Auto and Home Insurance – Should You Combine Your Auto Insurance and Home Coverage?

Q: I was wondering if you knew of an insurance for automobile and home combined. If so is it cheaper to get them together? Thank you.

A: There are several companies that offer combination insurance for automobile and the home. It may even cost you less money to purchase both policies from the same company as there is often a discount available to customers who do so.

When looking for such a company first make sure they are licensed to write insurance policies for both auto and home. After crossing the companies off your list that only offer one of the other begin to make some phone calls.

Ask each agent what type of discount is available for buying both policies from them. Don’t hesitate to negotiate with the insurance companies when shopping for a policy.

Also do not be shy about mentioning a lower offer another company made you. Many companies will match or beat a competitors price.

It is often a good financial decision to combine insurance for automobile and home coverage. It can result in a lower monthly premium. It also consolidates bills and can make organizing your financial life easier. We hope this answered your question, but if you would like further information please fee free to pay us another visit.

It is important to remember that whenever the time comes to add insurance or update your existing policies, it is always best to shop around and compare auto insurance (and home) rates and quotes. More often than not, people are paying way too much for their insurance policies and could easily save thousands of dollars each and every year by simply comparing different providers before making a commitment. Do your homework and spend the time researching the options, pricing, and companies available to you.

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Auto And Home Insurance – The Discount Savings You Can Get

If you’re shopping for either auto or home insurance you may be able to save money on both. Here is some information about how that can work.

Insurance companies base their rates on a lot of factors that have to do with risk. So with car insurance, these factors include driving records, age of drivers, type of vehicle, the place where the vehicle is and more. For home insurance, these factors include the location of the home, the age of the home, the construction of the home, and any other risk factors such as a swimming pool.

Despite all of this “risk” talk, insurance companies do want your business so one thing they’ll offer as a way to help you save is a multi-policy discount. This means that if you insure both your home and auto with the same company, they’ll knock off some of your premium. This can be anywhere from five percent or higher.

These multi-policy discounts may also apply if you buy another product from the same company, such as life insurance. The key is to shop around for comparison quotes and ask what the discount would be. For example, you could request an auto insurance quote and ask what the difference in premium would be if the same company also insured your home.

You should try to get at least three different quotes because rates also vary a lot from one company to the next. You may be able to request both a home and auto quote from a company’s Web site. Just be sure to enter the same information at each site when you get different quotes to make sure your comparisons are apples-to-apples.

Insurance comparison Web sites are places that don’t represent a single company. These are convenient because you can enter your information once into an online form and get several different quotes back. They often have a “auto and home” form.

You also want to take advantage of any other discounts you can. For cars, this could be good student, senior driver, low mileage and more. For homes, this could be burglar/fire alarm, building materials and more.

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What Makes The Best Travel Blog

Travel blogs are of great help when it comes to planning a vacation. They have a touch of professionalism in all the details they provide yet they have an informal and personal feel in the experiences they share. However, not all travel blogs are worth reading. A few only have rehashed content making them very shallow guides.

There are certain characteristics that make the list of travel blogs. We’ve listed the features of the top-rated ones so that you can use them to make your pick.

1. Engaging Content -
It appears to be the obvious; however, it is a tough criterion to fulfill. The content should be creative, informative and original. It should also be different. If your blog offers the same content that other blogs and travel websites have to offer, they will move on. Content should be on various topics namely travel tips, travel experiences, news and travel technology.

2. Up-To-Date -
The tourism industry is time-sensitive and as such the information tends to change periodically. Hence, it is important that review the information listed on your website from time to time and update it to match the latest changes. It includes information on pricing, visiting hours, programs offered at tourist sites and the likes. Make sure you verify the information that you post on your blog. Not only this, great blogs are those that add fresh content regularly.

3. A Bunch of Links -
Whether they are links to airline booking sites, hotel websites or comparison sites, it is very convenient to have them embedded in the text. Readers can get more travel related information by simply clicking on a link.

4. Photos and Videos -
Media files like photos and videos support your content; they are what complete your blog. Photographs of travel destinations, culinary delights and personal sneak-peeks give readers an opportunity to plan their vacation based on your experiences. It also attracts them to read to the end of your blog.

