Lake Buena Vista is the place to shop for all your designer goods at a cheaper cost whether it’s Nike you’re after or Tommy Hilfiger. Why not make it a day of shopping to enjoy and even visit the food court for lunch. Shops that are at Lake Buena Vista include Tommy Hilfiger and Tommy Hilfiger kids, Nike, Gap, Adidas, Dress Barn, Coach, DKNY, Dior, and much much more

Florida Mall

Turn right follow 192 down past Wal-Mart for about a good 15 mins when you get to what they call “Kissimmee gate” this is a gate thing that is on the right hand side of the street which is above the road at a main set of traffic lights.

On the left hand side at theses lights there is pc world/office world

You need to turn left down the orange blossom trail this is a very long road you will pass tub-a-ware main Depot- you would be heading towards the airport (Int) passing this under the toll bridge, pass home depot on right, carry on until you come to rooms to go which is on the right, just past this you will see signs for Florida mall – turn right you will see lots of shops if you go into any of them they lead you into the Florida mall

When you drive down the orange blossom trail you think it goes on forever which it does but with practice you will find the short cuts …lol.

Farmers Market

On Saturdays and Sundays – Farmers market – Disney stuff much cheaper to buy, come from the villa turn right onto the 192 follow the road down for a good 20 mins pass rail way on the road- and past what they call the Kissimmee Gate - pass Kissimmee airport for another 5 minutes – you will see a bridge - just past under the bridge on the left hand side Farmers Market go early lots to buy….

In between our shopping we went to the Golden Corral a lot, it is buffet style food “eat all you want for about £3.00-breakfast, £4.50 Lunch, £7.50 Evening Dinner.” Children half price, we felt it was very Good value. 

The wal-mart is less than 5 minutes in the car from our villa, Florida Lets a Dream.

We all get dressed up in our check shirts and cowboy hats. Havent got the boots as yet, always been too hot to wear.Wouldnt dream of doing this in England though! The car park is full of custom cars and some even have steer horns on the bonnets.

The arena is huge and every seat has a good view. We always try to get down to the front to watch the “cowboys” trying to mount the cattle.in the holding part as that is very nerve racking to watch. The cattle always seem very calm while they are being mounted but that soon changes.

The arena goes very quiet and then the bell goes and the gate is opened and thats when the fun begins. The cowboy only has a rope to hold onto and must only use one hand. Of course he also has no saddle so trying to stay on is doubly difficult.He has to stay on for so many seconds with out being bucked off.Many of the cowboys are thrown in the air but seem to bounce back. They then have to run as fast as they can away as the “Bull” cattle seem intent on trying to go after them.

In the arena are two huge oil cans and in each of these are two clowns in bright clothing and painted faces,  just waiting for the right time to distract the bull . They then jump out and try to distract the bulls while the cowboy escapes over the fence.The arena is now in uproar in case the bull attcks the clowns or the cowboy.

Injuries have been known to happen to these clowns and cowboys.

If you love to see a show that is authentic “American” put this on your to do list.

Don’t forget to wear your cowboy hat either. You will love it.

Kelly Park is near Apopka adjacent to Wikiwa Springs State Park which is also very popular. Turn off the I4 at exit 60 for the 429 to Apopka take exit 33 for US-441 turn left at s. Park Ave and continue on Rock springs Road. Turn right at E. kelly Park Road and follow the signs.

Just before turning right into the approach road to the park, there is a grocery store on the left and a bar on the right. The bar also hires large balck rings for floaitng on the water for a few dollars. Entry to the park is also very cheap.

It was early January when we visited but the weather was very warm. We found ourselves almost alone in the park but I’m told that it is very popular in the summer. There is plenty of car parking amongst the trees and we made for the children’s play area at first where the boys had a wonderful time. There are plenty of picnic tables amongst the trees and there is also a kiosk where they sell snacks and drinks but not in the “off” season when we were there. The shop was in the centre of the park near the water where there are also changing rooms, showers and toilets, all beatifully clean.

