The Malone Bay community features 18 lots at W. Kerr Scott Dam & Reservoir. Fourteen (14) are Lakefront and meet private dock requirements. All lots have access to public water, saving owners from $5,000 to $10,000 on drilling a well. These lots have public water and will save you the cost of drilling a well. The entire development also features underground utilities.

This is a gated community with lots ranging from 2.3+- acres to 6.8+- acres on the Hwy 421 side of the lake just off South Minton Road, Wilkesboro, NC 28697

W. Kerr Scott Lake is 1500 acres with 50 miles of shoreline and is controlled by the US Army Corps of Engineers. It is clean water with good fishing and is excellent for boating, kayaking, skiing, and swimming. The property is surrounded by National Parks. Wilkesboro is a beautiful community and town with friendly people. It is located just 40 miles east of Boone and Blowing Rock, NC and one and a half hours northwest of Charlotte.

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Submitted by Debbie Wells of http://www.renotraveler.biz

Baby Boomers are all too often discouraged that their career skills are outdated for today’s job opportunity market. While this may be true in some business sectors, other businesses are thriving because of the “life” skills baby boomers bring to their jobs.

Robert Kay retired from his career of 43 years as an account executive for a large retail corporation when he was forced to “retire or be let go.” His wife Georgia was in advertising before becoming a full time mom raising their 5 children, now all grown. The Kay’s knew they were not ready to fully retire yet as the economy grew worse and job prospects were shrinking. “We were torn. The idea of just throwing in the towel and retiring now was really appealing, but at the same time we felt we still had plenty to contribute.” When a friend introduced them to a home based business marketing Travel, they were intrigued. “Here was a perfect opportunity to work from home, set our own schedule, travel whenever we wanted and have income coming to us for as long as we wanted.”

Many Baby Boomer’s are seeing home based businesses, in particular direct sales and network marketing, as a viable and profitable alternatives to re-entering the traditional work force. Many are surprised to find that they already posses the skills necessary to be successful in their new business. “What we didn’t know, we learned through the company’s training and mentoring programs as well as just talking with others already in the business- not just locally but all over the world,” says Robert.

There are many reason baby boomers do very well in direct sales/network marketing. Here are just a few of the reasons.

Time – Boomers in retirement or facing retirement realize that time is on their side. They also know how to manage time well. After 20 years balancing work and family life, they have learned to use time wisely and invest it in all the right places.

Social Networking – Boomers use their time more in interactions with friends and family, joining clubs and activity groups, volunteering and networking in person and online. Networking is at the heart of any business and boomers do it naturally.

Demographics – Boomers represent the largest and wealthiest sector in the US. Skeptical of the lack of experience of “younger generations,” boomers are more likely to purchase products from the other boomers.

Product – Boomers have a plethora of products and services to market that target the needs and wants of boomers. From heath care, beauty, retirement planning, travel and leisure, insurance and education- any boomer can find a product or service that peaks their interest.

Profit – Boomers (especially full time moms) already know that “many hands make light work.” The success of a Network Marketing business is largely dependent on building a team of fellow net-workers. The “many hands” doesn’t just make “light work” it also means shared profits. Georgia commented, “It’s great to be in a business where I am not only promoting a product I enjoy but I am helping other people become successful, achieving their dreams, and getting paid for it. No other company I or my husband worked for allowed us to help people on a personal level like this.”

The Kay’s good friend, Marcia Billingham, was not looking for a business opportunity when a neighbor who had suffered from debilitating arthritis gave her a sample of a new supplement. The herbal supplement was providing the pain relief traditional medicine had failed to do. Marcia experience similar relief from her arthritis and so became a spokesperson for the product. “I still don’t consider myself in business. I just share my story with everyone I meet and it just sells itself.”

Utilizing the life skills boomers already have, a home based business is an ideal alternative career choice for many. Talking the time to become familiar with the product, the marketing plan, compensation plan and the stability of the parent company will help boomers find the right business for them.

Debbie Wells

www.renotraveler.biz
Save money, make money, travel!

WEST JEFFERSON NC MOUNTAIN PROPERTY

87.5 +/- Acres Available For Residential Subdivision Mountain Development, 7 miles from West Jefferson, NC

Paved Road and Bridge Built To State Specifications.

Average of $23,000 per acre.

This Property Should Retail For Approximately $50,000 to $60,000 per acre.

ALL PROPERTY HAS LONG RANGE MOUNTAIN VIEWS

Contact Greg Stikeleather, Broker, 704.880.5247

or

email Greg at grstike@charter.net

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What goes into operating and owning your own small business? For some, going to college and entering into some sort of business school is an ambition they have. They graduate, go to work for some business or company to get their foot in the door, and soon, they decide to branch out on their own. With this, they often choose to open their own business. And many of them soon become rather successful.

There are other forms of business owners. Some folks work all of their lives with a dream of owning their own business. Upon retirement, these folks will strike out and open their own small business. While these two types of people have different starting points, they wind up in similar places. With that, they need similar things: Business insurance. Protecting their business is something that, undoubtedly, they think about.