5. Reader Generated Content -
Including a section wherein readers can contribute their two pence on travel tips and insider insights will also earn your blog more readers. This is because the real shared experiences of other fellow travelers add a touch of originality to your blog.

6. Maps -
In addition to the discussion forums and photo albums, a few destination maps are always a welcome addition. Maps are a must when one goes travelling and it is a better if they can print and use them offline. You can also integrate it will Google Maps so that travelers can plot their trip on the map.

7. A Good Blog Design -
In the bid to create an attractive and engaging design, we often end up with extremely gaudy and complicated blog templates and designs. Choose an eye-catching, simple design, but don’t make it too complex.

8. Easy-to-Use Interface -
It should feature an intuitive interface. There should be too many instructions to follow and pop ups to get through before they get to read what they want.

9. Mobile Compatibility -
We live in an age of smartphones and hence it is important that most travel blogs and websites be optimized for mobile platforms. If your blog does not load on mobile devices such as smartphones and tablets there is a likelihood readers won’t revisit.

Having all these features of a list of travel blogs, TravelMagma is your one stop solution when you are planning your holiday. Here you will not only get information on the top tourist attractions in different countries of the world or the best places to stay at, but you will also receive travel tips from seasoned travelers to make sure you have an enjoyable holiday experience.

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Vacations on the US Virgin Islands

What else can be the choice of a tourist who wants a peaceful vacation, other than the U.S. Virgin Islands? The choice of the visitors can be any place like St. Croix, Vacation Villa St Thomas Virgin Islands, or St. John that have the most beautiful beaches, weather, and plenty of resorts, hotels and villas for rental. Various activities like fishing in the deep sea, golf playing, and hiking are the attractions of the Islands.

One can find plenty of beaches for privacy, national parks, and many shopping areas here. Fun lovers can go for diving, sailing, visiting the tropical forests, sunbathing, and hiking or kayaking. The islands offer the best night life for the tourists. Since the beaches are not located in walking distances, the tourists can avail the rental cars to go around. Sometimes, they can even get a scooter which should be really adventurous.

The climate in these Islands is excellent with moderate temperatures. Some rain showers that end quickly can be experienced occasionally. People wear casual dress. Since it could be cool in the evening, a sweater or jacket could be used. It is always advisable to leave the valuables in safe deposit box of the hotel.

One can really enjoy the variety of West Indian foods such as pates, fungi, dumpling, lobster, salt fish, and conch. Shopping here is real fun as no duty or taxes are levied for the purchases. The tourists can send a duty free gift of value less than US $ 100, one per day, to their friends or relatives. Items like jewelry, liquor, designer clothing, perfumes, and cameras apart from island made items are exempted from duty.

U.S citizens do not need a visa to visit the place. Others need to carry some identification documents with them. Internet access is available here. Medical attention is available in all the places all through the day. US dollar is the currency used and credit cards are accepted too. A few banks also function here.

No doubts, Virgin Islands are considered heaven on earth as the natural beauty is well-maintained and the entertainments make the visit to the islands worthy by all means!

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adventure holiday Eat and Drink in Cornwall

Newquay holidays will never be dull if it is spent in Cornwall County. Discovering the different night spots will sure to be fun and exciting and sampling the different pubs and restaurants will prove to be quite palatable experiences. The diverse cuisines that are showcased in the different food establishments in Cornwall can be explore with friends and family and turn out to become culinary adventures. The Cornwall holiday cottages are perfect accommodations for touring the different restaurants of the county.

Aside from restaurants the local pubs also serve wonderful cuisine which proves to be pleasant surprises as English pubs are more known as watering holes and not for having meals. Newquay holidays spent going around the number of pubs having meals and sampling the local brew with friends and family are great ways to have great nights out and dining as well. Cooking during your vacation is definitely doable as the Cornwall holiday cottages are equipped with cooking facilities for you to prepare meals for picnics and snacks with the family.

The Rock Island Tapas

The Rock Island Tapas restaurant is a fine example of the diversity of international cuisine that is available in adventure holiday Cornwall. This is one of the popular restaurants in Cornwall that tourists and locals cannot seem to get enough of. The restaurant becomes very busy during peak hours and it is suggested that a reservation be made while you are planning your evening from the Cornwall holiday cottages or you will end up waiting in line for the next available seat.