We entered the water where there is a sort of pool near the changing rooms. This proved to be a mistake as parts of that area are deeper and my young grandson’ns arms weren’t long enough to reach over the side of the large ring to paddle. The best thing is to enter the water further upstream when the very slow current will take you along through the area where the pool is and further downstream. The stream itself is very shallow. After the initial mishap, I walked with my graqndson in his ring and the water was mainly around waistlevel and never got above my armpits and I am only 5 foot tall. It is a bit disconcerting at first to find oneself wading through the weeds but once I realized what they were I was fine.

We ended the day in the children’s part of the pool where there is a paddling area and also a sandpit. The water was beatifully clear and the children were able to see all the little fish swimming around. It was a lovely day that cost very little but just as much of an adventure for my grandsons and going on the rides in the theme parks.

During a conversation with locals we were asked if we had ever visited one of the areas national parks. We hadn’t so we looked for information on the internet and decided to visit Blue spring national park.

The park is located about 35 miles from Orlando and the main attraction (for us) was the fresh water spring.  

The water rises from the spring at a temperature of around 20c and during the cooler months can become a temporary winter home for manatee.

The spring deposits its water into the St Johns so during the summer the manatee can still be found within the park area. The animals always nearby ready to swim back to the spring area when the cooler months return.

Within the park area is an under cover BBQ area, a supplies shop, cafe and a diving equipment hire shop (face mask flippers etc) which can be used to snorkel / swim in the area of the spring.

The spring itself is open for public use but if the temperature cools swimmers must be prepared to vacate the water for the retuning manatee.

Boat trips are available either by John boat (which last about 2 hours), The crew double up as park guides and provide information on points of interest and they are very informative, or for the more energetic and adventurous canoes or Kayaks are available to explore the St Johns river.

The park is home to numerous types of wild life and visitors can expect to come across anything from snakes to alligators.

The area is a complete contrast to the vision most visitors have to an entertainment park in Florida.

If you are looking for a day of peace and quiet and want to get back to nature a visit to Blue springs or one of the many other national parks might just do the trick.

Brian Pearson

Before my wife and I became Florida villa owners, we spent many months investigating if and where we should buy an investment property. Should the villa have a pool and / or spa, should it be close to Disney World, how many bedrooms and bathrooms should it have ?  How will I obtain a mortgage and what type of mortgage is best ?  These are just a small sample of the many questions that you will need answered before taking that final step of buying your dream Florida villa.

Florida is extremely well known for its large and beautifully designed properties, year round sunshine, many attractions, exquisite beaches and inexpensive lifestyle. We wanted a holiday home that we could enjoy with our family and also rent out to help cover the cost of the mortgage.

After many months of trawling the internet, speaking to various property companies and existing Florida villa owners we were ready to purchase our very own Disney World rental home.  We needed to select a good development area, choose our own plot and decide on the style of the property to be built.  We eventually decided on a single storey home in Kissimmee.  Once it was completed, it was everything we dreamed it would be.

You have already taken the first step toward purchasing your home by reading this article.  Though buying a property in Florida is relatively uncomplicated we still hear many stories of people who have had problems in one way or another.

Please don’t forget that the experience of buying your Florida villa should be pleasurable and exciting.  From visiting the various developments, choosing the plot and house that is right for you to finally making the purchase.

Location, location, location

The next step to buying your home requires some ground work to be done by yourself prior to arriving in Florida.  Firstly decide where you want to buy. Do you want the villa to be close to Orlando’s many theme and water park attractions or do you prefer to be near the beaches? If you prefer the beaches, do you prefer the Gulf Coast or the Atlantic Coast. 

Whichever you decide, as with all investment properties location is very important. Once you have decided on your location, you must decide the type of property, the number of bedrooms, bathrooms, pool, etc. Do you want to be on a small development or larger resort development, do you want a gated or non gated community.

And last but not least what is your budget.

Do You Need To Rent Your Property ?

This is a very important question as it will determine where you can buy. Only certain communities in Orlando are zoned for STR (Short Term Rental).  Please do not accept any verbal guarantees from salespeople regarding STR without checking in the covenants and restrictions of the developer.

