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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. 

               
READ MORE





          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.


              
READ MORE





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HOW TO FIND AN APARTMENT




There are many ways you can go about looking for and finding the right apartment. To ensure that you will be able to afford your new apartment keep your rent, plus any debt payments, at 36% or less of your monthly income. More than that, and you'll be eating in every night to pay for a too-expensive place. Figure out how much you can afford to spend on an apartment before you start looking. If you can't find a high-quality, low-rent apartment, consider getting a roommate to share the costs. 

Dealing with a larger apartment management company has its advantages as well as drawbacks. One can find convenient solutions through larger companies, but one should also be careful about companies' claims regarding tenant needs, red tape, reliability, etc.

Use your Smartphone. With the latest advancement in mobile devices and specifically Smartphones (iPhone, Android or BlackBerry), you can use your phone's GPS to display apartments that are nearest to your location while walking around a neighborhood that you like. Download one of the apartment search applications available for your Smartphone and use your phone to search anywhere at anytime.

Find your ideal neighborhood. Drive or walk around different parts of the city where you might like to live. Consider commute times, your lifestyle needs and local conveniences.

Do a thorough inspection and take notes. Keep a record of each apartment you visit. Note what features are extra or missing. Take measurements of the rooms and doorways to ensure furniture fits on moving day. Turn on light switches, look inside closets, check water pressure, visit the laundry room, walk the grounds and ask neighbors what it’s like to live there. Identify your target location carefully. Pick a place that's close to work, groceries, and facilities you use regularly, so you spend less time (and money) in transit. Having public transportation nearby is a great way to cut your transportation costs.

Bargain hard
Want to negotiate a discount in rent? Tell your prospective landlord you're very interested but hadn't planned to spend as much as he or she is asking. If you request a rent reduction, the worst they can say is no.

Low-cost furnishing
When furnishing your apartment, ask family members for free hand-me-down furniture or small appliances they're not using, or check www.freecycle.org, a site that allows people to give away items they no longer need. Find useable furniture at second-hand stores, or check www.craigslist.org and www.ebay.com. Visit low-cost stores for new household supplies.

Utilities and communications
Ask utility companies to waive connection fees or transfer fees - they may offer big discounts if you say you're considering signing with a competitor. "Bundling" services like Internet and cable with the same provider can also bring discounts. Consider skipping the landline if you mainly use a cell phone. 

Get it in writing
Make sure the contract you sign with your landlord includes how long you must stay, how much notice you must give before you move, what repairs the landlord is obligated to do, and the rules regarding subletting. If the landlord promises an upgrade - such as painting before you move in - get that in print, too. If something seems unfair or suspect, call your state or county housing office or office of consumer affairs. These government agencies can inform you of your rights as a tenant.

Stay safe and insured
Think about safety for you and your belongings. Look for a good lock, and consider an alarm system. Check that your new apartment has a functioning smoke detector and carbon monoxide (CO) detector. A fire or flood can ruin your precious valuables, so renter’s insurance is a must. Figure out how much property protection you require by creating a complete inventory of everything in your apartment - from your TV to your socks - and then shop online for a quote.

Be the perfect tenant
Keeping your rental clean and quiet is the best way to ensure your landlord appreciates you. That can mean a grace period if you ever need to be a few days late on the rent, and a glowing reference for your next rental. Many landlords require a security deposit, so keeping the place in good repair helps to make sure you’ll get the money back.

With so many options on the market - high rise and low rises, condos, duplexes, old Victorians, newly renovated suites - it pays to put the effort into finding a good apartment with affordable rent to call your home.





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