Travel agents back in demand #discount #travel #packages

#online travel agents
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Travel agents back in demand

Tim Shortt, FLORIDA TODAY

Passengers arrive for Royal Caribbean’s Enchantment of the Seas cruise at Port Canaveral.

Passengers arrive for Royal Caribbean s Enchantment of the Seas cruise at Port Canaveral. less

It sounds so last century, but Geraldine Blanchard remembers a time when only travel agents or airlines could book flights for passengers.

Those days flew by the wayside in the 1990s, with the advent of technology that allowed everyone with Internet access to work directly with airlines and travel providers to reserve their own passage, by land or sea. Travel agencies nationwide suffered and, in many cases, downsized or closed

“It was like everyone became a travel agent, or thought they were,” said Blanchard, vice president and co-owner of Global Tours Travel of Melbourne.

But increasingly, certain segments of the traveling public appear to be returning to travel agents to do their booking and oversee their journeys.

It’s not all good news, at least job-wise. According to the Bureau of Labor Statistics, there were 64,680 full-time travel agents in 2012. A decade before, there were 95,360.

Revenues, however, have gone up. Travel agencies generated $17.5 billion in revenue in 2011, up from $9.4 billion in 2002, according to the Census Bureau. Part of that is due to higher pricing, but it also can be attributed to increased productivity thanks to technology. For instance, agencies used to have a backroom of agents who put together paper tickets and mailed them to clients.

However it happened, Blanchard is pleased — and busy.

“The pendulum is going the other way once again,” said Blanchard, whose business is 18 years old. “And it’s wonderful for us.”

At 72, Shirley Fulton wouldn’t dream of taking off on a trip without conferring with her preferred travel agency, Cruise Holidays of Viera.

Just in the past year or so, the Brevard resident has taken several cruises — the longest, 15 days, and the shortest, two-day jaunts. Some are with girlfriends; she’s also gone on group trips led by Larry and Lynda Jackson, owners of Cruise Holidays.

She feels safer and, in turn, has more fun, she said of going that route.

“I’ve gotten lazy and old and, I’d like to think, smarter,” Fulton said, laughing.

“I thought I’d be paying more by using a travel agent, but that’s not the case. I like the fact that I can call Larry and Lynda and say, ‘I’m not doing anything next June. Whatcha got going? Any specials?’ And if a problem arises, you’re not hung out to dry with some airline or cruise ship, where you don’t know how to handle what’s going on. A travel agent handles it for you.”

Adam Weissenberg, vice chairman and leader of Deloitte’s U.S. Travel, Hospitality and Leisure practice, said travelers are more willing to turn to professionals when they’re dealing with unusual locations or high-end luxury and specialized travel. More senior travelers are also more likely to seek help, he said.

“I think even though online continues to grow, there will always be demand for that personal level of service for certain segments of the traveling population,” he said.

Larry Jackson, a former stockbroker, remembers clearly the late 1990s, when online travel businesses became popular and consumers sought deals on the Internet rather than via travel experts.

For a time, “It almost became like the national pastime, to see who could get the cheapest deal online,” said Jackson, whose Cruise Holidays is now 10 years old.

“It turns out, the cheapest cruise might not be the best for you,” he said. “So you wind up on the wrong vacation for you, in the wrong place. Especially today, with the money people are spending on vacations, people are being more careful.”

But for some tech-savvy people, the appeal of doing it themselves outweighs any benefits gained by using an agent,meaning some uncertainty is likely to continue for the industry.

A trio of travelers waiting for a Charlotte-bound flight at Melbourne International Airport said though they’ve used travel agencies, they prefer the self-serve option.

Joni Slattery, who has relatives in Florida, did all the planning for a trip for herself and colleagues Dottie Patria and Christine Tarr — visit to Walt Disney World included.

For Slattery, a convenience store owner in Maine, much of the appeal of doing it herself is about control.

“I like to choose where I’m going to sit; know exactly how long the connection time is going to be,” she said.

“I don’t want it to be 30 minutes, but I also don’t want it to be six hours. I could use a travel agent, but I can also do it myself.”

And Carl and Nicole DeMaria, who live in Atlanta and just bought a home in Vero Beach, said Nicole’s never failed to book trips that went off without a hitch. They travel several times a year, often with their dog, Ellie, and do all their booking online.

“Any vacation we do, Nicole plans,” said Carl, fresh off a flight from Georgia. “We used a travel agent for a trip to Greece and everything was wrong.”

Those who have long sworn by travel agents, though, say they’ve established relationships that ultimately save time and any hassle.

“If I have to go online and look for flights and tickets, well, it takes time to do all that,” said Joe Schmitt, president of Certified Thermographic Services Inc. of Palm Bay.

“I can make a call, and my agent will come back to me and say, ‘Here’s what you want to do.’ And if there’s a problem, or if I want to make a change or if I have a question, I have a one-stop shop as far as travel goes.”

Travel stats

• 47.5: Average age of leisure travelers. Mature travelers comprise 36%.

• 45.9: Average age for business travelers. 26% are 45 to 54; 20% are 55 to 64; 24%, 35 to 44; 9%, 25 to 34.

• 10%: Projected increase in employment of travel agents from 2010 to 2020.

• $62,500: Median household income for domestic leisure travelers in 2012.

Source: Bureau of Labor Statistics and U.S. Travel Association





28/11/2017

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How to Get Cash Back From a Credit Card: 13 Steps


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How to Get Cash Back From a Credit Card

Understand how cash back rewards work. The cash back on cards that offer this benefit usually come in the form of credit added back to the account. Depending on the card, you will earn different cash back amounts in the form of percentages. The Royal Bank of Canada (RBC), for example, offers a card that pays 2% for purchases in grocery stores and 1% on all other purchases and automatic payments. [1]

  • Different issuers will provide different options regarding when to apply the earned cash back benefits. The aforementioned RBC card, for instance, allows you to receive the payments every time the balance reaches $25 or once a year, getting you a bigger sum all at once. [2]

Compare cash back benefits. You can use websites such as NerdWallet or The Simple Dollar (among many others) to compare the relative benefits of different cards, such as where they earn the highest percentage of cash back and how you get to apply the funds. [3] [4]

  • Most offer between .05% and 2% on average, although some have raised it as high as 5%. Other cards offer higher rates for the first several months you have the card but not permanently. [5] Read the fine print on each card to determine which is most likely to benefit you.

Narrow your selection based on other credit card criteria. Cash back cards are still subject to annual fees and annual percentage rates (APRs) just like normal credit cards. Make sure you take these factors into consideration as well as you research and choose an appropriate card for you.

  • Since APR is tied to factors like credit score, it helps to have your current score on hand. Many of the sites you can use to compare cards allow you to narrow based on your credit score as one of the criteria. [6]

Apply for the card you choose. The application process for these cards is the same as any other credit card. It will include your personal information, such as address and social security number, as well as employment information. You will also have to authorize the company to look into your credit history. Try not to apply for a card for which you think you might not qualify. The number of times you apply and are rejected for a credit card makes up part of your credit score.

  • Most companies will allow you to apply online, or you can print off an application to mail in.
  • Once you receive the card, you will call a toll-free phone number to activate the card.
  • Sign the back of the card in the signature box, or write “request ID” if you do not wish to have your signature on it. You will then be required to show identification each time you use the card.

Tips Edit

Review and compare your current program at least once a year to new offers, as these are ever-changing. If you find an offer you like, call your current credit card company and attempt to negotiate. It is easier to stay with the same company than to change if they are willing to meet your terms.

Check if the card is 0% interest and zero fee for the first year only or also for subsequent renewals. They often will trick you here in the fine print.

Consider cards where you earn miles or points as well. Cards where you earn rewards with specific businesses such as airlines or companies often accrue rewards at a higher rate than cash back rewards. Though these rewards are less redeemable, they can still turn out more beneficial to you if you commonly make large purchases with that specific merchant.

Use the card for everyday purchases to optimize your cash back reward.


