Hawaiian Cruise Day 4

Today we are in Hilo. We have a 6.5 hour tour. We are on a tour bus and will visit the best of the island. This is on the coast of the big island. It is the largest city on the island. Today was so full, I was ready to go to bed at 8:30pm! We had a tour of the island from 9am until after 3:30pm. I had over 8,609 steps for today. But, we stopped at 3 waterfalls, a macadamian nut factory, a chocolate store, a park and a zoo. All in one day. We learned about the history, folklore and people of the islands. We even learned a few Hawaiian words along the way. Albert was an awesome bus driver/tour guide. The tour was called Best of Hilo. And we went all over the island. And when we got back, we had time to sit for a few minutes on the balcony before changing for dinner at Cagney's Steakhouse, a specialty dining option that was a part of our cruise package. Tomorrow is Kona. We don't have an excursion for that island (it is actually on the other side of the island we were on today). We will probably sleep a little later and then go exploring the area. 

Hawaiian Cruise Day 3

Today was our last day in Maui. We set sail after 6pm today. Tomorrow we are at Hilo. We have an excursion so there will be lots of photos! Today we stayed on the ship, ate good, ran into some of the 40 people in our group, and had some good laughs. We had specially dining at la Cuchina, an Italian restaurant.  The food was good and we had Moscato (wine) with our meal. Vaughn had the salmon and I had the beef lasagna. Both were good. We had calamari as our appetizer and Gelato for dessert. After dinner we went to the shore excursion desk and picked out what we were going to do at the rest of the islands as well as a post-cruise excursion. The excursions are (to me) expensive, so make sure you budget accordingly. I would advise getting your excursions before getting on the ship, thru the app. Excursions range from $99 to $399 per person. Make sure you have some cash for spending at the ports too. Try to bring what you think you need with you (like over-the-counter medicines) because everything here costs more than back home. 

Hawaiian Cruise Day 2

This morning, we arrived in Maui. We will overnight here and leave late tomorrow (Monday). I will say that there were lessons learned today as well. Please make sure you get an excursion to see the sites because there is nothing when you get off the ship. Only taxis waiting to take you somewhere. Since we did not book excursions, we chose to walk the quarter mile to the "mall". We were able to get there safely by way of a green fence corridor. Once there, it was not a lot to see or do. There were a few stores open (drug store, supermarket, eateries, UPS, etc.) I was able to get an awesome shot of the mountains though. I was also able to get in over 8k steps. For future travelers, book an excursion unless you love, love, love to walk. 

Hawaii Cruise Day 1

The first day was long! Out cruise was from Nov 29-Dec 6, 2025. We started with a 6am flight from Charlotte, NC to Washington, DC. We left DC at 9am and got to Hawaii 11 hours later. I was worried because I do not like to fly. Not only do I not like it, I had never been in the air for that long non-stop. When we arrived in Honolulu, it was 3pm. We lost 5 hours along the way. So back home, and according to my body, it was 8pm! So, when I saymy body was confused, I mean it was ready to lie down but the daytime was throwing me off. So when I went to sleep, I slept long and hard. So, I suggest, if you are doing a cruise to Hawaii, go a few days early and let your body get used to the time difference. Check in was easy, and we had checked in before we left home. There was no long line for us to stand in and the walk to the ship after checking in was just one ramp up to the ship! Getting on the ship was easy. If you book your flight with NCL, the transfers are included. They had a 2 for 1 sale on airfare, so we opted to do that instead of getting our own air. A great feature with booking air with the cruise like is that if you are delayed, they will make sure you get on the cruise ship. Because of the recent problems with the airlines/airports, we wanted that extra assurance. The Pride of America was the name of the ship. It is the only one that cruises the Hawaiian islands. And it is one of the cruise lines smaller ships with only 2180 guests at capacity. The ship was built in 2005 but had been refurbished earlier this year, according to their website. So, lessons learned were to come a few days early so your body can adjust if you are coming from the east coast. If not, you will do a lot of sleeping that first day aboard. Ship sails at 7pm. 

Should You Buy New Construction or Resale? A First-Time Homebuyer’s Guide for North Carolina

 As a first-time buyer, you may be wondering whether it’s better to purchase a brand-new home or a resale property. This guide breaks down the pros and cons of each option in North Carolina.

1. Advantages of New Construction Homes: No repairs or renovations required, modern features, and energy efficiency.
2. Benefits of Resale Homes: Established neighborhoods, often more affordable, and potential for negotiation.
3. Local Trends in NC: Which is more common or preferable in different areas like Raleigh, Greensboro, or Wilmington.

