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  Provided to you Exclusively by Robert D. Ashby, CMPS
Robert D. Ashby, CMPS
Robert D. Ashby, CMPS
President, Sr. Mortgage Advisor
Solid Rock Mortgage
Office: 954-432-3450
Email: rashby@solidrockmortgage.com
Website: http://www.solidrockmortgage.com/
  Solid Rock Mortgage
   
For the Month of July 2006 --- Vol. 1, Issue 8
 
  IN THIS ISSUE...  
     
 

Summertime is here, and vacation season is in full swing! This month's issue of "Views You Can Use" is devoted to travel secrets that will save you money as you enjoy that summer getaway. Learn the inside scoop that only frequent fliers know about getting through the airport smoothly and onto your flight quickly and easily…then find out how you can save big bucks on your rental car, once you've reached your destination! And while you're at it, why not save on your driving costs as well, with these simple tips to improve your gas mileage? Enjoy this month’s issue, and feel free to pass onto other travelers you know. And as always, don’t hesitate to call or email if you need any other assistance at this time – or just want to check in and talk about your summer travel plans!

 
 
  SUMMER VACATION TIME IS HERE!  
     
 

But let's admit it, nothing puts a bigger damper on the fun than leaving for the airport with ample time to check in and board your flight, only to arrive and find out that your flight is delayed…or worse yet, cancelled. And this summer, flight delays and cancellations are inevitable. According to the Air Transport Association, this summer will be the busiest summer travel season in more than five years as an estimated 200 million people are expected to take flights this summer. So combine the increase in travel demand with the decrease in available aircraft, due to airlines trimming the fat and cutting back on scheduled flights, mix in a few thunderstorms…and you get lots of delays and cancellations. But doing a little planning in advance could help minimize the turbulence with your summer flight plans. Here are a few tips:

Reservations: Just as the old saying goes, "the early bird catches the worm". When it comes to air travel, the early bird catches the flight. Booking an early morning flight may decrease the chance of dealing with flight delays or potential cancellations. Most summer thunderstorms happen in the afternoon, and booking early flights will help you avoid being stuck in the airport waiting for a storm to pass. And if your morning flight is cancelled, you will still have the afternoon to try and reschedule your flight plans. Additionally, if your flight schedule requires a connection to another flight, be sure and leave enough time in between flights to make your connections, factoring in the possibility of a short delay.

Check In: Save yourself some time by obtaining your boarding pass online. Simply log onto the airline's website and print your boarding pass before leaving your home or office, up to 24 hours in advance. You will improve your chances of getting a better seat by checking in early, plus save time and hassle at the airport by avoiding the kiosk or check in lines. Even if you are checking luggage, most airlines have a designated area that you can check in luggage only and avoid the boarding pass lines…or check your luggage curbside, and you're ready to head to your gate with no lines at all!

Luggage: But where luggage is concerned, try to travel light and carry on all of your luggage if possible. Carrying on your luggage will save you time hanging around baggage claim when you land, and avoid the headache of trying to retrieve luggage if it is lost. When you are carrying luggage on, be sure to be in line to board as quickly as you can - as overhead space can fill up quickly, and you might be forced to check bags anyways.

Airport / Flight Status: While you're printing that boarding pass out, you can also obtain information about airport delays by hitting http://www.fly.faa.gov/. Or another great site to obtain information about airport delays or to check flight status is http://www.flightstats.com/. You can even sign up for FlightStats electronic alerts, and receive notifications about flight delays or cancellations via email or text message. Most airlines have flight status on their websites as well, which can also be very handy if a friend or family member is picking you up at the airport.

Weather: Log onto http://www.weather.com/ to check the weather in the city you are departing from as well as in the city you will be arriving at, to help determine any potential travel delays due to weather conditions. It's also helpful to know weather conditions for your destination, so you can pack appropriately.

Security: Even if your flight is on time and there are no delays, long lines at security checkpoints could delay you enough to cause you to miss your flight. To find out how long it may take you to get through security, visit http://waittime.tsa.dhs.gov/index.html. And a few hints on getting through security quickly - be prepared. Before you step up to the security table, remove your belt, shoes, cell phone, jewelry, keys and change from your pockets. Remove your outer jacket and place in a bin with your other belongings. Make sure your laptop computer is out of its case, and lying flat and unobstructed in its own bin before sending it on the conveyor belt through security. Keep your boarding pass in hand for the TSA agent to review - don't put it on the conveyer belt. Be aware that if your boarding pass is marked with "S's", you have been randomly selected for a full screening, and should allow more time.

