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       *** TRAVEL NEWS ***
               

If you are in the United States you should be aware of certain Travel Advisories which are given to citizens who choose to travel abroad. These advisories can affect you and may even change your travel plans. So before you go to the airport you should always check to see if your destination country is on the List of the United States Government Travel Advisories.

For more information: Check out the link below which will send you to the US Governments official website for the
latest information which includes the COVID-19 Virus travel restrictions.


https://travel.state.gov


HOW TO PAY LESS FOR FLIGHTS


1. Buy your tickets online
Buying your tickets online will actually help you save more money than buying at the airport or at an agent. Services like Google Flights or others which can be found by a simple online search.

2. Join Frequent flyers
Frequent flyer programs have a lot of benefits and some can offer discounts on future tickets after building up miles, and others may even offer free flights!

3. Not All Sales are Lowest prices
Sometimes a flight ticket may be on sale, but that doesn't necessarily mean that it is a bargain for you. Always keep this in mind because that sale could end up costing you more than other deals!

4. Check For Hidden Fees
Always check other fees for tickets that may not be listed at first sight of the price. Make sure to be aware of the price of the ticket at all times and this can be avoided. Many hidden fees are luggage or even meals.

5. Compare Ticket Prices
If you are shopping online, there are various sites you can use to compare prices for different venders of tickets.

6. Choose The Right airline
Make sure when traveling on a budget to go with the airline that is the most comfortable to your budget. Even though it may not be as popular as others, they all get you to your destination!

7. Select an  Off-Hours flight
When shopping for tickets, try to buy tickets that have flights early in the morning or late at night if you can. Sometimes these tickets can save you a bundle!

8. Buy tickets months In Advance
Try to plan your trips, if possible, months in advance to save a lot more in the long run. Sometimes, depending on where you travel, this little tip can end up saving you hundreds on your tickets.

9. Find Vacation Packages
When planning your vacations, try to purchase trip packages as they can end up saving you a ton of money in the long run. If you have the time, compare a package with the costs of buying everything separate.

10. Different Types Of Flights Help You Save
Sometimes it would be wiser if possible to purchase a flight that maybe has one stop before it reaches its final destination, instead of doing a non-stop flight. This can end up helping you save and you can even enjoy the different merchandise at the airport you stop at before your flight continues.





              WHISTLER SKI RESORT 
     AMERICA'S BEST SKI DESTINATIONS


Located in the town of Whistler in British Columbia, Canada - Whistler's Ski resort  has almost 10,000 acres of ski terrain and is one of North America's most popular ski destinations....read more


  REFINANCING YOUR MORTGAGE
         CAN SAVE YOU MONEY


Interested in refinancing home mortgage loans but not sure it makes financial sense? Learn how to crunch the numbers and make an informed financial decision rather than playing an expensive guessing game with these simple steps.

A lower interest rate can save you money each month on your mortgage and can save you thousands over the life of the loan. Is it possible to lower your debt and reduce monthly payments by taking out a new loan? Surprisingly the answer is often "yes". Learn how to get a lower interest rate by refinancing without breaking the bank.

How Refinancing Works
Refinancing basically involves taking out a new loan which is used to pay off the prior mortgage. To put it another way, the new mortgage replaces the old one. This is especially helpful when interest rates have dropped since it allows homeowners to pay off older mortgages with a high interest rate in exchange for a new mortgage with a lower interest rate.

Getting a Lower Interest
To demonstrate how effective it is to lower your interest rate by refinancing, consider an example of a buyer who purchased a home for $210,000 in 2001. The original mortgage was $200,000 for a 30 year term with a fixed interest rate of 7 percent and monthly mortgage payment of $1330. Since the original down payment was only 5 percent or $10,000 plus closing costs, they also had to pay PMI or Private Mortgage Insurance of $125 per month.

Now that mortgage rates have dropped to 5 percent or even less, the homeowner is contemplating a refinance. The current balance on the home is $180,000 and the value of the home is appraised at $260,000. Since the home has 20 percent equity and the homeowner does not intend to take cash out at closing, they will automatically save $125 per month in PMI. By refinancing at a lower interest rate of 5 percent fixed for 30 years the new mortgage payment will be approximately $965 per month ...a savings of nearly $400 plus the PMI of $125 for a total monthly savings of over $500 per month. 

               
READ MORE





          WHAT TO KNOW
  BEFORE YOU BUY A HOUSE



Most buyers conduct a lot of research online before ever stepping foot in a home. Buyers spend an average of 6 to 8 weeks, according to the National Association of REALTORS, trying to figure out where they want to live. But once the neighborhood is selected, most buyers end up buying a home after 2 or 3 home tours.

Figure out what you can afford before you look. Get pre-approved for a home loan before your home search so that you don’t waste time on those that you can’t afford. Scour your credit history and resolve any black marks before applying for a home loan.

Homes typically should cost about two and a half times your salary as a rule of thumb, although you also must consider your monthly expenses and what you want to save. Because you will be responsible for unforeseen repairs and property taxes, a healthy amount of savings can come in handy.