Choosing between a new construction or resale home depends on your budget, needs, and lifestyle. Both options have their perks, so consider what works best for you in North Carolina’s diverse housing market. At BMac Realty powered by United Real Estate Queen City, we are here to assist you in your homebuying needs. Give us a call to set up a Buyer Consultation today. Call 704-761-4385 x2.

Why Now Is a Great Time to Buy Your First Home in North Carolina

 With low mortgage rates and competitive housing options, it’s a great time for first-time homebuyers to purchase a home in North Carolina. Here’s why now might be the perfect moment to make your move.

1. Current Market Trends in NC: Analyzing the current housing market in major cities like Charlotte, Raleigh, and Durham.
2. Interest Rates and Affordability: Why low mortgage rates benefit first-time buyers in North Carolina.
3. Government Incentives for First-Time Buyers: Review of any current programs that can help first-time buyers make the leap.

Now could be the best time for first-time homebuyers to get into the North Carolina market, so take advantage of favorable conditions while they last! Let's talk! At BMac Realty powered by United Real Estate Queen City, we are here to assist you in your homebuying needs. Give us a call to set up a Buyer Consultation today. Call 704-761-4385 x2.

How Property Taxes Work in North Carolina for First-Time Homebuyers

 Property taxes are an important factor to consider when buying a home. This post explains how property taxes are calculated in North Carolina and how first-time buyers can plan for them.

1. How NC Property Taxes are Determined: The role of local governments and tax rates in different counties.
2. Exemptions and Deductions: Any property tax exemptions that may apply to first-time buyers in NC.
3. Budgeting for Property Taxes: How to factor property taxes into your home-buying budget.

By understanding property taxes in North Carolina, first-time homebuyers can avoid surprises and better plan their homeownership expenses. At BMac Realty powered by United Real Estate Queen City, we are here to assist you in your homebuying needs. Give us a call to set up a Buyer Consultation today. Call 704-761-4385 x2.

First-Time Homebuyers: Navigating the NC Closing Process

 Closing on a home is one of the most important steps in the buying process. In this blog, we’ll break down what to expect during the North Carolina closing process and how to prepare.

1. Understanding NC's Closing Costs: From attorney fees to title insurance, what buyers need to know about closing costs.
2. The Role of an Attorney in North Carolina: Why hiring a closing attorney is required in the state.
3. Final Walk-Through: Why it’s important to inspect the home one last time before finalizing the sale.

The closing process in North Carolina is different from many states, but with the right preparation, it can be a seamless experience. We can walk with you during the entire process to help you understand each step. At BMac Realty powered by United Real Estate Queen City, we are here to assist you in your homebuying needs. Give us a call to set up a Buyer Consultation today. Call 704-761-4385 x2.

What to Know About Home Inspections in North Carolina

 Home inspections are an essential part of the home-buying process. This blog post walks first-time homebuyers through the importance of inspections in North Carolina and how to choose the right inspector.

Key Points:

1. Understanding What’s Covered: What an inspection typically looks at, including the foundation, plumbing, and electrical systems.
2. State Regulations on Inspections: How North Carolina handles home inspections and any unique regulations in the state.
3. Interpreting the Inspection Report: What to do if issues are found during the inspection and how to negotiate repairs.

A thorough home inspection can save you from costly repairs down the line, ensuring your new home is safe and secure. At BMac Realty powered by United Real Estate Queen City, we are here to assist you in your homebuying needs. Give us a call to set up a Buyer Consultation today. Call 704-761-4385 x2.

Navigating the Home Inspection Process in South Carolina: A Guide for First-Time Buyers

 Home inspections are crucial to ensuring that you’re making a sound investment. In South Carolina, inspections are not required by law, but they’re highly recommended for first-time homebuyers. This blog provides tips on how to navigate the inspection process to protect your investment.

1. Why Home Inspections Are Important: How an inspection can reveal hidden issues like foundation problems, water damage, or outdated electrical systems.
2. Choosing the Right Inspector in SC: Tips for finding qualified home inspectors in South Carolina, including recommendations for certified professionals who understand local building codes and common issues in the area.
3. Interpreting the Inspection Report: What to look for in an inspection report and how to use the findings to negotiate repairs or a price reduction.

A home inspection is your best defense against unexpected repair costs. Ensure that you work with a trusted professional to get a clear picture of the home’s condition.