The Rock Island Tapas restaurant serves up sumptuous Mediterranean and European dishes that are well seasoned and quite filling. Spending the Newquay holidays feasting should definitely be one a family’s agenda at this colourful and informal dining establishment. The restaurant also boasts of a fine selection of wines carefully chosen to compliment the dishes that is carefully prepared with the freshest ingredients sourced from local farmers and fishermen. The Mediterranean fish dishes are must try’s during your Newquay holidays and after a filling dinner you can surrender back to the Cornwall holiday cottages for a blissful slumber and get ready for another day of food adventures.

The Manning Bar and Restaurant

The Manning Bar and Restaurant is an establishment that serves up the best that the Cornish waters and countryside have to offer. You will be able to sample some of the best sumptuous steaks and fresh flavourful fish dishes in the county during your adventure holiday Cornwall in this restaurant. The ambiance of the dining area is dimly lit and is a very popular spot that is frequented by couples enjoying their vacation in Cornwall and also guests staying at the Cornwall holiday cottages.

The wine list is quite extensive which varies from European, African, French and Chilean wines. Family dinners will turn into culinary extravaganzas and become one of the highlights during your vacation at the beautiful county of Cornwall. Your vacation is far from being complete without a visit to the Manning Bar and Restaurant.

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Interesting Destinations and Places to See in Dhaka, Bangladesh

Dhaka is the capital of Bangladesh, and considered as one of the major cities on South Asia. It is located on the banks of Buriganga River, and has a vast population of over 12 million. The city is called the “city of mosques”. Dhaka is also known as the producer of the finest “muslin” in the world, which is a kind of cotton fabric that is finely woven, used to make dresses, curtains and other clothing materials.

The country started to fully develop in the 19th century during the British rule. Dhaka Travel Guide  is now the center of cultural, political and economic life in Bangladesh. Dhaka is also a place with many interesting places to visit. The city is rich with its fine culture and beauty people from all around the world love to see.

Here are some of the interesting Places to visit in Dhaka, Bangladesh:

o Lalbagh Fort – a beautiful castle located at the edge of Old Dhaka. The castle was built during the reign of Prince Azam in the year 1676. Prince Azam was the third son of the great Moghul Emperor Aurangazeb. The fort contains long armored walls with octagonal citadel. There is also a mosque built inside the fort, and the Mauseleum of Bibi Pari, and the Audience Hall. Visitors can visit the museum inside the castle, which is officially opened to the public.

o Armenian Church – located in Armanitola, Dhaka. The beautiful church was built by the Armenian colony during the year 1791. The church is an attractive ancient-looking cathedral wherein its design dates back in the 17th century.

o Tara Masjid (Star Mosque) – one of the most unusual mosques in Dhaka, which also called the “city of mosques”. The name, “Star” was given to the mosque due to the sparkling mosaic of broken china. The mosque was said to have been built way back in the 17th century by Shaista Khan. Infront of the mosque, is a star shaped figure, which stands for the mosque’s name.

o Jatiyo Shongshod – Dhaka’s National Parliament building located at Sher-e-Bangla Nagar. Jatiyo Shongshod is built with a vast complex geometrical design. The man behind this uniquely designed structure is American architect Louis Kahn. It is considered today as one of the most distinctively-looking building in Bangladesh.

o Shahid Minar – one of the many mausoleums and monuments in Dhaka. This monument was built to commemorate the people who were killed during the Language Movement demonstrations in 1952, where in dozens of students and activists died. The monument had been a high subject for attraction in Dhaka. Its colorful gardens had attracted many tourists and travelers both local and abroad.

These are just few of the many interesting sites and destinations in Dhaka. There are other several places such as museums, numerous mosques, and monuments which are frequently visited in Dhaka. All are open for the public so visitors are always welcome to come and see the wonders of Dhaka.

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How to Ensure You Have a Dream Holiday

The term  dream holidays brings a smile on everyone’s face. It’s associated with feeling fabulous, only doing what you enjoy and getting exactly what you want.

People talk about dream holidays and travel companies offer all types of dream holidays. All types?

If you ask 50 different people about what their ideal holiday would be like, you need to be ready for 50 different answers. Indeed, everyone is different and so are our unspoken expectations of such a holiday.

