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BY  Shahnawaz Mar 1, 2024

In today's world, where wanderlust meets savvy investment strategies, there's a growing trend among travelers and investors alike: vacation properties. This unique approach not only satisfies the urge to explore new destinations but also presents a prudent financial investment through the acquisition of real estate. Here's how blending the love for travel with the intricacies of mortgages can create a rewarding venture. Why Consider Vacation Properties? Vacation properties serve dual purposes; they are a getaway retreat for you and your family and a potential source of income through rental. In picturesque locales, from the sandy beaches of Bali to the quaint villages of Tuscany, these properties beckon with the promise of adventure and the allure of financial returns. Investing in a vacation property has a lot of benefits. The first thing is, as mentioned above, it is an amazing source of passive income. When you rent out the property, you get back substantial returns, especially during the peak seasons. Moreover, vacation rentals have higher rental rates as compared to long-term rentals, which gives you more revenue. Along with the financial benefits, when you own a vacation rental property, you get to spend a lot of time enjoying your personal vacations as well. You can spend a lot of time on your own property when the place is vacant. You get to enjoy all the amenities you have set for others.it is a perfect relationship between investment and vacation home. Understanding the Mortgage Process for Vacation Homes Investing in a vacation property often involves navigating the mortgage landscape, which can be daunting for both seasoned investors and first-time buyers. The process entails several unique considerations: Interest Rates and Terms: Mortgage loans for vacation homes may come with different interest rates and terms compared to primary residences. Lenders often view these properties as higher risk, which can influence the loan conditions. Down Payment Requirements: Typically, vacation homes require a larger down payment, sometimes as much as 20-30% of the purchase price, reflecting their status as luxury or non-essential purchases. Rental Income Consideration: If you plan to rent out your vacation home, lenders might take potential rental income into account, which can aid in qualifying for a mortgage. However, this requires thorough documentation and, sometimes, previous landlord experience. The Joy of Travel and the Wisdom of Investment Owning a vacation property allows you to immerse yourself in your favorite destinations. Whether it's a ski lodge in the Rockies or a beachfront villa in the Caribbean, these homes offer a personal escape with the warmth and comfort of your own space. Beyond personal enjoyment, these properties can be rented out to vacationers, providing a steady income stream that can offset mortgage payments and maintenance costs. Navigating Challenges and Rewards The journey of buying and owning a vacation property is not without its challenges. From managing the property remotely to understanding local real estate laws, it requires diligence and research. Yet, the rewards can be substantial. Not only do you enjoy personal retreats in beloved locales, but you also stand to gain from property appreciation and rental income. A Call to Adventure and Investment As we navigate our world, the concept of investing in vacation properties presents a compelling blend of adventure and financial prudence. It embodies a spirit of exploration, not just in the sense of travel but in the realm of financial growth and stability. For those bitten by the travel bug and those seeking to expand their investment portfolio, vacation homes offer a horizon worth exploring. Factors you should consider while choosing the location of the property Picking the correct location for your vacation rental property is essential. Here are some of the crucial factors that you should consider: Factors you should consider while choosing the location of the property Picking the correct location for your vacation rental property is important. Here are some of the important factors that you should consider: Local attractions and tourism demand How successful your vacation rental property is going to be depends on the demand of the place. Before you invest, check for the popularity of the place among travelers. Identify the local attractions that are drawing the visitors to itself. Consider the things that are making the place popular. Whether it is their cultural heritage, its natural beauty, or how close the place is to the popular destinations. Properties that are close to tourist spots or close to vacation destinations have a tendency to attract more renters. You can choose coastal destinations, urban hotspots, ski resorts, historical and cultural sites, and some emerging destinations. Along with the well-established vacation sports, the emerging destinations are a good investment.  