Our Maiden Voyage

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Our first exploration took us to Hampton, VA. The boating and kayak launch site is located at Fox Hill Boat Ramp at 365 Dandy Point Rd in Hampton, VA. There is a great sized parking lot with several launch sites for boats, jet skis and a designated launch ramp for kayaks. So easy! By the launch site, there are porta-johns as well as a small bait and tackle shop. You will find parking near the ramp to unload and plenty of parking spots to leave your car while you are out adventuring! 

It was time to load up our kayaks and set off into the Chesapeake Bay! We navigated around the larger boating docks. There were people on the shoreline fishing, but overall it was not crowded. It only took a few minutes of before we hit the open water. From there we could see the beached island, Factory Point, our intended destination for this short paddle. The island was packed on with many anchored boats and people spending their afternoons on the beach on the first end we passed. Our group decided to venture down to the other end of the island in hopes to avoid the crowds. We were met with a few other kayaks on the shore. As we paddled across the water to the far side of the island, we took in the beautiful scenery and nature surrounding us. There were a few boats passing through as approached the beach, but they maintained idle speeds through the “No Wake Zone”.

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  We reached the beach in about 28 minutes of leisurely paddling from the launch site which was only 1.33km in distance. We dragged our kayaks onto the beach - you want to make sure you do this far enough on the shore to account for the changing of the tides. You do not want your kayak to be swept away! We strolled down the isolated part of the island until we could not go any further looking for shells and such and then headed back. As we were walking, we noticed some signs on the dunes that read “Protect the dunes- cross at access point”. Turns out the island is also a nature preserve for bird nesting which was awesome to see!

We continued walking along the beach until we reached the dune access point. Here we were able to cross through the dunes opening to the other side of the island. We reached our destination! The dunes opened to a beautiful inlet where you can spend the afternoon swimming, enjoying the weather and relaxing in nature. It is a great spot for kids as well as adults to play, swim and chill. 

All in all, this trip was a major success! The total distance was about 2.66km and took about 30 minutes each way - an hour of paddling total. Our group definitely plans on going back for more trips to this beach in the future!

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Kayaking with Kurt

Kayaking with Kurt

We are starting this blog as we begin new adventures around the great Coast of Virginia. Our goal through these blogs are to explore new areas and access points as well as provide a basic review of our experience in hopes of enlightening others on great locations to get outdoors and enjoy the coast and all it has to offer. Every paddle is a different environment which brings different challenges and new adventures so we hope to provide insight on the best places for you and your family/friends to paddle and sightsee, regardless of the ability level. Whether it’s a relaxing calm paddle down a river, paddling across the bay to beaches or remote islands or maybe even catching an adrenaline rush on some flowing rapids; you can experience it all!

What You Need to Know About Buying or Selling in a Pandemic

With all of the change and uncertainty that has come with the onset of the Coronavirus, making a major life decision - such as buying or selling a home - can be extremely daunting. Whether you are looking to downsize, realizing you need more space, or looking for a change of scenery after staying at home for three months, jumping into the housing market during a pandemic may seem like a tall task. We are here to ease some of those worries and help you gain a clear understanding of the market right now

Based on a year-to-year comparison of the month of May, the market is right on trend compared to 2019. Basically COVID-19 hasn’t halted the marketing in our area one bit.  If anything the government’s response to the virus of lowering interest rates has truly amplified the refi marketing… meaning more sellers may be choosing to stay in their homes verses sell because they can lower their payment by sometimes HUNDREDS of dollars a month! 

 This is great news for sellers – because it puts us in a low inventory market which by economic basics, is a seller’s market! That said, do not be scared to buy a home during this time. Using simple breakdowns of the current market trends, we will walk you through the good, the bad and the ugly of both buying and selling a home in the midst of a pandemic.

 Buying a House

THE GOOD: As a result of the economic shut down early this spring, the Federal Reserve cut interests rates. For buyers, this means that mortgage rates have dropped to the lowest in about 50 years. This is a plus for buyers! Mortgage interests’ rates are low, so over time you will be paying less! Although you may be putting in offers higher than you expected, in the long run you’ll be saving! 

