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Travel Insurance

Our international travel insurance plans give you the choice of cover for overseas medical expenses, cancellations, and so much more.

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Domestic Travel

You may also find yourself in need of assistance when travelling in Australia. Our domestic travel insurance plans give you the choice of cover for cancellations, rental car insurance excess, luggage and personal effects and more.

Single or multi-trip options

We have a range of plans to suit your travel needs. Our annual multi-trip plans give you the flexibility to travel without the need to take a new policy for every trip.

24 hr emergency assistance

Travelling can be an amazing experience and we hope you enjoy every minute of your trip. However, should something go wrong, we are here to give you the emergency assistance you need, 24 hours a day, 7 days a week.

Existing medical conditions

With NRMA Travel Insurance, there are many medical conditions that we cover automatically without needing them to be listed on your policy.

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NRMA Insurance is a provider of car insurance, motorcycle insurance, home insurance, business insurance, travel insurance, boat insurance, caravan insurance, life insurance, income protection and security in NSW, QLD, ACT TAS. Get your insurance quotes today. For insurance in other states and territories visit SGIO in WA or SGIC in SA. NRMA Insurance is part of the Insurance Australia Group. Business address 388 George St Sydney, NSW (This address is unable to assist with enquiries) for any question or queries please contact us.

*National Roads and Motorists’ Association Limited ABN 77 000 010 506 (the NRMA) is a separate independent company from NRMA Insurance.

For more information about our products visit our sitemap. Insurance (except Travel insurance and Income Protection) issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. When making decisions about our insurance policies you should consider the applicable Product Disclosure Statement.

The Loyalty Discount replaces our previous discount structure, and applies to new eligible policies which commence on or after 16 March 2014, and renewing eligible policies which commence on or after 28 April 2014. For more details, please refer to the Premium, Excess Discounts Guide.

Visit our online terms and privacy security statement | Visit Money Smart for financial guidance from ASIC to help you make informed choices.





14/05/2018

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The right travel insurance covers costly surprises while you’re away from home. A standard policy covers lost property, medical care, and delayed travel and may also include:

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Getting a travel insurance policy set up is often straightforward, but make sure you have the following to hand:

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Travel truths


  • 7.3 million Brits had a staycation in the first quarter of 2016, choosing to holiday in England [2]

Brits made 65.7m trips overseas in 2015, 13 million of which were to Spain [3]

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    13/05/2018

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  • 3 Ways to Buy Airline Tickets with Credit Card Reward Miles,

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    One of the greatest benefits of credit cards is earning rewards when you spend with the card. Miles that can be redeemed for airline tickets are a common reward. The process for buying tickets with reward miles may vary by credit card company, but the basic process is simple enough. You should learn about your specific credit card company’s reward system. You’ll also learn some ways to accrue as many miles as you can.

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    19/04/2018

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    Best Day to Buy Airline Tickets: Secrets to Finding Cheap Flights

    Sections

    Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

    The Top 5 Secrets to Scoring Cheap Flights

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    If you like to travel and like to save money, this is the column for you.

    I’m about to explain some of the elements involved in the complicated business of airfare pricing. It may sound dull, but it’s not; if anything, it’s kind of weird how the whole system works, but that’s the way it is.

    And the more you know about this system, the easier it is for you to find cheap flights every time you shop.

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    Seems only fair. After all, the airlines go to extraordinary lengths to get you to pay more; they know all about your shopping habits, including when you want to travel and even where you want to go, and they price their fares accordingly.

    So let’s level the playing field a bit, okay?

    For more air travel news and insights visit Rick’s blog at: http://farecompare.com

    Here are the five things you should know to score cheap flights:

    1. Very few seats are ever on sale — so speed is of the essence.

    Did you know that on most planes, passengers pay ten different prices for their tickets? It’s true, and of course that means there are very few of the cheapest seats ever available –including those advertised in the airline’s advertised airfare sales.

    Which means you have to grab the good deals the moment they are available. This is getting harder and harder, because everyone is an amateur travel agent these days, meaning you have tons of competition for those cheapest seats.

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    And speaking of jumping, that brings us to…

    2. Know the airline hurdles you have to clear.

    To get the best of the ten different airfares on a plane, you have to follow the rules — or “hurdles,” as I call them — and the more hurdles you clear, the cheaper the fare.

    One hurdle may be a Saturday night stay, which isn’t much of a problem for most vacationers (or leisure travelers), but most road warriors don’t like being away from home on the weekends, which is why they pay more for business travel.

    Another hurdle is the 14-day advance purchase window; if you just have to get away right this minute, chances are you will pay for your impatience with higher fares. Note that some of the low-cost carriers such as JetBlue and AirTran usually make it a little easier, with only a seven-day advance-purchase requirement.

    Yet another hurdle: the dreaded blackout dates. Most sales have them, and it usually means you can’t fly when you really want to, such as the dates surrounding holidays like Thanksgiving and Christmas. If you want to save, you work around these dates (or fly around them).

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    3. One day stands alone as the best day to shop.

    If you’ve been reading my column for any length of time, you probably already know the answer to this, but if not, I won’t keep you dangling: the best day to shop for airfare is Tuesday. And let me get even more specific: shop on Tuesday at about 3 p.m.

    Here’s why: usually, when an airline wants to launch a sale, it will do so late Monday. When the other airlines see this, they immediately go into competitive mode, and begin lowering their own prices to match the first one’s sale.

    All the airlines that plan to join in on this “matching” will have completed the process by early Tuesday afternoon, so by 3 p.m., shoppers will have the most “good prices” to choose from.

    Note: usually that original sale ends in just two or three days, and the matching fares of the other airlines will disappear by then as well, if not sooner. Remember, if all those sale prices disappear in a single day, that’s it, they are gone. The airline is not going to put up a fresh supply of cheap seats to meet the demand. It just doesn’t work that way.

    4. Certain days (and times) are cheaper to fly than others.

    Look, the airlines know they can easily sell out all the seats on planes that go to popular destinations during the most popular days of the week to travel, so they’re not going to drop prices on those seats, are they? No, they are not.

    But they would like to fill up the seats on the less popular days. Otherwise those seats are a total loss for them. Which is why you will find the best deals are available for flights on Tuesdays, Wednesdays and Saturdays.

    Now, when it comes to the days everyone wants to fly — Fridays and Sundays — it figures that those are almost always the most expensive days to fly. Adjust your vacation schedule accordingly.

    Best Days to Fly

    The best time of day to fly? Well, since no one wants to get up at the crack of dawn — you guessed it — that’s when to fly. And generally, the dinner hour is cheaper too. And always, the overnight flights.

    5. Today’s airfare shoppers need help to find the best deals.

    This is one of the weird things about the airfare pricing system: sometimes, even if you follow all the rules, and clear all those hurdles, the airlines still might not give you the best price. Their thinking will run something like: “Maybe if we give this seat just another day or two out there in the marketplace, someone who wants it even more than you do will be willing to pay our current price. Let’s see if that happens.”

    So, you could sit there chained to your computer, checking the prices minute by minute, waiting for a price drop — or you could sign up for an airfare alert. But be sure these are “real time” airfare alerts that let you know the instant prices change. The sooner you know about a deal, the better chance you have of actually snagging it.

    Forget Aesop; his tortoise wouldn’t have a prayer of snagging a deal in today’s complicated game of airfare pricing. It’s you hares out there who will score — if you keep these tips in mind.

    This work is the opinion of the columnist and does not reflect the opinion of ABC News.





    19/04/2018

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    19/04/2018

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    Get a Quote and Buy Travel Insurance – RBC Royal Bank,

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    17/02/2018

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    17/02/2018

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    17/02/2018

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    Cheapest Days to Fly and Best Time to Buy Airline Tickets,

    Cheapest Days to Fly and Best Time to Buy Airline Tickets

    We all want the cheapest flights possible and that s what this guide is all about: Finding the cheapest days to fly and getting the best deals on airfare. Comparison shopping is a big help and so is knowing when to buy tickets and the best days to fly. There are lots of other ways to save, too, so let s get started.

    1. Shop on Tuesday

    Best day to shop: The best time to book a U.S. flight is usually Tuesday at about 3 p.m. eastern time. Many airlines release weekly airfare sales in the early morning hours of Tuesday, and by mid-afternoon, competing airlines have matched sale prices. In other words, shoppers now have the most deals to choose from.

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    Careful! Buy too early and you could pay too much. Buy too late and you could pay way too much. The sweet spot for deals is usually found in the following shopping windows.

    U.S. tickets: Shop between 3 months and 30 days before departure.

    International tickets: Shop between 5 ½ months and 1 ½ months before departure.

    Popular times to fly: For peak travel periods such as June, July and August; Thanksgiving or Christmas/New Year s; and other holiday dates, purchase tickets two months in advance.

    3. Always Compare Airfare

    The golden rule of shopping: Always compare airfares. Some folks don t because they know their favorite airline always has the best deal, but no airline always has the cheapest prices, not Spirit, not Southwest, not every single time, and we’ve proved this. If you don’t compare, you could pay too much and why pay a penny more than you have to?

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    Save even more by knowing the cheapest days to fly. If you can t book cheap days for your entire flight, do it for one leg of the trip and you ll still see some savings.

    Cheap days: In the U.S., Tuesday, Wednesday, Saturday are usually cheapest. For international travel, weekdays are usually cheaper than weekends.

    Expensive days: Fridays and Sundays usually cost more, especially in the U.S.

    Cheap times of day: Fly when most people don’t want to, so cheap times include dawn, overnight and flights around the lunch and dinner hour.

    Tip: We can help you find the cheapest days from your city with the Getaway Map. Just type in your hometown, click the month or season you d like the fly, and deals to destinations around the world fill the screen.

    5. Fly the Cheapest Route

    Non-stops vs. connecting flights: Non-stops are more convenient but you can sometimes find much better deals on connecting flights with savings up to 50%. Always compare the price of a non-stop with a connecting flight before you ding your credit card, and only you can decide if a cheaper price is worth the inconvenience of a longer travel day.

    6. Book Group Travel One Ticket at a Time

    This won t always save money, but it could so it s always worth a try.

    How to shop: When booking travel for two or more people, book just one ticket to start because a quirk in airline reservation systems means multiple tickets sold in a single transaction must be the same price. For example, say you need two tickets and the airline has one for $100 while all the others are $125. Unfortunately, the two tickets you buy in a single transaction will cost you $125 each. However, if you buy those tickets one-at-a-time, you ll pay $100 for one, $125 for the other.

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    08/02/2018

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    CheapAir now offers monthly payments for airline tickets – Aug, buy

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    Dreaming of a vacation, but don’t have the cash for the airfare? You can now pay for your plane tickets in monthly installments.