What we know about a dream holidays  is that it is a holiday where everything is just great or even perfect – but only for YOU. What a dream holiday is to one, can be a nightmare to another or totally uninspiring at best.

In order to find or create a truly magical holiday for yourself, you need to know yourself. Specifically, you need to be aware of what matters most to you on a holiday. It’s not about planning the execution, it’s about finding your personal strategy.

You could try two different techniques:

Ask yourself “If I could have ANY (absolutely any) holiday I wanted, what would I choose?” Now either paint a perfect picture in your mind imaging every detail of the perfect holiday for you; alternatively write down bullet points of things that are truly important on a dream holiday for you. It doesn’t matter whether your list or picture is very concrete e.g. a lonely jungle hut in the rain forest or more general e.g. no time pressure, no timetable, nature, hot, sunshine, friends, parties, etc.

Once you have a clear picture or a list of at least 20 points ask yourself:

“What about this picture / each of the 20 points is important to me?” Try to figure out what about each part of your picture or list it is that matters so much to you. Which new insights can you gather?

Which other ways (other than your picture/20 points) can you see that would le you have what matters to you so much?

Now ask: “What would it be like if I got it (the picture/ the 20 points)?” “What would that give me?”

Finally ask yourself on a scale from 0-10 how much of a dream holiday your picture or list would be (0= my nightmare holiday, 10 = my total dream holiday)

If you score a 8-10, you have the perfect blueprint or 20 criteria for choosing or creating a holiday which will truly become a dream experience for you. If you score any less than that, ask yourself “What’s missing?” and then add that to your picture or list.
Repeat this process until you have such an attractive picture in your mind, that you can’t wait to get going to find or organize it.

Once you know exactly what you want, go and get it. Ask your travel agent to find you this special travel package or go to travel forums asking about other people’s suggestions for what fits YOUR criteria.

Rather than getting seduced by other people’s definitions of dream holidays (including the travel agents) you can now create or look out for one that fits your needs and ideals exactly. A holiday created in this way is guaranteed to make you feel fabulous.

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Should You Purchase A Vacation Home?

Summer has arrived, and for many families, that means getting away for a few weeks. While enjoying beautiful surroundings, warm sun or cultural enrichment, it’s easy to imagine how nice it would be to own a home that would let you do so whenever you wanted.

But don’t let your imagination run away with you. Before you snap up a beach house or a mountain cabin, give the same thought to the purchase as you would to buying your primary home.

The first question is whether you can afford a vacation home. Have you covered educational expenses for your children? Is your retirement secure? Is your emergency fund solid? Don’t rob yourself of essentials to cover a second home, no matter how great its potential as an asset. Even if you buy the property outright, you may not be able to access the equity for some time.

A second home entails more expense than you might imagine. Beyond the purchase price, you will need to consider maintenance, security or a caretaker, utilities, property taxes, furnishings, travel costs and other items. You may also need to pay association or assessment fees. And if you intend to rent your property, you will most likely need to pay for advertising, and possibly for a property manager.

Further, insurance can be a major expense. Property insurance for a second home often costs more than for a primary residence, and may be more difficult to obtain. The more the house will be vacant, the higher you can generally expect premiums to be. Insurers may also want you to pay more if you plan to rent the property. In areas where floods or hurricanes are possible, flood insurance generally must be added separately.

When considering how you will finance the home, remember that second mortgages are usually more expensive than primary mortgages, as banks tend to believe that they are assuming more risk. Lenders may look at an applicant’s income, rather than general assets, which can make approval harder for retirees or those approaching retirement. Some buyers consider taking home equity loans on their primary residences to fund second homes, but this puts your primary home at risk.

When deciding whether a vacation home is a practical purchase, estimate all these expenses to get an idea of the carrying costs for the property. If you plan to maintain the property mainly for your personal use, divide the costs by the number of days you plan to visit, so you can see whether renting a home or staying in a hotel might be sounder financially.

Some people do consider a Vacation Homes by Owner a moneymaking vehicle, or choose to use it for both personal pleasure and to generate income. However, counting on rental income to net a profit after expenses may not always be realistic. In a high-demand locale, such as a ski resort or a desirable beach, your chances are slightly better, especially if your property is within a three-hour drive or so of a major metropolitan center. But the fact remains that, while 25 percent of vacation homeowners say they intend to rent their second homes, only 15 percent do so. Those who do so profitably form an even smaller group.