THE BAD:  Currently, there is a low inventory of active listings. Compared to May 2019, active listings have decreased 32.88% to 6,348 total houses for sale. For a buyer, this means less houses to choose from, and more competition with other buyers to present the best offer. This may mean submitting bids to multiple homes and getting out bid.  

THE UGLY:  Seems like there is a lot of uglies these days… Focusing our attention on buying a house, there are a lot of UNKNOWNS and anxiety. That’s ugly. If you wait too long to buy, interest rates could go up. If inventory stays low, but interests rates go up, buyers will be bidding higher and making a more expensive decision while having to pay more in interest on their long term mortgage. The “what ifs” and hesitation may leave you kicking yourself. 

Selling a House

THE GOOD: As previously mentioned, it is a seller’s market! With less houses to compare yours to and more competition, potential buyers have to act fast. This will work to your advantage. It is not unusual these days to receive multiple offers soon after your home goes live on the market. You’ll get to choose from these offers and make sure you are getting the most for your home!

THE BAD:  If you are one of our many seller’s that are in the “move up market” (meaning you want to sell one house and buy another) this is a tough spot to be in!  Because it’s a seller’s market, buying a home with a home sale contingency is nearly impossible because most likely you would be competing with someone who does not have a home sale contingency.  This puts you in a position to have to sell BEFORE you find another home…. which can be stressful, but it is DOABLE!  There are ways to make this happen and we are here to help you through it! 

THE UGLY: Selling your home means increased foot traffic due to showings, appraisals, and any work that may need to be done. Social distancing guidelines and new regulations for operation may make this anxiety provoking. If you are still occupying your home, having strangers come to take pictures or agents bringing in potential buyers can be nerve-wracking. You will need to be on top of disinfecting, cleaning after any services are done and maybe making sure there is hand sanitizer throughout the house. These are necessary precautions we have all needed to implement in our day-to-day lives, however, it should not deter you from taking advantage of the market!

Bottom line, this market has mixed emotions and challenges on all sides, but it is a GREAT market to be in!  If you are interested in making a move but don’t know where to start give us a call!  

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Insurance Companies

Believe it or not all insurance companies are NOT created equal! You will find that we recommend using local people and resources MOST of the time, but this is one of those times were it is IMPRESSIVE to do so! Here are some of the best in the area!

Prosper Insurance: 
Aaron Edwards
Office: 757-248-5973 Ext 1052
Direct: 757-644-5537
aedwards@prosper.insurance

Goodrich and Watson: 
Matt Andrews
Office: 591-2032
matt@goodrichwatson.com

AllState: 
Bart Leader
757-898-6101
bartleader@allstate.com

State Farm:
Dayton Wiese
Office 757-968-5757

Moving Companies

Deciding whether to move yourself or hire someone else to move you is a big decision…. and an expensive one! The best way to decide on a specific company is to check out reviews online, ask friends and family for recommendations, and call and ask a lot of questions and get a feel for the customer service they provide.

Here is a list of Movers that have been recommended to us:

Seaford Transfer
757-525-9062
http://www.seafordtransfer.com

Absolute Moving Company
757-486-8001
https://absolutemovingcompany.com

Hercules Moving
757-409-6683
http://herculesmovingva.com

Two Men and a Truck
757-204-6963
https://twomenandatruck.com/movers/va/newport-news

** It’s important to note that we haven’t used any of these companies ourselves. These recommendations are based on past clients recommendations. Please keep us posted of your experience as we always try to make sure the companies we are referring are keeping up with the standard we expect!

Rates Go Up, Rates Go Down... Wondering Why?

Although it often seems that interest rate movements are erratic at best, these factors described in the table above can be helpful in predicting short-term interest rate movements.

However, you’ll need to keep in mind that other factors not mentioned here may also affect rates, such as political and economic events in other countries. For example, when the Uk’s population voted to leave the European Union- aka Brexit- this affected some market rates.