15 Auto Loan Terms Explained
You finally found the car of your dreams. But as you discuss financing, your excitement might turn to confusion as you see unfamiliar terms on the contract. Here’s a glossary of auto loan terms to help you better understand the lingo—and get the best deal possible.
Annual Percentage Rate (APR)
The rate of your total cost each year to borrow money. It combines your interest rate plus any fees into one figure that’s expressed as a percentage. The higher the APR, the more you’ll ultimately pay to purchase the car. Learn more about APR.
A statement with information about your credit activity, loan-paying history and the status of your current credit accounts. Your credit report is not the same thing as your credit score. Learn more about your credit score.
A promotion offered by manufacturers to boost sales. Dealers sometimes pass along those savings to buyers.
Dealer Prep Charge
This negotiable charge represents the dealership’s cost to prepare your car for sale after it arrives from the factory.
Dealer Price Sticker (also known as Monroney Sticker)
By law, this sticker on a car’s window must clearly show the car’s base price (the cost without the dealer’s options and fees), the manufacturer’s installed options, the manufacturer’s suggested retail price (the cost with the dealer’s options and fees) and the car’s fuel economy.
Debt-to-Income (DTI) Ratio
A buyer’s monthly debt payments divided by their gross monthly income, expressed as a percentage. The number measures a buyer’s ability to manage monthly auto loan payments.
The cost of transporting your vehicle to the dealership from the factory or port of entry. This delivery fee is listed on the Dealer Price Sticker of every new car.
Documentation (Doc) Fee
The dealership’s cost to prepare and file the sales contract and other documents. A few states limit this fee, but most don’t.
This cash payment, made at the time of purchase, lowers the amount of money you’ll need to borrow.
Finance and Insurance (F&I) Office
After you agree on a purchase price with a car salesperson, you’ll be directed to this department to draw up the sales contract and finalize your financing.
Created when you take out a loan, this is the lender’s legal right to possession of the vehicle until the loan is repaid. When the loan is paid off, the lien is released.
Manufacturer’s Suggested Retail Price (MSRP)
Also known as the list price or sticker price, it is the recommended selling price from the manufacturer (but not necessarily what you will pay). It differs from the car’s base price because the MSRP includes dealer options and fees.
The total length of time on your loan.
Loan-to-Value (LTV) Ratio
A percentage that expresses the amount you’ll need to borrow compared to the value of the vehicle.
The amount that the dealership will pay for your old vehicle. If you decide to trade your old vehicle in, that value is subtracted from the sales price of the vehicle you want to buy and will reduce the amount of money you’ll need to borrow.
Are you ready for a beachfront getaway? It’s time to join us once again along with the Cruiseplanners home office team as we bring to you another in a series of “Where2Next” presentations. This time we'll visit the “All-Inclusive” vacation with our guests from Sandals Resorts and Karsima Hotels & Resorts.
Log in on Wednesday September 23 at 5:00 pm ET when we’ll explore the many reasons to book your next vacation at an all-inclusive resort.
Plus, you'll have the chance to win great door prizes, access an exclusive offer, and possibly win the grand prize!
Visit our website at www.itsacruisething.com/event/allinclusive to register and join.
We look forward to seeing you there.
Traveling with Pets
Article: Trent Cane
Traveling with pets is a growing trend, but even the most precious pet does not necessarily a good traveler make. Whether or not you bring your pet along for the trip is not so much a question of “can you?” but a question of “should you?”
No one knows your pet better than you, so no one is more qualified to answer that all-important question. If the answer is a resounding yes, keep reading — we’ve compiled a list of tips and resources for all you pet lovers who can’t bear to leave their furry friends behind.Check whether pets are allowed. Many destinations don’t permit easy entrance for pets. Hawaii, for instance, has a quarantine period for dogs and cats of up to 120 days, as Hawaii is free of rabies. However, dogs and cats meeting specific pre-arrival requirements may qualify for a quarantine of five days or less, or even a direct release, at Honolulu International Airport after inspection.Don’t underestimate the cost. Between crates, air and hotel surcharges, toys, extra food, unexpected vet bills away from home, and more, traveling with your pet can add up. Be aware of the costs and allow a little wiggle room in your budget.
Use proper identification. Put a tag on your pet’s collar that includes rabies vaccination information, your name, your address and phone number, and local contact numbers. It could save your pet’s life.
Train your pet. A pet that responds to your commands will save you considerable trouble while on the road. From the airport to the hotel, a pet that is friendly and obedient is the most pleasant traveling companion.Learn about your pet’s health. Knowing a little about your pet’s normal temperature, pulse and respiratory rate, prescription medications, and other health issues can save you time, worry and money on the road. Consult your vet, and make a checklist of these issues.
