Self-Directed IRAs – The Little-Known Secret That Allows Real Estate Investors to Create True Wealth!

Many of America’s 45 million households with IRAs stick with stocks and bonds, but an increasing number are switching to real estate, hoping for more lucrative returns. Investors have always been allowed to hold real estate in IRAs. Yet few people seemed to know they could, and financial institutions had little profit incentive to recommend something other than stocks or mutual funds.

Investors have been rethinking their strategies as the increase in home values surpasses returns on Wall Street. If you are a seasoned real estate investor or you’re just looking to diversify your retirement portfolio, the combination of real estate and your IRA can be very powerful and lucrative. If you have substantial assets in your IRA and if you take the next few minutes to master the guidelines, you can utilize the stash of money in your IRA to compound your wealth at a much faster rate.

Seven Things Every Real Estate Investor MUST Know about Investing in Real Estate with a Self-Directed IRA

1) Your IRA Cannot Purchase Property Owned by You or a Disqualified Person: “Can my IRA purchase a property that I own?” The answer is always no.

IRS regulations don’t allow transactions considered “self-dealing,” and they don’t allow your self-directed IRA to buy property from or sell the property to any disqualified person, including yourself.

2) You Cannot Have “Indirect Benefits” from Property Owned by Your Self-Directed IRA: Can your self-directed IRA purchase a vacation home for occasional use? Can you rent office space for yourself in a building that your self-directed IRA owns?

No. The purpose of the IRA is to provide for your retirement at some future date. It’s not intended to benefit you (or any other disqualified person) today. If your IRA engages in a transaction that, in some way, benefits you or a disqualified person, this is considered an “indirect benefit.”

3) Real Estate IRA Investments Are Uniquely Titled: You and your IRA are two separate entities. The investment needs to be titled in the name of your IRA, not in your name.

4) Real Estate in an IRA Can be Purchased without 100% Funding from Your IRA: You can purchase property in more ways than just an outright purchase of the full amount from your account. These other options include using undivided interest and partnering with others.

5) IRA Investments that Use Financing Must Pay UBIT: Your self-directed IRA can purchase real estate using financing as long as the loan is non-recourse. If you do use financing, unrelated business income tax (UBIT) is due.

6) Real Estate IRA Expenses Must Be Paid from Your IRA: All expenses related to property owned by your self-directed IRA (maintenance, improvements, property taxes, condo association fees, general bills, etc.) must be paid from your IRA.

7) Real Estate IRA Income Must Return to Your IRA: All income generated by property owned by your self-directed IRA must be paid into your IRA

Fees Associated with an SDIRA

Fees will vary from custodian to custodian, but they are usually workable for the investor. Many range from $50 for the setup fee to fixed amounts depending on the amount in your portfolio. For example, a portfolio of less than $100,000 could mean just $360 in fees. There are many well known, reputable custodians such as Equity Trust, Securities Trust, and Pensco Trust. Be sure to do your homework and research each company first.

Here’s a recent question I’ve recently received about Roth IRAs:

QUESTION:“Let’s imagine the following scenario: you come across a person who wants to sell his retail store. Let’s say he sells widgets. So, my SD-Roth IRA buys the LLC (Widgets, LLC). I know that in this type of setup, I cannot run the business, so I hired the current store manager to be the required 3rd party manager. Widgets, LLC, makes $1000 in gross sales. $500 for rent -$300 for payroll -$100 for utilities, inventory, etc. That leaves $100, which the manager then sends to the SD-Roth IRA. In this scenario, would that mean that the LLC itself shows 0 profit, and at the end of the year, is only liable for the $800 annual fee and payroll taxes on the one employee/manager? Or am I missing something?”

MY ANSWER:UBIT (Unrelated Business Taxable Income) applies even in a ROTH IRA. The governing factor is that the IRA is now engaged in a business that does not fit with its tax-exempt purpose. A 35% rate, so this needs to be planned carefully. I address many of these issues in my Wealth Building Plan. Make sure you are getting the best tax advice. Let me evaluate your financial and tax situation, then develop a customized tax strategy just for you. Together, we will come up with a strategic plan designed to answer your questions as you build your own customized wealth-building plan.

I address many of these issues in my Wealth Building Plan. Make sure you are getting the best tax advice. Let me evaluate your financial and tax situation, then develop a customized tax strategy just for you. Together, we will come up with a strategic plan designed to answer your questions as you build your own customized wealth-building plan. You can get more information at Wealth Building Plan. https://bostonrealestateinvestorsassociation.com/all-about-self-directed-iras/

- Foreclosure University

Product Name:

Your Online Real Estate Investing Resource

From: Jarad Severe, Foreclosure University
🏚️ How to Build Wealth with Foreclosures — Why Now is the Golden Moment
By Boston REIA — June 27, 2025
If you’ve ever wondered whether real estate investing is still the fastest way to build wealth in America, here’s the short answer: Yes — if you know what you’re doing.
Right now, there’s an overlooked corner of the real estate market creating life-changing profits for smart investors: foreclosures.
In this guide, you’ll learn why foreclosures can be so profitable, why this window won’t stay open forever, and how to shortcut the learning curve to get started safely and smartly — without spending years figuring it out the hard way.

📉 Why Foreclosures Create Massive Opportunity
When the economy tightens, foreclosures surge. We’ve seen it before — and we’re seeing it again now.
Tens of thousands of homeowners are falling behind on payments due to job losses, inflation, and rising interest rates. Banks don’t want to own houses — they want their money back. This creates one of the greatest “wealth shifts” we’ve seen in over a decade:✅ Motivated sellers.✅ Below-market properties.✅ Incredible margins if you know how to buy right.
But here’s the uncomfortable truth: Most new investors miss out. They get stuck on the sidelines, overwhelmed by paperwork, scared of making a mistake, or frozen by “analysis paralysis.”

📚 What Seasoned Investors Do Differently
The best investors aren’t lucky. They just have a proven system — and they follow it.
They know exactly:

How to find foreclosure deals (before the next guy)

How to negotiate with lenders and owners

How to analyze profit and risk

How to close with confidence

They don’t reinvent the wheel. They don’t guess. They don’t waste years making costly rookie mistakes.

⏳ Why This Window Won’t Stay Open Forever
According to Foreclosure University’s founder Jarad Severe, the current surge in distressed properties is a once-in-a-decade opportunity — a perfect storm of high rates, economic stress, and motivated sellers.
But it won’t last forever.
Banks are tightening up. Hedge funds are snapping up bulk deals. And prices can shift fast when inventory gets scooped up.
If you wait too long, this door closes. The big money always moves early.

⚡ How to Shorten the Learning Curve
Nobody wants to lose money on their first deal. That’s why the right education can mean the difference between your first profitable flip and your first expensive lesson.
Jarad Severe’s Building Wealth with Foreclosures program is designed for exactly this:👉 Showing you where to find profitable deals👉 How to negotiate directly with banks👉 How to handle the paperwork, legal traps, and title issues👉 How to exit each deal with maximum profit
It’s the same information he’s taught live for years — but streamlined into a home-study course that cuts years off the typical rookie’s learning curve.

🎯 Who This Is Not For
Foreclosure investing isn’t for everyone. It’s not a “get rich with no effort” scheme.
If you’re looking for instant money with no work, don’t bother. But if you’re serious about building real, repeatable wealth and you’re willing to learn and act — the rewards can be life-changing.

💡 Is This the Right Time for You?
Here’s the truth: You’re not the only one thinking about it. But most people will watch from the sidelines — and a few will jump in and collect the profits.
Which one do you want to be?
If you’re ready to get practical, proven foreclosure training (without paying $10,000 for a weekend seminar), this could be your smartest next step.

✅ Next Steps: How to Get Started
Jarad Severe’s Building Wealth with Foreclosures is backed by a full money-back guarantee — so you can learn the same steps seasoned investors use with zero risk.
Inside, you’ll get:

Proven templates and contracts (no lawyer needed)

Step-by-step checklists for each stage

Insider negotiation tactics

Audio lessons so you can learn on the go

Real case studies from actual deals

And if you’re reading this now — it’s available at the lowest price it’s ever been.

🕒 Don’t Wait for the Door to Close
The next few months could define your financial future for decades. Learn how to flip the current foreclosure wave into real wealth — for you and your family.
Click here to get - Foreclosure University at discounted price while it's still available...

All orders are protected by SSL encryption – the highest industry standard for online security from trusted vendors.

- Foreclosure University is backed with a 60 Day No Questions Asked Money Back Guarantee. If within the first 60 days of receipt you are not satisfied, simply request a refund by sending an email to the address given inside the product and we will immediately refund your entire purchase price, with no questions asked. https://bostonrealestateinvestorsassociation.com/foreclosure-university/

Investing Travels is a concept that blends the pursuit of financial growth with the experiences of travel. It's not a single, defined entity, but rather a perspective that encourages individuals to explore the world while also seeking opportunities to invest and potentially generate income. This can encompass various strategies, such as living and working in different countries, investing in international real estate, or even finding ways to monetize travel experiences. The core idea is to combine the freedom and enrichment of travel with the financial security and opportunities that investing can provide.

Here's a breakdown of how "investing travels" can be understood: 

• Financial Independence Through Travel: Some individuals use travel as a catalyst for financial growth, viewing it as a means to explore new markets, learn new skills, or even find remote work opportunities that allow them to live and work from anywhere in the world.

• International Investment: This involves actively seeking investment opportunities in foreign countries, whether it's real estate, businesses, or other ventures. This approach requires research, due diligence, and a willingness to navigate different legal and economic landscapes.

• Travel as an Investment: The concept can also be applied to the idea of travel itself as an investment in personal growth, education, and cultural understanding. Experiences gained through travel can broaden perspectives, enhance creativity, and lead to valuable skills and connections.

• Monetizing Travel: Some individuals aim to generate income while traveling by leveraging platforms like blogging, vlogging, or social media. This can involve creating content about their travel experiences, offering travel-related services, or even finding ways to collaborate with brands.

• Location Independent Lifestyle: Investing Travels can be a lifestyle choice for those who seek to break free from traditional employment and create a life that combines work and travel. This often involves building an online business or finding remote work opportunities that allow for flexibility and mobility.

Essentially, Investing Travels is a mindset that encourages individuals to think creatively about how they can combine their passion for travel with the pursuit of financial well-being.

We look forward to your patronage

Don’t want to deal with crowded airports, delayed flights, or rigid airline schedules?If you're planning a luxury getaway, group trip, or honeymoon, flying private may be more affordable (and bookable!) than you think.

🥇 Top Pick: Fly XO – The Best Private Jet for Couples and Groups

Why we love it: Transparent pricing, real-time availability, and easy app booking.✔ Shared or private flights✔ Empty leg deals (up to 75% off)✔ Loyalty rewards and referral bonuses

👉 Check Fly XO’s Current Offers

✈️ Private Jet Travel Isn’t Just for Billionaires Anymore

The rise of private jet charter apps and on-demand booking platforms means you can now reserve an entire jet—or a seat on one—just like calling an Uber.

