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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. 

               
READ MORE





          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 EVERYONE LOVES
YELLOWSTONE NATIONAL PARK





Yellowstone national park is a wonderful place to go on vacation. Old Faithful and the majority of the world's geysers are preserved at Yellowstone. They are the main reason the park was established in 1872 as America's first national park-an idea that spread worldwide. A mountain wildland, home to grizzly bears, wolves, and herds of bison and elk, the park is the core of one of the last, nearly intact, natural ecosystems in the Earth’s temperate zone.

Yellowstone ranks among the most popular national parks in the United States. Few places on earth offer so much scenic and scientific interest in one area. Yellowstone is in the heart of the Rockies, a land of pine-clad mountains and broad, grassy valleys. The countryside is laced with lakes and streams of exquisite beauty.
The popular West Entrance to Yellowstone parallels the winding Madison River, a route followed by the earliest pioneers into the park. It leads to the Grand Loop Road that will take you to all of the park’s major features.

In addition to superb mountain scenery, the park is one of the world’s principle wildlife preserves. Many visitors eagerly await the opportunity to photograph wildlife in its native environment. Yellowstone is a photographer’s paradise.

Traveling south on the Grand Loop Road towards Old Faithful, a side road leads to Firehole River Cascades. Here water pours through an 800 foot canyon, climaxing at roaring Firehole Falls.

The Firehole River is our introduction to the most famous and certainly the most popular section in all of Yellowstone. Our route takes us through a series of thermal basins, beginning with the Lower Geyser Basin. The road brings us close to the popular Fountain Paint Pot, pools of colorful, hot mud that bubble and sputter like pudding boiling in a pan. The mud is a mixture of silica, clay and water.

Bubbles are formed by super-heated gases rising from magma and molten rock deep within the earth. A stroll around Fountain Paint Pots revels a variety of small geyser, pools and springs. Midway, Biscuit and Black Sand basins lie adjacent to each other with the Firehole River serving as a common boundary. Runoff from many of the geysers in these basins drains into the nearby river. Each year Excelsior Geyser alone pours an incredible 5 million gallons of scalding water into the river.

At Midway Basin, Grand Prismatic Spring is the most spectacular feature. From above, its splendid array of deep colors is stunningly visible. At 370 feet in diameter, it is believed to be the largest spring in Yellowstone. Clearly marked boardwalks and paved trails offer visitors a safe and exciting means of exploring the thermal features of Midway Basin.

In the Black Sand Geyser Basin, Cliff Geyser is interesting because it sits of the edge of Iron Spring Creek. Its eruptions can go as high as 50 feet.

Rainbow Pool is a large hot spring with an intensely blue center. The water at the pool’s edge is cooled sufficiently to permit the growth of algae, producing a rainbow of colors. Nearby Sunset lake vies with Rainbow Pool for beauty and iridescent color.

To many visitors, the Upper Basin, the Old Faithful area, is the heart and sole of Yellowstone Park. Unique Old Faithful Inn is one of America’s finest lodges. Today, its immense rustic lobby and huge stone fireplace yet posses the grandeur of earlier times.

No visit to Yellowstone is complete without witnessing one or more eruptions of Old Faithful Geyser. This iconic geyser is the most famous in the world and is one of America’s greatest natural wonders.There are geysers that erupt higher and for longer periods of time, but rarely is the tremendous power of nature so inseparably combined with Old Faithful’s innate beauty. This superb spectacle, once you’ve actually witnessed it in person, will stay in your memory forever.

Since the mid-1960s, at least 2 million tourists have visited the park almost every year. In 2010, a record number of visitors came to the park in July: 975,000. July is the busiest month for Yellowstone National Park. At peak summer levels, 3,700 employees work for Yellowstone National Park concessionaires. Concessionaires manage nine hotels and lodges, with a total of 2,238 hotel rooms and cabins available. They also oversee gas stations, stores and most of the campgrounds. Another 800 employees work either permanently or seasonally for the National Park Service.

Park service roads lead to major features; however, road reconstruction has produced temporary road closures. Yellowstone is in the midst of a long term road reconstruction effort, which is hampered by a short repair season. In the winter, all roads aside from the one which enters from Gardiner, Montana, and extends to Cooke City, Montana, are closed to wheeled vehicles. Park roads are closed to wheeled vehicles from early November to mid April, but some park roads remain closed until mid-May. The park has 310 miles (500 km) of paved roads which can be accessed from five different entrances.

There is no public transportation available inside the park, but several tour companies can be contacted for guided motorized transport. In the winter, concessionaires operate guided snowmobile and snow coach tours, though their numbers and access are based on quotas established by the National Park Service. Facilities in the Old Faithful, Canyon and Mammoth Hot Springs areas of the park are very busy during the summer months. Traffic jams created by road construction or by people observing wildlife can result in long delays.
go to Yellowstone





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