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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.

Due to the internet, the manners in which hotel rooms are procured have drastically changed over the last couple of decades. Prior to internet access, guests called hotels directly to book rooms. While some guests continue to book rooms this way, many have learned that calling a hotel directly may not be the most economical choice. However, it is also been found that hotel rates also vary a great deal from website to website, especially discount travel sites.

Hotels are in constant competition with each other for your business. The goal of every hotel is to achieve 100% occupancy. Not only are they competing with each other, they are often competing with themselves. Look at how many hotels have various hotel chain subsidiaries beneath them. They must stay competitive, but still continue to make a profit while keeping their rooms occupied. This said, many hotels offer blocks of rooms to a variety of other entities to sell. Travel agents and online brokers typically compete to sell rooms for hotels, and they receive a percentage of the purchase price. The rate disparity comes into play two ways. First, the hotel is offering rooms at their standard rates or discount club rates. Second, because hotels offer these agents and booking websites various rates, someone who is getting a larger percentage of the sale price, can afford to offer the room at a lower rate than someone who is getting a small percentage from the sale.

Finding the best room rate:
If contacting the hotel directly, ask if they have any current specials. If your travel plans are flexible, inquire about any future specials, and the specific parameters of those specials.

If you’re a ‘select’, ‘rewards’ or hotel ‘member’, mention this, and ask if they have any special discounts available for members of their programs. Additionally, if you are affiliated with a corporate account, or a roadside assistance plan which offers travel benefits, mention that too. Sometimes guests are eligible for more than one discount and can pick and choose the one that provides the greatest savings.

When placing reservations online through a hotel booking service, first find the service that offers the best deal. The best deal may not be the one which provides the lowest price, but the service with the best room guarantee, who is willing to price match. If you’ve found the room for a lower rate elsewhere, tell your preferred vendor and ask them to match the price. Several websites will even provide a 30-day guarantee against lower prices - so even after booking your reservation, stay vigilant.

Hotel rates vary so much because there are numerous entities vying to secure your business by competing with each other. With a little investigative prowess, you can secure the best rates possible for your hotel stay, despite the varying rates.
Generally a home equity loan, a second mortgage, or a home equity line of credit (HELOC) have strict requirements for income and creditworthiness. Also, with other traditional loans the homeowner must still make monthly payments to repay the loans. A reverse mortgage generally has no  credit score requirements and instead of making monthly mortgage payments, the homeowner receives cash from the lender.

With a reverse mortgage the amount that can be borrowed is determined by an FHA formula that considers age, the current interest rate, and the appraised value of the home. Typically, the more valuable the home,  the higher the loan amount will be, subject to lending limits.

A reverse mortgage gives over part of your homes equity to a lender and they in turn give you a monthly payment (reverse of a normal mortgage) but you need to either own the home completely or have a very low balance and it is only for people over the age of 62. You don't have to pay the money back the balance you received is simply given back to the bank when the home is sold or property rights transferred. A equity loan is basically a second mortgage on a home, the property is used as collateral the bank gives you a certain amount either as a lump sum or line of credit and you make regular monthly payments.

To summarize the key differences, with traditional loans the homeowner is still required to make monthly payments, but with a reverse mortgage the loan is typically not due as long as the homeowner lives in the home as their primary residence and continues to meet all loan obligations. With a reverse mortgage no monthly mortgage payments are required, however the homeowner is still responsible for property taxes, insurance, and maintenance.

A reverse mortgage is a form of equity release (or lifetime mortgage). It is a loan available to home owners of retirement age, enabling them to access a portion of their home's equity. The home owners can draw the mortgage principal in a lump sum, by receiving monthly payments over a specified term or over their (joint) lifetimes, as a revolving line of credit, or some combination thereof.

In a conventional mortgage the homeowner makes a monthly amortized payment to the lender; after each payment the equity increases by the amount of the principal included in the payment, and when the mortgage has been paid in full the property is released from the mortgage. In a reverse mortgage, the home owner is under no obligation to make payments, but is free to do so with no pre-payment penalties. The line of credit portion operates like a revolving credit line, so a payment in reduction of a line of credit increases the available credit by the same amount. Interest that accrues is added to the mortgage balance.

Title to the property remains in the name of the homeowners, to be disposed of as they wish, encumbered only by the amount owing under the mortgage.

If a property has increased in value after a reverse mortgage is taken out, it is possible to acquire a second (or third) reverse mortgage over the increased equity in the home in some areas. However most lenders do not like to take a second or third lien position behind a reverse mortgage because its balance increases with time. It is rare to find reverse mortgages with subordinate liens behind them as a result. A reverse mortgage may be refinanced if enough equity is present in the home, and in some cases may qualify for a streamline refinance if the interest rate is reduced.

A reverse mortgage line is often recorded at a higher dollar amount than the amount of money actually disbursed at the loan closing. This recorded lien is at times misunderstood by some borrowers as being the payoff amount of the mortgage. The recorded lien works in similar fashion to a home equity line of credit where the lien represents the maximum lending limit, but the payoff is calculated based on actual disbursements plus interest owing.
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Univision is a Spanish-language television network in the United States. It has the largest audience of Spanish-language television viewers according to Nielsen ratings. Randy Falco, (CEO as of June 29, 2011) COO, has been in charge of the company since the departure of Univision Communications president and CEO Joe Uva in April 2010. In recent years the network has reached parity with the U.S.'s five major English-language television networks, and is often a strong fifth, outranking The CW, with some fourth-place weekly placings during the summer months due to the network's consistent schedule of new telenovelas all 52 weeks of the year.

Univision is headquartered in Los Angeles, and has its major studios, production facilities, and operations in Doral, Florida, a suburb of Miami. In 2009, another television studio was announced, Univision Studios, to be built in Doral.

Univision is available on cable and satellite in most of the country, with local stations in over 50 markets with large Hispanic and Latino populations and a national cable network feed distributed in markets without either the availability or the demand for a locally-based station. Most of these stations air full local news and other local programming in addition to network shows, and in major markets such as Los Angeles, New York, and Miami, Univision owned-and-operated station (O&O) newscasts are equally competitive with their English-language counterparts ratings-wise.

The lion's share of Univision's shows comprises of arrangement delivered and show by Mexican telecast system Televisa and Venezuelan telecast system Venevision, however a lot of Univision's telenovelas are created by Televisa.

The popular program, the Saturday night theatrical presentation Sabado Gigante, facilitated by Don Francisco, has circulated on Univision since 1989; in that capacity, Univision is one of just three American broadcasting companies that pretense a first-run program amid Saturday primetime (Fox and CBS are the main others). Circumstance comedies and theatrical presentations to a great extent make up Univision's weekend lineup.

Univision HD is a 1080i high definition simulcast feed of the main Univision network that began operations on January 1, 2010 at 12:02 a.m./ET on its New York and Los Angeles affiliates WXTV-DT and KMEX-DT, respectively. Univision's first program to be televised in high definition was the Tournament of Roses Parade, later that day.On January 18, 2010 Univision began airing Hasta que el Dinero nos Separe in high definition, it becoming the first telenovela on the network to be so transmitted. The telenovelas Un Gancho Al Corazon and Sortilegio also began airing in high definition on that date. Most other telenovelas now air in HD as well.

All of Univision's 2010 FIFA World Cup coverage was also in HD. Noticiero Univision, Primer Impacto, ¡Despierta América!, Al Punto, Mira Quien Baila, and ¡Viva la Familia! have began airing in HD as well. Some movies also air in HD. DirecTV added the East Coast HD feed on April 28, 2010. Dish Network has been broadcasting the HD feed since May 12, 2010.
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