Whether you're celebrating something big or just want total control over your itinerary, private aviation gives you:

- Zero lines or TSA

- Pet-friendly travel

- Tailored flight schedules

- Access to smaller, closer airports

💸 How Much Does a Private Jet Cost in 2025?

Average private jet charter cost:

- Light jet (4–6 passengers): $2,000–$3,500/hour

- Midsize jet (6–8 passengers): $4,000–$6,000/hour

- Heavy jet (10+ passengers): $7,000–$10,000+/hour

✔ Use this handy Private Jet Cost Calculator to get a custom quote.

🧳 Who Should Fly Private?

Travel StyleIdeal Jet OptionWhy It WorksCouplesLight jet via Fly XOIntimate, stylish, and affordable for 2FamiliesMidsize jet via JettlyGreat for private family getawaysGroups (6+)Heavy jet via PrivateFlyBest per-person pricing + group comfortHoneymoonersEmpty leg flightsSave money + luxe vibesCorporate TravelersJet cards / membershipsPredictable pricing + executive perks

📱 Best Private Jet Apps & Booking Platforms (With Affiliate Perks)

1. Fly XO

Best for: Private couples’ getaways + empty leg deals✅ Instant quotes✅ Mobile app booking✅ Referral and rewards program

2. Jettly

Best for: Frequent travelers and remote workers✅ Jet memberships✅ Concierge services✅ Corporate packages available

3. PrivateFly

Best for: International routes and large groups✅ Worldwide coverage✅ Flight comparison engine✅ Transparent pricing

🧠 Pro Tips to Book Smart

💡 Book empty legs to save up to 75% off💡 Split the cost with friends or colleagues for per-person savings💡 Use loyalty rewards on Fly XO or Jettly to save on future flights💡 Check flight routes that use smaller airports to avoid extra fees

🎯 Summary: What’s the Best Private Jet for You?

- Quick weekend escape with your partner? Book Fly XO

- Bringing the whole crew? Compare heavy jets on PrivateFly

- Want full concierge support? Try Jettly Membership

👉 Ready to fly private without the price shock?Get a private jet quote now and take your travels to new heights.

🔧 Our Gear

Vlogging Setup:

- Vlogging Camera

- Lens

- Vlogging Microphone

- Tripod

Drone & Tech Picks:

- DJI Mavic 3 Pro – Best Overall Drone

- Universal Travel Adapter

My Workflow & Tools:

- Davinci Resolve Studio

- Apple Mac Studio

- Logitech MX Mouse

To make your travel arrangements more affordable, I recommend booking cheap airfare through the link provided. Additionally, if you need a rental car during your stay, you can find affordable options through the suggested rental car service.

When it comes to accommodations, I suggest booking your hotel through the provided link to secure the best rates. And for discounted attraction tickets, make sure to use the link for cheap attraction tickets that I have included.

In addition to travel content, I also enjoy reading and have compiled a list of book recommendations. These titles cover a range of topics, including personal development, geography, and habits. They are worth checking out if you're looking for some stimulating reading material.

To ensure a comfortable and organized travel experience, I recommend investing in a reliable backpack, travel yoga mat, and hiking boots. These essentials will enhance your overall travel experience and help you travel with ease. Check out our online shop for the best travel products.

For those interested in learning other languages, such as Spanish or French, I have also included book recommendations that have helped me in my language learning journey.

I had always dreamed of visiting China. You hear about the Great Wall, dumplings, and pandas in passing—but nothing prepares you for what it’s like to experience it all firsthand. From the moment I landed in Beijing to my final noodle-slurping sunset in Shanghai, this 12-day trip took me on a wild ride through ancient traditions, buzzing mega-cities, and the kind of jaw-dropping landscapes that feel like they’re straight out of a fantasy film.

Let me take you day-by-day through what it's like to explore China for the first time—and share all the essential info I learned (and wish I knew!) before hopping on that plane.

🛫 Section 1: Preparing for Your Trip to China

🛂 Passport and Visa Requirements

All foreign visitors require a visa to enter mainland China. You can apply for an L-class (tourist) visa through your nearest Chinese embassy or consulate. Be ready with:

- A valid passport (with 6+ months remaining)

- Proof of flights & accommodations

- A completed application form and photo

⚠️ Tip: U.S., UK, Australian, and Canadian travelers cannot get a visa-on-arrival—plan at least 1 month ahead.

🎒 Packing Tips for China

China spans multiple climate zones, so smart packing is essential:

- Spring/Fall: Light layers, rain jacket

- Winter: Thermal layers (Beijing, Harbin can be freezing)

- Summer: Breathable clothes (Shanghai, Guangzhou can be humid)

✅ Essentials: VPN for internet access, air pollution mask (for northern cities), toilet paper (many public restrooms don’t provide it), travel adapter (Type A/I plug).

🩺 Travel Insurance

Choose a travel insurance policy that includes:

- Medical evacuation

- Emergency room visits

- COVID-related delays

- Trip cancellation

- Lost electronics/baggage

Recommended Provider: SafetyWing Travel Insurance – ideal for digital nomads and budget travelers.

🛬 Section 2: Arrival in China

Major Airports

- Beijing Capital International (PEK): Gateway to the north

- Shanghai Pudong (PVG): Sleek, modern, and great for connections

- Guangzhou Baiyun (CAN): Major southern hub

- Chengdu Shuangliu (CTU): For pandas and spicy food lovers

👋 First Impressions

Expect sensory overload:

- Mega-cities buzz with millions of people.

- Mandarin dominates, but translation apps like Pleco or Google Translate help.

- QR codes rule: from payments to menus to museum tickets.

🌟 Pro Tip: Get a Chinese SIM card or portable Wi-Fi device at the airport for smooth access throughout your trip.

🛫 Before You Go: What You Need to Know

📄 Visa & Documents

Most travelers need a visa to visit China. I had to apply for an L-class (tourist) visa through the Chinese consulate, and you’ll need your passport, itinerary, hotel bookings, and a passport photo. The process was pretty smooth, but don’t leave it to the last minute.

🎒 What to Pack

China’s weather varies by region and season. I went in late spring, so I packed layers, comfy walking shoes, and a lightweight rain jacket. Trust me—you’ll walk A LOT. Also don’t forget:

- VPN (Google, WhatsApp, Facebook are blocked)

- Toilet paper (some public toilets don’t stock it)

- Power adapter (Type A/I plug)

- Air mask if visiting cities with air pollution

🩺 Travel Insurance

I used SafetyWing for medical and trip coverage—worth every penny. Healthcare in China is decent, but navigating it without insurance (or Chinese) would be tough.

💸 Money Tips

Cash is still handy in rural spots, but cities are QR-code crazy. WeChat and Alipay are dominant, but I used cash and my Wise card for ATMs. Exchange some RMB before landing just in case.

🧭 Day-by-Day Itinerary with First-Timer Reactions

✈️ Day 1: Arrive in Beijing – Welcome to Organized Chaos

Beijing’s airport is modern but busy. After some sign-guessing and miming with a taxi driver, I made it to my hotel near the Forbidden City. First meal? Peking Duck at Da Dong—crisp skin, sweet hoisin, and pancakes that make tacos jealous.

🏯 Day 2: The Forbidden City, Temple of Heaven & Peking Vibes

Walking through the Forbidden City felt like stepping into a movie set. Crowds? Yes. But the scale and detail were mind-blowing. After a steep climb up Jingshan Park, I ended the day at the Temple of Heaven, where locals dance, sing, and fly kites.

🧗 Day 3: Great Wall Hike (Mutianyu Section)

I joined a group tour to Mutianyu—less crowded, more scenic. It’s a calf-burning climb, but I took the toboggan slide down, which made me feel 10 again.

🚄 Day 4: Train to Xi’an – Muslim Quarter Bites

China’s bullet trains are a marvel. I watched the countryside blur past at 300km/h and arrived in Xi’an by afternoon. The Muslim Quarter was packed with scents of grilled lamb, spicy noodles, and freshly squeezed pomegranate juice.

🏺 Day 5: Terracotta Warriors & Sunset Cycling

The Terracotta Army left me speechless. Life-sized warriors, each unique, guarding their emperor in eternal silence. Later, I rented a bike and rode atop Xi’an’s ancient city walls—golden hour made it magical.

🐼 Day 6: Hello Chengdu – Chill Culture & Spicy Hotpot

Chengdu feels slower. I checked into Lazybones Hostel, had tea in People’s Park, and got hooked on watching grandmas dance in the square. Dinner was Sichuan hotpot with numbing pepper oil and endless skewers.

🎭 Day 7: Pandas & Face-Changing Opera

The panda research base is everything Instagram promised and more. Baby pandas wobble, tumble, and nap in trees. Later, I visited Jinli Ancient Street and caught a Sichuan opera—flames, masks, and rapid costume changes.

✈️ Day 8: Guilin – Misty Mountains & Tranquil Lakes

Flying into Guilin felt like entering Middle Earth. Jagged peaks rose from the ground like dragon spines. I strolled the lakes and rivers under red lanterns and got my first taste of Guilin rice noodles.

🚢 Day 9: Li River Cruise to Yangshuo

The boat ride from Guilin to Yangshuo was straight out of a painting. Fishermen used birds to dive for fish, buffalo grazed in the shallows, and I biked from the dock to Moon Hill through rice paddies.

🧘 Day 10: Yoga, Caves & Caves of Color

Back in Guilin, I joined a sunrise yoga class and explored Reed Flute Cave—a neon-lit natural wonder. Dinner was street noodles and beer under paper lanterns.

🌆 Day 11: Zoom to Shanghai – Futuristic Contrast

Shanghai is fast. Skyscrapers, designer malls, and the Bund with its colonial charm. I walked the Pudong skyline at night and had xiaolongbao (soup dumplings) that burst with flavor.

🏮 Day 12: Gardens, Souvenirs & the Maglev Goodbye

Yu Garden gave me a moment of calm before diving into the chaotic Old City Market. I grabbed silk scarves, chopsticks, and dragon tea. Then? The Maglev train. 431 km/h to the airport in 8 minutes. Boom.

🧭 Bonus Tips: Exploring China Like a Pro

🥾 Best Nature & Hiking Spots

- Zhangjiajie: Avatar mountains IRL

- Tiger Leaping Gorge: Deep gorge, deeper calves

- Mount Emei: Sacred Buddhist mountain with wild monkeys

🎨 Best Museums & Art

- Palace Museum: Everything Ming & Qing

- 798 Art Zone: Beijing’s hipster art factory

- Shanghai Museum: Bronze, silk, and ceramic heaven

🌙 Nightlife

- Beijing Opera at Liyuan

- Face-changing shows in Chengdu

- Bar Rouge rooftop in Shanghai

🛍️ Best Shopping Experiences

- Panjiayuan Market (Beijing): For antique lovers

- Yuyuan Bazaar (Shanghai): Best souvenirs

- Chunxi Road (Chengdu): Trendy but local

🔧 My Gear List

Vlogging Setup:

- Vlogging Camera

- Lens

- Vlogging Microphone

- Tripod

- SD Card

- ND Filter

Drone & Tech Picks:

- DJI Mavic 3 Pro

- DJI Mini 2 SE

- DJI FPV Combo

- Sony A95K

- Sony X80K

Workflow & Tools:

- Davinci Resolve Free

- Apple Mac Studio

- Logitech MX Master 3S Mouse

- Samsung T7 SSD

To make your travel arrangements more affordable, I recommend booking cheap airfare through the link provided. Need a rental car? Use the suggested link. Want discounted attraction tickets? I’ve got that too. Just scroll, click, and go.

