*** 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.
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.
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.
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Some of the Shows now playing on AMC: A very big international appeal exists for some of those shows. If you have watched AMC then you have almost certainly seen at least one of these shows.
Hell on Wheels
The Walking Dead
The Trivial Pursuits of Arthur Banks
On March 31, 2013, during the third season finale of The Walking Dead, AMC unveiled a rebranding campaign with the new tagline "Something More" and inverted the logo from a rectangular outlined box to a solid gold block with the network's acronymic name retained in the center. 2013 saw the channel's unscripted slate doubled with the additions of Freakshow, Immortalized, Owner's Manual, Showville, and Talking Bad.
Also in April, Rectify, which was originally developed for AMC, premiered on AMC's sister channel Sundance Channel to jump start that network's emerging slate of original scripted programming. It was then followed by the July announcement that fellow sister channel WE tv had picked up another series originally developed for AMC for the 2012-2013 development slate, The Divide, to series. During this timeframe, AMC had started to run marathons of certain shows and run commercials from its co-owned sister channels.
In July 2013, it was announced that the network had picked up two drama series: Halt & Catch Fire and Turn, which are set to premiere in 2014. This was the first time that AMC had four pilot orders picked up to series in the same cycle, the other two being The Divide and Low Winter Sun. The latter premiered on August 11, 2013 after the season premiere of the final season of Breaking Bad.
WALKING DEAD COMIC BOOK STORY WHICH GIVES A PLOT TO THE SHOW ON AMC:
Shot in the line of duty, Cynthiana, Kentucky police officer Rick Grimes wakes from a coma in the hospital to find his town overrun with walking corpses. Rick learns from fellow survivors Morgan Jones and his son Duane that the government told people to find safety in Atlanta, Georgia. Rick travels to Atlanta in search of his wife Lori and son Carl. He meets a scavenger named Glenn, who takes him to a small survivor camp outside the ruined city, where Rick reunites with his family.
After a fatal zombie attack on the camp, Rick criticizes its leader, his former police partner Shane Walsh, who also had an affair with Lori before Rick came. Shane pulls a gun on Rick, but is shot dead by Carl. Now de facto leader, Rick decides the survivors need to find a safer home. Upon meeting Tyreese, his daughter Julie, and Julie's boyfriend Chris, Lori reveals she's pregnant, but doesn't know if the father is Rick or Shane.
Rick’s early settlement attempts are disastrous. Donna, mother of twins Ben and Billy, is killed after the survivors move into a gated neighborhood infested with zombies. A farmer, Hershel Greene, invites the group to stay on his land, where Glenn strikes a relationship with Hershel's middle daughter Maggie, - until zombies kept in the barn break free and kill two of Hershel's children. The group's fortunes improve when they discover an abandoned prison with a zombie-proof fence.
Joined by four surviving inmates, Hershel, his remaining family, and a few friends meet along the road, Rick’s group fortifies the prison against zombies. In a suicide pact gone wrong, Julie gets shot by Chris, but then reanimates as a zombie and gets shot again by Chris. After a vengeful Tyreese kills Chris, the group learns that you don't have to be bitten or scratched to become a zombie, but can reanimate when you die without head trauma. After Rick goes to Shane's resting place to kill his reanimated body, danger comes from within: a psychotic inmate murders Hershel’s two youngest daughterswho soon gets killed by a vengeful Maggie, Rick kills another inmate during an attempted coup against his group, and one inmate decides to leave his fate to the zombies. As the last surviving inmate Axel and katana wielding suvivor Michonne are welcomed by the group, Allen, the twins' father gets bitten and dies from a long battle against blood loss from having his infected limb amputated. Increasingly erratic and brutal as he struggles to keep order, Rick steps down as the group’s leader, replaced by a committee run by him, Hershel, Tyreese, and the group's oldest and wisest member Dale.
Rick, Glenn, and Michonne, leave the prison to investigate a nearby helicopter crash and stumble upon Woodbury: a survivor town ruled by an insane tyrant called The Governor, who kills other groups of survivors to take their supplies and keep their severed heads as trophies. When his visitors won’t tell him where they came from, he imprisons them, cutting off Rick's right hand and forcing Glenn to listen to him sadistically raping Michonne. The Governor eventually allows the three to escape, hoping to tail them back home. But on her way out of town, Michonne captures, tortures and mutilates the Governor.
The prison dwellers prepare for a reprisal attack, but slip into complacency and distraction after weeks with no sign of Woodbury forces. Lori gives birth to a girl and is named Judith. Dale gets bitten on the leg but lives through having it amputated and gets a wooden peg to replace his leg. Glenn marries Maggie and “adopts” Carl's girlfriend Sophia after her mother Carol commits suicide. Dale and his 40-year younger girlfriend Andrea adopt the twins. Rick and Hershel are admiring the courtyard vegetable garden when the Governor (having been revived former Army medic Bob Stookey) and a small army rolls up to the prison fence.
Despite their better weapons and larger numbers, the Woodbury forces take heavy casualties and retreat. Convinced they will return, Glenn, Maggie, Sophia, Dale, Andrea, and the twins flee in Dale's RV. Michonne and her lover Tyreese are captured while attempting a preemptive commando strike on Woodbury. Michonne escapes into the wasteland but the Governor executes Tyreese outside the prison gate before launching his second assault.
The Governor’s forces use a tank to break down the fence and massacre the prison dwellers, killing Hershel, Axel, Lori, Judith, and many others. Rick and Carl flee to a nearby town. Zombies pour in through the broken fence and surround the Woodbury forces. One of the Governor’s soldiers Lilly Caul, shoots him in the head for making her kill Judith, before his army runs out of ammo and presumably perishes.
Rick and Carl reunite with Michonne and those who fled in the RV. These few survivors of the prison massacre wander until they join up with a trio headed to Washington, D.C. One of them, Eugene, claims to be a government scientist in radio contact with survivors in the capital.