Bring a pet first-aid kit. A pet thermometer, tweezers, gauze, antibiotic ointments, ear drops and other items available at most stores will work; consult your vet for a complete list.
Buy a crate. A pet crate is not something to skimp on. It should be sturdy and correctly sized for your pet. A crate that is too small will be very uncomfortable; a crate that is too large could allow your pet to be tossed around during handling. If you’re bringing the animal on a plane, be sure to read your airline’s requirements regarding crate size, weight, material and design. Airline-approved crates must have ventilation on the sides (in addition to the door) and have food/water trays that are refillable from the outside in the case of a delay.Most crates come with stickers indicating that an animal is inside. If your pet is house-trained, consider putting a blanket, liner or cushion in the crate for comfort. If she’s not house-trained, a clean carrier floor is best.
Crate train your pet. A long flight or a lonely hotel room should not be the place your pet becomes acquainted with a traveling crate. Buy your crate well before traveling, and work with your pet until he’s familiar and comfortable in the crate. Normal training techniques should work, such as the use of food, praise and other incentives to get your pet used to staying in the crate.
Pet Hotel Tips
Find pet-friendly hotels. Many hotels gladly accept pets, such as Kimpton and La Quinta Inn & Suites. Find a list of additional pet-friendly properties at PetsWelcome.com, BringFido.com, Pet-Friendly-Hotels.net and PetFriendly.ca.
Stay on a lower floor. It’s far easier to get your pet in and out of a hotel without incident if you are on the ground floor — no elevators, stairs or altercations with other guests.
Keep your pet clean. Wipe mud, dirt and water off your pet’s fur before bringing her back into the hotel. If your pet stains the hotel’s carpet or linens, you might have to pay for cleaning or replacement costs.
Keep your pet in a crate. Hotel employees, neighbors and your pet are probably best served by this step. Your pet can relax in familiar surroundings, the room stays clean and you can relax as well. Don’t leave your pet loose and unattended.
Use the “do not disturb” sign. If you do have to leave your pet in your room, put the “do not disturb” sign on the door so hotel employees don’t enter and become frightened — or get accosted — by your pet.
Walk your pet in approved areas. Ask hotel management where they would prefer that you walk your pet.
Consider a vacation rental. If you’re having trouble finding pet-friendly hotels in your destination, consider a vacation rental through a site some owners allow pets.
FDOT Treasure Coast Traffic Report September 23 through September 30, 2020
Martin, St. Lucie & Indian River Counties, Fla. – Construction, maintenance and permit-related lane closures on state highways in Martin, St. Lucie and Indian River counties are expected during September 23 through September 30, 2020. Weather permitting, work will be done at the following locations throughout the Treasure Coast.
For updated lane closure information, please refer to www.d4fdot.com. Follow us on Twitter @ MyFDOT_SEFL.
Please note, any full road, ramp or bridge closures have been highlighted below.
CONSTRUCTION PROJECTS MARTIN COUNTY
1. Kanner Highway / State Road 76, from south of Pratt Whitney Road (County Road 711) to SW Jack James Drive
Description: Kanner Highway is being widened from south of Pratt Whitney Road to SW Jack James Drive. Work on this 1.94-mile project includes: reconstructing Kanner Highway from CR 711 to Locks Road from a two-lane undivided highway to a four-lane divided highway with a raised median and curb & gutter; adding seven-foot-wide bicycle lanes from CR 711 to Locks Road; adding a 12-foot-wide shared use path on the east side of Kanner Highway from CR 711 to Locks Road; adding a six-foot-wide sidewalk on the west side of Kanner Highway from CR 711 to Locks Road; installing drainage features that will improve drainage; and resurfacing Kanner Highway from Locks Road to SW Jack James Drive. Access points and turn lanes will be provided throughout the corridor at the following locations: there will be turn lanes at the two signalized intersections CR 711 and Locks Road; full median openings will be at Mary Drive, Tropical Avenue, and SW Old Royal Drive; and a left-turn-only median opening will be located at Beverly Terrace.
Cost/Completion: $12.9 million. Completion is expected in summer 2021.
• The speed limit on Kanner Highway from south of Pratt Whitney Road to SW Jack James Drive has been temporarily reduced from 50 MPH to 45 MPH. This speed limit reduction will be in place through the end of the project.
• One lane in either direction of Kanner Highway from Pratt Whitney Road to SW Jack James Drive will be closed intermittently Tuesday through Friday from 7 a.m. to 7 p.m. for roadway work. For lane closures on Kanner Highway where there is only one existing lane in each direction, two-way traffic will be maintained by a flag crew.
• One lane in either direction of Pratt Whitney Road at the Kanner Highway intersection will be closed intermittently Tuesday through Friday from 7 a.m. to 7 p.m. for roadway work. Two-way traffic will be maintained by a flag crew.