03/11/2017

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How to Recover Data from Failed Raid 1? #recover #data #from


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Restore Data from Failed Raid 1

RAID 1 also known as Disk mirroring, is the replication of data to two or more disks. It is good option for applications that require high performance such as transactional applications, email and operating systems. While using RAID 1, an exact copy of data is created on two or more discs. This technique will give more reliability and read performance. The only issue is storage capacity (the total storage used by RAID 1 will be equal to capacity of the smallest disk).

However, RAID users may struggle a lot if data gets inaccessible due to Raid 1 drive failure. Let us know in which situations Raid 1 drive get failed on a Windows computer:

  • Occurrence of more number of bad sectors on hard disk may result in raid 1 drive failure
  • If you do any mistake while changing file system, then RAID 1 drive may fail to work further
  • OS crash is the other common reason for failure of RAID 1 drive
  • Failure of RAID technology can also make drive unreadable and useless

Once the RAID 1 drive gets failed it will show different kind of error messages like:

  • Storecenter disk failure
  • Critical error on RAID 1 drive
  • Failed hard drive: RAID1

In case, you come across above mentioned errors, then how will you solve them? How will you get back data from failed RAID 1 drive? Dont worry you can easily recover failed raid 5 array. raid 10 and raid 0 by using proficient data recovery program.

Software to extract data from failed RAID 1:

Yodot Hard Drive Recovery tool will help you to retrieve data from failed RAID 1 drive. This program has the ability for recovering data in all kind of risky conditions like RAID1 drive corruption, OS crash and disk failure. Addition to RAID 1, it can retrieve data from RAID 10. RAID 5 and RAID 0 on Windows system. Anyone can use this software easily because of its user friendly UI design. If you feel any difficulty while performing data retrieval process, you can contact same to the 27×7 technical team through mail or phone call. The utility can get back data from different brands of RAID drive such as Intel and Seagate. Apart from RAID drives, the tool is helpful in restoring data from internal / external hard disk, USB flash drive, mmeory cards, SSD and many other storage drives. This application can be used on various versions of Windows OS (Windows Vista, Windows XP, Windows 7, Windows 8, Windows 8.1, Windows 10, Windows Server 2003 and 2008).

Procedure to get back data from failed RAID 1 drive:

  • First, connect failed RAID 1 drive to a healthy Windows system
  • Then, download and install Yodot Hard Drive Recovery software on the computer
  • Once installation is over, run the application in order to start recovery process
  • Tool will show two options “Partition Recovery” and “Formatted / Reformatted Recovery” in main screen
  • Choose “Partition Recovery” to get back data from RAID 1 drive
  • Next, this program will display list of logical and external drives detected in system
  • Select the partition which contains RAID 1 drive
  • Then, software will start scanning process, wait for few minutes till it gets finished
  • Later, you will see data in two views such as “Data view” and “File Type View”
  • Mark the required files or else click on “Skip” button to select all files by default
  • Then, save extracted files to a desired location other than source location

Important Tips.

  • Be careful while changing file system, chances are there to commit mistake here
  • Maintain significant data on some other storage devices to handle sudden data loss situations

Other Popular Software

Recover and restore deleted photos lost from your digital camera memory card or the images from your Windows PC. The software can recover all popular image types including popular audio and video files.

The only undelete application for Mac that can recover deleted files from HFS+, HFSX partitions on Mac. The software also has the ability to recover lost files using RAW signature method.


01/10/2017

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Dopps Chiropractic Clinic Wichita Chiropractor #dopps, #dopps #chiropractic, #wichita, #chiropractor #wichita,


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A t Dopps Chiropractic at 6820 W. Central in Wichita, we have provided chiropractic relief of neck pain, back pain, headaches, and many other conditions. for over 35 years! Dopps is Chiropractic.

We provide an integrated approach to your health care needs. We believe chiropractic care along with diet, rest, and exercise and educating our patients, so that they can figure out what daily activities are causing their health problems. We work to provide the highest quality care available.

We believe health is the natural state of your body. So let our friendly and experienced staff help you start enjoying more out of life with less pain and more vitality, naturally! Contact us today for an appointment .

Yours in Health,

6820 W. Central

316-722-5555

The doctor of the future will give no medicine but will interest his patients in the care of the human frame,
in diet and in the cause and prevention of disease.
–Thomas Edison

Dan is the best atheletic chiropractor in Wichita, KS 67212. Specializing in sport injuries with Wichita professional athletes and Wichita’s hopefuls. Providing families in the Wichita are with drug free back treatment and affordable spinal health care. Our chiropractic office is located in West Wichita, Kansas. We are close to 67205, 67235, and 67209 zip codes, but are located in the 67212 zip code. Dr. Daniel and Doctor Rory Dopps are the best chiropractic physicians in Wichita.
Exam, x-ray, and therapy are provided for back pain, neck pain, knee pain, hip pain, shoulder pain, foot pain, running pain, hockey injuries, and golf pain. We provide treatment for adults, teens, and children. We offer services for for scoliosis, pregnancy, sciatica, whiplash, migraines, fibromyalgia, arthritis, bone spurs, stenosis, headaches, and rehab. We treat pinched nerves. We work closely with insurance to provide care for auto and car accidents and injury. We work with area doctors for referrals, spine evaluation, physical therapy needs, surgery prevention, and wellness care. Our office uses digital xray, electronic health records, online scheduling, text remind messages. We accept all insurances and have contracts with most major insurance companies.


26/09/2017

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Help for IRS Tax Problems #irs #tax #problems, #irs #debt, #tax


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Help for IRS Tax Problems

Ignoring IRS tax problems can be a costly mistake. If you owe back taxes and don t deal with your tax debt, penalties and interest will add up and the IRS may resort to liens, levies, or wage garnishment to recover their money. If you re in this situation, there is hope. The trusted tax professionals at Frank E. Nute CPA, LLC, a Edina, MN CPA firm, are ready to find a permanent solution to your tax problems with the IRS.

For most taxpayers, trying to deal with the IRS is stressful, confusing, and ultimately unsuccessful. But when you turn to Frank E. Nute CPA, LLC for assistance, we ll work directly with the IRS on your behalf. We know their rules, understand their tactics, and can speak their language to negotiate a fair payment plan or help you take advantage of an appropriate tax relief program.

Contact us at 952-405-2082 now or request a consultation online. We ll examine your situation and recommend a course of action that will resolve your tax problems as quickly as possible while minimizing the impact on your finances.

Our wealth of experience in tax resolution means we can assist with audits, resolve payroll tax problems, file back taxes and more.

We’ll work with the IRS on your behalf to find the best solution for you like an offer in compromise or installment agreement.

Trying to handle tax problems on your own is timely and confusing. You can trust our experience to get the job done.


18/09/2017

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Self Assessment tax returns: Who must send a tax return #how


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Self Assessment tax returns

2. Who must send a tax return

The tax year is from 6 April to 5 April the following year.

You’ll need to send a tax return if, in the last tax year:

  • you were self-employed – you can deduct allowable expenses
  • you got £2,500 or more in untaxed income, for example from tips or renting out a property – contact the helpline if it was less than £2,500
  • your income from savings or investments was £10,000 or more before tax
  • your income from dividends from shares was £10,000 or more before tax
  • you made profits from selling things like shares, a second home or other chargeable assets and need to pay Capital Gains Tax
  • you were a company director – unless it was for a non-profit organisation (such as a charity) and you didn’t get any pay or benefits, like a company car
  • your income (or your partner’s) was over £50,000 and one of you claimed Child Benefit
  • you had income from abroad that you needed to pay tax on
  • you lived abroad and had a UK income
  • your income was over £100,000
  • you were a trustee of a trust or registered pension scheme
  • you had a P800 from HMRC saying you didn’t pay enough tax last year – and you didn’t pay what you owe through your tax code or with a voluntary payment

Certain other people may need to send a return (for example religious ministers or Lloyd’s underwriters) – you can check whether you need to. You usually won’t need to send a return if your only income is from your wages or pension.

If you’ve been told to send a return

If you get an email or letter from HM Revenue and Customs (HMRC ) telling you to send a return, you must send it – even if you don’t have any tax to pay.

