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Vacation Homes

How Wells Fargo Home Equity Loans Work

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Wells Fargo & Company is a specialized financial services company based in San Francisco, and is a provider of insurance, mortgage, investments, banking, consumer finance catering to more than 23 million customers across the United States and a few other international countries. Wells Fargos distribution channels include 6,200 stores, the internet, and several other outlets.

Being listed as one of the United States top-40 largest private employers, Wells Fargo has $500 billion in assets, and employs about 154,000 people. In 2006, Wells Fargo was ranked fifth in assets and fourth in market value of stock, and is the no.1 prime home-equity lender in Wells Fargos banking states.

Well Fargo has three main Home Equity Loans and Home Equity Loans Lines of Credit products. These, along with general account details, include –

Home Equity Line of Credit – EquityLine with FlexAbility Account

The EquityLine with FlexAbility Account is a variable-rate HEL line of credit with which you can convert credit balances into a fixed-rate for a fixed-term. This Home Equity Line of Credit is intended for ongoing access to the equity in your home, along with options including flexible payment and rate. It also features 10-year draw period with repayment period of up to an additional 30 year. Primary Residence loan is up to $500,000; Second or vacation home, up to $250,000; Non-owner-occupied, up to $100,000; and minimum is $10,000.

Home Equity Loan

With the Home Equity Loan, you receive the entire amount upfront, along with fixed payments and rate, without ongoing ability to redraw funds. It is ideal for people who dont need additional future financing, and those handling immediate expenses when they want a fixed rate and monthly payment. Based on loan amount, the term is for 5 to 30 years. Primary Residence loan is up to $500,000; Second or vacation home, up to $250,000; Non-owner-occupied, up to $100,000; and minimum is $10,000.

SmartFit Home Equity 1 Account

SmartFit Home Equity 1 Account allows you to receive up to the entire amount as fixed-rate advance, and convert credit balances to additional fixed-rate for fixed-term advances. It is ideal for handling huge upfront expenses for ongoing access to the equity in your home because funds become available as you repay principal. The term is 10-year draw period with an additional 30 year repayment period, including term of 3, 5 or 7 years as initial advance. Primary Residence loan is up to $500,000; Second or vacation home, up to $250,000; Non-owner-occupied, up to $100,000; and minimum is $10,000.

You can apply online (http://wellsfargo.com) for any of the above home equity loan accounts, schedule a free consultation with a home equity sales specialist, or call a toll-free number for help.

Vacation Homes

Knowing More About Orlando Vacation Homes

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All the stress of home and work are soon to come to an end. Vacation time is fast approaching and you have been actively seeking the perfect spot to get that well deserved rest and relaxation.

After narrowing down your search to Florida, and focusing in on Orlando, there are only a few more hiccups left to set straight before your dream vacation begins. Many people will choose a basic hotel to stay in, overlooking the abundance of opportunities to gain a much needed sense of privacy as well as cost effective accommodations.

Who really wants to deal with the hassles of hotel living, given the attention prone to overcharging the customer instead of satisfying them. With this in mind, what are the benefits of staying in Orlando vacation homes instead of the competing hotels? The list is endless, but let us try and focus in on the most important attributes you will likely be inclined to choose from.

Is it going to be expensive? Obvious question to start with given the current financial times and an easy one to answer. Overwhelmingly no compared to most hotels of the same caliber, vacation homes in Orlando are quite a deal really. Overall costs begin at the same price as the average hotel room will run you, and depending on if you are bringing children, try to keep in mind the additional rooms you would be paying for. Hotels rarely drop their rates a substantial amount for multiple rooms while vacation homes can be a quality solution to a oversized families problem.

Forgetting about the affordable base cost to start, most Orlando vacation homes include a full kitchen, which can help save a pretty penny over room service. Now I know what your thinking, I didnt come on vacation to cook and I fully agree. Most meals I assume you will be going out for, but cooking a few of the meals during your stay can save a good amount, which in turn could be spent on more entertaining ventures. In addition, the removal of a mini-bar from the equation must be an improvement over being hit with a huge charge for snacks and soda.