• The sidewalk on the west side of Kanner Highway is closed through January 2021. Pedestrians should use the newly constructed shared use path on the east side of Kanner Highway. Please note, due to current roadway conditions the shared use path terminates prior to Locks Road and Pratt Whitney Road/SW96th Street for pedestrian safety. For more information, please contact Community Outreach Specialist Kathleen Dempsey at 772-359-5118.
2. U.S. 1 Shoulder Widening and Resurfacing Project, from South of SE Heritage Boulevard to North of SE Salerno Road
Description: U.S. 1 is undergoing a shoulder widening and resurfacing project from south of SE Heritage Boulevard to north of SE Salerno Road. The improvements include: milling and resurfacing of all travel lanes, turn lanes, and shoulders; widening the shoulders to accommodate 7-foot buffered bicycle lanes; addressing pavement failures at Cove Road and Salerno Road; upgrading sidewalk and pedestrian ramps to meet American with Disabilities Act (ADA) standards; upgrading signing and pavement markings; installing new pedestrian countdown signal heads at multiple signalized intersections; upgrading traffic controller cabinets at all signalized intersections; and installing lighting improvements at Salerno Road and Cove Road intersections.
Cost/Completion: $8.4 million. Completion is expected in spring 2021.
• Intermittent lane closures will occur at the U.S. 1/Cove Road intersection Tuesday through Friday from 8 a.m. to 5 p.m. for roadway work. During this time, turning lanes may be closed but traffic will still be able to make turns utilizing the through travel lane.
• Intermittent lane closures will occur at the U.S. 1/Salerno Road intersection Monday through Thursday from 8 a.m. to 5 p.m. for roadway work. During this time, turning lanes may be closed but traffic will still be able to make turns utilizing the through travel lane.
• The southbound inside lane of U.S. 1 at the Cove Road intersection is closed around-the-clock for roadway work.
• One inside lane in either direction of U.S. 1 from Heritage Boulevard to Cove Road may be closed Tuesday through Friday from 9 a.m. to 4 p.m. for sign installation.
• Intermittent sidewalk closures will occur on either side of U.S. 1. Pedestrians should cross at the nearest signalized intersections and follow the detour signage in place. For more information, please contact Community Outreach Specialist Kathleen Dempsey at 772-359-5118.
3. State Road 714/Martin Downs Boulevard/Palm City Bridge Fender System Replacement Project Over the South Fork of the St. Lucie River
Description: The State Road 714/Palm City Bridge fender system replacement project over the South Fork of the St. Lucie River started July 7, 2020. The improvements on this project include removing and replacing the fender system on the south side of the Palm City Bridge.
Cost/Completion: $888,985. Completion is expected in fall 2020.
• All lanes are open through Sept. 11. For more information, please contact Community Outreach Specialist Kathleen Dempsey at 772-359-5118.
4. I-95 Lighting and Roadway Improvements Project from South of the State Road 706 / Indiantown Road Interchange to the County Road 708 / SE Bridge Road Interchange
Description: This 11.59-mile I-95 improvements project will begin September 9, 2020 in Jupiter and Hobe Sound. Work includes installing new roadway lighting with LED luminaires, replacing the high mast lighting system with a conventional LED roadway lighting system, extending the northbound I-95 merge lane just north of Indiantown Road, extending the deceleration distances for the I-95 northbound to westbound Indiantown Road exit ramp and the I-95 southbound to eastbound Indiantown Road exit ramp, and installing wrong way vehicle detection systems at the Indiantown Road and SE Bridge Road I-95 interchanges and new advanced warning signage.
Cost/Completion: $12.3 million. Completion is expected in spring 2022.
• The shoulder in both directions of I-95 will be intermittently closed Wednesday through Friday from 6:30 a.m. to 6 p.m. for survey work. For more information, please contact Community Outreach Specialist Kathleen Dempsey at 772-359-5118.
Maintenance Lane Closures Unrelated to Construction:
• Advance Notice: Starting Sunday, Sept. 13, two southbound lanes of I-95 will be closed Sunday through Thursday night from 10 p.m. to 6 a.m., through Monday, Sept. 21, for loop replacement work. For more information, please contact Project Manager John Mattoon at 561-262-4692.
5. Roosevelt Bridge Repair Project
Description: The Roosevelt Bridge repair project that started on August 14, 2020 will restore six (6) lanes of traffic on the Roosevelt Bridge. The project consists of work to repair one span of the southbound bridge, minor work inside both bridges, restoration of the medians on U.S. 1 at each end of the bridge, and restoring Dixie Highway to its original condition.