Perhaps the most important financial consideration is the tax implications of a second home. The primary factor affecting your personal tax situation for a vacation home is the property’s anticipated use. Will your second home be used only by you, your friends and your family? Is it practical to rent it to others seeking a vacation site? Specific tax rules for renting out your vacation home may help guide this decision.

You must first determine whether your vacation home is considered a residence or a rental property. The Internal Revenue Service considers your second home a residence if you personally use it for either 14 days a year or more than 10 percent of the number of days the home is rented out, whichever is more. Your use, a relative’s use or use by an unrelated party renting at less than fair price all count as “personal use” in determining the nature of the property.

If your vacation home is considered a residence, certain deductible rental expenses may be limited. Renting a property that the IRS considers a residence does not qualify as a “passive activity” for the purpose of income taxes. This matters because a loss incurred from one passive activity can be used to offset the income gained by another. Since renting a second residence is not a passive activity, you cannot use any rental expenses in excess of your rental income to offset income from other sources.

If the IRS considers your vacation home a residence and you rent the home out at least 15 days in a given year, you must characterize the division between rental use and private use. You must report all rental income in your gross income in addition to accurately dividing your expenses between personal use and rental use. Certain expenses, such as mortgage interest and property taxes, are usually fully deductible no matter how they are characterized, but are reported in different ways – to offset rental income if they are rental expenses or as itemized deductions if they are personal.

Other expenses, including maintenance fees, insurance, depreciation and other costs involved with renting out your vacation home are only used to offset rental income when they can be classified as rental expenses. (A complete list of deductible expenses can be found in IRS Publication 527, “Residential Rental Property.”) The allocation to rental use determines the amount of your expenses used to offset rental income. If you rent the home for half of the year, then half of your expenses may be deducted against your rental income. Given the complications of this division, it is probably wise to involve a tax professional if you intend to use your property for both personal and substantial rental activity.

If you do not want the burdens of allocating expenses and continually seeking renters, consider taking advantage of the preferential tax treatment the IRS offers for short-term rentals. The IRS permits you to rent your vacation home for fewer than 15 days annually without reporting any rental income in your total income, thus tax-free. Understandably, you may not deduct any expenses related to renting the home, as there is no reported rental income to offset. In this scenario, you would itemize all of your mortgage interest and property tax deductions on Schedule A.

If your second home will be primarily for personal use, be aware of residency rules in the states where both of your homes are located if they are not the same. Reestablishing your residency can be useful, but is sometimes challenging. New York, for example, is notorious for finding ways to keep its former residents on the tax rolls. A former New Yorker may want to take advantage of Florida’s preferable tax climate, but it isn’t simply a matter of deciding it’s a good idea.

While a timeshare may seem like a better idea on paper than buying a vacation home, the reality makes it unappealing for most people. In a timeshare, you pay a lump sum up front and maintenance fees thereafter. Atraditional timeshare then guarantees you the use of a specific unit at the same time every year (typically for a week, though it varies). Some newer timeshares operate on a points system, which gives users more flexibility in when and where they vacation, but also leads to competition for the best units at the most desirable times.

Though a timeshare is cheaper at the outset than buying a vacation home, it does not offer the same equity or appreciation potential. In effect, you are simply paying for years of vacations in advance, not investing. Additionally, maintenance fees can increase, and most timeshares don’t have a built-in expiration date. Because timeshare property is notoriously hard to sell, this can leave you (and potentially your heirs) indefinitely paying fees on a property you no longer wish to use. You would likely do better to earmark a portion of your portfolio for an annual vacation rather than to purchase a timeshare. This would allow your assets to appreciate, and would avoid the risk of locking yourself into an agreement with no simple exit.

If you decide to purchase a vacation home, several considerations remain. Location is crucial. Choose a region where you will want to be often – once a year or more – and possibly to the exclusion of other travel, depending on your time and resources. Rural areas can sometimes increase expenses; for example, insurance may be more costly if you are far from the nearest fire station. In addition, many desirable vacation properties are at increased risk for floods or earthquakes, further driving potential insurance costs up. If your desired property is abroad, review that country’s ownership laws and its history of honoring ownership claims from noncitizens.

