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USELFUL LINKS:
State Department Travel Information
FlightAware Flight Tracking
Hotels.com
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TIPS ON MAKING HOTEL RESERVATIONS:

When traveling for business or fun, there’s nothing worse than thinking you have a reservation and learning your hotel reservations been lost, your room has one bed and not two bedrooms, or you thought your check-in time was noon, only to find out it is really 3:00pm. To help avoid these things from happening, there are a few helpful hotel reservation tips seasoned travelers recommend:

Always use a credit card when making a hotel reservation. A credit cards offers the guest some level of protection should the hotel stay go awry. Any disputes a guest may have with the hotel, or with the billing can more easily be rectified through the credit card company. The card company will act as a mediator once their client can show effort to resolve the dispute. Additionally, if a dispute cannot be resolved, the credit card company has the authority to remove the charge from a client’s bill. If cash were paid, a hotel guest would have no recourse. Note: If you don’t use your own credit card to secure a reservation, be aware that the person whose name is on the card will be responsible for showing the card and signing at check in. If the card does not belong to the person staying at the hotel, notify the desk before leaving home (prior to arrival) and ask what their identification procedure is. They may accept a letter from the credit card holder authorizing use, and a copy of both the front and back of the card.

Ask for deals/discounts at each hotel. Many hotels offer corporate, AAA, senior, or even mid-week/off-season discounts. If one is not offered - ask about them. Many hotels now offer ‘rewards’ programs and some hotels reduce rates by $50 or more, for simply signing up for their program. If making reservations online, look for internet-only rates and shop various websites to find the best deals. Travel agents can often secure unadvertised specials or late check-in opportunities which can translate into huge savings.

When making reservations speak clearly and repeat spelling of all names. There have been many reservations lost because of inaccurate spelling and guests have been told they did not have rooms when a hotel or an entire city was booked to capacity. If any special requests are made, verify them and if possible get them in writing. Also make sure to get the name of the employee. Verify everything spell names and verify information/requests etc. Double check reservations prior to leaving for hotel and make sure names of all hotel employees you’ve spoken to are taken.

When reservations are made, changed and cancelled-confirmation numbers are given. Make sure all numbers are kept in a safe place until credit cards are billed and all charges are verified. Cancellation and confirmation numbers are often the difference between being charged for a hotel reservation that was cancelled, the possibility of a free upgrade when the hotel overbooks and you can prove when your reservation was made, and being stranded away from home without a room for the night.
Discuss hotel policies prior to making reservations, and verify them at check-in. Some hotels require credit cards at check in for any hotel charges, such as telephone usage, room service, meals in the hotel, or even take -out arranged through the hotel with area restaurants, etc. If a credit card is not available, a cash/check deposit maybe required for any services/fees that may accrue during the hotel stay. Determine when check-in/check-out times are, when cancellation policies go into affect and verify occupancy limits if staying in a room with multiple occupants.

Remember these hotel reservation tips when scheduling your travel plans. Whether by internet, through a travel agent, or by telephone, it pays to research the hotel and be meticulous when making arrangements. A little pre-planning when making reservations can save major headaches when traveling away from home.


DID YOU KNOW:
FINDING THE BEST HOTEL RATES:
Due to the internet, the manners in which hotel rooms are procured have drastically changed over the last couple of decades. Prior to internet access, guests called hotels directly to book rooms. While some guests continue to book rooms this way, many have learned that calling a hotel directly may not be the most economical choice. However, it is also been found that hotel rates also vary a great deal from website to website, especially discount travel sites.

Hotels are in constant competition with each other for your business. The goal of every hotel is to achieve 100% occupancy. Not only are they competing with each other, they are often competing with themselves. Look at how many hotels have various hotel chain subsidiaries beneath them. They must stay competitive, but still continue to make a profit while keeping their rooms occupied. This said, many hotels offer blocks of rooms to a variety of other entities to sell. Travel agents and online brokers typically compete to sell rooms for hotels, and they receive a percentage of the purchase price. The rate disparity comes into play two ways. First, the hotel is offering rooms at their standard rates or discount club rates. Second, because hotels offer these agents and booking websites various rates, someone who is getting a larger percentage of the sale price, can afford to offer the room at a lower rate than someone who is getting a small percentage from the sale.

Finding the best room rate:
If contacting the hotel directly, ask if they have any current specials. If your travel plans are flexible, inquire about any future specials, and the specific parameters of those specials.