    CheapAir.com has teamed up with financial services company Affirm to allow fliers to take out three, six and 12-month purchase plans to cover their airfare.

    Here’s how it works: After selecting flights on CheapAir, customers can choose to make monthly payments on the checkout page. They have to provide their name, email and street addresses, date of birth, cellphone number and the last four digits of their Social Security number to help Affirm run a credit check. The check will not affect a customer’s credit score.

    “Affirm approves applicants who can afford to repay us responsibly, and we make the experience totally transparent by charging simple interest and no penalties or fees — people know up front exactly what they’ll pay,” said Max Levchin, founder and CEO of Affirm in a statement to CNNMoney.”

    The interest rate on the loans are based on credit worthiness and range from 10%-30% APR.

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    Travelers will get approval within seconds, according to CheapAir.com CEO Jeff Klee, and there’s no limit on how many tickets you can request financing for. But financing is only available for tickets that are $100 or more.

    The new payment method is aimed at travelers who don’t have a credit card or can’t afford their trip.

    “When you want to take a vacation, it’s a lot of money to put up out front and you might not be able to manage it all at once,” said Klee. “Spreading it out . makes it become more easy to manage.”

    Klee said CheapAir has been “aggressive” about embracing payment alternatives to credit cards. The website also allows customers to pay with Bitcoin and cash through Western Union.

    “Anything that competes with credit cards I think is a good thing,” he said. “This is one more option, and the more options, the better.”

    Despite more travelers hitting the skies, airfare prices have been dropping recently thanks to lower fuel costs and more capacity. Airlines have been expanding their routes and adding flights in the wake of lower oil prices.

    Airfare prediction app Hopper expects airfare will continue its descent this fall, with domestic tickets decreasing 8.2% to hit $213 in October.





    08/02/2018

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    Buy Frequent Flyer Airline Miles Online and Points, Purchase Miles, buy

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    08/02/2018

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    08/01/2018

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    Buy a London Travel Card: Underground (Subway) & Buses – Rail

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    Even the Queen couldn t get around London any easier.

    Conditions:

    Why should I purchase the London Travel Card before I depart for Europe?

    Peace of mind, convenience, and the ability to immediately start saving money and time upon arrival.

    What is the difference between the London Travel Card and the Visitor Oyster Card?

    The London Travel Card and Visitor Oyster Card both have great features depending on your travel plans. Consider this when selecting your card:

    London Travel Card

    • is a great option when you will be traveling in London for a specific number of days and plan on taking the Tube and Buses.
  • is good if you know you will only be traveling in 2 or 6 zones when you purchase the card.
  • requires you to provide your 1st date of travel.
  • is valid for a set amount of days regardless of how much you travel.
  • Visitor Oyster Card

    • is a great option if you are using London as hub to travel to other parts of Britain.




    24/12/2017

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    Buy Used Cars at Enterprise Car Sales, Rental Cars for Sale

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    Unfortunately, we don t support your current browser

    Used Cars for Sale

    Buying a used car can save you money because cars can lose value within the first 12 to 18 months of the original purchase. Used cars for sale can have a lower purchase price with lower monthly payments, and the factory warranties may still be available. When you buy a used car, it usually allows you to upgrade to a better model with more features.

    Enterprise used car dealers are located nationwide and offer a big selection of certified used cars for sale with low prices, limited warranty, and repurchase agreement for all used car buyers.

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    Buying a used car at Enterprise is easy. You can find used cars for sale online, or stop by and shop at used car dealers near you to see a large inventory of used cars, trucks, SUVs, and more.





    23/12/2017

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    Best Days To Buy Plane Tickets Are Saturday And Sunday, Study

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    Best Days To Buy Plane Tickets Are Saturday And Sunday, Study Finds

    While it may be too late to book your Memorial Day weekend travel. it’s always good to know how to travel on a smart budget. According to a recent study conducted by a Texas A





    22/12/2017

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    How to Buy Airline Ticket Vouchers #travel #to #israel

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    Things You’ll Need

    Computer with Internet access

    Secure online payment source

    Determine how much the flight you plan to take is going to cost. Do a quick search of online travel sites; you don’t want to buy a travel voucher for $500 when your flight is going to cost less.

    Log on to a searchable auction or sale website. Type in “airline voucher” in the search box and browse the results. Double-check that a particular airline has a flight that goes to your intended destination. Make sure the seller’s voucher is transferable, meaning one person can give the voucher to another. An honest seller will provide this important detail; without it, you won’t be able to use the voucher. Check the expiration date of the voucher; most are good for one year and you don’t want to buy one that is near its expiration.

    Use a secure online payment site to purchase the voucher. Using a reputable option guarantees your purchase. If the voucher is for some reason not honored, you may have recourse to get your money back.

    Book your flight as soon as possible to avoid expiration dates. Each airline has different rules on where you can redeem vouchers, but as a guideline you likely won’t be able to book your flight on a booking site when using a voucher. Generally, you can only use vouchers when you book over the phone with an airline or at an airline ticket office.





    19/12/2017

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    Q&A: What is the best day to buy cheap airline tickets?

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    Q A: What is the best day to buy cheap airline tickets?

    A jet comes in for landing at Los Angeles International Airport (LAX) on April 15, 2008.

    A jet comes in for landing at Los Angeles International Airport (LAX) on April 15, 2008. less

    The best day to buy cheap airline tickets

    Q. I’m buying airline tickets for the holiday and heard there was a certain time it was best to buy. Do you know what that is?

    A. For a long time, everyone said Tuesday afternoon was the sweet spot. That’s when the airlines adjust their prices to match whatever deal another airline ran on Monday. And it’s still good advice. However, researchers recently found that weekends are overall the best time to buy. Also, the day you fly makes a big difference, with Tuesday being the least expensive. Sites like Matrix. Bing Travel and AirfareWatchdog can help you find cheap flights or predict when prices are going to be the cheapest.

    Safe banking on the go

    Q. I travel a lot and do my banking on the go. Is it safe to bank on public Wi-Fi?

    A. The answer is a firm “no.” You could be on the same Wi-Fi network as hackers. Even with security measures in place, they can still nab your usernames and passwords. So, reserve using sensitive sites for home or use your cellular connection. Also, on a smartphone or tablet, using a bank’s app — if it has one — is safer than using its website.

    Spot a stolen smartphone

    Q. I’m buying a used smartphone, but I’m worried it might be stolen. How can I check?

    A. Well, one giveaway is a price that’s way too low. Check out Movaluate or WorthMonkey to see how much the seller should be charging. You should also check the phone’s ESN or IMEI number. This is usually found under the battery. A site like Swappa can tell you if the phone has been reported stolen or has some other activation problem. You can also call the phone’s carrier and ask.

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    Q. I saw something on Facebook that said updating to iOS 7 will make my iPhone waterproof. That’s a joke, right?

    A. Definitely. A software update can’t change hardware like that. But iOS 7 does come with some cool new features you’ll like. For example, swipe up from the bottom of the screen to open the Control Center. This holds a bunch of settings that used to be hidden away. You can easily turn Wi-Fi on or off, fire up the new flashlight feature or tap the half-moon icon to put your phone in Do Not Disturb mode.

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    Q. I was told not to put antivirus software on my Mac, but I thought I’d double-check. Is that right?

    A. I’m glad you did. Whoever told you that isn’t giving out good advice. There are more threats appearing that target Macs. One like the recent “Kumar in the Mac” could bypass your Mac’s built-in security. Without third-party security software, you’re a sitting duck for something like that. Both Sophos and Avira have free security software for Mac. You can start there, or look up other major security company’s products.





    04/12/2017

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    Should You Buy Travel Insurance? #responsible #travel

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    Should You Buy Travel Insurance?

    With the state of the airlines and not to mention the world more people are buying travel insurance

    Would I buy travel insurance? No but I am beginning to think that it is not such a bad idea. I am the kind of person who thinks that nothing is going to go wrong ever, and then I have to deal with it when it does. The only reason I have health insurance is because I have a daughter and to take myself off would not save me that much. The only reason I have car insurance is because liability is required by law and I have a nice car and I don’t feel like buying a new one if I crash it and actually it is kind of irresponsible to not have car insurance. But recently I got an e-mail that made me realize that I should be recommending travel insurance. To read it check out www.greecetravel.com/matt-blog/2008-9-24.htm

    But should you buy travel insurance if you are taking a trip to Greece? Why not? It is cheap enough and there are a number of things that can go wrong that travel insurance will make a lot less painful.

    Besides covering flight cancellations at a time when airlines are more unstable than ever (not that they will crash but they may go out of business) travel insurance also covers trip cancellation due to:

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    *Trip Cancellation Interruption*





    02/12/2017

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    Southwest Airlines: Best Time to Buy Cheap Airline Tickets #cheap #airline

    #best price airline tickets
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    Southwest Airlines: Best Time to Buy Cheap Airline Tickets

    But what about specific discount carriers like the popular Southwest Airlines. Here s what you need to know to get the cheapest airline tickets with Southwest Airlines.

    Always Compare Prices

    Before you buy, check with an airfare comparison shopping site to be sure you re getting the best price. If you go to any individual airline site to shop, you may miss out on better deals.

    Southwest s Click-n-Save Specials

    Southwest files its Click-n-Save specials every Monday night in the 8pm domestic airfare distribution (there are 3 domestic airfare distributions each weekday: 10am, 1pm and 8pm), and it hits their reservation system in the wee hours of the morning the next day.

    Tuesday Mornings

    So Tuesday morning is one of the best times to shop, but there are some caveats these specials typically include limited routes that Southwest wants to try and fill up, seat-wise for particular travel days. In other words, it is not (usually) an across-the-board sale.

    Competitor Matching

    Southwest normally matches competitors sales (which are usually filed Monday night at 8pm Eastern as well) and Southwest usually matches by the Tuesday 1pm domestic airfare distribution, which then hits their reservation system at approximately 3pm Eastern (these cheaper prices are typically pulled 3 days later on Thursday night).

    Like all airlines, Southwest is very active in matching prices of their competitors who fly the same routes as they do on a daily basis (both nonstop and connecting flights). Just so you know, Southwest serves just under 70 cities, while the legacy airlines typically serve between 130-240 non-code share cities.

    How to Stay on Top of Sales

    If you have specific locations in mind, sign up for our realtime email airline ticket price drop alerts no airline wants to be undercut so following all airlines on a route for your next trip is the best way to know exactly when to shop and buy (let us do all the heavy lifting).

    Don t Forget Facebook and Twitter

    If you have an issue, grab your smart phone and post on their Facebook page or tweet your problem you re likely to get a faster response as Southwest has PR people manning those social media channels full-time.

    Bottom Line

    So the best time to purchase tickets on Southwest varies, but a good rule of thumb is again shop Tuesday at 3pm Eastern. when the carrier has matched other airlines sale prices.