Finally, think ahead to the possibility of selling your vacation home one day. As soon as your use of the property declines, it is probably better to sell it to eliminate the carrying costs and free the capital for other purposes. You may use the house less than you expected, or you may have used it a great deal when your children were younger but less now that they have become adults. Regardless, getting the process under way as soon as you know you want to sell is important. The housing market is still relatively weak, so it may take longer to sell the property than you expect.

If you rent your Vacation Homes by Owner enough for it to be characterized as a rental property, you will want to recover the cost of the home through depreciation. Recovery of the cost for residential rental property under the General Depreciation System (GDS) spans 27.5 years. This capitalized expense can be used to offset rental income, thus lowering your tax bill. Deducting depreciation may cause a net loss on your rental property; however, since your second home qualifies as rental property and not as a residence, you can reduce other income from passive activities with the loss. Remember, if you visit the home on vacation, you may only deduct depreciation allocated to rental days.

When the time comes to sell your vacation home, note that the IRS will treat the sale differently from that of your primary home. Your vacation home does not benefit from the $250,000 capital gains exclusion ($500,000 if married filing jointly) that your primary residence does. If you have owned the property at least 12 months, any profit from the sale will be taxed at the long-term capital gains rate.

In addition, if you claimed depreciation on the home due to rental use, you will need to refigure your cost basis to determine the gain. Even if you did not claim the depreciation deduction, you must still reduce the cost basis of the home by the amount of depreciation you could have taken. The portion of gain on the sale due to depreciation lowering your basis is considered depreciation recapture and will be taxed at 25 percent.

A lose-lose scenario arises when selling a vacation home; you do not receive any of the capital gains exclusion mentioned above, nor do you receive any tax benefit if you realize a loss on the sale. For this reason, consider converting your vacation home to a primary residence before selling. If you make your second home your primary residence for two of the five years prior to selling, you will qualify for the maximum capital gains exclusion.

If you want to keep the vacation home in the family rather than selling, it can cause some estate-planning complications. No matter how well your children get along, co-owning a property can lead to disagreements and hurt feelings, as can giving one child the home and another child an asset with less sentimental value. Even if your children share without issue, they may leave it to their children, resulting in a property split between eight or 12 cousins who may or may not know or like one another very well. Those who wish to keep the property may not be able to buy out those who wish to sell. All in all, it can create drama you may not foresee.

In the case where selling the home is too painful or impractical during your lifetime, you can direct your estate to sell it and divide the proceeds among your heirs. Alternately, you can set up a trust for the property’s operating expenses, then grant your heirs use of it under certain circumstances. Whatever you do, make your desires explicit, both in your will and by discussing them with your children or heirs. Ideally, involve a financial planner or an estate-planning attorney. Put everything in writing.

A vacation home can be a wonderful luxury, providing a place to get away from your day-to-day life and to build treasured memories with friends and family. As long as you think of it as a purchase rather than as an investment, you can make an informed decision about what’s right for you. Then, if you do buy a vacation home, you can approach it with realistic expectations and a good chance of enjoying it for years to come.

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The Best Places to Capture the Island Sunset on Oahu

One of the most beautiful scenes that Oahu has to offer is the image of our tropical sunset. The gorgeous reds, strong oranges, bright yellows, and deep purples, make the Hawaiian sunset a favorite subject for any aspiring photographer. Throw in the jet black silhouette of a fishing boat, tropical palm tree, or some canoe paddlers practicing for their next regatta and you’ve got yourself a picture worth bragging about. In this article I will share with one of the best places to go to capture these images.

To capture great photos of the 7 island sunset tour, you need to head over to the west side of the island. Just keep heading west on the H1 freeway until you come to the Koolina Resort, a five star resort located just outside the city of Kapolei. It is a great place to get pictures of our Hawaiian sunsets (there is a great golf course there too). On the resort property are 4 man made lagoons that are open to the public. Between these lagoons are walkways that have plants and coconut trees bordering them. This is where you want to set up. Be sure to bring your tripod and whatever lenses or filters you may need. Find a spot where you have a clear view of the horizon along with any silhouettes that you plan to capture. Once you’re set up, just relax and wait for the show. But don’t forget to take the picture.

