Danny Lee If you’re getting ready to visit Disneyland and plan to utilize the Disability Access Service (DAS), one of the first steps is the DAS pass video chat interview. This is a crucial step to ensure that the DAS accommodations will meet your needs, and it can also save time by enabling you to pre-register before … Read more
Visiting Disneyland is a magical experience, but for guests with disabilities or special needs, navigating the parks can present unique challenges. Fortunately, Disney offers the Disability Access Service (DAS) to help ensure that everyone can enjoy their day at the parks with ease and comfort. Here’s everything you need to know about the DAS pass … Read more
When cruising with Royal Caribbean, you’re not just signing up for an unforgettable voyage on the ocean—you’re also embarking on a world-class culinary journey. Beyond the complimentary dining options, Royal Caribbean offers a range of specialty dining experiences that bring unique flavors and refined ambiance to your onboard dining. But with so many choices, which … Read more
When planning a Royal Caribbean cruise, one of the key aspects to consider is your dining experience. The cruise line offers multiple dining options to cater to every guest’s preferences, from scheduled sit-down dinners to flexible dining times. Whether you’re a first-time cruiser or a seasoned traveler, understanding these dining options can enhance your experience … Read more
Setting sail on a Disney Cruise is an exciting experience, but before you embark on your adventure, it’s important to complete your online check-in to ensure a smooth boarding process. To help you navigate this part of your trip, I’ve outlined the exact documents and information you’ll need. Let’s dive in! 1. Valid Passport or … Read more
If you’ve recently come into a lump sum of money—perhaps from a bonus, inheritance, or sale of an asset—you might be thinking about ways to reduce your mortgage burden. While refinancing is one option, a lesser-known strategy is mortgage recasting. Recasting can lower your monthly payments without the costs and complexities of refinancing. Here’s what … Read more
For those looking to grow their retirement savings tax-free, the Roth IRA is often a go-to option. However, if your income exceeds certain limits, you may not be eligible to contribute directly to a Roth IRA. Fortunately, there’s a legal workaround known as the Backdoor Roth IRA that allows high earners to take advantage of … Read more
When it comes to securing a mortgage, most borrowers focus on getting the lowest interest rate possible. However, there are different strategies you can use to adjust your mortgage rate, depending on your financial goals and situation. Two common tactics are buying down the rate through points and buying up the rate, which can reduce … Read more
Refinancing your mortgage can be a smart financial move, but it’s important to understand when it makes the most sense. While a lower interest rate is a common reason, other factors like changing loan terms or tapping into home equity can also drive the decision. Let’s dive into the key factors to consider when deciding … Read more
If you’ve been contributing to your retirement accounts diligently but are thinking about accessing your funds early, you may have encountered the terms 72(t) and SEPP. These concepts can provide a way to tap into your retirement savings without facing the usual penalties. Here’s what you need to know. What Are 72(t) and SEPP? 72(t) … Read more