If you used to send a tax return but don’t need to send one for the last tax year, you can contact HMRC to close your Self Assessment account.

Claiming tax relief

Fill in a tax return to claim money back from HMRC for:

Registering for Self Assessment

You need to register if you didn’t send a tax return last year. There are different ways to register if you’re:

If you’re new to Self Assessment, you’ll need to keep records (for example bank statements or receipts) so you can fill in your tax return correctly.

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    09/09/2017

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  • Laser Back Surgery in Fort Worth – Trinity Orthopedics #laser #back


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    Laser Back Surgery in Fort Worth

    Laser Back Surgery in Fort Worth . There’s not a day that goes by where someone doesn’t come in the office wanting to know if we offer laser back surgery. At Trinity, orthopedic doctor Dr. Larry Kjeldgaard has been using lasers in back surgery for years. It’s a good tool, and in the right hands it can be very effective. Dr. Kjeldgaard usually tells people that eye surgeons tend to condition people to believe that the involvement of lasers means that laser back surgery is pain-free, perfect, and easy. However, he also believes that this train of thought is a little too optimistic.

    So, what’s the truth about laser spine surgery? In this video, Hurst orthopedic surgeon Dr. Larry Kjeldgaard talks about laser back surgery and what it means in terms of orthopedic surgery .

    Laser Back Surgery in Fort Worth

    The Truth About Laser Back Surgery

    Laser back surgery is a popular term online, but it can be very misleading. Lasers actually have very limited use in back surgery and are often considered to be a gimmick. A laser around the nerves, if used with indiscretion, can hurt the spine. It can hurt the nerve. You have to be very careful with a laser, and it takes a very skilled orthopedic surgeon to perform laser back surgery. When it s appropriate, it s a good modality. Laser surgery is not a cure-all. It s not a panacea. It s not the perfect fit for every spinal problem. However, lasers can be effective.

    Our doctors and staff tend to prefer a more conservative approach. using pain management or physical therapy in place of surgery. However, they are surgeons, and they can perform any necessary surgery in order to get you back on your feet. There s nothing magical about lasers, but Dr. Larry Kjeldgaard of Trinity Orthopedics knows how to use them and knows how to use them well.

    Who’s a Good Candidate for Laser Back Surgery?

    Typically someone who s a younger individual with a one-level isolated disc problem off to the side of the spine are the best candidates for spine laser surgery. Many of the surgeries are one-day surgeries. You come in, have it done, and go home the same day. At Trinity Orthopedics, our doctors get you back on your feet. We get you walking almost immediately. When appropriate, we have physical therapists on staff, and we re happy to order physical therapy for any patient who needs it.

    Are you hurt? Contact Trinity or call 817-283-5252 for an appointment.

    CALL NOW 817-283-5252


    08/09/2017

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    Headache Location of Pain (Top, Back, Sides, Front of Head) #painful


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    Headache Location of Pain (Top, Back, Sides, Front of Head)

    Different Presentations of Headaches

    The term headache refers to a number of different presentations of discomfort or pain in the head. Headaches may be unilateral (one sided) or bilateral (both sides). The duration and onset may be intermittent. episodic or constant. There are acute types of headaches which come on suddenly and often eases just as rapidly, and chronic headaches which may come on and persist for days or weeks or return frequently at the same spot.

    Sometimes concomitant symptoms like nausea, vomiting, nasal congestion, watery eyes, eye pain, dizziness and even jaw or ear pain may be present. Headaches are not as well understood as one may think. There are some types of headaches with definitive causes, while with other types of headaches there may be several hypotheses as to the cause based on known risk factors.

    Headache Areas of the Skull

    The terms for different anatomical positions can be confusing. A simple way to identify the location of the headache is to look at the position in relation to the parts of the skull, particularly the cranium.

    This is a rather simplistic approach which may at times be misleading. For example, the area behind the ear still falls in the temporal region and not occipital. Whereas some may argue that the upper parts of the back of the head is the occipital region, it may actually be the parietal region. However, a basic understanding of the anatomical terms when discussing the location of pain is helpful.

    In some cases the exact location of the pain cannot be identified. Patients will report that the pain is everywhere or on the entire head . This is known as a generalized headache. This term can sometimes be used for headaches where patients describe a halo type of headache around the head or a band running around the head. Another complaint is that the headache involves the entire head with certain parts being worse than others. This too can be considered as a generalized headache although the area with the most intense pain may provide a better indication of the cause.

    Parts of the Human Skull (Picture from Wikimedia Commons)

    Location in Different Types of Headache

    Determining the type of headache depends on multiple factors apart from the location. The guide below is intended to indicate the most common location of pain in the different types of headaches and is not a diagnostic guide.

    Tension-Type Headache

    • Pain radiates from back (occipital) to front (frontal).
    • Duller pain on parietal region with pressure on the vertex.
    • Pain like a band around the head.
    • May be accompanied by neck pain or stiffness.

    Cluster Headache

    • Often one-sided (unilateral) pain.
    • Typically involves pain around or behind the eye on the affected side.
    • May be be accompanied by pain at the bridge of the nose, or on the affected side of the nose.

    Migraine

    • Pain tends to affect one half of the head (unilateral) but can occur on both sides (bilateral).
    • Location may vary but often occurs on the frontotemporal region (frontal + temporal or front + side).

    Ice Pick Headache

    • Pain can occur anywhere and even the location may change during attacks.
    • Tends to occur on the temporal (sides) or parietal (top) regions.

    Cold-Stimulus Headache (Brain Freeze / Ice Cream Headache)

    • Affects the temporal region on both sides (bilateral / bitemporal)
    • May occur around or even behind the eye on one or both sides (unilateral / bilateral)

    Chronic Paroxysmal Hemicrania

    • Pain may affect one half of the head.
    • Tends to be more prominent on the temples (temporal) and around the eye (periorbital).

    SUNCT Headache

    S hort-lasting, U nilateral, N euralgiform headache attacks with C onjunctival injection and T earing

    • Pain typically around the eyes (periorbital).

    Headache with Cough, Exertion, Intercourse

    • Pain tends to occur at the back of the head (occipital), on top of the head (parietal) or is generalized.

    Headache Pain Based On Location

    Headache Pain on the Top of the Head

    • Tension-type headache
    • Ice pick headache
    • Cough headache
    • Exertional headache
    • Coital (intercourse) headache

    Headache Pain at the Back of the Head

    • Tension-type headache
    • Cervicogenic headache
    • Cough headache

    Headache Pain on the Sides of the Head

    • Migraine
    • Ice pick headache
    • Cold-stimulus headache (brain freeze)
    • Chronic paroxysmal hemicrania

    Headache Pain at the Front of the Head

    • Tension-type headache
    • Migraine
    • Eye strain
    • Sinusitis

    Headache Pain Behind or Around the Eyes

    • Cluster headache
    • Chronic paroxysmal hemicrania
    • Cold-stimulus headache
    • SUNCT

    13/08/2017

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    You need to pay your taxes quarterly if #how #to #find


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    You need to pay your taxes quarterly if.

    For most of us, tax day comes just once a year — on or around April 15. But for people who owe estimated taxes, Uncle Sam expects a check four times a year. Unfortunately, you may be one of those beleaguered quarterly taxpayers if any of the following scenarios applies to you.

    • You cashed in some significant stock market winners but did not change the tax withholding from your salary.
    • You or your spouse are or became self-employed and owe both income and self-employment taxes for your efforts.
    • You employ a nanny and pay her federal payroll taxes. You can do this in quarterly payments or in one lump sum when you file your taxes in April. (But you may owe interest if you wait until April.)
    • You have income from other sources that you forgot to consider (or had no way of knowing about) when you filled out your W-4 for 2016.

    Now that I’ve gotten thousands of you scared, let me tell you the good news: you need not worry about estimated taxes for the 2017 tax year if you are in one of the following two situations.

