Harbor Island is an exclusive gated community located at the end of Harbor Island Road in Newport Beach. Homes for sale on Harbor Island range from $5M - $30M. All the homes on the island are waterfront and have private docks. Homes rarely come on the market and when they do they often attract multiple buyers looking for the privacy that this prestigious island offers. For anyone looking for privacy, while enjoying all the amenities of Newport Harbor and having easy access to the rest of Newport Beach, there is really no place that can compete with Harbor Island.
If you have any interest in moving to this unique island please contact KistlerGroup.
KistlerGroup specialize in Coastal Properties located in Orange County, CA. Living near the water in Orange County is so much more than a home it is a "Lifestyle." Our passion is assisting our clients in finding a comfortable home without sacrificing the lifestyle they desire. Orange County Real Estate is very exciting and competitive. They are aggressive house hunters, powerful listing agents yielding excellent results, and a shrewd negotiators -- If you are looking for a Real Estate Powerhouse that earns your business with a proactive attitude, hard work, consistency, and responsive service always accompanied with a smile and determination. They stand ready to earn your business by demonstrating nothing less then the best.
Many times the homes for sale on Linda Isle are sold through private listings and never reach the MLS. KistlerGroup has the inside scoop on most of the homes on this island and could provide you the edge on achieving your dream of owning one of these beautiful homes for sale on Harbor Island.
If you are looking for homes for sale on Linda Isle just call KistlerGroup and let our professional real estate advisors help you to find best properties for you, 949-887-6636
This is the one insurance most us think we will never need, as none of us assumes we will become disabled. Yet, statistics from the West Hills insurance show that three in 10 workers entering the workforce will become disabled, and will be unable to work before they reach the age of retirement. Of the population, 12% are currently disabled in some form, and nearly 50% of those workers are in their working years.
Even those workers that have great health insurance, a good insurance policy never prepare for the day when they might not be able to work for weeks, months or may not ever be able to return to the job. While health insurance pays for your hospitalization and medical bills, where is money coming from to pay those daily expenses that your paycheck covers? Here are a few very sobering statistics regarding disability:
If you are injured and off work for even three months, would you have enough in savings to cover your living expenses? Consider what you might face financially if you suffer a major medical condition such as cancer and were unable to work for over a year.
Many employers offer both short-term and long-term disability coverage as part of their benefits package. This would be the best option for securing affordable disability coverage. If they don't, seek out a private insurer. If you aren't sure how much coverage you need, AARP offers a very good disability insurance calculator to help you.
A policy that guarantees income replacement is the optimal policy; more usual terms are replacement of 50 to 60% of your income. The cost of disability Northridge insurance is based on many factors including age, lifestyle and health. A small price to pay if you are faced with a devastating illness or injury. Disability insurance will guarantee that you will have some income when you can't work.
Auto Insurance
While all states do not require drivers to have auto insurance, most do have requirements regarding financial responsibility in the event of an accident. Many states do periodic random checks of drivers for proof of insurance. If you do not have coverage, the fines can vary by state and can range from the suspension of your license, to points on your driving record, to fines from $500 to $1,000.
If you drive without Westlake Village insurance and have an accident, the fines will probably be the least of your financial burden. Your car, like your home is a valuable asset you use every day. If your car is damaged in an accident and you have no auto insurance, you will have no way to replace that vehicle unless you have a large savings account, and you don't really want to tap into that savings when auto insurance could cover the cost.
If you, a passenger or the other driver is injured in the accident, your auto insurance will pay those expenses, and help guard you against any litigation that might result from the accident. Insurance in Westlake Village insurance also protects your vehicle against theft, vandalism or a natural disaster such as a tornado or other weather related incidents.
Again, as with all insurances, your individual circumstances will determine the price of your auto insurance. The best advice is to seek out several rate quotes, read the coverage provided carefully and check periodically to see if you qualify for lower rates based on age, driving record or the area where you live.
Many parents like Irvine daycare because they offer a formal, structured environment. Many daycare centers are inspected for licensing purposes, in some cases caregivers are supervised (many classrooms have more than one teacher), and a director oversees the entire operation.
Staff members at good centers are usually trained in early childhood education so they know what to expect from your child developmentally and are able to nurture his growing skills accordingly. If the center you're considering doesn't hire knowledgeable staff, keep looking.
Good Irvine Childcare centers include a nice mix of activities during the day to teach different skills, such as singing, dancing, and storytelling.
Another plus: Centers have clear-cut rules for parents to follow (such as pickup and drop-off times) so you know exactly what are expected of you. A daycare in Irvine is usually more affordable than a nanny. Plus, parents have the opportunity to meet other parents who may be able to lend support and babysitting time.