One of the most important decisions you will make is choosing the development which suits your needs best. Remember not all developments allow short term rental and if you intend to rent your property this is the single most important item you must consider.

Remember the developers’ agent is acting on behalf of the builder, and is bound by law to obtain the best possible deal for the builder, not for you. Some builders and management companies offer guaranteed rental programs. These include a minimum income for an agreed period (usually 12 months) or alternatively, a minimum number of weeks booked for the year. What you are not told however is what the income will be for those weeks or what the agent will rent your property out for (for example, you may receive £350 per week but the agent is renting it out for £450 per week).

We strongly advise that if you decide not to secure rentals for the property yourself, then you thoroughly investigate any proposals presented to you from Management Companies / Letting Agents.

Our advice is that if you have the time, you market the villa yourself.  This allows you to maximise your income and makes it easier to reach that magical break even point of income versus expenditure. If we are being honest this can be quite time consuming but well worth the effort when the bookings start to come in. If you go down this route you will have to consider the costs involved in marketing your villa.

Costs could include newspaper / magazine advertising, creating your own website, listing your villa on other websites and other incidentals like business cards, flyers etc. 

Inspection Trips

We would highly recommend you look at the possibility of an inspection trip.  This can be purely for the purpose of choosing your dream home or can be combined with a holiday / vacation.

While there are benefits to both scenarios if you have limited time available and are there, purely with the inspection of properties in mind, then you are more focussed on the job in hand. However, we would recommend an absolute minimum of 4 days for an inspection visit. You will need to meet up with the Realtor to view several villas and communities, spend a few sleepless nights deciding on which property to purchase, sign contracts with the builders, pay the deposit, choose the colour of the house etc.  Decide on the shape and size of the pool and type of pool tiles, open a bank account and look at some of the furniture packages that are available. A very hectic but rewarding few days.

Alternatively If you can spare more time, it will give you extra opportunities to view a few more developments over a longer period, then take a few days to contemplate and narrow your choice down to a couple of villas before finally viewing your favourites again.

You will also have more time to investigate the local area and amenities such as shops, restaurants, banks and supermarkets to satisfy yourself the area has what you and your guests will be happy with.

Its now time to make your final decision. Should you buy a new home or a resale.

Should you decide to have your dream home newly built, you will then sign a contract with your chosen builder, leave your deposit and if you haven’t already done so open a bank account and arrange a mortgage quotation.

If you decide to purchase a resale home, then under Florida law, all that is required for a legally binding sales contract is a signed written agreement plus good faith deposit. It is therefore possible to ‘Exchange Contracts’ straight away with a Seller and virtually eliminate any possibility of your chosen property being sold elsewhere. Most written Sales contracts are conditional and you will have ample time to arrange financing, survey the property and approve legal work. If your loan is denied or the house does not pass inspection, you may withdraw without penalty. There can be any number of conditions in the contract but essentially all elements of the sale should be in writing to avoid dispute.

We would highly recommend that you use the services of a state registered realtor whether you are buying new or resale. In the U.K. we use estate agents who are normally employed by the house owner to find a buyer for their property. They then work with both the buyer and seller to agree a deal that is suitable to both. The downfall of this system is that the estate agent may withhold information about the buyer or seller which may be beneficial to the other despite the seller paying their fee. In Florida the realtor you choose can only work on your behalf and is legally bound to act in your best interest disclosing information such as - is the property worth the asking price - are there similar properties available at a better price - are there any known future developments that may affect the value of the property.

Mortgages

Many British citizens who buy a holiday home in Florida, are unsure whether to arrange a US or UK mortgage.

Most US mortgages enable you to lock into a fixed rate mortgage for up to 30 years.  In our opinion, this is the best way forward as you will always know what your monthly mortgage outgoings will be – there will not be any interest rate increases.  The only drawback is that exchange rate fluctuations will affect how many dollars you get to the £ when you transfer money over to your US bank account.  However, if you keep an eye on the rates and transfer money at the correct time, these fluctuations will not have a significant effect on your expenditure.