    02/12/2017

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    The cheapest day to buy airline tickets? It’s Sunday, not Tuesday.

    #airline tickets cheapest
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    The cheapest day to buy airline tickets? It’s Sunday, not Tuesday.

    Published: October 23, 2014 11:14 am

    A company that handles airline ticket sales for travel agencies has come out with study of airline ticket purchases, and found some interesting factoids:

    The cheapest tickets are bought on Sunday, not Tuesday as others have advised.

    The cheapest tickets on domestic flights are bought eight weeks in advance of departure. Eight weeks out, the average fare of $409 was 19.2 percent below the average domestic fare of $496.

    The cheapest tickets on international flights are bought 24 weeks in advance of departure. At 24 weeks out, the average fare of $1,004 was 26.6 percent under the average international fare of $1,368.

    The findings from the Airlines Reporting Corp. are based on ARC’s study of airline ticket purchases between January 2013 through July 2014. It updates and slightly changes findings from a similar January 2012 study of 2011 ticket purchases.

    In the 2012 study, the cheapest domestic tickets were bought six weeks in advance. ARC didn’t look at international tickets in that study.

    Chuck Thackston, ARC’s managing director of enterprise information management, said these are only broad findings.

    Air ticket pricing is dynamic, and ARC isn t advising anyone to purchase tickets only at these times during the sales cycle as there is no guarantee they will receive the lowest price; it is just what the data pattern indicates during the study period, Thackston said.

    Thackston said the latest study is “significant because it reveals that not only have the lowest airfares shifted from six to eight weeks out for domestic travel, but the savings are markedly greater on a percentage basis. It was also interesting to see that the data showed the least expensive tickets were purchased on a Sunday as opposed to Tuesday, which is a common belief.”

    The ARC study, which looked at nearly 130 million tickets worth $94 billion bought in the United States, did find that Tuesday was the cheapest day for Monday-Friday purchases.





    30/11/2017

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    The Best Ways to Buy Airline Tickets #hotel #and #flight #deals

    #best prices for airline tickets
    #

    The Best Ways to Buy Airline Tickets

    Airline tickets are available from many different venues. (Photo: Thinkstock Images/Comstock/Getty Images )

    Related Articles

    Fifty years ago there was only one basic way to purchase airline tickets. You went to a travel agent, who would search the listings for all available flights and sell you a seat for your chosen travel date. The travel agency monopoly is gone now, and the average person can choose multiple methods for buying airline tickets. The best way for you to buy a ticket depends entirely on your particular travel needs.

    Save Money

    Savvy travelers know that the best way to save money on airline tickets is by comparison shopping at least three months in advance. If you know when you’ll be traveling and are willing to spend an hour or two online, you can find the least expensive ticket to your destination. Check ticket meta-search engines such as Kayak, Skyscanner or Fly.com. Look on the airline’s sites for the same flights, as they sometimes offer cheaper seats than the meta searches. Switching back and forth between sites will involve some note-taking and time spent on the computer, but it’s a proven way to find inexpensive airline tickets.





    30/11/2017

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    The Magical Day to Buy Airline Tickets #travel #conditions

    #air travel tickets
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    The Magical Day to Buy Airline Tickets

    Date 24 Nov 2015 | Posted by Linda Paul

    Life keeps becoming more complicated when our wishes and limited resources clash against each other. Among them is the dream to trot around the globe. Since the airfares remain sky high, we often find ourselves struggling with our dream like plans.

    The cost of flying is certainly high and you’ll witness the web brimming with expert opinions of how to get access to cheap airfares. Booking early, traveling on the holiday itself, and making use of the mileage program of an airline are some of the advices that you must have come across while booking yourself a flight.

    Since there are so many of them, we can end up in a confused state of mind because implementation of all of them can be a task!

    Among them is the famous debate of which day you should opt for to buy airline tickets.

    Yes, this is quite confusing! Since it is one of the most frequently asked questions of shoppers hoping to book a cheap airfare, it is worth finding out. Let’s see what wins for being the most hit day for booking a flight.

    TUESDAY

    You might consider it a myth until it magically starts working for you. Tuesday has become the recent talk of the town to book cheap air tickets. No, it’s not an arbitrarily chosen time of the week.

    But why Tuesday?

    Since most of the airlines start to launch their amazing sales in the closing hours on Monday or during the early part of Tuesday, you can get a fine chance of getting hold of these appealing deals. Since the aviation market has become increasingly competitive, all other airlines get into the rat race to offer even more competitive fares for their valued customers. No airline would wish to land on the fourth or later page of the web search and would happily lower their fares. The buying window for these sales is only up for a limited time and only the smarter ones will be able to access them.

    Why wouldn’t you want to avail that chance?

    Remember, Tuesday around 3 PM, ET!

    WEEKENDS

    Couldn’t look for the deal you’ve been anxiously looking for on Tuesday?

    Fret not! Sunday is also a great time to buy airline tickets as claimed by many of the recent studies on this matter.

    Sunday, really. This idea was brought forward through the famous report released by Texas A M University. The report claimed that the airline fares are likely to become 5% cheaper when booked on a weekend, especially Sunday.

    This may be because of a number of reasons. Credit needs to be given to social media because discounts can be updated to the passengers during any time of the week.

    You would certainly come across contradictions in these findings as there are many loopholes that are open to criticism. The truth is, there is no perfect answer.

    So do we really need to consider the best to buy airline tickets?

    Yes, the time and date certainly matters as the fares keep changing because of the ever rising competition in the market. It is worth keeping a watch!





    29/11/2017

    Posted In: NEWS

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    Why Buy Used Cars, Rental Vehicles for Sale – Enterprise Car

    #rental cars cheap
    #

    Why Buy a Used Vehicle

    Consider the Advantages

    Buying a used vehicle can save you money because a new vehicle experiences its greatest loss in value within the first 12 to 18 months. Rather than watching value decrease significantly in just the first year, consider buying a used car or truck. A used rental car can have a lower purchase price with lower monthly payments, and the factory warranties are usually still available. Buying a used vehicle allows you to upgrade to the newer make and model you want and add more optional features.

    Why Throw Money Away on New Car Depreciation?

    Thinking about buying a new vehicle? Think again. According to the experts at Kelley Blue Book . in three years a new vehicle could depreciate by as much as 73 percent of its value. At best it will retain a mere 62 percent of its value after three years. That s one major advantage to buying a used vehicle.

    Car depreciation is the dark cloud hanging over new purchases. While most vehicles depreciate by 15 to 20 percent of their value each year, the first year tends to hurt the most. In fact, the two-minute drive off the lot can cost some owners up to 15 percent of their new vehicle s value.

    If you re a car buyer unwilling to throw away money on vehicle depreciation for that new car smell, consider buying a high-quality, late-model used car. In addition to a lower purchase price, lower registration and license fees, you ll also enjoy lower depreciation, as the previous owner has already absorbed the steepest portion of the used vehicle s depreciation cost. Some popular used models include Civic. Accord. CRV. Camry. Wrangler. Tacoma. Challenger. Mini. Explorer. Escape. Altima and Outback .

    Used Rental Car Value

    Consider the Benefits of Buying a Used Rental Car

    Millions of used rental vehicles (and leased vehicles) are sold annually in the United States. Many were passed directly to auctions and on to used car dealerships. However, tens of thousands were selected by the rental and lease companies for their own car resale businesses. These used vehicles represent the cream of the crop and are often considered some of the best used cars on the market. These used vehicles, while driven by multiple motorists, receive much more care than the average consumer-owned used car and offer the following benefits:

    • Great selection: The typical used car for sale at Enterprise Car Sales is one to two years old. This creates a selection of vehicles that are contemporary, stylish, and sought after.
    • One owner: If offered a used vehicle owned by an auto expert committed to vehicle maintenance and care, the average used car buyer might be tempted to sign sight unseen. Enterprise Car Sales offers this opportunity. Used cars are our business, and our livelihood depends on keeping them expertly maintained.
    • Low mileage: Used rental vehicles or used leased vehicles often have less than 40,000 miles when they are put up for sale.
    • Reasonable prices: All used vehicles sold by Enterprise Car Sales are offered at low prices, and with a no-haggle policy, buyers get a great used car price without the pressure of bargaining.

    Used rental cars provide a tremendous value. Make a smart move and consider buying one the next time you re in the market for a used vehicle.





    24/11/2017

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    When to Buy Airline Tickets and More Travel Advice #travel #australia

    #buy flight tickets
    #

    When to Buy Airline Tickets and More Travel Advice

    Want to find cheapest available flights every time you shop? FareCompare CEO Rick Seaney shares his favorite money-saving tips.

    LISTEN :   Rick Seaney s podcast of best tips.

    5 Ways to Save on Airfare

    Let s start off  with basic advice for all travelers: Always  compare airfare prices. No single airline always has the best deal. If you don t compare, you could pay too much. More good tips:

    #1: Shop for domestic deals on Tuesdays

    According to FareCompare s database of current and historical airfares (one of the world s largest), airfare pricing trends show the best day to shop for U.S. domestic tickets is Tuesday and the best time on Tuesday is about 3 p.m. eastern. Here s why:

    Airlines typically kick off airfare sales late Monday or early Tuesday.

    • Other airlines lower prices to stay competitive
    • Price matching is usually complete by early Tuesday afternoon
    • Newly discounted airfares hit reservation systems by 3pm eastern

    However, deals can and do pop up at other times and this is especially true for deals sought by international travelers which bring us to our second tip.

    #2: Sign up for real-time airfare alerts

    Sign up for airfare alerts and you ll receive notifications of airfare price drops in real-time. This is important because sale seats are limited and the quicker you learn of a deal, the better your chance of getting it.

    #3: Don t buy airline tickets too early

    Airlines don t begin actively managing U.S. domestic fares until about three and a half months before departure; if you buy earlier, you will likely pay a mid-range price which won t be the best deal. For international flights, there is a longer window. Our guidelines:

    • U.S. flights: Start shopping no earlier than about 3 and a half months before departure.
    • International: Start shopping no earlier than about five months before departure.

    #4: Don t buy airline tickets too late

    When it comes to most U.S. legacy carriers (American, Delta, United),  airfare prices can rise dramatically inside 14-days before departure; with discount or low cost airlines, that window is usually 7 to 10 days before departure. This is when last-minute business travelers typically shop and as a result, they pay more. No reason for vacation travelers to do likewise.

    • U.S. domestic flights: Purchase tickets a month before departure.
    • International travel: Purchase tickets a month and a half before departure.

    #5: Fly the cheapest days

    Most people want to squeeze as much time out of a vacation as possible which is why flights on Fridays and Sunday are so popular. However, the airlines know this and they usually charge more for such flights.

