The ghosts and witches are packed away. A few stray pumpkins survive until after Thanksgiving. I walked in the Branch Clinic Kingsbay to pick up a prescription and there was a (GASP!) Christmas tree being decorated in the lobby. NOOOOOOO! It's too early. It's like Thanksgiving doesn't exist or matter. It's a side line required family meal once a year.:(
Our church back in Pennsylvania had a lovely custom for the holidays. They would give out packets of communion wafers (one large one you would break into as many pieces as you needed). At major holiday meals we would say Grace and then share the communion wafer so we all partook of the host to share the meal together. Family traditions are so important to build a strong family and a strong community. When we are home for the holidays, we have neighbors as well as family around the table.
I have included an interesting article on Buying and Selling home with solar panels. It is included at the bottom of the Newsletter. I hope you find it interesting.
Here are some ideas if you are looking for some FUN THINGS GOING ON:
E Chester Ave, Kingsland, GA 31548, United States
In Kingsland, we are fortunate to be home to a plethora of talented makers, bakers, and growers. Second Saturdays features the Kingsland Homegrown Market- a treasure trove of unique creations, from wire wrapped crystal necklaces, to delightful treats for your furry friends, to stylish t-shirts.
As if it couldn’t get any better, there will be a wide selection of delicious food to choose from as well! From savory treats to sweet indulgences, the food options during Second Saturdays will delight your senses and keep you energized throughout the day. Not only will there be food trucks and vendors with tasty treats, but the downtown Kingsland area is loaded with amazing local restaurants.
All in all, Second Saturdays offer a wholesome community experience, making for memories that’ll last a lifetime.If you’re interested in becoming a vendor at our Homegrown Market held the 2nd Saturday of every month, vendor registration is available online at KingslandDDA.com or https://form.jotform.com/231016112236035 To read more about Second Saturdays, visit: https://visitkingsland.com/second-saturdays/ and stay up to date with the Kingsland
Come step into a little piece of Stars Hollow and enjoy BURGERS, courtesy of Bessie's On The Move! We will also have themed drinks (Come try the "Hep Alien" or the "First Snow") plus TRIVIA!!
Build your team (up to 4 people) and play Gilmore Girls Trivia! Only $10 entry per team! Trivia will begin promptly at 7pm.
Other fun things include: giveaways, fun mugs to enjoy your drinks in, DONUTS and more!
Come enjoy all things Gilmore Girls!
Duration: 45 min
Join our ranger for a fun night full of sweet treats and fun campfire games.
This program is free
Space is limited. Please call or visit the main office to register
We are meeting at a new location
Meet us at Murray Ford Kingsland
From 9am-12pm
Coffee by Blue Bridge Coffeehouse
Join us for some Wizard inspired fun! Lots of activities for our HP enthusiasts.
All ages welcome~
Yulee FL RaceWay 462569 State Rd 200 32097
Yulee FL - GIGANTIC Truckload Sale! It's time to fire up the grill with some incredible deals at our Truckload Event!
WHERE:
Yulee FL
RaceWay
462569 State Rd 200 32097
WHEN:
Nov 8-12th
Wed-Sun 9a-6p
(or until we sell out)
4.9 on Google (3200+ Reviews)
A Rated BBB Accredited Business
Limited Truckload Specials*:
20 Ribeyes $39.99-$49.99
8 Strips $39.99
These are very popular & we do run out!
Prime & Choice Beef Family Packs
Boneless Chicken Breast Variety Packs
Wild Caught Seafood Family Packs
Pork Variety Packs We accept credit, debit, cash, EBT, and offer quad pay to better serve you!
All of our meat is grass fed, grain finished and sourced from Midwest!
USDA inspected and certified.
All Products Vacuum-Sealed & Freezer-Ready. Ask the staff about BOGO Case Deals!
Managers and VIP Specials Available
10% First Responder, Military, & Senior Citizens Discounts 65+ (excludes Truckload Specials)*Selection may vary! Coupons or vouchers are not stackable and cannot be combined with other deals and offers. While Supplies Last.