Call BMac Realty (powered by United Real Estate Queen City) today at 704-761-4385 x2 for your free consultation today!

How to Avoid Common Mistakes as a First-Time Homebuyer in NC

 As a first-time homebuyer in North Carolina, it’s easy to get caught up in the excitement of finding your dream home. However, some common mistakes could cost you time, money, or even a failed deal.

1. Skipping the Home Inspection: Why this is critical and what it can uncover.
2. Overlooking Hidden Costs: Don’t forget about property taxes, HOA fees, and home maintenance.
3. Not Working With a Local Real Estate Agent: How an agent can help you navigate local market conditions and negotiations.

Avoiding these mistakes will help you stay on track and make the best decision for your future home. Let me help you every step of the way! Call my office at 704-761-4385 x2 to schedule your home buyer consultation today!

Top 5 Ways Identity Shield Prevents Financial Loss from Identity Theft

Identity theft can have serious financial consequences, from drained bank accounts to ruined credit scores. But with Identity Shield, you can avoid these disasters before they start. Here are five ways Identity Shield prevents financial loss from identity theft.

Benefits:

1. Comprehensive Credit Monitoring: Identity Shield keeps track of your credit score, alerting you to any changes that could signal fraudulent activity.
2. Dark Web Surveillance: Your personal information is constantly scanned on the dark web, where stolen data is often sold, so you can take action before it’s too late.
3. Fraud Alerts and Early Detection: If any suspicious activity is detected, you’re notified right away, allowing you to freeze accounts and take preventive measures.
4. Restoration Assistance: If your identity is compromised, Identity Shield will guide you through the process of restoring your identity, helping you avoid the financial pitfalls of theft.
5. Peace of Mind for Your Family: Protecting not only yourself but also your spouse and children from identity theft ensures that your entire household remains secure.

Identity Shield offers more than just a safety net—it gives you proactive protection against the financial fallout of identity theft. Don’t wait until it’s too late—get covered today.

Go to www.BMac1.com and get what you need today!!

What First-Time Homebuyers Need to Know About Property Taxes in South Carolina

 Property taxes can significantly impact your monthly payments, so it’s important to understand how they work in South Carolina before purchasing your first home. This blog breaks down the essentials of property taxes and how they’re calculated.

1. How SC Property Taxes are Calculated: A look at the tax rates in South Carolina, how local government assessments affect your tax bill, and the difference between primary residences and investment properties.
2. Exemptions for First-Time Buyers: Available tax exemptions or reductions for primary residences, such as the Homestead Exemption for seniors and disabled homeowners.
3. Budgeting for Property Taxes: How to estimate your annual property taxes and incorporate them into your home-buying budget.

Being aware of property taxes before buying a home in South Carolina will help you plan for the future and avoid any surprises down the line.

Call BMac Realty (powered by United Real Estate Queen City) to get your free consultation at 704-761-4385 x2 today.

How to Secure Financing for Your First Home in North Carolina

 Understanding the financing options available to you is crucial when purchasing your first home. Learn about mortgage types, state-specific programs, and tips on securing the best rates in North Carolina.

Key Points:

1. Conventional vs. FHA Loans: Pros and cons of these common mortgage options.
2. Down Payment Assistance Programs: Highlight state programs like NC Home Advantage and local grants for first-time buyers.
3. Current Mortgage Rates in North Carolina: What first-time buyers can expect regarding interest rates in 2025.

There are many ways to finance your home purchase in North Carolina. With the right preparation and knowledge, securing your first mortgage can be stress-free. Let me assist you thru the process! At BMac Realty powered by United Real Estate Queen City, we are here to assist you in your homebuying needs. Give us a call to set up a Buyer Consultation today. Call 704-761-4385 x2.

How Legal Shield Can Help You With Everyday Legal Issues

 Introduction:

You don’t need to be facing a major lawsuit to benefit from legal support. Everyday legal issues—like reviewing a contract or handling a landlord dispute—are more common than you think. That's where Legal Shield can help.

Benefits:

1. Simple Document Reviews: Legal Shield allows you to have your important documents reviewed by an attorney, saving you time and potential legal trouble down the road.
2. Debt Collection Assistance: If you're dealing with a creditor or need help managing debt collection issues, Legal Shield’s services can help you navigate these challenges.
3. Unmatched Convenience: From traffic tickets to family law issues, Legal Shield provides guidance and support to resolve legal matters quickly and efficiently.
4. Access to Experienced Lawyers: You get access to a wide range of legal expertise—from real estate to consumer protection law—ensuring you get the right support for whatever comes your way.