    • Cheapest days to fly, U.S. domestic flights: Usually Tuesday, Wednesday or Saturday.
    • Cheapest days to fly, international flights: Midweek dates are often cheaper than weekends.

    Now that you ve found cheaper airfare, what will you spend that extra vacation money on?





    15/11/2017

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    Travel Insurance – Compare and Buy Trip Insurance Online #travel #agent

    #travel insurace
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    Sep 21 2015

    TESTIMONIALS

    Your site is very useful! I compared about 20 plans from 5 companies and ended up paying a lot less for travel insurance than I expected. Buying through your site was easy and quick (got my policy via email). Thanks for the help!

    Kimberly (Rochester, NY)

    I found the comparison and filters to be really helpful when looking at trip insurance policies on your site. I found the one with the right amount of medical coverage and bought it online. Received my confirmation of coverage quickly. Thanks!

    Courtney (Mankato, MN)

    Instead of buying the one policy served to me on the airline website, I used your site to compare and find the best one. Your checkout process was very fast and easy.

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    I compared about 15 policies from different companies and found the one that had the amount of coverage that I needed. Purchasing online through your website was easy. I appreciate your service and would shop here again.

    Shep (Salt Lake City, UT)

    Thanks. Your service helped me compare policies online. I purchased through your site and received my coverage documents via email promptly. Very happy customer.

    Don (Carlsbad, CA)

    I bought my travel insurance plan through TravelInsurance.com and had a great experience. The quote and checkout process are very easy to use. I got my policy via email in a few short minutes. Will shop for insurance here again.

    Michelle (Garner, NC)

    Thanks for the help. I saved a lot of time using your site and found the perfect policy for our upcoming vacation. I would definitely use your site again!

    Stan (Brooklyn, NY)

    After searching a few sites on the Internet, I came across TravelInsurance.com and was glad I did! I searched various travel insurance plans and quickly found the right policy for my daughter s summer trip. Very easy to use!





    12/11/2017

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    Travel Guard – Why Buy Travel Insurance? #best #travel #sites

    #buy travel insurance
    #

    Why buy travel insurance through Travel Guard?

    Because not all travel insurance is the same!

    With travel insurance through Travel Guard you’ll have valuable coverage that travels with you and your family. We’re America’s leading provider of travel insurance plans and assistance programs and we’re here to help you 24 hours a day, 7 days a week.

    How can my travel insurance plan cover my vacation investment in the event of a hurricane or other unforeseen severe weather?

    Travel insurance plans offered by Travel Guard provide you with insurance coverage for your travel investment if unforeseen weather conditions cause a delay or cancellation of your trip. If the weather or other covered reason forces you to cancel your trip, you can be reimbursed for your nonrefundable expenses, up to the amount of coverage you purchase. If bad weather or other covered reasons delay your trip you can be reimbursed for reasonable, additional accommodations and traveling expenses until travel is possible.

    Click here for more questions related to Hurricanes Travel Insurance.

    What would you do?

    You’re involved in an accident while on a summer trip to Europe with your family and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation? With travel insurance coverage through Travel Guard, you can be prepared. Plans can include coverage for medical expenses, trip interruption and more and include emergency travel services so you can be sure that Travel Guard has an insurance plan that meets your traveling needs. We’re here to help you and your family 24 hours a day.

    Click here for more real life situations where Travel Guard may assist you.

    Certain restrictions apply.





    12/11/2017

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    The Best Time to Buy International Plane Tickets #interline #travel

    #buy flight tickets
    #

    The Best Time to Buy International Plane Tickets

    Buying international plane tickets mid-week could save you money. (Photo: Hemera Technologies/AbleStock.com/Getty Images )

    Related Articles

    Flights can be one of the first things to consider if you’re planning an international trip. Although you might have hotels and transportation to plan, the price of your flight could dictate what destinations you choose based on cost. Flight prices can vary from day to day so checking price comparison websites can help you snag the best deal. However, other factors including the amount of time before you want to travel and the day of the week you book can also impact the final cost of your plane tickets.

    Advance Booking

    Booking tickets in advance can help get flights at a lower price. Rick Seaney, CEO of farecompare.com, recommends buying tickets around four months before you plan to travel. He says that airlines don’t usually release cheaper tickets before this time but, when released, reduced seats are likely to sell quickly. Therefore, you should start checking price comparison websites well before you want to leave.





    10/11/2017

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    Should You Buy Travel Insurance? #best #price #rental #cars

    #buy travel insurance
    #

    Should You Buy Travel Insurance?

    Thinkstock

    By Jessica L. Anderson | From Kiplinger’s Personal Finance, August 2013

    Vacation protection can make sense, but know what it does and doesn’t cover.

    Hurricane season is upon us, which means a tropical storm could be brewing just as you’re about to leave on vacation. Is travel insurance the solution?

    See Also: Are You Covered?

    Probably not. Unforeseen events are typically covered, but foreseen (or foreseeable) ones are usually not. A tropical storm being tracked is a foreseen event. So if you cancel your trip to Puerto Rico because you’re worried the storm could turn into a hurricane as it blows through San Juan, you won’t be reimbursed.

    Advertisement

    Commonly covered reasons for cancellation include death or illness (yours or a close family member’s, as long as you have a doctor’s note or death certificate), a layoff at work, a terrorist incident in your city or destination, storm damage that makes your destination uninhabitable, and bankruptcy of a travel supplier. Pre­existing medical conditions are covered if you buy coverage within a week or two of booking your trip. After that, they’re considered a foreseen illness and excluded.

    You will be reimbursed only for nonrefundable expenses. If the airline rebooks you at no charge or the cruise operator gives you a voucher for a canceled trip, you won’t be reimbursed. Save your receipts and any documentation of the reason for canceling; you will need backup when you make a claim.

    Reasons to Buy

    If you understand what is and isn’t covered, you can insure your nonrefundable costs so that you can afford to reschedule. You can compare dozens of policies at InsureMyTrip.com and SquareMouth.com. Package policies, which run about 4% to 8% of the cost of your trip, include coverage for trip cancellation and delay, interruption (in case you get sick while traveling and have to return home suddenly), medical costs, and lost or delayed baggage. They also include 24-hour phone service to help you find a medical facility or rearrange travel plans.

    Even if you think cancellation is unlikely, insuring yourself for medical issues is a good idea, especially if you’re traveling abroad. U.S. insurance is typically not accepted abroad (and Medicare is rarely accepted). Even if you’re planning travel within the U.S. your insurance may have large deductibles or co-payments for care outside your home area. Medical evacuation to get you to a treatment facility from a remote area or to airlift you home can cost upward of $100,000.

    A package policy includes medical and medevac coverage. You can also purchase travel medical insurance separately. The cost is based on your age, preexisting conditions and the length of your trip. For example, a 50-year-old traveling for two weeks can get $50,000 of medical coverage and $300,000 of medical evacuation coverage for about $40. Look for policies that offer primary coverage; otherwise, the insurance won’t kick in until your medical plan has processed a claim.

    Be wary of the offerings from airlines and cruise lines. Airline policies typically offer less coverage for the same price as a third-party package plan, and cruise insurance may offer vouchers for future travel instead of reimbursement. Also, their policies don’t cover their own financial default, so if they go under, you’re out of luck. Policies sold by travel sites are also less comprehensive.

    Many companies now allow you to add riders that let you cancel for any reason. Say you’re worried about political unrest in the region you’re visiting, or you think you may have to attend a funeral during your trip. You can pay extra and cover every eventuality. The surcharge is 50% to 60% of your base premium, and about 75% of your costs will be reimbursed if you cancel (some companies offer up to 90% reimbursement). The catch? You still must cancel at least two days before your trip.





    08/11/2017

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    Free Junk Car Towing in Falls Church, Fairfax, Manassas Virginia #free


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    13/10/2017

    Posted In: NEWS

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    Stock-Picking Strategies: Growth Investing #picking #stocks #to #buy


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    Stock-Picking Strategies: Growth Investing

    In the late 1990s, when technology companies were flourishing, growth investing techniques yielded unprecedented returns for investors. But before any investor jumps onto the growth investing bandwagon, s/he should realize that this strategy comes with substantial risks and is not for everyone.

    Value versus Growth
    The best way to define growth investing is to contrast it to value investing. Value investors are strictly concerned with the here and now; they look for stocks that, at this moment, are trading for less than their apparent worth. Growth investors, on the other hand, focus on the future potential of a company, with much less emphasis on its present price. Unlike value investors, growth investors buy companies that are trading higher than their current intrinsic worth – but this is done with the belief that the companies’ intrinsic worth will grow and therefore exceed their current valuations.

    As the name suggests, growth stocks are companies that grow substantially faster than others. Growth investors are therefore primarily concerned with young companies. The theory is that growth in earnings and/or revenues will directly translate into an increase in the stock price. Typically a growth investor looks for investments in rapidly expanding industries especially those related to new technology. Profits are realized through capital gains and not dividends as nearly all growth companies reinvest their earnings and do not pay a dividend.

    No Automatic Formula
    Growth investors are concerned with a company’s future growth potential, but there is no absolute formula for evaluating this potential. Every method of picking growth stocks (or any other type of stock) requires some individual interpretation and judgment. Growth investors use certain methods – or sets of guidelines or criteria – as a framework for their analysis, but these methods must be applied with a company’s particular situation in mind. More specifically, the investor must consider the company in relation to its past performance and its industry ‘s performance. The application of any one guideline or criterion may therefore change from company to company and from industry to industry.

    The NAIC
    The National Association of Investors Corporation (NAIC) is one of the best known organizations using and teaching the growth investing strategy. It is, as it says on its website, “one big investment club” whose goal is to teach investors how to invest wisely. The NAIC has developed some basic “universal” guidelines for finding possible growth companies – here’s a look at some of the questions the NAIC suggests you should ask when considering stocks.

    1. Strong Historical Earnings Growth?
    According to the NAIC, the first question a growth investor should ask is whether the company, based on annual revenue. has been growing in the past. Below are rough guidelines for the rate of EPS growth an investor should look for in companies of differing sizes, which would indicate their growth investing potential:

    Although the NAIC suggests that companies display this type of EPS growth in at least the last five years, a 10-year period of this growth is even more attractive. The basic idea is that if a company has displayed good growth (as defined by the above chart) over the last five- or 10-year period, it is likely to continue doing so in the next five to 10 years.

    2. Strong Forward Earnings Growth?
    The second criterion set out by the NAIC is a projected five-year growth rate of at least 10-12%, although 15% or more is ideal. These projections are made by analysts. the company or other credible sources.