A UK mortgage can be arranged through several companies dealing with homes in Florida and usually offer variable rate mortgages closely linked to our own bank base rate – usually around 1.5% above base rate.  They do offer a fixed rate but usually for a maximum of 3 years.  The issue with this type of mortgage is that your repayments are always subject to interest rate increases.  Remember that if your mortgage payments increase, you cannot increase your weekly rental prices.  The upside is that your repayments are not subject to exchange rate fluctuations.

Management

Once you have purchased your Florida vacation villa, whether you intend to use it for your own personal use, or for short term rental purposes, you will most definitely need to employ the services of a reputable management company to look after your investment. In this section our aim is to advise you on the do’s and don’ts of management in Florida.

Which Type Of Management Company Should I Choose ?

The simple answer to the question above is really down to individual circumstances. In Orlando there are literally hundreds of management companies offering their services to villa owners. They vary from the very large companies with hundreds of homes on their books to the small husband and wife teams with just a few homes. Our advice, is that you look into which type of Management Company suits your personal needs and aspirations for your villa, speak to at least 3 companies and make you final decision from there.  If possible obtain recommendations from current villa owners who deal with the proposed Management Company.

What Should I Expect From My Management Company ?

Lawn maintenance, villa cleaning and inspection, pool maintenance, villa maintenance, pest control and perhaps bill payment facility

Dealing With Licencing Issues

All Florida vacation villa owners who intend to rent their villa for short term rental purposes must be properly licensed with Department of Regulation, divisions of hotels and restaurants and a Florida state agency. Before the licence is issued the property will be inspected by a Florida state agency, this will cost in the region of $150 for a single family home.

Taxes

In addition to the property taxes that every homeowner has to pay, an additional tax based on the gross rents received must be collected for any rentals of 180 days or less. This is made up of 5 or 6% Tourist Development or Resort Tax plus 6 to 7% State of Florida Sales Tax.

Therefore, a total of around 11% to 13% of gross rentals received is to be paid in State and County Taxes.  Normally these taxes are charged on top of the rents and paid by the tenants - much the same as would take place with a hotel or motel. 

However, for our homes, we include the taxes within the price we quote so that the potential guest does not receive any nasty surprises when the final rental cost is calculated.

Taxes that are collected from rental income must be submitted to the appropriate agencies on a monthly basis by the 20th of the following month, in compliance with the law. In other words, rental income received in August must be paid by the 20th of September.  By paying these taxes, you are assured that you are properly registered for State and County Tax.  It is the responsibility of the owner to declare the rental income achieved on Owner Bookings and to pay the relevant tourist tax. If your Management Company has made bookings on your behalf and taken the rental income, then it is their responsibility to ensure all taxes are paid to the relevant authorities.  However, you need to check this happens as any default on payment is YOUR responsibility.  For this reason, my wife and I pay all taxes for our properties – once again enabling us to keep strict control of our finances.

During October the Food and Wine Festival is in full swing and gives the visitor the opportunity to sample speciality dishes from, not only the cuisines of countries permanently represented in Epcot but also from several other guest countries whose temporary stands, dotted around the lagoon, cannot fail to attract those with an appetite to try something a little different.

We tend to enter the park via the International Gateway and stroll in an anti clockwise direction in the hope of timing our visit to coincide with a performance from the Japanese drummers whose energetic and rhythmic routines are truly exquisite.

This spot is also provides a great photo opportunity with the Japanese arch set against a red sky with the familiar Spaceship Earth globe as the backdrop.

We’ll probably get a quick bite to eat from one of the temporary stands, the Australian Kangaroo steaks can be recommended, and then walk towards the American Garden Theatre which probably holds around a thousand people. This is located adjacent to the Great American Adventure and is attractively set amongst trees with fairly lights suspended from their branches.

The concerts last for half an hour appeal to all tastes. Artists such as Sheena Easton, Sister Hazel and David Cassidy were all performing during the Food and Wine Festival.