If you’re a ‘select’, ‘rewards’ or hotel ‘member’, mention this, and ask if they have any special discounts available for members of their programs. Additionally, if you are affiliated with a corporate account, or a roadside assistance plan which offers travel benefits, mention that too. Sometimes guests are eligible for more than one discount and can pick and choose the one that provides the greatest savings.

When placing reservations online through a hotel booking service, first find the service that offers the best deal. The best deal may not be the one which provides the lowest price, but the service with the best room guarantee, who is willing to price match. If you’ve found the room for a lower rate elsewhere, tell your preferred vendor and ask them to match the price. Several websites will even provide a 30-day guarantee against lower prices - so even after booking your reservation, stay vigilant.

Hotel rates vary so much because there are numerous entities vying to secure your business by competing with each other. With a little investigative prowess, you can secure the best rates possible for your hotel stay, despite the varying rates.
WHY MOST HOMEOWNERS
USE PROGRESSIVE AUTO INSURANCE:

Progressive is currently the third largest auto insurance company in the U.S. growing at about 17% per year from 1996 thru 2005 reaching total Auto Insurance Revenues of $14 Billion. Most homeowners use Progressive insurance. Progressive is known for innovative claims, distribution, and marketing practices. Progressive may be most famous for offering the quotes of up to four other carriers when you request a quote on their website. Consumer common sense would make you question whether the quotes for the other companies are true "apples to apples" comparisons. If you are shopping Progressive it would be prudent to verify the pricing of the other companies before making a buying decision.

Comprehensive and Collision coverages pay to repair or replace your auto if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage up to the limits you select.

With Collision coverage, your insurance company pays for damage to your auto when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply.

With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply.

Bodily Injury and Property Damage Liability covers your legal liability for a covered accident that involves injury to another person or damage to someone's property, up to the limit of liability you select.

If your limits are 15/30/10, this means:

No more than $15,000 would be paid per person for Bodily Injury
No more than $30,000 would be paid per accident for Bodily Injury
No more than $10,000 would be paid per accident for Property Damage
Example:
You are at fault for an accident that injured two people and damaged another vehicle. The other driver's total medical bills were $1,000 and the other passenger's total medical bills were $1,500.

The damage to the other vehicle was $5,000. All injuries and damages would be covered because they fall within the Liability limits you selected. Each person's injuries were less than $15,000, and the amount for all injuries was less than $30,000. The other vehicle's damage also was below the $10,000 Property Damage Liability limit.

On the other hand, if you are at fault for an accident and the medical bills from the injuries or property damage that you cause exceed your limits of liability, you are responsible for the remaining damage, which might put your personal assets at risk.

Auto Insurance Discounts Available
When you get a Progressive quote, we factor in discounts that apply to you - for example, a discount for multi car insurance if you have multiple cars in the household - and suggest even more ways to save. Discounts differ depending on the state in which your insurance policy is written. You'll see which discounts are applied when you complete your quote.

Here's a sample of the auto insurance discounts that might be included with your Progressive Direct® quote, along with other potential savings opportunities:

Accident Forgiveness - If you have a car insurance policy with Progressive for four years, and you remain accident free for three consecutive years, we won't raise your rates because of an accident that happens after this time - even if you're at fault. There's no charge for Accident Forgiveness, but keep in mind that it applies to the first accident only after the specified time frame.

E-sign - You can save $50 immediately on your first policy simply by signing your documents online when you buy.

Homeowners - Receive a discount on your car insurance simply for owning your house, condo or mobile home.

Multi Car Insurance - Insure more than one car and you'll save money on your car insurance policy.

Snapshot DiscountSM - Take a snapshot of your driving to qualify for a personalized discount. The safer you drive, the more you could save. Find out more about Snapshot and how to sign up.

Pay in Full - Pay for your entire policy up front to get additional savings.

Dozens of Other Discounts - We offer dozens of discounts depending on your state. You can receive discounts for mileage, students, coverage choices and more. Simply complete your quote and we'll
include any applicable discounts for you.



REAL ESTATE TIPS

How Bridge loans are used in Real Estate:
Bridge loans are often used for commercial real estate purchases to quickly close on a property, retrieve real estate from foreclosure, or take advantage of a short-term opportunity in order to secure long-term financing. Bridge loans on a property are typically paid back when the property is sold, refinanced with a traditional lender, the borrower's creditworthiness improves, the property is improved or completed, or there is a specific improvement or change that allows a permanent or subsequent round of mortgage financing to occur. The timing issue may arise from project phases with different cash needs and risk profiles as much as ability to secure funding.

