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.
WHY QUICKEN LOANS
IS A PREFERRED CHOICE FOR MORTGAGES
Many home buyers have learned the secret to getting a good mortgage rate by using Quickine-Loans. Quicken Loans, is a solid company offering individuals the chance to refinance online, and with superior technology, receive the loan in less than half the time it takes others. There are many different options with Quicken Loans, as well as site tools and information to help individuals decide specifically which route they’d like to take and what options are best for their unique situations. With a user-friendly website, Quicken Loans is a great option for borrowers looking to refinance.
By using Quicken loans homeowners can maximize your return on investment - lower their monthly mortgage payment and increase their rental income. You can use the equity in your rental property to buy additional property or fund other investment opportunities. Quicken Loans allows you to invest in properties with up to four units, and you can refinance at anytime with no prepayment penalties.
With Quicken Loans, home buers have all the information they need on-site to understand the different types of mortgage and refinance options. From variable rates to fixed rates and more - Quicken Loan’s has guides that can help you to understand what would best suit your own needs. Along with the mortgage calculators and the ability to check the most recent rates, this is very helpful. Quicken Loans also allows you to apply for the FHA streamline refinance for your FHA loans, and with their technology, they can close the loans in half the time of other lenders.
Quicken Loans is a superb lending service. They provide the important information individuals need to determine what steps to take next, tools that will help them access important information and statistics, and excellent customer service. Being BBB accredited, individuals know that Quicken Loans strives to follow the strict guidelines regarding customer service and satisfaction. They also have a number of options when it comes to refinancing - from the typical fixed rate and APR refinancing to jumbo loans and FHA refinancing. They’re a great company to go with for those who may be considering refinancing.
YOURgage loan features:
YOU pick your term, from 8 to 30 years, all with fixed mortgage rates
Refinance up to 95% of your primary home’s value
Buy a home with as little as 5% down (primary home)
Loan amounts from $25,000 to $417,000
How the YOURgage works for you
Stay on Track With Your Current Term:
You’ve been paying seven years on a 30-year fixed mortgage and do not want to go back up to a 30-year term. The YOURgage allows you to refinance at 23 years to stay on track. The YOURgage offers you this kind of flexibility!
Pay Off Your Mortgage More Quickly:
You pay extra towards your mortgage every month to pay it off as soon as possible, but you’re unhappy with your high mortgage interest rate. The YOURgage is your answer! Now you can choose a lower term, with a potentially lower interest rate, to help you pay off your loan in less time.
Choose a Term Based on Your Budget:
Tell us how much you can afford and let our team find a term to fit your financial needs. The YOURgage terms can be tailored to match your budget, and can potentially shave off years of the life of your loan and thousands in interest!
Match Your Term to Life Events:
If you’re thinking about retiring soon, or have a child going to college, and want to free up some money by paying off your home loan early, the YOURgage is a great option for you! Use the YOURgage to help you eliminate the financial burden of a monthly mortgage payment at the time when you’ll need that extra money the most.
So if you are thinking of mortgages you should give this company a try for one of the best reasons that there is; Quicken Loans has a good track record and very satisfied customers. This is why we here at Streamfare recommend them!