Other advantages range from every aspect of what your expect out of a vacation. The additional privacy of Orlando vacation homes can give an extra spark to an already romantic getaway. Not to mention the fact that you will not be bothered by hotel staff, nor have to deal with the other guests staying there. Amenities are abundant, including big screen televisions, game rooms and wireless internet access, depending on your choice homes.

If you are bringing along a pet, you will also have an easier time finding a vacation home that accepts them over a hotel that will. Like I said, the advantages are endless. Through my first hand experience, I would not only suggest checking them out, but demand it! I feel everyone owes it to themselves to get the most out of their vacation, and this is the best way I can personally add to it.

Vacation Homes

New Waterfront Development On Lake Livingston Real Estate

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Cedar Point Changes Hands

Majority control of Cedar Point subdivision changed hands this week when local company Waterfront Development purchased the Dallas-based lender EIC who had foreclosed on the property.

Immediately after completing the purchase, Waterfront Development paid off over $60,000 in back taxes and donated 114 lots to the Property Owners Association; giving them needed Green Belts, parks and several key maintenance areas in the subdivision.

In a separate action, the Property Owners association filed a lawsuit in Polk County Monday 4 December against the former developer, seeking to transfer ownership of the Common Areas from Concord Capital Group as Trustee, directly to the Property Owners Association. The former Developer plagued, by legal problems including criminal indictments, filled bankruptcy on Monday 4 December in a Dallas Court.

Over the weekend, well over half of the property owners in Cedar Point worked together and voted to change their deed restrictions in an effort to protect their common areas and clean up the old and abandoned homes, mobile homes and travel trailers scattered around the community.

Many of our residents were trying to make the subdivision a great place to live however, we needed the help of deed restrictions to eliminate the small percentage of those who are hurting our community, says POA President Bettie Dugan, a long time Cedar Point resident. Our community is working so hard to make life great here, just look at the incredible Christmas lights on the homes and at the entrance. These new deed restrictions will prevent additional mobile homes from being moved into the community while allowing the existing ones which are in good condition to stay in place.

Waterfront Development, through its subsidiary Vacation Home Builders in cooperation with The Von Schmidt Design Group already have two upscale homes under construction in the subdivision, and will begin redevelopment of Cedar Point with the help of the community after the start of the New Year with 12 new homes slated for the first half of 2007.

A separate community Know as the Villages of Cedar Point for over 55 residents is planned with cottages ranging form 900-1400 square feet. Exterior maintenance will be provided allowing people to visit family and travel without worrying about their yards. The undeveloped peninsula, which may represent the largest remaining undeveloped shoreline on the southern half of the lake, is slated to become 55 waterfront lots. Each lot will be over 100 feet wide. This project is slated for February 2007.

Waterfront Development, who will be investing over 7 Million dollars in this project, estimates that new construction over the next three years will add over 32 million dollars to the Polk County tax appraisal rolls, while providing needed new housing to attract affluent Houston buyers as well as Baby Boomer retirees.

Cedar Point is a breathtaking piece of property which we have been interested in for over two years, said Charles Von Schmidt, the companys President. We feel the market is right for a project of this nature and, with the help of local realtors, we will be able to provide jobs, needed tax revenues and additional business for local merchants.

After many years of mismanagement, the combined positive actions and forward thinking of all involved are making the future a lot brighter for Cedar Point.
For more information http://www.vacationhomebuilders.com

Vacation Homes

Read Your Contract Before Booking a Vacation Rental

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As more and more people become aware of the bargain vacations that are possible by booking a luxury vacation rental, vacation rentals have become increasingly more popular. As a result more and more vacation home owners have decided to add their vacation homes to the rental market.

However, many renters fail to read the contract they are required to sign, and make the mistake of signing a surprisingly one-sided contract that absolves the owner or rental agency of all liability. The renter signs away all rights to recourse if the property is inaccessible, when there is a power failure, or when vital appliances fail to work. Obviously, any one of these calamities could ruin a vacation, and renters should not have to buy expensive trip insurance to protect themselves.

