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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.


              
READ MORE





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TOP 10 FACTS ABOUT ONLINE BANKING


Many people already know that online banking services can simplify your financial responsibilities. In today's world almost all transactions, payments, and maintenance activities can be handled online.

1. Just about any financial account that you own can be monitored online. Current balances, payments due, deposits, withdrawals, and scheduled transactions will be displayed on an account summary page. This allows you to monitor your accounts for any changes or transactions that you may have forgotten to record.

2. Online banking accounts usually record images of a customer’s checks. At the click of a button, you can see the front and back of any check that has posted to your account.

3. Funds can be quickly and easily transferred from one account to another - from a checking account to a savings account, for example.

4. Online banking systems often provide a simple way to send funds to someone via wire transfer. Instead of taking cash to a wire transfer office, you can transfer the money electronically. The recipient can then pick it up at the office specified.

5. Most or all of your monthly payments - for credit cards, utilities, subscriptions, etc. - can be made online. Payments will post immediately which greatly reduces the risk of late payment fees.

6. If you prefer not to pay each bill manually, many banks will allow you to set up automatic payments. On the dates you specify, money will be taken automatically from your checking or savings account and paid to utilities and other accounts.

7. National banks sometimes offer the ability to apply for a loan online. A decision can be made almost immediately, and the loan may be deposited directly into the customer’s checking account.

8. Most banking systems support the ability to import account history and transaction records into the account holder’s personal accounting software. Once imported, the records are accessible even when internet access is not available.

9. With some banks, you may be able to request new debit cards or order new checks by clicking just a few buttons.

10. Canceling scheduled transactions is simple with online banking. Customers can request a ‘stop payment’ on outstanding checks or cancel electronic withdrawals easily.

The convenience of online banking accounts has become a necessity for many Internet users. Last year, almost 70 million households with Internet access used online banking services. Paying bills, searching transactions and transferring money at any hour, from any location - online banking accounts have a lot to offer their customers.

Control
You can keep up with transactions, see what’s cleared, pay bills and move money between accounts, all 24 hours a day, seven days a week. Continuous access to your financial information equips you to manage your money as carefully as you need to, and paying bills online gives you control that mailing a check never could. You can specify when a payment will be made, even setting it up in advance to be paid, for example, after a paycheck is deposited. You can also monitor credit card charges, so your monthly bill won’t be an unpleasant surprise.

Speed
Online banking is fast. You don’t have to wait to get a bank statement in the mail, and checking your balance is as quick as logging on to your bank’s website. You can not only see what transactions have cleared in real time, you can also pay a bill and have it credited quickly - in some instances, by the next day.

Ease of use
Of course, paying bills online means you no longer have to write checks, buy stamps and get the envelopes in the mail. A few clicks of your mouse takes care of it! If that’s not enough, you can download your data to balance your checkbook. If you use financial management software such as Quicken or Microsoft Money, you can download all your bank transactions and balance your checkbook without having to enter a single receipt.

Savings
It gets tricky adding up how much money online banking accounts can save you. There’s the cost of stamps and having checks printed. There’s also the money you save by not having to drive to the bank. The biggest savings, though, can be in fees. Having more control over transactions, and immediate access to your information, can help you avoid overdrafts and late fees.

The list of the benefits  from online banking is growing everyday. In fact, most transactions now happen online.



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