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.
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.
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
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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HOW MORTGAGE GOOD FAITH ESTIMATES WORK
A Good Faith Estimate (GFE) is a form that lists basic information about the terms of a mortgage loan for which you've applied.
The GFE includes the estimated costs you'll have to pay for the home loan. The Good Faith Estimate provides you with basic information about the loan, which will help you:
-Understand the real cost of the loan
-Make an informed decision about your loan choice
The lender or the mortgage broker must provide you with a GFE within three business days of receiving your application or other required information. You can't be charged any fees until you get the GFE and indicate that you plan to take out the home loan. But you can be charged a credit report fee.
If the lender denies your application within three business days, it does not have to provide you with a GFE. Within 30 days, your lender has to tell you:
Why your application was denied, or
That you have 60 days to request the reason why it was denied
Tip: You don't have to take the mortgage loan even if you receive a GFE. The lender also doesn't have to give you the loan even if it provides a GFE.
A good faith estimate, referred to as a GFE, must be provided by a mortgage lender or broker in the United States to a customer, as required by the Real Estate Settlement Procedures Act (RESPA). The estimate must include an itemized list of fees and costs associated with the loan and must be provided within three business days of applying for a loan.
These mortgage fees, also called settlement costs or closing costs, cover every expense associated with a home loan, including inspections, title insurance, taxes and other charges.
Closing fees, also called settlement costs, cover almost every expense associated with your home loan. Because closing costs typically amount to between 3 percent and 5 percent of the sale price, it is best to wait until you receive the good faith estimate before committing to a loan. Smart shoppers obtain good faith estimates from two or more lenders, compare their costs and ask questions about any large discrepancies.
A good faith estimate is a standard form which is intended to be used to compare different offers (or quotes) from different lenders or brokers.
The good faith estimate is only an estimate. The final closing costs may be different; however the difference can only be 10% of the third party fees. Once a good faith estimate is issued the lender/broker cannot change the fees in the origination box.
When you apply for a home loan, a lender is required to provide what's know as a mortgage good faith estimate, often abbreviated as GFE, to you within three days or less. This stipulation is set forth by the Real Estate Settlement Procedures Act, RESPA for short. The provision says that a lender must present a general summery of the costs and expenses that the borrower will have to deal with at the time he or she closes on a piece of property.
Is a Mortgage Good Faith Estimate Accurate?
Although the good faith estimate should be accurate, lenders aren't necessarily legally bound to their GFEs. However, most lenders try to honor good faith estimates as closely as possible in order to avoid developing a bad reputation with customers. You can check out reviews of lenders through online consumer advocacy sites and other third party protection sources to make sure that you do business only with lenders that have good track records with their GFEs.
However, even with reputable lenders, the GFE may not be completely accurate after application due to closing costs, lawyers' fees, investor charges, and other various costs that are not necessarily within the control of the lending institution. If a buyer and seller agree to use a particular attorney, for instance, and that attorney charges more than what the lender estimated, the final cost of the closing cost may be higher than the GFE -- through no fault of the lender.
Lenders will generally let you know in writing if the original GFE is going to be substantially off. If you see that the final costs exceed 16 percent of the GFE, a red flag should go up. Scrutinize the contract, and ask your lawyer to go over any requirements that you don't fully understand.
Remember that once you sign your contract with the lender, the act is legally binding, and it can be very difficult to get out of an unfair agreement.
The Good Faith Estimate is standardized. All lenders must provide consumers with the exact same document. Loan charges, third-party fees, and other costs must be displayed uniformly. Previously, lenders were not uniform in their interpretations of what fees should be included on the Good Faith Estimate and where such fees should be disclosed.
The GFE should cover closing costs and the amount of cash the borrower needs to close on the agreement. It should also detail which if any prepaid expenses must be handled and the average monthly payment the borrower will have to countenance to keep up with the loan. Therefore, the mortgage good faith estimate should give you a fairly good idea of what you will ultimately have to pay. more info at Consumerfinance.gov