Important news before you travel:
If you live 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.
THE WILDERNESS OF ALASKA
Alaska is more than just the largest state in America it is one of the largest natural untouched places in the world. There is so much to do and see in Alaska whether you prefer to hike on an ice age glacier...read more
ALASKA'S BEST VACATION RESORT
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
MOUNT RAINIER VOLCANO
An active volcano, Mount Rainier is the most glaciated peak in the contiguous U.S.A., spawning six major rivers. Subalpine wildflower meadows ring the icy volcano while ancient forest cloaks Mount Rainier’s lower slopes...read more
YOSEMITE NATIONAL PARK
Yosemite National Park is located in California’s Sierra Nevada mountains. It is best known for its waterfalls, but within its nearly 1,200 square miles, you can find deep valleys, grand meadows, ancient giant sequoias, a vast wilderness area, and much more. More than 5 million people visit Yosemite each year....read more
NEW YORK'S JFK AIRPORT
JFK international airport is located 15 miles by highway from midtown Manhattan. JFK’s terminals, parking lots and hotels operate 24 hours a day, 365 days a year and cover more than 880 acres.
If you choose to enter the terminal with the passenger, please be aware that only ticketed passengers will be allowed past the security checkpoint. However, you may enjoy any of the areas before security. As an alternative, you may drop off your passengers at the Kiss and Fly located at the Lefferts Boulevard AirTrain Station where they can ride AirTrain free of charge to their terminal in just 10 minutes.
Electric Vehicle Charging
Air travelers who own electric vehicles can charge them at Kennedy International....read more
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HOW CREDIT CARD FEES DRAIN YOUR SAVINGS
Everyone knows that interest rates make credit card very expensive to have and maintain but few people know that fees are the real source of money loss.
Your credit card will come with a credit limit -- the maximum amount of credit that will be extended to you. In the past, if a particular credit card charge would put you over your credit limit, the transaction would be rejected. If you wanted to make a charge that would put you over the limit, you had to pay down your balance first.
In recent years, credit card companies allowed customers to make charges that put them over the limit. Of course, this convenience did not come free -- the companies charged hefty fees for over-limit charges, and usually did not tell customers that they were going over the limit.
This changed somewhat with the enactment of the Credit Card Accountability and Disclosure Act of 2009 (the CARD Act). Under the rules of the CARD Act, a credit card company cannot charge over-limit fees unless you “opt in,” that is, agree in advance that the company can allow transactions that would put your balance over the credit limit. Even if a credit card company processes a transaction over your limit, if you did not opt in, the company cannot charge you an over-limit fee.
The Credit CARD Act is often called the Credit Cardholders Bill of Rights. President Obama signed the bill into law in May, 2009. Many of the most significant provisions of the law took effect in February, 2010. The law has two main purposes:
Fairness - Prohibit certain practices that are unfair or abusive such as hiking up the rate on an existing balance or allowing a consumer to go overlimit and then imposing an overlimit fee.
Transparency - Make the rates and fees on credit cards more transparent so consumers can understand how much they are paying for their credit card and can compare different cards.
If you do opt in, the company can charge over-limit fees. The CARD Act places some limits on those fees. The company can only charge you one over-limit fee per billing cycle, but it can charge for the same over-limit transaction in a total of three billing cycles if you do not bring the outstanding balance below the limit before the bills are due.
The best strategy to avoid over-limit fees is simple-don’t opt in! And don’t add an over-limit protection plan. This may require some diligence on your part, so that you don’t accidentally opt in. For example, a credit application may have a box to check or a line to initial or sign that is really an agreement to allow over-limit transactions.
Not sure if you may have opted in by mistake? If you opt in, the company must provide a written statement confirming you agreed to let them process over-limit transactions. You can revoke this agreement at any time. (The over-limit fees would still apply to over-limit transactions already processed.) You can revoke the agreement with the same method you used to opt in.
So, if you opted in by phone, you can revoke your agreement with a phone call. Not certain how you opted in? Contact your credit card company and find out. As always, send a confirmation letter in case there is a dispute later.
Many credit card companies charge penalty fees for:
• late payments
• over-limit charges (if you opt in), and
• payments returned for insufficient funds.
The CARD Act limits these fees to the actual amount the violation cost the company, or to a maximum of $25 for the first violation and $35 for a second violation (if it occurred within six billing cycles of the first violation). Still, these fees can add up. Be sure to pay your bill on time and make sure you have enough money in your bank account to cover your payment.
Only about 5% of credit cards charge annual fees, so look for one that doesn’t. But, you also have to look out for other fees. New fees seem to pop up all the time. Now that the CARD Act has limited the amount of fees for late payments, returned payments, and over-limit charges, credit card companies may get even more creative in finding ways to add fees. For example, one card targeting people with poor credit charges a one-time $45 “processing fee.” Some of these fees may not be included in the written disclosures.
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