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joesbrownusa · 8 years

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Houses For Sale in Waialua, HI

68-055 Akule St #206

Price: $234900

This is a HomeSteps property. This property is eligible under the Freddie Mac First Look Initiative through 8/5/2016. HomeSteps First Look Program, no investor offers the first 20 days of listing, expires 8/5/2016. Freshly painted unit with very private lanai and tree top view of the surrounding area. Parking stall located near the stairs. Great for first time home buyer or investor. (FS-Fee Simple)

68-055 Akule St #412

Price: $328000

Live the North Shore dream beach lifestyle! Enjoy living in your spacious, relaxing and bright ocean view condo. Your inspiring condo is right across the street from a beautiful long white sandy beach. Perfect for surfing, swimming, snorkeling, stand-up paddling, fishing and enjoying the healthy Hawaiian life style, away from all of the crowds. This rarely available fourth floor charming unit has a full size washer and dryer, lanai and a nice size open parking spot. Mokuleia Sands has a BBQ area, an amazing and very large ocean and mountain view roof top deck, gym, garden area and a pla ce to keep your bikes. Waialua feels like old Hawaii and you are very close to Haleiwa Town and the bike path. This unit has been freshly painted. With some creativity you can create a very beautiful home!

68-101 Waialua Beach Rd #301

Price: $159900

Do you want to own a property near beach? Look no further. Enjoy a family picnic on the beach park, or just sit on the white sandy beach, marveling at the ocean. Ideal as a weekend getaway for you and your family or for investment. Fresh interior paint, upgraded kitchen and marble floors. Corner unit.

67-297 Kahaone Loop

Price: $1800000

Striking OCEAN FRONT home on White Sandy beach. Possible no. of CPR. Duplex beach home with one 3bd/2ba & one 2bd/1ba. new copper plumbing throughout, plus new electrical box for the 3bdrm side. newly fumigated (perform periodically). Colorful flowers, palm tree, and wall fenced yard for privacy. Swim, boat ride, surf, and more all from your doorstep. Sold As Is condition. Listor is owner

68-041 Waialua Beach Rd #301

Price: $189000

Great price and great location for this top floor corner end unit. Beach, surf, snorkel/dive, kayak, fishing, kite surf, paddle, all just steps away. This condo has A/C, in unit washer/dryer, dishwasher, stove/oven and dedicated parking stall. Across the street from bike path, bus line, and just minutes away from Historic Haleiwa Town, skydiving, glider planes and more. Condo doc’s are available by clicking the “supplements” icon below the photos.

67-435 Waialua Beach Rd

Price: $895000

Waialua Beach Colony is a beachfront subdivision on the North Shore of Oahu the outer island you can drive to. The gorgeous views that surround this lot will inspire you to build a home and realize your dream of living on the beach. Will have deeded beach access.

68-041 Waialua Beach Rd #101

Price: $229000

$25K Price reduction! Call now This condo is in a great location on the first floor, corner unit with large patio. Located across the street from a bus line and bike path. Walk to the beach and to Aweoweo Beach Park. Surf, stand up paddling, basketball, swimming, a playground and beautiful beaches are a short walk away. Only minutes to Historic Haleiwa Town.

131 Farrington Hwy

Price: $7900000

Private & Secluded Beachfront. Presenting rare opportunity to buy a beach front parcel. Perfect location within 15 min of Charming Haliewa town, organic foods, restaurants, stores and famed North Shore. Dillingham Ranch and Polo fields within riding distance. Ag.2 zoning allows, house & barn w/ horse and orchards. Private point setting with views of coastlines and sunsets. Beach walks, shelling, monk seals, surf, diving, mountain hikes & biking await. Appraisal value at 8.5, all reasonable offers considered. Neighboring 5.0 acre lot also available for sale.

68-131 Farrington Hwy #B

Price: $7900000

Private & Secluded Beachfront. Presenting rare opportunity to buy a beach front parcel. Perfect location within 15 min of Charming Haliewa town, organic foods, restaurants, stores and famed North Shore. Dillingham Ranch and Polo fields within riding distance. Ag2. zoning allows, horse & barn w/ horse and orchards. Private point setting with views of coastlines and sunsets. Beach walks, shelling, monk seals, surf, diving, mountain hikes & biking await. Appraisal value at 8.5, all reasonable offers considered. Neighboring 5.0 acre lot also available for sale.

68-469 Crozier Dr

Price: $2000000

Breathtaking beachfront property on the exclusive Crozier Drive. Serene waters for surfing and diving; perfect for the ocean enthusiast. Minutes away from the Historic Haleiwa Town. Enjoy beautiful views from the comfort of your home while watching gorgeous sunsets second to none. Value is in the land. Property to be sold in As Is condition. Buyer to cooperate with seller on 1031 Exchange. Not contingent upon seller finding replacement property. Use Title Guaranty Jill Kirihara.