Beware of mortgage brokers who are a little too fast and loose with approving you. If you qualify, you may be able to make a down payment as low as 3 percent interest. Paying down “points” is good for those living in a home for three to five years, as it takes a dent out of the interest rate as you pay a portion of the interest at closing.


              
READ MORE





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FACTS ABOUT NEW YORK
JFK INTERNATIONAL AIRPORT


JFK international airport is located on Jamaica Bay in the southeastern section of Queens County, New York City. The airport is located 15 miles by highway from midtown Manhattan. It is run by the Port Authority of New York and New Jersey, under a lease with the City of New York since June 1, 1947. In 2004, the Port Authority and the City of New York concluded an agreement that ensures the Agency's continued operation of JFK and LaGuardia airports through 2050.

JFK has six operating airline terminals, surrounded by a dual ring of peripheral taxiways. More than 125 aircraft gates serve the terminals. The Central Terminal Area also includes a central heating and air-conditioning plant.

JFK airport has an AIRTRAIN which opened in 2003, the light-rail service AirTrain connects JFK with the Long Island Rail Road (LIRR) and New York City subway and bus lines.  At the airport, AirTrain provides fast, free connections between terminals, rental car facilities, hotel shuttle areas, and parking lots.  In 2012, 5.7 million passengers used AirTrain JFK.  Recent improvements include digital signage; expanded closed-circuit televisions; track, switch, and third-rail heaters to improve reliability in cold weather; and a digital audio recording system for monitoring critical communications in real time.

JFK is one of the world's leading international air cargo centers. The airport offers nearly 4 million square feet of modern, state-of-the-art cargo warehouse and office space. The entire air cargo area is designated as a Foreign-Trade-Zone. JFK serves the world's key air cargo markets though a strong mix of long-haul, direct and nonstop all-cargo aircraft and wide-body passenger aircraft flights.

JFK covers 4,930 acres, including 880 acres in the Central Terminal Area. JFK’s terminals, parking lots and hotels operate 24 hours a day, 365 days a year and cover more than 880 acres.  The airport has more than 30 miles of roadway. About $150 million was expended on original construction. The Port Authority has invested about $7 billion in the airport.

JFK airport contributes about $30.6 billion in economic activity to the New York/New Jersey region, generating approximately 213,000 total jobs and about $11.3 billion in wages and salaries. Roughly 35,000 people are employed at the airport.

Total runway length is nine miles. Taxiways total 25 miles in length. All runways have high-intensity runway edge lighting, centerline and taxiway exit lighting and are grooved to improve skid resistance and minimize hydroplaning. A 500-foot by 150-foot aircraft arrestor bed has been installed at the end of Runway 4R, the first such arrestor bed in the world. In addition, the Bay Runway reconstruction project expanded 13R-31L from 150 to 200 feet wide in 2011.

When arriving to the airport by car be assured you will find a parking spot in the 15,000 parking-spaces available in a variety of places, including: multi-level parking garages, surface spaces in the Central Terminal Area, a long-term parking and cell phone lot. A reservation system was introduced in 2011.

Ways to Pay for Parking
Pay for on-airport parking using cash, credit, debit or E-ZPass. To save time and exit quickly, use your credit or debit card at an Express Pay machine or have E-ZPass Plus activated on your E-ZPass tag and pay in the designated lane when exiting a lot.

Passenger Drop-off and Pick-up
There is no parking in front of or next to any of the terminals, not even for a moment. Terminal frontages are for active loading and unloading only. Unattended vehicles will be towed at the owner's expense.

When dropping off or picking up a passenger, we recommend you park your vehicle in one of their parking garages.

As an alternative for those picking up a passenger, we also recommend using their free Cell Phone Lot. This lot is located less than five minutes from all terminals and provides a convenient place to wait for arriving flights, while helping to keep traffic at the airport moving smoothly.

If you choose to enter the terminal with the passenger, please be aware that only ticketed passengers will be allowed past the security checkpoint. However, you may enjoy any of the areas before security.

As an alternative, you may drop off your passengers at the Kiss and Fly located at the Lefferts Boulevard AirTrain Station where they can ride AirTrain free of charge to their terminal in just 10 minutes.

Electric Vehicle Charging
Air travelers who own electric vehicles can charge them at Kennedy International.

There is a wide variety of hotels and motels conveniently located near JFK - many of which offer hotel courtesy shuttles. To connect with a courtesy shuttle, take AirTrain to Federal Circle Station.

Take the following steps to ease your travel experience during the Holiday season:

-Leave additional travel time to get the airport and clear security
-Reserve parking in advance
-Consider using public transportation
-Take advantage of our Parking coupons
-Have appropriate ID and your boarding pass out and ready to go. Standard screening requires that you take your laptop out of your bag.
-Follow the 3-1-1 liquids rule. Wear shoes you can get off and on easily.
Make sure to check the TSA guidelines if you have questions on what you are able to pack.


go to JFK Airport
see their Twitter feed @JFKairport



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