Look for places that are rapidly developing; they have high potential for getting you a high rental return. Rental and seasonality demand Having a good understanding of the tourist season in the place is important. Research about the holidays, special events, and the peak tourist seasons that will take the rental demand to the next level. If the location is such, which has a year-round demand, it is going to get you a consistent source of income. But if the property is in a seasonal location, then you might get fluctuations in the rental bookings. Regulatory environment Before you get a vacation rental property, it is important to know the regulatory environment of the location. Some countries and cities have specific rules and regulations regarding short-term rentals. Get yourself familiar with the restrictions and local laws to make sure you abide by all the regulations. Try not to ignore the legal aspects, as that could land you with a penalty or even cause your rental business to close. Amenities and infrastructure Think about the accessibility and proximity of the essential infrastructure as well as the amenities. Choose an area that has good transportation links, restaurants, shopping centers, and entertainment options. Guests always prefer properties that are convenient and have easy access to the services and local attractions.  Final Thoughts Before embarking on this journey, it's crucial to conduct thorough research, consult with real estate and financial professionals, and consider all aspects of the investment, including the potential need for a mortgage. With the right preparation and mindset, owning a vacation property can be an enriching experience that combines the joys of travel with the benefits of real estate investment. ADDITIONAL READING: A Guide To Planning Your First Family Ski Trip The Ultimate Business Traveler’s Guide To Bangkok From Britain To Australia: A Guide For Brits Making The Move Down Under

BY  Sibashree Feb 25, 2026

The beauty of a tropical beach is truly unmatched - the beautiful sky stretching endlessly, the glistening white sand everywhere, coconut trees creating a perfect backdrop against the sky, and the sea.  Oh, the beautiful sea! The blue waters and the rhythmic soft crash of waves on the beach always end up transporting me to a land far away. In this land, I am a lone wolf, much like Robinson Crusoe on an adventure - and no, before you ask, I don’t need my man Friday here.  All the beauty around is the perfect companion - you don’t really need anything, especially if you have been seeking an escape from your daily, mundane corporate life.  I am not here to convince you about taking a much-needed vacation - because I’m sure you are already planning one. But I am here to share my favorite tropical beaches from around the world.  For context, my mother is a national-level professional diver - and it is only normal that I spent my teenage years and most of my 20s visiting beaches around the world - nothing makes me calmer than spending a few days by a beautiful beach.  So here I am with a singular purpose - to share my list of the best tropical beaches around the globe.  I’ve also attached a complete itinerary for each beach to help you out, in case you want to plan a visit to any of these beaches.  Stay tuned.  The 10 BEST Tropical Beaches In The World: So, without wasting time talking about boring beaches, let’s check out some of the most beautiful tropical beaches across the globe.  10. Makena Beach (Maui, Hawaii): I have a soft corner for Hawaii in my heart for years now - nearly a decade to be precise. I was only 19 when I first visited Hawaii on a family vacation.  Since then, I’ve returned a few times - because I just can’t get enough of this beautiful island.  Also known as the Big Beach, Makena Beach is located in Makena State Park on the island of Maui.  With white sand stretching for 3000 feet or more, Makena Beach is perhaps one of the longest beaches in Maui.  Moreover, it is a very popular tropical beach in Hawaii - and rightfully so! Also, I love how there is a rocky formation on the northern part of the beach. Additionally, if you want to climb this volcanic formation, a small (but beautiful) surprise awaits - welcome to the Little Beach, a popular nudist beach.  FYI, it is illegal to indulge in nude sunbathing when you are in Hawaii - but, on Little Beach, nobody really cares!  9. Nusa Lembongan (Bali, Indonesia): Of course, Nusa Lembongan is not the best tropical beach in Bali - the place has so much to offer when it comes to beautiful beaches.  But for me, Nusa Lembongan is special - and I recommend it heartily to everyone.  So what is it about Nusa Lembongan that appeals to me so much? It’s about the vibe for me, really - I love the low-key, chill vibes here.  It was a relaxing weekend. Also, I stayed with my partner at this stunning beachfront property with a pool overlooking the beach.  Additionally, during low tide, the beach exposed a seaweed farm - it was so cool. This was an epic experience, especially the sunset - it was so serene, reflective, and deeply romantic.  8. Yasawa Island (Fiji): Fiji is a spectacular country with its string of stunning islands.  I was only 17 when I traveled to Fiji for the first time, and I'm so thankful that I was able to visit one of Fiji’s most remote islands, the Yasawa Island.  While I haven’t been back to Fiji in the past 12 years, I can say Yasawa continues to be one of my favorite tranquil escapes.  Interestingly, the only way to reach Yasawa Island is fly on a puddle-hopper plane or take a boat. Since there is no runway on the island, the eight-seater aircraft uses a grass strip. Moreover, the island is home to only one resort - the Yasawa Island Resort and Spa.  