67-665 Kane Pl

Price: $789500

Large rim lot adjoining Ag land with 180 degree views. Desirable quiet Waialua home has been thoughtfully modernized while still retaining its old Hawaii plantation charm. 2004 new roof. New walk in shower, quartz counters & Coastal windows. Appliances are less than 5 years old. Open bright design catches the trade winds and is naturally cool and light. Covered 500 Sq.Ft. Lanai/Studio/Bath is not included in Living Area. Lot size allows for ADU and septic has been upgraded. Private country living at its best. Bring your best offer and add your story to this special property.

66-905 Paahihi St

Price: $549000

Great starter home with orange, avocado, lemon and mango trees. Lilikoi fruit also growing on property. Pets on property. Seller currently working on property improvements. Large one car carport with room to park 2 cars including driveway or a boat. Nice mountain views from property. Seller selling As-Is.

68-090 Au St #303E

Price: $359000

Rarely available in the most desirable building in Waialua.Beautiful mountain/ocean views welcome you home to this split level Ono Vista unit.Dine on the lanai,relax in the salt water pool or sauna,or enjoy the near by Aweoweo beach park.Located only 3 minute walk to Waialua Beach and Public bike path.

66-900 Wanini St

Price: $665000

Lovely home with open living spaces, with 1 bedroom unit with full bath and separate entrance. Kitchen and bathroom have been tastefully upgraded. Enjoy get-togethers in your spacious backyard and large covered deck. Minutes away from the North Shore beaches, historic Haleiwa Town, shopping, restaurants. 1ST OPEN January 29 2:00-5:00 p.m.

68-615 Farrington Hwy #25B

Price: $449000

Mokuleia Beach Colony: 1BR/1BA unit. Gated beachfront community with 26 private duplex townhouses. Walk to the sandy beach, play tennis or just relax by the pool. This community has all you could want to get away & relax. Great for an Oahu getaway! Pets ok: must have board approval, limit 2.

67-208 Niumaloo Pl

Price: $948000

Charming 3 bedroom / 2 bathroom home located in Waialua. Upper level with 3 bedrooms / 2 bathrooms. Lower level currently used as 2 bedrooms / 1 bathroom with large outdoor shower, and separate entrance. Central air installed throughout upper level, and split unit for lower level. Solid wood kitchen cabinets and stone countertops, as well as top of the line appliances. Cellular shades throughout the home. Bamboo hardwood flooring installed in upper level with tile in the bathrooms. New Pella double pane windows and doors. New painted interior and exterior of home. Full landscape with fe nced yard, beautiful rock wall, sprinkler system and parking for 5+ vehicles. Perfect location in a quiet neighborhood, near Waialua recreation center, and beach.

68-004 Au St #77A

Price: $749000

A one story house on nice sized fenced lot and just two short blocks to Aweoweo Beach Park! The living room and kitchen have vaulted ceilings and six new slider windows. The roof was new in 2012. There’s a storage shed with one year old roof. Nearly new Pergo Max flooring, ceiling fans, window A/C, blinds, attic fan, and hot water heater. This property has SO much potential and is priced to sell quickly!

67-250 Goodale Ave

Price: $759900

Single story home with brand new interior/exterior paint, new refrigerator, new range, new range hood, new carpets throughout. Oversize garage to fit 2 cars generously. Lots of parking in front for guests and to hold family gatherings. Larger 4 bedrooms to accommodate growing families. Inviting double entrance opens up into living room with lots of big windows throughout dining area. Very easy to locate. Come see it today! (Fs-Fee Simple)

67-241 Kahaone Loop

Price: $2250000

You’ll love this newly renovated, beachfront home with 95 linear feet fronting breathtaking panoramic views of the ocean. There are 3 bedrooms and 2 bathrooms in the main house, plus a separate charming studio/cottage with 1 bathroom. Beautifully maintained tropical landscaping surrounds this private retreat on the less traveled stretch of the North Shore. This elegant home has been remodeled with granite counters, stainless appliances, copper gutters, modern jacuzzi, vaulted T&G ceilings in the living area, and a solar electric entry gate. The home is beautifully furnished and ALL FURN ISHINGS ARE INCLUDED in sale!! Only 2 miles away from historic Haleiwa and restaurants, shopping, art galleries and farmers markets.

68-091 Au St

Price: $899000

OPEN SATURDAY 12pm – 4pm!!! AN AWARD WINNING HOME ON THE BEAUTIFUL NORTH SHORE OF OAHU. THIS PROPERTY IS JUST STEPS AWAY FROM A BEAUTIFUL SANDY BEACH WHERE YOU CAN WHALE WATCH, SWIM WITH TURTLES, PADDLE BOARD OR JUST RELAX AND TAKE IT ALL IN. ENJOY SPECTACULAR MOUNTAIN VIEWS FROM THE TWO LANAIS OVERLOOKING A PRIVATE BEACH PARK. PROPERTY IS FENCED AND LOCATED IN A GATED COMMUNITY.

from Houses For Sale – The OC Home Search http://www.theochomesearch.com/houses-for-sale-in-waialua-hi/ from OC Home Search https://theochomesearch.tumblr.com/post/158014562160

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