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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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YOUR PERFECT ENGLAND VACATION



To go to England as a vacation can be something you will always remember and can be a part of you the rest of your life. There is so much history and so much to do in England that thousands of pages could not be enough to explain it all!

Below you will find the 10 things you must do while in England inorder for your vacation to be complete and perfect:

The Changing of the Guard at Buckingham Palace is an obligatory stop for tourists in London. The ceremony takes place daily from March 31 to July 31 and on alternate days the rest of the year. The Queen's Guard's iconic fuzzy hats, called "bearskins," can be up to 80 years old and are handed down from generation to generation.

London's Kew Gardens, formally called the Royal Botanic Gardens, Kew, began as a private garden at a royal estate in the 16th century. In 1759, after several ownership changes, Princess Augusta began to build the garden's exotic plant collection. It now holds about 33,000 types of living plants, millions of dried specimens, and a voluminous research library. Here, a gardener carries the massive pad of a Victoria amazonica lily.

Hadrians wall was named for the Roman emperor who commissioned it in A.D. 122, Hadrian's Wall stretches 73 miles (117 kilometers) across northern England from coast to coast. Its purpose: to deter the barbarians in what is now Scotland from their raids on Roman Britain. It was eventually breached in A.D. 367, and Roman rule in Britain ended about 40 years later.

Visit Stonehenge, on Salisbury Plain, is arguably England's greatest archaeological treasure. Though weathered and broken, its ruins are a window on a prehistoric world, guarding secrets after more than 4,500 years. Here, lights from the nearby town of Amesbury lend a lavender glow to the sky above the enigmatic monument.

World renowned for its focus on archaeology, London's British Museum started in 1753 from three private collections. This view from above shows the recently completed glass-and-steel canopy over the Great Court. In the middle is the famed circular Reading Room, where such literary luminaries as Karl Marx and Virginia Woolf once went to study and write.

England's famed Lake District, in the northwestern county of Cumbria, boasts breathtaking scenery that has inspired some of the country's most famous poets and novelists. Blanketed by rolling mountains, the isolated region is home to an abundance of wildlife, some found only here and nowhere else.

Shakespeare's Globe Theatre in Bankside, London, represents a well-studied best guess at what William Shakespeare's original 1599 Globe playhouse might have looked like. Finished in 1997, the Globe was constructed near the site of the original theater using techniques and materials common in the 1500s, including a reed-thatch roof. Here, actors perform Julius Caesar before a packed house.

The cathedral-like Central Hall of London's Natural History Museum boasts a towering arched ceiling ribbed with exposed iron beams and adorned with hundreds of hand-painted tiles depicting plants and animals. Designed in the 1860s in the German Romanesque style by architect Alfred Waterhouse, the building first opened its doors in 1881.

Among the most famous spans in the world, London's Tower Bridge is named not for its massive support structures but for its proximity to the Tower of London. Completed in 1894 after eight years of construction, it was the largest and most sophisticated bascule bridge (drawbridge) of its time. In 2008, work began on a three-year, $6.6 million restoration project, including a new coat of paint for the bridge's flashy blue suspension chain.

The first tower of Windsor Castle, the sprawling royal residence and fortress in Berkshire, England, was completed nearly a thousand years ago. It is currently the oldest continually occupied castle in the world, and the largest, spreading over 13 acres (5 hectares) of land. This vantage shows a portion of the Queen's Jubilee Garden, built in 2002 to celebrate Queen Elizabeth's 50 years on the throne.  go to:
  UK official website:





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