Tag: snowbird considerations

From Summerbird to Snowbird

From Summerbird to Snowbird Transition from a Summer to Winter Stay in Your Warm Weather Community Many times I’m inspired to write about questions I receive seeking insight of the snowbird life. This time our repeat vacation rental guests asked about making the transition from 

Two Alternate Travel Options To Get to Your Destination

Nashville Tennessee skyline Two Alternate Travel Options How to Get to Your Warm Weather Destination Without Driving Yourself At some point, every snowbird must decide whether to continue driving themselves to their destination. It’s a tough decision snowbirds face for various reasons.  As snowbirds age, 

Starter Snowbirds: Analysis of Two Pre-Emerging Snowbird Couples

Stinky's Fish Camp, Santa Rosa Beach, FL
Stinky's Fish Camp, Santa Rosa Beach, Florida

Starter Snowbirds

An Analysis of Two Pre-Emerging Snowbird Couples


While sitting around a firepit at our neighbor's end of summer social gathering, the topic of retirement and possibly becoming a snowbird were of interest to two couples who are also long time friends. Although neither of the couples were fully committed to the concept of being a snowbird, it seems they were at least intrigued.

My observation is that seasoned snowbirds are generally eager and excited to talk about it. The same cannot always be said for potential snowbirds who may have various reasons for holding back. It may be the perceived or real lack of time or finances, an uncertainty of whether becoming a snowbird may be a good fit. There may even a bit of envy. It's hard to say, but it's very noticeable among pre-emerging snowbirds. Having said that, any tidbits of information that are shared are always something I enjoy analyzing. Are the plans realistic or well thought out? Are the ideas in sync with each person in the relationship? Are the logistics likely to work? Typically not, which is why pre-emerging snowbirds have time to figure it out because there are a lot of angles beyond, "I've always loved the desert, so I want to be a snowbird there." 

I periodically check in with my known potential snowbirds just to gauge the ongoing level of interest, timelines and goals, perceived obstacles and also offer support without being too intrusive. No one wants unsolicited advice and everyone wants to dream about the future and what could be.

Below, I share with you my analysis of the two couples. Each are at different points of their journey and both are on the spectrum of being starter snowbirds. If you are not yet a snowbird, consider the major areas to hone in so you can direct your energy to either fully committing at some point or acknowledging it isn't the right goal for you. The biggest obstacles and challenges are where you need to be honest and realistic. Of course that's easier when looking at someone else's situation, which is why I wrote this post. It's a reflection of not just these couples, but almost every couple considering becoming snowbirds.


Starter Snowbird Couple One

Married for 40 years

Primary residence: almost paid off

Financial resources: yes

Wife is retired

Husband will formally retire by December 2023, then continue to work part time two to three days per week

Pets: Yes, two dogs

Family: Three adult children, two are local to the area, the third is a six hour drive away in Wisconsin; one daughter-in-law, one son-in-law, one six year old grandchild

Goals

Goals are somewhat fleshed out. A general timeline and interest in being snowbirds was expressed, but the husband and wife have differing opinions on what that looks like. The husband would like to target Winter of 2024 for the initial run and the wife wants to postpone the target date a year later at the soonest because she first wants to travel to Greece and other places overseas.

Both eliminated Florida as a potential snowbird location. Texas is one state they are considering. Arizona is their preferred target location, but they haven't looked into much more detail other than being in a suburban area such as Mesa and likely a condo. Neither has loved ones in potential areas they are considering, but that is one factor they considered.

Hobbies and interests include family/their grandchild, travel, food, hiking and entertainment such as live music and sporting events.

Both maintain close family connections.

Analysis

Advantages: wife is already retired

Disadvantages: pets to contend with, family and grandchild in their primary area, husband required to be on site at work several days per week

Biggest adjustment: they currently enjoy spending money on entertainment such as season tickets to national sporting events, cruises and vacations. Budgeting for one or more seasons as snowbirds will cut into or reduce vacation travel and other discretionary activities.

Biggest obstacle: In my opinion, the biggest challenge they will face as snowbirds is being 3-4 days' drive away from their primary home if they choose Arizona as their destination. Re-framing their discretionary spending and letting go of other long held traditional pleasure expenses will be a very big adjustment as a couple. I haven't yet figured out how the part time job comes into play if they become snowbirds more than 1,800 miles away from the job unless the employment takes a pause for a couple of months.