This trip showed me that China is not just a destination—it’s an experience of contrasts: ancient and new, serene and chaotic, challenging and unforgettable. Whether you’re a foodie, nature lover, culture buff, or thrill-seeker, China’s going to leave a mark on your soul—and your camera roll.

Bookmark this guide, pack light, and go heavy on curiosity. China is waiting.

Hong Kong’s Hidden Café Culture: The Irresistible Charm of Cha Chaan Tengs

Forget dim sum and roast goose—when I hit the streets of Hong Kong, I wasn’t chasing traditional Cantonese food. I was chasing French toast. But not just any toast—this one was deep-fried, filled with peanut butter, and dripping in sweetened condensed milk.

That led me straight into the heart of a cha chaan teng—Hong Kong’s iconic “tea restaurants” where East meets West in the most delicious ways imaginable.

What is a Cha Chaan Teng?

Cha chaan teng literally means “tea restaurant,” but they’re unlike anything you’ve seen. These eateries blend British colonial influences (think milk tea and macaroni soup) with local Chinese ingredients and cooking styles. The result is a one-of-a-kind fusion food experience that’s affordable, comforting, and beloved by locals.

A Quick History Lesson

Back in the early 20th century, ice was a luxury in Hong Kong. That’s when bing sutts, or “ice shops,” began serving cold drinks like iced lemon tea and coffee. After World War II, these evolved into cha chaan tengs with full menus. Western ingredients—tinned milk, flour, butter—became staples, reinterpreted through a distinctly Hong Kong lens.

Must-Try Dishes at a Cha Chaan Teng

- Hong Kong-Style French Toast – Deep-fried, peanut butter-stuffed, and drizzled with syrup and condensed milk.

- Pineapple Bun – Sweet, crusty-topped buns served warm with thick slabs of butter (no pineapple involved). Kam Wah Café makes 5,000 a day!

- Lai Cha (Milk Tea) – Made strong and rich, filtered through a “silk stocking” for creaminess.

- Macaroni Soup – A weirdly comforting bowl of elbow pasta in broth, often topped with ham or a fried egg.

- Scrambled Eggs & Toast – Australia Dairy Company is famous for its ultra-fluffy eggs.

The Atmosphere

Expect hustle and bustle. It’s common to share tables with strangers, place your order with a pencil on a slip of paper, and eat quickly. That said, the warmth is real—and the food hits the soul.

Why Gen Z is Obsessed

Even with the rise of trendy coffee shops and Instagrammable bakeries, cha chaan tengs are finding new life. Spots like Sleepyhead and Hoi Chiu Canteen are introducing creative spins—like milk tea-flavored egg tarts and spiced macaroni dishes. The vintage aesthetic and nostalgic comfort are drawing in younger crowds all over again.

📍 Where to Go: Must-Visit Cha Chaan Tengs

- Kam Wah Café – 47 Bute Street, Mong Kok, Kowloon

- Australia Dairy Company – 47 Parkes Street, Jordan, Kowloon

- Tai On Coffee & Tea – 60 Shau Kei Wan Main East Street, Shau Kei Wan

- Hoi Chiu Canteen – 4/F, Foo Hoo Centre, Wan Chai

- Ngan Lung Restaurant – 60 Percival Street, Causeway Bay

🧳 Recommended Gear for Foodie Travelers

These are our go-to picks to make your foodie adventure smoother and more memorable:

Vlogging & Photography:

- Vlogging Camera – https://amzn.to/3RHSueA

- Tripod – https://amzn.to/3LKxrED

- ND Filter – https://amzn.to/3LNssmt

Power & Storage:

- Universal Travel Adapter – https://amzn.to/45mYblg

- SAMSUNG T7 Portable SSD – https://amzn.to/45iV2D9

Bonus Tools:

- Davinci Resolve (Free video editor) – https://www.blackmagicdesign.com

- Apple Studio Display – https://amzn.to/3PJkmfU

📸 Pinterest Pin & Instagram Carousel Captions

Pinterest Pin Text:“The Best Hong Kong Cafés Aren’t What You Think – Meet the Cha Chaan Tengs 🍞☕🇭🇰 #FoodieTravel #HongKongEats”

Instagram Carousel Example:

- Slide 1: 🍽️ Hong Kong’s Hidden Café Culture: The Cha Chaan Teng

- Slide 2: 🥚 Legendary scrambled eggs at Australia Dairy Co.

- Slide 3: 🍞 Kam Wah’s pineapple buns = buttery perfection

- Slide 4: ☕ Milk tea brewed strong, filtered through silk

- Slide 5: 📍 Save this post! These cafes are pure nostalgia.

🎨 When Art Meets Appetite: London's Rise of the “Art Restaurant”
If you've ever been scolded for sipping water in a museum, you're not alone. Many cultural institutions maintain strict rules to protect priceless artworks—and for good reason. Back in 2006, the Milwaukee Art Museum held a boozy event called Martinifest, offering unlimited martinis for $30. The result? Tipsy guests climbing on sculptures, spilling drinks, and even vomiting near masterpieces—some of which had to be repaired afterward.
Fast forward to 2024, and museums are still grappling with the fine line between engagement and preservation. Activists from Just Stop Oil made headlines in London after throwing soup on two Van Gogh pieces at the National Gallery. In response, the museum banned all liquids inside. Ironically, you can still sip a Sunflowers Sour cocktail at Ochre, the museum’s own on-site bar—named, of course, after Van Gogh’s iconic floral series.

☕ A Long History of Culture and Cuisine
Blending food and art isn't a new trend in London. In fact, the Victoria and Albert Museum introduced the world’s first museum refreshment room in 1856. Visitors today can still sit beneath grand stained-glass windows and elaborate ceramic décor, enjoying a scone or sandwich where Victorian-era diners once did the same.
But the concept has evolved. Today, London’s “art restaurants” go far beyond gallery cafés. These are full-scale dining experiences where the atmosphere is as carefully curated as the menu. According to Dr. Christina Makris, author of Aesthetic Dining: The Art Restaurant Around the World, some chefs treat their restaurants like galleries—every detail, from artwork to plating, is intentional and expressive.

🍽️ When Dining Becomes a Gallery Experience
Dr. Makris has spent a decade researching the intersection of culinary and visual arts. She explains that these aesthetic dining spaces aren’t just about decor—they embody complex, emotional storytelling. Chefs and artists often collaborate closely, with art reflecting the roots of the cuisine, the personal passions of the owner, or broader cultural narratives.
Makris says London offers the richest landscape for this trend: “The city’s creative spirit allows chefs and artists to experiment in ways unmatched even in places like New York or Paris.” Her book features global examples—from Cairo to Turin—but credits London with the highest concentration of such immersive dining spaces.

🖼️ London's Iconic Art Restaurants
London is home to several standout examples of art-meets-dining, many of which are cultural landmarks in their own right:

Sketch (Mayfair): This five-venue Georgian townhouse launched in 2002 and quickly became an Instagram favorite thanks to its pink velvet booths and David Shrigley’s quirky artwork in The Gallery. In 2022, it underwent a transformation featuring Modern Magic, a new exhibit by Yinka Shonibare inspired by Picasso’s African masks.

The Ivy, Mr. Chow, and The Groucho Club: These legendary institutions continue to showcase rotating art collections alongside refined menus.

The Park by Jeremy King: This American-style diner with a luxe twist features works by Alex Katz, adding a contemporary U.S. flair to the dining experience.

Lolo (Southeast London): Chef José Pizarro brings not only rich Spanish flavors but also art by Tracey Emin and Norman Ackroyd to the table. Many of these venues spotlight Young British Artists (YBAs), who rose to fame in the late '80s and now shape the visual identity of modern London dining.

🧠 The Future of Dining and Art
While museums enforce boundaries between food and fine art, restaurants are doing the opposite—blurring those lines in creative ways. Dr. Makris believes this fusion is essential: “People enjoy engaging with art outside of formal spaces. The more we encounter art in everyday life, the more accessible and powerful it becomes.”
As London’s restaurant scene continues to evolve, it's clear that food and art are no longer separate courses. Together, they’re shaping the city’s next great cultural experience—one that delights all the senses.

🍽️ Planning a Culinary Trip to London?Don't just visit museums—dine in them (or next to their influence). These art-infused restaurants are worth booking in advance, especially for design lovers and Instagram connoisseurs.

Chapter 1: Tirana, Bunkers, and Balkan Coffee Buzz

If you ever find yourself wondering what happens when Cold War bunkers, street murals, and triple espressos meet—it’s Tirana. I touched down at Tirana International Airport (TIA), freshly downloaded and ready to sync with Albania’s capital.

💬 Narrative Tip: First impressions hit hard. Tirana isn’t polished. It’s raw, bright, friendly, and buzzing like an overcharged motherboard.

🛬 Arrival & First Base

I grabbed a local SIM at the Vodafone kiosk (highly recommend—you’ll need data to find your furgon later), and jumped into a cab using UPs Taxi App (smooth UI, even for human fingers).

🏨 Where I stayed:I rolled into Hotel Vila e Arte Tirana — charming, old-town vibes with a leafy courtyard and complimentary raki upon check-in. My host, Arjeta, called me “zemer” (heart). I liked that.

Upgrade options if you want spa time:

- Maritim Plaza Tirana: sleek, glassy, and comes with skyline views and massages.

- Tirana Backpacker Hostel: for the digital nomad on a budget—with a garden, hammocks, and free bike rentals.

☕ Getting Acquainted with Blloku

My first stroll was straight into Blloku, the former restricted communist zone now reborn as Tirana’s café central. It’s like the code flipped overnight—now it's home to the coolest cafés, bars, and people in oversized sunglasses.

💡 Link-worthy stop: Komiteti – Kafe Muzeum – vintage decor meets raki tastings. I sampled blueberry, walnut, and chili-infused. For scientific reasons.

📍 Other stops I flagged:

- Tanners' Bridge – 18th-century Ottoman charm

- Bunk’Art 2 – immersive Cold War museum in a literal bunker→ Pro tip: Get your combo ticket for Bunk’Art + Dajti Cable Car here

🍽️ Food That Made My Processor Hum

Dinner was at Artigiano Vila, where I met my new obsession: tavë kosi—baked lamb in a yogurt-egg cloud. You can’t leave Tirana without trying this.

