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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.


              
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WHAT YOU CAN EXPERIENCE IN NEW ZEALAND 


New Zealand is one of the last places on Earth with a virtually unspoiled natural environment. It is home to jagged mountains, rolling pasture land, steep fiords, pristine fish filled lakes, fast rivers, beautiful scenic beaches, and several active volcanic zones.

These islands are one inhabited by flightless birds seen nowhere else such as a nocturnal, burrowing parrot called the kakapo and kiwi. Kiwi are not only one of the national symbols - the others being the silver fern leaf and koru - but also the name New Zealanders usually call themselves.

The islands of New Zealand are sparsely populated, particularly away from the North Island, but easily accessible. There are sparklingly modern visitor facilities, and transport networks are well developed with Airports throughout the country and well maintained highways. New Zealand often adds an adventure twist to nature: it's the original home of jet-boating through shallow gorges, and bungy jumping off anything high enough to give a thrill.

Māori culture continues to play an important part in everyday life and government and corporate symbolism with abundant opportunities for visitors to understand and experience both the history and present day forms of Māori life.

Some of the most popular destinations in New Zealand:

Auckland - "The City of Sails", the largest conurbation, with over a million in the metropolitan area

Hamilton - 128 km (80 mi) south of Auckland and leafy capital of the rich and fertile Waikato on the banks of the mighty Waikato River

Rotorua - famous for Māori culture, geysers and beautiful hot pools.

Napier - "Art Deco capital of NZ", destroyed by an earthquake in 1931 and rebuilt in this style. Famous as a wine region, especially Bordeaux style reds and Cape Kidnappers. Renowned golf course, gannet breeding grounds and wildlife sanctuary.

Wellington - the national capital, known as "The Windy City" - Parliament, the Beehive and the wonderful, totally free and exciting Te Papa museum.

Nelson - safe and friendly, with New Zealand's highest sunshine hours, surrounded by coastal and mountain scenery, three national parks, vineyards and orchards. Well known for its thriving arts culture and varied cuisine emphasising local produce.

Christchurch - still the "Garden City" and the "Air Gateway" to Antarctica even after the recent and continuing earthquakes. The third largest conurbation with a neat International Airport

Queenstown - adrenalin and adventure capital of the world, where you can ski, skydive, bungy jump, jet-boat, and thrill yourself to your heart's content

Dunedin - the "Edinburgh of the South", proud of its Scots heritage, chocolate factory, Southern Albatross colony and its wonderful tramping tracks all within a short drive from the CBD

The Southern Alps of the South Island are stunning and breathtaking to see. In the Mackenzie Country of Canterbury, the snow-capped jagged peaks rising above the lakes are the images seen in many calendars and backgrounds in film. New Zealand's highest peak is Aoraki Mount Cook. The lakes and mountains continue south, becoming a stunning backdrop for the towns of Wanaka, Queenstown and Glenorchy.

Another region where mountain meets water is Fiordland National Park where steep, heavily forested mountains meet the sea. The most accessibleand popular among tourists is Milford Sound. The road in is spectacular and the view even more so when you arrive.

New Zealand has several Glaciers;  the most notable are the Fox and Franz Josef glaciers in Westland National Park. These glaciers are unique in how close they get to sea level and are sustained by the enormous amount of precipitation that falls on New Zealand's west coast.

New Zealand is also a geological hotspot and has many dormant and active volcanoes, geysers and hot springs. Rotorua is a place where the smell of sulphur lets you know you're close to the action. The surrounding countryside has many parks with geysers and hot springs, and Mount Tarawera, the site of one of New Zealand's more famous eruptions, lies a short drive away.

South of Rotorua is Taupo and Lake Taupo, which was formed in a massive volcanic explosion thousands of years ago. Beyond Lake Taupo is Tongariro National Park, dominated by its three volcanoes, Tongariro, Ngauruhoe and Ruapheu. All three mountains are still active. Ruapehu last erupted in 2007 and has a crater lake that can be experienced with a trek in mouatain climbing or hiking.

North of Rotorua is Whakatane, with tours to White Island, a volcanic island just off the coast whch has smoke plumes, green crater lake and the pohutukawa trees thriving on the volcanic rock.

More on New Zealand


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