As you pass through the metal detector, be sure not to brush against the sides, as this will set off the alarm. Metal detectors work by measuring the aggregate amount of metal you are carrying as you pass through, and some machines have higher sensitivity than others. If your metal content exceeds the limit, the machine will beep and you'll get one more chance through. This time, be careful in trying to remove as much metal as possible, because if the alarm goes off a second time, you will have to go through the full body screening, which could delay you further. And if you do get selected for "special screening", be cooperative with the agent. They are just doing their job and working to keep passengers everywhere safe.

Taking the above steps will not eliminate delays all together, but will certainly help you avoid having to spend a good part of your summer vacation in a terminal. Bon Voyage!

 
 
  YOUR ENGINES ARE RACING…  
     
 

It's summer vacation time - and you need to rent a car. But you also need a great deal! So you've spent hours online, and you finally feel confident that you've found that great deal. You've had five website windows open at a time, compared and contrasted, made your selection, finished filling out all the online screens, you're ready to check out and sure you're finally rounding the last bend…but then you come to a screeching halt. After all that work, you're staring at a field asking for a promotional code, coupon code, or rate code. And all you can think is…after all that work! If I had that secret code it could potentially save me even more money on this rental rate, but I don't know the code!

So before you even cross the start line…is there a way to save money and save time on car rentals…and best yet, get those secret codes?

You bet there is. And it's simple…here's two links to check out. First hit http://www.rentalcodes.com/, and search for the current discount codes for all of the major rental car companies. The site clearly spells out the type of code being offered, when the code expires, and what type of car the discount applies to. Jot down a few codes for different rental car companies and then take a few minutes to do a little comparison shopping, by visiting http://www.bnm.com/. This site gives an easy rental car comparison tool, as well as publishes last minute discount offers and even more codes. Here's another hot tip: some of the agencies will give you an even deeper discount if you pay for the entire rental upfront.

And reserving the car isn't the only place that you can save a few bucks. Consider these money saving tips when you arrive at the rental counter.

  • Don't accept the prepaid gas option unless you are certain the tank will be empty when you return the car. Although this can be convenient, it can also be costly. If you choose this option, it may cost you an entire tank of gas plus a service fee when you return the car, even if you only use a few gallons!

  • Before you agree to the insurance option at the counter, know the details of your own auto insurance policy. If your auto policy has collision coverage, skip the insurance option. It can save you $20 or more per day.

  • Take the time to walk around the vehicle and note all the dings and scratches. This will save you the headache of being charged for damage that may not have been done while you had the car in your possession.

With gas prices at their current high levels, taking advantage of the above tips will help save you a few needed bucks…and may even provide a deep enough discount for you to upgrade to that slick convertible!

 
 
  WAYS TO SAVE ON FUEL COSTS....FACT OR FICTION?  
     
 

Ever wish you could enjoy the savings of a fuel-efficient hybrid vehicle…but just can't stand the looks of them? Good news - here are a few simple ways to achieve the same type of savings and fuel economy, without having to buy that "interesting-looking" new car. Let's take a look:

Tip 1: Stop driving like a maniac. Seriously, a change from aggressive driving behaviors to more moderate driving behaviors can result in savings of up to 37%! That's nothing to shake a fist at. So next time you want to make that accelerating pass, ducking between two cars and then hammering the gas pedal to beat them all off the line….consider cooling off instead, and leave the aggressive moves to the teenagers.

Tip 2: Slow down. Yes, you're right - it does take a few minutes longer to get places when you obey the posted speed limit, but especially on long trips, you can save up to 14% by driving the speed limit. Plus, the added benefit of avoiding costly speeding tickets and the resulting potential increases to insurance rates is a pretty healthy savings as well!

Tip 3: Go cruising. Not down the strip like you remember back in the good old days, but using your cruise control as often as possible. When you avoid the almost unavoidable bouts of speeding up and slowing down on the highway, you can save up to 14%. So if you've got it, cruise it.

Tip 4: Don't sit around idle. If you avoid excessive idling, you can save up to 19% on your fuel costs. Although it seems like it could be better for the car to avoid shutting the engine off and then restarting it again when making short stops, here's a rule of thumb for fuel efficiency. If your car will be stopped for longer than a minute, turn it off.

You may have heard these tips before, maybe they even sound like advice you heard from your parents when learning to drive…but the real life savings are significant. And with today's high gas prices, taking a few of these tips on the road will quickly result in real money in your pocket!

 
 

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