Some rental contracts pressure the renter to buy breakage insurance in case something breaks during their stay. Of course all rental contracts state that the tenant is responsible for damage they have done to the property during their stay. However, we have been in business 16 years and have never had to charge a guests credit card for damages. That is because we know that some things such as furniture are prone to break from time to time. However, we always give the guest the benefit of the doubt and would not hold the guest responsible for any damage that was not intentional or malicious.

The guest is put in an extremely vulnerable position if the owner or rental agency cannot deliver on their part of the bargain, because often these contracts require that the full amount of the rental be paid at least 31 days in advance. Thus, owners are put in the unfair position of trying to get their money back after having signed away their rights in the vacation rental agreement.

A more reasonable contract would require 50% of the rental in advance and the rest upon arrival, as well as a willingness to give a full refund if the property is not habitable at the time the guest has reserved. Also, a good owner will be willing to hold that deposit and allow the guest to rebook if there is a family emergency that prevents the guests from arriving at the time they have reserved.

If the agreement is too one-sided, you should look elsewhere in booking a vacation rental.
Below are some important things to look for in reading your vacation rental agreement.

1)The contract pushes you toward purchasing trip insurance. If you are renting from a reputable owner or rental agency, you should not have to pay the added cost of trip insurance that will add 7% or more to your cost.
2)The contact pushes you toward purchasing yet another insurance, accidental damage insurance, by requiring a large deposit if you dont buy their insurance, or by holding you strictly accountable for any damage that might not even be your fault. As indicated above, we have never found it necessary to charge a guests credit card for damage because we felt that anything that was broken was not intentional. If it were intentional, the insurance policy would not cover it in any event.
3)The contract absolves the owner or rental agency of responsibility for having the property in habitable and accessible condition with all appliances working. You should avoid at all costs any property if the management refuses to take any responsibility for your not having the vacation that you have paid for.

As a final note, you should remember that the way the vacation rental agreement is written is a good indication of how you will be treated when you arrive at your destination. If you sign a one-sided agreement, you should not expect to be treated fairly if anything goes wrong. It has been our experience that sometimes things do go wrong. What separates good vacation rentals from bad ones is a good maintenance staff and a dedication by management to taking care of problems as soon as they happen.

Vacation Homes

Fake Doctors Notes – A New Trick

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Do you need to get out of your gym membership without having to pay a penalty? What if you are on holiday and wish to extend your vacation but have no good excuse (like the cancellation of all flights due to hurricanes and storms)? What you need in these situations are fake doctors notes.

Fake doctors notes are actually medical excuses that you can use in most situations. For example, we all know how difficult it can be to get out of a gym membership. Often the only excuse gyms will settle for is a medical note explaining why it is inadvisable for you to continue a workout regime.

Then there are those who long to extend their vacations but cannot due to the fact that they just dont have a good reason to do so. However, with a fake doctors note, not only will you have a good excuse, the cost of rescheduling your flights and issuing of new tickets will be borne by the insurance company.

A close friend whom you have not seen in a long time may be in town for a day and you know your boss isnt going to sign off on your leave application. So what do you do? Rather than whine about it, you could settle for producing a fake doctors note. In this manner, you can spend all day with your best bud and also ensure that you receive your wage for that day along with full benefits.

So where can you find fake doctors notes? Why, the Internet, of course. With realistic-looking notes that include details such as the name of the physician and clinic, its address and contact details, as well as the time and date of your visit, fake doctors notes also contain similar details to one you could obtain at a medical establishment. The only difference here is that there is no long wait to see the doctor, and neither is there a cost for consultation and treatment. If all you need is a note to get out of something, then fake doctors notes may be your best option.

In fact, the ever-increasing popularity of such notes is evident in the number of sites offering them. However, you would do well to ensure that the doctors notes that you are purchasing look and sound as much like the real thing.

You would be surprised to learn that Human Resource Managers are adept at looking out for red flags when dealing with staff absences. So, while you are looking for a quick means of obtaining fake doctors notes, do pay attention to detail as this would mean that your employers will be hard-pressed to disprove the validity of your note.

And if all works out, and you are indeed able to procure fake doctors notes to skip out on work, do make sure that you remember the medical condition stated on the note. After all, it would not do for you to claim influenza and show up at work with a limp!

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