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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 TOP BEACHES OF BERMUDA



Bermuda offers an array of exquisite beaches of pink sand and turquoise water.  The sand contains pink flecks that are the remains of a tiny organism known as red foam. This combined with tiny particles of broken shells and bits of coral create the pink hue of Bermuda's beautiful beaches.

Bermuda's pink sand beaches and clear, cerulean blue ocean waters are very popular with tourists. Lifeguards are stationed on some of the beaches during the summer; however, many are not and being aware of the undercurrents and never swimming alone are two good tips. There are some water activities with fabulous snorkeling and diving offered on the reefs off South Shore at the larger beaches.

A private picnic lunch or dinner at the beach is a popular option. The less private beaches often offer food and alcohol concessions.

John Smith's Bay: Off the beaten track in Smith's parish, this popular locals' beach is a little less crowded than the South Shore destinations but still boasts soft sand and great swimming and snorkelling. The Harrington Hundreds grocery store is just a few minutes away by moped if you want to make your own picnic.

Cooper's Island Nature Reserve: A tiny peninsula on the eastern edge of the island, only recently opened to the public, Cooper's Island is actually a series of small coves connected by almost a mile of walking trails. The larger, but less picturesque (it's all relative) Clearwater Beach is right next door.

West Whale Bay: Named for the humpback whales that migrate past Bermuda in April and May each year, this is as good a place for whale watching as anywhere on the island. The grassy cliff-top that borders this Southampton beach is a great spot for a picnic.

Snorkel Park: A great beach for families, out west in vibrant Dockyard. There are inflatables for the kids to rent, great snorkelling for dad and beach loungers for mum. 

Warwick Long Bay: To truly grasp the beauty of Bermuda's South Shore, walk the length of Warwick Long Bay and clamber across the rocks, or take a detour over the sand dunes to Jobson Cove and Chaplin Bay. On a quiet day you will see more Longtails than fellow tourists. B, R (seasonal)

Shelly Bay: A parents' dream beach, Shelly Bay boasts warm, shallow water, a soft sandy bottom and backs on to a playground and sports field. A favourite for kids and novice swimmers - and close to the bus stop.

Church Bay: Swim with shoals of brightly coloured parrot fish among the pristine coral reef that pierces the water just yards from shore at this small South Shore bay, widely revered as Bermuda's best beach for snorkellers.

Elbow Beach: A half-mile of white sand boasting stunning views of the Atlantic, Elbow Beach, in Warwick, is a playground for joggers, kiteboarders, beach volleyball players and SCUBA divers. There's even a shipwreck within swimming distance of shore. You can join in the fun or just hire a deckchair and sit back and watch.

Tobacco Bay: Famous for its stunning volcanic rock formations - natural sculptures that emerge from the glassy water, this picturesque, sheltered cove is also a snorkellers' dream. The short walk from the old town of St. George is well worth it.

Horseshoe Bay: A crescent of soft, pink sand, lapped by clear blue water, fringed by sand dunes and bordered with sandstone cliffs, garnished with swaying palms - Horseshoe, in Southampton Parish, is the Mecca of the island's beaches and a must for every Bermuda visitor.

Many of Bermuda's hotels are located along the south shore of the island. In addition to its beaches, there are a number of sightseeing attractions. Historic St George's is a designated World Heritage Site. Scuba divers can explore numerous wrecks and coral reefs in relatively shallow water (typically 30-40 ft or 9-12 m in depth), with virtually unlimited visibility. Many nearby reefs are readily accessible from shore by snorkellers, especially at Church Bay.

Bermuda's most popular visitor attraction is the Royal Naval Dockyard, which includes the Bermuda Maritime Museum. Other attractions include the Bermuda Aquarium, Museum and Zoo,[91] Bermuda Underwater Exploration Institute, the Botanical Gardens and Masterworks Museum of Bermuda Art, lighthouses, and the Crystal Caves with stalactites and underground saltwater pools.

History of Bermuda:
The first European to discover Bermuda was Spanish sea captain Juan de Bermúdez in 1503, after whom the islands are named. He claimed the apparently uninhabited islands for the Spanish Empire. Although he paid two visits to the archipelago, Bermúdez never landed on the islands, because he did not want to risk crossing over the dangerous reef surrounding them. Subsequent Spanish or other European parties are believed to have released pigs there, which had become feral and abundant on the island by the time European settlement began. In 1609, the English Virginia Company, which had established Virginia and Jamestown on the North American continent two years earlier, established a settlement. It was founded in the aftermath of a hurricane, when the crew of the sinking Sea Venture steered the ship onto the reef so they could get ashore.

The island was administered as an extension of Virginia by the Company until 1614, when its successor, the Somers Isles Company, took over and managed it until 1684. At that time, the company's charter was revoked, and the English Crown took over administration. The islands became a British colony following the 1707 unification of the parliaments of Scotland and England, which created the Kingdom of Great Britain. After 1949, when Newfoundland became part of Canada, Bermuda automatically was ranked as the oldest remaining British Overseas Territory. Since the return of Hong Kong to China in 1997, it is the most populous Territory. Its first capital, St. George's, was established in 1612 and is the oldest continuously inhabited English town in the New World.

Today the United States is critical to Bermuda's economy. As the island’s closest geographical neighbor, the U.S. is also its principal trading partner and the source of more than 80% of its visitors. With the decline of tourism in recent years, the economy is based primarily on international business, and the island is an important regional and global offshore financial center. Insurance and reinsurance firms based in Bermuda write significant volumes of business in the United States, and a large number of American-owned businesses are incorporated in Bermuda. An estimated 8,000 U.S. citizens live in Bermuda, many of them employed in the international business community.

Bermuda’s currency, the Bermuda dollar, is pegged one-to-one to the U.S. dollar. The U.S. Securities and Exchange Commission recognizes the Bermuda Stock Exchange as a “Designated Offshore Securities Market.” Areas of opportunity for U.S. investment, in addition to the insurance, reinsurance, and financial services industries, include the government sector.

Bermuda Airport:
At 21 square miles, the entire UK overseas territory of Bermuda is smaller than some of the world’s larger airports. Located 560 miles east of Cape Hattaras, Bermuda depends on its airport (BDA/TXKF) for much of its contact with the outside world.

The airport can support aircraft of all sizes up to and including the A380. It is a NASA Space Shuttle launch-abort site that could be used during low- and mid-inclination launches. Facilities include both a passenger and a cargo terminal as well as an airport hangar constructed in 1995.

History
The first facility on the site now occupied by L.F. Wade International Airport was built between 1941 and 1943 as a joint US Army Air Forces (USAAF)/Royal Air Force (RAF) base named Kindley Field. At the end of World War II, the RAF left Bermuda. The field, by then hosting civil as well as military aircraft, was operated by the United States Air Force as Kindley Air Force Base until 1970, when it was transferred to the United States Navy. The Navy operated it as US Naval Air Station, Bermuda until 1995, when it was transferred to the Bermuda Government’s Ministry of Tourism and Transport.

Service
Today, L.F. Wade International Airport offers service to fourteen destinations in Europe, Canada and the U.S., including travel hubs such as London, New York, Miami and Toronto. The airport is served by Air Canada, American Airlines, British Airways, United, Delta Airlines, JetBlue, AirTran, Westjet and US Airways.
go to: Bermuda




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