    • Anyone who expects his 2016 tax bill net of salary withholding to be under $1,000.
    • Any U.S. citizen or resident whose tax liability for 2015 was zero. You are exempt from any estimated tax payment requirement for 2016.

    As for the rest of you, please keep reading. I’ve tried to be brief, but the rules are complex. So anyone wanting more information should download IRS Publication 505 from the IRS website.

    Estimated tax payments for the 2017 tax year are due on April 18, June 15, September 15, and January 15 of 2018. All payments should be accompanied by Form 1040-ES, which you can also download from the IRS website. It takes just a few seconds to fill out (honest). If you underpay one or more installments, you get charged interest until the day you catch up. However, the government charges a very reasonable rate: only 4% at the time this was written, subject to change each quarter. Any payments outstanding after April 16 of next year are hit with a 0.5% a month “failure to pay” penalty (equivalent to an annual rate of 6%) plus the aforementioned interest charge.

    So how much do I owe?

    If you want to completely avoid any interest charges for the 2016 tax year, you must cough up enough via withholding and/or estimated payments to satisfy any one of four “safe-harbor” guidelines. Remember to include any withholding when calculating your payments.

    • The first safe harbor is only for folks with 2016 adjusted gross income of $150,000 or less. You will be safe for 2017 if you pay in at least the tax liability number shown on last year’s return (the amount on line 63 of your 206 Form 1040).
    • If your 2016 adjusted gross income was over $150,000 (the amount shown on line 37 of your 2016 Form 1040), you are covered for 2017 if you pay in at least 110% of last year’s tax liability via withholding and/or estimated payments.

    Regardless of your income level last year, you are cool with the feds if you pay in at least 90% of whatever your 2017 tax bill turns out to be. Obviously, this requires some guesswork on your part. Hence the term “estimated taxes.”

    Finally, if this year’s income starts off low and ends up high (say because you have huge fourth-quarter capital gains), you should probably use the “annualized method.” This is an exception to the general rule that your four estimated tax payments should be equal. Under the annualized method, estimated payments correspond to your cash flow, so you won’t owe big installments on the earlier due dates before you have the money to pay them. Unfortunately, the calculations are fairly difficult. (See the instructions to Form 2210, Underpayment of Estimated Tax by Individuals, Estates and Trusts.)

    You are free to use whichever of the above safe harbors does the best job of minimizing or deferring your estimated tax payments. However, if you don’t successfully pull into one of the safe harbors, you’ll be charged interest on the payment shortfalls. You can calculate the interest yourself when you file your 2017 return (using Form 2210 and entering the interest due on the appropriate line on page 2 of Form 1040) or let the IRS do the math and bill you.

    Example: You figure you’ll owe the government $20,000 for this year (2017), but only $12,000 will be withheld from your salary. Obviously, you’ll be underpaid to the tune of $8,000. But there’s no need to make any estimated payments for this year if your 2016 tax liability was $12,000 or less (assuming 2016 adjusted gross income was $150,000 or less). The first safe harbor listed above gets you off the hook.

    But if last year’s tax bill was $15,000, you’ll need to make $3,000 in estimated payments ($750 each) to reserve your safe-harbor berth (counting the estimated tax payments, you will have paid in a total of $15,000 for 2017, which gets you safe under the first safe harbor).

    What if I miss a payment?

    You won’t be the only one. You have several alternatives to avoid or at least minimize the interest-charge hit.

    Say you will be getting a $2,000 refund from your 2016 return. After reading this, you are surprised to find out you owe $3,000 in estimated payments for 2017 ($750 for each quarter). Here’s the easy solution: When you file your 2016 return, tell the IRS you only want $500 back (by entering that amount on line 76a of your 2016 Form 1040). You can use the other $1,500 to cover your April and June estimated payments for this year (enter $1,500 on line 77 of your 2016 Form 1040). Then stay on track by making the last two payments for your 2017 tax year by the Sept. 15, 2017, and Jan. 15, 2018, deadlines.

    You can also reduce or eliminate the interest-charge hit from missed estimated tax payments by increasing your salary withholding. Do this by filing a new Form W-4 with your employer. For example, say you owe a total of $3,000 in estimated payments. If you jack up your withholding between now and year’s end by that amount, your estimated tax payment obligation vaporizes.

    Finally, you can stop the interest-charge bleeding simply by making oversize estimated payments to compensate for earlier underpayments. Say you missed the $750 payment due on April 18. If you pay in $1,500 on June 15, you’re all caught up. Of course, you’ll be charged two months’ interest on the $750 shortfall, but the interest is only a few bucks.

    So you see, even if the estimated-tax rules apply to you, there are easy ways to lessen the pain.

    This story has been updated.

    Copyright 2017 MarketWatch, Inc. All rights reserved.

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    12/08/2017

    Posted In: NEWS

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    How to Negotiate With the IRS Over Back Taxes #back #taxes


    #

    How to Negotiate With the IRS Over Back Taxes

    This week, Gail offers tips on how to settle your I.O.U. with Uncle Sam.

    Let’s say that back in 2004 you exercised stock options that by the end of the year were worth less than what you paid for them. Or, maybe you simply forgot to report that time you hit the jackpot in Vegas. Or maybe your tax preparer had you invest in one of those can’t-fail schemes that promised to give you a big tax write-off.

    In early 2005 you spend your savings account to turn your basement into a home theater. Then in mid-summer your world starts to crumble. You get laid off. Your child needs and emergency operation and you no longer have health insurance.

    A few months later you receive a letter stating that the way the IRS calculates your taxes, you actually owe the government $34,000 for the previous year. Since you have no cash, you send back a check for a few hundred bucks hoping the IRS will interpret this as a good faith effort.

    In 2006 you find a job at half the salary and are able to again (barely) cover your mortgage payments. However, to make ends meet during the period you were unemployed, you maxed out your credit cards. Collection agencies are hounding you. The IRS repeatedly reminds you of the obvious: you owe Uncle Sam a bunch of money from the year before and interest charges are being assessed.

    Since you needed as much money as possible in order to throw an occasional check at your creditors, you didn’t have enough tax withheld from your paychecks last year. As a result, your (new) tax preparer informs you that you owe an additional $9,000 in federal income tax. By this time, you’re so far in the hole you can’t afford to include a check when you file your return.

    The IRS notices keep coming. Since you don’t know what to do, you take the ostrich approach: you stuff them in a drawer. But you’re a nervous wreck. You’re sure you’ll show up for work one day and an IRS agent will be waiting for you.

    Then, one sleepless night you stumble downstairs, turn on your 60-inch plasma screen TV and (in surround sound) hear the answer to your prayers:

    Settle your back taxes for pennies on the dollar!

    The actor in the ad describes something called an Offer in Compromise, explaining that this allows you to wipe out your tax bill by making an offer to the IRS of an amount that you feel are able and willing and able to pay. How civilized! The ad even includes a testimonial from Joe in Fargo who was able to discharge (the legal term for erase ) $200,000 in taxes by paying just $2,000, or some other amazingly puny amount.

    Although you feel slightly stupid for not knowing about this sooner, a huge weight is lifted from your shoulders. The company sponsoring the infomercial will even help you fill out the paperwork — for a fee, of course. But who cares if you can wipe out your back taxes. You rush upstairs and wake your spouse to share this wonderful news.

    Now here’s a little reality check.

    Offers in Compromise have been around for years. But attorney Mike Goller at the Milwaukee firm of Reinhart Boerner says in order to literally settle your tax bill for pennies-on-the-dollar, you really have to be poor .

    If you have no equity in your home, don’t own any assets or investments, and are not likely to earn enough to ever pay back your debt, the IRS will settle for a small amount of money just to save the cost of seizing whatever paltry assets you do own.

    However, Goller says, If you’re upper middle class, the IRS will want a big chunk of your assets. Moreover, generally it’s not how much you owe. it’s how much you can pay .

    And that is determined, not by you, but by the IRS.

