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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


          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





                 AIRPORT TIPS

To make your way to a flight on time and to get through 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
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WHAT YOU SHOULD KNOW BEFORE YOU BUY A HOME

Home prices in most parts of the country are just about as affordable as they are likely to get, and mortgage rates remain super low. Together, those factors mean that many people are thinking about buying a home. Some will be first-time homebuyers, while others will be “boomerang” buyers who lost their homes in the housing meltdown but are now hoping to get back in. Still others may see this as the best time to upgrade to a larger home, downsize to a smaller one, or to move to the retirement locale of their dreams.

The first step when searching for a home is to evaluate the parameters of what you need. Things like square footage, number of bedrooms and bathrooms, these are important characteristics that you'll need to live with. Buying your first home is a big deal, and there are different levels of motivation that will spur people to start searching. Some people need to find a home in as short as two weeks, other people need to take a little bit more time, maybe two to four months; this is a big decision

Whatever your motivation for buying a home, unless you are going to pay cash for the property, there’s one essential step you must take first: get your credit reports and credit scores.

The reason? Your credit scores will help determine what type of home loan financing you can get, and the interest rate you’ll pay. You’ll want to have plenty of time to dispute credit report errors if you find any, and get them fixed. The last thing you want is to find out at the last minute that you can’t buy your dream home because of something on your credit report that shouldn’t be there.

If you will be buying and financing a home with someone else - a partner or spouse, for example - you’ll each want to get your credit reports and scores. Get them from all three major credit reporting agencies; Equifax, Experian and TransUnion, as they each collect their own data and don’t share corrections with each other.

The three-digit number that represents your credit score will be important when it comes to buying and financing a home. A difference of a few points could make a difference in the rate you’ll pay for your mortgage. Mortgage lenders will typically use the middle of the three credit scores to determine the rate/program for which you qualify.

But that doesn’t mean you need to obsess about your score. Doing so can cause you unnecessary grief. After all:
Trying to tweak your scores based on what you think may help improve them can sometimes have the opposite effect.

There are many different loan programs with different credit score requirements. A loan officer can help you shop around to find the right program to meet your needs.

Keep in mind that you have many scores, not just one, so trying to figure out which scores matter most can be an exercise in futility. When it comes time to apply, your lender will pull the credit scores needed to process your application. In the meantime, you can find out where you stand and get an idea of what factors may be strong, and which may not be. Again, no need to obsess over the number.

When it comes to buying a home, your credit scores can help you secure the financing you need to buy the property and pay it off over time. Your credit scores are a tool to help you achieve your personal and financial goals. If you can get the loan you need with the credit scores you have, then be satisfied with that - even if you don’t have the best score your loan officer has seen!

And finally, it’s important to put your scores in context. Mortgage lenders will look at other factors, like your debt-to-income ratios, employment history, and down payment. As any loan officer can tell you, even a perfect score can’t get you a loan if - for example - the appraisal comes in too low, or if you can’t document your income.
more on HomeBuying




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