A bridge loan is often obtained by developers to carry a project while permit approval is sought. Because there is no guarantee the project will happen, the loan might be at a high interest rate and from a specialized lending source that will accept the risk. Once the project is fully entitled, it becomes eligible for loans from more conventional sources that are at lower-interest, for a longer term, and in a greater amount. A construction loan would then be obtained to take out the bridge loan and fund completion of the project.

A consumer is purchasing a new residence and plans to make a down payment with the proceeds from the sale of a currently owned home. The currently owned home will not close until after the close of the new residence. A bridge loan allows the buyer to take equity out of the current home and use it as down payment on the new residence, with the expectation that the current home will close within a short time frame and the bridge loan will be repaid.

A bridging loan can be used by a business to ensure continued smooth operation during a time when for example one senior partner wishes to leave whilst another wishes to continue the business. The bridging loan could be made based on the value of the company premises allowing funds to be raised via other sources for example a management buy in.

A property may be offered at a discount if the purchaser can complete quickly with the discount off setting the costs of the short term bridging loan used to complete. In auction property purchases where the purchaser has only 14-28 days to complete long term lending such as a buy to let mortgage may not be viable in that time frame whereas a bridging loan would be.

Bridge Financing For Real Estate:
If you're unable to sell one house while trying to  purchase another You may own no houses for a time, in which case you'll have money in the bank and will need a temporary place to live. Or you may own two houses at once.

You will need to get a bridge loan from a financial institution. If you have no other choice, it may be possible to borrow money from a bank or other lender to bridge the period between when you close on your new house and when you get your money from the sale of your old one. This idea is that you take out a short-term loan on your existing house, using it toward the down payment and closing costs on your new house, and repaying it when your first house sells.

Bridge loans can, however, be far more expensive than regular mortgage or home equity loans (higher upfront payments as well as interest rates), and they're not easy to qualify for -- you have to have plenty of equity in your current home and enough income to pay both mortgage payments indefinitely.


About Us Privacy Contact Streamfare
ABC has had many great shows over the years; below is  a description of one of the more popular shows on ABC Grey's Anatomy.

Grey's Anatomy follows the lives of surgical interns and residents at the fictional Grey Sloan Memorial Hospital (formerly Seattle Grace Hospital, Season 1-6, Seattle Grace Mercy West Hospital, Season 6-9, and then Grey Sloan Memorial Hospital, Season 9-present), as they gradually evolve into seasoned doctors, with the help of their competent mentors. Every installment, typically, commences with a voice-over narrative from Meredith Grey or a season regular, foreshadowing the theme of the episode.

Each season tends to represent the physicians' academic year, with each completed year qualifying the residents at a level higher in the surgical field. The season will always end with a finale, typically involving a tragic event such as a death or character departure.[66] Most installments revolve around the doctors' everyday lives as surgeons, but the show puts an emphasis on their personal, rather than professional, lives. The series sets aside medical ethics concerns to focus on character development and relationships. Although the physicians treat the illnesses of their patients, often through complex surgeries, their primary motivation is customarily praise and competition.

The residents initially arrive at the hospital each morning and dispute with one another over who will care for a certain patient. A hospital superior is in charge of assigning cases, often traversing to tense feelings between the residents and superiors. Episodes migrate back and forth from the doctors interacting with their patients, and with their co-workers. Once assigned a case, each doctor diagnoses the patient, with the help of his or her attending physician, which usually leads to surgery.

The surgeons tend to form personal connections with their patients, with a patient often conveying a message to his or her doctor, which unintentionally relates to the doctor's private life. The show displays the growth of relationships between the doctors, either friendly or sexual, often stemming to a clash between their personal and professional lives. Emotional scenes are often accompanied by an indie rock background song, something that has become a hallmark of the series. At the conclusion of each episode, Meredith delivers another voice-over, typically contrasting or following up on her initial one.

List of other great shows on ABC:
ABC Dramas Shows:
Grey's Anatomy
Castle
Rookie Blue
Revenge
Once Upon a Time
Scandal
Nashville
Motive
Mistresses
Agents of S.H.I.E.L.D.
Resurrection 2014-present)
Black Box
Modern Family
The Middle
Last Man Standing

Late night
Jimmy Kimmel Live!

News Shows:
ABC World News
Good Morning America
20/20
Nightline
This Week
America This Morning
Primetime
World News Now

REALITY SHOWS:
America's Funniest Home Videos
The Bachelor
The Bachelorette
Dancing with the Stars
Wipeout
Shark Tank
Extreme Weight Loss
Secret Millionaire
Celebrity Wife Swap
The Taste
Bet On Your Baby
Whodunnit?