    In other words, don’t think for a second that you get to pick a number out of the sky and submit this as your offer. (Forget about proposing that your settlement be a percentage of your outstanding tax debt. That won’t fly at all.) There’s a formula that determines how much you can theoretically afford to pay. You arrive at this amount by filling out two IRS worksheets — Form 656 and Form 433-A (businesses would use Form 433-B). These require you to list the value of your assets, including your home, as well as all of sources of income. Everything must be documented.

    After the paperwork is submitted to the IRS the fun begins. Government examiners will review your numbers. According to Goller, they could agree that your offer is acceptable, or they could come up with a different amount and kick it back.

    You might have to negotiate what your future wages will be and/or the current value of your assets. This is where the compromise comes in.

    Say you estimate your house is worth $200,000 and the IRS says it’s worth $300,000, says Goller. That’s a $100,000 difference in equity.

    Oh, and that company you hired to fill out the forms for you? Don’t assume they’re going to help if you reach the negotiation stage. Read the fine print: it might say that their only obligation is to complete the original paperwork.

    Here’s the good news: you don’t have to pay someone else $5,000-$10,000 to file an Offer in Compromise. You absolutely can do this yourself, according to Goller. Besides, wouldn’t you be better off if that money went toward reducing your tax bill, instead? The forms and instructions can be downloaded from the IRS website, www.irs.gov .

    The number of Offer in Compromise submissions has increased significantly in recent years (those infomercials are apparently quite effective). Goller says one reason more folks are filing them is that once it receives your offer, generally, the IRS will stop its collection activity.

    Translation: if the IRS is about to garnish your paycheck, filing an Offer in Compromise can put that on hold.

    In order to reduce the volume of bogus Offer in Compromise requests (presumably by people who could afford to pay up, but want to postpone doing so), in recent years the IRS has instituted a number of changes in how these are processed. One of the first was to slap a fee of $150 on every application.

    Goller, an expert on this topic, says the IRS is also taking a very technical approach. If your paperwork is incomplete or if you don’t meet specific deadlines, your offer will be rejected. I’ve seen offers denied because they were a day late, he says.

    His advice: read the instructions carefully, be sure the worksheets are complete and accurate, attach copies of all back-up documents required — bank statements, pay stubs, brokerage statements, etc.— and, by all means, observe all deadlines.

    However, Goller say it’s the latest policy change that has sent a shiver through the legal and accounting profession: effective last July, anyone submitting an Offer in Compromise has to include a non-refundable partial payment for 20 percent of the amount they are offering as a settlement.

    Say you owe $50,000 in back taxes and penalties. According to the way you value your assets, you figure you should be able to settle for $10,000. In addition to the $150 filling fee, you now have to include a check for 20 percent of this.

    You scrape together your last $2,000 and hope you can get another $8,000, says Goller. The risk is that the IRS rejects the offer and keeps the money. So you still owe $48,000. Now you’ve got to negotiate a new amount.

    According to Goller, most offers are lump sum settlements where the taxpayer agrees to settle up with the government in one or no more than five payments, usually within 90 days after agreement is reached with the IRS.

    However, he stresses that those 90 days could be a year from now because of how long it takes to process your offer. In other words, you’ve got time to come up with the rest of the money.

    If you choose the periodic payment method it’s more costly. Although you get to spread your payments over several years, you have to make payments each month — including the months you’re waiting for the IRS to review your offer. And, either way, you have to pay a good percentage of your offer up front, says Goller.

    At this point you may be wondering why you shouldn’t just file for bankruptcy and get your back taxes wiped out that way. The simple answer is that it’s probably not possible.

    Philadelphia attorney Stephen Ross, who does a lot of bankruptcy work, says that under Chapter 13 certain debts are non-dischargeable, i.e. you still have to pay them back. This includes child support, attorney fees, up to a year of mortgage payments, and taxes owed.

    Filing under Chapter 7 erases more debt, but this does not include child support, student loans, or taxes — with one exception. If your back taxes are at least five years old and you filed income tax returns for those years this could be discharged under Chapter 7, says Ross.

    The bottom line: if you find you owe taxes you can’t afford to pay, the sooner you contact the IRS and try to work out a deal, the better.

    If back taxes are keeping you awake at night, try a glass of hot milk and an old movie instead of watching those infomercials.

    Hope this helps,
    Gail


    11/08/2017

    Posted In: NEWS

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    Orthopedic Center in Providence, East Greenwich, Middletown, Barrington – University Orthopedics


    #

    PHYSICAL THERAPY

    The Physical Therapists at University Orthopedics are important members of the multidisciplinary health care team. Upon referral to physical therapy at our Rhode Island offices, each patient receives a thorough assessment of his or her impairment and the physical therapist will plan a treatment regimen best suited to the individual problem. Read more.

    SPINE THERAPY

    One of the key features that differentiates us from other Rhode Island centers that treat back pain, including low back pain and sciatica, and neck pain is the spine-specialized therapy department at the University Orthopedics Spine Center. Read more.

    HAND THERAPY

    Our hand therapy department provides specialized rehabilitation services for patients with upper extremity dysfunction due to trauma or medical conditions. Services are provided by registered occupational therapists that have obtained specialized knowledge of the upper extremity through advanced training, continuing education courses, and independent study. Read more.

    HOME THERAPY

    A home exercise program is typically customized for an individual’s specific back problem. These exercises can be done on the living room rug while watching TV. Other stretching exercises can be done throughout the day to increase flexibility. Read more.

    INJECTION THERAPY

    Injection therapy is intended to be a means to an end. The goal is to provide the patient with enough pain relief to bridge from inactivity to physical therapy, where orthopedic problems can be better treated with special exercises. Read more.

    WHY CHOOSE US?

    The orthopedic center includes more than 25 board-certified orthopedic surgeons who are fellowship-trained, the highest level of medical training in the U.S. These specialists are clinical professors on the faculty of Brown University’s medical school as teachers of other new physicians, and leading the way with clinical research of the latest advances in orthopedic surgery and injury prevention.

    HEALERS

    Our specialists use advanced surgical instrumentation to correct the injury, enables the patient to go home the same day to the comfort of their home. Every medical specialty has become “sub-specialized” with super specialists that have the most advanced expertise in their particular niche.

    INNOVATORS

    University Orthopedics directs many clinical research efforts intended to innovate new orthopedic surgery techniques; new surgical implant devices that improve the success of various procedures; and new ways to prevent orthopedic injury.

    TEACHERS

    The physicians at University Orthopedics believe that just as they benefited from the educational training they received early on in their careers, they should return the expertise they gain through private practice by educating those coming out of medical schools who in turn take their expertise into the community.

    I can’t say enough great things about Dr. Mark Palumbo. I injured my back at work, had some disc issues with horrible pain to the point I could barely walk. When other doctors said I would not ever be able to work my very physical job again, Dr. Palumbo proved them wrong. I have been back to work for over a year now.”

    “I broke my left humerus in September 2013, I saw Dr. Got and he operated on me in October, it was a smooth recovery for me with the great team he had. I was back to work and back in the gym in four months. I would recommend anyone who experiences any bone break to go see Dr. Got.”

    Dr. Bliss is awesome. I’m so grateful to have a doctor who cares about me. He listens and is genuinely concerned about my injury. The facility is well kept and staff is wonderful. I’d recommend them in a heartbeat.”

    Amazing doctors, physical therapists, and facilities. The doctors are all very well educated and their staff are friendly as well. They also do a very good job of matching their patients to the physical therapists both in specialty and personality.”


    02/08/2017

    Posted In: NEWS

    Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

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    Novosoft Office Backup – Data Backup and Disaster Recovery Software for


    #

    Novosoft Office Backup – Data Backup Software

    Office Backup is a backup software designed for automatic backing up data of PCs running Windows operating systems. It allows you to protect important data from loss or damage by regularly creating backups and storing them to secured storage media or servers. And then, if something happens to your PC, you will be able to restore all information in a matter of minutes.

    With Office Backup you can perform both files-based and image-based backup of your HDD. The program has a simple Wizard-driven interface and can be easily utilized by users of all levels of computer expertise. It provides an easy way to enable backup compression, encryption, and to schedule tasks to take place automatically. Supported OS include Windows 7/Vista/XP/2000 and Windows Server 2008/2003/2000 .

