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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. 

               
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          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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A Winter Getaway at the Cayman Islands



The Cayman Islands are one of the Caribbean Sea's gems for people looking to getaway from the cold winter of the North.  About ninety miles south of Cuba the Grand Cayman Island is the largest and most visited of all the Islands. The other Islands called Little Cayman and Cayman Brac, are better known by the locals as the Sister Islands. They are the country of the islands.

Most visitors to the Cayman Islands usually arrive by cruise ships which have popular ports on the Islands. Some of the tourists spend their time exploring Georgetown. Most vacationers to the Cayman come for scuba diving or for the beautifuul white sands, turquoise waters, and exclusive hotels of Seven Mile Beach.

The Cayman Islands is a British Overseas Territory. GeorgeTown is the capital which has only 20,000 people. It is one of the most sought after destinations in the Caribbean.


Grand Cayman Island Places of Interest:

George Town
- the islands' capital city, the largest settlement, and the hub of commerce and tourism. It is also the location of the main ferry port. Its population is approximately  20,000 inhabitants with as many as 10,000 to 15,000 thousand additional cruise ship visitors and tourists on busy days. George Town has a small, historical downtown area with a number of attractions, shopping areas, and restaurants within a few minutes' walk from the ferry port.

Seven Mile Beach - a long stretch of white sand beach, calm turquoise waters, and exclusive luxury hotels. There are also shops and restaurants across the street. The beach itself is public and can be accessed through marked "public beach access" paths if you are not staying at one of the hotels.

West Bay - The region north of George Town on the west side of the island. Home to many Caymanian residents as well as popular tourist attractions like the Turtle Farm and the Dolphin Discovery.

Bodden Town - A smaller settlement on the south side of the island.

East End - The farthest east region of the island. Sparsely populated and home to a few resorts.

North Side - The north shore of the island, west of Frank Sound Road. Home to beachside cottage mansions, a few resorts and restaurants, and a few tourist destinations including Rum Point and Starfish point.

If You Drive:

The Cayman Islands drive on the Left side of the road just like in the UK. If you drive you must try and remember that you look to the right but you drive on the LEFT. Many foreigners get confused about driving in the Cayman Islands and some have even had fender benders while on vacation.

Another tip is that Pedestrians may find it confusing that they are honked at by passersby frequently while walking. At the Cayman Islands it is a normal occurence. While there are designated bus stops, busses (that look like small vans) are usually just flagged down by pedestrians walking along the road. So the traffic that passes by and the horn honking is simply a "heads up" local notification that a bus is approaching, in case you were looking for a ride.

more on Cayman Islands


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