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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 VISIT TO TORONTO CANADA


Toronto is one of the most accessible cities in North America. It is only a one hour drive away for about five million Canadians and within a 90-minute flight for 60 per cent of the U.S. population.

Once you arrive in Toronto, the city is easy to navigate with a strong grid street layout, one of the most extensive public transit systems in North America and a large number of attractions concentrated in a walkable downtown.

Toronto has always given visitors a warm Canadian welcome, and starting in 2015, that welcome will be even more special when they are greeted by the Union Pearson (UP) Express.

Passengers arriving at Toronto Pearson International Airport will be just steps away from boarding this express rail service to Union Station in downtown Toronto.

The many residential communities of Toronto express a character distinct from that of the skyscrapers in the commercial core. Victorian and Edwardian-era residential buildings can be found in enclaves such as Rosedale, Cabbagetown, The Annex, and Yorkville. Wychwood Park is historically significant for the architecture of its homes, and for being one of Toronto's earliest planned communities. The Wychwood Park neighbourhood was designated as an Ontario Heritage Conservation district in 1985. The Casa Loma neighbourhood is named after Casa Loma, a storybook castle built in 1911 complete with gardens, turrets, stables, an elevator, secret passages, and a bowling alley. Spadina House is a 19th-century manor that is now a museum.

The City of Toronto encompasses a geographical area formerly administered by six separate municipalities. These municipalities have each developed a distinct history and identity over the years, and their names remain in common use among Torontonians. Throughout the city there exist hundreds of small neighbourhoods and some larger neighbourhoods covering a few square kilometres. Former municipalities include East York, Etobicoke, North York, Old Toronto, Scarborough, and York.

Toronto has a diverse array of public spaces, from city squares to public parks overlooking ravines. A group called the Toronto Public Space Committee was formed to protect the city's public spaces. Nathan Phillips Square is the city's main square in downtown, and forms the entrance to City Hall. Yonge-Dundas Square, a newer, privately owned square near to City Hall, has also gained attention in recent years as one of the busiest gathering spots in the city. Other squares include Harbourfront Square, on the revitalized Toronto waterfront, and the civic squares at the former city halls of the defunct Metropolitan Toronto, most notably Mel Lastman Square in North York.

There are many large downtown parks, which include Grange Park, Moss Park, Allan Gardens, Little Norway Park, Queen's Park, Riverdale Park, Trinity Bellwoods Park, Christie Pits, and the Leslie Street Spit, which mainly consists of Tommy Thompson Park and opens on weekends. The Toronto Islands have several acres of park space, accessible from downtown by ferry. Large parks in the outer areas include High Park, Humber Bay Park, Centennial Park, Downsview Park, Guildwood Park, and Rouge Park. An almost hidden park is the compact Cloud Gardens, which has both open areas and a glassed-in greenhouse in downtown Toronto.

Nathan Phillips Square, Harbourfront Centre, and Mel Lastman Square feature popular rinks for public ice-skating. Etobicoke's Colonel Sam Smith Trail opened in 2011 and is Toronto's first skating trail. Centennial Park and Earl Bales Park offer outdoor skiing and snowboarding slopes with a chair lift, rental facilities, and lessons.

Toronto theatre and performing arts scene has more than fifty ballet and dance companies, six opera companies, two symphony orchestras and a host of theatres. The city is home to the National Ballet of Canada, the Canadian Opera Company, the Toronto Symphony Orchestra, the Canadian Electronic Ensemble, and the Canadian Stage Company. Notable performance venues include the Four Seasons Centre for the Performing Arts, Roy Thomson Hall, the Princess of Wales Theatre, the Royal Alexandra Theatre, Massey Hall, the Toronto Centre for the Arts, the Elgin and Winter Garden Theatres and the Sony Centre for the Performing Arts (originally the "O'Keefe Centre" and formerly the "Hummingbird Centre").

Ontario Place features the world's first permanent IMAX movie theatre, the Cinesphere, as well as the Molson Amphitheatre, an open-air venue for music concerts. In spring 2012, Ontario Place closed after a decrease in attendance over the years. Although the Molson Amphitheatre and harbour still operate, the park and Cinesphere are no longer in use.

Each summer, the Canadian Stage Company presents an outdoor Shakespeare production in Toronto's High Park called "Dream in High Park". Canada's Walk of Fame acknowledges the achievements of successful Canadians, with a series of stars on designated blocks of sidewalks along King Street and Simcoe Street.

The production of domestic and foreign film and television is a major local industry. Toronto as of 2011 ranks as the third largest production centre for film and television after Los Angeles and New York City, sharing the nickname "Hollywood North" with Vancouver.The Toronto International Film Festival is an annual event celebrating the international film industry. Another prestigious film festival is the Toronto Student Film Festival, that screens the works of students ages 12-18 from many different countries across the globe.

Many of Toronto’s waterfront parks have sand or cobble beaches for you to enjoy. Soak up the lakeside atmosphere, come for a picnic or some beach volleyball, or go wading or take a dip at one of 11 designated swimming beaches.

Toronto has more than 1,600 public parks and 600 km of trails. The parks system covers 8,000 hectares, or roughly 13% of the city's land area. It includes about 40% of Toronto's natural areas, many of which lie within the ravine system and along the Lake Ontario shoreline. City parks also feature beaches, playgrounds, sports fields, gardens, conservatories, ice rinks, special events and much more for you to enjoy.
more on Toronto




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