"THE" Wine Meet & Greet

Join everyone in January and help bring in the New Year right at the sexiest and longest running Meet & Greet in the state with the Hottest people you’d ever want to party with!
Everyone has already rung in 2012 on the 1st now let’s take it one step further and set the tone for the rest of the year and what sexy fun it brings!
People have started making travel plans from around the country to be here each month for this M&G. It just keeps getting bigger and sexier every month and you won’t want to miss it. The last thing you’ll want to hear from your sexy friends and playmates are …”You should have been there.”
If you need Hotel accommodations check our website at http://arizonalifestyles.org for a list of hotels near Terroir Wine Pub.
So join us Saturday January 21st at the classiest and longest running Meet & Greet in the Valley for the most enjoyable first part of an evening a Lifestyler can have with their clothes on! And speaking of clothes… Dress as sexy as you dare! If you’re still in the Holiday Spirit show it!
A SPECIAL NOTE: As long as you’re having a good time the staff at Terroir will keep the place open for us so the closing time is now flexible.
ALSO: If you find yourself in the mood to have a party afterwards and you want everyone to know…let us know and we’ll get the word out for you.

WHERE: Terroir Wine Pub
7001 N Scottsdale Rd
In the Seville Shopping Center (NE corner of Scottsdale & Indian Bend)

FROM: 7PM to ???

WHEN: Sat. January 21st 2012

DRESS: Casual Sexy

Please register so we can let Terroir know how many to set up for.



KEEP THESE ON YOUR CALENDAR FOR THE NEXT FEW MONTHS TOO
FOR THIS EVENT!




1/21/12

2/18/12

3/17/12

It seems to be that time of year again where people turn inward. I don't know if the holidays have anything to do with it or simply because we're approaching the end of yet another year. I've been reading through forum posts on various swing sites and been more disappointed than usual about how selfishly egotistical many of us have become lately. The concept of swinging is to have intimate fun with people not constantly lobby for who's idea of what swinging is should be the most correct of all the ideas out there. Any thoughts on this?

While I'm Thinking About It...

So why is it that so many nudists or naturists dislike swingers so much? They tend to look down their noses at us like we're some sort of oddity they find incapable of understanding. Stranger yet are the numbers of nudists/naturists who actually are swingers. It boggles the mind.
I know upon visits to nude resorts we have encountered many couples and single women who, within a short period of time, invite us to their RV, bungalow they've rented for the week or weekend or two their private residence on the property for drinks and play. The communal showers near the pool turn into a Bacchanalian orgy once the sun goes down and the kiddies are in bed so why do they pretend to hate us so much?
One resort here in the states will go so far as to reprimand you and threaten to throw you off of the property if you even think about doing something remotely intimate much less sexual.
Is it because swingers know who they are and what they want which might make these people uncomfortable about their true self? Being naked is daring enough but being sexual is just too much for them to handle?
I just wonder.

We're Baaaaaack!

We've been away for a while dealing with life, family and medical issues. Starting today we'll be posting fun and interesting things on, pretty much, every day.
Be on the lookout and we hope you enjoy it!

Let's Talk About Wraps

I’m not talking about those things you eat when you’re trying to be healthy or avoid yeast. I’m talking about a financial tool that many people have either never heard of or have avoided because they’ve heard they’re evil and/or illegal. Some years ago that may have been true and could have very easily gotten people in a lot of trouble with their mortgage company causing them to be suddenly homeless.
This isn’t the case these days as long as you play by the rules and have people do things the right way for you. In short form here’s what a wrap is and how they work:
A wrap is an “Agreement for Sale” where the buyer agrees to complete the agreement by re-financing the property by or on a given date (typically five, seven or ten years from the date of the agreement) for the balance of the existing note at which time the buyer is given title to the property. During the agreement period the buyer has “Equity Title” to the property meaning as the property value increases during that period that value transfers to the buyer upon completion of the agreement. As an example, a property is currently worth $150,000.00 but the current owners owe $200,000.00 so an agreement is drawn up that the sellers will sell the property to the buyers for $200,000.00 with the agreement to be completed five years from the date of the agreement. At the end of that period the appraised value of the property is now $225,000.00. Once the deal is complete the buyer gets clear title to the property and $25,000 in equity right from the beginning.
What are the advantages to doing something like this? Well… if you’re a seller it would keep you from going upside down on your property causing you to walk away from it and have your credit ruined. It would also give you some positive cash flow during the agreement period. The monthly payment is based on the $200,000.00 figure so after the current mortgage payment and taxes are paid each month the difference goes to the current owner. If there was down payment money over and above all of the costs of the transaction then they have that to look forward to as well.
If you’re a buyer it means you don’t have to qualify for a loan right away giving you a chance to clean up your credit so you can qualify when the time comes. There are also tons of people like waitresses, bartenders, entertainers, sales people (and even realtors) who work on commission or a cash basis that make it difficult to qualify for a home loan. Let’s face it…most everyone has been affected by the dismal economy we’ve had to endure the past few years to one degree or another. For many people this may be the only way they can purchase a home again for many years to come. Like anything else though it’s not entirely simple and something everyone can do. It would require a buyer to come in with more cash than they might if they were trying to purchase a home these days. Typically you would come in with roughly 5% down for financing under “normal” circumstances. With a wrap that could increase 10-15% or more. A large amount of that would go to covering your transaction costs and possibly any back payments, but many sellers expect (and deserve) to see some cash in their pockets to cover their own expenses (like moving) right away.
Are there down sides to all of this? Yes, on both sides. For the sellers there’s the risk the buyers would default on the agreement. The buyers could also damage the property.
The upside to that is that it’s an agreement not a lease and no deed has been recorded yet. They can be evicted much quicker and cheaper that you can a renter (usually 30-45 days) plus you still have the house and can re-sell it again, plus you have had your mortgage paid during that time frame and picked up a little extra cash as well. A servicing company will always be mandated to receive the payment from the buyer and distribute the funds to the current mortgage, taxes, insurance and any leftover funds to the seller. This protects both buyer and seller so that no disputes arise as to whether a payment was made or not and also eliminates funds not making it to the proper places at the right time. Also the sellers would have to continue to make the homeowners insurance during the agreement period which (as noted above) would be paid through the existing mortgage servicing company.
For the buyers they need to make sure that when the time comes they can qualify for a new loan. Since it’s an agreement and they only have equity title on the house they can’t borrow money against it for any reason. They can make all of the home improvements they want to the property… just out of their own pocket. A new pool would have to wait until after the agreement is completed. Any major improvements (like an extra room) would require approval from the current owner and possibly the HOA (if there is one). Since the buyers don’t legally own the home yet they would have to have “Content Insurance” (renters insurance) to cover their personal belongings from fire and theft which is something they’d have to plan for.
If the current note is an FHA loan there are quite a few more forms that will need to be signed with the agreement but it can be done, it just takes a little longer. VA and Conventional notes are a little easier on the paperwork but all three aren’t opposed to doing wraps and neither are most lenders these days. In fact some lenders welcome them rather than have to deal with a short sale or foreclosure.
Are wraps right for everyone and/or every situation? Absolutely not, but they are right for more people than anyone might think. The best way to find out is to talk to someone like me and let us work through your personal situation. If we can’t go down that route we may be able to come up with an alternative situation.

