IS YOUR MATTRESS AS TIRED AS YOU ARE? IS IT TIME FOR A COMFORTABLE CHANGE?

  When it Comes to Getting a Good Night's Sleep, The Mattress is Often Your Worst Enemy!

Shopping for a new mattress is generally not on  the top of people's "To Do" list. It probably should be! Unfortunately, many of us who really want a great night sleep tend to toss and turn, ache in the morning, and aren't sure why! We're slow to take action! Excuses prevail: the cost, shopping, to many choices and a lack of knowledge cause us to procrastinate! Let's face it shopping for a mattress is a pain in the boring!

What's your Excuse? - I've come up with many! Huffington Post wrote, "You wouldn’t run a marathon or hike a mountain without the right gear. And yet, despite spending a third of our lives sleeping, many of us haven’t adequately prepared in the bedroom — when it comes to mattresses, that is."

The Huffington Post goes on to further note - "You might be tempted to blame your budget for continuing to doze on a less-than-ideal mattress, but considering just a little bit more shut-eye can help you lose weight, improve your memory and live longer, can you really put a price tag on good sleep?"

Ok! Its Time to Solve the Problem - What to look for in a mattress? According to the National Sleep Foundation, "A good mattress should allow you to turn easily, redistribute your weight, and reduce pressure points to give you a great night's sleep."

ExclusivePurchases decided to take a look at these problems and find at least one solution for your mattress shopping needs. Our Guidelines - We wanted to find an online, one-stop shop that offers the top brands, box springs, selections of sizes, mattress types to fit most peoples needs along with frames, furniture, and bedding - Preferably Made By One Company - with a long track record of serving customer needs!

Note - I was inspired to research mattresses because I have a bad back, stenosis, and sports related aches and pains. My bed was at least 10 years old!

Our Recommendation - Diamond Mattress! 

Onyx Ice  - $1,699 / Was $1,800

From Their Website - "Diamond offers the most comfortable mattresses available. We sell directly to you, cutting out middlemen and markups. You enjoy the best mattress at a much better price. Diamond is designed for every type of sleeper and arrives backed by our Forever Warranty plus a 120-day sleep trial, so you can make sure Diamond is right for you, at no risk. Diamond arrives straight to your door. If you'd like, you can select our optional White Glove Delivery Service option at checkout and we can setup your Diamond mattress in addition to removing your old mattress. Thousands of Diamond customers and over 20 mattress review sites think Diamond mattresses are the most comfortable mattress you can purchase - and if you don't agree, we'll take it back and refund your full purchase".

Generations Tradition Luxury Mattress - $3,299

Diamond's Mission - "Diamond Mattress is dedicated to pursuing people-first innovation to improve life and transform our relationship with sleep. More than just making mattresses, Diamond is defining a better way to live by perfecting the art of sleep wellness". More Selections!

Reminder - Use ExclusivePurchases to meet your Personal, Family, Business or Gifting Needs - Quality - Selections - Savings!

Philip W. Eide - phil@vestabp.com // 216.577.5579 // www.vestabp.com 

Charter a Yacht - Make Your Dreams Come True!

Even The Best of Lives Can Become Boring!
If You Travel To The Same Place for Vacations/Holidays/Seasons - You're Probably Comfortable -      But Not Having Experiences!

My Experience - Every year I went to Palm Beach - right on South Ocean Boulevard

overlooking the Atlantic! I was tanned, well fed and comfortable with a very familiar scene - great shopping, restaurants and nightlife. In retrospect - I was comfortable but also BORED! I was not having memorable experiences!!

What Helped Me Break-Out My Comfort Zone?

A friend invited me and my wife to use his 90 foot yacht - with a captain and his wife who is a gourmet chef - to travel the great lakes, through the locks and into the Hudson to West Point, the Hamptons and New York City. The two week trip was an experience! 

While dining with the captain and his wife -

her cooking was diverse and extraordinary - I also came to understand how expensive it is for my friend to maintain the craft - whether on the waters or in dock. I also realized that for my next yachting experiences, I'd want to experience other waterways and places: the Caribbean Islands; the Mediterranean; Hawaiian Islands; Greek Islands; Alaska and many more. It would be impractical to move a boat I owned place-to-place. While I still enjoyed going to Palm Beach, I also wanted more yachting experiences around the world! I Found a Solution!

Why Not Charter A Cruise Ship? -- It's All About Quality, Comfort and Privacy - If you can afford the added cost! Take a Look!

The luxury cruise ship industry is undergoing through a massive boom - Covid has slowed things down. 

Generally, you can expect to spend at least $6,000+ per person on all-inclusive cruise vacations. This equates to $12,000 per cabin. 

Research tells us that many travelers are spending more than that amount again— in fact 34% of luxury cruise ship passengers are spending more than $7,000 per person! 