    The big problem with forward estimates is that they are estimates. When a growth investor sees an ideal growth projection, he or she, before trusting this projection, must evaluate its credibility. This requires knowledge of the typical growth rates for different sizes of companies. For example, an established large cap will not be able to grow as quickly as a younger small-cap tech company. Also, when evaluating analyst consensus estimates, an investor should learn about the company’s industry – specifically, what its prospects are and what stage of growth it is at. (See The Stages of Industry Growth .)

    3. Is Management Controlling Costs and Revenues?
    The third guideline set out by the NAIC focuses specifically on pre-tax profit margins. There are many examples of companies with astounding growth in sales but less than outstanding gains in earnings. High annual revenue growth is good, but if EPS has not increased proportionately, it’s likely due to a decrease in profit margin.

    By comparing a company’s present profit margins to its past margins and its competition’s profit margins, a growth investor is able to gauge fairly accurately whether or not management is controlling costs and revenues and maintaining margins. A good rule of thumb is that if company exceeds its previous five-year average of pre-tax profit margins as well as those of its industry, the company may be a good growth candidate.

    4. Can Management Operate the Business Efficiently?
    Efficiency can be quantified by using return on equity (ROE). Efficient use of assets should be reflected in a stable or increasing ROE. Again, analysis of this metric should be relative: a company’s present ROE is best compared to the five-year average ROE of the company and the industry.

    5. Can the Stock Price Double in Five Years?
    If a stock cannot realistically double in five years, it’s probably not a growth stock. That’s the general consensus. This may seem like an overly high, unrealistic standard, but remember that with a growth rate of 10%, a stock’s price would double in seven years. So the rate growth investors are seeking is 15% per annum, which yields a doubling in price in five years.

    An Example
    Now that we’ve outlined the NAIC’s basic criteria for evaluating growth stocks, let’s demonstrate how these criteria are used to analyze a company, using Microsoft’s 2003 figures. For the sake of this demonstration, we’ll discuss these numbers as though they were Microsoft’s most current figures (that is, “today’s figures”).

    • Five-year average annual sales growth is 15.94%.
    • Five-year average annual EPS growth is 10.91%.

    Both of these are strong figures. The annual EPS growth is well above the 5% standard the NAIC sets out for firms of Microsoft’s size.

    2. Strong Projected Earnings Growth


    07/10/2017

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    Used Subaru Legacy For Sale #subaru #legacy,for #sale,deals,compare,savings,free #listing,buy,sell


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    Used Subaru Legacy for Sale Nationwide

    Text Search

    To search for combination of words or phrases, separate items with commas. For example, entering Factory Warranty, Bluetooth will show all listings with both the phrase Factory Warranty and the word Bluetooth

    Words separated by spaces will be treated as a single phrase for search (e.g. Back Up Camera).

    Search is not case-sensitive.

    Add Similar Cars

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    1997 Subaru Legacy 4 Dr L AWD Sedan Review

    small tank, reliable car, typical all-wheel drive

    Likes: The paint stays on perfectly. The color does make it look old, and washing the car is pointless because you can hardly tell the difference after a wash. Engine is wonderful, no leaks, boxer engine, smooth. The car runs like a bull, not for fun drive, but can take quite some beatings (not talking about crashes..never been in collusion, woul.

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    06/10/2017

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    Houses – Homes for Rent in Houston, TX #buy #houses #houston


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    Home Rentals in or near Houston, Texas

    Discover Your Perfect House for Rent in Houston, TX

    Houston is the largest city in the state of Texas and has the fourth-largest population among cities in the United States in an area covering more than 600 square miles. Houston is a vibrant international city where cultural diversity and uninhibited spirit combine to boost the local culinary scene. Dozens of standout, chef-owned restaurants and local institutions dot the landscape, and the dining public embraces them.

    Houston is also a power-shopper’s paradise. From the high-end choices at the famed Galleria to discount discoveries on Harwin Drive, there are plenty of places to pick up anything and everything on your list. Houston is a land of malls. In fact, every pocket of the city is home to a mall where shoppers will find anchor stores such as Macy’s and Dillard’s as well as other smaller, national retailers. Museums, galleries, spas — just name it, and Houston delivers with a Texas-sized smile.

    Employment Opportunities for Houston Renters

    Houston’s energy industry is recognized worldwide — particularly for oil — and biomedical research, aeronautics, and the ship channel are also large parts of its economic base. The area is the world’s leading center for building oilfield equipment.

    Much of Houston’s success as a petrochemical complex is due to its busy man-made ship channel, the Port of Houston. The port ranks first in the United States in international commerce, and is the 10th-largest port in the world.

    When comparing Houston’s economy to a national economy, only 21 countries other than the United States have a gross domestic product exceeding Houston’s regional gross area product. Houston ranks second in employment growth rate and fourth in nominal employment growth among the 10 most populous metro areas in the United States. Forty foreign governments maintain trade and commercial offices here, and the city has 23 active foreign chambers of commerce and trade associations. Twenty foreign banks representing 10 nations operate in Houston, providing financial assistance to the international community.

    Arts and Culture for Houston Renters to Enjoy

    Houston received the official nickname of “Space City” in 1967 because it is home to NASA’s Lyndon B. Johnson Space Center. Other nicknames include “H-Town,” “The Big Heart,” “Bayou City,” “Clutch City,” “Hustletown,” and “Magnolia City.”

    Houston has an active visual and performing arts scene. The Theater District is located downtown and is home to nine major performing arts organizations and six performance halls. It is the second largest concentration of theater seats in a downtown area in the United States. Houston is one of only five United States cities with permanent, professional, resident companies in all major performing arts disciplines: opera (Houston Grand Opera), ballet (Houston Ballet), music (Houston Symphony Orchestra), and theater (The Alley Theatre).

    Houston is home to the Bayou City Art Festival, which is considered to be one of the top five art festivals in the United States. The Museum District is home to many popular cultural institutions and exhibits, attracting more than 7 million visitors a year. Notable facilities located in the district include the Museum of Fine Arts, Houston Museum of Natural Science, the Contemporary Arts Museum Houston, Holocaust Museum Houston, and the Houston Zoo.

    Big-City Events and Attractions Near Houston Rentals

    Many annual events celebrate the diverse cultures of Houston. The largest and longest-running is the annual Houston Livestock Show and Rodeo. Another large celebration is the annual night-time Houston Pride Parade. Other annual events include the Greek Festival, Art Car Parade, the Houston Auto Show and the Houston International Festival.

    Space Center Houston is the official visitors’ center of NASA’s Lyndon B. Johnson Space Center. The Theater District is a 17-block area in the center of downtown Houston that is home to the Bayou Place entertainment complex, restaurants, movies, plazas, and parks. Houston is home to many parks including Hermann Park, which houses the Houston Zoo and the Houston Museum of Natural Science, Lake Houston Park, Memorial Park, Tranquility Park, and Sam Houston Park. Other attractions include the Galleria (Texas’s largest shopping mall located in the Uptown District), Old Market Square, the Downtown Aquarium, SplashTown and Sam Houston Race Park. The San Jacinto Battleground State Historic Site is the location of the museum battleship USS Texas (BB-35).

    Houston has teams for nearly every major professional sport. The Houston Astros (MLB), Houston Texans (NFL), Houston Rockets (NBA), Houston Comets (WNBA), Houston Aeros (AHL), Houston Wranglers (WTT), Houston Takers (ABA) and Houston Dynamo (MLS) all call Houston home.

    Schools in Houston

    There are more than 55 colleges and universities and dozens of institutions engaged in research and development in Houston. The city is the home to Rice University, The University of Houston, and South Texas College of Law. Other institutions of higher learning in the city include University of St. Thomas, Houston Baptist University, and Texas Southern University.

    Living and Renting in Houston

    Master-Planned Communities: Homes in these communities offer a mix of lush scenery and modern conveniences, with locations near wooded acreage and bodies of water enhanced by abundant schools, shopping centers and restaurants. They feature amenities such as plentiful trees and greenbelts, community centers, educational facilities and recreation areas such as pools, ballparks and golf courses. The Houston area offers many vibrant neighborhoods for all kinds of renters. Find Houston rental homes now!

    Areas Near Houston


    28/09/2017

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    Domain registration tips – Domain name search – Domain names blog


    #

    The popular online gambling service Bingo.com issued an announcement recently that the domain name Bingo.com along with the community built around their online gambling services has been purchased by Ubinet Group PLC. The sale, according to Bingo, was completed for a whopping sum of $8 million. The company issued a [. ]

    First off, New Top Level Domains (nTLD) are a real thing. Instead of being forced to use .com. org or .net, a whole slew of domains have been gearing up for use. Hundreds of new TLDs were released in 2014 and the trend for domain names search will continue into [. ]

    The investment consulting firm known as RVK, which was formerly named as R.V. Kuhns Associates, Inc. was found guilty of getting involved in reverse domain name hijacking on the domain name of RVK.com. The charges were confirmed by the World Intellectual Property Organization panel. The company filed a UDRP with [. ]

    When domain owners list names for sale, one of the last places they think to list names is Facebook. But domainer Mike Mann made a smart move when he decided to list his generic .co domains on his Facebook page. He sold Flying.co for $3,500. Some of the other domains Mann has listed [ ]

    The year 2012 is one of those years that had many ups and downs. According to reports by business analysts, domain sales increased by a margin of 20% with some saying it may be higher. This is mainly attributed to the fact that more and more companies are setting out [ ]

    Disputes related to the domain names are becoming very common these days, businesses are becoming very cautious while choosing a domain name for their website. There is a new ongoing battle that has emerged between the owners of the good.com and good.co. Good Technology Corporation is a mobility service company [. ]

    A new domain extension has been introduced lately under the name .co. This domain is now offering a wide variety of choice in helping to brand your product, helping your brand to be recognized globally. If it’s for personal use, hobby or a way to make money many people seek to [ ]

    We all get to benefiting from great deals and discounts from time to time, but have you ever heard someone getting a discount of almost $14,990 on something that originally cost $15,000? Well, believe it or not, but Bruce Marler got this exact discount recently when he tried registering a [. ]

    UK Domain Name Registration

    The reviews of the previous year are in, and it has become clear that betting on domain name stocks proved to be a bad choice for investors in 2014. Those who chose to stick with the S P 500 index saw most favorable results at the end of the year. At [. ]

    Online scams are hardly new, and everyone online today has received scam emails from Nigerian princes and endless deposed millionaires. However, there are some scam attempts that turn to be so unintentionally hilarious that one cannot help but share them with everyone they know. Maybe they are extremely daring, or [. ]

    Domain Name Association, or DNA, is the body that advocates the adoption of new top level domains. They have recently conducted a survey to assess how well aware internet users were about the expansion of TLDs that took place recently. The survey also tried to figure out how people react [. ]

    The World Wide Web is a very large database of information and it is very easy to get lost in its throes. In fact, most of the websites and domain names rarely get more than 100,000 visits in their lifetime. This is why it is important to ensure that your [ ]

    Getting your brick and mortar business on the verge of internet has become the need of the hour as the authenticity of the businesses is assessed in this, the most popular way. If anybody is interested in your business and wants to purchase the products and services that you are [. ]

    Afnic has made the announcement that comes December 8, its existing terms and policies for domain name registration are undergoing a revision. Afnic is responsible for the management of the .FR domain extensions. According to the release issued, the domain registration process will undergo revisions for websites that end with [. ]

    Business owners are usually very careful when it comes to picking a name for their brands and avoid choosing a name that may already have a trademark. But no matter how careful or creative you are, there is always a risk that the name you want has been trademarked already, [. ]

    In the amended S-1 that GoDaddy filed with the SEC today, the company disclosed its earning details for the third quarter of the year 2014, revealing the fact that the earnings for the company have increased by an impressive 25% for the same quarter year on year. The company is [. ]


    26/09/2017

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    How to Buy Travel Insurance – Consumer Reports #israel #travel

    #travel insurence
    #

    Maybe, if there are gaps in your auto, health, life, or homeowners policies. But buy wisely.