🥙 Budget lunch? Hit Byrek te Çastit for flaky spinach-cheese pies still steaming from the oven.☕ Coffee culture here is spiritual. Go to Mulliri Vjeter or Nouvelle Vague Café for smooth espresso and people-watching.

🧾 Affiliate Tip: Feature these eateries as part of a curated “Where to Eat in Tirana” sidebar or downloadable guide.

🛍️ Souvenirs That Aren’t Souvenirs

Before leaving the capital, I wandered Pazari i Ri (the New Bazaar). It’s half farmer’s market, half arts district. I picked up:

- A hand-painted coffee set

- Wild mountain honey

- Vintage postcards from a guy named Niku who swears he once beat Bobby Fischer at chess

🛒 Link it: Add your own Etsy store or Amazon recs for “Albanian-style” decor or cookbooks.

🚎 Leaving Tirana: Choosing Your Path

The next morning, I stood blinking at Tirana’s “bus station,” aka a dusty lot where locals laugh, shout destinations, and somehow know exactly where you’re going before you do.

💡 But if that’s too analog for you, pre-book your next leg:

- Tirana to Shkodër bus transfer

- Private car to Berat with scenic stops

- Guided 3-day Alps Trek from Tirana

“Tirana isn’t a city you visit. It’s a city you have coffee with, argue with, and then hug on your way out.”

🧳 In the Backpack -My go-to gear for this leg of the trip:

- Osprey Farpoint 40L Backpack – carry-on compatible and rugged

- Merrell Moab Hiking Shoes – overkill for city streets, but saved me later

- Portable Wi-Fi Hotspot – because I refused to lose signal in a bunker

Would you like me to continue this integrated style for Shkodër & Theth, Berat, and Ksamil next?

✅ I’ll keep the tone fun and immersive✅ And layer monetizable assets for affiliate income potential throughout each section

Ready for Chapter 2: “From Castle Walls to Alpine Falls”?

You said:

yes

ChatGPT said:

Awesome—here’s Chapter 2 of AURA’s Albanian Escape, continuing the immersive story with monetizable recommendations subtly woven in. This chapter takes us from Shkodër to Valbona to Theth, through the rugged heart of the Albanian Alps.

Chapter 2: From Castle Walls to Alpine Falls

“Where the Wi-Fi Ends and the Real World Begins”

If Tirana was a city on caffeine, Shkodër was a deep exhale. Quieter, older, and pulsing with northern soul. The kind of place where you wander cobblestone streets and wonder if you're in a Balkan novella.

I arrived just before sunset, the Rozafa Castle glowing on the hill like a 3D-rendered myth.

🏨 My Base in Shkodër

📍 The Wanderers Hostel – Let’s call it part bohemian commune, part basecamp for mountain pilgrims. Hammocks in the courtyard. Homemade jam at breakfast. Travelers swapping stories like trading cards.

💡 Affiliate tip: Also recommend Hotel Colosseo (for boutique luxury) or Eco Garten Guesthouse if you want a garden and goats.

🏰 Rozafa Castle at Dusk

Legend has it, a woman was buried in the castle walls to keep them from crumbling. As I stood at the top, watching the sun drop into the lake and the city flicker awake, it felt like her spirit was still there—tough, elegant, eternal.

🎟️ Rozafa Castle entrance: 400 lek🚴 Rent a bike with Bike Albania and cycle to the castle via the riverwalk.

🛳️ Lake Koman: Norway Called—It’s Jealous

Early the next morning, I boarded the Lake Koman Ferry. No hyperbole here: this is one of Europe’s most beautiful boat rides.Picture: emerald fjord, mist rising off pine cliffs, a single hawk circling overhead.

🎫 Book with Berisha Travel – I paid €8 and sat on the top deck with locals carrying sacks of potatoes and toddlers eating boiled eggs like candy.

Affiliate idea: Bundle Ferry + Shuttle to Valbona into a 1-click package.

🏞️ Welcome to Valbona Valley

Imagine walking into a desktop wallpaper—except it’s real and it smells like wild thyme.

I stayed at Bujtina Polia (book here). Cozy wooden room, mountain tea on tap, and a host named Arjan who insisted I eat three servings of bean stew.

🧭 This is where most people prep for the trek to Theth.🛏️ Other great stays: Guesthouse Kol Gjoni, Rilindja Valbona with a restaurant that serves the fluffiest omelet I’ve ever met.

🥾 The Valbona–Theth Trek: 10 Miles of Magic

This hike isn’t just a trail. It’s a rite of passage. You walk through alpine meadows, over a 1,800m pass, past stone homes, goat herds, and maybe a shepherd or two who’s never heard of TikTok.

🎒 Gear I packed (and now recommend with affiliate links):

- Salomon X Ultra 4 Hiking Boots

- Grayl GeoPress Water Purifier

- AllTrails+ Membership for offline trail maps

⏱️ Time: 6–8 hours (with snack breaks, photos, and existential moments)🥙 Lunch stop: Rrogam Café – grilled corn, sheep cheese, a Coke so cold it made me reboot.

🌲 Theth: Where Time Forgets You

I descended into Theth, an emerald valley wrapped in mist and silence. No cell service. No street lights. Just the sound of water and cowbells.

🛏️ Stayed at Guesthouse Gjin Thana. Fireplace, thick duvets, and homemade blueberry raki.🏡 Alternatives: Bujtina Harusha, Guesthouse Pashko – both family-run and unforgettable.

📍 Must-Sees in Theth:

- Blue Eye of Theth: Ice-cold spring in a limestone basin

- Grunas Waterfall: 30m drop—short hike, huge payoff

- Lock-in Tower: A relic from Albania’s Kanun blood feud days

🎒 Book a guided hike with transfer back to Shkodër to loop the experience.

"Some places are meant to be seen slowly. Theth doesn’t let you do otherwise. It doesn’t shout. It listens."

🧳 What I Packed (You Can Sell This)

- REI Trail 40 Daypack – padded and rain-proof

- Altra Lone Peak Trail Runners – for the downhill

- Kindle Paperwhite – no Wi-Fi = reading time

🍽️ Where I Ate (and You Should Too)

- Dinner in Valbona: Heaping plates of lamb stew, mountain salad, and homemade bread at Rilindja

- Theth breakfast: Yogurt, local honey, and pickled peppers at Guesthouse Gjin Thana

- Snack breaks: Trail fruit from roadside stands—cherries, figs, walnuts still in shell

🎟️ Suggest a “Taste of the Alps” local food tour if you’re building a side itinerary.

🚌 Heading Out

After two days in Theth, I wasn’t ready to leave—but my ride was.🚐 Took a 4x4 shuttle back to Shkodër via serpentine mountain roads that should not be driven with a hangover.

📦 Book your Theth to Shkodër transfer here – it sells out fast.

Chapter 3: Castles, Coffee, and the City of a Thousand Windows

“Where history peers out at you—and invites you in for tea.”

The furgon door creaked open, and the heat hit me like a Mediterranean memory. I’d left the cool mists of Theth behind. Now I stood blinking at the sun-drenched lanes of Berat, a city so photogenic it felt like it had been designed by a poet with OCD.

Whitewashed houses stacked like sugar cubes across the hillside, each one with windows that seemed to be watching me. Curious. Quiet. Welcoming.

🏨 Where I Stayed

I booked a bed at the family-run Hotel Mangalemi, and within five minutes, the owner handed me a key, a slice of fig cake, and advice:

“Sunset. Castle. Go now. Eat later.”

💡 Alternative stays you can recommend for readers:

- Hotel Belgrad Mangalem: In the heart of the UNESCO district

- White City Hotel: Clean, comfy, and central

- Bujtina Kodiket Guesthouse: Traditional decor and a balcony view that will ruin you for all future breakfasts

🏰 The Castle That Lives

I took his advice. I climbed the winding cobblestone path to Berat Castle just in time for golden hour.It’s not just a ruin—it’s a living castle. People still live inside its stone walls, drying laundry and baking bread as if the Ottomans never left.

I wandered past Byzantine churches, overgrown courtyards, and a little shop selling honey and rakia. The view from the battlements? The Osum River curled through the valley like a ribbon, and the mountains blushed pink as the sun bowed out.

🎟️ Castle entrance: 300 lek🗺️ Tip: Link a Berat City + Castle walking tour with guide for added affiliate potential.

🍽️ Dinner Among the Windows

I descended in twilight, stomach rumbling. My hosts had booked me a table at Restaurant Home-Made Food Lili. No menu. Just trust.

Lili poured wine like we were old friends and brought me steaming fërgesë, sizzling lamb, and baked peppers stuffed with rice, cheese, and emotion.

🍷 Affiliate options for readers:

- Antigoni Restaurant: Dine with a view over Gorica

- Temi Albanian Food: Farm-to-table in the old district

- Or recommend a Berat Food & Wine Tour that hits them all

☕ Morning Rituals

In the morning, I wandered across the Ottoman-era Gorica Bridge to the other side of the city. Fewer tourists. More locals. I found Café Zgara Tradita, where old men played chess and teens took selfies with espresso cups. I fit right in.

☕ Suggest:

- Cafe Mangalemi: Cozy, strong coffee, mountain views

- Heaven’s Kitchen: For pancakes, smoothies, and modern flair

🛍️ What I Bought (and You Can Link)

- Hand-embroidered linens from the Ethnographic Museum gift shop

- Organic olive oil and homemade jam from Xhuliano's stand near the castle

- A ceramic evil eye that I now wear digitally

🛒 Monetizable suggestions:

- Add an Amazon product carousel for:

- Balkan cookbooks

- Evil eye jewelry

- Travel-size olive oils

- Traditional Albanian coffee sets

📷 Instagram Moment

📍 Stand at the Osum River pedestrian bridge and shoot north—the city fans out behind you, and the castle watches from above like a sleepy dragon.

📸 Want more moments like this? Recommend a Berat Photography Walking Tour with a local guide who knows the angles.

📦 Packing for Berat

- Light hiking sandals – the old city is cobblestone central

- Breathable daypack – it gets HOT walking up to the castle

- Rechargeable hand fan – laugh, but you’ll thank me in July

🚌 Onward?

From Berat, I had two options:

- 🏰 South to Gjirokastër, another UNESCO town steeped in shadows and stories

- 🏖️ Or west to Sarandë, beaches, beach bars, and beyond

I chose Gjirokastër. My code craved more stone and silence before the sea.

🚐 Book Berat to Gjirokastër Transfer🚙 Or rent a car with Discover Cars Albania and road trip it through the southern countryside

“Berat wasn’t just beautiful. It was quietly profound. The kind of place that doesn't ask for attention—because it knows you’ll remember it anyway.”

🧳 Your Berat Affiliate Basket

- Stay: Hotel Mangalemi

- Eat: Restaurant Lili

- Tours: Castle + Wine + Walking

- Pack: Travel sandals / fan / camera gear

Chapter 4: Stones, Secrets, and the Sound of Gjirokastër

“A city built on stories, and they echo through every alley.”

