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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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WHY LOUVRE IS THE GREATEST
ART MUSEUM IN THE WORLD



In Paris, France Louvre is the site of the world's largest and most diverse collection of pre-20th century painting, sculpture, and decorative objects, The Louvre is generally considered Paris' most important museum. Not forgetting the Mona Lisa and the Venus de Milo, bask in the works of Vermeer, Caravaggio, Rembrandt, and countless others. The palace itself is testament to a rich history spanning from the medieval period to the present. The adjacent Tuileries gardens are perfect for a stroll pre-or post-visit.

The grand palace that houses the museum, which dates back to the late twelfth century, is a true lesson in architecture: from 1200 to 2011, the most innovative architects have in turn built and developed the Louvre. Long the seat of power, this royal residence was also home to French heads of state until 1870 and is one of the major backdrops to the history of Paris and of France.

The museum is housed in the Louvre Palace, originally built as a fortress in the late 12th century under Philip II. Remnants of the fortress are visible in the basement of the museum. The building was extended many times to form the present Louvre Palace. In 1682, Louis XIV chose the Palace of Versailles for his household, leaving the Louvre primarily as a place to display the royal collection, including, from 1692, a collection of ancient Greek and Roman sculpture.

In 1692, the building was occupied by the Académie des Inscriptions et Belles Lettres and the Académie Royale de Peinture et de Sculpture, which in 1699 held the first of a series of salons.

The Académie remained at the Louvre for 100 years.[8] During the French Revolution, the National Assembly decreed that the Louvre should be used as a museum to display the nation's masterpieces.

The museum opened on 10 August 1793 with an exhibition of 537 paintings, the majority of the works being royal and confiscated church property. Because of structural problems with the building, the museum was closed in 1796 until 1801. The collection was increased under Napoleon and the museum renamed the Musée Napoléon. After the defeat of Napoleon at Waterloo, many works seized by his armies were returned to their original owners.

The collection was further increased during the reigns of Louis XVIII and Charles X, and during the Second French Empire the museum gained 20,000 pieces. Holdings have grown steadily through donations and gifts since the Third Republic. As of 2008, the collection is divided among eight curatorial departments: Egyptian Antiquities; Near Eastern Antiquities; Greek, Etruscan, and Roman Antiquities; Islamic Art; Sculpture; Decorative Arts; Paintings; Prints and Drawings.

Historians have long debated the origins of the Louvre but archeological excavations conducted at the time of the Grand Louvre project in the 1980s have helped give a clearer picture. A number of carved flints, found in the gravel of the river Seine, date back to Mesolithic times (8000-6550 BC), but they may have been carried by the water and therefore do not provide reliable evidence of human presence at this location.

However, silo pits, ceramics, and small stone furniture items, which may be linked to what is known as the “Cerny culture” (attested in the Paris Basin between 4500 and 4200 BC), are proof that nomadic groups of hunter-gatherers gradually colonized the banks of the Seine. At the end of the Bronze Age (between 1250 and 750 BC), the site of the Louvre was still a rural area that men were starting to develop through land clearing and the establishment of farms. This activity continued during the Gallo-Roman period when it coexisted with intensive clay mining, for use in the construction of the nearby city.

The history of the Louvre begins around 1190 with Philippe Auguste’s decision to erect a fortified enclosure to protect Paris. This was an important gesture in favor of urbanism and a display of the king’s authority just as he was preparing to leave the country to go to war in the Crusades. To defend one of the weak spots in this fortification, namely its junction with the Seine, a castle was needed: as such, the Louvre was born.

The building designed by Philippe Auguste’s engineers was square in plan, protected by a moat, and equipped with circular defensive towers at its corners and in the middle of its sides. In the center of its courtyard stood a main tower with its own moat. This model was used on several occasions with some variations; the Château de Dourdan in Ile-de-France still offers a well-preserved example.

The Louvre is known today for its astoundingly large collection of painting, sculpture, drawings and other cultural artifacts, but before it became the globe's arts mammoth, it was a royal palace and a crucial part of the fortifications that protected early medieval Paris from invaders.

The Louvre is currently drawing averages of over 8 million visitors per year-- making it self-evident why avoiding peak times is necessary is you want to experience the collections in more than a superficial way. The Louvre's collections are head-spinningly rich and complex. Rather than fend for yourself, booking a guided tour can be a good choice, particularly on a first visit.



visit the Louvre



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