Use a Travel and Leisure Magazine to Plan Your Getaway | travelling and hotels

Whether you are looking to find a romantic weekend for two or a week long getaway for the whole family, a travel and leisure mag can make your planning easier. You can find recommendations for destinations and hotels in the area, a list of things to do, and reviews on lodging, restaurants, and attractions. In addition, you can usually find special offers available only to the readers of the travel and leisure mag that can save you some serious money.You can read your travel and leisure mag online, or purchase a copy at your local newsstand. Either way, you will find fascinating articles and a wealth of information. Many sponsor contests for the readers of their travel and leisure mag, so you just might win the trip you’ve been longing to take.Detailed hotel reviews are to be found at almost every travel and leisure site. You can find out whether they are quiet, clean, and efficient, as well as whether they have restaurants or clubs on the premises. Any other services, such as valet parking, turn down service, concierge, and currency exchange will also be provided by the travel and leisure mag.One of the best sources for information on cruises is a travel and leisure mag. You will discover which lines or ships provide the most activities for children and which ones are planned for adults. You can also find out whether cruises are planned for singles, couples wishing to take a second honeymoon, or the entire family from Grandma to toddler. Often, you can find discount coupons at a travel and leisure magazine online site that will make your cruise even more affordable.A travel and leisure magazine can also provide recommendations for destinations that may not have been on your list, but are exactly what you are seeking. Perhaps you want to find a beach resort that is off the beaten track, affordable, and far from the crush of civilization. Browsing a travel and leisure mag may be able to provide you with a list of several destinations that fit the bill.Even if your travel plans are many years in the future, you can still use a travel and leisure mag to plan the vacation you will someday take. Anticipation is half the fun, anyway, and a vacation that you take only in your imagination still offers some benefit to your psyche.A travel and leisure mag is practically an essential for couples planning a honeymoon. Together they can search for potential destinations and select one with features of interest to both. They can compare hotel rates and amenities, learn how to reach their destination, and perhaps find discounts to make their honeymoon even more special.You can also use a travel and leisure mag to plan a day trip for the entire family. Almost everyone has state or national parks, amusement parks, or museums within a few hours’ drive. The magazine will provide with information on location, hours of operation, cost, and what is offered. That way, you will know in advance what to expect when you take your crew out for the day or weekend.

Financial Reform Laws and Its Unintended Consequences – OUCH! | laws and issues

We now have the War and Peace version of the Dodd Frank law in affect. But how is this going to affect real estate business? Is it going to stimulate the real estate industry? Stabilize home values? What about making it easier and inexpensive for consumers when obtaining a California real estate loan or a loan in any state?All answers in my opinion are no. Something had to be done but was the result wasn’t researched or thought out very well.When politicians make decisions and reform to something that they know very little about, isn’t a good idea. Creating sweeping reform using one’s own personal morals isn’t good for business either.For example, limiting a lender contact and not allowing the selection of a specific appraiser (unless the appraiser works as an employee of the lender) is morally a good idea.The result? Appraisal fees have gone up by 25%-50%. Who foots that bill? We do.As a result, many experienced appraisers have left the business and many times appraisers are coming from long distances to appraise a home and know nothing about the local area. This doesn’t bode well for home values.The appraisal issue isn’t a part of the Dodd Frank financial reform. However it’s just an example on how its unintended consequence can affect our wallets.Another moral choice was made in that it’s not right to mark up an interest rate on a California real estate loan which means the lender and loan originator can make more money on a transaction.Sounds fair right? Think again. That mark up on the interest rate frees up a pool of funds that could have gone to the lender as income OR the borrower and could have been used to pay for borrowers closing costs and fees. This is beneficial for first time home buyers who are short on cash and borrowers who don’t want to pay fees on their refinance loan. As a result of the new legislation, neither of these options will be available.On the surface the moral compass is right but there’s wasn’t enough research as to how this change was going to affect all consumers.The credit card part of the reform further illustrates. Credit card issuers no longer can charge predatory fees and rates. But really how many people were paying these rates? Less than 15% of the nation and we all now have to pay in one way or another.Again the moral compass is good. Banks now lacking that income are cutting rebate programs and free checking accounts are no longer going to be free, and preferred interest rates on cards are going up.How is this good for the majority of America?The biggest surprise of the financial reform is that the largest bailouts in American history was given to mortgage giants Fannie Mae and Freddie Mac and they were completely left out of the financial reform act. WOW.2011 will be one of historic proportions since all this new legislation becomes part of our daily lives.Are there more unintended consequences are in store? One thing is for certain it won’t make it any easier or cheaper for the person trying to obtain a California real estate loan or in general, on the middle class American consumer.


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