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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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LOS ANGELES THE CITY OF ANGELS


Los Angeles is a beautiful place to visit and has millions of visitors each year. The Los Angeles area stretches 40 miles (64 kilometers), from 5,000-foot (1,500-meter) mountains to the Pacific, and claims 467 square miles (1,209 square kilometers). That's 20 Manhattan Islands, or ten San Franciscos, or two Chicagos. Within a three-hour drive you can ski, hike alpine wilderness, fly cast, or surf.

Even bigger is the Angeleno concept of L.A., which annexes adjoining self-governing municipalities. Thus Santa Monica, Beverly Hills, Culver City, and Malibu are seen as nice neighborhoods belonging to the Big Pueblo. Ditto Burbank and the San Fernando Valley, where the ditsy dialect known as Valley Girl arose.

Some of the things you can see and do while in LA:

The amazing Los Angeles nightlife offers endless entertainment options, whether it’s a quiet drink with that special someone or dancing the night away with thousands of fellow party people. Downtown LA's vibrant nightlife includes L.A. LIVE and numerous bars and nightclubs. In Hollywood you can go out and dress to impress at Drai’s and The Colony. Universal CityWalk Hollywood has everything from the Hard Rock Cafe to the dueling pianos of Howl at the Moon. LA bartenders create some of the best cocktails in the country at top bars, restaurants and hotels. Laugh it up at the Hollywood Improv Comedy Club or the Laugh Factory.

Want to see LA from the air? Take a Celebrity Helicopter Tours:
Stunt helicopter pilot Robin Petgrave's (Broken Arrow, The Circuit) popular tours fly a maximum of three up the coastline, over Beverly Hills, Bel-Air, Brentwood, Hollywood, and the sparkling Hollywood Reservoir. See Aaron Spelling's 21-car garage, and Eddie Murphy's new 77,000-square-foot mansion from the air-without privacy gates or hedges, says Petgrave. In an ironic twist: proceeds go towards a worthy cause-a Compton-based children's flight program. www.celebheli.com

The Getty Center Los Angeles
"LA's fabulous outdoor living room that happens to have some old art."-Matthew Flynn, co-author, Fodor's L.A. Perched high above Los Angeles, Richard Meier's architectural triumph of travertine and white granite contains European and American art, sculpture, and manuscripts. Better still, go for the hilltop vistas of mountains, ocean, the span of the city, and the white Hollywood sign. Happenings include a summer outdoor concert series. Admission is free, though parking is $8. 1200 Getty Center Dr.; tel. +1 310 440 7300; www.getty.edu

Hollywood
"Often considered intimidating, this city is an amalgamation of everything from the indie hipster to the obnoxious socialite."-Rebecca Brown. Don't miss the Walk of Fame (hand and footprints of the stars), Grauman's Chinese Theater (over-the-top pagoda), the Egyptian Theater (art deco behemoth now hosting classy retrospectives), El Capitan Theatre (Disney screening venue with ornate, authentic detail), and the Erotic Museum (small but interesting).

Huntington Library
Stately museum housing American and European paintings and decorative art. The highlight is outside: 120 acres of exquisitely manicured gardens, including an extensive desert garden with countless otherworldly aloe plants, a sprawling Japanese garden with arched bridges and bonsai trees, wild Australian parkland, and a children's garden. Massive new Chinese garden opened in 2008. 1151 Oxford Rd., San Marino; tel. +1 626 405 2100; www.huntington.org

Malibu
"Ultimate insider's beach community. Billionaires and beach bums sharing sand."-Matthew Flynn. 21 miles of precarious coastline. The marshy Malibu Lagoon State Beach is ideal for bird-watching or surfer-watching; the Malibu Pier makes for a rustic fisherman's sunset perch; and Zuma Beach is paradise for sunbathers and volleyball players.

Fact:
Nicknamed the City of Angels, Los Angeles is a global city, with strengths in business, international trade, entertainment, culture, media, fashion, science, sports, technology, education, medicine and research and has been ranked sixth in the Global Cities Index and 9th Global Economic Power Index. The city is home to renowned institutions covering a broad range of professional and cultural fields and is one of the most substantial economic engines within the United States. T

he Los Angeles combined statistical area (CSA) has a gross metropolitan product (GMP) of $831 billion (as of 2008), making it the third-largest in the world, after the Greater Tokyo and New York metropolitan areas. Los Angeles includes Hollywood and leads the world in the creation of television productions, video games, and recorded music; it is also one of the leaders in motion picture production. Additionally, Los Angeles hosted the Summer Olympic Games in 1932 and 1984.




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