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USELFUL LINKS:
State Department Travel Information
FlightAware Flight Tracking
Hotels.com
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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.
AIRPORT TIPS YOU CAN USE

To make your way to a flight on time and to get throught security as quickly as possible you can try the following tips:

1) Sign up. The TSA's PreCheck, a trusted traveler program, has spread to more cities across the U.S. and is now available at some 40 airports. Members of the program are pre-screened and can then whiz through security, sometimes without having to take off their shoes or remove laptops from cases. The U.S. Customs Department's Global Entry program is another shortcut for frequent international travelers, especially as the federal government contracts and customs lines potentially get longer.

Critical Security Checkpoints:
To make clearing security as easy as possible...
-Review the guidelines for liquids and gels on your Flight carriers Carry-On Baggage page before your flight.
-Have your government-issued photo identification and boarding pass ready for inspection.
-Wear shoes that are easy to slip on and off, since all footwear must be x-rayed.
-Remember to place all coats and jackets in a bin for x-ray screening.
-Make your laptop easily accessible for inspection.
-Avoid wearing anything metal or place these items in your carry-on baggage for screening

2) Check flight status. Although this is obvious, many people often fail to do this one simple but critical thing.

I recommend doing the same before abandoning your ride or your car just before you head to the terminal; flight status updates change by the minute, so a last-second check is always a good idea.

Most airlines will text you flight status updates if you sign up on their Web sites, and sites like Flightaware.com do the same by text, on the Web and through smartphone apps.

4) Check in online. Especially if you are not checking bags, this can save you a heap of time. I have found that when checking bags, having the pre-printed boarding pass in your hand doesn't help all that much, and check-in agents often reissue another boarding pass when you check in your bags -- but it sure doesn't hurt.

5) Before you leave for the airport, put your ID, credit card and boarding pass (if applicable) in an easily accessible part of your wallet or bag. There are two reasons for this: one, by going through this exercise, you make sure that you don't leave home without these crucial items. Two, you don't waste your (and other people's) time fumbling around for them at the moment you need them.

Check the airport parking situation online. Knowing ahead of time where to park, which lots are open and how far they are from the terminal can save you a lot of anxiety on your drive in, as well as keep you safer as you navigate tortuous and almost always poorly marked airport ring roads. Additionally, during peak travel periods, lots fill up quickly, so you will want an alternate parking plan.

When you are ready to board always take inventory of what you will need to do when you get to the front of the security line. Do a quick mental review of everything you are wearing that you will need to remove (such as shoes, jewelry, watch, jacket), and what you have inside your carry-on bag that might need to be taken out (liquids, electronics). When you get to the front of the line, blast through your mental inventory and make it happen. Done well, you can go from fully clad for winter weather, with laptops and iPads in your bag, to a T-shirt, pants and socks, and all your sensitive electronics in their own bins, in seconds.

Using these tips will get you through the airport, on your flight and towards your destination as quickly as possible.

more traveler informaiton tips available at the TSA website:
About Us Privacy Contact Streamfare
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!




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