Because the place is so remote, nature feels untouched here - the ocean and the beach are absolutely clean, tranquil, and mesmerizing!  So, if you have been looking for a secluded tropical beach, this is your answer. It’s practically the middle of nowhere - somewhere in the middle of the vast South Pacific Ocean, on a small island.  7. Eagle Beach (Aruba): While the beautiful waters of Aruba are famous, I suggest visiting just for the fun island charm you will find here.  Interestingly, the most popular beach in Aruba is Palm Beach. But it is also the most crowded spot in Aruba, thanks to the high-rise hotels and famous tour operators. However, it wasn’t really my thing. For starters, I hate very crowded places, and everything seemed too commercial. I am more of an organic person. As a result, Eagle Beach had a different kind of appeal.  The water at Eagle Beach is calm and beautiful. Moreover, it is not crowded, which makes the entire vibe of the place very low-key and peaceful (just what I like) 6. Grace Bay Beach (Turks & Caicos): The Turks & Caicos are famous for their tranquil, turquoise waters and beaches with white sand.  But if I had to pick my favorite beach here, it would always be Grace Bay Beach. Why? Because you can walk for miles on uninterrupted stretches of sand with plenty of quiet, serene corners.  Moreover, small markets and small restaurants are scattered along the beach, without making the experience too commercial for tourists.  Also, this is the most popular beach located in Providenciales with fancy hotels and too many tourists.  But don’t let that discourage you - the beach is long enough for you to find your peace, much like I did.  5. Carlisle Bay (Barbados): Without a doubt, Barbados is home to some of the Caribbean’s best tropical beaches. And while I’ve been here a number of times, Carlisle Bay is my absolute favorite.  Located just outside Bridgetown, Carlisle Bay has a ton of activities on offer. From sunbathing and snorkelling to paddleboarding, there’s so much to try out. Moreover, there are several nice hotels here, and in spite of all the accommodations on the bay, the place is relatively quiet. Also, I fell in love with the crystal-clear water here.  And the best part? You might just end up spotting a turtle if you are out snorkeling. 4. Kalalau Beach (Kauai, Hawaii):  If you have been planning a trip to Kauai Island in Hawaii, chances are you have definitely come across the NaPali Coast, and more importantly, the famous Kalalau Trail.  So, I’ve been to Kauai Island thrice, and it is the jaw-dropping landscape that appeals to me so much - it is unlike anything I have ever seen.  FYI, the NaPali Coast is a rugged, mountainous region - there are no roads, and accessibility is zero. The only way to commute here is either by taking a boat or hiking for 11 miles (17 kms).  In case you choose to hike, note that the trail is right beside cliffs that are over 2000 feet high.  While this is definitely not for anyone faint-hearted, once you hike to the destination, you will be mesmerized - Kalalau Beach awaits you! Located in the gorgeous Kalalau Valley, the beach has a stunning backdrop. What makes Kalalau Beach so special is how difficult it is to reach this place.  But be careful - this place is not meant for swimming. The currents and rip-tide are no joke. Plus, people have actually died or gotten injured in this area. Also, if you are hiking, you will need a permit beforehand.  Additionally, you can also hike specific parts of the valley via another park - this park offers a different perspective of the valley and the beach.  You can also go for a helicopter ride in this region - the views are absolutely stunning!  3. El Nido (Palawan, The Philippines): I visited the Philippines in 2021, and on my first visit itself, El Nido had my heart.  Located in Palawan, the beautiful El Nido is famous for its gorgeous limestone cliffs, diverse marine life, and its islands.  Moreover, the beach is home to beautiful reefs. As a result, diving here was an exceptional experience. Plus, the landscape was spectacular. I just hope that the marine life in this region continues to be untouched.  Also, I loved how you need a boat to visit most islands in this region - it makes everything remote, unique, and memorable.  2. Baa Atoll (The Maldives): Located in the beautiful (and very popular) Maldives, Baa Atoll is a UNESCO biosphere reserve - and that too since 2011.  FYI, the Maldives has only one such biosphere reserve - and this is precisely why you must consider planning a trip to Baa Atoll.  Due to the vast ecological diversity in Baa Atoll, including one of the biggest groups of coral reefs located in the Indian Ocean, the beach received UNESCO’s official designation.  Moreover, the area is protected and has several beautiful beaches. Also, most of the resorts here have private beaches with crystal-clear water.  In addition, I found a very cool house reef near the beach - you can explore and check it out.  1. Bimini (The Bahamas): Located in the Bahamas, Bimini is my favorite tropical beach in the whole world. Of course, you can disagree with me and claim there are better beaches.  TBH, it is possible, but for me, Bimini is home! I’ve visited this island more than five times, and I am definitely going back soon.  If you dream about swimming at a stunning, tropical beach with dolphins on your side, then you should definitely consider visiting Bimini at least once.