 


Starter Snowbird Couple Two

In a committed relationship for several years, previously married to other partners

Each purchased their own individual residences

Financial resources: yes

She is of retirement age, but enjoys her career and the salary/benefits of her employment

He is approaching retirement age in about 3-4 years, but enjoys his career and the salary/benefits of his employment

Pets: none

Family: Both have adult children who are not local to the area, neither has grandchildren

Goals

Goals are not yet fleshed out. A general timeline and interest in being snowbirds was expressed, but nothing more specific.

Both enjoy interests that they said, "Everyone else also likes." Hobbies and interests include travel, food, craft beer, wineries, etc, gardening, entertainment such as live music, sporting events, tours and other cultural activities.

She maintains close family connections and he does not.

Analysis

Advantages: no pets to contend with, no family in their primary area

Disadvantages: both are required to be on site at work every day, two residences to maintain while away, differing situations regarding family, separate finances.

Biggest adjustment: they currently do not spend 24/7 together and this will test the relationship should they become retired snowbirds.

Biggest obstacle: In my opinion, the biggest challenge they will face as snowbirds is finding common ground regarding the terms of becoming snowbirds, such as where, when, how long and who will pay for what. Being around each other and sharing resources, such as a vehicle, in a different location other than their individual residences will challenge their long-held independence.


Just for fun, I've included a third scenario of a neighbor who is a hybrid type of snowbird. She is her own unique person and here is what I know of her semi snowbird lifestyle.

Single Woman Semi Snowbird

Single, previously married

Residence: Owns her primary residence, owns a vacation lake home in Northern Michigan

Financial resources: yes

Retired: yes

Pets: none

Family: Adult children who are local and adult children who are not local to the area, several adult grandchildren

Observations

She is very independent and is able to make or change her plans as she wishes. She spends time in her favorite places all year round, including her vacation lake home and other places of interest including the Western United States. She seems to prefer Key West for extended periods of time, including about six weeks each winter. She is not the typical snowbird who parks in one place for a season, she tends to come and go to various locations as it suits her needs.

Hobbies and interests include travel, food, tours and other cultural activities.

She balances family with travel and it seems to work for her.

Analysis

Advantages: fully retired, no pets to contend with, no spouse or partner to compromise with and solid financial resources.

Disadvantages: two residences to maintain while away, must find and rely on neighbors, family and other helpers to assist with her primary residence when not there, no travel partner with whom to share her adventures or the mundane things such as driving to destinations

Biggest obstacle: In my opinion, the biggest challenge she faces as a semi-snowbird is being physically able to continue her lifestyle if she should have health issues that limit her ability to go to all of the places she desires.


 

"Our dilemma is that we hate change and love it at the same time; what we really want is for things to remain the same but get better.”

-- Sydney J. Harris, American journalist


DISCLAIMER

The information contained in this website is for general information purposes only. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from or in connection with, the use of this website.

Through this website you are able to link to other websites which are not under the control of Midlife Snowbird. We have no control over the nature, content and availability of those sites. The inclusion of any links or advertisements does not necessarily imply a recommendation or endorse the views expressed within them.

Where to Shop to Furnish Your Vacation Rental

Where to Shop Where to shop to furnish your vacation rental or second home Personally, I’m not a shopper. I’d rather do almost anything else than run to the store for something. Professionally, I’ve become adept at finding everything needed to furnish our vacation rental 

Flying Snowbirds

Cosmo is an international flying snowdog who lives in Germany and has made seven round trips to NW Florida since he was a pup Flying Snowbirds Are you a good candidate to fly to your warm weather destination? Flying snowbirds are a bit of an 

Nothing Bad Ever Happens at the Beach

Scene of the fire at AJs restaurant on the Destin harbor, February 9, 2016
Our first year as snowbirds, we witnessed a raging fire that broke out at AJ's where we had just departed just seconds earlier

Nothing Bad Ever Happens at the Beach 

Why Snowbirds and Tourists Should Know and Set Individual Limits

For nine years and counting, my sister has resided near world-famous Waikiki Beach on the island of O'ahu, Hawaii. Known as "The Gathering Place," the island is a mecca for domestic and international tourism. Home to nearly a million residents, it also hosts the largest number of annual tourists of any of the Hawaiian islands.

