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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 WHISTLER SKI RESORT IS ONE OF
NORTH 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. If you are thinking of going for a ski trip now is the best time to go is betweeen November and April. Although there is skiing available later than April it is not for serious skiers, due to the combination of marginal snow conditions and limited mechanized uplift. Within this time, you should definitely avoid November, as although occasionally there is good snow, more often than not it is too thin on the ground. So your choice is between the months from December to April. What are the main characteristics of each month?

In early December you will find some of the slopes deserted, great deals on accommodation and restaurants and a lottery with respect to snow. If you have come in a great early snow year, this will be a fabulous time to visit. If not, bring your rock skis and plan to spend some time in Whistler's great spas. Later in December, and especially over Christmas and New Year, you will pay the steepest prices of the season, have trouble getting a table in any of the good restaurants and stand in some brutal line-ups on the Harmony Chair. However you will experience the rush which goes with peak season in a top resort: the buzzing nightlife, the parades, the fireworks and the thrill of First Night in the Village.

January often has the best snowfalls of the year and it also offers discounted accommodation (you can safely wait to the last minute to get a great deal on a beautiful chalet or condo), and no lift lines, except on weekend powder days, when the locals will crowd the lifts lines at 8.00 to catch the fresh tracks. But it can be cold, and it gets dark early. January is the best month for hard-core skiers.

February and March are more crowded, but more mellow. Avoid Presidents Week in February and Spring Break in March and you could have the best of all worlds: plenty of time for snowfall accumulation to have built up, plenty of buzz in town but easy access to the best tables.

April is mainly for the British market, who come over in droves during their Easter holidays. The peculiarity of the April snow is that there is more of it at the top of the mountain, but less at the bottom, so don't bother to pay the premium for a ski-in, ski-out condo as it may not be possible. Last minute Whistler accommodation discounts are widely available in April.

In the non-skiing season you can pretty much write off the autumn: too cold to swim in the lakes and too much rain. May and June can be fabulous weather-wise; perfect conditions for white-water rafting in the snow run-off and great golfing weather. But you will probably have to leave it to July and August if you are looking for warm water in Whistler's beautiful lakes.

The Piccolo Express Lift on will run to the Piccolo peak from the bottom of Flute Bowl and will open up more than 1000 acres of the most spectacular high alpine terrain available in North America. This is terrain that has historically been available only to the hardiest of ski-mountaineers, since each vertical metre of descent into this legendary bowl had to be paid for with perhaps half a minute of hard climbing. And given that this lift will be 2112 metres long, with a vertical elevation of 509 metres - well, you can do the math. Flute Bowl will now become a hike-in, ski-out bowl thanks to the Piccolo lift.

The new acreage is a mixture of open bowls, deep snow and gladed sub-alpine terrain. It will appeal to advanced and intermediate skiers alike, since it will have both runs through the trees and wide open groomed areas. The path back to Whistler Village or Creekside will be via the Burnt Stew Trail to the bottom of Harmony Express. It is expected to provide significant relief to the frequent queues at Harmony. Plans call for construction to be completed within the summer of 2006 and for the lift, which will be a high-speed detachable quad, to be ready by November. Locals expect that the Piccolo lift will further extend the preference for Whistler over Blackcomb mountains by expert skiers.

The priciest restaurant in town is the Bear Foot Bistro, which also sports one of the world's most extensive and exclusive wine lists. Fancy sampling the legendary Chateau Cheval Blanc 1947, or a vertical tasting of Chateau Le Pin (the minuscule vineyard which commands a price premium over Pétrus in some years)? The Bear Foot is the place to go. The food is extremely good, but it is not quite up to the standards of the wine list, and it is also exceedingly pricey.

Long-time favourite of well-heeled locals is the Rim Rock Café, a little way out of the centre, where seafood and game top the menu. The ambience here is unmatched, with post and beam construction, a couple of log fires, discreet service and consistently excellent preparation.

If you prefer a more raucous atmosphere and if you love Italian food, the Trattoria di Umberto, or The Trat as it is universally known, is the place to be. The food is good but the warmth of your welcome is better and it is almost always party time in the evening. For a more subdued, formal-dining kind of Italian, go for Quattro where linen tablecloths and a hushed atmosphere accompany the excellent cuisine. The other Italians worth visiting are Il Caminetto di Umberto and La Rua.

If steak is what you are after, Hy's Steakhouse is unquestionably the place to be. Prime grain-fed Alberta beef finds its ideal counterpart in the subtly flavoured sauces conjured up by the Hy's kitchen.

New in town, but by no means happy to acknowledge the superiority of more established Whistler venues, is Fifty Two Eighty (the name refers to the vertical mile of skiing available on Blackcomb Mountain) in the Four Seasons Hotel.


more on Whistler


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