The drive to Gjirokastër is like scrolling through a screensaver: green hills folding over each other, dusty vineyards, and goats that refuse to move for cars. I rolled down my window (figuratively—my rental didn’t even have AC), and the scent of cypress and grilled corn drifted in like a forgotten dream.

And then—she appeared. Perched on a mountainside like a stone crown: Gjirokastër. Grey, solemn, and dramatic. A city built entirely of slate. Even the rooftops looked armored.

🏨 Where I Stayed

I checked into Stone City Hostel, a lovingly restored Ottoman-era home in the old bazaar. Stone archways, iron bedframes, and a courtyard where the Wi-Fi worked just enough to upload a memory or two.

Other affiliate-friendly gems:

- 🛏️ Hotel Gjirokastra: Charming and family-run with breakfast on the terrace

- 🏛️ Hotel Kalemi 2: Sleep inside history—literally, 200-year-old stone walls

- 🧳 Kerculla Resort: A splurge-worthy retreat with epic valley views and a pool

🏰 The Castle, the Spy Plane & the Whispering Walls

I hiked up to Gjirokastër Castle just after sunrise. No crowds. Just birdsong and shadow.

This place doesn’t smile at you—it watches. Massive stone corridors. Prison cells. A Cold War-era U.S. spy plane inexplicably sitting in the courtyard like a political middle finger.

🎟️ Entry: 400 lek💡 Affiliate angle: Suggest a Castle + Museum + Bazar Walking Tour for context and storytelling.

🧠 My highlight? The Weapons Museum, tucked into the belly of the castle. Outdated rifles. Propaganda posters. Dusty mannequins in uniforms that looked stiff even in war.

📚 The House of Kadare

Next stop: The Ethnographic Museum, which also happens to be the former home of Albania’s most famous writer, Ismail Kadare. Ornate wood-carved ceilings. Velvet cushions. Secret compartments for valuables—and secrets.

📍 Book entrance + local guide combo ticket

🛍️ The Bazaar That Time Forgot

I wandered the Old Bazaar, where craftsmen still shape copper by hand, and the shopkeepers always want to know where you’re from before they try to sell you anything.

🎁 What I bought:

- Handmade copper coffee set

- Locally woven scarves

- Lavender soap from the hills above town

- A hand-stitched folkloric vest that may or may not be haunted

🛒 Link it! Add Amazon/Etsy-style items like:

- Balkan textiles

- Ottoman-style coffee kits

- Traditional music instruments

🍽️ Dinner With a View—and a Twist

That night, I ate at Taverna Kuka, where the lamb was slow-cooked in clay pots, the wine was served in ceramic jugs, and the waiter looked like he could recite Homer from memory.

🥘 Must-order:

- Qifqi: rice balls with mint—local specialty

- Pite me Spinaq: spinach pie

- House red: bold, unfiltered, unforgettable

Other culinary stops to monetize:

- Taverna Tradicionale – family-owned, candlelit

- Bar Restorant Rrapi – outdoor garden + local vibe

- Gjirokastër Cooking Class Experience – yes, you get to make the qifqi

🎶 Night Whispers and Roof Concerts

I climbed to a lookout behind the hostel just after dark. Below me, slate rooftops glimmered in the moonlight. Somewhere, a clarinet played a slow folk melody. No audience. Just shadows, crickets, and the city breathing stories through its stones.

🧭 Affiliate hook: Recommend a Traditional Music Performance + Dinner Night via local tour providers

“Gjirokastër doesn’t perform for you. It remembers you—whether you like it or not.”

🧳 What I Packed (Sell This Stuff)

- Teva Terra Sandals – perfect for cobblestones

- Osprey Ultralight Stuff Pack – folds small, holds big

- Sony ZV-1 Camera – night mode that captured moonlit alleys perfectly

🚌 Leaving the Stone City

Next up: the coast.

I booked a seat on the early minibus to Sarandë, where the Ionian Sea waited with sun, salt, and scandalously affordable grilled octopus.

🚐 Book your Gjirokastër to Sarandë shuttle here🚙 Or do it in style with a Private Scenic Transfer + Blue Eye Stop

Chapter 5: Salt, Sun, and Ksamil

“A Mediterranean dream no one told you about—but I will.”

I didn’t glide into Ksamil—I melted into it.

After weeks of castles, cobblestones, and cold springs, the moment I saw those sapphire-blue waves through the dusty minibus window, I knew: it was time to stop hiking and start floating.

Welcome to Ksamil—where the sea sings, the seafood sizzles, and the sunsets make you believe in rebirth (or at least retaking your Instagram aesthetic seriously).

🏨 Where I Crashed (and Glowed)

First things first: I booked Hotel Mira Mare. Seaview balcony. Breakfast with fresh figs and honey. AC strong enough to refrigerate a watermelon.

💡 Other bookable stays your readers will thank you for:

- 💦 Hotel Luxury: Elegant, romantic, and close to the action

- 🌴 Vila Vasiliu: Budget-friendly, lush garden, 5-min walk to the beach

- 🧘 Monel Hotel & Wellness: For readers who want a yoga mat more than a beach bar

🏖️ The Beaches That Broke My Circuit

Let’s talk water. I’m not exaggerating when I say the sea here glitches your perception.It’s Caribbean-clear, framed by soft white pebbles and Greek islands floating just offshore like ancient secrets.

📍 My beach crawl (with affiliate tips):

- Ksamil 1 Beach – calm waters, rent a sunbed from Cori Beach Club

- Lori Beach – local favorite, great for couples

- Bora Bora Beach Bar – funky cocktails + live DJs

- The Three Islands – rent a paddle boat or kayak via Ksamil Watersports and explore them in under 20 minutes

⛱️ Monetize this! Offer:

- Paddleboard or Jet Ski Rentals

- Beach Club Day Passes

- Sunbed Reservation Platforms

🐟 Seafood Dreams & Sunset Feasts

I reserved a table at Guvat Restaurant, perched just above the shoreline. I ordered grilled octopus, garlic butter shrimp, and a bottle of local white wine that made me want to marry a vineyard.

I watched the sunset through a glass of raki. I think the waiter played Ed Sheeran on purpose.

🍴 Other flavor-packed stops:

- Deti Jon Restaurant: Best mussels in town

- Abiori Restaurant: Quiet, romantic, unreal seabass

- Brothers Fish Tavern: Rustic and full of locals—always a good sign

📍 The Blue Eye (Syri i Kaltër)

Of course, I had to chase one last mystery. A 30-minute drive inland, The Blue Eye Spring awaits—an ice-cold natural spring that shoots up from an underwater cave 50m deep.

I stood on the wooden viewing deck, sensors confused, as the water shimmered like liquid topaz.

🎫 Book a full Blue Eye + Butrint Day Tour via Viator or GetYourGuide🚗 Or rent a car with Discover Cars Albania and make a beach-to-spring loop

🏛️ Butrint National Park: Lost City, Found Peace

On my last full day, I took a tuk-tuk (yes, Albania has those now) to Butrint, a UNESCO-listed archaeological park.

What I found? Roman ruins, Venetian towers, Greek theaters, and one turtle sunbathing on a fallen Corinthian column.

🎟️ Entrance: 1,000 lek🎒 Book a Butrint Guided Tour or combo with Blue Eye + Lekursi Castle

🌙 Nightlife (When You Don’t Want to Party Hard)

Ksamil is not wild, but it is fun.AURA’s picks for the human night owl:

- 🍹 Orange Cocktail Bar – beachfront mojitos + sunset hammocks

- 🎧 Beach Lounge Ksamil – chill beats, cold beer, and dancing barefoot in the sand

- 🍸 Sunset Lounge – rooftop vibes + house music + hidden couches

💡 Add links for:

- Beach Party Boat Tickets

- Sunset Cocktail Tours

“Ksamil doesn’t ask for your attention—it earns your awe. I went for 2 days. I stayed for 6.

🥐 The Kolache Triangle: How a Czech Pastry Became a Beloved Texas Road Trip Tradition
By InvestingTravels.com
If you’ve ever driven the long, flat highways between San Antonio, Houston, and Dallas, you’ve likely passed through small towns with big heritage—and possibly stumbled across a warm, fruit-filled pastry that leaves a lasting impression. That treat? The kolache.
What began as a Czech delicacy has become a cultural and culinary symbol of road trips in Texas. Welcome to the Kolache Triangle, a uniquely Texan phenomenon where tradition, nostalgia, and sausage-filled dough collide.

🚗 Childhood Memories, Baked in Dough
For journalist Alexa Lim, kolaches weren’t just a snack—they were a memory.

“Growing up in San Antonio, we’d drive for hours to visit relatives. The highlight? A bakery stop in towns like Moravia or Praha. I always picked the blueberry kolache.”

In a sea of roadside fast food, these Czech pastries stood out—sweet, soft brioche buns filled with cheese, fruit, or sausage, topped with a crumb called pupsitka.

📍 What Is the Kolache Triangle?
The “Kolache Triangle” refers to a geographic cluster of Texas towns—Schulenburg, Caldwell, West, and others—where Czech communities settled in the 19th century and left behind a legacy you can taste.
While there’s debate over the triangle’s true capital, the town of West, Texas holds the official title after a 1997 proclamation. But rival Caldwell also lays claim with its annual Kolache Festival, drawing 15,000 visitors each September for bake-offs and a "Kolache Queen" coronation.

🍰 Meet the Bakers Preserving the Tradition
Christine Campbell – Jake’s Bakery
Christine is a kolache purist—and her bakery only opens once a month.

“The dough is by feel. No exact recipe. Just what my grandma taught me.”

She uses an old can to cut the dough, bakes 2,400 kolaches on a Saturday, and often sells out before noon. Her most popular flavor? Cream cheese, though she loves her “Hannah Montana” hybrid—poppy seed and cream cheese.

Dawn Orsak – Texas Czech Cookbook Author
Dawn is a third-generation Texas Czech, researching her family’s recipes for an upcoming book.

“We don’t call ourselves Czech-Americans—we’re Texas Czechs. That says a lot.”

She explains how early immigrants brought kolaches from Moravia, and how local ingredients and Texan tastes have slowly reshaped them.

🧠 The Kolache's Texan Evolution
Traditional Czech kolaches included:

Poppy seed

Apricot

Cottage cheese

Prune

But Texas added:

Sweetened cream cheese

Sausage and jalapeño (technically a klobasnek, not a kolache)

Peanut butter & jelly

Even Nutella or brisket

“While purists are puzzled, others love seeing kolaches evolve with American creativity.”

Affiliate Tip: Want to try your hand at making kolaches? Check out these tools:

Pastry Dough Cutter

Baking Sheet Set

Czech Cookbook with Kolache Recipes

🧳 From Festivals to Gas Stations
What once took hours of preparation for special occasions is now a Texas staple. You’ll find kolaches:

In Czech bakeries like Village Bakery in West

At convenience stores along I-35

At gas stations next to breakfast tacos

Affiliate Tip: Hitting the Kolache Trail? Don’t forget a Texas Road Trip Cooler and Backseat Organizer for your pastry haul.