"Nothing bad ever happens at the beach" is a frequent topic of phone conversation between my sister and I. Of course it's absolutely not true. We usually bring it up after something has gone horribly wrong that we want to share. It's painful to know many of the accidents are entirely preventable and yet bad judgment prevails in the name of a thrilling new adventure, over-estimating one's abilities or attempting to get that amazing photo to document the unbelievable scenery.

Accidents of all kinds happen everywhere at any given time. The perception of many tourists and snowbirds is that because they are enjoying time away -- at the beach, in the mountains or at their winter home -- bad things won't happen. Yet it does. Just because it isn't plastered all over the news doesn't mean visitors don't get lost on remote trails with no cell service, hit by cars, fall into hot springs, crash on a helicopter tour or get swept out to sea by a rogue wave while standing on lava rocks. 

My northern neighbor's brother was fatally injured by a falling rock while standing under a Maui waterfall. His group had entered a restricted area and it cost his life. I have family members who hiked a narrow, treacherous trail on their Kauai honeymoon and nearly slipped down a steep incline on the wet rocks. It absolutely caused an otherwise blissful vacation to become very stressful.

The opinion of my sister is the local media purposefully does not emphasize these types of reports. That would be bad for the tourism business, which is the prime industry for the State of Hawaii. Therefore it is imperative to think ahead, know your limits and make solid, non-emotional decisions based on your own individual abilities.


The topic of this post had already been planned when historic Hurricane Ian catastrophically devastated many areas in the State of Florida and coastal areas of South Carolina. Our hearts break for everyone affected including the humans, pets and wildlife. There are no words.  


 

Recognize Your Personal Limits, Learn from the Mistakes of Others

I'm not a first responder by any means and typically have rarely had to call for emergency services. That changed when my husband and I became snowbirds. Every season we personally witness accidents that require an emergency call and there are plenty of examples of other horrible situations that do make the local news in our snowbird community in Northwest Florida.

The main objective is to not only learn from your own experiences, but those of others. Be cautious instead of later regretting your decisions. It isn't just seniors who get in over their heads, it's all ages as well as pets.

Following are recollections of the most memorable events I have witnessed during my years as a snowbird. A lot has happened and it involves so many aspects of everyday life. May these painful situations help someone else as a form of pay it forward by knowledge.


Pets

Our first year in our snowbird community we witnessed a vehicle with a dog riding in the front passenger seat. The window was open all the way. I think you know where I'm going with this. Something caused the dog to leap from the moving vehicle. It landed hard on the pavement and rolled multiple times, screaming in pain. My husband and I were horrified. We hoped the dog would be ok, but unfortunately will never know.


Fire

The same year for a Fat Tuesday Mardi Gras celebration, we dined at a restaurant with amazing views of Destin's harbor. AJ's had live entertainment and a packed house of patrons enjoying the music. After the show was done, we were some of the last guests to leave and walked down the boardwalk to Jimmy Buffet's Margaritaville. Whoa. I looked back at AJ's and the thatched roof was on fire! My husband sprinted back to AJ's to try to assist while I and others called for emergency help. Thankfully the place was safely evacuated and the main damage was to the roof, but it was a scary situation that would have been much worse had the show not ended before the fire broke out. Be aware of your surroundings. Always note the exits when in a public space. Things happen when you least expect it.


Elevators

Several years ago, we finished lunch and just happened to be near the front door of our sizeable condo. We heard shrill screams as if an animal was being attacked. Another neighbor and my husband and I ran out to the hallway and discovered a young child with two female family members and a baby in a stroller. They were exiting the elevator on our floor. The young girl's right hand became pinched inside the very narrow space of the elevator door when she suddenly threw her arms out and pushed the closing doors open. We didn't have a phone with us so I pressed the red button of the elevator to talk to emergency responders. It was not going to be quick for them to arrive. So my husband and our beloved neighbor, Tom were able to use every ounce of strength to pry the elevator door open so the girl could get her hand out. She was scared, but thankfully no broken bones.

Children and pets are not typically accustomed to riding on elevators and need extra supervision. Never allow children to play on an elevator and instruct them to stand still with their arms at their sides. Pets and children should be swiftly moved on and off the elevator.