Cost/Completion: $9.3 million. Completion is expected in December 2020, with the bridge returning to three (3) lanes in each direction by November 2020, weather permitting.
• Southbound Roosevelt Bridge is closed to traffic. Northbound Roosevelt Bridge is open to 4 lanes of traffic (2 in each direction) and is load posted for 5 tons.
• Intermittent off-peak lane closures on Dixie Highway and U.S. 1 will be needed while work is ongoing at the bridge. For regular updates, please register at www.fdot.gov/roosevelt and follow our social media. For more information, please contact District Four Communications Manager Guillermo Canedo at (954) 777-4090.
6. Martin Highway from I-95 to Martin Downs Boulevard in Palm City
• The eastbound shoulder of Martin Highway will be closed Tuesday through Friday from 9 a.m. to 4 p.m. for utility work. For more information, please contact Steve Jungjohan at 772-882-5084.
7. Kanner Highway from Lost River Road to Cove Road in Stuart
• One lane in each direction of Kanner Highway will be closed Tuesday through Friday from 9 a.m. to 4 p.m. for irrigation installation. For more information, please contact Sam Bernal at 407-877-7473.
8. Kanner Highway from I-95 to Gaines Avenue in Stuart
• One northbound lane of Kanner Highway will be closed Tuesday through Friday from 9 a.m. to 4 p.m. for utility work. For more information, please contact Steve Jungjohan at 772-882-5084.
9. Kanner Highway from Salerno Road to SW Appaloosa Street in Stuart
• One northbound lane of Kanner Highway will be closed Tuesday through Friday from 9 a.m. to 4 p.m. for utility work. For more information, please contact Steve Jungjohan at 772-882-5084.
10. U.S. 1 from Wright Boulevard to Baker Road in Stuart
• One northbound lane of U.S. 1 will be closed Tuesday through Friday from 9 a.m. to 4 p.m. for utility work. For more information, please contact Steve Jungjohan at 772-882-5084.
11. State Road A1A from NE Rose Walk Terrace to NE Causeway Boulevard in Stuart & Jensen Beach
• One lane in either direction of State Road A1A will be closed Tuesday through Friday from 9 a.m. to 4 p.m. for utility work. Two-way traffic will be maintained by a flag crew. For more information, please contact Steve Jungjohan at 772-882-5084.
12. Monterey Road at Ocean Boulevard in Stuart
• One northbound lane of Monterey Road will be closed Monday through Friday from 9 a.m. to 3:30 p.m. through Sept. 30 for tree removal. For more information, please contact Anthony Ferrer at 954-806-8972.
ST. LUCIE COUNTY
13. Midway Road Widening Project, from S. 25th Street to U.S. 1
Description: This 1.8-mile project includes: reconstructing the existing two-lane Midway Road to a four-lane, divided highway with a raised median; installing a new signal at Sunrise Boulevard; constructing a new bridge over the North Fork St. Lucie River; constructing a 6-foot sidewalk on the north side and a 12-foot multi-purpose trail on the south side Midway Road; constructing 4-foot bike lanes on both sides of the roadway; reconstruction of S. 25th Street approximately 1000’ to the south & north of Midway Road; reconstruction of Sunrise Boulevard from W. 1st Street to Charlotta Street; reconstruction of Oleander Avenue from W. 2nd Street to Merritt’s Ditch; drainage improvements, including constructing 6 retention ponds at 5 locations; and signage, signalization, and lighting improvements.
Cost/Completion: $26.8 million. Completion is expected in fall 2021.
• Eastbound and westbound lanes of Midway Road between the bridge over the North Fork St. Lucie River and U.S. 1 are shifted to their respective outside lanes for final configuration. Traffic is still down to one lane in each direction with the inside lanes closed. The new signal at the Sunrise Boulevard and Midway Road intersection is active.
• One lane in either direction of Midway Road between 25th Street and U.S. 1 may be closed Tuesday through Friday except from 6:30 a.m. to 9 a.m. & 4 p.m. to 8:30 p.m. for drainage activities, signalization, bridge work, and embankment/excavation. Two-way traffic will be maintained with a flag crew.
• One lane in either direction of Oleander Avenue between West 1st Street and just north of Midway Road by Merritt’s Ditch may be closed Tuesday through Friday except from 7 a.m. to 9 a.m. & 4 p.m. to 6 p.m. for drainage activities and signalization. Two-way traffic will be maintained with a flag crew.
• One lane in either direction of Sunrise Boulevard between West 1st Street and Augusta Street may be closed Tuesday through Friday except from 7 a.m. to 9 a.m. & 4 p.m. to 6 p.m. for drainage activities, embankment, and signalization. Two-way traffic will be maintained with a flag crew.
