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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.


              
READ MORE





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WHY NENDAZ SWITZERLAND
IS A BEAUTIFUL VACATION DESTINATION


Nendaz, Switzerland originally known as Neind (984-AD) is located right in the middle of the Alps in in the heart of the 4 Vallées, one of the largest ski areas in Europe, Nendaz offers 400 km of ski trails spreading between 1350 m and Mont Fort, a 3330 m high mountain.

Known for its guaranteed snow, Nendaz assures you of perfect ski conditions from December to April. Whether you prefer to be in the resort or up at higher altitudes, on 16 hiking paths,  7 snowshoeing tracks,  2 cross-country ski trails,  pushchairfriendly walks, or spending a lazy day on the many sunny terraces, everything is possible in Nendaz. There is so much to do in Nendaz.

Whether you are skiers, hikers, in search of wellness, sports or family activities, Nendaz has so much to offer  throughout the winter, a programme rich in entertainments and a multitude of opportunities to discover the charms of Nendaz.

Nendaz Ski Resort caters to skiers and boarders of all ages and also offers easy access to the 4 Valleys ski area at friendly prices which include Ski lessons for children, lessons for kids from the age of two, teaching-by-playing concept, private and collective lessons.

Baby sitting for children: Babysitters are available for children of all ages for an hour or two or for whole days. The list of babysitters is available at Nendaz Tourisme or on www.nendaz.ch

There is also a Freestyle Park alongside the Jean-Pierre ski run at Tracouet with its
unique wooden modules for all types of boarding or skiing.

The old village of Haute-Nendaz is worth a visit.  The walk passes by the church of Saint-Michel and by the chapel dating back to 1499.  From the Café de la Place, return to the resort by the chemin des Bornes.  Guided visits are organized each season and the tour passes by the Tsâblo water mill.

Nendaz is a family friendly holiday resort with nursery slopes, a moving carpet for beginners and walkers to help them find their feet, and a freestyle park to practice your moves as well as swimming pools and treasure hunts - this is an ideal resort for skiers of all ages.

You can get a breath of fresh air on the ice rink, you can discover the old town with a tour guide, test your talent as a baker, try out skijoëring, have a sleigh ride pulled by huskies : these are only five of the many options that will make your winter a unique one.

Several parts of Nendaz include:
-Vieux Village (old town): the old village of Nendaz, made up of small, dark wooden chalets
-Les Ecluses: main shopping area, complete with several shops and cafés. It is the centre of attention of the ski resort.
-Siviez: here is the starting point of some ski lifts, which link Nendaz to both Verbier and Veysonnaz, connecting the ski slopes. It consists of three apartment blocks, and several restaurants and small shops. It is around 20 minutes from Nendaz's centre.
-Basse-Nendaz: the lower part of Nendaz, this is home to the council
-Tracouet: another, smaller ski-resort aimed at beginners. It is, however, linked to the larger ski domain of Siviez.

A must see while in Nendaz is The Hamlet of Verrey. This village reveals an interesting architectural assembly that is representative of a traditional village of the Valais with it’s wood and stone houses its stables, barns and storehouses. The habitat was constructed close together in order to make the most of  the land for agriculture.

The Hamlet is already mentioned in historical documents dating as far back as the middle ages as the count of Savoie had a Tithehouse there in the 13th Century when the cereal fields and meadows benefited from maximum sunshine and it was highly desirable land.

With the arrival of foreign flour and as a consequence the reduction of livestock, the agricultural land was abandoned little by little and the village lost its importance. In 1988 there were only two remaining inhabitants in Verrey. The buildings rapidly deteriorated without proper maintenance. In the 1990’s, people regained an interest in the village and some houses were slowly brought back to life.

Getting to Nendaz:
Nendaz is about 30 minutes from Sion, the capital of the Valais, and two hours from Geneva by car. There are several 'Post-bus' services a day, running between areas in the village. One service links Nendaz with Sion, and stops off at the villages along the way.

From the surrounding ski resorts, it can be reached by cable car/chairlift, with the 4 Vallées ski pass. Otherwise, it can be reached by train (to the Sion train station, there are regular trains from different parts of Switzerland) and then by bus from Sion to Nendaz. It is therefore reachable from nearby airports.

Sion Airport is in close proximity to Nendaz, again accessible by bus. However, there is a limited number of passenger flights which go from this airport.

Currently, there are only two flights from the airport: Swiss International Air Lines operates a flight to London Heathrow Airport, while Helvetic Airways flies to Palma de Mallorca.
More on: Nendaz





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