    Overlapping coverage

    Almost $2 billion in travel insurance is sold each year for several what ifs: You need to cancel a trip because of illness, the death of a relative, or bad weather; your belongings are lost or stolen; your traveling companion dies; or you need emergency medical care. Premiums depend on the age of the travelers, the type of coverage, and the trip’s cost. For a standard policy you’ll pay about 5 to 7 percent of the cost of the trip, according to the Insurance Information Institute. Tour operators, cruise-line reps, and travel agents sell two-thirds of the travel policies, and they collect commission on them.

    But coverage may be unnecessary if you already have protection through homeowners, auto, life, or health insurance. Credit-card benefits and consumer-protection laws also may help. Bob Hunter, director of insurance at the Consumer Federation of America, says travel insurance is often not worth the price. “Don’t buy insurance that covers small, manageable losses or only a slice of risk,” he says.

    For example, losing some of your belongings won’t break you financially, so keep a close eye on your valuables and be ready to accept losing less-valuable stuff. Still losing sleep? Narrow in on what you’re worried about, and see if your insurance or credit cards cover you. Then be flexible. “If you’re worried about dying in a plane crash,” Hunter says, “you should get term life insurance rather than flight insurance, because you might die in a car crash.”

    If you’ll be traveling overseas, your health insurance might not provide coverage should you need to see a doctor or be evacuated to a hospital, the insurance institute says. Medicare generally doesn’t cover health-care expenses outside the U.S. although some Medigap policies do. So you might want to consider a medical travel-insurance policy.





    25/09/2017

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    New BMW Cars #new #uk #bmw #cars,uk #bmw #cars,buy #new #uk


    #

    New UK BMW

    A Brief history of BMW

    BMW can trace its history all the way back to 1913, when a Bavarian named Karl Rapp started an aircraft-engine shop in Munich named Rapp Motoren Werke. 1916 saw Rapp Motoren Werke securing a contract to supply a large number of V12 aero engines to Austro-Daimler, as a result, Rapp needed to find a backer to finance the companies expansion and the Bayerische Motoren Werke � BMW as we know it � was formed. Unfortunately BMW expanded too quickly and financial difficulties followed leading to Rapp resigning and Franz Josef Popp � a leading industrial tycoon � who laid the foundations for the BMW company that is known today.

    For the next few years BMW concentrated on the manufacture of aircraft engines until in 1919 with the signing of the Treaty of Versailles restrictions were placed on German companies manufacturing parts for the aero industry, as a result, BMW diversified to manufacture components for the rail industry. 1923 saw BMW finally make their first move into the automotive industry with the introduction of the R32, a motorcycle that would go on to hold motorcycle world speed records throughout the 1930’s.

    Buoyed by this success, BMW purchased a small car manufacturer (the Eisenach Vehicle Factory) in 1928 and by the 1930’s had begun production of sports and touring cars. The culmination was the BMW 328 roadster, a car that has been named one of 25 finalists for Car of the Century by a worldwide panel of automotive journalists.

    The Second World War ending saw BMW’s main factories being dismantled by the allies and diversification was once again the name of the game, a brief foray into kitchen and garden equipment followed, with the introduction of a new motorcycle in 1948. The 1950’s saw a move back into the car market, although with no marked success, however with a change of direction that saw BMW concentrating on sports sedans and compact touring cars, the 1960’s saw a an increase in sales that meant BMW was beginning to compete with its rival Mercedes � Benz. Sales peaked in 1986, but with the collapse of the Berlin Wall a whole new marketplace opened up and BMW capitalised and as a result outsold Mercedes for the first time in 1992.

    BMW are now regarded as one of the premium car manufacturers with a combination of outstanding engineering and a fantastic build quality the Bayerische Motoren Werke has come a long way since its humble beginnings all those years ago.


    24/09/2017

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    Cheapest Days to Fly and Best Time to Buy Airline Tickets

    #buy airline tickets
    #

    Cheapest Days to Fly and Best Time to Buy Airline Tickets

    Editor s note: We updated this popular post in 2015 with new and easy-to-use information. One thing that hasn t changed is these tips still help save money every time you shop for airfare.

    Update: Summer, Holiday, Peak Travel Tips

    Three quick tips to save time and money during the busiest travel days of the year.

    1. Get to the airport early: If flying during any peak season (particularly June, July or August) get to the airport anywhere from 30 minutes to 2 hours earlier than normal. Do this! Airport lines will be long and if you aren t at the gate before the aircraft door closes, you will not be flying.
    2. Keep an eye on the weather: Summer weather can be much worse than winter. Thunderstorms delay flights more often than snowstorms so be aware and know what to do if your flight is cancelled or delayed .
    3. Watch the baggage fees: A cheap flight can rapidly turn into an expensive one if you don t watch bag fees. Note: Carry-on bags are free on most airlines but Allegiant, Frontier and Spirit do charge for carry-ons. Only one U.S. airline still offers 2 checked bags for free: Southwest.

    Now let s find some cheap flights.

    Find Cheap Flights: Fly Hungry, Fly Tired

    We get it. You re busy and your time is valuable. When you want airline tickets, you want the best comparison shopping site to find cheap flights fast. Next step:

    Fly when no one wants to. We are talking about flying the least popular days and times. The reason they re unpopular is because it s inconvenient.

    • Fly Hungry: Before breakfast, at the dinner hour, overnight.
    • Fly Tired: Travel on Tuesdays, Wednesdays or Saturdays when most don t feel like getting on a plane.

    These are the basics. Keep reading for a complete explanation.

    What are the Cheapest Days to Fly

    These are general guidelines but there are always exceptions which is why you have to compare fares and compares days and flight times.

    • Cheapest days: The cheapest days to fly on most U.S. domestic routes are Tuesdays, Wednesday and Saturdays. Learn more about this here .
    • Expensive days: Popular days will cost more. The most popular/most expensive days are usually Fridays and Sundays .
    • Cheapest times: Again, fly when most people don t want to. This includes flights at dawn, red-eyes or overnight flights, and often flights around the dinner hour.

    Can t fly the cheapest times or days in both directions? Do it one-way for your trip and you ll still reap half the savings.

    When is the Best Time to Book a Flight

    Best day to shop: FareCompare s data shows that best time to book a flight in the U.S. is Tuesday at 3 p.m. eastern time. This day and time give you access to the best flight deals. It s when airlines release the most sales and the best time to book plane tickets. Learn more about this here .

    Best time-frame to shop: This varies depending on where you fly.

    • Domestic fares: The best time to buy airline tickets in the U.S. is between three months and 30 days before departure.
    • International fares: The best time to buy international airline tickets is between 5 ½ months and 1 ½ months before departure. During peak seasons such as June, July and August or December holidays, purchase tickets two months in advance.

    A big mistake many people make is to delay shopping until the last minute thinking there will be deals. Those days are gone and last-minute fares tend to be much more expensive (this is when the steeper prices business travelers pay kick in). Bottom line: Procrastination doesn t pay.

    How to Save with Flexibility

    Sometimes a little inconvenience can save big money. Check out the following tips and decide whether you re willing to endure a longer travel day or shopping experience.

    Connecting flights: Often not always, but often you can save by foregoing the ease of a non-stop flight in favor of a less convenient connecting flight. Sometimes adding a stop (or two) can save as much as 50 percent. Learn more about this here.

    Bigger airports: Bigger airports (particularly hubs) often have cheaper airfares. Compare prices from your home airport as well as the nearest larger airport and you may find driving an extra hour or two is well worth it.

    Shop one passenger at a time: When booking travel for two or more, shop one passenger at a time. That s because airline reservation systems have a quirk that works like this: Multiple  tickets sold in a single transaction must be the same price. If you shop for two tickets at the same time, and there is one ticket for $100 but the other tickets are $200, you ll pay $200 for both tickets. If you shop one at a time, you ll get one ticket for $100 and one for $200. Learn more about this here .

    Sign up for airfare alerts: Getting to see the best prices in real-time is simple; just sign up at FareCompare (it s free and it s fast). Tip: When you are alerted to a good price that interests you, jump on it it will not last long.

    Yes, We Have More Tips to Find Cheap Flights

    Please join our community at FareCompare. Not only will you get access to the best airfares of more than 500 airlines around the world, you ll find tons of great advice that will save you money. Check out our Deals Blog. follow us on Facebook and Twitter. It all comes down to our motto: Don t pay a penny more than you have to.





    19/09/2017

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    Modular Home Prices: How Much Will My Modular Home Cost? #buy


    #

    Modular Home Prices: How Much Will My Modular Home Cost?

    Find out how much modular homes really cost to build. Watch our informative video on price per square foot costs for a prefab home.

    When asking how much a modular home will cost to build, many different sources will give you many different answers. Some companies will tell you that they can build you a home for as low as $35 per square foot, but what they are quoting you is only the base price. When talking about the cost of a modular home there are a few different terms used to distinguish which price you’re referring to. Always make sure to ask specific questions so you will know which price is being discussed.

    Any dollar amounts we give on this page are estimates based off of the best information we have available. Your actual costs can and will be different depending on what and where you’re building. Check out our Price Breakdown Page to see exactly where all your money is going.

    The Base Price only includes the cost of manufacturing the modules for the base plan that you have selected. No customizations or alterations will be taken into consideration with this modular homes price. Some companies will artificially reduce the base price of the home by listing space like an unfinished attic as part of the total square footage. While you can usually turn that space into livable area, that cost is not included in the base price.

    How Close an Initial Quote will be to the Detailed Quote: Exact

    Likelihood That the Final Cost Will Change From a Detailed Quote: Extremely Unlikely

    Average Price: $50 per sq. ft.