Also, the arrangement is more stable (compared to, say, nanny or relative care) because the center agrees to watch over your child regardless whether a teacher is sick or tardy or even tired of working for you
There’s quite a lot of research on the issue, which isn’t surprising considering how ubiquitous child care is in this country: According to the U.S. Census, 16 percent of babies under the age of 1 are enrolled in center-based day care, while 26 percent of 1- to 2-year-olds are. Adding in family-based day care—day care out of someone's home—and nannies, 33 percent of children under age 5 are regularly cared for by nonrelatives. This figure doesn’t even include the 18 percent of kids who have multiple childcare arrangements.
Childcare in Irvine is a full-time day care. They maintain the children’s schedules, such as play, nap, and meal times. Others things they do include:
• Supervise and monitor the safety of children in their care
• Prepare meals and organize mealtimes and snacks for children
• Help children keep good hygiene
• Organize activities so that children can learn about the world and explore interests
• Develop schedules and routines to ensure that children have enough physical activity, rest, and playtime
• Watch for signs of emotional or developmental problems in children and bring the problems to the attention of parents
• Keep records of children’s progress, routines, and interest
So if you are living in Irvine and looking for a safe place to take care of your kids Irvine daycare is the best place for you.
Have you ever thought of life after death? God has made Heaven for those who have done good deeds in the world. The life in Heaven will be full of comforts and happiness. No one will experience fear, pain or trouble. Conversely, bad people will be punished in Hell, which will be full of fire. The question arises, How to get to heaven as everyone of us has done wrong deeds or sins in life.
Even though we try to live according to the orders of God, all our efforts to Find Salvation fail inevitably. God dislikes sins and has demonstrated that the punishment of sinful life is death, the spiritual separation from God. To revive your connection with God, You must know the Jesus Christ. How do I know Jesus as I am unable to see Him?
Jesus came as human to Earth to give us a chance to live with God in eternity. Jesus gave life so that we will have full of purpose life in Heaven. He sacrificed the worldly life just to give everlasting life to His followers. Do you know, How to have extra life? Knowing all these facts is not enough. One must have firm faith and trust in Jesus without seeing Him with real eyes. It is disclosed in the Bible that those who trust in God are promised the extra life and eternal pleasure.
The real followers of Jesus believe that we are the sinners and the Christ died to save us. During prayer, they repent of their sins and ask for absolution. Jesus knows his followers and has great love for them. How to find Jesus is just the matter of the heart. Love Jesus and accept Him as the Savior.
If you are experiencing some insecurity or concerned about your future, the only way to overcome is to develop a relationship with God. It gives confidence when we understand that God has solution of each problem. Instead of thinking about How do I know God , just have believed in Him with fair heart. The Bible is the word of Gods that reveals His plan and act of virtues that He demands from His followers. Jesus invites everyone to begin an eternal association through prayer. While praying, admit your faults and ask for forgiveness. Accept the death of Jesus for your wrong doings; call Him your Savior, who guides you in your life.
Home Affordable Modification Program
The government of the Unites States of America created the Houston Loan Modification Program in the year 2009.
This program by the government was aimed at providing relief to distressed house owners by reducing their debt or mortgage payments in a manner that the payments turned out to be 31% of their pre-tax monthly returns.
This Houston Loan Modification program did not have all the lenders participating in it. The following criteria were used in determining who was going to participate in the loan modification process and who was not going to qualify.
· The borrower must have gotten his/her mortgages on or before 1st January the year 2009. The borrower must also owe a maximum of $ 729750 on his/her basic residence or any other real estate property owned by the affected party. The property must cost up to $934200 on a dual rental unit. For this case, the government sets higher perimeters for rental properties with more units.
· The borrower must have enough documentation of income which will be used to pay for the mortgage incase the loan qualifies to get modified.
· An affidavit of proof of financial hardships must be sought and also be signed with the relevant authorities. This document shows evidence that the borrower has been having financial crisis as a result of things like illnesses, loss of property or divorce as factors that are prompting the person to seek the modification.
· Income documentation, tax returns recent pay stubs, a list of assets and their values and credit cards must be provided to the lender accompanied by a letter outlining the economic sufferings.
At the moment all this information has been collected and is well organized by Jefferson Legal Group , the borrower can now proceed to calling their mortgage servicer and then explain to them that you need loan terms modified.
Effect of loan modification on one’s credit
The New York Loan Modification process has mild impacts on a person’s credit. This is because the government has come up with terms that require the lender to report House Affordable Modification Program to Jefferson Legal Group in such a way that does not eat so much into the involved person’s credit.
Alternatives for New York Loan Modification
There are various ways that can be used to redefine the terms of a loan in case a borrower does not pass the earlier loan modification criterion with help of Jefferson Legal Group .
They include:
· Locating tenants who will rent a borrower’s home and then use the rents paid to service his/her mortgage.
· The lender can be given the home back by using “deed-in-lieu of foreclosure”
· The home can be short sold-here the borrower comes into terms with the borrower to sell the house for less than what is owed to the bank.
· A lender can reduce or suspend the loan payment period for up to 90 days.
Reasons why people seek loan modification.
· A borrower having less income than he/she intends
· Death in a family or sickness
· Bankruptcy of the borrower