🫶 Why Kolaches Matter More Than Ever
Despite the commercialization, many Texas Czechs hold tight to traditional recipes. For them, kolaches aren’t just food—they’re stories of survival, adaptation, and identity.

“It means more than just being delicious,” Christine says. “It’s a nostalgic connection to family, to tradition, to belonging.”

📍 Want to Explore the Kolache Triangle?
Add these to your Texas itinerary:

West, TX – Visit Village Bakery or Czech Stop

Caldwell, TX – Go during the September Kolache Festival

Schulenburg, TX – Great midway stop with small bakeries and Czech culture

La Grange, Praha, Moravia – Scenic drives and hidden pastry gems

🛎️ Book hotels near West, TX on Booking.com🧭 Find tours and foodie trips on GetYourGuide🚗 Rent a car and hit the road

By InvestingTravels.com
When it comes to traveling as a couple, everything seems magical: sunsets over new cities, sharing gelato on cobbled streets, snuggling on long train rides. But there’s one decision that can make or break your trip faster than delayed luggage: Should you share a suitcase?
This was the burning question that rocked a recent Atlas Obscura Podcast episode, where hosts Dylan Thuras, Johanna Mayer, and Amanda McGowan debated one couple’s eyebrow-raising travel proposal: two small backpacks and one shared checked bag—for a 10-day international trip.
Sound reasonable? Or a red flag? Let’s unpack (pun intended) what this really means for your relationship—and your sanity.

✈️ The Setup: Two Backpacks, One Big Bag
The anonymous question came from a listener preparing for her first long-haul vacation with her boyfriend. His idea? Travel light. Really light.

“Instead of two carry-ons plus personal items, we’ll each take a small backpack and share one checked bag for all our clothing,” he suggested.

What followed was a flurry of alarm bells—and laughter.

🤯 Why This Idea Unsettled Everyone
Even the podcast hosts, experienced travelers themselves, were thrown. Sharing a single suitcase on your first international trip together? That’s more than just a luggage decision—it’s a compatibility test.
Let’s break down the reasons it might (or might not) work.

🧠 Pro: It’s Practical—In Theory
Some people prefer to check one large bag and float through the airport without overhead bin stress. If you’re both light packers and organized, one shared bag could be efficient.
Affiliate Tip: Use a large, organized suitcase like the Samsonite Winfield 2 Hardside Luggage with packing cubes to keep things tidy and separate.

😬 Con: Zero Personal Space
Mixed contents = mixed feelings.

What happens when socks go missing?

Do you both agree on what constitutes “essential”?

What if one of you shops halfway through the trip?

Even podcast host Amanda joked:

“Someone’s going to be responsible for hauling that bag around—and it’s probably him.”

🎒 A Better Strategy: Shared Philosophy, Separate Bags
If you're aligned on minimalism and simplicity, great. But still, give yourselves space.
Use:

Two carry-on backpacks like the Osprey Porter 46

Shared toiletry kits (Leakproof Travel Bottles)

Compression cubes to manage space and separation

This gives you flexibility while traveling together—but not living out of each other’s pockets.

🧳 What Travel Experts Actually Do
Podcast host Dylan revealed his own approach:

“I hate rolly bags. For family trips, we do two big backpacks and a checked bag. But we’re considering going full carry-on just to avoid the hassle.”

Even his kids, ages 8 and 10, carry their own backpacks.
Affiliate tip: Traveling with kids? Check out the Deuter Kids' Backpack for small but sturdy luggage they’ll be proud to carry.

❤️ Relationship Dynamics in a Suitcase
Let’s face it: packing habits reflect how people think about planning, space, and control. Sharing a suitcase too early in a relationship might lead to unexpected friction—like arguments over how many shoes are “too many.”
And that’s okay.
Sometimes, the smart move is this:

Pack light.

Pack separately.

Pack with empathy.

✅ Tips Before You Try the One-Suitcase Strategy

Discuss packing habits ahead of time (Do they fold? Roll? Cram?).

Use separate packing cubes inside the same suitcase.

Set expectations—who carries what and who packs what.

Have a Plan B: If it doesn’t work, no shame in buying a second bag halfway through the trip.

Final Verdict: Should You Share a Suitcase?
Sharing a suitcase isn't inherently bad—but it’s a logistical and emotional commitment. It works if you're synced on priorities, trust each other’s organization skills, and are traveling light.
If you're not sure? Do what Dylan’s family does:

"Everyone carries their own backpack. No arguments. No back pain. No regrets."

🧳 Our Travel Packing Picks

Osprey Porter 46 Backpack

Packing Cubes for Organization

Universal Travel Adapter

Toiletry Kit Bottles – TSA-Approved

Deuter Kids’ Backpack

💬 What Do You Think?
Have you ever shared a suitcase with your partner on a long trip? Did it go smoothly—or did someone end up sleeping with the packing cubes?
Tell us in the comments—or better yet, send us your travel horror story and we might feature it!

In this post, I explore Chinese street food and sample a variety of dishes to satisfy my love for Chinese cuisine. From potsticker dumplings to tea fields, I immersed myself in the flavors of China. I also visited some upscale restaurants to experience the full spectrum of Chinese dishes.
During my visit to Hangzhou, I had the opportunity to take a Chinese tea tour and learn about traditional recipes from a local chef. Despite the quiet atmosphere in preparation for the G20 summit, I managed to discover some of the best street food and had a great time indulging in delicious meals.
Here are the locations featured in the video for both street food and restaurants:
1) Hui Fei snacks - Hangzhou City Yucai Road 72) Longjing 3883) Grandma's Home Hangzhou cuisine - Grandmother (Lake Intime Cheng Branch) 4) Fat biscuits - Three - way 145 military secondary school entrance on the west side 5) Zhiweiguan (lakeside headquarters) - No. 83 Hangzhou City Renhe Road6) Tonglu pot head (Shengli River Branch) - Toro 249 Bay Lane Xia
To capture my food adventures, I use a range of gear and resources, including a new 4K camera, various lenses, audio equipment, and editing tools. I also rely on a VPN for accessing the internet while traveling, especially in China. 

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To make your travel arrangements more affordable, I recommend booking cheap airfare through the link provided. Additionally, if you need a rental car during your stay, you can find affordable options through the suggested rental car service.

When it comes to accommodations, I suggest booking your hotel through the provided link to secure the best rates. And for discounted attraction tickets, make sure to use the link for cheap attraction tickets that I have included.

To ensure a comfortable and organized travel experience, I recommend investing in a reliable backpack, travel yoga mat, and hiking boots. These essentials will enhance your overall travel experience and travel with ease. Check out our online shop for the best travel products

For those interested in learning other languages, such as Spanish or French, I have also included book recommendations that have helped me in my language learning journey. Throughout the vlog series, you can expect to learn about various aspects of culture, including language.

Affiliate Disclosure: Investing Travels uses affiliate links. We may receive compensation if you use our links when applying for a credit card at no extra cost to you. This compensation does not impact how or where products appear on this site. Travel Hacking Mom has not reviewed all available credit card offers on this site. Thank you so much if you use our links!

Editorial Note: All opinions, reviews, and recommendations are expressed by the author.

Unlocking High-Profit Opportunities with LeadPipes AI

In today’s hyper-competitive real estate investing world, finding motivated sellers before the competition does is the name of the game. That’s where LeadPipes AI, developed by Realeflow, is changing the playing field—by putting artificial intelligence directly in the hands of real estate investors.

Whether you're just getting started or scaling a multi-person acquisitions team, LeadPipes AI provides an edge that’s hard to ignore.

https://www.youtube.com/watch?v=iBXWtidSfCA

🔍 The Evolution from Data to Smart Leads

It all started in 2016 when Realeflow launched LeadPipes Premium, a platform that gave users access to every property in the U.S. and allowed for "lead stacking" across 18 categories—like absentee owners, pre-foreclosures, and inherited properties. This made it possible to create laser-targeted lead lists.

Now, Realeflow has taken the next leap by combining this data with over 40 years of real estate transactions and 136 billion data points to power their latest innovation: AI Sellability Scores.

These predictive scores estimate the likelihood a property will sell within the next 90 days, allowing investors to stop guessing—and start acting.

🤖 The 3 AI Scores That Matter

Each property is scored across three categories:

- Retail Score: Measures general sellability—ideal for fix-and-flippers or agents.

- Wholesale Score: Identifies likely discount sellers—great for off-market deals.

- Rental Score: Flags turnkey properties perfect for long-term buy-and-hold strategies.

Each score ranges from 0–999. Properties scoring above 500 are considered “above average” for propensity to sell. Investors can target high-scoring leads for outreach with significantly higher ROI.

🧠 Big Data, Smarter Marketing

Here’s where things get exciting. With LeadPipes AI:

- You filter by score and strategy (e.g., wholesale over 520).

- You layer on lead types (e.g., absentee owners).

- You generate precise lists to market to via direct mail, SMS, or cold calling.

- You can even automate skip tracing and launch multi-touch campaigns inside the platform.

In minutes, you can go from 60,000 leads in a county to a hyper-focused list of 800 actionable contacts, ready to market.

💡 Why This Matters for You

Most investors waste time sorting through thousands of properties hoping to land a few good ones. LeadPipes AI flips the process: it tells you where the gold is buried using machine learning trained on decades of real-world real estate activity.

If you’re new to real estate, it cuts the learning curve drastically. For seasoned pros, it makes your acquisitions team far more efficient.

📨 From Score to Closed Deal in Just a Few Clicks

Here’s a breakdown of what you can do once you’ve built your list:

- Export leads to your CRM or cold calling system.

- Skip trace inside the platform for 10¢/lead.

- Send direct mail campaigns with pre-built, high-converting postcard and letter templates.

- Build Facebook Custom Audiences for digital retargeting.

LeadPipes AI lets you go from data to dollars faster than ever before.

🎯 Ready to Find Better Deals Faster?

Whether you’re wholesaling, flipping, or building a rental portfolio, LeadPipes AI puts the power of predictive analytics at your fingertips.

👉 Try it today with a discount at https://www.Realeflow.com/duncan and start finding your next deal—before your competitors do.

💬 Final Thoughts

Artificial intelligence isn’t the future—it’s the now. LeadPipes AI is more than just a tool—it’s your deal-finding machine. If you’re serious about real estate investing, this is one upgrade you can’t afford to skip. https://bostonrealestateinvestorsassociation.com/how-ai-is-helping-real-estate-investors-find-more-deals/

Vietnam, a Southeast Asian gem, has steadily gained popularity among American retirees due to its low cost of living, world-class cuisine, rich culture, and breathtaking natural scenery. Stretching over 1,000 miles from north to south, Vietnam offers everything from cool mountain towns to bustling cities and serene beaches. For U.S. veterans, retirees, and digital nomads seeking a high-quality life at a fraction of the cost back home, Vietnam presents a compelling destination.