Those numbers are a very good start towards your yacht charter vacation! 

The Solution - Renting/Leasing Yachts Near Ports of Choice!  

There are many yacht-chartering options around the world! They range from individual owners who will serve as captain and supply a crew as needed.                       

There are also small boutique to larger companies that have fleets of yachts available to meet your specifications. Many of these companies make luxury yachting easy, accessible, thoroughly enjoyable and cost-effective for travelers in search of unique experiences!

As OceanScape  -  one of these companies noted, "The first time you charter a luxury yacht, you just can’t stop grinning- the whole charter is like a series of immense, unforgettable moments, hitting you one after the other." That's how I felt!"

"A yachting holiday is above all a journey, an escape from the world and into a carefree paradise where you want for nothing and everything is beautiful. It’s the sense of privacy, of freedom, of something your family and friends share in that moment: your own luxurious floating island". 

What You Should Expect In The Inclusive Yachting Package -- Without The Crowds On A Luxury Cruise Ship!

According to Islands - a travel publication - "A private Crewed yacht charter offers a number of benefits that you simply won’t receive on a commercial cruise line or during a deluxe resort stay, ultimately delivering a one-of-a-kind vacation that is all-inclusive and all about you."

Islands goes on to list out the amenities to expect as you "Leave Your Worries on the Dock":

     > Assistance in planning and advice for the itinerary

     > Your pre-selected Captain, Chef & Crew will contact you to discuss voyage,  your meals and activity preferences

     > They'll prepare and provision your yacht to ensure optimal comfort for every member of your group - including children. 

      > Your crew will onboard everything from the food & beverage selection to the fully-stocked bar

     > You'll have water toys, snorkeling gear, stand-up paddleboards, kayaks, fishing equipment, etc.) 

     > All towels and linens, incl. beach towels

     > Housekeeping services

     > Staterooms with en suite lavatory and shower & More

     > Flat screen TVs with DVD

     > Stereo and CD Player with Cockpit Speakers

     > Air Conditioning & More!

What Is Not Included?

According to the InternationalYachtCharterGroup - "The simple answer is "not much”, it is likely that guests will incur no other charges beyond the all inclusive rate they paid and a crew gratuity. The prices are typically based on the number of guests on board, that's simply because the more guests, the more is consumed. However, specific yachts can have a few items that could incur extra charges, and our charter specialist will note them for you beforehand so there will be no surprises."

The Bottom Line - How Do You Estimate the Cost Of  Yachting?

Having scoured the markets, the majority of luxury all-inclusive crewed yacht charters start at around $25,000 per week and up

to $8o,000 per week, plus tipping the                     Captain, Chef & Crew. Other categories of higher-end yacht charters start around $25,000 plus all expenses on power catamarans and around $80,000 plus all expenses on  traditional motor yachts.

The costs will vary based on: 

     >Yacht Size                         

     > Location of Origin & the Trip Itinerary

     > Number of People in Your Party

     > Added Crew Required

     > Additional Amenities Desired

In my opinion, it's worth it!  

  Start Planning Your Experience!

Did you ever dream of sailing on a pristine yacht, but had no idea how to get started? You'll find out it actually            

Easier Than You Imagine!

                              Find Out More                                                           

              

A private sailing yacht or powerboat charter is the most convenient, authentic, and relaxing way to experience your Dream Destination.      

Here's How To Protect Your Greatest Assets & Lifestyle! Does Your Mortgage Insurance Protect You or Your Lender?

  We'll Be Discussing Residential & Commercial Real Estate as an Important Asset for Individuals and Families 

In the process we'll also be identifying and reviewing viable opportunities, plans and services to help you meet your goals.  

Whatever the choices you make, your holdings should be reviewed regularly to assure they still viable and meeting your current and future needs.                                             

Let's take a look at one of the Real Estate Related Risks inherent to Buying and Holding Residential and Commercial Properties. 

What You Should Know?                                     

1) Most Private Mortgage Insurance(PMI) Policies Protect the Lender 

2) The Lender Selects & Negotiates with the Broker/Insurer 

3) Who Pays for PMI Coverage?          

4) What Happens If you cannot Make Mortgage Payments - For Whatever Reason?  

5) What Can You Do To Protect Yourself and Your Property(s)? 

            (Note - See Below For More Details & Suggestions) 

The Above Expanded - 

1) Most Mortgage Insurance Policies Protect The Lender  - According to the Consumer Financial Protection Bureau, "Mortgage insurance protects the lender, not you... Mortgage insurance, no matter what kind, protects the lender – not you – in the event that you fall behind on your payments. If you fall behind, your credit score may suffer and you can lose your home through foreclosure."