    When you actually have a home that you might want to live in with appropriate finishes and any upgrades you may want (including separate structures such as garages), this is now known as your Custom Price. This still only includes the work done by the manufacturer at the factory.

    How Close an Initial Quote will be to the Detailed Quote: Almost Exact

    Likelihood That the Final Cost Will Change From a Detailed Quote: Unlikely

    A manufacturer may say something like “You’re looking at around $200,000 to have the home built and set up.” There are a few half-truths in that claim. First, this price may or may not include the cost of delivering the modules to your build site. This cost can vary wildly depending on how far away your build site is from the factory, and in extreme cases the cost can run in to 5 digits.

    When the manufacturer says “set up,” what you may hear is “finish.” This is not what they mean. They said “set up” because they are only talking about setting the modules on the foundation and securing them. This includes fastening the modules to each other and attaching roofs and dormers, but will not include any additional roofing work, attaching utilities, or even the cost of building the foundation that the house must be set on. Since delivery cost is the largest unknown in this situation, ask if they have delivered to your area before and deduce a ballpark number from what it cost before.

    How Close an Initial Quote will be to the Detailed Quote: Fairly Accurate

    Likelihood That the Final Cost Will Change From a Detailed Quote: Fairly Unlikely

    This is the highest price that your manufacturer will be able to give you any help with. It includes everything the previous prices do in addition to the estimated costs for site prep, pouring the foundation, buttoning up, and any site work like constructing porches. Since all of those aspects are handled by your GC or builder, this price is highly dependent on the costs that they quote you.

    How Close an Initial Quote will be to the Detailed Quote: Wait for the Detailed Quote

    Likelihood That the Final Cost Will Change From a Detailed Quote: Extremely Likely

    The All-in price is the total cost of building your home. It includes everything the previous prices do in addition to costs for connecting utilities, purchasing land, site work, landscaping, paving a driveway, permits, taxes, fees, etc. There is no way to determine what this cost will be without doing some serious research into your specific situation. Enlist the help of your manufacturer, GC, real estate agent, town hall, and local utilities company.

    How Close an Initial Quote will be to the Detailed Quote: Seriously, Wait for Detailed Quotes

    Likelihood That the Final Cost Will Change From a Detailed Quote: It’s Going to Change

    Average Price Per Square Foot: Impossible to Estimate

    Price Breakdown

    So why do these prices have such a huge gap in estimated modular home price? Check out our Price Breakdown Page to see exactly where all that money is going.

    And how exactly will you pay for all of this? With a modular home mortgage of course!


    18/09/2017

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    Cheap Domain Name Registration – Free Website – E-mail Hosting Offer,


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    Search and register cheap domains

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    12/09/2017

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    Buy Senior Travel Insurance for Your Next Trip #magellan #travel

    #discount travel insurance
    #

    Getting Travel Insurance for Your Next Trip

    By Nancy Parode. Senior Travel Expert

    Nancy Parode’s travel and cultural articles have appeared in print magazines, such as Military Spouse and Northern Virginia. and on several websites, including Sixty and Me, IntoWine.com, The World I Online and NotForTourists.com. Nancy also blogged about military life for HometownAnnapolis.com, the website of Annapolis, Maryland’s The Capital newspaper. Tripping.com named Nancy’s Senior Travel blog here at About.com a Top Travel Blog in the Senior Travel category, and About.com’s Senior Travel website made Discover Corps ‘ list of Best Baby Boomer Travel Sites for 2105.

    Nancy has been featured on NPR affiliate WRVO Public Media’s “Take Care” radio show and BlogTalkRadio’s “Transformed Travel” show. She has been interviewed by The New York Times’ Frugal Travel writer Seth Kugel, SixtyandMe.com’s Margaret Manning, The Amateur Traveler’s Chris Christensen and consumer advocate Christopher Elliott.

    Consider these situations:

    • You fall and break your leg while visiting Croatia. You must fly home, yet cannot bend your left knee.
    • Two days before you are due to fly to New Zealand, you come down with this year’s strain of influenza.
    • Your cruise ship cannot leave on time because a hurricane is bearing down on your departure city.

    If you buy the right kind of travel insurance before your trip starts, you can recover the cost of your canceled trip or the extra expense of flying home while disabled.

    Continue Reading Below

    Consider purchasing travel insurance to prevent unexpected problems from ruining your dream vacation.

    Although some travel experts and even Consumer Reports claim that travel insurance isn’t worth the money, seniors should research this issue carefully for several reasons:

    • If your only medical insurance is Medicare or Medicaid and you plan to travel to another country, consider purchasing travel insurance. Medicare only pays for expenses incurred within the United States. If you should get sick or become injured while abroad, you will be expected to pay for your medical care up front, and emergency medical evacuation costs thousands of dollars.
    • If you are insured through an HMO, check to see if you can get emergency medical care outside of the HMO’s service area, and find out if a deductible applies. Some HMO’s will not cover out-of-region or overseas medical expenses. Travel insurance could be a good way to temporarily add to your health coverage if your HMO’s service area is limited.
    • If you book a trip or cruise and must prepay, you may face a penalty from your tour agency or cruise line if you need to cancel your trip. This penalty may be more than the cost of trip cancellation insurance. If so, trip cancellation insurance could protect you from a larger loss.

    Continue Reading Below

    • If you travel often, consider an annual membership in an emergency evacuation program, such as MedJet. For a few hundred dollars per year, you’ll receive emergency medical transportation to your chosen hospital if you should get sick or sustain an injury.

    Types of Travel Insurance

    Shopping for travel insurance can be confusing. There are many types of travel insurance plans; some cover only a particular group of losses, while others are comprehensive policies.

    According to the U. S. Travel Insurance Association (UStiA), there are three basic kinds of travel insurance coverage:

    • Trip cancellation insurance. This type of policy covers the cost of your airfare and other prepaid expenses if you need to cancel your trip. Trip cancellation insurance will reimburse you if you cannot make your trip because you or a family member becomes ill or if weather problems prevent you from traveling. It will also reimburse you for lost luggage. Some policies also cover financial default of your travel supplier.
    • Emergency medical coverage. This pays for medical care and the cost of emergency return travel. This coverage is especially useful for seniors because it pays for medical expenses incurred outside of your home country.
    • 24-hour telephone assistance. This coverage provides travelers with an easy way to locate doctors and get emergency help, and is especially helpful if you plan to travel to an area where English is not a common language.

    How to Shop for Travel Insurance

    Here are some tips for choosing a travel insurance policy.

    • Purchase travel insurance through your travel agent. A good travel agency will have working relationships with reputable travel insurance providers and will offer various types of policies.
  • Call your regular insurance agent and ask if s/he sells travel insurance.
  • Contact the U. S. Travel Insurance Association, the Travel Health Insurance Association of Canada or a similar trade association in your home country. Ask for a list of travel insurance agents in your area. These professional associations also provide travel insurance information.
  • Ask around. If you participate in online discussion groups, such as AARP’s message boards, you can post a question about travel insurance and read about other travelers’ experiences. Discuss your travel plans with friends and ask if they have purchased travel insurance. Do some online research – for example, do a search on the name of a travel insurance company – to see if other travelers have reported problems.
  • Use an online insurance comparison site, such as InsureMyTrip.com. SquareMouth.com. or WorldTravelCenter.com to help you research coverage and costs.
  • Look for a policy that covers pre-existing conditions ; some don’t. Others will cover pre-existing conditions only if you purchase your policy within a specified time period after paying your trip deposit.
  • If you are taking a sports-related or adventure trip, look for a policy that covers sports-related injuries. Many travel insurance policies won’t pay for “high adventure” injuries.
  • Read the entire policy. Don t rely on someone else s description of coverage. If you don t understand what s covered and what s not, ask questions before you buy.
  • While travel insurance isn’t cheap – it can add up to as much as ten percent of your total trip cost – it can give you peace of mind and provide financial assistance if the worst should happen.





    09/09/2017

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    Maxine Aaronson – Tax Attorney Dallas Houston Texas IRS representation #tax


    #

    Dallas, Texas Tax Attorney

    Board Certified in Tax Law by the Texas Board of Legal Specialization, Maxine Aaronson has more than 30 years of experience helping clients manage the impact of federal and state taxation on their families and businesses. She limits her practice to the following areas:

    • Business and tax planning
    • Structuring and documenting business transactions
    • Resolving issues with the Internal Revenue Service
    • Trust and estate planning

    Maxine works closely with business owners and their families, helping them make tax-smart business decisions, plan for retirement, transfer wealth to children and grandchildren and structure their financial affairs to protect family assets. Her clients are primarily closely held businesses, their owners and their executives.

    A Personal Touch

    Maxine takes a personal interest in her clients’ businesses, often saying that her business is about helping her clients’ businesses succeed and prosper. A team player who works closely with a client’s in-house and outside accountants she strives to deliver quality services in the most cost effective manner. Unlike many tax lawyers practicing in larger firms, Ms. Aaronson personally handles all of the clients and cases she accepts. She likes to maintain an ongoing relationship with her business clients so that she can pro-actively advise them of potential tax pitfalls to avoid and of tax planning opportunities to seize.

    As a regular part of her practice, Ms. Aaronson helps her clients prepare and execute business succession plans, set up, buy or sell businesses, handle Internal Revenue Service audits, and design and implement compensation plans and retirement savings programs for owners and key employees.

    In addition to the practice of tax law, Maxine is frequently asked to serve as a mediator for other attorneys because of her ability to efficiently resolve complex tax, business and commercial matters. She also has experience working as a mediator in tax cases involving both the Internal Revenue Service and the Texas State Comptroller’s Office.

    Share This Page:

    2016 – 2017 Maxine Aaronson Attorney at Law. All rights reserved. Custom WebExpress website design by NextClient.com .


    08/09/2017

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    10 Tips: Should you buy travel insurance? Money – 10 Tips.

    #buy travel insurance
    #

    In rare instances it s a good deal, but it often duplicates existing coverage

    Planning to go trekking in the Himalayas? Or maybe take a little cruise down to Mexico? Before you head for the hills, it’s a good idea to make sure you have enough insurance coverage.

    More from TODAY.com

    Clinton said she is inspired to keep working to ensure that Charlotte and her generation are provided equal opportunities.

    Travel insurance is becoming increasingly popular, but in many cases it simply duplicates coverage you already have.

    The following tips can help you determine what kind of travel coverage, if any, is right for you.

    1. Familiarize yourself with what’s out there. Travel insurance can include trip cancellation, trip interruption, accidental death or dismemberment, medical and dental care, transportation to medical facilities, loss of luggage or personal possessions and protection against the bankruptcy or default of your cruise line or tour operator.

