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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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WHAT YOU SHOULD KNOW BEFORE
YOU SPEND MONEY ON A NEW HOME 




If you are thinking about buying a home you have to understand some very important things before you spend your money. First, take a look at your budget and determine how a house fits into it. Fannie Mae recommends that buyers spend no more than 28% of their income on housing costs. Go much past 30% and you risk becoming house poor.

This is a major financial transaction in your life, so don't try to save money when it comes to legal fees. Even if your mortgage company provides a lawyer, hire your own to help draft all documents and to ensure that your interests are being represented at every step of the process.

Many people harbor secret fears about buying a home, and some of those fears are justified. Not everybody is cut out to own a home, and if you're one of those people, it's better to find this out now than when you're under contract.

Renting vs. Buying
You might decide that renting is better for you than buying, because buying a home has its drawbacks.

Reasons to Buy
On the other side of the coin, there are many more benefits to buying. Keep these reasons in mind if you start to get cold feet.

Find a good real estate agent to represent you in the search and negotiation process. The real estate agent should be: amiable, open, interested, relaxed, confident, and qualified. Learn the agent's rates, methods, experience, and training. Go into exhaustive detail when describing what you want in a home: number of bathrooms and bedrooms, attached garage, land and anything else that may be important, like good light or a big enough yard for the kids. Read more in How to Select a Realtor.

Define the area you'd like to live in. Scout out what's available in the vicinity. Look at prices, home design, proximity to shopping, schools and other amenities. Read the town paper, if there is one, and chat with the locals. Look beyond the home to the neighborhood and the condition of nearby homes to make sure you aren't buying the only gem in sight. The area in which your home is located is sometimes a bigger consideration than the home itself, since it has a major impact on your home's resale value. Buying a fixer-upper in the right neighborhood can be a great investment, and being able to identify up-and-coming communities--where more people want to live--can lead you to a bargain property that will only appreciate in value.

Visit a few open houses to gauge what's on the market and see firsthand what you want, such as overall layout, number of bedrooms and bathrooms, kitchen amenities, and storage. Visit properties you're seriously interested in at various times of the day to check traffic and congestion, available parking, noise levels and general activities. What may seem like a peaceful neighborhood at lunch can become a loud shortcut during rush hour, and you'd never know it if you drove by only once.

Line up your financing, set aside a down payment and study the loan programs available. By doing your homework, you will know exactly how much you can pay and what it will cost you.

Order a Free Credit Report
Give yourself time to clean up a credit report that contains mistakes. Dispute errors. Try to reduce your monthly debt obligations now by paying down those loan balances.

Check out places to get a mortgage and compare rates and fees. Start with your own financial institution, then interview a few mortgage brokers and choose a loan product you completely understand.

You will be expected to put down 10-20% of the appraised value of a home. (Note that the appraised value may be higher or lower than the selling price of the house.) If you have $30,000 saved for a down payment, for example, you can use it as a down payment for a home between $300k (10% down payment) or $150k (20% down payment). Putting down less often, but not always, requires you to pay private mortgage insurance (PMI), which increases your monthly housing cost but is tax deductible.

Find out what ratios lenders are using to determine if you qualify for a loan. "28 and 36" is a commonly used ratio. It means that 28% of your gross income (before you pay taxes) must cover your intended housing expenses (including principal and interest on the mortgage, as well as real estate taxes and insurance). Monthly payments on your outstanding debts, when combined with your housing expenses, must not exceed 36% of your gross income. Find each percentage for your monthly gross income (28% and 36% of $3750 = $1050 and $1350, respectively). Your monthly payments on outstanding debts cannot exceed the difference between the ($300) or else you will not be approved.

Your opening bid should be based on the sales trend of similar homes in the neighborhood. So before making it, consider sales of similar homes in the last three months. If homes have recently sold at 5 percent less than the asking price, you should make a bid that's about eight to 10 percent lower than what the seller is asking.

As a fairly general rule, homes appreciate about four or five percent a year. Some years will be more, some less. The figure will vary from neighborhood to neighborhood, and region to region.

Five percent may not seem like that much at first. Stocks (at times) appreciate much more, and you could easily earn over the same return with a very safe investment in treasury bills or bonds.

But take a second look…
Presumably, if you bought a $200,000 house, you did not pay cash for the home. You got a mortgage, too. Suppose you put as much as twenty percent down - that would be an investment of $40,000.

At an appreciation rate of 5% annually, a $200,000 home would increase in value $10,000 during the first year. That means you earned $10,000 with an investment of $40,000. Your annual "return on investment" would be a whopping twenty-five percent.

Of course, you are making mortgage payments and paying property taxes, along with a couple of other costs. However, since the interest on your mortgage and your property taxes are both tax deductible, the government is essentially subsidizing your home purchase.

How do you compare?
According to the National Association of Realtors 2012 Profile of Home Buyers and Sellers:

-39% of recent homebuyers were first-time buyers, a slight rise from 2011, but closer to the historical norm of 40%.

-65% of recent homebuyers were married couples - the highest share since 2001. Conversely, the share of single buyers was the lowest since 2001.

-For 52% of homebuyers, the first step in the process was taken online.
The typical homebuyer searched for 12 weeks and viewed 10 homes - a decline from 12 homes in the prior year, which speaks to the tightened inventory in many areas.

-89% of buyers purchased their home through a real estate agent or broker, similar to last year - a share that has steadily increased from 69% in 2001.

When picking a mortgage, you usually have the option of paying additional points -- a portion of the interest that you pay at closing -- in exchange for a lower interest rate. If you stay in the house for a long time -- say three to five years or more -- it's usually a better deal to take the points. The lower interest rate will save you more in the long run.

Getting pre-approved will you save yourself the grief of looking at houses you can't afford and put you in a better position to make a serious offer when you do find the right house. Not to be confused with pre-qualification, which is based on a cursory review of your finances, pre-approval from a lender is based on your actual income, debt and credit history.
more on home buying





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