Bikes, Pets and Pedestrians

There's a green space and a very nice wide paved sidewalk next to the busy road that spans our stretch of the beach. The area is very popular for pedestrians of all ages. Some have dogs on a leash, others have dogs or children in strollers, yet others are on skateboards or roller blades. There are also cyclists on traditional and electric bikes. As you can imagine, with all of this activity comes plenty of opportunities for collisions. I've witnessed the aftermath of a bike accident that resulted in a bloody mess, but the worst one that locals still talk about is a woman who merely was crossing a driveway to get to the beach. She was broadsided by a cyclist who was flying way too fast for the area and never slowed down for the many driveways along the road. Rumor is that the woman suffered irreparable brain damage from the accident. She will never be the same through no fault of her own except being at the wrong place at the wrong time. We've often commented you need to have your head on a swivel when out for a walk.


Planes and Choppers

No one, including me, wants to ever again wake up before dawn to see the many flashlights of searchers up and down the beach near the water line. Not only were there searchers on the shore, there was also planes with search lights flying low over the water. It was disturbing because it's obvious something is terribly wrong. We learned they were looking for the remains of a man and woman whose single engine plane crashed into the gulf. It's another haunting memory from our first year and a sobering reminder that planes and helicopters are at risk of crashes. In many cases, it's a much higher risk than commercial planes.


Water

Know the Beach Conditions

Learn what the flags mean. It could save your life to know a purple flag indicates dangerous marine life in the area; a red flag means dangerous conditions due to wind, undertow or rip tides and a double red means absolutely no one is permitted in the water. Yet we repeatedly see surfers, the occasional kite surfer and swimmers in the water on reds and double reds taking crazy chances in the dangerous surf. If there are no flags in the area where you are, stay out of the water. Just because the water looks calm doesn't mean undertow currents aren't there.

Recognize Your Limitations

If you aren't in great shape and/or are not a strong swimmer, don't take chances. Stay in the shallow water or on the shore. Despite the cliches about the gulf being the mild side of Florida's beaches (as well as other coastal states: Alabama, Mississippi, Louisiana and Texas), it can be angry, fierce and unrelenting. Remember, whether you are near or in an ocean or the Gulf of Mexico, the body of water is stronger than you are. You have to respect the power of the ocean and the gulf.

Rip Tides

I admit, I didn't fully understand what a rip tide, also known as a rip current, formation involves until not that long ago. I've seen the diagrams and know to "swim parallel to the shore." What I didn't know is that it is possible from the shore to identify a rip tide by the way the water is flowing. It occurs in certain areas of a beach and it is influenced by the shape of the beach. If you haven't already, take time to learn the features of a rip tide. Watch videos for examples of rip currents and feeder rips. If the water looks "angry" and you aren't an avid swimmer, don't get in the water or stay in the shallow water close to the shore.

Dangerous Marine Life

One season we splurged on a 30 minute helicopter tour of the shoreline of the Gulf of Mexico. It was a gorgeous day with stunning views of the emerald green water and everything in it. It was easy to spot the sharks from above and there are plenty. Just because you are blissfully unaware stingrays and sharks are swimming nearby doesn't mean they aren't there. Sharks or not, there's plenty of jellyfish, man-o-wars or other wildlife that are protecting their babies and have no qualms about attacking anyone who gets too close.

Fishing

Shore fishing is popular along our beach. Stay far away from the lines, especially when the lines are being cast. Why would anyone take a chance of getting a hook lodged into their skin. Don't forget to watch where you walk. Never assume sharp objects such as hooks are not in the sand.

Holes

Many visitors to the beach enjoy digging holes in the sand. Fine, just fill them in before leaving and never leave a hole overnight. Beach walkers, pets and wild animals do not need to risk injury from stepping in a hole.

Boats, Kayaks, Canoes, Pontoons

Every year we hear reports of tragic drownings. No matter your vessel of choice, if you aren't adequately skilled, don't do it. The professionals know where to go based on the weather conditions and when to stay ashore. If you can hire a pro, it's worth it for the peace of mind.

 


Vehicles

Mid-morning on an unusually chilly day a driver careened around a corner from the main beach drive into a suburban neighborhood of expensive homes where the vehicle crashed into the divided median, knocked into a couple of palms, then came to rest on it's side. Had it not been so cold, the sidewalks in this area would have been populated with people and their pets. Although due to privacy, we only have pure speculation, it seems the driver may have had a medical event that caused the crash. It didn't appear to be from the weather conditions. We watched as the rescue crews attempted to get the driver out. First by less invasive methods and ultimately having to cut the vehicles roof open. The man was taken by ambulance with a visible head wound. It could have been much worse had pedestrians been around. Never assume vehicles will remain on the road or can see you or your child or pet.


