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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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HEATHROW INTERNATIONAL AIRPORT TIPS




Heathrow Airport is used by over 90 airlines flying to 170 destinations worldwide. The airport is the primary hub of British Airways, and is a base for Virgin Atlantic. With 190,000 passengers arriving and departing every day, Heathrow handles more international passengers than any other airport in the world.

Of Heathrow's 69 million passengers in 2011, 7% were bound for UK destinations, 41% were short-haul international travellers and 52% were long-haul. The busiest single destination in passenger numbers is New York, with over 3.8 million passengers between Heathrow and JFK / Newark airports in 2011. The airport has five passenger terminals (numbered 1 to 5) and a cargo terminal.

Full body scanners are now used at the airport, and passengers who object to their use after being selected are not allowed to fly. These display passengers' bodies as a cartoon-style figure, with indicators showing where concealed items may be. The new imagery was introduced initially as a trial in September 2011 following complaints over privacy.

Hand luggage restrictions at Heathrow airport:
Hand luggage at Heathrow airport
Only one piece of hand luggage with most airlines
Maximum size for most airlines: 56cm x 45cm x 25cm
You can take a handbag as well as your hand luggage
Liquids are permitted in containers of up to 100ml
They must fit into one transparent resealable bag no bigger than 20cm x 20cm
Anything bought after security is allowed on the plane

One of the latest security rules include turning on electronic devices to see if they work normally. If you are flying to the US please make sure any of your electronic devices are charged before you travel. If your device does not switch on you may not be allowed to bring it onto the aircraft. For more information visit https://www.gov.uk/hand-luggage-restrictions

Heathrow's Terminal 2 closed for renovations in late 2009 after nearly 60 years of operation. The new and improved Terminal 2 is due to reopen in 2014.

Heathrow Airport Arrivals can be found on the ground floor of Terminals 1, 3, 4 and 5. After you leave the aircraft, you'll pass through passport control, baggage reclaim and Customs. In the arrivals hall, you'll find shops, restaurants, currency exchange, car rental and hotel reservation desks.

Heathrow Airport departures can be found on the first floor of Terminals 1 and 2, the ground floor of Terminal 3 and the top floor of Terminal 5. All passengers must clear security control before entering the departure lounge, where you'll find shops, bars and cafes.

The Heathrow Express is the fastest way to travel into Central London. Trains leave every 15 minutes and the journey takes about 20 minutes. Trains to London leave Heathrow Airport from approximately 5am until 11.45pm. Standard adult fares are £21 for a single ticket purchased online or at a ticket office/machine (or £26 when purchased onboard).

Heathrow Connect services run from London Paddington, calling at Ealing Broadway, West Ealing, Hanwell, Southall, Hayes & Harlington and Heathrow Central (Terminals 1 and 3). For Terminals 4 and 5, there's a free Heathrow Express transfer service from Heathrow Central. Heathrow Connect journey time is about 25 minutes from Paddington to Heathrow Central and adult single tickets cost £9.50.

There are usually taxis queuing for customers at London's airports. Only use a black cab or reputable minicab and never use unauthorised drivers. Ask the driver or minicab company how much your journey will cost beforehand. A metered trip in a black cab to/from Central London generally costs from £50 to £80 and takes 30 minutes to one hour. All Heathrow Terminals have an approved taxi desk and authorised taxi rank.

for more info go to Heathrow Airport




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