After all, having the right type of coverage ensures that the owners, the clients, and the customers all have the protection that they need. Security is not guaranteed. No one can promise that the market will always be the same. What can be guaranteed to these business owners is that you will have the protection that you need in the case that something goes wrong. If you need coverage and protection that you can relate to as a business owner, you can find it. Check out the resources online available to you and you’ll find that you can get the coverage and rates you deserve. Protect your business now.

Vacation property, an investment for retirement or a permanent residence, this Lake James waterfront home may be your dream property.

The beautiful water front home is located in a private community with spectacular views of the Blue Ridge Mountains. It has a double deck boat dock, an enclosed boat garage and a private ramp to launch your own watercraft. The home was built originally in 1972 and totally renovated in 2002. A four car detached garage was built in 2002.

There is a total of 264 ft. of water front. Beautiful three tier sea walls accent this elegant home. Hard wood and tile floors, modern appliances and vaulted ceilings are only a few of the amenities that capture you with this home.

Private dock permit.

List Price: $1,800,000
Flexibility: Willing to finance
Acreage: .75 acres
Type: Waterfront

Floors: 2
Bedrooms: 4
Bathrooms: 4
Sq. Footage: 3700
Garage Size: 4.0
Year Built: 1972, totally renovated in 2002
School District: Nebo

Suitable Use: Residential

Topography: Rolling
Road Frontage: Private Road
Location: Lake James, Burke County, NC

Amenities: Waterfront, Fireplace, Central AC, Alarm, Wood Floors, Gas Range, Patio, Wheelchair Accessible, Nature/Bike Paths, Boating, Controlled Access, Spa/Jacuzzi

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search for : Lake James waterfront home, Blue Ridge Mountains, Lake James, Burke County, NC

Insurance is a contract between the insurance company and you. Like all contracts, it’s give and take. That’s what makes a really good deal. In this case, we’re talking about an auto insurance policy. So, in return for the premium, you’re asking the insurance company to pay whatever costs arise from the traffic accidents you get into. It looks like a bet. The insurer works out what the odds are given the car you drive and your track record – it’s called risk assessment – and sets the premium accordingly. But you can also gamble. Suppose you think that, as a good driver, you’re never going to get in an accident or, if you do, it’s never going to be more than an insignificant accident with nominal damage on both sides.

In a perfect world of free choice, you could decide not to carry insurance at all. You’ll always have enough cash in hand to pay out for the minor dinks and dents you cause. Unfortunately, our world is not perfect. All but three states in the union require you to carry car insurance. If you drive any vehicle without having a valid policy, you commit a crime. And it usually takes two to have a traffic accident. You may be the most careful man in the world, but the idiot who rear-ends you while you’re parked may lack the same skills. It’s also possible that you may overestimate your skills and underestimate the amount of money you may have to pay if there is an accident. Suppose, for example, you hit an imported luxury car and injure the rich lawyer driving, the costs of repairing the car and compensating the lawyer for pain and suffering may be just short of astronomical.

So deductibles are a happy compromise. Most insurance companies allow you to pay the first part of any claim you make. The amounts are usually stepped as $100, $250, $500 or $1,000. So if you cause damage valued at $3,400, the insurer will pay the balance after you have paid your contribution. Yes, payment of the deductible is a precondition of the insurer paying out. So, when you’re getting your online car insurance quotes, always remember to opt for the amount of deductible you can afford. That way, your car insurance policy will come with a discount. Remember: The higher the deductible, the bigger the discount!

For most of our (long) life, we baby boomers have assumed that paying our bills on-time has resulted in a good credit score.

However, I’m sorry to report that’s not always the case. There are many mis-perceptions about how scores are calculated. Yours could be lower than you might expect.

Not to be overly didactic, it bears mentioning that credit scores are used by financial institutions to determine whether they should lend you money. But, of more importance, your credit score could determine what interest rate will be charged. A higher score means you are statistically less likely to default on the loan; therefore, you will usually get a lower interest rate. Maintaining a healthy credit score will save you thousands of dollars over your lifetime.

Developed by the Fair Isaac Corporation back in the 1960s. FICO scores are by far the most commonly used to evaluate individuals of credit worthiness. You have three different FICO scores, one for each of the three major credit reporting agencies, Equifax, Experian and Trans Union.

Paying your bills on time only accounts for roughly one-third of your overall FICO score. The reporting agencies also factors four other components: the amount of debt you owe, the length of your credit history, the number of credit accounts you’ve recently opened and the types of credit you use. FICO considers you a lower risk if you have multiple credit accounts, while keep the payments up-to-date, and maintaining balances between 25 percent and 35 percent of your available credit.

Your FICO score doesn’t take into account your net worth or your income. A large number of credit inquiries will lower your score, but the FICO algorithm is smart enough to know when you are rate shopping. Checking your own credit report does not affect your score. Check your score as many times as you’d like.

To learn more about how FICO scores are calculated, visit Fair Isaac’s web site at www.myfico.com.

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission (FTC) enforces the FCRA with respect to consumer reporting companies.

The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. To order your credit report, for free, visit annualcreditreport.com, call 1-877-322-8228, or complete an Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

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