    NEW! Grand premiere! Novosoft Office Backup 4 is officially released! The latest version of the popular office backup utility features the handy expansion of cloud backup features (explore backup to Amazon S3 and manual-registration-free Cloud Storage by Novosoft) and the hottest advanced backup options (MSSQL backup, Outlook hot backup, support of Volume Shadow Copy for MS Exchange backup, and more).

    For details, feel warmly welcome to check the News .

    In addition to FTPS and DiscHub, Office Backup supports backing up to the following media and servers:

    Since some features of the utility are aimed at experienced IT users, we have decided to divide its functions into two separate editions: one tailored for needs of Home Users and another for IT Professionals .

    Office Backup Home –
    Solution for Home users

    Office Backup Professional –
    Solution for IT Professionals


    02/08/2017

    Posted In: NEWS

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    B & B Appliance is going out of business: Family-owned for


    #

    B & B Appliance is going out of business: Family-owned for 93 years

    CLEVELAND, Ohio – Bob McGregor stopped in at B B Appliance on Wednesday to buy a DVD/VHS machine at the 93-year-old company’s going -out-of business sale.

    In the past few decades, he’s bought everything from a new 4K TV to stereo systems, but this time he just wanted to show his continued support and appreciation.

    “The parking lot is almost full. I love it here because of the way I’m treated. It’s hard to find this machine anywhere else,” said McGregor, 70, who also enjoys shopping at big box retailers for certain items. “There’s just no comparison to shopping here as opposed to national retailers. My salesman, Flint, calls me when they have certain sales or when he thinks I might be interested in something. It’s all about honesty here. And they make you feel valued here.”

    McGregor is among B B Appliances loyal customers, but unfortunately the third-generation-run store needed a lot more customers to stay in business. Jeff Blumenthal, president of the company, said he and his brother, Marc, had been considering closing the business for quite some time, but after reviewing the disappointing first quarter numbers, they were forced to make the decision.

    “It was a tough decision,” said Jeff Blumenthal, 62, president of B B Appliance. “The bottom line is that we are no longer profitable.”

    The company has started an inventory clearance sale, offering extra savings off B B’s discounted prices on appliances, TVs, washer and dryers and lots of other products. The going-out-of-business sale is expected to take a couple of months at both locations in Euclid and Middleburg Heights.

    Adam Sonnhalter, a partner at Maximum Value Partners, a small business coaching and consulting firm, said he commends the Blumenthals for making the tough decision.

    “It sounds like they tried a lot of things to make the stores profitable and instead of continuing to go down the path of losing money to the point where they were no longer in control, they decided to close the stores while they still had options,” he said.

    “A great lesson for all business owners is that just because you’ve been in business for three months or 93 years, you aren’t guaranteed to be in business tomorrow uniess you continue to evolve and change with the times,” Sonnhalter said.

    “Some businesses are very difficult to compete in whether it’s a large or small business,” he said. “Just today HH Gregg announced that they are closing 88 stores nationwide to help with their profitability. The small business typically can’t compete with bigger business on price.”

    At the same time, Sonnhalter said there are things that small businesses offer that big companies typically can’t.

    “The heart and soul and caring of most small businesses, which starts with their owners, is difficult for the big guys to duplicate,” he said.

    B B Appliance has 33 employees, many of whom have been with the company for more than 30 years.

    “We are grateful to our dedicated employees and loyal customers who have been part of B B over the last 93 years,” said Marc Blumenthal, 56, the company’s vice president and brother of the president.

    Their father, Larry, ran the business that his father started with a partner, for more than 50 years. Less than one third of family businesses survive the transition from first to second generation ownership, while another 15 percent make it to the third generation, according to the Wharton School of Business.

    Customers on Wednesday ranged from young shoppers who had never heard of the store until they heard about the going out-of-business sale, to long-time shoppers like Rina Brosse, 81, who has shopped at the store for decades. She bought a washing machine and dryer there several months ago, but Wednesday she came out to show her support and possibly find a deal.

    “I just think it’s unfortunate when a company that’s been around for such a long time can’t make it,” Brosse said. “They have excellent service and quality products. It’s not like going to a Home Depot, where it’s like. good luck.”

    B B Appliance is among the latest casualty of independent retailers that find it increasingly difficult to compete with much larger retailers. At it’s peak in the late 1990’s, B B sales peaked at $25 million with three locations. The company added a Bedford Heights location that did not work out. Blumenthal said the store closed in 2001.

    “We closed that store because the community wasn’t supporting it the way we thought. Customers were still traveling to the Euclid store. We thought we’d get more customers from Solon, Aurora and Twinsburg,” Blumenthal reflected. ” I don’t know if it was because they were used to working with certain people, or if it was because the Bedford area had deteriorated in that area, but it proved not to be a good location for us.”

    Flint Parker is among the long-term employees at B B. He’s worked there for 28 years. He returned from a two-week vacation to learn his employer was going out of business. He got a personal call from the owner because he didn’t want him to find out any other way.

    “The Internet is fueling all of this. Most people buy and research things on the Internet, especially if you’re under 35,” Parker said. “Only the oldsters want to touch and feel items before they buy it. It’s sad. I should have retired five years ago, but I love my job.”

    Blumenthal however doesn’t give that much credit to the Internet. He believes that price-comparing is important and always welcomes an informed consumer, especially considering he knows he could have generally matched or beaten the price. The biggest factor in deciding to close he said, was the inability to expand.

    “We know that in any business if you don’t grow you won’t have the ability to sustain your efforts and invest in the future. It’s necessary to invest in technology and get creative with displays,” Blumenthal said.” But ultimately in this environment, expenses continued to increase and the economics didn’t make sense.

    “I would say that with so many categories, the market just disappeared, from audio products to video products – things like car stereos, home audio, stereos, speakers and video camcorders. Electronics used to be 40 percent of our business and now it’s just 10 percent,” Blumenthal said.

    B B will honor commitments to customers who have deposits on – or have paid for merchandise that hasn’t been delivered. Information about B B’s closing will be updated on the company’s website .

    The third-generation locally owned business was founded by Max and Irvin Blumenthal in 1924, and originally began as an auto supply company. During World War II, automotive parts were channeled to the war effort, so B B switched its focus to selling appliances. After the war, appliances, radios, and then televisions became the core products.

    Max Blumenthal’s sons, Sid and Larry, took over the business in the 1940’s. In 1977, Larry Blumenthal opened a second store in Middleburg Heights, and a third store in Bedford Heights in 1992. Larry passed away in 1993, and his sons, Jeff and Marc, took over the business. In 1994, fire destroyed B B’s store in Euclid. A brand new store was reopened on the same site in 1996.

    Parker remembers that difficult time as well.

    “We got paid for a year until this location was rebuilt. We worked at a different location,” he said. “I’ve worked at other places, but there’s just nothing like working for a family-owned business.”


    25/07/2017

    Posted In: NEWS

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    Travel Agents Fight Back, Insisting They – re Not Useless Or

    #online travel agents
    #

    Related

    In the Internet age, the travel agent has become a punch line, cruelly bashed as unnecessary, useless, a dying breed. But no one (including, ahem, journalists) wants to be called obsolete, and travel agents have been fighting back and countering the insults with data and anecdotes demonstrating how valuable their services truly are.

    Travel agents are often portrayed as dinosaurs from another era—mousy old ladies whose services can be replaced by a website and some Internet forums. Perhaps just a smarphone app will do the trick. But the angry backlash brought on by some recent episodes of travel agent bashing may cause critics to think twice before messing with this group presumed on its deathbed.

    Over the summer, a Woman s Day post entitled Should I Use a Travel Agent? drew the attention of some 1,500+ commenters—many of them living, breathing, working travel agents weighing in on how APPALLED they were with the outlandish and misleading story. Originally named 10 Things a Travel Agent Won t Tell You, the piece portrays travel agents largely as opportunistic, unnecessary, and not particularly knowledgeable—a group that s motivated mainly by sneaky commissions charges on products of dubious utility (like travel insurance) rather than the service of finding clients the best vacation options at the best prices possible.