Conclusion:
Legal issues don’t always need to be a big, scary ordeal. With Legal Shield, you can handle them proactively and efficiently, ensuring that your day-to-day life stays stress-free.

Go to www.BMac1.com and get the information to make a choice on what you need.

How to Finance Your First Home in South Carolina: Loan Options and Programs

 Financing your first home can feel complicated, but there are a variety of loan programs and resources that make it easier for first-time homebuyers in South Carolina to secure a mortgage. Here’s a breakdown of the best loan options and financing programs available to you.

1. FHA Loans: Lower down payment requirements, ideal for buyers with less-than-perfect credit.
2. USDA Loans: A great option for first-time buyers looking to purchase property in rural areas of South Carolina, with no down payment required.
3. VA Loans: If you’re a veteran or active-duty service member, you may be eligible for this government-backed loan with no down payment and low interest rates.
4. SC Housing Programs: Learn about local down payment assistance and affordable mortgage options specific to South Carolina.

There are several financing programs available to first-time homebuyers in South Carolina that can help make your dream of homeownership more affordable. Explore your options to find the best fit for your situation.

Call us at BMac Realty (powered by United Real Estate Queen City) at 704-761-4385 x2 for your free consultation today.

The Essential Steps in the North Carolina Homebuying Process

Buying a home for the first time can be complicated. This post walks first-time buyers through each step of the homebuying process in North Carolina, from pre-approval to closing.

1. Getting Pre-Approved for a Mortgage: How to approach lenders and what documents you'll need.
2. Making an Offer and Negotiating: Tips on submitting an offer and negotiating the best price in a competitive market.
3. Closing Process and What to Expect: Understanding NC’s closing process, including title searches and state-specific fees.

By following these steps, first-time buyers can confidently move forward, knowing what to expect during each stage of the process. 

At BMac Realty powered by United Real Estate Queen City, we are here to assist you in your homebuying needs. Give us a call to set up a Buyer Consultation today. Call 704-761-4385 x2.

Legal Shield and Identity Shield: Double Protection for You and Your Family

 Imagine having a security blanket that covers both your legal and identity protection needs. With both Legal Shield and Identity Shield memberships, you’re ensuring that both your rights and your personal information are safeguarded.

Benefits:

1. Legal Support When You Need It Most: Legal Shield offers access to attorneys for everything from contract disputes to legal consultations, while Identity Shield defends your personal information from theft.
2. Cost-Effective Protection: Combining both services gives you a comprehensive safety net without the high costs of separate legal and identity protection services.
3. Emergency Coverage: Whether you're dealing with an urgent legal issue or suspect identity theft, you'll have access to professional support 24/7.
4. Convenience in One Package: You won’t have to worry about juggling different services. Both memberships are easy to manage and integrate seamlessly into your daily life.

With both Legal Shield and Identity Shield, you're fully covered. Double up on protection, so you can enjoy life with peace of mind, knowing your legal and personal information are in expert hands.

Get your Legal Shield and Identity Shield today. Go to www.BMac1.com and get started today.

Top 5 South Carolina Cities for First-Time Homebuyers

 Choosing the right city or neighborhood is one of the most important decisions you’ll make as a first-time homebuyer. Whether you’re drawn to coastal living or prefer the mountains, South Carolina has something for everyone. In this post, we highlight the best cities for first-time homebuyers in the state.

1. Charleston: Historic charm with modern amenities—perfect for those who want a vibrant coastal lifestyle.
2. Greenville: An up-and-coming city with a booming economy and affordable homes, ideal for young professionals.
3. Columbia: A college town with a low cost of living and plenty of affordable housing options.
4. Spartanburg: A more affordable city with growing job opportunities, great for families.
5. Hilton Head Island: While more expensive, it offers the opportunity for those wanting to live near the beach.

Choosing the right city in South Carolina depends on your lifestyle, job location, and budget. Each city offers something unique for first-time buyers.

Let BMac Realty (powered by United Real Estate Queen City) help you each step of the way! Call our office at 704-761-4385 x2 to schedule your free consultation today!

Top 5 Neighborhoods for First-Time Homebuyers in North Carolina

 Choosing the right neighborhood is just as important as choosing the right home. For first-time buyers in North Carolina, there are a lot of fantastic areas to consider based on lifestyle, budget, and proximity to work.