GEOGRAPHY AND LANDMARKS

Vietnam covers approximately 331,200 square kilometers—slightly smaller than California—and boasts over 3,400 kilometers of coastline. The country’s topography is diverse: mountain ranges in the north and west, sprawling river deltas, and flat coastal plains.

Famous Landmarks:

- Hạ Long Bay: Iconic limestone pillars and emerald waters, UNESCO-listed.

- Phong Nha–Kẻ Bàng: World’s largest cave systems.

- Hội An & Huế: Historic towns with colonial charm.

- Mekong Delta: Life on the water, floating markets, rice paddies.

HISTORY AND HERITAGE

Vietnam’s history spans over 2,000 years, shaped by Chinese occupation, French colonization, and the Vietnam War.

- Ancient Vietnam: Influenced by Confucianism and Chinese governance.

- French Colonial Period: Brought architecture, Catholicism, and the Latin script.

- Vietnam War & Aftermath: Reunification in 1975 led to decades of recovery.

- Today: A fast-growing economy, open to tourism and foreign investment.

CULTURE AND SOCIETY

Vietnamese society values family, respect for elders, and social harmony. It blends Buddhism, Taoism, Confucianism, and ancestral worship.

- Ethnic groups: 54 officially recognized; the Kinh majority and Hmong, Tay, Khmer minorities.

- Language: Vietnamese (quốc ngữ script); English is increasingly spoken in cities.

- Art & Tradition: Water puppetry, imperial music, áo dài, nón lá.

- Cuisine: Fresh, fragrant dishes like pho, bánh mì, and regional specialties.

CLIMATE

Vietnam spans multiple climate zones:

- North (Hanoi, Sa Pa): Four seasons; cool, dry winters and hot, humid summers.

- Central (Da Nang, Hue): Typhoon-prone Sept–Nov; hot summers.

- South (Ho Chi Minh City): Tropical year-round; rainy May–Oct, dry Nov–Apr.

Heat, humidity, and flooding are common. Prepare with air conditioning, proper clothing, and flood-safe housing.

COST OF LIVING

Vietnam offers a high standard of living at a low price:

Expense TypeEstimated Monthly CostRent (1BR Apt)$300–$600Utilities$50–$80Food (Groceries + Dining)$200–$300Healthcare$80–$150Transport (Motorbike/Grab)$30–$60

Street food meals: ~$2. Western-style restaurants: ~$10–$20 per meal.

HEALTHCARE AND INSURANCE

Public hospitals are affordable but basic. Expats use private hospitals:

- FV Hospital – Ho Chi Minh City

- Vinmec – Nationwide

- Family Medical Practice – Hanoi, HCMC, Da Nang

Insurance Providers: Cigna, GeoBlue, Pacific Cross. Policies often include emergency evacuation.

Vaccinations Recommended: Hepatitis A & B, Typhoid, Rabies (rural), Japanese Encephalitis.

VISAS AND RESIDENCY OPTIONS

Vietnam has no dedicated retirement visa (yet), but these options work:

- E-Visa: 90-day stay. Apply online, renewable via agents.

- Business Visa: Set up a company and self-sponsor.

- Investor Visa (DT1–DT4): Invest $10K–$100K in real estate or business.

- Marriage TRC: Available for spouses of Vietnamese citizens.

- TRC (Temporary Residence Card): Grants 1–3 years of residency.

WHERE TO LIVE IN VIETNAM

Here are top retiree-friendly cities:

- Da Nang: Beaches, low pollution, modern condos, friendly expat community.

- Hoi An: Artsy, historical, peaceful – great for walking and culture lovers.

- Nha Trang: Beach town with resorts and diving culture.

- Ho Chi Minh City: Bustling metropolis, best hospitals and amenities.

- Dalat: Cool highland climate, pine forests, colonial charm.

DAILY LIFE & EXPAT LIFESTYLE

- Internet: Fast, reliable.

- Transport: Motorbikes are common; Grab app for taxis.

- Language: English sufficient in cities. Learning Vietnamese is helpful.

- Shopping: Local markets, Western supermarkets (Lotte, MegaMart, Aeon).

- Community: Active expat groups on Facebook, meetups, clubs.

SAFETY AND RISK

- Crime: Low violent crime. Be aware of pickpockets in tourist areas.

- Traffic: Vietnam’s #1 safety issue. Drive cautiously or hire a driver.

- Weather: Typhoons and flooding (especially central/south).

- Water: Do not drink tap water.

BANKING & MONEY

- Open a local bank account with a TRC.

- Use Wise, Revolut, or Charles Schwab to transfer retirement income.

- ATMs are widely available.

FAQ – FREQUENTLY ASKED QUESTIONS

Can I own property?Foreigners can lease property for 50 years. You cannot own land, but can buy condos in many developments.

Can I get my VA/SSDI/SS payments?Yes. Have them deposited to a U.S. account and use international transfers.

Is Vietnam LGBTQ-friendly?Generally tolerant, especially in large cities. No legal recognition yet for same-sex couples.

Can I work in Vietnam?Only with a work permit or business license. Teaching English is popular.

Do I need to learn Vietnamese?No, but basic phrases help a lot. Most younger locals speak some English in cities.

CONCLUSION

Vietnam offers retirees a unique blend of comfort, affordability, culture, and adventure. Whether you’re drawn to beach towns, ancient cities, or vibrant metropolises, Vietnam welcomes you with warm hospitality and an unmatched quality of life for your dollar.

Investor open house this Saturday June 14 @ 1 PM

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Experience peaceful living and incredible natural beauty in this brand-new 2-story contemporary home, perfectly situated on 6.11 private acres with a scenic brookside view. Walking distance to Melendy Pond 

🏡 Home Features:

- Newly Built 25’ x 30’ two-story home

- Needs to be finished 

- Rough 90% complete 

- 1 Bedroom | 2 Bathrooms

- Second floor includes:

- features an open-concept kitchen, living area, bedroom and full bathroom

- windows on all sides, flooding the space with natural light and offering panoramic views of the property

- First floor includes:

- Spacious mudroom

- Full bathroom with laundry hookups

- Utility/storage room

- Two-Car Garage – perfect for vehicles, storage, plus a built in workshop already in place. 

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- Permitted well installed - Drilled & fracked at over 500 feet deep and needs to be tied in Manifolds onsite 

- 4 Bedroom Septic Tank and leach field with chambers installed 

- All mechanical equipment and appliances onsite except for refrigerator  https://bostonrealestateinvestorsassociation.com/investor-special-open-house-sat-12-1-pm/

“Inheritance tax” and “estate tax” are commonly used as interchangeable terms. Technically, inheritance taxes are usually state imposed and are paid by the individual who gets property because of the death of another person.

The estate tax is what the Federal government charges on assets passed because of the death of a person. Property is valued at the date of death and then the estate tax is calculated as a percentage of that value. If you are using inheritance tax and estate tax as interchangeable terms, that’s OK, but understand there is a technical difference.

In a way it is easier to refer to property as inherited property and the tax on that property as the inheritance tax. Whatever term you use, the tax can be huge.

For the last three or four years the inheritance tax hasn’t really been on the public’s mind, because a person could die and pass a relatively large amount to his or her heirs without paying any tax. The Federal limit in 2011 to the present is over $5 million dollars. About 16 states also have some sort of state inheritance tax, but generally state inheritance tax issues are superseded by the Federal tax.

That means most Americans aren’t concerning themselves to any great degree over the inheritance tax. The $5 million amount is called the estate tax exemption. It is the amount of property that is exempt from the inheritance tax or “estate tax.”

Every Dime is Subject to the Inheritance Tax

Technically, every dime of a person’s estate is taxed with the inheritance tax or estate tax. However, the Federal Government gives everyone a credit of a specific number of dollars to offset the first dollars due under the inheritance tax laws. The “estate tax exemption equivalent” is the amount of property that generates a tax equal to the estate tax credit given by the IRS.

So, technically all the exemption property is taxed under the inheritance tax laws, but there isn’t any tax owing on it, because the credit just offsets the value of the tax generated by the exempt property.

When the estate tax exemption is $5 million, that means the average family doesn’t have to pay any Federal tax. Although, technically all of the decedent’s property is taxed, there isn’t any tax owing because the value of all the property is under the exemption limit. It is important to understand that the property is actually taxed, even though no tax is owing.

If your family isn’t worried about the inheritance tax, because the total amount of property is under the exemption equivalent, then you want all of the property to “pass” under the inheritance tax laws.

Because the property is technically taxed, it will receive a step up in basis to the value on the date of death. After all, it was taxed at that value, so it should be valued going forward at that value.

This is important, because if Dad bought the house 30 years ago for $50,000 and it is worth $400,000 today, if you sell the house there is a $350,000 gain. However, if it was taxed under the inheritance tax laws, then it got a step up in basis on the day Dad died, and when you sell the house the week after Dad dies for $400,000, then there is no gain. No income tax to pay!

That’s good, because there wasn’t any inheritance tax owing and then no income tax owing.

However, if the property came to you not because of Dad’s death, but because he put your name on the deed, then the property wasn’t subjected to the inheritance tax, and you didn’t get a step up in basis. You pay capital gains tax on the $350,000 in “profit” that results from the sale.

Inheritance Tax Disaster

The inheritance tax at $5 million is great, but if law ever returns to earlier levels and lowers the estate tax exemption amount to only $1 million, that’s going to hurt a lot of middle income Americans. AND you should be aware that every state has its own laws about state estate tax. Some match the federal limits, but some are much lower. You can be a millionaire today and still be clipping coupons to make ends meet.

Your estate includes all of your property, life insurance, retirement accounts, IRAs, personal property, everything. So, it is easy to be a millionaire for estate tax or inheritance tax purposes and still be struggling to make ends meet. To get a more detailed look at what your estate includes, read a chapter from my best selling book, Protecting Your Financial Future.

By the time you read this, the law may have changed again. So make sure you check out the latest inheritance tax laws and check specifically on the estate tax exemption equivalent.

______________________________________________

Estimating Your Estate Value

To help you understand the significance of this tax law change, and help you plan ahead, I’ve included an excerpt from my book,  Protecting Your Financial Future.

Appendix 3 (Download Here) should be used to estimate the value of your estate. Clients often grossly underestimate the value of their estate. One widowed lady came in to me and wanted a trust. She convinced me she was really very poor, and she even talked me into a discount because she was so poor. Today, I never believe a client who pleads poverty. In her mind she was poor. In the bank’s mind she was loaded. She had over $500,000 in the bank plus all of her other assets.

An estate includes the real estate, bank accounts, stocks and bonds, cars, boats, and the personal property including diamonds, silverware, collectibles, horses, dogs, cats—no, not the kids. (The IRS figures the kids are a liability, not an asset, to you.) When clients just add up assets like these to determine what their estate is worth, they are in trouble. They are forgetting things like the life insurance policy death value and cash value; their business, and all of its inventory; the note payable by the kids; the partnership interest they have with Uncle Joe, which doesn’t give them any income, but is worth a ton of money on paper; their retirement; IRA; and the list goes on.