BY  Abdul Aziz Sep 25, 2023

Beaches are one of nature's greatest wonders that attract millions of visitors annually. With their scenic vistas and the soothing sounds of waves, beaches offer a sense of calm and tranquility. However, beneath their beauty lies many mysteries and surprises. From the endless motion of tides and currents to the minute particles that make up the sand, beaches hold remarkable secrets. In this article, we explore some of the most fascinating yet unknown facts about beaches that will leave you astonished. The Sand Shifting Spectacle Have you ever noticed how the arrangement of sand on the beach appears to change with every visit? This is no illusion - and is always on the move. Prevailing winds and waves continuously transport sand particles up and down the coast. It has been estimated that over 100 million tons of sand shifts globally every year! More perplexing is that the sand migrates in large belts called sand shadows that stretch for miles underwater. Intricate currents carry the grains long distances before depositing them in new locations. So, the very sand formations we see today were not here years ago, demonstrating the dynamic nature of beaches. The Micro Marvels Taking a closer look, each grain of sand is a minute miracle. Under a microscope, their shapes - rounded, angular, or elongated - tell stories of the forces that wore them down from rocks and polished their edges during travel. More incredible than their structures are their constituent elements. Most beach sands contain over 90% silica in the form of quartz. But other common yet tiny components include corundum (a mineral harder than quartz), zircon, rutile, and monazite. These durable crystals withstand erosion to eventually materialize as multicolored specks within the ordinary sand. Such compositional diversity packed into one scoop of sand bursts our perception of its simplicity. You can learn more about beaches by following Westhampton Beach news. The Invisible Border Control What truly demarcates where the land ends and sea begins is another enigma, revealed only at high or low tides. Known as the shoreline, this boundary between water and Earth is governed by complex tidal patterns. Differences in tidal ranges around the globe also make for head-scratching sightings. In places like the Bay of Fundy in Canada, tides vary by over 16 meters - high enough to submerge harbors! On the contrary, tides along the Atlantic coast of the USA are a mild 1-2 meters. Consequently, exactly defining the coast is tricky business, owing to the ocean's fluid occupation and abandonment of shore spaces throughout each day. The Living Beach Combers Lurking within the beach sands is a whole unseen universe teeming with critters. A single handful contains multitudes of crabs, clams, snails, worms, and more - true beachcombers that sift nutrients from the grains. Some, like the mole crab, have adapted shovels and gills for an underground existence. Others like sand dollars appear genteelly gliding over the ocean floor but are in fact agents of filtration. Their ensemble supports a delicate food web that cascades onto shorebirds, fish, and more. Together, these coastal colonizers comprise an integral living fabric woven into the very landscape we walk upon unaware. The Secret Of White Sand Beaches Most travelers envision picturesque white sand beaches when dreaming of tropical paradise destinations. However, few realize that the white sand creating such idyllic shores is far from a natural geological phenomenon. Its genesis can be attributed to an unlikely source - the excrement of colorful reef inhabitants known as parrotfish. Parrotfish play a vital role in marine ecosystems through their prolific feeding habits. With their specialized beak-like jaws adapted for grazing coral structures, they consume vast amounts of dead coral rubble. However, their digestive systems lack the ability to break down the indigestible coral skeleton remnants. As a result, kilograms of crushed coral limestone are processed and expelled from the fish in the form of fine white granules. To Wrap Up These are but a few astonishing truths behind our literal and metaphorical shorelines. Indeed, beaches hold more puzzles and poetry than first meets the eye. Their ever-shifting sands, microscopic marvels, cryptic borders, and thriving undercover life form a picture far richer than their placid outward appearance projects. The more we learn to look, the deeper the discoveries and wonder we gain from nature’s simple yet most complex creations – the beach. Read Also: Best Beaches In Costa Rica For Family Vacation A Guide To Traverse City Beach – 10 Best Beaches To Explore These Are The Closest Beaches To Ohio That You Need To Go For A Dreamy Vacation!