Home / Retirement

Living the American Dream – Home Ownership in Ave Maria

Owning a home has many far-reaching benefits that outweigh the immediate ease of renting. Oftentimes renters don’t believe they can qualify to purchase a new home whether because of inadequate credit score, insufficient down payment funds, or lack of knowledge of the real estate market. Educating renters on how-to successfully navigate a path to new home ownership is available through the sales center representatives in Ave Maria, Florida.

First, home owners build equity instead of burning through cash. Each month you make a mortgage payment, a portion of that payment goes toward reducing the amount you owe on your loan, thereby increasing your equity. As your home increase in value, your equity increases. Renters do not experience this advantage with monthly rental payments going directly to a landlord or leasing company. If the apartment increases in value, and perhaps monthly rents increase, the renter does not realize any benefit but instead ends up paying more in rent. Your monthly mortgage payment is more stable and predictable when based on a fixed-rate mortgage while rent payments can increase subject to the landlord.

Secondly, mortgage interest and property tax payments may be deductible from federal taxes and state taxes. In the state of Florida, you can deduct your property taxes each year with a cap up to $10,000. This is a great savings on your taxes. You can also enjoy renewable energy tax credits up to 30% of the costs of approved major energy installations. To learn more about these energy efficient products please visit Energy Star website.

Building a strong credit history is another benefit of responsible home ownership. When you consistently make your monthly mortgage payments on time, lenders will see that you are a good borrower and your credit history will strengthen. This will help when applying for future loans including car loans or home improvements.

Builders in Ave Maria support the path to home ownership and throughout the year may offer incentives and assistance to new home buyers.  Contact the builder sales representatives to learn more about what special offers are going on now.

Home ownership is part of the American dream for many and living in Ave Maria with all its conveniences and amenities further expands that dream to include an incredible lifestyle for families and retirees. On-site events, town center, lifestyle director, and so much more all add up to a dream come true.

 


Summer Sunscreen Safety

With summer in full swing, you may be headed outdoors to enjoy the weather or flocking to the beach for some fun in the water. Staying out of the sun can be tough, especially when you live in Ave Maria and Southwest Florida. Whether you’re spending your time cheering on Ave Maria University athletics, splashing in the private water park, playing a game of bocce ball, tennis or a round of golf course, it’s important to stay protected.
In recognition of July being National UV Safety month, here’s some important information — along with a few tips — to keep in mind as you head outdoors.

Sun Safety
The skin is the body’s largest organ. It protects you against heat, sunlight, injury, and infection. Yet, some of us don’t consider the necessity of protecting our skin from the effect of UV rays.
According to the American Cancer Society, an estimated 5.4 million basal skin cancers are diagnosed annually, and nearly 3.3 million people are diagnosed with squamous cell skin cancers annually.

Skin Cancer Facts
• Skin cancer is the most common form of cancer in the United States
• One in five Americans will develop skin cancer during their lifetime
• A person’s risk for melanoma doubles if he or she has had more than five sunburns
• Most people diagnosed with melanoma are white men over age 50
• People who first use a tanning bed before age 35 increase their risk for melanoma by 75 percent

Unprotected sun exposure can:
• Cause skin cancer
• Cause vision problems and damage your eyes
• Suppress your immune system
• Age your skin prematurely

Protecting Your Skin
The sun’s glare is most intense at midday. Staying in the shade between the hours of 10 a.m. and 4 p.m. will further protect your skin. Ave Maria residents have access to fun activities indoors too. The community is centered around a quaint Town Center that provides residents with many of life’s necessities and plenty of shade. Friends and families gather nightly at the local pizza shop or meet up to sip a few beers at the pub. Walk indoors at the fitness center or do a little shopping at the many boutiques in town.
There are simple, everyday steps you can take to safeguard your skin from the effects of UV radiation from the sun.
• Cover Up: Wearing a hat, or other shade-protective clothing can partly shield your skin from the harmful effects of UV rays. Protective gear may include long-sleeved shirts, pants, hats, and sunglasses.
• Select the Right Sunscreen: The U.S. Food and Drug Administration’s (FDA) new regulations for sunscreen labeling recommend that your sunscreen have a sun protection factor (SPF) of at least 15 and should protect against both UV-A and UV-B rays.
• Apply the Right Amount of Sunscreen: Apply at least one ounce or a palm-full of sunscreen every two hours. You should apply it more often if you are sweating or swimming, even if the sunscreen is waterproof.

By learning about the risks associated with too much sun exposure and taking the right precautions to protect you and your family from UV rays, everyone can enjoy the sun and outdoors safely. If you are having any problems after being in the sun, be sure to talk to your healthcare provider.


SUMMER SUNSCREEN SAFETY

With summer in full swing, you may be headed outdoors to enjoy the weather or flocking to the beach for some fun in the water. Staying out of the sun can be tough, especially when you live in Ave Maria and Southwest Florida. Whether you’re spending your time cheering on Ave Maria University athletics, splashing in the private water park, playing a game of bocce ball, tennis or a round of golf course, it’s important to stay protected.

In recognition of July being National UV Safety month, here’s some important information — along with a few tips — to keep in mind as you head outdoors.

Sun Safety

The skin is the body’s largest organ. It protects you against heat, sunlight, injury, and infection. Yet, some of us don’t consider the necessity of protecting our skin from the effect of UV rays.

According to the American Cancer Society, an estimated 5.4 million basal skin cancers are diagnosed annually, and nearly 3.3 million people are diagnosed with squamous cell skin cancers annually.

