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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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SYDNEY AUSTRALIA - A PLACE DOWN UNDER 

With the summer in full swing at much of Australia many people are going to Sydney for their winter retreat or just a simple vacation. Getting away from the cold winter of New York City or any other place with current sub zero temperatures is a must for many. It helps manage the winter and makes it more bearable.

There is so much to do in Sydney, Australia. You can go to The Circular Quay which  is the infamous landing site for the convict-laden vessels from Britain, which founded the penal colony in 1788. From the busy terminal, ferries come and go under the Sydney Harbour Bridge or around the Sydney Opera House. Grand plans to revamp the venerable Opera House are in the works, but new dining venues, such as the outdoor Opera Bar, are already breathing new life into the precinct.

On the other side of Circular Quay, the Museum of Contemporary Art reopened in March after adding a new wing. The resulting streamlined spaces flanked by harbor-view windows host exhibitions by Australian notables (sculptor Stephen Birch, neon artist Peter Kennedy) as well as global art stars (Annie Leibovitz, Anish Kapoor).

Behind the museum lies the Rocks, early Sydney’s center. “It was Sydney’s most cosmopolitan place in the 19th century, a working district which welcomed, and also at times abused, the ships and sailors of the world,” says Murray. Press gangs would kidnap hapless sailors along the Rocks’ cobbled alleys, where visitors on weekends now shop for boomerangs and other Australian-made products at the Rocks Markets and spice blends and hand-pressed olive oils at the new Fridays-only Foodies Market. So-called bond stores once stocked with brandy, tobacco, tea, and flour currently house art galleries, boutiques, restaurants, and watering holes such as the Argyle, the epicenter of nightlife in the Rocks, with its multiple bars and live music.

Bordering the Rocks to the north, the old commerce-focused wharves of Walsh Bay have become the city’s arts hub. At Wharf 4/5, the Sydney Theatre Company produces new Australian plays and classic works under the artistic guidance of Cate Blanchett, while the contemporary Sydney Dance Company runs drop-in ballet, jazz, and hip-hop classes.

The waterfront rejuvenation began at Darling Harbour, where a host of attractions include an 1874 tall ship, one of only four of its kind in the world and on permanent display as part of the Maritime Museum. Go for a last ride on the iconic monorail that loops from Darling Harbour to the city center, destined to be torn down in the next year or two and turned into scrap metal-a government decision that shocked the city.

But taking to the water remains the best way to appreciate the harbor. Catch a ferry from Circular Quay to Cockatoo Island, Sydney’s new favorite harbor island since the former prison and dockyards opened to the public. Tour the heritage buildings, attend a concert or art exhibition, or join the sunset hubbub at the Island Bar, which is constructed from recycled shipping containers.

Alternatively, the classic ferry ride to the famous surf beach at Manly cruises the length of Sydney Harbour before docking at Manly Wharf. Swim, sign up for a surfing lesson, or leave the crowds and rent a kayak next to the wharf. Paddle around Manly Cove’s forested headlands to the secluded inlets and sheltered beaches of Sydney Harbour National Park. Landlubbers can hike the Manly Scenic Walkway. The national park also contains the historic buildings of Q Station, an old quarantine outpost that once cloistered passengers from contagion-hit ships, now a boutique hotel and a popular venue for weddings and conferences.

Where to shop For indie shopping, wander the Victorian streetscapes of inner suburbs Paddington, Woollahra, Newtown, and Surry Hills. Saturday’s Paddington Markets has been in operation for the past 37 years. Vendors hawk everything from watercolor paintings and antique silverware to little girl dresses in eucalyptus print fabric. Many of the designers graduate to the boutiques spread out along Paddington’s Oxford Street, such as Dinosaur Designs, makers of hand-sculpted jewelry. Local fashion labels like Neil Grigg Millinery and Jiva reside on adjoining William Street.

In Surry Hills, Grandma Takes a Trip stocks vintage dresses, coats, and accessories from the 1950s to the ’70s.

Though a long way from the outback, Sydney has plenty of Aboriginal art galleries selling classical dot paintings and contemporary works. The Artery in Darlinghurst specializes in art from such remote Aboriginal communities as Utopia, Mount Leibig, and Pupunya in the Northern Territory, and Kate Owen Gallery in Rozelle features emerging and established artists, including Clifford Possum, whose larger dot canvases set auction records at Sotheby’s.