• One lane in each direction of 25th St. from 1,200’ north to 500’ south of Midway Road may have daytime and nighttime lane closures Tuesday through Friday except for between the hours of 3 p.m. and 7 p.m. for drainage work.
• One lane in either direction of Melville Road just south of Midway Road may be closed Tuesday through Friday except from 7 a.m. to 9 a.m. & 4 p.m. to 6 p.m. for drainage. A flag crew will maintain two-way traffic.
• One lane in either direction of U.S. 1 at Midway Road may be closed Tuesday through Friday except from 7 a.m. to 9 a.m. & 4 p.m. to 6 p.m. for signalization and lighting.
• Eastbound and westbound traffic on Midway Road from 25th Street to just east of the bridge over the North Fork St. Lucie River is shifted to the north on the newly constructed roadway to facilitate roadway construction to the south.
• Northbound and southbound traffic on Oleander Avenue from 2nd Street to Merritt’s Ditch is shifted to the west on the newly constructed roadway to facilitate roadway construction to the east.
• Northbound and southbound traffic on Sunrise Boulevard from 1st Street to Charlotta Street is shifted to the west on the newly constructed roadway to facilitate roadway construction to the east.
• Northbound and southbound traffic on 25th Street from Canoe Creek Lane to approximately 1,000 feet north of Midway Road is shifted to the east to facilitate roadway construction to the west.
14. Kings Highway Widening Project, from South of State Road 70 to North of the I-95 Overpass
Description: Kings Highway / State Road 713 is being widened from south of State Road 70 to north of the I-95 overpass in the City of Ft. Pierce and unincorporated St. Lucie County. The improvements on this 3.417-mile project include: reconstructing the existing two-lane undivided Kings Highway with a newly constructed four‐lane divided roadway, relocating Canal No. 40 and Canal No. 32E to accommodate widening to the west, realigning Kings Highway at the intersection with Okeechobee Road which will improve the existing connection with the Turnpike, replacing existing culverts/swales and installing a closed drainage system and retention ponds, installing a new highway lighting system, and upgrading signalization with vehicle detection devices and ITS cameras.
Cost/Completion: $45.2 million. Completion is expected in fall 2022.
• The speed limit on Kings Highway from south of Okeechobee Road / State Road 70 to north of the I-95 overpass has been temporarily reduced from 50 MPH to 40 MPH. This speed limit reduction will be in place through the end of the project.
• One lane in either direction of Kings Highway may be intermittently closed Monday through Friday from 9 a.m. to 4 p.m. through fall 2022 for roadway work. Two-way traffic will be maintained by a flag crew. During this time, intermittent side street closures may occur, maintaining two-way traffic at all times.
• Southbound Kings Highway just north of Okeechobee Road is shifted to the east through spring 2021 to facilitate roadway reconstruction. During this time, the southbound to eastbound turning lanes is reduced to one lane.
• Southbound and northbound Kings Highway at the Orange Avenue intersection is reduced to one lane in each direction through spring 2021, temporarily removing the designated turning lanes, to facilitate roadway reconstruction.
• Full Closure: Crossroads Parkway just east of Kings Highway is closed for reconstruction of Crossroads Parkway. This full closure is anticipated to be in place through October 2020, weather permitting. During this time, motorists heading north on Kings Highway should detour via Graham Road to South Jenkins Road to Okeechobee Road. Motorists heading southbound on Kings Highway should detour via Okeechobee Road. For more information, please contact Community Outreach Specialist Kathleen Dempsey at 772-359-5118.
15. “Jobs Express Terminal” Gatlin Boulevard Park and Ride Lot Project
Description: The “Jobs Express Terminal” Gatlin Boulevard park and ride lot project started August 23, 2020. The future location of this park and ride lot is just east of the I-95 interchange, between Brescia Street and Edgarce Street. The purpose of the project is to support regional commuter trips to and from the greater St. Lucie County area by constructing a park and ride lot with the capacity to hold 162 vehicles and installing bus shelters for drop-off or pick-up.
Cost/Completion: $2 million. Completion is expected in spring 2021.
• All lanes are open through Sept. 11.
• Advance Notice: Starting Monday, Sept. 14. one eastbound lane of Gatlin Boulevard from Brescia Street and Edgarce Street will be closed Monday through Friday from 9 a.m. to 4 p.m. through Dec. 2020 for construction of a permanent driveway. Starting Sept. 14, the eastbound sidewalk at this location will be closed around-the-clock and pedestrians should cross Gatlin Boulevard at Brescia Street and Savage Boulevard / Fondura Road.
• Advance Notice: Starting Monday, Sept. 14. one northbound lane of Brescia Street just south of Gatlin Boulevard will be closed Sunday through Thursday from 11 p.m. to 6 a.m. through Oct. 2020 for driveway turnout construction. During this time, pedestrian traffic may be detoured to the other side of Brescia Street.