Studio 904
Tickets
studio904.square.site/events
2nd Friday Latin Social!
Join Us for a Sizzling Latin Night at Studio 904!
Get ready to dance the night away to the electrifying rhythms of Salsa, Bachata, Kizomba and more! Whether you're a seasoned dancer or brand new to Latin dance, this event is your ticket to an unforgettable night of fun, music, and movement.
Event Details:
Date: Friday November 10th, 2023
Time: 8pm- Sensual Bachata Workshop with Jorge
9pm-1am - Social
Location: Studio 904
10210 San Jose Blvd Suite 1
Jacksonville, FL 32257
(additional parking in adjacent lot!)
Dance Performances: Enjoy captivating dance performances by our talented students and instructors.
Social Dancing: After the workshop, the dance floor is open for you to practice your new moves and meet fellow dance enthusiasts.
Fun and Energetic Atmosphere: Expect a night filled with laughter, great company, and the infectious spirit of Latin dance!
Ticket Information:
$15 for workshop
$15 for social
$25 for both
Pre-register here- https://studio904.square.site/events
Grab your dancing shoes and your friends, and let's create memorable moments on the dance floor.
RSVP now and invite your friends for a fantastic Latin night!
If you wish to participate in the Parade please Email Chris at wat88@yahoo.com No later than Wednesday Nov 8th, 2023.
Naval Submarine Base Kings Bay
Duration: 2 hr
FREE Ticket Alert
TICKETS WILL BE AVAILABLE TO ACTIVE DUTY, GOLD STAR FAMILIES, NATIONAL GUARD, RESERVISTS, and DEPENDENT SPOUSES!
Limit of 4 tickets per household!
**Must have a Ticketmaster account for Jaguars to accept tickets**
Jaguars Game Sunday, November 12th at 1:00pm
Tickets will be available on Kings Bay Naval Submarine Base at Finnegan's Bowling Alley on Wednesday, November 8th from 10am-12pm or while supplies last!
Join TAB to accrue volunteer hours, lend your voice for what you would like in our teen section, give feedback on programming, and more!
Oak Grove Cemetery
Tickets
mollysoldsouth.com/scoundrels-and-scalawags-st-marys-founders-tour
Murderers and bigamists, spies and perpetrators of fraud. These were St. Marys’ founders!
On this walking tour, stroll St. Marys’ quaint streets named after its 18th-century founders and discover the escapades of these colorful men. You will never view the streets of St. Marys the same way again!
-View St. Marys’ beautiful waterfront and learn why the founders were inspired to create a town at this bluff. Hint: It had to do with protection from a terrifying enemy!
-Take in peaceful Oak Grove Cemetery, which survives from the time of St. Marys’ founding.
-View stately historic buildings associated with the founders’ nefarious (and often illegal) deeds.
Afterwards, sip the same wine the founders would have enjoyed 200 years ago. The local speakeasy supplies it exclusively for our group!*
Date
Every Friday
Time
9:30 to 11:00 a.m.
Price
$20 per adult, $10 per child
Starting Location
Oak Grove Cemetery
Gate at Bryant and Bartlett Sts.
Ending Location
Seagle’s Restaurant
105 Osborne St.
St. Marys, Georgia
*Wine not included in price of tour
NOVEMBER 2, 2023
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Solar Panels – Questions to Ask Before Contract
By Joel Maxson
If a seller’s home has solar panels, they should research how those panels could impact their transaction before going under contract.
ORLANDO, Fla. – If a seller has solar panels installed on their property’s roof, it’s worth investigating whether the way those solar panels are financed or leased could impact a future transaction. Many sellers aren’t aware of these issues, so if you ask the right questions, you can set them on the path to success.
Do you own the solar panels or are they leased?
If you own them, are they financed?
If they’re financed, do you plan to pay the debt off before going under contract (or before closing), or will you ask a buyer to assume the debt at closing? Note: Lenders may not allow a buyer to assume the debt, and there could be application and transfer fees.
