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                 VACATION TIPS


Do you have some vacation time coming up? If you make a trip you will need to make some plans such as flight arrangements or hotel reservations. Whether you are going to visit family or you plan to take your family to a ski vacation or travel abroad.

No matter what you choose to do you can find great deals on your trip. You can shop around for the best airline deals or even hotel deals which can save you hundreds on your trip.

One way to limit the expense that all of this creates, is to book an all inclusive vacation. While this will not alleviate all of the things an individual has to think about, it will help to reduce the amount of planning that is needed.

All inclusive vacations usually include accommodations, meals, tips, and taxes are included in the package. Sometimes, they can also include attractions, airfare, and transportation as well. To find an all inclusive vacation that fits the needs of an individual, several things should be taken into consideration.

All inclusive vacations wrap the cost of all these expenses into one. That is not to say that an individual can not find great deals on these items individually. But, often an all inclusive vacation includes all of this at a discounted rate.

If considering an all inclusive vacation, one should check out the deals that are available. Individuals who are really looking for the best deal should take the time to find out if all inclusive vacations they have found are a better deal. But, in the end, they can find all this information and do so from their home.

The Internet is a great tool in planning a vacation, including an all inclusive vacation. Most big attractions have all inclusive vacations planned for them. To find the options available to anyone, it is as simple as finding the right Internet sites.

An all inclusive vacation may be just the thing to help make planning a vacation less of a struggle and more of an enjoyment. And, it may just save some money!

Often times we want to take our children to see the things we saw when we were younger. It would be nice to see some new destinations as well. Either way, we want to do a lot but don't always have the funds. So, we are always in search for a deal. There are many out there to be had. Here are some quick ideas.

Saving on airfare is all about shopping around. Compare the different offers each company has. Can you fly in mid week and avoid weekend charges and busy times? Flying at night or at odd times can also increase your changes of getting a deal.

Once you get to your destination, you'll need a place to stay and a car to drive. The best way to get deals on these is to plan ahead. Making reservations ahead of time can be the best way to lower your cost. Cutting out extra charges on things you don't need, or won't use, also helps. No need for that car to come with a DVD player if you only plan to drive short distances. Along the same lines, you probably won't have time to watch all those movies on cable either. Eliminating these extras can lead to extra cash in your pocket.

Saving money on travel doesn't need to stop there. You can save money on travel in just about every aspect by planning and research. Take the time to compare different companies, then choose the best option for you. Also, take a box of cereal and pick up a gallon of milk instead of spending a ton on breakfast.

Grab a local newspaper to see if there are deals in there for area restaurants. The local family diner may have some great food at reasonable prices but is overlooked because of all those glaring signs in tourist's face.

Being able to find a deal on travel is a great advantage. Saving some extra cash can truly make your vacation more worthwhile. Since so many people just don't get enough vacation time, getting the most out of what they do get is key. So, take some time and find the best travel deals out there for yourself. There are so many different ways you can find great deals but online appears to be the best way. Just do a quick search and you will find what you are looking for which will save you money!

          HOW TO MAKE
    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.



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HOW TO CONTEST A FORECLOSURE



How you contest a foreclosure depends  on where you live because each state has it's own laws and rules regarding real-estate. If your state requires the foreclosing party to sue you (judicial foreclosure), then it may be a little easier (and less expensive) to jump into the existing lawsuit. If your state allows foreclosures to proceed without court supervision (nonjudicial foreclosure), then you’ll have to bring your own lawsuit-a challenging and expensive process.

The right of redemption is an equitable right, foreclosure is an action in equity. To keep the right of redemption, the debtor may be able to petition the court for an injunction. If repossession is imminent the debtor must seek a temporary restraining order. However, the debtor may have to post a bond in the amount of the debt. This protects the creditor if the attempt to stop foreclosure is simply an attempt to escape the debt.