The culmination of the day’s events is the Illuminations, Reflections of Earth firework spectacular which takes place every evening at nine o clock and visitors tend to claim their favourite vantage spots up to an hour before. In our opinion this just isn’t necessary because viewing all around the lagoon is more or less unobstructive.

We tend to ease our way around the United Kingdom pavilion which not only provides great views of the lagoon but also givers us the opportunity to slip quietly out of the park once the fireworks have finished.

If there is anybody reading this that hasn’t yet seen Illuminations then we can tell you that, in our opinion, this is the best firework display in Disney and should not be missed.

It was one of those places that we had read about but hadn’t really put at the top of our priority list to visit, but a chance meeting with a couple of Americans while we were waiting for the Illuminations, Reflections of Earth firework display in Epcot  helped us to change our minds.

The two Bradenton residents enthused about Anna Maria Island so vehemently that they persuaded us to take the two hour drive to the south of Tampa Bay the very next day.

This was a world away from the Orlando theme parks and really was a paradise in the sun with just about every conceivable water sport attraction within easy reach. For us, the starting point was a leisurely stroll along the pristine white sands with the occasional paddle in the crystal clear water to cool the feet. The Americans had told us this was once one of Florida’s best kept secrets and it’s not difficult to understand why.

There is a distinctly private feel to the island, almost as if you are invading the space of some of the luxury mansions complete with immaculately manicured lawns that sweep majestically down to the beach.  We were happy to mind our own business and enjoyed a period of quiet solitude amongst the sea turtles and the playful dolphins who, it seemed, were putting on a special performance just for us.

Unfortunately the secret’s well out and although you can still find your own piece of paradise, the island is now a Mecca for day trippers seeking outdoor activities and a popular destination for honeymooners and film crews. 

We certainly found walking to be quite a gentle pursuit and it enabled us to explore not only the shell lined shoreline but also to get close up and personal with a variety of tropical birds and other wildlife, all within the city limits of Anna Maria on the northern most tip of the island.

Of course, there are alternatives. The island runs a free trolley service between the three main towns of Anna Maria, Holmes Beach and Bradenton Beach so it is very easy to get around quickly. More sedate forms of transport include bike rentals which are plentiful, or if you prefer to sightsee from the water, canoes and small charters are readily available.  

We really were impressed with what we had seen and could only thank our American cousins for their recommendation. We will definitely be coming again.

We stayed in a hotel room which had no fridge and had to keep his milk in an ice bucket we were constantly topping up; we put him to bed at 7pm and sat in the dark and silence until we thought he was asleep and it was safe to put the TV on (with subtitles, because we couldn’t risk any volume), and we worried ourselves sick about how we were to find healthy child-friendly meals for him while having to eat out every single meal.

What saved our sanity was discovering the huge benefits of renting (and more recently owning) our very own villa.

The standard of villas for rent in Orlando, Florida is truly outstanding. The villas at Cumbrian Lakes are all equipped to a higher standard than our own home. The kitchens include every appliance you could need, meaning as parents we can shop at the local supermarkets and prepare and store exactly the meals that we know our toddler will eat. Villas range from three bedrooms to six (or even more) so no matter how large your family, the children can go off to a comfortable bed at their usual time, leaving you to enjoy a really relaxed evening, watching a movie, savouring an al fresco barbecue or even lapping up a soak in the spa.

In addition, the vast majority of villas have their own private pools, with child guards and child-proof alarms on the external doors, meaning you have the perfect on-site activity for all the family to enjoy. Many villas include a games room, which is ideal for older children, as well as a collection of DVDs, books and board games.

Cumbrian Lakes has its own children’s play area, three lakes which are home to baby alligators, turtles and numerous sea birds, and nature walks and bike tracks – all within a secure gated community.

There are people out there who probably balk at the idea of a holiday where you do your own cooking and washing up, but having discovered the freedom, flexibility and the standard of accommodation this style of holiday affords, we will never go back to hotels – not even after the kids leave home!

Make sure you have a go if you are an avid golfer