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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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HISTORIC BERLIN
AND IT'S MANY MUSEUMS


Founded in the 13th century, Berlin has had an eventful history. Excavations from 2008 suggest that the city may be even older than was previously assumed: state archaeologists have discovered an oak beam that probably dates back to 1183.

Almost no other metropolis has experienced such frequent, radical change transforming the face of the city. Although Berlin saw steady growth in its importance, dazzling epochs alternated with darker eras. Nevertheless, the formerly divided city has succeeded in becoming a vibrant metropolis in the heart of Europe.

Berlin is best known for its historical associations as the German capital, internationalism and tolerance, lively nightlife, its many cafés, clubs, and bars, street art, and numerous museums, palaces, and other sites of historic interest. Berlin's architecture is quite varied. Although badly damaged in the final years of World War II and broken apart during the Cold War, Berlin has reconstructed itself greatly, especially with the reunification push after the fall of the Berlin Wall in 1989.

It is now possible to see representatives of many different historic periods in a short time within the city centre, from a few surviving medieval buildings near Alexanderplatz, to the ultra modern glass and steel structures at Potsdamer Platz. Because of its tumultuous history, Berlin remains a city with many distinctive neighbourhoods.

You can explore Berlin on a traditional sightseeing tour in an open double-decker bus or in smaller buses or taxis. Less common means of transportation are also an option. S-Bahn Berlin GmbH offers special tours in panorama trains with a glass roof, as well as trips in historic S-Bahn trains. Velo-taxis are parked at central locations, ready to take customers on a rickshaw-like ride through Berlin.

Visitors can travel by boat along the 197 kilometers of Berlin’s navigable waterways. Guided tours can be taken on bicycles, on mopeds, and on foot - and the next innovative tour idea is no doubt just around the corner. You can also get to know special aspects of Berlin on tours of historic sites, “Jewish Berlin,” the former course of the Wall, architectural highlights, the homes and workplaces of famous people, and much more.

Berlin’s weekly markets and flea markets invite browsing, as do the Botanical Garden and the grounds of the horticultural exhibition Bundesgartenschau 2001 in nearby Potsdam. Recreation areas and sights in the city and in the surrounding state of Brandenburg are popular destinations for outings, while trade fairs, exhibitions, and congresses attract additional visitors. Berlin’s two zoos are unquestionably among the city’s special attractions: the Zoologischer Garten with the Aquarium and Tierpark Friedrichsfelde. The former is the world’s most diverse zoo, and the latter covers a larger area than any other zoo in Europe.

Berlin is a huge city. You can make use of the excellent bus, tram, train and underground services to get around. Taxi services are also easy to use and a bit less expensive than in many other big Central European cities. You can hail a cab (the yellow light on the top shows the cab is available), or find a taxi rank (Taxistand). Taxi drivers are in general able to speak English. If you ask for a short trip (Kurzstrecke), as long as it's under 2km and before the taxi driver starts the meter running, the trip normally is cheaper, €4. This only applies if you flag the taxi down on the street, not if you get in at a taxi rank.

The Berlin U-Bahn (subway/metro) is something to behold; it is so charmingly precise! There are no turnstiles to limit access, so it is technically possible to ride without a ticket, but if caught by a ticket checker you will be fined €40 so it is probably not worth the risk. All U-Bahn stations now have electronic signs that give the time of the next train, and its direction based on sensors along the lines.

Berlin has a vast array of museums. Most museums charge admission for people 18 years of age or older - usually €6 to €10 for the big museums. Discounts (usually 50%) are available for students and disabled people with identification. Children under 18 years free. A nice offer for museum addicts is the three day pass Museum Pass  for €24 which grants entrance to all the normal exhibitions of the approximately 55 state-run museums and public foundations.

Most museums are closed on Mondays; notable exceptions include the Neues Museum and the Deutsches Historisches Museum, which are open daily. Museumsportal Berlin, a collective web initiative, offers easy access to information on all museums, memorials, castles and collections and on current and upcoming exhibitions.

Other museums which belong to the Museum Island are the Altes Museum (with the Egyptian and the antique collection), the Alte Nationalgalerie (with mainly German paintings of the 19th century) and the reopened Bode-Museum with its fantastically presented sculpture collection and Byzantine art.

The recently reopened Neues Museum houses the Egyptian collection, Neanderthal and other prehistoric archaeological finds, and some of the treasures unearthed at Troy. This is the only museum on Museums Insel that requires a timed entry ticket. It's best to get a timed ticket online ahead of time as time slots fill up quickly.

Museen Charlottenburg - Schloss Charlottenburg (Charlottenburg Palace, Belvedere with Porcelain Manufactory (KPM), Mausoleum, New Pavilion), Museum Berggruen, Bröhan Museum, Museum Scharf-Gerstenberg

Museen Dahlem - in the district of Dahlem three museums are located: Museum of European Cultures  - the biggest of its sort in Europe. Ethnologisches Museum  - again one of the world's most comprehensive museums (Well worth a visit for its splendid collection of Pre-Columbian archeology!). Museum of Asian Art .

Deutsches Historisches Museum in the Zeughaus, Mitte, Unter den Linden 2, . German historical museum covering everything from prehistory right up to the present day. One can spend many, many hours here!

Museum für Naturkunde, Mitte, Invalidenstraße 43, . Near the main railway station. Natural science museum with a big collection of dinosaur skeletons, fossils and minerals. Reopened after restoration in late 2007.

Berlin Wall Memorial (Gedenkstätte Berliner Mauer), Gesundbrunnen/Mitte, Visitor Center: Bernauer Straße 119, Documentation Center: Bernauer Str. 111 - The central memorial site of German division, located in the middle of the capital. - Open-Air Exhibition and Memorial Grounds: All year round Mo. - Su. 8am - 10pm, Visitor Center and Documentation Center: April - Oct.: Tu. - Su. 9:30am - 7:00pm, Nov. - March: Tu. - Su. 9:30am - 6:00pm. The outdoor grounds are open 24 hours a day all year round. Admission free. - Nordbahnhof S-Bahn station S1, S2, S25, Tram M10 - Flyer

Mauermuseum at Checkpoint Charlie . This museum is situated at the most famous historical checkpoint between the two Berlins. Admission: 12,50 EUR.

Story of Berlin  Kurfürstendamm 207-208i, close to the Uhlandstraße metro, the last stop on the U1. Museum in the centre of a mall. In addition to the history (including the World Wars), culture, transportation, architecture and an exhibit of life in the city since medieval times, it is unique to feature an authentic cold-war era bunker. The 20 minute tour is included in the cost of the entrance ticket, and is at the top of each hour, alternating in German and English.

Stasi Museum  At the northeast corner of Frankfurter Allee and Ruschestraße is a complex of buildings housing hospitals and clinics. In the communist era, all these buildings belonged to the Stasi with their massive apparatus for spying on East German citizens, including opening tens of thousands of pieces of mail every day. Now just one of these buildings is used as museum of the Stasi. It is almost impossible to find from the street address since the number is out of sequence with the rest of the street.

Walk up Ruschestraße from Frankfurther Allee. On the right side of the street, there is a small sign for the Stasi Museum at the entrance to the clinic complex. Walk in and go straight ahead to the far end of the car park.


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