• Advance Notice: Starting Monday, Sept. 14., the westbound lane of Hayworth Avenue between The Home Depot and Edgarce Street will be closed Monday through Friday from 9 a.m. to 4 p.m. through Oct. 2020 for driveway turnout construction. Two-way traffic will be maintained by a flag crew. For more information, please contact Community Outreach Specialist Kathleen Dempsey at 772-359-5118.
16. U.S. 1 from SE Lyngate Drive to North of Spanish Lakes Road in Port St. Lucie
• One northbound lane of U.S. 1 will be closed Monday through Friday from 9 a.m. to 4 p.m. through Sept. 18 for utility work. For more information, please contact Tim Barry at 315-708-9577.
17. Port St. Lucie Boulevard from SE Petunia Avenue to SE Saphire Terrace in Port St. Lucie
• One westbound lane of Port St. Lucie Boulevard will be closed Tuesday through Friday from 9 a.m. to 4 p.m. and Tuesday through Thursday night from 9 p.m. to 5 a.m. for utility work. For more information, please contact Steve Jungjohan at 772-882-5084.
18. Port St. Lucie Boulevard from SE Veterans Memorial Parkway to SE Sidonia Street in Port St. Lucie
• One westbound lane of Port St. Lucie Boulevard will be closed Tuesday through Friday from 9 a.m. to 4 p.m. for utility work. For more information, please contact Steve Jungjohan at 772-882-5084.
19. Orange Avenue from I-95 to Jenkins Road in Ft. Pierce
• One westbound lane of Orange Avenue will be closed Tuesday through Friday from 9 a.m. to 4 p.m. and Tuesday through Thursday night from 9 p.m. to 6 a.m. for utility work. For more information, please contact Steve Jungjohan at 772-882-5084.
20. U.S. 1 from Easy Street to Weatherbee Road in Ft. Pierce
• One northbound lane of U.S. 1 will be closed Tuesday through Friday from 9 a.m. to 4 p.m. for utility work. For more information, please contact Steve Jungjohan at 772-882-5084.
21. Southbound Florida’s Turnpike/SR 91 Entrance Ramp from Becker Road (Exit 138)
• Full Closure: Southbound Florida’s Turnpike/SR 91 entrance ramp from Becker Road (Exit 138) will undergo overnight full road closures 10 p.m. Monday, September 7, to 6 a.m., Tuesday September 8; and 9 p.m. to 6 a.m., Tuesday September 8, and nightly through Thursday, September 10. Detour information is as follows:
o Westbound Becker Road traffic wishing to access southbound Florida’s Turnpike/SR 91 will be directed to Port St. Lucie Boulevard/Citrus Boulevard, travel south on Citrus Boulevard to Martin Highway/SR 714 and travel east on Martin Highway to access southbound Florida’s Turnpike.
o Eastbound Becker Road traffic wishing to access southbound Florida’s Turnpike/SR 91 will be directed to Port St. Lucie Boulevard/Citrus Boulevard, travel south on Citrus Boulevard to Martin Highway/SR 714 and travel east on Martin Highway to access southbound Florida’s Turnpike. For more information, please contact Yasir Mercado at 305-964-4861.
How to Stay Comfortable on Long Drives
Article by: Consumer Reports
Long car trips can literally be a pain. But you can remain physically comfortable on long drives with these tips.
Stay alert. Drowsy driving can be fatal. Don’t push yourself to drive late into the night, when you are usually asleep. Switch drivers if you start to fade. If you’re the only driver, get a hotel room.
Pull over every 2 to 3 hours. “Sitting too long is hard on the lower back due to that constant flexed position,” says Lynn Millar, Ph.D., chair of the department of physical therapy at Winston-Salem State University in North Carolina. It may compress the discs between your vertebrae, potentially leading to pain, numbness, or tingling in the legs. Your neck and hips could get tight, too. Getting out of the car and walking around a bit can help keep you comfortable on long drives.
Stretch your back. On your driving breaks, stand tall and circle your shoulders back five times. Then reach arms overhead and arch back slightly. Hold for 5 seconds, then lower arms and repeat once or twice.
Uncramp your legs. Try this calf and hip-flexor stretch: Stand with feet staggered in a lunge, left knee bent in front and right leg straight behind so that your heel touches the ground. With hands on hips (or holding on to something for balance), clench the right side of your gluteal muscles. Hold for 30 seconds, then switch legs and repeat.
Relax your shoulders. Keeping your chin parallel to the ground, slowly draw your head back as far as you can. You might feel a stretch along your upper spine and shoulders. Repeat six times.