Spring Has Sprung...Again

It seems you can always tell when Spring gets here. You don't have to look at a calendar. You don't even have to go outside or check the weather. You don't have to do much of anything really because the same things happen like clockwork every year.
We've been in this lifestyle longer than many of the people who read this blog have been alive. Yet March invariably brings out the same thing. The styles change a little as does the tactics and delivery but, what many of us who has been around for a while kiddingly call, "Swingers Spring Fever" hits.
Like the Tennyson poem claiming that when Spring arrives "...a young man's fancy turns to love." Swingers seem to turn their sights on new connections and experiences...and it isn't just the men who seem to get those urges these days. Maybe it's a way to re-connect with days gone by or maybe it's a way to obtain those days we never had for whatever reason. I don't know and I'm pretty sure it's too personal a question for everyone to want to know.
Never the less our e-mail boxes all started filling up mid-March with notes from people we haven't heard from in ages, never heard from before or, possibly, never wanted to hear from to begin with. It doesn't seem to matter if they've been around for a long time or just decided to give it a try the urge to make contact takes over us like contact junkies in trying to get their fill of an addictive drug. People suddenly forget how to read and frantically send notes to others who might have only remote similarities to themselves...but the pictures look appealing. The interests are on another planet...but the pictures look good. The age ranges are nowhere to even remotely close...but...you get the picture.
This is also the time of year where people,caught up in the momentum, try and sneak under the radar with less than honorable reasons. Single and married men used to be the culprits in years past. Single women have seldom, if ever, had to explore that tactic but, married women have closed the gap somewhat over the past few years.
Single people pretending to be in a relationship or married, married people pretending to be single, couples saying they're looking for new horizons when only one of them actually is, older pretending to be younger, not so fit pretending to be fit and so on.
As a fun example of the dozen or so we get each week this time of year. We got one from a "Single" woman who wanted to play just with the Mrs. OK...not an unusual or potentially out of bounds in our house but rather than respond back right away we did a little digging. We found her profile on three different sites with the same few pics of her (she is attractive BTW) on the site she contacted us on it was pretty straightforward. The other two, however, included deep in the profile text what she failed to mention on thatfirst site. She was in fact married, her husband would be present (preferably him only watching)when they played and if the urge struck them all he'd join in when the girls were done getting each other off. HMMMMMMMMMMM
Another was from a couple whose sexual preferences were decidedly NOT in our wheelhouse nor did they even have a pic of themselves but were convinced we'd all get along famously. Again HMMMMMMMMMMMMMMM
It was bad enough they paid no attention to the verbage in our profile but to include the note that they're not HOMOPHOBIC (no shit...in Caps)about such things to a couple, which one of them has a decidedly bisexual orientation, isn't exactly sending out a signal we'd get along at all.
C'mon people! We know your hormones and sexual urges have just come out of hibernation again but stop and think before you hit send. All you're going to do is frustrate the recipient and probably yourself. Close is one thing. Not on the radar is something else entirely. And...regardless if you're experienced, inexperienced, young, old, purple, green or whatever. Whether you like it or not...a picture still says a thousand words and since this is a lifestyle where attraction isn't necessarily the only thing, but it is the most important thing. You can come up with a million excuses why you don't post or provide pics on profiles or e-mails but the simple fact is...few, if any, are valid ones.
As for you pretenders out there...you'll discover that if you're honest you'll get respect. It may not get you all of the action you'd like to get but what you do get will be quality and might lead to bigger and better things for you much quicker...not only that...the rst of us won't have to use the DELETE button quite as much.