If they’re leased, do you plan to end the lease early or attempt to assign the lease to a buyer? Note: Attempting to assign a lease could raise the same issues as attempting to assign a debt.
Here’s a closer look at these categories. This is a very broad-brush overview, so sellers should conduct their own research into the specific terms they agreed to and how their lender or lessor may help or hinder them in reaching their goal of selling the property.
Owned outright without financing
This is the simplest case. Solar panels will likely be a fixture that is part of the real property the buyer is purchasing unless the seller specifically excludes them in the contract.
Owned outright with financing
Although many sellers have heard that solar panel financing can be assumed by a future buyer, that doesn’t mean it will be allowed for a specific transaction. If it is allowed, then the seller will need to figure out what costs and steps are required to make that assignment and assumption happen, as well as what obstacles may get in the way of a successful handoff.
If a buyer is getting a loan, will the lender allow them to assume the solar panel debt? This is such a common issue that the drafters of the Property Assessed Clean Energy (PACE) Disclosure added this bolded warning:
“In the event Buyer is obtaining a mortgage loan to purchase the Property, be advised that MOST MORTGAGE LENDERS WILL REQUIRE THE SATISFACTION OR RELEASE OF THE PACE FINANCING FROM THE PROPERTY.”
If the buyer is willing and able to assume the debt at closing, then the parties should have an attorney prepare some language to add to the contract that spells out specifics. What tasks does each side need to complete? What deadlines do the parties want to implement? What if there’s a delay or denial? A well-drafted clause should answer these questions and more.
Leased
Like financed solar panels, the main question is whether the seller is going to terminate the lease or attempt to assign it to the buyer before closing. If they want to assign it at closing, they should have an attorney add a clause to the contract that answers the questions about tasks, deadlines, and what happens if there’s a delay or denial.
These leases often run for many years. And they may not offer an easy or affordable way to terminate early. That means sometimes a lessee may have to choose between paying the solar panels off or seeking a buyer who can take an assignment. That said, the terms of a lease can vary from one to another, so the seller should research their specific circumstances and come up with a sound plan before going under contract.
Joel Maxson is Associate General Counsel for Florida Realtors
Note: Information deemed accurate on date of publication
© 2023 Florida Realtors®
November 2023
REAL ESTATE NEWS
Brought to you by Cathy Holman
Licensed in Georgia and Florida
.
The Future of Short-Term Rentals
Over the past decade, short-term rentals have spiked in popularity among investors and travelers alike. It's believed that the industry will continue to grow in the coming years. Here are the latest trends and what the future is expected to bring.
New Regulations
To combat some of the challenges presented by unregulated short-term rentals, some cities have been introducing new regulations. New York, for example, recently passed a law that requires hosts to register with the city. Honolulu has outlawed rental stays under 90 days in residential areas. Other cities are curbing the number of rentals by capping the number of licenses they issue and/or imposing new taxes on vacation rental properties.
The goal of most of these regulations is to strike a balance between supporting tourism and supporting the local community of permanent residents. The industry will continue to shift and adjust as more cities set their own regulations in the coming years and we begin to see the effects of these changes.
Increased Demand for Upscale Rentals
While short-term rentals are popular across the board, luxury short-term rentals are experiencing the highest demand right now. Travelers are looking for a more personalized living situation with premium amenities to make their short stay extra comfortable. Premium location is another in-demand feature, as short-term renters value having convenient access to nearby attractions and entertainment.
Alternative Accommodations on the Rise
Travelers are on the lookout for unique accommodations that extend beyond the traditional hotels, motels, and single-family rentals. Short-term renters are showing increased interest in glamping tents, tiny homes, yurts, and other out-of-the-ordinary shelter options. We’re likely to see more of these unique rental options hit the market in the future.