Flex your feet. Trips longer than 4 hours increase your risk of deep vein thrombosis, a clot that forms, usually in the lower leg or thigh, says Mary Cushman, M.D., a spokesperson for the American Heart Association. Stopping to walk around helps. Passengers in the car should do ankle rolls and alternate flexing and pointing their feet one at a time every half hour or so.
We have the greatest support team behind us, and they have outdone themselves once again. The Cruiseplanners team has designed our first Virtual Travel Planner Magazine. For those that have received the traditional “Travel Planner Magazine’ from us in the past you know all that it has to offer with its great articles and exclusive values only available at Cruiseplannners. Well now they have taken that same magazine and they’ve given it a beating heart bringing it to life. Each virtual page is packed with beautiful images, articles, and links to video clips of the world’s most beautiful places. Additionally, by going in to the Virtual Magazine you can register for a chance to win a 7 night Norwegian Cruise Line cruise.
To view the Virtual Travel Planner please click on the link below or copy and paste it into your web browser,
or visit our website at www.itsacruisething.com
We hope you enjoy,
Carolyn & Les
NORMAL REDEFINED… AGAIN
Article by: Les Leibowitz, Cruiseplanners
In the months that followed the attacks of September 11, 2001, the country began to re-open rebuild, and get back to normal, only now we faced a different issue, what is the new normal? The things we did on September 10th could no longer be done the way we have always done them, and our daily routines would be changed forever. We now arrive at an airport hours before scheduled flights, and the TSA security checks resemble theme park lines. We also consider things that we never gave a second thought to like going to the movies, shopping malls, and to restaurants. We weigh the benefits and the risks of attending large events, we evaluate crowds, and look to see where emergency exits are. We’ve made adjustments so that we can enjoy our lives safely, and get back to normal.
Well we’ve been challenged once again. COVID-19, “The Coronavirus” appeared like a Hollywood blockbuster, and spared no one. Hopefully you were not one of the many that were physically sickened by the virus, and unfortunately you didn’t have to get sick to be affected. Maybe you know someone that got the virus, or maybe you own a business that had to close due to the virus, you may even just know a business that had to shut down because of the virus, either way it touched everyone in some fashion. We watched and we listened to the experts as they told us the precautions to take in preventing the spread of the illness. As time goes on, we know realistically that staying quarantined indefinitely is just not an option, and at some point those not fortunate enough to work remotely have to get back to their places of business, and kids will have to get back into the classrooms, so we’ll make adjustments to our routines, and we’ll get back to normal.
As the world slowly re-opens, there is a rise in confidence as people once again are beginning to dine out, shop at malls, and gather in small numbers. We know that after being locked down for the last few months, people are ready to get out, and ready to take real vacations again, and destinations around the world are anxiously waiting to welcome guests back. In a few weeks theme parks, and resorts will re-open, and over the summer Cruise ships will start sailing again all with reduced capacities of guests, and new guidelines, and protocols for a safe and healthy visit while trying to minimize any inconvenience. Recently, we have seen a new trend in vacation planning. There has been an increase in interest in tourist attractions within the United States such as beachfront, and mountain resorts, vacation home rentals, and recreational vehicles, and American river cruising just to name a few. While these ideas themselves are not new, they have recently become more popular as people want to stay closer to home, at least for now. All of us in the travel industry are anticipating that the implementation of the new guidelines and procedures will be so seamless that we won’t even realize the adjustments have become part of the daily routine, and we’ll get back to normal.
Finally, Carolyn and I have always said that while it’s not required for all travel, passports and travel insurance are going to be more important for travelers than ever before even if you are staying on the homeland. So, whatever it is that you chose to do, there is no doubt that things will feel different, and at times seem odd for a while, but we’ll get used to it, we’ve done it before. This is normal re-defined, again.
If you have any questions regarding the current travel advisories and guidelines or travel in general, please feel free to contact Carolyn or myself at any time as we will be glad to assist any way that we can.
Driving Tips to Help You Increase Gas Mileage
Article Courtesy of AAA
Your car isn’t the only factor that directly impacts how much gasoline you use (and pay for) each year—it’s also how you drive.
Fuel is the second biggest cost of owning a car, according to AAA research. But there are ways to use less. Simply driving sensibly—avoiding rapid acceleration and braking, for example—can save you up to 40 percent on gas in stop-and-go traffic, according to fueleconomy.gov.
Here are driving tips to help you increase gas mileage—which, in return, will save you money at the pump:
Avoid “jackrabbit” starts, but don’t accelerate too slowly.
Pro tip: Drive like there’s an egg on the gas pedal—press evenly and gently on the accelerator to avoid breaking the egg.
Gas mileage usually decreases rapidly at speeds above 50 mph. Reducing highway speeds by 5 to 10 mph can increase fuel economy by 7 to 14 percent, according to fueleconomy.gov.
