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.
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.
GETTING A LOAN AFTER BANKRUPTCY
Debt got you down? You’re not alone. Consumer debt is at an all-time high. Whether your debt dilemma is the result of an illness, unemployment, or simply overspending, it can seem overwhelming. In your effort to get solvent, be on the alert for advertisements that offer seemingly quick fixes. While the ads pitch the promise of debt relief, they rarely say relief may be spelled b-a-n-k-r-u-p-t-c-y. And although bankruptcy is one option to deal with financial problems, it’s generally considered the option of last resort. The reason: its long-term negative impact on your creditworthiness. Bankruptcy information (both the date of your filing and the later date of discharge) stays on your credit report for 10 years, and can hinder your ability to get credit, a job, insurance, or even a place to live.
If you have filed for bankruptcy personal loans are still possible but they won't be easy to get and you may be limited to the same type of bad credit personal loan that other borrowers are able to find. Once the bankruptcy has been discharged, the bankruptcy stays on your credit report for 7 years. Then, slowly the discharged creditors start to disappear from the the credit record.
Bankruptcy personal loans are made available by lenders who are willing to take a chance on someone who has unpaid debt. These interest rates are higher than those rates offered to someone with a good credit rating. But at least, there is financing available for consumers who sincerely want to turnaround their poor money management habits. These high interest plans often provide an immediate financial boost which can provide some families with tools for success.
The most common type of after bankruptcy personal loans is the payday loan which is guaranteed by the debtor's next paycheck. While this may solve an immediate problem, one needs to use caution, because it could mark the beginning of another downward spiral into financial trouble. Certain Internet companies advertise unsecured borrowing as high as $10,000.00. All of these are limited in terms and carry a high interest rate.
Collateral is usually required for after bankruptcy personal loans. The after bankruptcy personal loan for a car is secured by the automobile itself. A home equity loan has the house as collateral.
There are many factors which contribute to having bad credit, and a bankruptcy is just one type of event that can lower your credit score.
Considering Bankruptcy Personal Loans:
If you are seeking bankruptcy personal loans because you've hit another bump in the road following your bankruptcy, then virtually all lenders are going to be extremely wary. You already have a pattern of not handling your debt and now you have the appearance of falling back into that same pattern.
If, however, you are looking for a personal loan following bankruptcy as a way to buttress your credit situation, then you may have a better chance. You will only get loans with high interest rates, but a lender could view you as someone trying to turn around a difficult situation. And, depending on how long it's been since the bankruptcy, there are rules against filing a second bankruptcy too soon.
Contacting Lenders Online for Bankruptcy Personal Loans:
You can certainly get in touch with lenders no matter the reason you need the loan. But you will find it difficult for most lenders to grant bankruptcy personal loans because you have the profile of someone running into the worst kind of financial trouble for a second time. However, lenders will see your credit report and will be able to distinguish if you are in financial trouble or if you are trying to establish credit.
If it's the latter, you just may be able to convince a lender to give you a loan - though you will also need to determine if the high interest rate involved is worth the effort to improve your credit. Perhaps getting a secured credit card is a better way to start.
No Credit Check Bankruptcy Personal Loans:
But if the motivation is strictly for money because of a financial emergency, there are a couple of alternatives that should work - though they are risky and the interest cost will be high - even for borrowers with bankruptcies on their records.
These usually don't involve a credit check because the loan is secured by the valued of a piece of property - often a vehicle. The interest rate will still be high, but the lender is protected because if you default, you turn over the title to the property.
These also don't rely on a look at your credit history. Instead, the lender is protected by your employment and the paychecks you are regularly receiving. Make sure the loan is absolutely necessary, because payday loans involve exceptionally high interest and allow only a short time for repayment.
These bankruptcy personal loans are often no more than $1,500 and are only given out if you can prove regular employment and have a checking account. You have a pay period to pay back the loan plus interest, or more interest is added to the loan and you have until the next pay period to at least pay that interest off. Always check with the Better Business Bureau before pursuing any title loan or payday loan. more on bankruptcy