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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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HOW TO BUY YOUR FIRST HOME
STEP BY STEP





If you've decided to buy a house, you may be wondering where to begin -- find a real estate agent? Go to open houses? You'll have to juggle a number of tasks, ranging from the fun to the tedious. The preview below will alert you to what's ahead and link you to other key information.

Step 1: Confirm That You Wouldn't Be Better Off Staying Put
Homeownership can be great, but it isn't for everyone, or at least not at this point in their lives. Unless you really can't stand your apartment or landlord, start by asking yourself whether your lifestyle and finances aren't better suited to continuing to rent for now, as discussed in the Nolo article Rent or Buy a House? Or, if you're still in your twenties, check out Buying a House in Your Twenties: Are You Ready? And if you're a single woman, don't miss the advice in Single-Woman Homebuyers: What to Consider. For a last bit of (serious) fun, take our Homebuying Readiness Quiz.

Step 2: Decide Which Community or Neighborhood You're Interested In
If you're already committed to a certain geographical area and know you can afford it, jump down to the next step. However, if you're moving to a different state or you have an inkling that your ideal neighborhood might be out of your financial reach.

Step 3: Get to Know the Local Housing Scene
Even before you're ready to choose a house, getting to know your local market is important -- it may be very different from what you've read in the national or even regional media. Scanning the ads, both online and print, is a great way to start. Information from the Multiple Listing Service (MLS), which lists most houses for sale, is widely available on national and state real estate websites such as www.realtor.com and www.trulia.com.

But ads can be misleading. You should also visit open houses to see what's really available and at what list price. Visit a wide range of houses, noting the numbers of bedrooms and bathrooms, special features, and overall charm. If the seller has made pest or other inspection reports available, read them carefully, paying particular attention to the estimated cost of repairs.

Ask the agent how long the house has been on the market (a long time suggests that it's overpriced) or, if it's newly on view, how many offers are expected on the house (multiple bidders can drive up the list price and vice versa).

Step 4: Decide What You Want in a House
Now that you've gotten a sense of what's out there, and possibly been hit with a reality check about what you can afford, it's time to draw up a list of criteria for the home you're looking for. Include not only the obvious, like general location and number of bedrooms and bathrooms, but any other factors that are important to you, such as a view, an enclosed yard for pets, kids, or growing vegetables, a garage of a certain size, and so forth.

Step 5: Assemble Your Team of Professionals
Most people prefer to work with a real estate agent or a lawyer at some point in the process. (In fact, in a handful of U.S. states, a lawyer must be hired to help finalize the sale.) A mortgage broker can also be of great help in finding the right home loan.

Experienced, responsible professionals can save you time, money, and aggravation. By the same token, incompetent or unethical ones can mess matters up badly. Take the time to get referrals from friends, and meet with a few prospects before you hire anyone.

Step 6: Figure Out How You'll Pay for the House
Despite recent dips in the real estate market, the price of a house relative to the average U.S. income remains high. (Even if you buy a foreclosure, the cost of repairing it after months of neglect may be high, as described in Buying a Foreclosed Home: Your Way Into the Real Estate Market?) So, unless you're a statistical outlier, you'll probably have to save, scrounge, and borrow in order to afford your house.

There are three parts of the purchase that you'll need to prepare for: your down payment, your mortgage, and your closing costs. You'll most likely need to make a down payment of 20% or more of the purchase price in order to qualify for a loan and avoid paying private mortgage insurance (PMI).

You'll need to think about what you can afford to pay each month and how much uncertainty you're comfortable with when choosing a mortgage. The two main choices include fixed rate and adjustable rate ones.

Don't forget to factor in closing costs, too: the various fees you'll have to come up with on the day the property transfers, for things like the title or escrow company fees, your share of the year's property taxes, transfer fees and points on the mortgage, homeowners' and title insurance premiums, and so forth. These can add up to many thousands of dollars, often 2-4% of the purchase price.

Step 7: Choose the House You Want
This is where many buyers falter -- they look and look, but can't commit, don't like the options in their price range, or, in the case of couples, can't agree on which house is the one. Being choosy is wise, to a point. Only you know what compromises you can live with. But, if you see that months are going by and no house ever seems right, it might be time to figure out what's going on at a deeper level.

Step 8: Offer to Buy the House You Want
Here's where you lay your cards on the table and present the seller with a written offer to buy the house. (Most states have standard contract forms that you or your real estate agent can use for this purpose and, in many cases, can be readily converted into a signed contract.) The standard offer form will usually require you to state your proposed purchase price, where you expect to obtain financing, what conditions, or "contingencies," you're attaching to the offer, how quickly you're willing to close the deal, and more. (But this isn't true in all states -- some require only a very basic offer stating what price you're willing to pay, after which the seller does most of the contract drafting.)

For more on how to craft a solid offer and negotiate toward a purchase contract, see Nolo's article Making an Offer on a House, as well as Contingencies to Include in Your Home Purchase Contract. And don't forget that the strength of the real estate market affects what you can ask for, as described in House Buying Strategies in a Down Market.

Step 9: Deal With the House's Physical Condition
Whether new or old, no house is in perfect condition. An important part of the homebuying process is finding out about the house's condition from the seller, investigating its condition on your own, and protecting yourself against problems that will arise in the future.

Many states' laws require sellers to tell you about many or most problems that they know of concerning the house -- issues like leaks, termites and other pests, a faulty foundation, neighborhood noise, past water or fire damage, and more.

No matter how informative your seller seems to be, you'll still want to have your own inspections done by at least one experienced professional -- and for the sale to be contingent upon your approving the results. See Nolo's article Get a House Inspection Before Buying for details on the hows and whys of this step. If mold could possibly be an issue, read Mold: Is It Hiding in the Home You're Buying?

Also, when you yourself visit the house, don't just admire the views or the furniture and neglect to look for problems or signs of deferred maintenance. Examples you can spot yourself include cracked glass or tiles, stains from moisture damage, crumbling grout material between tiles, windows and doors that don't close properly, and so forth.

Neither the seller nor the inspector can know everything about the house, however. Problems could be lurking that neither they nor you can see, and new problems -- or disasters -- could arise later. For these, you'll need to buy homeowners' insurance. For more detailed advice, check out Nolo's article Homeowners' Insurance: What You Need to Know.

Step 10: Decide How You'll Take Title
Unless you're buying solo, you'll need to decide whose name should go on the ownership papers and with what rights if one of you leaves or dies.

Step 11: Close the Deal
After the purchase contract has been signed, events start moving very quickly. Your contract will normally contain a closing date, and all of your activities will be geared toward wrapping things up by then. You'll need to finalize your financing, review the home inspection and other reports, probably have the house appraised  get title insurance, and more.

Stay focused on the big picture. Little issues will come up that need negotiating -- for example, the inspection report may show a minor needed repair that you'd like the seller to pay for. If the seller refuses, he or she risks your calling off the deal. But, if you play hardball, you may lose the house over a few hundred dollars.

On the closing day, you probably won't meet with the seller in person. More likely you'll go to the office of your title agent, escrow agent, or attorney to sign the final documents and pick up the keys. Then they'll record the new deed in your name at a local government office, and the house is yours!




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