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  Important news before you travel:

If you live 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.


          
https://travel.state.gov
        YOSEMITE NATIONAL PARK

Yosemite National Park is located in California’s Sierra Nevada mountains. It is best known for its waterfalls, but within its nearly 1,200 square miles, you can find deep valleys, grand meadows, ancient giant sequoias, a vast wilderness area, and much more. More than 5 million people visit Yosemite each year....read more

           IRELAND TRAVEL GUIDE

Ireland is an exotic destination for many travelers. It is very well for it's magic and legendary stories such as leprechauns, gold and four leaf clovers. Numerous tourists from all over the world are
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         NEW YORK'S JFK AIRPORT

JFK international airport is located 15 miles by highway from midtown Manhattan. JFK’s terminals, parking lots and hotels operate 24 hours a day, 365 days a year and cover more than 880 acres.

If you choose to enter the terminal with the passenger, please be aware that only ticketed passengers will be allowed past the security checkpoint. However, you may enjoy any of the areas before security. As an alternative, you may drop off your passengers at the Kiss and Fly located at the Lefferts Boulevard AirTrain Station where they can ride AirTrain free of charge to their terminal in just 10 minutes.

Electric Vehicle Charging
Air travelers who own electric vehicles can charge them at Kennedy International.
...read more


          AIRPORT TIPS


To make your way to a flight on time and to get throught security as quickly as possible you can try the following tips:

1) Sign up. The TSA's PreCheck, a trusted traveler program, has spread to more cities across the U.S. and is now available at some 40 airports. Members of the program are pre-screened and can then whiz through security, sometimes without having to take off their shoes or remove laptops from cases. The U.S. Customs Department's Global Entry program is another shortcut for frequent international travelers, especially as the federal government contracts and customs lines potentially get longer.

Critical Security Checkpoints:
To make clearing security as easy as possible...
-Review the guidelines for liquids and gels on your Flight carriers Carry-On Baggage page before your flight.
-Have your government-issued photo identification and boarding pass ready for inspection.
-Wear shoes that are easy to slip on and off, since all footwear must be x-rayed.
-Remember to place all coats and jackets in a bin for x-ray screening.
-Make your laptop easily accessible for inspection.
-Avoid wearing anything metal or place these items in your carry-on baggage for screening

2) Check flight status. Although this is obvious, many people often fail to do this one simple but critical thing.

I recommend doing the same before abandoning your ride or your car just before you head to the terminal; flight status updates change by the minute, so a last-second check is always a good idea.

Most airlines will text you flight status updates if you sign up on their Web sites, and sites like Flightaware.com do the same by text, on the Web and through smartphone apps.

4) Check in online. Especially if you are not checking bags, this can save you a heap of time. I have found that when checking bags, having the pre-printed boarding pass in your hand doesn't help all that much, and check-in agents often reissue another boarding pass when you check in your bags -- but it sure doesn't hurt.

5) Before you leave for the airport, put your ID, credit card and boarding pass (if applicable) in an easily accessible part of your wallet or bag. There are two reasons for this: one, by going through this exercise, you make sure that you don't leave home without these crucial items. Two, you don't waste your (and other people's) time fumbling around for them at the moment you need them.

Check the airport parking situation online. Knowing ahead of time where to park, which lots are open and how far they are from the terminal can save you a lot of anxiety on your drive in, as well as keep you safer as you navigate tortuous and almost always poorly marked airport ring roads. Additionally, during peak travel periods, lots fill up quickly, so you will want an alternate parking plan.

When you are ready to board always take inventory of what you will need to do when you get to the front of the security line. Do a quick mental review of everything you are wearing that you will need to remove (such as shoes, jewelry, watch, jacket), and what you have inside your carry-on bag that might need to be taken out (liquids, electronics). When you get to the front of the line, blast through your mental inventory and make it happen. Done well, you can go from fully clad for winter weather, with laptops and iPads in your bag, to a T-shirt, pants and socks, and all your sensitive electronics in their own bins, in seconds.

Using these tips will get you through the airport, on your flight and towards your destination as quickly as possible.

more traveler informaiton tips available at the TSA website:  https://www.tsa.gov/precheck/faq
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.



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TOP 5 REASONS TO REFINANCE YOUR MORTGAGE


There are so many reasons why most people refinance their loans. Here are the Top-5 reasons why they do and why you should too:

1. Lower the monthly payment. You can lower your monthly expense by stretching out your mortgage repayment over a longer term and / or by dropping your interest rate. If that’s your goal, investigate 40-year mortgages, interest-only payments and adjustable-rate mortgages (ARMs). Each of these mortgages comes with trade-offs, so get additional refinance information about their pros and cons before proceeding.

2. Lower the interest rate. Refinancing to a home loan with a lower mortgage rate can reduce your monthly payment and the amount of interest you pay. If you plan to keep your home for many years, consider 15- or 30-year fixed home loans; otherwise, you'll find that ARMs and hybrid ARMs, which are fixed for 3-10 years before they begin adjusting, carry the lowest mortgage rates.

3. Pay the mortgage off faster. Switching to a 15-year mortgage gets you a couple of advantages. Mortgage rates on 15-year loans are about half a percent lower than rates on 30-year fixed-rate loans. Your home equity goes up and your interest expense goes down. The trade-off is that your mortgage payment is higher; make sure you can afford it before committing to this loan.

4. Convert an ARM to a fixed-rate mortgage. If you plan to keep your home for a long time, taking a fixed loan with a higher rate than your current ARM may make sense in the long run. It keeps you safe from inflation and makes budgeting easier. In this case, 15-year and 30-year fixed mortgages are the most appropriate.

5. Trade home equity for cash. If you want cash to renovate your home, pay college tuition, consolidate debt, or for any other reason, cash-out refinances and home equity loans were made for you. Use the home equity loan if you like the mortgage you have, and the cash-out refi if you don’t.

you might be able to improve the terms of your mortgage by refinancing, and it isn’t that hard to do. If  you’re considering taking advantage of lower rates, swapping a fixed-rate mortgage for your adjustable loan (or vice versa) or cashing out some of your home equity, these five steps can help you navigate the refinance process.

Determine if you should refinance. Refinancing is one of those things that shouldn’t necessarily do just because you can. Your decision depends on your objective, your timeframe, and your profile. First, you need to know what you’re dealing with - your current rate, program and payoff. Then use a refinance calculator to see how your loan stacks up against refinance mortgages

Find a lender. There are several ways to find mortgage lenders. The old-school way is to get out the yellow pages and start dialing. A more efficient method is to get quotes from lenders online, then interview two or three of the most competitive. You’ll want to be comfortable with the person who helps you choose and apply for your mortgage refinance.

Choose a refinance program. Chances are good that more than one refinance program will work for you.a The 15-year fixed loans accelerate your payoff and come with lower rates but higher payments than 30-year loans. 30-year fixed rate mortgages are safe and make budgeting the easiest. And hybrid ARMs come with the lowest rates, which arae fixed for 3, 5, 7 or 10 years. In addition, homeowners with little equity may want to explore government refinance mortgages and streamline refinance programs.

Apply for your refinance. You’ll have to complete an application with a mortgage loan officer or broker and probably document your income and assets. Unless your refinance is a streamline program, your home will be appraised. This is where it pays to have an experienced professional working with you to get your refinance approved - good ones head off most of the eleventh-hour surprises and help you close your loan smoothly.

Lock in your refinance rate. Mortgage rates move with financial markets and can change several times a day. If you want to lock in a target rate, you may have to move quickly.




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