A debtor may also challenge the validity of the debt in a claim against the bank to stop the foreclosure and sue for damages. In a foreclosure proceeding, the lender also bears the burden of proving they have standing to foreclose.

If you are motivated to contest the foreclosure because you want to keep your home indefinitely, then hiring an attorney to explain not only the stated laws but also the specific documents that are necessary for your jurisdiction is the best course of action.

Foreclosures are broken into two categories, judicial and non-judicial. While the end result  is usually the same, an auction of the home, the judicial foreclosure involves the court, but the non-judicial does not. In addition, a judicial foreclosure will take longer to complete, as it must be processed through the court system for the jurisdiction where the house is located. As the process unfolds, it is the responsibility of the bank or lender to petition the court to rectify the status of non-payment. This court action is known as lis pendens, which translates literally to "litigation is pending."

In judicial foreclosure states, the foreclosing party must bring a lawsuit to get the foreclosure started. In the process you will be notified of the foreclosure lawsuit when papers called a summons and complaint are delivered to (served on) you. They will advise you of the law­suit and give you a period of time within which you must respond if you choose to contest it. Also, the foreclosing party will have the burden of proving to the judge that the foreclosure is justified under the terms of the mortgage.

You can respond or not; it's your choice. Either way you do respond, the mortgage holder will be required to prove that the foreclosure is legal (although if you don’t respond, the chances are excellent that the foreclosure will go through). The proof will typically consist of a thick bundle of documents containing various papers that you signed when obtaining or refinancing your mortgage. There will also be notices, signed agreements, internal accountings of payments both made and missed, and written statements under oath (called declarations or, if sworn before a notary public, affidavits) from lender and mortgage servicer officials who have knowledge of:
-your missed payments
-the lender’s compliance with your state’s laws regarding foreclosure procedures, and
-the circumstances through which your lender came to own the mortgage.

Surprisingly, as a general rule, if you don’t point out errors or omissions in the paperwork, the court will accept the papers as evidence that will support a foreclosure judgment and order for sale.

If you choose to respond, you will have the chance to inform a judge just why you think the papers are wrong and that foreclosure should not be approved. To contest the foreclosure, you can file a simple form, called an answer in most places. In it, you state your factual and legal arguments for opposing the foreclosure. In this form you must include all the reasons and facts that pertain to you mortgage.

If you have evidence of your own regarding these issues, you also can file your own sworn statements. For example, if the lender claims that you missed five payments, but you can prove (typically with canceled checks) that you missed only one, you would submit a statement under oath to that effect and attach your canceled checks.

The court clerk will set a date for a hearing, at which the judge will hear arguments on the paperwork submitted by both sides. After the hearing, the judge may:
-make a decision based solely on the paperwork
-postpone the hearing for a month or two to give the ­parties more time to gather more information. For example, if the paperwork filed by the foreclosing party doesn’t show authorization to bring the foreclosure lawsuit, the judge may continue the hearing for a month so that the foreclosing party can bring in additional documentation, or

-decide that the information in the paperwork is inadequate and schedule an “evidentiary” hearing a month or two later at which the parties will present their cases through live witnesses who can be questioned by the judge and cross-examined by the other side. For example, if there is conflict over missed payments, both you and an official from the mortgage servicer would testify, and the judge would decide which of you is most likely telling the truth.

After any later hearings, the judge will either order the foreclosure to go ahead (and in many states, set the sale date), or dismiss the case, sending the lender back to the drawing board. Thi will conclude the foreclosure process for your case.

Redemption periods have been written into the state codes for a great number of jurisdictions that provide judicial foreclosures. Such a period can be anywhere from six months to a year in length and provides you with additional time to gather the necessary funds to ensure continued ownership of your home. In fact, even after negotiations with the bank have failed or,  further still, the house has been sold at auction, the redemption period provides one final opportunity to get the house back. Even in the eleventh hour of the redemption period, if you are able to secure the funds, you will legally be eligible to regain ownership of the home--and at auction price. more on foreclosures




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