1. Raleigh's Family-Friendly Areas: Discuss the best neighborhoods like North Raleigh and Cary.
2. Charlotte's Up-and-Coming Spots: Explore neighborhoods like NoDa and Plaza Midwood.
3. Affordable Suburbs in Asheville: A guide to Asheville suburbs that offer great value for first-time buyers.

North Carolina is filled with wonderful neighborhoods for new homebuyers. From the heart of the city to the quiet suburbs, there’s something for everyone.

It is time for you to start on your home-buying journey. Call BMac Realty (powered by United Real Estate Queen City) so we can help you find the home you need in the area you desire. Call our office at 704-761-4385 x2.

How Identity Shield Can Keep Your Personal Information Safe

In today’s digital age, identity theft is a constant concern. Whether it’s a hacker stealing your credit card info or a data breach affecting your bank account, you need a way to protect your personal information. That's where an Identity Shield membership comes in.

1. 24/7 Identity Monitoring: Identity Shield keeps a constant eye on your personal information across various platforms to detect any suspicious activity.
2. Immediate Alerts: If a problem arises—such as your social security number being used—Identity Shield will notify you immediately so you can take action.
3. Lost Wallet Protection: Should you lose your wallet or important documents, Identity Shield assists in recovering or freezing your information to prevent further damage.
4. Identity Restoration: If your identity is stolen, Identity Shield will help you restore it, minimizing the hassle and stress of dealing with fraud.

Protecting your identity doesn’t have to be complicated. With Identity Shield, you gain peace of mind knowing that experts are keeping your information safe around the clock.

Go to www.BMac1.com to get more information.

Your Ultimate Guide to Buying Your First Home in South Carolina

 If you’re a first-time homebuyer in South Carolina, you may feel a bit overwhelmed by the process. With the right preparation and knowledge, though, you can navigate the journey with ease. This guide will walk you through everything you need to know before you start looking for your first home in the Palmetto State.

1. Understanding the Local Market: South Carolina’s real estate market has regional differences—from Charleston’s coastal properties to Greenville’s growing suburban neighborhoods.
2. First-Time Homebuyer Programs in SC: Information on state-run programs like SC Housing, which offer down payment assistance and special loan options for first-time buyers.
3. Steps to Buying Your Home: A detailed walkthrough of the process from pre-approval to closing in South Carolina.

Starting the home-buying process with a solid understanding of local resources and steps ensures a smoother journey to homeownership in South Carolina.

Let BMac Realty (powered by United Real Estate Queen City) assist you in your homebuying process! Call our office at 704-761-4385 x2 to schedule your consultation today.

A Beginner's Guide to Buying Your First Home in North Carolina

As a first-time homebuyer, the process of buying a home can feel overwhelming. However, with the right knowledge and guidance, you can make the experience smooth and rewarding. Here's an overview of the home buying process specifically for those looking to purchase in North Carolina.

1. Understanding the NC Market: North Carolina’s real estate market can vary by region. Explore differences between urban and rural areas.
2. What to Expect in Terms of Price: A breakdown of average home prices in cities like Raleigh, Charlotte, and Asheville.
3. The Role of a Local Real Estate Agent: How an experienced NC agent can help you navigate specific state regulations.

Buyers in North Carolina need to understand the local market and process to successfully navigate the home-buying journey. Start with the basics, and you’ll be on your way to your new home.

At BMac Realty powered by United Real Estate Queen City, we are here to assist you in your homebuying needs. Give us a call to set up a Buyer Consultation today. Call 704-761-4385 x2.

Why Legal Shield Membership is a Game-Changer for Your Legal Needs

When it comes to managing your legal matters, having a professional on your side can make all the difference. A Legal Shield membership provides you with ongoing access to legal services, making it easier to navigate life’s challenges without breaking the bank.

1. Affordable Legal Services: Instead of paying expensive hourly fees, a Legal Shield membership provides you with unlimited consultations for a low monthly fee.
2. Protection for Your Family: Legal Shield offers access to family coverage, which includes assistance with wills, estate planning, and more.
3. Business Assistance: Small business owners can also benefit from Legal Shield, getting access to legal services for contracts, employment law, and business disputes.
4. Ease of Access: Need help with a contract or legal document? Legal Shield allows you to connect with a lawyer easily, saving you time and stress.

With a Legal Shield membership, you're never alone when legal issues arise. Get affordable access to professional attorneys and stay protected!

Visit my website and check out the options for your membership today! www.BMac1.com