    More recently, a CareerCast.com story placed travel agents among the ranks of useless jobs that have been rendered pointless thanks to technology. Planning a trip today is a do-it-yourself endeavor: you can book accommodations, transportation, discover restaurants and entertainment, and navigate your route all online, the post states. Thus, the traditional travel agent is no longer necessary.

    In both cases, the bashers found themselves on the receiving end of counterattacks by individual agents, travel industry insiders, and ASTA, the American Society of Travel Agents. Paul M. Ruden, ASTA senior vice president, declared the CareerCast story as insulting as it is inaccurate, and wrote that the vast majority of agents who have embraced technology are thriving:

    Basic research would have shown that as of year-end 2012, there were about 8,000 U.S. travel agency firms in business employing 105,000 people. In 143 million transactions, those agencies sold $86 billion worth of air travel (64 percent of the market). While online agents account for a lot of that business, so-called traditional agents actually sell about half of it, in addition to the vast majority of the $15 billion worth of cruises (64 percent) and $9 billion in tour packages (66 percent). Those are big numbers. Travel agents help to move people around the country and around the world, and in the process keep our economy moving. Useless? Not hardly.

    The Woman s Day article once again demonstrates the often shocking lack of knowledge by consumer magazines and the writers they hire about the travel agency trade, a Travel Pulse editorial stated. You could write a book about what s wrong with the Woman s Day article on travel agents, Travel Weekly . another industry publication, wrote.

    Christine Duffy, president of CLIA (Cruise Lines International Association), felt compelled to respond to the idea that a travel agent can easily be replaced by a website:

    The internet won’t call a customer back and won’t wait on hold with an airline or hotel so you don’t have to, or adjust plans due to unexpected developments or act as your “mission control” for all facets of your cruise vacation – before, during and after.

    Woman s Day has defended its story on the grounds that the purpose was to inform consumers on how they can get the best prices on travel, but the editors basically admitted some mistakes were made, and some changes to the piece were in order. Thank you to all the hard-working travel agents who provided feedback on this story, reads a note at the bottom of the piece. We’ve thoroughly reviewed this article and have removed point 9 (about airline commission) based on information you provided. We thank you again for sharing your expertise and doing the great work that you do. Accordingly, the original headline ( 10 Things … ) had to go.

    Woman s Day and CareerCast are hardly alone in their roles as being both the critics and punching bags of travel agents. In 2011, none other than President Barack Obama strongly implied travel agents were obsolete in a town hall meeting in Illinois. When was the last time somebody went to a bank teller instead of using the ATM, or used a travel agent instead of just going online? Obama said. A lot of jobs that used to be out there requiring people now have become automated.

    It ll come as no surprise that ASTA had something to say in response. “Travel agents work as personal advisors to provide their clients with the best travel experience before during and after their trip, ASTA CEO Tony Gonchar wrote in a letter to the White House. Thanks to their in-depth knowledge, experience and industry connections, travel agents are able not only to save their clients money, but their most valuable possession—their time.





    13/07/2017

    Posted In: NEWS

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    Compare Cash Back Credit Cards #cash #back #credit #cards, #credit #card,


    #

    Cash Back Credit Cards

    Our up-to-date list of cash back offers makes it easy to find a card that will maximize your savings. And bonuses of $100-$150 for new accounts can add up quickly. Review this list of offers from our partners to find the card that rewards the categories you use most. Or find a one that offers a high rebate on all purchases.

    See offers from our partners below.

    at Capital One s
    secure site

    Credit Needed
    Excellent, Good

    • One-time $100 cash bonus after you spend $500 on purchases within 3 months from account opening
    • Earn unlimited 1.5% cash back on every purchase, every day
    • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn�t expire and there�s no limit to how much you can earn
    • 0% intro APR on purchases for 9 months; 13.74%-23.74% variable APR after that
    • Balance transfers also have a 0% intro APR for 9 months; 13.74%-23.74% variable APR after that; a 3% fee applies to each balance transferred
    • Pay no annual fee or foreign transaction fees
    • See additional Capital One� Quicksilver� Cash Rewards Credit Card details

    at Capital One s
    secure site

    • You could turn $200 into $400 with Cashback Match . Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
    • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
    • Plus, 1% cash back on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • Get your FICO Credit Score for free on monthly statements, on mobile and online.
    • No annual fee.
    • See additional Discover it Cashback Match details
    • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
    • No annual fee.
    • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
    • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
    • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.74% to 24.74%.
    • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express Cards in the last year.
    • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
    • Terms Apply.
    • See additional Blue Cash Everyday Card from American Express details

    at American Express s
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    or call American Express at
    877-915-6432

    Credit Needed
    Excellent/Good

    • No annual fee
    • New Offer: $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
    • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas up to the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
    • No changing categories and no expiration on rewards
    • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.74% – 23.74% Variable APR. 3% fee (min $10) applies to balance transfers
    • Get a 10% customer bonus every time you redeem your cash back into a Bank of America checking or savings account
    • If you’re a Preferred Rewards client, you can increase that bonus to 25% – 75%
    • See additional BankAmericard Cash Rewards Credit Card details

    at Bank of America s
    secure site

    or call Bank of America at
    877-831-6028

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    05/07/2017

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    Show Download History List of All Files Ever Downloaded Within Mac


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    Have you ever wanted to show a list of the entire download history of a Mac? Maybe you know you downloaded a file but you can t quite pinpoint where you got it from and the Get Info trick didn t work. Or maybe you are trying to track down a file that has been placed on a system that led to problems. Whether it s for troubleshooting, personal interest, or forensics, the following command will show you everything that you ve downloaded to a Mac regardless of the application that it came from:

    How to View a List of All Files Downloaded to a Mac

    This works by querying the file quarantine database of OS X, which is aimed at protecting Macs from malicious downloads. You ll use the Terminal application and sqlite for this purpose.

    • Launch Terminal from /Applications/Utilities/ and enter the following command into a single line:

    /Library/Preferences/com.apple.LaunchServices.QuarantineEventsV* ‘select LSQuarantineDataURLString from LSQuarantineEvent’

  • Hit return to see the list of downloaded files
  • Depending on how old the Mac is and how much stuff you ve downloaded, it can take a while to query the database and dump the results. You may want to pipe the results through sort to group the downloaded list into similar items or sources, that would look like this:

    /Library/Preferences/com.apple.LaunchServices.QuarantineEventsV* ‘select LSQuarantineDataURLString from LSQuarantineEvent’ | sort

    For ease of viewing, you can also redirect the output into a text file, this command will dump the list into a file called QuarantineEventList.txt on the active users desktop:

    /Library/Preferences/com.apple.LaunchServices.QuarantineEventsV* ‘select LSQuarantineDataURLString from LSQuarantineEvent’ >

    The output lists everything that has been passed through the Quarantine Manager, which for the last several versions of Mac OS X is quite literally every item downloaded to the Mac, regardless of the application it came from. Generally, the older the Mac is and the more files have been downloaded, the larger the list, and the longer the query can take to run.

    This list even works if you have file quarantine turned off for files and apps. thanks to inket for verifying that.

    Deleting the Download History List

    For those who would rather not have an all-inclusive historical list of downloaded files, you can run the following command to delete the contents of the quarantine database:

    /Library/Preferences/com.apple.LaunchServices.QuarantineEventsV* ‘delete from LSQuarantineEvent’

    You can run that individually, or place it into .bash_profile or .profile to clear the database automatically when a new terminal window is launched.

    This has been tested and continues to work in many versions of Mac OS X, from earlier versions through to OS X El Capitan (10.11.x+), OS X Yosemite, OS X Mavericks 10.9.5 and presumably newer. Let us know in the comments if you have success with this command and the version of OS X that you have used it with.

    Thanks to Scott for the great tip, and thanks to Wiggums for the delete syntax .