Where to eat The food truck scene has finally hit Sydney as the city recently approved ten new mobile vendors. Find organic spelt pizzas, gourmet fish tacos, hot chocolate cakes, and more rolling out to fill late-night dining voids in locations like Circular Quay and Pitt Street Mall. The Eat Art Truck serves kingfish seviche and doubles as a street art canvas. The granddaddy of Sydney food trucks, Harry’s Cafe de Wheels has sold meat pies smothered in peas and gravy, a unique local offering, since 1945. It sits incongruously adjacent to Woolloomooloo Finger Wharf, now one of the city’s most exclusive residential and dining complexes.

The Opera Kitchen at the Opera House has hit on a winning formula: Combine outlets from some of Sydney’s best known gastronomic brands to form the fanciest food court in town. The wagyu burgers may be a tad expensive, but the harbor views are priceless. Highlights include the sushi bar at Kenji, the plank-roasted king salmon at Cloudy Bay Fish Company, and tiger prawn and green mango rice paper rolls at Misschu.

Gastro Park in Kings Cross has set local foodies abuzz since opening last year. The dining room’s clean lines frame the innovative, intricately styled food, which is anything but casual. Grant King, former executive chef at the seafood-inspired Pier restaurant, produces such playful and adventurous dishes as snapper fillet topped with crunchy fried fish scales.

Sydney has no shortage of waterfront dining, but it’s worth the trip to Bondi for Italian-inspired dishes at Icebergs Dining Room and Bar, on the top floor of the famed swimming club at the end of the beach. A favorite: Berkshire pork cutlet with grilled radicchio.

AUSTRALIA TRAVEL FACTS:
Entry Requirements: U.S. citizens need a valid passport and visa.

Security: By world standards, Sydney is a safe city, but it’s still prudent to keep your eye on your bags and your wallet in a secure pocket. Don’t leave valuables on display in your car. Areas to avoid at night include the back streets of Woolloomooloo, Kings Cross, and Glebe.

Time: Sydney is 14 hours ahead of U.S. eastern standard time.

Money: Sydney’s currency is the Australian dollar. For conversion rates visit www.oanda.com/convert/classic.

Phone Calls: Sydney’s area code is 02. For calls to Sydney from within Australia, dial 02 before the eight-digit phone number. From outside Australia, dial your country’s international access code followed by 61, 2, and the eight-digit number. Within Sydney, drop prefixes and use the eight-digit number. Local pay phone calls cost 50 cents.

When to Go: Sydney’s weather is reliably good, with summer maximums around 77°F (25°C); 63°F (17°C) in winter. Rainfall peaks through late summer and autumn; winter and spring are drier. January is peak local holiday season.

Getting There: Sydney Airport (SYD; www.sydneyairport.com.au) is five miles (eight kilometers) south of downtown. Public transportation (bus and train) services the airport.

Getting Around: It’s easy to get lost in Sydney and parking is expensive, but public transport (bus, train, and ferry) is excellent. Taxis are prevalent downtown; your hotel or restaurant can call one for you.

Tips: “March and April or September and October are the best times to visit, as the crowds have thinned and the weather is warm and sunny.”-Anne Matthews, author, Fodor’s Sydney’s 25 Best guidebook. “Always bring layers in case of a sea breeze or sudden downpour.”-Meg Worby, editor, Lonely Planet’s Sydney Encounter and Sydney & New South Wales guidebooks

Passport/Visa: Australia has rigorous border controls. All visitors require a passport, valid for six months from entry. Proof of funds and an ongoing ticket may be requested. Visas are required for nationals of all countries except New Zealand. See www.immi.gov.au and www.eta.immi.gov.au for more information.

Sunscreen: Mandatory for any Sydney trip, even if you’re not a beachgoer. Apply sunscreen to exposed skin at the start of each day, reapplying regularly.

Insect Repellent: Sydney summers can be hot and humid-ideal conditions for bugs and critters. The only ones to worry about, however, are mosquitoes (“mozzies” in local parlance). Apply insect repellent if you’re sitting outside in the evening.

Hat: Australia has an alarmingly high incidence of skin cancer: Wear a broad-rimmed hat in summer.


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