2) The Lender Selects & Negotiates with the Broker/Insurer - ICI Florida Lifestyles & Ameris Bank tells us - "Unfortunately, as the borrower, you cannot shop around for your mortgage insurance. Only the lender can. However, you can request a specific PMI provider if you qualify for their product and they are offered by your lender."

3) Who Pays for  PMI Coverage? - You Pay - LendingTree explains, "Though most people pay PMI as part of their monthly payment, paying it upfront may be a better option if you have the extra cash and want the lowest possible housing expense."

4) What Happens If I cannot Make My Mortgage Payments - For Whatever Reason? If You Can't Pay Your Mortgage, You're Out - The  Property goes into foreclosure and the Lender collects on PMI. ! I've witnessed this happen bout MPI - to clients - Could it happen to you?

5) What Can You Do To Protect Yourself and Your Property(s)? 

Mortgage Protection Insurance (MPI) will Protect You, Your Family and Help Secure Your Property!

About MPI - According to Rocket Mortgage, "MPI is a type of insurance policy that helps your family make your monthly mortgage payments if you – the policyholder and mortgage borrower – die before your mortgage is fully paid off. Some MPI policies will also offer coverage for a limited time if you lose your job or become disabled after an accident. Some companies call it mortgage life insurance because most policies only pay out when the policyholder dies."

Note - IMPORTANT - Mortgage Protection Insurance (MPI) protects you - not the Lender!. The two terms "Private Mortgage Insurance (PMI)" and "Mortgage Protection Insurance(MPI)" are often used interchangeably, but They are not the same thing.

According to Equis, "Both Private Mortgage Insurance (PMI) and Mortgage Protection are insurance, but they do different things. PMI is a requirement for certain loans because it protects the lender if your home is lost to foreclosure.

Essentially, with PMI you’re buying insurance for your lender...!

How Does MPI Work? Equis continues, "A mortgage protection policy is usually a “guaranteed issue” policy, meaning that many of the roadblocks to purchasing a life insurance policy, such as health considerations and exams, wouldn’t be there.

If you lose your job or become disabled, your policy will pay your mortgage for a limited amount of time, giving you the opportunity to find work or to make a backup plan. Again, your house is saved, your family still has a roof over their heads, and you’re a hero for thinking ahead. Accidents happen and people lose their jobs every day. Mortgage protection is there to catch you if you fall." 

"One More Thing… 

A Mortgage Protection Policy(PMI) is a term policy, so you don’t need to keep paying premiums after your house is paid off."  

Misconception 1 - PMI is only for protecting Home (Personal Residential) Ownership! In Reality - PMI can we an excellent commercial and strategy for protecting individuals & their family's ownership of commercial and industrial property(s). 

Having been an investment property broker, I have been a party to numerous situations where the property owner's - or his family's - ability to pay an existing mortgage was interrupted by disability or death. 

Misconception 2 - Mortgage Protection Insurance (As described above) is different than Life Insurance!

In Reality - Mortgage protection can cover more situations than a life policy and should be purchased with a goal of protecting your and family members possession of real estate. Here are some differences:

     > Life insurance won’t help if you lose your job and it won’t help if you become disabled. 

     > Mortgage protection bundles all these protections into one policy – so you don’t need multiple policies to cover all the problems that could make it difficult to pay your mortgage each month. 

     > A life insurance policy would be a different part of your overall financial plan and often has its own separate goals.

Suggestion 1 - To keep the MPI affordable and to potentially better address you needs, you do not need to cover the total amount of the mortgage debt with the policy. You, and your family, should consider how long family members would desire to continue living in the home/condo - or hold the commercial/investment. A policy could then be selected to assure the capacity to retain the property should a death or disability occur!

Suggestion 2 - Earmark the Reason You Purchased Various Types of Insurance! While recently discussing risk management with a friend, he mentioned to me that he specifically marked the covers on policies and files to reflect why he purchased the policy and the intended utilization of the funds. Policies and their utilization included: Final Expense/Burial Insurance; Life Insurance for estate purposes (to pay down commercial loans); Annuities for Income; Home Owners Insurance; Liability Insurance; etc.

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Want More Information On Protecting These Your Real Estate Assets? Fill out the form to the right - or text us at 216.577.5579. Please provide your contact information including your mobile number and the state where you are located! We'll get back to you to discuss you specifics -- No Cost & No Obligation!

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Conclusion - Whether you are a long time home owner, recent home buyer, or own commercial/investment property, a mortgage protection is a simplified, quick issue insurance that is used to protect your greatest assets. Mortgage protection plans are designed to provide a death benefit to pay off all, or a portion of, your mortgage. Optional riders are available in most states, such as disability income and return of premium, which refunds all, or part of, the premium paid if the policy is unused. This product, offered by many carriers, can be customized to fit you needs and budget.

ExclusivePurchases -- Cell -216.577.5579 -- email - phil@vestabp.com