    Related

    • How to Re-Open Historical Windows Tabs in Safari on Mac with a Keystroke

    I get nothing when I enter the commands above, but using the sudo addon I get

    WARNING: Improper use of the sudo command could lead to data loss
    or the deletion of important system files. Please double-check your
    typing when using sudo. Type man sudo for more information.

    To proceed, enter your password, or type Ctrl-C to abort.

    I can find the QuarantineEvents and QuarantineEventsV2 files, but they all have the same two dates, March 2008 and May 2012. When I open them with textEdit it appears to contain only emails. Searching them reveals no mp3 or txt or other media files, no dmg etc.

    It s a SQL database, not a txt file. Using the sudo command for the first time always issues a warning about its use.

    January 18, 2013

    You can turn this off with this defaults command

    defaults write com.apple.LaunchServices LSQuarantine -bool NO

    January 20, 2013

    hi all,
    i m a completely noob with terminal, but would love to explore this a bit more, any idea on how to get date and file size?

    thanx in advance!
    .r

    January 25, 2013

    This is most AWESOME. I research so much stuff, I forget what I ve downloaded. This is a great way for me to go back to files I needed and re-use them. Sweet.

    This data is used by the info command on files that were downloaded, so if you delete everything the info command won t tell you where you got the file from originally.

    For me, that s important. I grab example code snippets, standards docs, references, xls s of proforma biz, all manner of great downloads. Now I can find the files i downloaded and grab the latest versions.

    I promise I ll be better organized next deadline driving, time constrained project. )

    January 28, 2013

    The article is incorrect in its description of the scope of what the Quarantine Manager sees and records in the QuarantineEvents database(s). Most of Apple s own apps (but notably NOT the FTP-as-disk functionality of Finder) use it and so does Google Chrome, but based on a dump of the 15k records (mostly from Mail.app) on my Mac it is clear that Firefox, Thunderbird, MailMate, and NetNewsWire do not and Transmission (a BitTorrent client) seems to only use it for its self-update function. Command-line tools (e.g. curl, wget, etc.) also do not show up.

    January 30, 2013


    13/06/2017

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    B & B Appliance is going out of business: Family-owned for


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    B & B Appliance is going out of business: Family-owned for 93 years

    CLEVELAND, Ohio – Bob McGregor stopped in at B B Appliance on Wednesday to buy a DVD/VHS machine at the 93-year-old company’s going -out-of business sale.

    In the past few decades, he’s bought everything from a new 4K TV to stereo systems, but this time he just wanted to show his continued support and appreciation.

    “The parking lot is almost full. I love it here because of the way I’m treated. It’s hard to find this machine anywhere else,” said McGregor, 70, who also enjoys shopping at big box retailers for certain items. “There’s just no comparison to shopping here as opposed to national retailers. My salesman, Flint, calls me when they have certain sales or when he thinks I might be interested in something. It’s all about honesty here. And they make you feel valued here.”

    McGregor is among B B Appliances loyal customers, but unfortunately the third-generation-run store needed a lot more customers to stay in business. Jeff Blumenthal, president of the company, said he and his brother, Marc, had been considering closing the business for quite some time, but after reviewing the disappointing first quarter numbers, they were forced to make the decision.

    “It was a tough decision,” said Jeff Blumenthal, 62, president of B B Appliance. “The bottom line is that we are no longer profitable.”

    The company has started an inventory clearance sale, offering extra savings off B B’s discounted prices on appliances, TVs, washer and dryers and lots of other products. The going-out-of-business sale is expected to take a couple of months at both locations in Euclid and Middleburg Heights.

    Adam Sonnhalter, a partner at Maximum Value Partners, a small business coaching and consulting firm, said he commends the Blumenthals for making the tough decision.

    “It sounds like they tried a lot of things to make the stores profitable and instead of continuing to go down the path of losing money to the point where they were no longer in control, they decided to close the stores while they still had options,” he said.

    “A great lesson for all business owners is that just because you’ve been in business for three months or 93 years, you aren’t guaranteed to be in business tomorrow uniess you continue to evolve and change with the times,” Sonnhalter said.

    “Some businesses are very difficult to compete in whether it’s a large or small business,” he said. “Just today HH Gregg announced that they are closing 88 stores nationwide to help with their profitability. The small business typically can’t compete with bigger business on price.”

    At the same time, Sonnhalter said there are things that small businesses offer that big companies typically can’t.

    “The heart and soul and caring of most small businesses, which starts with their owners, is difficult for the big guys to duplicate,” he said.

    B B Appliance has 33 employees, many of whom have been with the company for more than 30 years.

    “We are grateful to our dedicated employees and loyal customers who have been part of B B over the last 93 years,” said Marc Blumenthal, 56, the company’s vice president and brother of the president.

    Their father, Larry, ran the business that his father started with a partner, for more than 50 years. Less than one third of family businesses survive the transition from first to second generation ownership, while another 15 percent make it to the third generation, according to the Wharton School of Business.

    Customers on Wednesday ranged from young shoppers who had never heard of the store until they heard about the going out-of-business sale, to long-time shoppers like Rina Brosse, 81, who has shopped at the store for decades. She bought a washing machine and dryer there several months ago, but Wednesday she came out to show her support and possibly find a deal.

    “I just think it’s unfortunate when a company that’s been around for such a long time can’t make it,” Brosse said. “They have excellent service and quality products. It’s not like going to a Home Depot, where it’s like. good luck.”

    B B Appliance is among the latest casualty of independent retailers that find it increasingly difficult to compete with much larger retailers. At it’s peak in the late 1990’s, B B sales peaked at $25 million with three locations. The company added a Bedford Heights location that did not work out. Blumenthal said the store closed in 2001.

    “We closed that store because the community wasn’t supporting it the way we thought. Customers were still traveling to the Euclid store. We thought we’d get more customers from Solon, Aurora and Twinsburg,” Blumenthal reflected. ” I don’t know if it was because they were used to working with certain people, or if it was because the Bedford area had deteriorated in that area, but it proved not to be a good location for us.”

    Flint Parker is among the long-term employees at B B. He’s worked there for 28 years. He returned from a two-week vacation to learn his employer was going out of business. He got a personal call from the owner because he didn’t want him to find out any other way.

    “The Internet is fueling all of this. Most people buy and research things on the Internet, especially if you’re under 35,” Parker said. “Only the oldsters want to touch and feel items before they buy it. It’s sad. I should have retired five years ago, but I love my job.”

    Blumenthal however doesn’t give that much credit to the Internet. He believes that price-comparing is important and always welcomes an informed consumer, especially considering he knows he could have generally matched or beaten the price. The biggest factor in deciding to close he said, was the inability to expand.

    “We know that in any business if you don’t grow you won’t have the ability to sustain your efforts and invest in the future. It’s necessary to invest in technology and get creative with displays,” Blumenthal said.” But ultimately in this environment, expenses continued to increase and the economics didn’t make sense.

    “I would say that with so many categories, the market just disappeared, from audio products to video products – things like car stereos, home audio, stereos, speakers and video camcorders. Electronics used to be 40 percent of our business and now it’s just 10 percent,” Blumenthal said.

    B B will honor commitments to customers who have deposits on – or have paid for merchandise that hasn’t been delivered. Information about B B’s closing will be updated on the company’s website .

    The third-generation locally owned business was founded by Max and Irvin Blumenthal in 1924, and originally began as an auto supply company. During World War II, automotive parts were channeled to the war effort, so B B switched its focus to selling appliances. After the war, appliances, radios, and then televisions became the core products.

    Max Blumenthal’s sons, Sid and Larry, took over the business in the 1940’s. In 1977, Larry Blumenthal opened a second store in Middleburg Heights, and a third store in Bedford Heights in 1992. Larry passed away in 1993, and his sons, Jeff and Marc, took over the business. In 1994, fire destroyed B B’s store in Euclid. A brand new store was reopened on the same site in 1996.

    Parker remembers that difficult time as well.

    “We got paid for a year until this location was rebuilt. We worked at a different location,” he said. “I’ve worked at other places, but there’s just nothing like working for a family-owned business.”


    12/06/2017

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