Now there certainly are other spots down the entire west coast of the island that you can use to capture beautiful images of the tropical sunset. These spots include Nanakuli Beach Park, Maili Beach Park, Pokai Bay Beach Park, Makua Cave and Yokohama Bay. However, if you choose to travel to these locations, please be very careful and always be aware of your surroundings. This area of the island is where many of the homeless and lower income locals live. A wandering tourist carrying an expensive camera or an unattended vehicle with photography equipment in its back seat might just be too much of a temptation for some of these characters.

The tropical 7 island sunset tour of Oahu is one of the most popular and beautiful images that any photographer can capture. And with this knowledge of where to capture these images, you can now shoot your own images and personalize your memories of your stay here on Oahu.

When visitors come to Hawaii to enjoy a well earned family vacation, the first island that they come to is the island of Oahu. Oahu is, by far, the most populated island in the Hawaiian chain and holds many of the attributes that make Hawaii a favorite destination spot for vacationers. Unfortunately, many of the visitors that come to Oahu, end up leaving here frustrated and disappointed. Being rushed around by tour guides everyday and having to deal with the hustle and bustle of Waikiki is not the best way to spend a Hawaiian vacation.

To truly enjoy and appreciate everything that Oahu has to offer, you need to have inside information on where to go, what to do and when to do it. Being born and raised on the island, I have access to this type of information and I’m ready to share this information with everyone through my articles. Armed with this insider’s knowledge, anyone visiting Oahu will be sure to have a great time and will then pass along the word on how beautiful and relaxing it was to spend their vacation on Oahu.

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Let’s talk best man wedding toasts

After All, They Are Special


Some of the best wedding toasts we have heard have been funny and simple. The best man wedding toasts are an important moment and sometimes a pivotal one for the entire event. This special day is supposed to be full of elegant, funny, emotional, and sometimes over the top speeches. When a person attends a wedding at a wedding banquet hall there is never a shortage of the unexpected no matter how well the event is planned. People are unpredictable let’s just hope for your wedding celebration these attendees lean more towards the humor side of things.

Having planned hundreds of wedding ceremonies we can tell you humor and good tears win over every all other emotion. We wanted to take a moment to share some of the funny best man wedding toasts. Here are some toasts and one-liners that have left a lasting impression over the years:

  • It’s been an emotional day, even the cake is in tiers.
  • Folks I have been told I am not allowed to have a drink until AFTER my speech. If I seem like I’m in a hurry to finish, it’s because I am.
  • I hope the two of you have the two essential things it takes to have a successful marriage 1) a sense of humor 2) selective hearing.
  • Psychiatrists say that girls tend to marry men like their fathers. That must be why mothers cry at weddings.
  • Love is not about how often you say I love you, but how often you show that it’s true.
  • Loyal, caring, sincere, honest, a great man… but that’s enough about me, I’m here to give a speech about [grooms name here]!
  • True love is our soul’s recognition of its counterpart in another.
  • You don’t marry the person you can live with; you marry the person you can’t live without. Which is exactly what [bride] and [groom] have done, so let’s raise a glass to them.
  • May your love be modern enough to survive the times but old-fashioned enough to last forever.
  • The goal of marriage is not to think alike but to think together.
  • I do have to say though [groom] just how lucky you are. You will leave here today with a wife who is warm, loving, and caring. And [bride], how lucky you are as well. You leave here today, having gained a lovely dress and a wonderful bouquet of flowers.
  • To love, to laughter, to happy ever after.
  • To start this speech, I Googled ‘the perfect best man speech’ but you had to pay to read the examples and I didn’t think it was worth it, so I’m just going to wing it.
  • Because we all love someone who is in heaven there is a little bit of heaven at this wedding
  • I’d also like to congratulate the [groom] on a truly amazing speech, I always knew it would be hard to follow and I was right. I could barely follow a word of it!
  • The [groom’s name], is a wonderful, handsome, charismatic man. He would do anything for anyone. He even wrote this speech for me!

The speeches that seem to have the longest lasting effect are the ones that have the done the following:
According to 

  1. Prepared the speech ahead of time
  2. Keep the best man speech short and crisp
  3. Use a great opening line for the bride and groom and their guests
  4. Seem to know enough about the groom to add something no one else knows
  5. The best man must have a good closing line for his speech

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