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Important news before you travel:

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.


https://travel.state.gov
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.
WHY A TIMESHARE PROPERTY MAY BE YOUR PERFECT VACATION ANSWER:

You may not know it but many people throughout the world have Timeshare properties which they use for vacations.

A timeshare is a property with a particular form of ownership or use rights. These properties are typically resort condominium units, in which multiple parties hold rights to use the property, and each sharer is allotted a period of time (typically one week, and almost always the same time every year) in which they may use the property.

Units may be on a partial ownership, lease, or "right to use" basis, in which the sharer holds no claim to ownership of the property.

Two basic vacation ownership options are available: timeshares and vacation interval plans. The value of these options is in their use as vacation destinations, not as investments. Because so many timeshares and vacation interval plans are available, the resale value of yours is likely to be a good deal lower than what you paid.

Both a timeshare and a vacation interval plan require you to pay an initial purchase price and periodic maintenance fees. The initial purchase price may be paid all at once or over time; periodic maintenance fees are likely to increase every year.

Deeded Timeshare Ownership. In a timeshare, you either own your vacation unit for the rest of your life, for the number of years spelled out in your purchase contract, or until you sell it. Your interest is legally considered real property.

You buy the right to use a specific unit at a specific time every year, and you may rent, sell, exchange, or bequeath your specific timeshare unit. You and the other timeshare owners collectively own the resort property.

Unlike a vacation home which may be vacant part of the year, you only pay for what you use. Thus, the use of a very expensive property could be more affordable; for one thing you don’t need to worry about year-round maintenance.

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HOW TO PAY USING YOUR iPHONE OR ANDROID PHONE


With the ever increasing different ways in which you can make payments you can become confused as to what to use. Since most people carry their cell-phones smartphones everywhere (even more than their wallets!) they should be able to use them as a financial tool as well. And so that is why Levelup has become so popular.

LevelUp is an iPhone and Android app that lets you make purchases using your credit card via QR codes that the app displays. Participating merchants simply scan the QR code on your screen, which initiates a credit card transaction, and you're on your way.

LevelUp does not require any special hardware. All you need is an Android smartphone or iPhone/iPod touch. Google Wallet uses a near-field communication (NFC) chip to communicate with PayPass readers, installed at credit card swipe machines at checkouts, but the chip is only on a select few  Android phones.

After you make a purchase, you can see that it went through in your Transaction History, which shows the transaction amount and date, tip and discount applied if applicable, and total charged to your credit card.

Currently, LevelUp is not intended as a replacement for a traditional merchant account. Instead, the service is more of a marketing supplement that also serves as an electronic payment acceptance method. Merchants that wish to join LevelUp’s program simply download an app for their iPhone or Android device and complete a short setup process.

Don’t have an iPhone or Android? Email support@thelevelup.com and we'll send you a LevelUp Card. Paying with LevelUp is just like swiping your card...but faster and more secure. When you try a new place, you'll instantly get a few bucks to spend there. You'll unlock more savings as you go back to your favorite places.

LevelUp is definitely a new way to pay, but it isn't actually a new payment method. It's just linked to your credit or debit card. So at the most basic level, you get all the security of your card PLUS all the security of LevelUp.

They do not store your credit/debit card information on LevelUp's servers. LevelUp has partnered with Braintree, a globally respected payment gateway, to leverage their secure vault solutions for all credit/debit card storage. All data sent to LevelUp's servers is encrypted and our servers are protected by industry standard measures. By leveraging Braintree for storage, we are able to add another powerful layer of security to LevelUp.

With LevelUp, your phone (the payment instrument) never leaves your hand. This is not the case with other payment instruments, such as a credit or debit card, where at a restaurant the waiter/waitress will normally remove your payment instrument from the table, disappear for 5-10 minutes and then return. With LevelUp, the waiter/waitress will bring the LevelUp terminal to your table and complete the transaction in front of you. This process-level security improvement eliminates the window of opportunity responsible for the plurality of identity thefts in the United States.

LevelUp offers a zero cost setup and a month-to-month service agreement with no cancellation fee (likely subject to the return of equipment upon cancellation). Additionally, the company charges no transaction fees (aka: swipe fees) for funds exchanged through its system.  This means that when a merchant accepts a LevelUp payment of $10 from a customer using a LevelUp app, the merchant will get the full $10 without any fees deducted. 

The only fees that LevelUp charges are related to its loyalty and rewards program of which the company charges 40 cents for every dollar of credit used by customers via a promotional campaign. Essentially, this is done in two ways: First, if a merchant wishes to attract new customers by giving them $2 off a $10 purchase using LevelUp, LevelUp will collect a fee against the $2 credit - or $0.80. Second, if a merchant wishes to encourage customer loyalty by giving them a $10 when they spend $100 through the LevelUp app, LevelUp will collect a $4 fee against the $10 credit.  The company states that merchant only pay fees when LevelUp brings tangible value to the merchant of which can be seen using it’s reports and analytics system.


In conclusion, the Levelup payment system is an alternative to keeping your wallet with you. more on levelup





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