Tests have shown that using cruise control when driving on level highway roads can save gas. That’s because maintaining a constant speed requires less accelerating and braking. Just remember to avoid using cruise control on wet or slippery roads.
Estimate how much gas your vehicle will use on a road trip with the AAA Gas Cost Calculator.
Lose unnecessary vehicle weight
Every pound of unnecessary stuff in your car reduces fuel economy, and rooftop carriers multiply the effect with additional wind resistance. If you’re not using that bike rack and don’t need that box of old books, leave them at home to increase gas mileage.
Stay aware of traffic ahead of you; when you anticipate you’ll need to stop, let your foot off the gas as early as possible (using brakes as necessary to let other motorists know your intentions). Time stoplights to maintain momentum and avoid unnecessary stop and go.
Pro-tip: Using a prepaid pass on toll roads can help avoid stops and increase gas mileage, too.
Avoid excessive idling
Idling can use a quarter to a half gallon of fuel per hour, depending on engine size and whether you’re using the air conditioner, according to fueleconomy.gov. Avoid long warm-ups in the morning, and when safe to do so, shut off your engine if you’ll be stopped for more than a minute.
Combine errands into one trip
Getting more things done in one outing can help increase gas mileage. Also consider what time you’re heading out—avoiding stop-and-go rush hour traffic can save you time and money.
Bonus tip: Give your car some TLC
These don’t involve driving, but good habits in maintaining your car can help increase gas mileage. Reduce fuel economy by maintaining recommended tire pressure, keeping the air filter clean and replacing exhaust oxygen sensors before they fail.
Cruise Planners “Don’t Let Our Name Fool You”
Article by: Les Leibowitz – Cruise Planners
Finding a subject for an article is not always as easy as one might think. As the author you want to compose something that is both interesting and helpful for the reader and for the author. I found that for me the easiest topics come from common questions that Carolyn and I get from people such as what is the best Cruise ship or the best destination, but here is the one question that comes up even more often than the others, and that is “do you just do cruises”? The short answer is No, but then that would violate the rule of making this article interesting and helpful.
“Cruise planners” is an American Express Travel Partner with its corporate headquarters based in Florida and is the largest home-based travel franchise in the nation with over 2,000 franchise owners. We’ve owned our franchise for fifteen years and operate it locally in Palm City with associates of our franchise on Florida’s West Coast, Northern Florida, and New York City. While the name says who we are, it hardly scratches the surface about what we do. As cruising is ever so popular today with oceans full of ships to meet just about everyone’s life style and wallet and offers such things as fine dining, Broadway style entertainment and theme park style adventure all in one place, we can also provide vacation options far beyond the deep blue sea. An industry term commonly known as a “full service” agency, means that we can build for you a land vacation as you want it with destinations from right here in the U.S. to historic cities of Europe or even an adventurous African Safari. As we do with all our cruise industry partners, Cruise planners maintains partnerships with the world’s leading tour vendors and suppliers providing us and you with the best overall availability and experience possible. From a simple hotel stay with lazy days on the beach to golf at the pebble beach resort, from a Colorado ski trip to Scuba diving in the Galapagos, A historic tour of the Civil War battlefields to retracing the footsteps of the D-day invasion with the “Beyond the Band of Brothers Tour”. Anywhere in the world that you can think of going either by land or by sea, Cruise planners can get you there. As it says in all of our advertising we are “your land and cruise experts.
There Are So Many Benefits of Traveling?!
Article by: Pete R.
Everyone keeps saying how important it is to travel. So what's all this fuss about?
The benefits of traveling are not just a one-time thing: traveling changes you physically and psychologically. Having little time or money isn't a valid excuse. You can fly for cheap very easily. If you have a full-time job and a family, you can still travel on the weekends or holidays, even with a baby.
Here are some of the main benefits of traveling. And I'm sure that once you get started, you'll find some more yourself!
Traveling Improves Your Health
Traveling Disconnects You From Your Daily Life
Traveling Makes You Smarter
Traveling Improves Your Understanding of Other Cultures
Traveling Makes You More Interesting
Traveling Allows You to Try Amazing Food
Traveling Makes You Feel Like An Adventurer
Traveling Expands Your (Real) Social Network
Traveling Creates Lifetime Memories
Traveling Makes You Love Your Home Even More
Final Words On the Benefits of Traveling
Traveling Doesn't Make You Feel (As) Bad For Spending Money
There is (yet) another one by Mark Twain: “Twenty years from now you will be more disappointed by the things you didn't do than by the ones you did do.” Cliché as this may sound, the money you spend on travel, is an investment in yourself. Travel doesn't make you feel as bad for spending money.
And one last benefit of traveling: it might provide some money when your flight is disrupted!