Greater Focus on Sustainability
Travelers are becoming increasingly conscious of their impact on the environment, which is why more of them will look for sustainability in short-term rentals. Around 76% of travelers want sustainable accommodations. Some examples of sustainable home features include low-flow toilets or showerheads, energy-efficient appliances, and smart lighting.
Importance of Guest Experience
Online reviews are more important than ever for rental hosts who want to maintain steady bookings. A higher percentage of guests are relying on customer reviews when making their booking decisions, and sites like Airbnb use reviews in their search algorithms.
For hosts, this means that personalization and providing an exemplary experience are crucial to maintaining a successful short-term rental. Providing local recommendations, helpful tips, and personalized notes can go a long way in winning over guests and boosting ratings.
Additional Growth
Short-term rentals have a bright future. People are still very interested in traveling, and most signs out of the short-term rental industry indicate that growth should continue for the foreseeable future. If you're currently involved in the industry or want to start renting out your home, you can earn high returns if you have a unique property or are in a desirable location.
Market conditions are known to change quickly, however, which is why property owners should remain adaptable to keep their rental units successful in an ever-changing market.
A Guide to November Spending Days
November marks the time of the year when the retail industry is at its busiest. In the days following U.S. Thanksgiving, consumers spend billions of dollars on items often discounted by over 50%. In 2022 alone, online shoppers spent more than $9 billion on Black Friday. However, there are several additional shopping days at the end of November that you might want to factor into your holiday shopping budget.
Black Friday
Black Friday falls the day after U.S. Thanksgiving and is the unofficial start of the holiday shopping season. It's also the day when you'll find the best deals for everything from cars to television sets. Because of how quickly items can go, you should have a plan for finding and locking-in the lowest prices. Here are a few suggestions on how to navigate this shopping day:Check pricing before Black Friday
Make your list and set your budget as early as possible
Focus on online shopping to avoid crowds and disappointment
Consider using curbside pickup
Avoid impulse buys
Small Business Saturday
Small Business Saturday falls on the first Saturday following Thanksgiving. The purpose of this day is to support small businesses. You can find small business shopping opportunities online or in your local community. If you plan to go shopping in person, pick your destinations ahead of time. On the day itself, these businesses can get pretty crowded, which is why you should have a decent idea of what you want beforehand. If you'd like to support local businesses, make sure you don't overspend on Black Friday.
Cyber Monday
Cyber Monday is the first Monday after Thanksgiving. Unlike Black Friday, this day is focused entirely on online shopping. You'll find great deals at large online retailers like Amazon and Walmart, and even some smaller businesses participate nowadays. To make the most out of this day, gather information about upcoming sales. Most websites provide this information ahead of time to attract more shoppers. You can also use browser extensions and shopping apps to streamline the process. For example, some apps make it easy to compare prices across multiple online storefronts.
Giving Tuesday
The first Tuesday after Thanksgiving is widely known as Giving Tuesday. The purpose of this day is to give back to your community through charitable donations or activities. Even small gestures can make a big impact. For example, you can donate to a nonprofit organization or volunteer at a local food pantry. Some other ideas for giving back include:Giving blood
Handing out essential items at homeless shelters
Organizing a food or clothing drive
Starting a fundraiser on social media
Donating to animal shelters or fostering a pet
The end of November brings plenty of opportunities to spend money. Setting goals and planning ahead will help you navigate the November shopping days with minimal stress and maximum savings. Happy shopping, and don't forget to give back to your community!Nov 24, 2023 - Black Friday
Nov 25, 2023 - Small Business Saturday
Nov 27, 2023 - Cyber Monday
Nov 28, 2023 - Giving Tuesday
QUESTIONS? VISIT HolmanSellHomes.com
Cathy Holman
Berkshire Hathaway HomeServices Hodnett Cooper RE
717-801-5900
912-673-7373
cathy@holmansellhomes.com
HolmanSellHomes.com
If you have a brokerage relationship with another agency, this is not intended as a solicitation. All information deemed reliable but not guaranteed. ©2022 BHH Affiliates, LLC. An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate. Equal Housing Opportunity.