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USELFUL LINKS:
State Department Travel Information
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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
        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.



  WHY WHISTLER SKI RESORT IS ONE OF
NORTH 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

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. Using a credit card 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.
      ALYESKA RESORT - ALASKA'S BEST
                 VACATION RESORTS

Alyeska Resort is one of Alaska's most popular and most beautiful ski resorts. Alyeska has a top elevation slightly above 2,700 feet, a vertical drop of 2,500 and the area gets an average annual snowfall of 631 inches...read more

       GOING TO LONDON'S HEATHROW?

Heathrow Airport is used by over 90 airlines flying to 170 destinations worldwide. The airport is the primary hub of British Airways, and is a base for Virgin Atlantic. With 190,000 passengers arriving and departing every day, Heathrow handles more international passengers than any other airport in the world.

Of Heathrow's 69 million passengers in 2011, 7% were bound for UK destinations, 41% were short-haul international travellers and 52% were long-haul. The busiest single destination in passenger numbers is New York, with over 3.8 million passengers between Heathrow and JFK / Newark airports in 2011. The airport has five passenger terminals (numbered 1 to 5) and a cargo terminal.

Full body scanners are now used at the airport, and passengers who object to their use after being selected are not allowed to fly...read more
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HOW MORTGAGE GOOD FAITH ESTIMATES WORK


A Good Faith Estimate (GFE) is a form that lists basic information about the terms of a mortgage loan for which you've applied.

The GFE includes the estimated costs you'll have to pay for the home loan. The Good Faith Estimate provides you with basic information about the loan, which will help you:

-Compare offers
-Understand the real cost of the loan
-Make an informed decision about your loan choice

The lender or the mortgage broker must provide you with a GFE within three business days of receiving your application or other required information. You can't be charged any fees until you get the GFE and indicate that you plan to take out the home loan. But you can be charged a credit report fee.

If the lender denies your application within three business days, it does not have to provide you with a GFE. Within 30 days, your lender has to tell you:

Why your application was denied, or
That you have 60 days to request the reason why it was denied
Tip: You don't have to take the mortgage loan even if you receive a GFE. The lender also doesn't have to give you the loan even if it provides a GFE.

A good faith estimate, referred to as a GFE, must be provided by a mortgage lender or broker in the United States to a customer, as required by the Real Estate Settlement Procedures Act (RESPA).  The estimate must include an itemized list of fees and costs associated with the loan and must be provided within three business days of applying for a loan.

These mortgage fees, also called settlement costs or closing costs, cover every expense associated with a home loan, including inspections, title insurance, taxes and other charges.

Closing fees, also called settlement costs, cover almost every expense associated with your home loan. Because closing costs typically amount to between 3 percent and 5 percent of the sale price, it is best to wait until you receive the good faith estimate before committing to a loan. Smart shoppers obtain good faith estimates from two or more lenders, compare their costs and ask questions about any large discrepancies.

A good faith estimate is a standard form which is intended to be used to compare different offers (or quotes) from different lenders or brokers.

The good faith estimate is only an estimate. The final closing costs may be different; however the difference can only be 10% of the third party fees. Once a good faith estimate is issued the lender/broker cannot change the fees in the origination box.

When you apply for a home loan, a lender is required to provide what's know as a mortgage good faith estimate, often abbreviated as GFE, to you within three days or less. This stipulation is set forth by the Real Estate Settlement Procedures Act, RESPA for short. The provision says that a lender must present a general summery of the costs and expenses that the borrower will have to deal with at the time he or she closes on a piece of property.

Is a Mortgage Good Faith Estimate Accurate?
Although the good faith estimate should be accurate, lenders aren't necessarily legally bound to their GFEs. However, most lenders try to honor good faith estimates as closely as possible in order to avoid developing a bad reputation with customers. You can check out reviews of lenders through online consumer advocacy sites and other third party protection sources to make sure that you do business only with lenders that have good track records with their GFEs.

However, even with reputable lenders, the GFE may not be completely accurate after application due to closing costs, lawyers' fees, investor charges, and other various costs that are not necessarily within the control of the lending institution. If a buyer and seller agree to use a particular attorney, for instance, and that attorney charges more than what the lender estimated, the final cost of the closing cost may be higher than the GFE -- through no fault of the lender.

Lenders will generally let you know in writing if the original GFE is going to be substantially off. If you see that the final costs exceed 16 percent of the GFE, a red flag should go up. Scrutinize the contract, and ask your lawyer to go over any requirements that you don't fully understand.

Remember that once you sign your contract with the lender, the act is legally binding, and it can be very difficult to get out of an unfair agreement.

The Good Faith Estimate is standardized. All lenders must provide consumers with the exact same document. Loan charges, third-party fees, and other costs must be displayed uniformly. Previously, lenders were not uniform in their interpretations of what fees should be included on the Good Faith Estimate and where such fees should be disclosed.

The GFE should cover closing costs and the amount of cash the borrower needs to close on the agreement. It should also detail which if any prepaid expenses must be handled and the average monthly payment the borrower will have to countenance to keep up with the loan. Therefore, the mortgage good faith estimate should give you a fairly good idea of what you will ultimately have to pay. more info at Consumerfinance.gov




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