Falls

Our first year at the beach was full of accidents, including a senior woman who was with her friends on a rainy morning. They decided to cross the road and descend the multiple flights of wooden stairs to access the beach. The stairs have narrow treads and they were wet, which means very slippery. You guessed it, she slipped and fell on the steep stairs. She hit her head, resulting in bleeding. My husband saw the accident happen from our balcony and rushed over with clean towels for her head while I (once again) called for emergency services. Because the woman had signs of a concussion and head trauma, first responders took her to the local hospital for an overnight stay out of an abundance of caution.

Remember, wood and other types of flooring is extremely slippery when wet. Always use hand rails. Make sure your shoes are laced, have adequate treads and so forth. Stairs are high risk for falls for anyone under the best circumstances.

Two weeks ago our 72 year old neighbor across the street was pushing a heavy box down his sloped driveway. It was the last day of moving their belongings before the new owner moved in. I watched Dave from our window and was stunned when he lost his balance, fell onto the concrete and rolled down the drive multiple times. He laid there, not moving. My husband and other witnesses were quick on the scene. Dave initially did not want an ambulance, then agreed he needed help. While the EMT's were loading him on the stretcher, his wife was overcome with emotion and fell to the grassy ground next to me. She fainted and I did my best to keep her head from smacking the Earth. It was a lot to take in, that morning they had both been just fine only 20 minutes earlier. We later learned Dave broke his hip and had surgery the following day. It was one of those situations where he overestimated his abilities. Although expensive, professional movers would have been far less painful or expensive than a broken hip.


Waivers to Participate

Ziplining, rock climbing, parasailing, sky diving, hot air balloon rides, bungee jumping, etc. all require waivers to participate. When you have to sign a waiver, you also need to ask yourself if it's worth it? For me, ziplining in the mountains of Tennessee was a "one and done." I was lucky to sustain only moderate damage to my arm ligaments and I've since realized that not every state has authorities that oversee ziplines or perhaps other activities of a similar nature. No one wants to try out a thrilling sport only to be injured or worse. Personally, I realized I'm fine with activities that don't require a waiver. If you like thrill-seeking sports, that's terrific, just be prepared for whatever that might mean, good or bad.


Parting Thoughts

Crosswalks are there for a reason. Stay within the crosswalk, put down your phone and pay attention to the traffic. It could save your life. If you are the driver, watch for pedestrians. There are many, even in the winter season.

Don't lull yourself into letting your guard down, stay in well lit areas after dark. Be smart about where you walk at night.

Keep your head on a swivel when necessary.

Respect restricted areas. It may not be immediately obvious why the area is restricted -- until it is too late.

Know the location of where you are at any given time. In the event of an accident, you'll need to provide a street address to the first responders.

If a victim is conscious, ask them if they would like for someone to call for an ambulance. Some have refused, it is their choice to make.

Stay calm. Becoming hysterical will upset everyone that much more.

Finally, always remember Fred Rogers' famous advice to look for the helpers. “When I was a boy and I would see scary things in the news,” Rogers said to his television neighbors, “My mother would say to me, 'Look for the helpers. You will always find people who are helping. '”

 


 

"Caution is the parent of safety.”

-- Proverb


DISCLAIMER

The information contained in this website is for general information purposes only. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from or in connection with, the use of this website.

Through this website you are able to link to other websites which are not under the control of Midlife Snowbird. We have no control over the nature, content and availability of those sites. The inclusion of any links or advertisements does not necessarily imply a recommendation or endorse the views expressed within them.

Snowbird Destination Trends

The Covid-19 pandemic has forced a re-evaluation of metro vs. smaller populations for snowbirds and Zoombirds [Natchez Street, Seaside Florida] Snowbird Destination Trends Considerations for Snowbirds and Zoombirds What are the latest snowbird destination trends? I was recently interviewed for an article, “Boca Raton, Florida, 

Snowbird Travel Precautions During A Pandemic

Prior to unloading anything, take extra precautions to sanitize the air and surfaces of your hotel room while in transit to your destination Snowbird Travel Precautions During A Pandemic Guidelines to Consider Prior to Your Road Trip Many snowbirds depart for their southern homes after 

Pros, Cons of Owning Two Homes

Covington Lake Midlife Snowbird blog
One consideration of buying a second home is whether to retain or down size one's Northern home [Covington Lake, Northeast Indiana]

Pros and Cons of Owning Two Homes

15 Point Checklist Before Buying a Second Property


Many snowbirds think about owning a vacation home or investment property in their warm weather climate. There's a lot of appeal and advantages to have your own place and in time, it may appreciate in value, depending in part on the type of property and location.

