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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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HONOLULU'S BEAUTIFUL BEACHES



In the Hawaiian, Honolulu means "sheltered bay" or "place of shelter"; alternatively, it means "calm port". The old name is said to be Kou, a district roughly encompassing the area from Nuuanu Avenue to Alakea Street and from Hotel Street to Queen Street which is the heart of the present downtown district.

Home to the majority of Oahu’s population, the sprawling city of Honolulu spreads throughout the southeastern shores of Oahu, from Pearl Harbor to Makapuu Point, encompassing world famous Waikiki.

Honolulu has it all. This is the home of some of Hawaii’s most historic places from Iolani Palace, the Kawaiahao Church, the Hawaiian Mission Houses Historic Site and Archives and the treasured artifacts of the Bishop Museum to iconic landmarks like the Aloha Tower, the King Kamehameha I Statue, the Duke Kahanamoku Statue and the historic Hawaii Theatre. Honolulu is also Hawaii’s hot spot for arts, culture and entertainment. From the nightlife, live music and fine dining of Waikiki to the art galleries and underground bars of the Chinatown arts district. Whether you’re looking for Hawaii’s finest museums, or Hawaii’s finest Hawaii Regional Cuisine chefs, the best resorts, festivals, and events, or just some fun things to do, you’ll find it all in Honolulu.

The majority of visitors to Hawaii enter through this city, meaning this is definitely not the place to go for a "get-away-from-it-all" Hawaiian vacation - It is as fast-paced and dynamic as any city, with all its problems such as heavy traffic, drugs, crime, and homelessness. But Honolulu still has the charm of the Islands' laid-back atmosphere and culture.

Naturally, when most visitors think of beaches here, they think of the famous Waikiki Beach. As the tourist center of the Hawaiian Islands, this white sand beach, framed by hotels and Diamond Head as a backdrop, is easily the most crowded. Waikiki is popular with a wide crowd, as it's a excellent place for swimming, sunbathers, catamaran and outrigger canoes, as well as a great spot for beginner surfers and body boarders (and there are plenty of surf schools set up in Waikiki for lessons). What's remarkable is that even in Waikiki you can find a fairly quiet beach; it's just a matter of knowing where to look.

But if you really need to get away from the crowds, there are plenty of other beaches. Just to the west, near Downtown, is Ala Moana Park, a green space with plenty of trees and grass as well as an nice sandy beach that's popular with the locals and is perfect for families or a calmer swim.

The area surrounding Makapu'u Point in Eastern Honolulu has several excellent beaches, the most popular being Hanauma Bay, which is set in the crater of an extinct volcano, now open to the sea and filled with a coral reef. This is not the place for a good swim and certainly not the spot for surfing, but the calm water and abundance of marine life makes it excellent for snorkeling and scuba diving. Even if you don't get in the water, the scenery makes it a great place to sunbathe or picnic, although you may find parking to be an issue.

Just near Hanauma Bay is the Halona Beach Cove, known as "the Peering Place". It is a small, rocky cove that has good swimming with the surf is calm, but no lifeguards here means it's at your own risk. Nearby Sandy Beach does have lifeguards, and has been popular with surfers and bodyboarders for decades. On a calm day, it can be good for a fun day of swimming. Makapu'u Beach, just a little further up the road, is quite scenic. It tends to have very large waves, meaning it many not be the best place to swim but a fantastic place to surf.

For those looking for expansive vistas, Diamond Head is a good starting point - this ancient volcanic crater dominates over Waikiki and the top offers an incredible view over the city. The trail leads up into a World War II-era bunker and up some steep staircases (one of over 100 steps), so the climb can be a little rough for the average couch potato.

If you're looking for a vista that you don't have to hike far to get to, look no further than the hills above Makiki. The Punchbowl crater, home to a military cemetery, offers a panoramic view closer to Downtown. Pu'u Ualaka'a Park, also above Makiki, has a winding mountain road, Tantalus/Round Top Drive, and a number of hiking trails which provide a stunning view of southern O'ahu nearly 2,000 feet above sea level.

Another popular overlook is the Nu'uanu Pali Lookout, located 6 miles north of Downtown on State Route 61 (Pali Highway). The scenic vista, set between two incredibly high cliffs, provides a panoramic view of Windward O'ahu. The overlook is often buffeted by high winds, but the view is more than worth it.
go to Honolulu



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