Skin Cancer Facts

  • Skin cancer is the most common form of cancer in the United States
  • One in five Americans will develop skin cancer during their lifetime
  • A person’s risk for melanoma doubles if he or she has had more than five sunburns
  • Most people diagnosed with melanoma are white men over age 50
  • People who first use a tanning bed before age 35 increase their risk for melanoma by 75 percent

Unprotected sun exposure can:

  • Cause skin cancer
  • Cause vision problems and damage your eyes
  • Suppress your immune system
  • Age your skin prematurely

 

Protecting Your Skin

The sun’s glare is most intense at midday. Staying in the shade between the hours of 10 a.m. and 4 p.m. will further protect your skin. Ave Maria residents have access to fun activities indoors too. The community is centered around a quaint Town Center that provides residents with many of life’s necessities and plenty of shade. Friends and families gather nightly at the local pizza shop or meet up to sip a few beers at the pub. Walk indoors at the fitness center or do a little shopping at the many boutiques in town.

There are simple, everyday steps you can take to safeguard your skin from the effects of UV radiation from the sun.

  • Cover Up: Wearing a hat, or other shade-protective clothing can partly shield your skin from the harmful effects of UV rays. Protective gear may include long-sleeved shirts, pants, hats, and sunglasses.
  • Select the Right Sunscreen: The U.S. Food and Drug Administration’s (FDA) new regulations for sunscreen labeling recommend that your sunscreen have a sun protection factor (SPF) of at least 15 and should protect against both UV-A and UV-B rays.
  • Apply the Right Amount of Sunscreen: Apply at least one ounce or a palm-full of sunscreen every two hours. You should apply it more often if you are sweating or swimming, even if the sunscreen is waterproof.

By learning about the risks associated with too much sun exposure and taking the right precautions to protect you and your family from UV rays, everyone can enjoy the sun and outdoors safely. If you are having any problems after being in the sun, be sure to talk to your healthcare provider.


Relocating to Florida Has Many Benefits

Ave Maria Sunset

Moving to Florida? Or just beginning to think about it? Either way, there are many benefits to living in the Sunshine State besides the sunshine!

Florida is a tax friendly state. Florida has no state income tax, which means Social Security retirement benefits, pension income and income from IRAs or 401(K)s are all untaxed. Florida also has no estate or inheritance tax while property taxes are close to the national average. Many retirees and active-adults find relocation to Florida beneficial during those years when living off a pension or 401(K) come to consideration.

If you’re relocating to Southwest Florida you may still be working and wondering about employment in your new town. Ave Maria is located in Collier County, home to several large employers including NCH Healthcare System, Collier County School District, Collier County Government, Arthrex, Inc, Ritz Carlton Naples, Naples Grande Resort and John R Wood Realtors. Collier County enjoys a robust tourist season each winter resulting in increased job opportunities in this area. Hospitality and service personnel often work during season and then enjoy their summers off. Retirees looking for a part-time position can often find one during season when employers are looking for added help. The job opportunities in Southwest Florida are many and in several industries.

Connecting with the local Greater Naples Chamber of Commerce can be a helpful tool when moving to Florida. Their page, Why Live Here?, includes several awards and accolades for Naples and Collier County. Did you know we were named the Happiest, Healthiest City in the United States in a 2015 Gallup Healthways Well-Being Index? Ave Maria students are zoned for Collier County Public School District which was rated “A” by the Florida Department of Education and is the 5th highest ranked school district in the state.

Most importantly- the people of Southwest Florida are warm and welcoming, especially in Ave Maria where neighbors quickly become friends. Our golf-cart friendly community encourages walking, biking and golf carting from the supermarket to the pub and to the parks. Our Master Association hosts new homeowner events encouraging residents to meet each other and to introduce them to the new clubs available to them in Ave Maria. Discover your new life in Southwest Florida and Ave Maria today. Call 239-352-3903 for more information.

 


Ave Maria Residents Do Summer Right

Ave Maria Residents Do Summer Right

June 12, 2018

Summer is here! Longer days. Kaleidoscope sunsets. Lazy mornings. Poolside fun. Outdoor barbeques. Backyard fireworks. Ave Maria’s lifestyle is perfect for those who want to take advantage of all the best that summer has to offer.

Hands down the Ave Maria Water Park is the place to be during summer. The two waterslides are the most popular attraction along with the oversized interactive water playground. Hours of splashing for kids of all ages. Serious swimmers can practice their strokes in the lap pool and relax sore muscles in the spa. A volleyball game in the pool or on the sand? Sure! We’ve got them both. The concession stand provides snacks and drinks when you’re ready for a break from the pool. This outdoor water recreation center is one of the most popular amenities in Ave Maria.

While a round of golf is a favorite in Florida year-round, summertime is a great time to take in 9-holes during a late afternoon followed by a round of drinks at Del Webb Naples’ Panther Run Golf Club and the Rusty Putter. With a menu that includes breakfast, lunch and early evening bar bites, golfers can kick back and order their favorite pre- or post- game meal. A billiard table and outdoor patio bar are great for spending time with friends too.

Got kids? Ave Maria is home to several fun summer events right here in town. For the preschoolers, story time is held every Wednesday morning while older kids can join the Mind Benders Club every Friday. High School Game Night, Aqua Aerobics, and Ice Cream Socials are held all summer for teens and kids.
A community-wide July 4th celebration is held at the Water Park every year. All day fun in the sun for families and active adults at this ultimate warm weather bash. Living in Ave Maria has its perks, all year long, with neighbors who become friends.