However, for every pro, there's a downside to owning two homes. My husband and I have more than 14 years' experience with two homes, including a condo in our Northern community that I manage as a long-term rental. Long or short term rentals is an extensive topic that will be covered in a future post.

Let's focus on the major considerations of buying a second property in a warm climate where you want to split your time. We will assume you finance the property without partners or some sort of timeshare or fractional investment arrangement. Even without managing partners or renters, it's a lot to take on, not only financially, but the logistics of living in two places. Don't discount the impact of feeling the pressure of friends and family who express their needs and wishes regarding either of your homes. Below is a 15 point checklist of the major considerations based on my own personal experience as well as future ambitions.

    


Checklist of 15 Considerations Before buying a Second Home

Before you even get to the "fun" part of deciding what type of home you want, how it will look and be furnished and where it will ideally be located, there's much to think about -- the practical nuts and bolts of what it really means to own a second home and how you plan to address the issues that will invariably crop up. Not to mention how much it costs and where the money will come from to pay the bills.

Don't impulse buy. Find out the stats including cost of living, crime rate and weather patterns. Know the area you are considering as it relates to daily life as well as the impact of high season vs. low season. Will traffic be a nightmare during high season? Consider how you will get there and how much it will cost. Can you and your guests arrive easily by air if needed? Will your new property meet your needs in two, five or ten+ years? Are there local restrictions that will affect you? We have Northern neighbors who fly to Hawaii for an extended winter stay. While there, they have experienced much higher prices for airfare, housing and food; delays and inconveniences due to weather, such as volcanoes; as well as travel restrictions due to the Covid pandemic. Ultimately they bought a second home in south Florida because it was too expensive and too distant to invest in an island property.

How important is size or type of property? Park models and mobile homes are very popular options because they are available at many price points for almost any budget. The big question then becomes, can you and your spouse get along when living in very close quarters? This type of living arrangement works better when there's outdoor space and activities to spread out a bit.

Some snowbirds sell their Northern home and buy something smaller so they can also buy a second home in a warmer climate. Before doing so, make sure each place is a win-win. If you end up with two condos in two climates and neither has a private fenced yard for your dog or space for a vegetable garden, it could ultimately be quite deflating.

It's really not that unusual for spouses to spend time at either home without their partner. I know of couples who spend a few weeks or months together in their warm weather home and then for various reasons, one might be in the southern home and the other has to travel back North, whether for work, family or other commitments and occasions. If that is your situation, can you work out the logistics as well as the physical separation of being apart?

Are you fully prepared for family or friends who ask to stay short or long term at either of your properties while you are not there? This is a serious issue that is also not that unusual. Talk it over with your partner to be prepared in advance for whatever answer you will need to give. Come to a mutual agreement, then be firm with your decision. During the frenzy of a crisis, you don't need the added burden of getting into a heated argument with your spouse because you didn't have a plan in advance. There's nothing worse than feeling you can't come back to your own place because someone down-on-their-luck is living in your home and maybe even driving your vehicle/s. Remember, having a second home that you've diligently worked to attain will automatically invite envy, criticism and/or multiple requests for favors.

It's one thing for immediate family to request favors regarding staying in your second home, but imagine if friends, neighbors and friends of friends start asking to stay in your property? Set the parameters before you buy so that you have solid, consistent answers when the time is necessary. I know of a woman with a second home on a lake whose adult children stay in it fairly frequently and are known to eat up the pantry items, deplete the toilet paper supply, leave loads of dirty linens and towels and piles of dishes in the sink. That's bad enough, imagine how you would feel if a stranger did it? It may not be worth the agony, even if you charge a daily rate to cover costs.

Last, but not least, whether you are a domestic or international home buyer, there are many legal, tax, insurance and financial pros and cons to owning two homes. Check with your professional advisors before making any commitments. Do your homework in advance so you are fully aware of the impact of having a second home.


