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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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THE GREAT CITY OF LONDON


The United Kingdom has a rich history which goes back for centuries including one of the most famous cities in the world, London. London is a beautiful city very famous for it's arts, commerce, education, entertainment, fashion, finance, healthcare, media, professional services, research and development, tourism and transport and a growing diverse population.

ALong with New York city London is one of the world's leading financial centres and has the fifth-or sixth-largest metropolitan area GDP in the world depending on measurement. London is a world cultural capital.

London is the world's most-visited city as measured by international arrivals and has the world's largest city airport system measured by passenger traffic. London's 43 universities form the largest concentration of higher education in Europe. In 2012, London became the first city to host the modern Summer Olympic Games three times.

The history and origin of the city of London comes from the Roman Empire Almost two thousand years ago. The Roman city of Londinium, established just after the Roman conquest of Britannia in the year 43, formed the basis for the modern city (some isolated Roman period remains are still to be seen within the City). After the end of Roman rule in 410 and a short-lived decline, London experienced a gradual revival under the Anglo-Saxons, as well as the Norsemen, and emerged as a great medieval trading city, and eventually replaced Winchester as the royal capital of England.

There are contless things to do and see in London that will keep you on your feet until you can't stand anymore! London contains four World Heritage Sites: the Tower of London; Kew Gardens; the site comprising the Palace of Westminster, Westminster Abbey, and St Margaret's Church; and the historic settlement of Greenwich (in which the Royal Observatory, Greenwich marks the Prime Meridian, 0° longitude, and GMT).

Other famous landmarks include Buckingham Palace, the London Eye, Piccadilly Circus, St Paul's Cathedral, Tower Bridge, Trafalgar Square, and The Shard. London is home to numerous museums, galleries, libraries, sporting events and other cultural institutions, including the British Museum, National Gallery, Tate Modern, British Library and 40 West End theatres. The London Underground is the oldest underground railway network in the world.

You can visit the parks in London. The largest parks in the central area of London are three of the Royal Parks, namely Hyde Park and its neighbour Kensington Gardens at the western edge of central London, and Regent's Park on the northern edge. Regent's Park contains London Zoo, the world's oldest scientific zoo, and is near the tourist attraction of Madame Tussauds Wax Museum.

The following are the most popular districts in London you need to see while in London:

Bloomsbury
- Vibrant historic district made famous by a group of turn-of-the-century writers and for being the location of the British Museum, the University of London and numerous historic homes, parks, and buildings. Part of the Borough of Camden.

City of London - The City is where London originally developed within the Roman city walls and is a city in its own right, separate from the rest of London. One of the most important financial centres in the world with modern skyscrapers standing next to medieval churches on ancient street layouts.

Covent Garden
- One of the main shopping and entertainment districts. Incorporates some of London's theatreland. Part of the City of Westminster and Borough of Camden.

Holborn-Clerkenwell - Buffer zone between London's West End and the City of London financial district, home to the Inns of Court

Leicester Square - West End district comprising Leicester Square, Chinatown, Trafalgar Square and Piccadilly Circus and the centre of London's cinema and theatre land

Mayfair-Marylebone - Some extremely well-heeled districts of west central London and most of the city's premier shopping street

Notting Hill-North Kensington - Lively market, interesting history, the world famous carnival and diverse population

Paddington-Maida Vale - Largely residential district of northwest central London with lots of mid-range accommodation

Soho - Dense concentration of highly fashionable restaurants, cafés, clubs and jazz bars, as well as London's gay village

South Bank - South side of the river Thames with good views of the city, several theatres and the London Eye

South Kensington-Chelsea - An extremely well-heeled inner London district with famous department stores, Hyde Park, many museums and the King's Road

Westminster - A city in its own right, the seat of government and an almost endless list of historical and cultural sights, such as Buckingham Palace, The Palace of Westminster and Westminster Abbey.

You have to catch a show while in London to experience the talent that is hidden inside it's venues. London's theatre district is here, as are many cinemas, bars, clubs and restaurants, including the city's Chinatown district (in Soho), and just to the east is Covent Garden, an area housing speciality shops. The city is the home of Andrew Lloyd Webber, whose musicals have dominated the West End theatre since the late 20th century. The United Kingdom's Royal Ballet, English National Ballet, Royal Opera and English National Opera are based in London and perform at the Royal Opera House, the London Coliseum, Sadler's Wells Theatre and the Royal Albert Hall as well as touring the country.
go to London



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