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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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HOW MORTGAGE RATES ARE DECIDED

In deciding mortgage rates mortgage lenders don't have prospective homebuyers' best interests at heart. Loans, after all, are products and mortgage lenders are salespeople pushing those products, whether they're right for a specific homebuyer or not. Lenders typically earn a one percent commission on each mortgage or mortgage refinancing they successfully process as well as additional points, called overages, if they can convince homebuyers to go with a loan higher than average current mortgage rates.

It's not unheard of for unscrupulous lenders to delay processing a loan if current mortgage rates are rising and the end of a 60-day interest lock-in rate is fast approaching. While mortgage brokers themselves aren't directly regulated by a federal agency, the Federal Trade Commission has taken action in the past against companies routinely engaging in this questionable practice.

Lenders use APRs (Annual Percentage Rates) when they promote mortgages or mortgage refinancing in order to give prospective homeowners an accurate estimation of the loan's annual cost to them.

However, every lender calculates the APR in a slightly different way. One lender may include application fees in the APR calculations, while another lender may not. Additionally, APRs differ according to the size of the loan, whether interest will be assessed at a fixed or variable rate, and insurance required. Homeowners may end up paying different amounts on two loans both advertised at an APR of 3.5 percent.

Mortgage rates have a tendency to get lifted on Friday regardless of whether the market calls for it or not. Avoid locking your rates on any Friday. Mortgage rates are loosely tied to other fixed rate investments like Treasury bonds. US Treasury bonds are believed by the markets to be “as good as gold” or risk free to say it another way. So when investor fear putting their money anywhere else (ie. stocks, commodities, etc.) yet still want to earn a return however meager, they buy Treasury bonds.

If the demand for bonds is high, the rate the bond pays drops. If the rate bonds pay drops, so does the rate mortgage backed securities pay…and even thought it’s not quite that simple, mortgage rates come down.

The reason Friday seems to be a day the bankers “forget” the market is because they don’t know what the weekend will bring. If there is “good” economic news made over the weekend like a good jobs report or exports are up, investor will want to dump the bonds and move to stocks or commodities. This will mean rates will have to be raised and it’s seems they all think that it is better protection if they do that on the previous Friday.

Say we turn on the news to find out that there is an oil spill, tsunami, or earthquake that just occurred. This will impact mortgage rates almost immediately.

What will happen as you’ve probably already guessed is rates will improve. When investor move their money out of risky investments and into US Treasury bonds this is call a “flight to quality” or a “flight to safety”. Look for any big negative news story to trigger a flight to quality and take advantage if you can. Many investor like to wait out the negative events by sitting on the sidelines…and moving their funds from stocks to bonds is how they do that.

Locking before versus after a “flight to quality” could be costly. I’ve seen a half a percent in the rate difference in the past. Nobody likes disasters but you will have this mortgage for many years and a .5% rate drop could save you $10,000′s in needless interest if you simply stay abreast of current events and know the trends.

So if you get an urgent phone call from your loan officer begging you to lock in a rate right now, click over to Bloomberg or CNBC and find out what the stock market is doing. You may find more often then not, stocks are on the upswing. He maybe trying to get you to lock the worst possible time.

On the flip side, if you tune into the stock market (which you should be doing daily if you have an unlocked loan in process) keep your eye out for the opposite occurring. Say the DOW is falling like a rock your loan officer will not call you! You will have to call him.
more on rates




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