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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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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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