1. Who will stay at the second property?

--You and/or your spouse?

--Your pet/s?

--Family? If so, immediate family or extended family?

--Friends?

--Friends of friends?

2. Who will stay at your primary property?

--You and/or your spouse?

--Your pet/s?

--Family? If so, immediate family or extended family?

--Friends?

--Friends of friends?

3. How long will you each stay at each property?

--Split the time in half?

--Go back and forth every few weeks or months?

--If you are an international buyer, can you meet the residency requirements for both countries?

4. How will you and your pet/s get to/from your second home?

--Air?

--RV?

--Vehicle?

5. Where will the second property be located?

--City/metro

--Desert

--Golf community

--Island

--Mountains

--Rural

--Senior community

--Waterfront: ocean, river or lake?

--Access to an airport?

6. What type of property are you considering?

--Condo/townhouse/villa

--Manufactured home

--Park model or mobile home

--Single family residence

7. What kind of amenities do you want?

--Balcony, deck or patio?

--Clubhouse?

--Dog park or fenced area?

--Entertainment?

--Fitness equipment/gym?

--Parking: public, private, covered or garage?

--Pet friendly?

--Pool: community or private pool?

--Sports activities onsite such as golf? Tennis? Racquetball? Volleyball? Shuffleboard? Miniature golf?

--Storage?

--View?

--Yard: public space, private or fenced?

8. What is your budget for your second home? How much can you spend on:

--Down payment (10% to 20%), closing costs

--Mortgage

--Insurance

--Homeowner's Association (HOA) fees

--Duplicates of everything, including furniture, appliances, clothes, sports equipment

--Amenities

--Cable television and wifi

--Lot rent

--Maintenance

--Security

--Supplies

--Taxes

--Utilities

--Vehicle/s

9. How will you maintain two properties?

--Through a condo or community HOA?

--Private arrangements?

10. What kind of transportation will you permanently keep at your second home?

--Bikes?

--Golf cart?

--Motorcycle/s?

--None?

--Vehicle/s?

11. How will you solve unexpected problems in either home?

--Do you have a solid team of neighbors, friends or family in either place?

--Can you solve mechanical and other problems from afar?

--Are you willing to find and hire long distance help as needed?

--Can you provide access to your property through a key code or other means?

--Is your insurance coverage adequate?

12. How often will you welcome guests at either property?

--Anytime?

--Invitation only?

--On a limited basis?

--Upon request?

13. How will you handle your guests?

--How long will guests be welcome to stay?

--Are guests expected to contribute financially?

--Do you have a budget to entertain your guests?

--Will you provide beverages, food and meals for your guests?

--Do guests need to provide their own transportation?

--How will you handle guests who ask to stay in your property during your absence?

--What is your plan if a guest behaves badly?

14. How will you handle the stress of two properties?

--Are you ok with the commitment of returning to the same place each year?

--Are you well funded?

--Do you have plans and back-up plans for problems that arise?

--Do you mind cleaning, stocking and maintaining two properties?

--Are you and your partner in agreement on how you will handle major issues?

--Can you travel back and forth on short notice if needed?

--Can you realistically manage one property from afar at any given time?

--Will your pet adapt to two homes?

--What will be the remedy for damage caused by you or your pet/s? Natural disasters? Damage from guests and their pet/s?

--How will your loved ones be impacted when you are away?

--Can you accept the risk your property may decrease in value?

15. At what point will you opt-out and sell either property?

--When you retire?

--When you reach an age where you can no longer travel back and forth?

--When it becomes too stressful or expensive to manage two properties?

--When your loved one/s are no longer living nearby?

--When one of the properties significantly appreciates in value?

--When your spouse or partner expires?

--Do you plan to infinitely retain two properties?

--Have you implemented an estate plan?


 

"You will never be completely at home again, because part of your heart will always be elsewhere. That is the price you pay for the richness of loving and knowing people in more than one place.”

-- Miriam Adeney, Author, Anthropologist

Cost of Snowbird Rentals: Beach, Desert, City/Metro

Leeward Key in the Destin area features stunning views of sugary white sandy beach of the Emerald Coast Cost of Snowbird Rentals: Beach, Desert, City/Metro Comparison of rental rates for houses, casitas and condos in three different areas Many snowbirds rent housing in a warm