travel insurance

It’s that time of year and holiday travel tips are just what’s needed so your holidays and travel plans are not complete nightmares.I am a huge fan of the Chevy Chase and other comedy holiday movie classics that prove the point that holiday travel isn’t always an enjoyable adventure.Now that I have my own family and I’m sure many of you reading this can relate that travel during the holidays isn’t the relaxing few days off that you imagined. It’s more like a whirlwind of excitement, screaming, food, family, plenty of miles, and over before you know it.You’re almost excited to get back to the quiet days of work where you can actually sit for a moment and think. Well maybe not that bad right?So, let’s take a trip of our own and ensure you have a wonderful holiday season without so much chaos, stress, and headaches.Discount Florida Vacations Holiday Travel Tips (this is from our own experiences)…**Be sure that you don’t overdo it. Now that we have a child everyone wants to see him during the holidays. With family that lives out of town that isn’t always feasible to reach everyone within just a couple of days. We have finally decided to alternate years and/or spread out our holidays by seeing family and friends over the season and not within the few days most people celebrate their given holiday.**Be giving, but be a little selfish. You work hard all year and this is a time for family, immediate family. We make it a priority to have our own celebration and worry about making ourselves relax, and enjoy the season first and foremost. There have been years when we’ve done nothing but stress and worry about everyone else. That has made for a lousy holiday travel season.**Our holiday travel tips continue with being prepared. This is just good advice for traveling anytime of the year. The holidays get even crazier and busier with people rushing everywhere to make last minute meetings, parties, see family, shop, etc…
Have activities for the kids, snacks, drinks, your travel route planned out, and a back up plan. Make sure all your ducks are in a row and give yourself enough time to travel safely.**Give yourself enough time to recoup. This is one of the most important holiday travel tips we can provide. Nobody enjoys going back to their normal, hectic routine without having some rest and relaxing while enjoying the holiday time with family and friends. It only comes once a year and each year we want to make it a time of warmth, love, and more before we venture into a new year.**Our final of the holiday travel tips would have to be being safe. There are a lot of crazies that come out during the holidays and that may include your family. There are a lot of people trying to get too many places in such a short time. I remember one year my own father jumped on two young guys cars threatening them because they cut us off in a snow storm almost causing us to wreck. My brother and I were very young at the time and my father would’ve done anything to ensure our safety. Don’t let the scam artists and lunatics take advantage of your good cheer and generosity during this time.Also, for goodness sakes, no matter how in a hurry you are, how rude other people are, and how nuts things seem to be, take the time to enjoy it and please, please be nice to others no matter what. It makes for a miserable holiday season when people act like real jerks and idiots to others (the mall has to be the worst of all)! Be Nice and Happy Holidays.

If you aren’t careful, it’s easy to make some major mistakes before purchasing a home that can delay or even cancel your closing on that home. So here are some tips on how to avoid common home buying mistakes that many people make.Most people these days use financing to afford their home, and a very common mistake that is made by many home buyers is making a major purchase, such as a car, not long before trying to buy their new home. This may not sound like a problem initially, but lenders use something called the debt to income ratio to help determine whether or not you can actually afford a home that is in a certain price range. Unfortunately, by increasing your consumer debt for purchases like a car or some other installment payment, you only decrease the amount of house that you can buy through most lending institutions. So avoid this mistake and eliminate all major purchases as much as possible before purchasing a home.Another common mistake is changing jobs just before buying a home. Again, lenders don’t like to see this. They prefer instead to see consistency at the job, so do your best to stick it out at your job, at least until your home is bought and the papers are signed.If you happen to be buying your home as a for sale by owner deal, a big mistake that you want to avoid is to be careful not to give any down payment money to the homeowner themselves before the transaction is actually completed. Unfortunately, some unscrupulous homeowners have taken the down payment money that they have received and spent it before the deal was closed. If for any reason the deal falls through, you can imagine how difficult it would be trying to get your money back in such a situation. The wise course of action is to put the down payment in a trust fund overseen by an attorney, so that access to the money cannot be gained by either party until either the house closes or the deal falls through.Believe it or not, some home buyers actually forget to arrange to have their utilities activated in their new home before they move in. This can lead to some very uncomfortable days spent in your new home that are unnecessary. So make a note to yourself to both arrange for turning off utilities at your old residence, and getting them turned on in time at your new home.Having a good real estate agent to look out for your interests as you buy your new home is an important asset that you don’t want to overlook either. It’s their job to keep up with all the details of the deal from day-to-day, and keep everything moving smoothly on track toward closing. They can help shield you from much of the frustration and day-to-day angst associated with buying a new home.Some home buyers fail to stay up with the requirements of the lender as the home progresses to closing too, and then find themselves way behind in the process at the very last minute. Sometimes this can lead to delay or even cancellation of the house closing, so take care of your end of the deal by staying on the same page as the lender all the way through the process.The more education that you have about possible costly mistakes that could be made in buying a home, the more chance you have to keep the whole home buying process moving along smoothly and quickly toward a successful close.
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