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John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

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20 Must-See International Destinations

August 3, 2016 1:45 am


After the recession left many without the means to take a trip, a lot of us have found the wherewithal to travel again—and most of us are turning our eyes to must-see destinations abroad, according to a recent survey by Travel Leaders Group.

“Overall, we can confidently say that the demand for leisure travel is still very strong,” said Ninan Chacko, CEO of Travel Leaders Group, in a statement. “Our survey also revealed that more than nine out of 10 will take the same number, or more, leisure trips in 2016.”

Travel Leaders Group ranked the top 20 international destinations, based on ratings by those surveyed. These must-see stops are:

1. Venice, Italy
2. Florence, Italy
3. Rome, Italy
4. London, England
5. Dublin, Ireland
6. Paris, France
7. Europe (River Cruise)
8. Barcelona, Spain
9. Europe (Mediterranean Cruise)
10. Amsterdam, The Netherlands
11. Caribbean (Cruise)
12. Europe (Baltic Cruise)
13. Aruba
14. Cabo San Lucas/Los Cabos, Mexico
15. Playa del Carmen/Riviera Maya, Mexico
16. Punta Cana, Dominican Republic
17. Montego Bay, Jamaica
18. Cancun, Mexico
19. Puerto Vallarta, Mexico
20. Mexico (Cruise)

Source: Travel Leaders Group
 

Published with permission from RISMedia.


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Credit-Confused? What to Know About Your Score

August 3, 2016 1:45 am

 
Credit-confused? You’re not alone. Most of us have trouble understanding the impact some actions may have on our credit scores, though many of us do know the basics.

Just half of those surveyed recently by the Consumer Federation of America (CFA) and VantageScore Solutions know that their lender must inform them about the lender’s use of a credit score in the mortgage application process, for instance, and less than half of those surveyed wrongly believe that marital status is a factor in the calculation of credit scores.

Many of us also underestimate the consequences of a low credit score, the survey found: only one-fifth of those surveyed know a low score can increase the cost of a loan.

Some of us are even in the dark when it comes to non-creditor use of our credit scores. Half of those surveyed did not know that utility companies may factor scores into the decision on the initial deposit for service, and one-third did not know that home insurance providers and landlords might also factor scores into their decisions.

“The good news is that consumers understand the basics of credit scores, such as the importance of making loan payments on time,” said Stephen Brobeck, CFA’s executive director, in a statement. “The bad news is that this knowledge is limited and, each year, can cost them hundreds of dollars in fees on services and additional interest on consumer loans.”

In addition to making loan payments consistently and on time, checking credit report(s), keeping credit card balances low and refraining from opening new credit accounts are all credit-wise actions, according to CFA.

Source: Consumer Federation of America (CFA)
 

Published with permission from RISMedia.


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