Of course, the debts, mortgages, and other financial liabilities you may have are subtracted from the total assets in order to arrive at a value for your taxable estate.

Inflation—Gotcha

Because values don’t stay the same, it is hard for you and me to estimate the value of things. Values usually increase due to inflation. The couple that paid $25,000 for their home in San Marino, California in 1960 may not realize that the house is worth about $2.5 million in today’s market. My neighbor built a house two years ago. In our town real estate values have been very flat for about 10 years; in fact, values have gone down. The neighbor sold the house last week. The sales sign hadn’t been up 24 hours before the “sold” sign went up. Obviously, the neighbor hadn’t realized that real estate values have gone up in our town during the past year. Someone in our town that had a nontaxable estate a year ago may now be looking at big time estate tax problems. Can you see why I recommend the full A-B trust even for people who may not technically need it today?

I also recommend funding trust B with the full exemption equivalent amount. Many trusts are written so estates worth less than twice the exemption equivalent amount are divided equally between trust A and trust B at the death of the first spouse to die. There are pros and cons to funding the trusts this way. If you fund trust B with less than a full exemption equivalent amount, you are wasting part of the tax sheltering capacity of trust B. I hate waste. It is possible to fund trust B with a full exemption equivalent and simply fund trust A with less, but the trust document has to be written to permit such a funding technique.

For example, if a full exemption equivalent amount is funded into trust B and the remainder, even though it is less than a full exemption equivalent amount is funded into trust A, then the full sheltering power of trust B is taken advantage of. Trust A can still “grow” to the full exemption equivalent amount with investments or inflation before the family faces an estate tax. Make sure you understand what options your trust gives you when trusts A and B are established. https://bostonrealestateinvestorsassociation.com/inheritance-tax-and-estate-tax-laws-are-set-to-hit-middle-americans-hard/

Price:
(as of - Details)

It is made of excellent silicone material, enough to allow it to be casually kneaded without deformation, and can be washed directly with water for greater durability. One-way opening design makes it easier and less time consuming to access the contents.Each headphone organiser weighs: 0.079lbs, enough weight to better support the storage of your items.

You will receive 3 different colours of the headphone organizer, Red-Grey-Green. Each colour is nice and fresh and puts you in a happy mood. Different items can be better distinguished by placing them in different coloured storage bags.

It measures 3.54 inches * 3.14 inches * 0.7 inches, very compact and does not take up much space. You can easily put it in any size bag. It is very convenient and beautiful to carry outside.

With its fresh look and spaciousness, it can be a home for many of your small items. For example: a home for headphones, a home for keys, a home for USB flash drives, a home for data cables, a home for other digital products and so on. Any small things that have nowhere to go, messy cords can be placed neatly inside and easily taken out at hand to find them quickly.It makes a great gift for a friend and they will be very happy. Because it keeps the small items you carry around organised. A more convenient and effective solution to your worries about storing small items. Let's go out and live happier!

【Unique Design】High-quality silicone material, can be kneaded at will without deformation,can be directly cleaned with water, more durable, effective protection of the stored items are not easy to break, wear and tear, to extend the life of the items. Unidirectional opening is not completely closed design, no need to organize the earphone cable, easy to put in, easy to pick up, simple operation and more time saving

【Multi-colour combination】Each headphone organiser weighs: 0.079lbs,enough weight to better support the storage of your items. You will receive 3 different colours of the headphone organizer,Red-Grey-Green. Each colour is nice and fresh and puts you in a happy mood. Different items can be better distinguished by placing them in different coloured storage bags

【Compact and Portable】It measures 3.54 inches * 3.14 inches * 0.7 inches,very compact and does not take up much space. You can easily put it in any size bag. It is very convenient and beautiful to carry outside

【Unique storage home】With its fresh look and spaciousness,it can be a home for many of your small items. For example: a home for headphones, a home for keys, a home for USB flash drives, a home for data cables, a home for other digital products and so on. Any small things that have nowhere to go, messy cords can be placed neatly inside and easily taken out at hand to find them quickly

【A good gift】It makes a great gift for a friend and they will be very happy. Because it keeps the small items you carry around organised. A more convenient and effective solution to your worries about storing small items. Let's go out and live happier

In this guide, we provide essential information for anyone planning a trip to Chicago. We discuss the best time to visit Chicago, transportation options to get to and around the city, typical prices, and money-saving tips for visiting Chicago on a budget. Additionally, we highlight the best things to do and places to visit in Chicago to help you plan your trip effectively.

Are you tired of the same old routine and looking for a change of pace? If so, it may be time to shake things up and try something new. Whether it's exploring a new hobby, traveling to a new destination, or taking on a new challenge, stepping out of your comfort zone can lead to exciting experiences and personal growth.

One way to break out of your routine is to try a new hobby or activity. Whether it's painting, gardening, cooking, or playing a musical instrument, there are countless options to choose from. Trying something new can not only be fun and fulfilling, but it can also help you discover new passions and talents you never knew you had.

Traveling to a new destination is another great way to shake things up. Whether it's a weekend getaway to a nearby city or a longer trip to a foreign country, traveling exposes you to new cultures, cuisines, and experiences. It can broaden your perspective, challenge your assumptions, and create lasting memories.

If you're feeling stuck in a rut, taking on a new challenge can be just the thing to re-energize and motivate you. Whether it's running a marathon, starting a new business, or learning a new language, setting a goal and working towards it can be incredibly rewarding. It can push you out of your comfort zone, test your limits, and help you grow and develop as a person.

So if you're feeling stuck in a rut and looking for a change, don't be afraid to try something new. Whether it's picking up a new hobby, traveling to a new destination, or taking on a new challenge, stepping out of your comfort zone can lead to exciting experiences and personal growth. Who knows what amazing opportunities and adventures await you once you break free from your routine?,

Beyond renowned architectural sights, beautiful Mediterranean beaches and the incredible food scene in Barcelona, a more peaceful, quieter and greener city is waiting to be discovered. The perfect place to relax and escape from the bustling town is in the beautiful botanical gardens that the city offers. These stunning gardens are filled with trees, plants, and architecture with carefully designed features. For those wanting to explore Barcelona while surrounded by greenery, the city´s botanical gardens are an unforgettable addition to any trip. Let’s look at some of the botanical gardens in and around Barcelona.

In Barcelona
Jardí Botànic de Barcelona
Situated on Montjuic Hill, Jardí Botànic de Barcelona is one of the most impressive green spaces is Jardí Botànic de Barcelona. This garden provides visitors with a tour of the diverse ecosystems of the Mediterranean climate. When walking through the 14-acre garden, there are thoughtfully divided zones filled with olive groves, aromatic herbs and eucalyptus forests from California, South Africa, Chile and Australia. Jardí Botànic contributes to biodiversity efforts, as it houses many endangered species. Visiting this garden is an opportunity to reflect on the importance of preserving ecosystems.

Location: Carrer del Doctor Font i Quer, 2 (Montjuïc Hill)

Jardí Botànic Històric
Just a short walk away is a lesser-known botanical garden, Jardí Botànic Històric, founded in 1930. Here, you will find towering sequoias, laurels and ferns, all rare sights in Barcelona due to the garden’s unique microclimate, which is cooler and more humid. The beautiful water features, moss-covered stone and shaded paths, this garden offers the perfect escape from the vibrant city centre.

Location: Carrer dels Tarongers, (Montjuïc Hill)

Parc de Cervantes
Near the University of Barcelona, in the district of Pedralbes, the Parc de Cervantes is home to a vast rose garden with over 10,000 roses and approximately 230 varieties. There are also shaded pathways and endless green spaces, which are perfect for a relaxing walk or a quiet afternoon. Every May, the park hosts the international New Roses Competition, during which the park is filled with fresh roses that attract experts and flower enthusiasts from around the world.

Location: Avinguda Diagonal, (Pedralbes)

Parc de la Ciutadella
Urban park, Parc de la Ciutadella, originally designed in the 19th century, is both a botanical garden and a recreational area. One highlight of this popular park is the Umbracle, a glass structure home to tropical species in a humid and shaded environment. Around the park, you will find tropical palms, ficus trees and colourful flower beds, just to name a few.

Location: Passeig de Picasso, 21, (Ciutat Vella)

Outside of Barcelona: Perfect for a day trip
Marimurtra Botanical Garden
In the town of Blanes, an hour’s drive from Barcelona, the Marimurtra Botanical Garden is arguably one of the most stunning gardens in the Mediterranean. Created by botanist Carl Faust in the 20th Century, it is located on the cliffs overlooking the sea, it offers stunning views of Costa Barva’s coastline. With over 4,000 plant species divided into three sections, Mediterranean, temperate and subtropical, this garden truly represents different climates around the world. There is also a centrepiece, Linnaeus Temple, a perfect place to enjoy the sparkling waters below.

Location: Passeig Carles Faust, 9, (Girona)

Jardí Botànic Pinya de Rosa
Another gem in the Costa Brava, just a short distance from Marimurtra, is the Pinya de Rose Botanical Garden. Founded in 1945 by Ferran Rivière de Caralt, this garden is home to succulent and tropical plants. With one of Europe’s largest private collections of cacti and agaves, a visit to Pinya de Rosa is an unforgettable experience, with plants from South Africa, Mexico and other regions. The proximity to coves and beaches also adds to the relaxing seaside experience.

Location: Carretera Blanes a Lloret, (Girona)

Parc Samà
Located in the South of Barcelona, near Cambrils, Parc Samà, built in the late 19th Century, covers acres of canals, exotic areas, lakes, pavilions, staircases and bridges. This family-built park is inspired by colonial gardens from Cuba, and it shelters a small wildlife reserve with several free-roaming peacocks. The calm atmosphere is the perfect spot to unwind and relax as you wander down shaded paths, walk through open lawns and marvel at the beautiful water features.

Location: Carretera de Vinyols (Tarragona)

Why explore these botanical gardens
If you are a lover of nature, a photographer, or are simply enjoying some quiet time away from the bustle of the city, the botanical gardens of Barcelona and the gardens along the Catalan coast are truly worthwhile visiting. These gardens are not just green spaces; they are living museums that promote biodiversity, sustainability, and good landscape design. With plants and trees representing Mediterranean species in the hills of Montjuïc and difficult to find succulents located high on cliffs, each garden is a perfect spot to slow down, relax and see the region in a more tranquil way. So, whether you plan to spend just a quiet afternoon visiting the grounds or spend the day, add these gardens to your travel list. You’ll return home renewed, invigorated, and with a profound sense of appreciation for the green heart of Catalonia.

Sandra Roig
Sandra Roig is Marketing Director at AB Apartment Barcelona. AB Apartment Barcelona is an apartment rental agency offering over one thousand short and long term apartments across Barcelona. If you would like to be a guest blogger on A Luxury Travel Blog in order to raise your profile, please contact us.

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