    2. Determine whether you’re already covered. Many homeowners’ and renters’ policies provide coverage for theft and other losses away from home. Your medical and auto insurance may be valid in other countries. Your life insurance policy should cover you and your family while you travel. And airlines must reimburse you if they lose your bags.

    3. Remember your credit cards and auto club membership. Check to see what travel protection you have from those little plastic cards in your wallet. The American Express Platinum Card is especially good about giving generous accidental death and dismemberment coverage, insurance for car rental loss and damage, and extra lost baggage protection.

    4. Buy through a third-party insurer. Travel agents, tour operators and cruise lines sell travel insurance, but your safest bet is to obtain coverage through an established insurance company. This way your coverage won’t go up in smoke if your travel company goes bankrupt. You can compare rates at InsureMyTrip.com.





    07/09/2017

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    How to Sell – Buy Mutual Funds Online #how #to #buy


    #

    Chapter 3.4: How to Buy Sell Mutual Funds

    Mutual funds have been around in India for nearly three decades now, but the number of people who actively buy and sell mutual funds in the country remains abysmally low as a percentage of the population.

    The fundamental reason for poor participation in the mutual fund market is the lack of awareness; not just about the benefits of mutual funds, but also the knowledge of how to buy and sell them.

    You have tackled the question of how mutual funds help you achieve your investment goals in earlier chapters. Now, let’s go through the process of buying and selling mutual funds.

    How to Buy Mutual Funds :

    Mutual funds are versatile instruments that can be bought and sold in a variety of ways. Once you get all your paperwork in order, here are some of the various ways you can acquire mutual funds in India through Kotak Securities:

    • Buying mutual funds through Kotak Securities is a great option for investors with limited knowledge about investing and even lesser time to do the paperwork by themselves.
    • You can either trade mutual funds online through your trading account or call us and place an order.
    • The brokerage house can also double up as a financial advisor, helping you out with options that you may not be aware of, offering tips and tricks to help you make the
      most of your investments.
    • In addition to these, you can either buy directly from the
      asset management company or through a bank that sells mutual funds.

    Once you have decided which way you want go and which mutual fund scheme(s) you want to invest in, you will have to place the order. Here’s the step-by-step procedure of buying a mutual fund:

    • Get a demat account
    • Go to the Mutual Funds section of Kotak Securities webpage. Login and then click on ‘Place order’. Or, you can call your broker.
    • Select the name of the mutual fund or the AMC’s name that you wish to invest in.
    • Then select the correct scheme as many fund houses offer multiple schemes.
    • Specify the amount you wish to invest in the scheme.
    • In case of a dividend scheme, select one of the two dividend options — payout or reinvestment. If you select the payout option, the mutual fund’s dividends will be credited to your bank account. The reinvestment option allows the amount to be used to buy additional units of the scheme. You thus won’t get the dividends credited to your bank account. Select the former if you want a secondary source of income. The reinvestment option, however, helps you increase the size of your holdings and increase returns.

    How to Sell Mutual Funds :

    If you thought the amount of research done for buying a mutual fund was hard work, you’re about to repeat a lot of such work while selling your mutual funds. You need to do your homework and sell your mutual funds only if the timing is right to ensure that you always make a profit on your sale.

    Some instances for when mutual funds ought to be redeemed:

    • Most people sell their mutual funds to finance some immediate or upcoming financial requirement, like buying a house or car, paying for children’s education, a health crisis or even an upcoming foreign holiday.
    • Another good time to sell off your mutual funds is when your investment requirements undergo a change – this could be due to inherent growth or changes in your existing portfolio or due to a life event that reorganizes your priorities.
    • If the performance of a mutual fund dips consistently below expectations and other comparable funds for a sustained period of time. Here, ‘sustained’ refers to a time period of 1 to 5 years at least.
    • Changes on the part of the mutual fund – a reset of its investment objectives or strategy, a rejig of its favored stock picks or sectors in which it invests or even the departure of a trusted fund manager often leads to the sale of such mutual funds by investors.

    Do you see yourself in any of the scenarios? Then it’s probably a good idea to sell your funds and cut your losses early on.

    There are two ways to sell your mutual funds – to another investor or back to the mutual fund. The latter is called redemption of mutual fund.
    Mutual funds are best redeemed the same route through which they are purchased. This means you could choose to redeem them online or offline, through an agent or broker or directly by yourself.

    However, remember to check for any exit load or charges for sale of your MF units. This will be deducted from your total proceeds from the sale.

    Common Mistakes to Avoid When Buying and Selling Mutual Funds

    Mutual funds are managed portfolios of stocks, bonds and securities that offer investors the perks of participating in the stock market, but with a limited exposure to the risks involved.

    Since this is the case, the need for 24 x 7 monitoring of your investments is probably unnecessary. However, this does not mean that you go into this process of investing in mutual funds completely blind and then live to regret your rash decisions.

    Don’t be in a hurry to sell off low performers

    Some funds are slow starters that even out their losses given enough time and attention. Patience truly is a virtue when dealing with mutual funds. Exercise it and hold on to your low performers for at least a year before you decide to get rid of them.

    A lot can change with the stock market or even your low performing fund in the span of a year. Experience shows that funds that are left to accumulate returns on for the longest periods of time are often the ones that offer the highest returns on investment for the investor.

    In a downturn, don’t sell everything off

    Mutual funds, as mentioned earlier, are managed by professional stock market analysts and fund managers with years of experience in investing under their belts. In tough economic times, they take proactive measures to minimize the impact of the downturn on their portfolios, like switching sectors or specific stocks to minimize losses.

    Don’t use your ‘gut feel’ over the training of these professionals as a justification for selling off your funds as the economy starts cooling off.

    Avoid putting your money into stock market bubbles

    Every few years, we see at least one sector that shows extraordinary promise and has investors making a beeline for such stocks. This tendency to favor sectors that are the ‘flavor of the season’ spills over into mutual fund trading too.

    Be very careful of such deep, sector-specific investments. They could well be the next dotcom bubble in the making. Check your call with a financial advisor, read up investing literature online or otherwise, speak to other experienced investors and then proceed with your sector specific picks

    Don’t pick funds based on their short term performance

    Mutual funds must be evaluated based on not just their current returns but also on their long term – 1 to 5 year – returns. This is necessary to know if there has been a consistent pattern in the fund’s performance over the years and also to ensure that short term market corrections don’t negatively impact your choice of funds.

    Don’t go too narrow with your mutual fund choice

    You may have done the most extensive research to arrive at the number one mutual fund option according to you. However, there are no guarantees in the world of stock and securities trading. There’s always a small risk of failure even with the best managed funds.

    Don’t put all your investments in one basket. Pick your top three or four choices and spread your risks among them. Make sure they are different types of mutual funds to actually benefit from this move.

    Don’t sell before your lock-in periods are over

    Selling a fund before the lock-in period runs out is a wasted opportunity to make some returns on your investment. There are exit loads attached to such premature exits and they often nullify the profits that you might have made had you stuck till the end of the lock in period.

    Another problem is short term capital gains tax that would become applicable on your investment, thus decreasing even further the ROI from the original investment.

    WHAT NEXT?

    While researching for mutual funds, you will come across multiple types of mutual fund schemes designed to suit every investor’s needs. These may sound confusing. In the next section, we will go through the multiple types of mutual funds in detail. We will also take you through the Systematic Investment Plan and Hedge Fund investing. To read these, Click here .


    07/09/2017

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    Best Days To Buy Plane Tickets Are Saturday And Sunday, Study

    #airline tickets cheapest
    #

    Best Days To Buy Plane Tickets Are Saturday And Sunday, Study Finds

    While it may be too late to book your Memorial Day weekend travel. it’s always good to know how to travel on a smart budget. According to a recent study conducted by a Texas A





    31/08/2017

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    Q&A: What is the best day to buy cheap airline tickets?

    #best price airline tickets
    #

    Q A: What is the best day to buy cheap airline tickets?

    A jet comes in for landing at Los Angeles International Airport (LAX) on April 15, 2008.

    A jet comes in for landing at Los Angeles International Airport (LAX) on April 15, 2008. less

    The best day to buy cheap airline tickets

    Q. I’m buying airline tickets for the holiday and heard there was a certain time it was best to buy. Do you know what that is?

    A. For a long time, everyone said Tuesday afternoon was the sweet spot. That’s when the airlines adjust their prices to match whatever deal another airline ran on Monday. And it’s still good advice. However, researchers recently found that weekends are overall the best time to buy. Also, the day you fly makes a big difference, with Tuesday being the least expensive. Sites like Matrix. Bing Travel and AirfareWatchdog can help you find cheap flights or predict when prices are going to be the cheapest.

    Safe banking on the go

    Q. I travel a lot and do my banking on the go. Is it safe to bank on public Wi-Fi?

    A. The answer is a firm “no.” You could be on the same Wi-Fi network as hackers. Even with security measures in place, they can still nab your usernames and passwords. So, reserve using sensitive sites for home or use your cellular connection. Also, on a smartphone or tablet, using a bank’s app — if it has one — is safer than using its website.

    Spot a stolen smartphone

    Q. I’m buying a used smartphone, but I’m worried it might be stolen. How can I check?

    A. Well, one giveaway is a price that’s way too low. Check out Movaluate or WorthMonkey to see how much the seller should be charging. You should also check the phone’s ESN or IMEI number. This is usually found under the battery. A site like Swappa can tell you if the phone has been reported stolen or has some other activation problem. You can also call the phone’s carrier and ask.

    Cool features in iOS 7

    Q. I saw something on Facebook that said updating to iOS 7 will make my iPhone waterproof. That’s a joke, right?

    A. Definitely. A software update can’t change hardware like that. But iOS 7 does come with some cool new features you’ll like. For example, swipe up from the bottom of the screen to open the Control Center. This holds a bunch of settings that used to be hidden away. You can easily turn Wi-Fi on or off, fire up the new flashlight feature or tap the half-moon icon to put your phone in Do Not Disturb mode.

    Antivirus on a Mac

    Q. I was told not to put antivirus software on my Mac, but I thought I’d double-check. Is that right?

    A. I’m glad you did. Whoever told you that isn’t giving out good advice. There are more threats appearing that target Macs. One like the recent “Kumar in the Mac” could bypass your Mac’s built-in security. Without third-party security software, you’re a sitting duck for something like that. Both Sophos and Avira have free security software for Mac. You can start there, or look up other major security company’s products.





    23/08/2017

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    Compare – Buy Cable and Satellite TV Offers #compare,buy,cable,satellite,tv,television,directv,dish #network,comcast,time #warner,best


    #

    Compare Cable Satellite TV Providers

    Cable and satellite TV services can have different offers when it comes to channels, price, and service quality. And as a customer you may be very happy with one and very unhappy with the other. You should research both types of TV companies thoroughly before choosing cable over satellite (or vice versa).

    With our comparison chart below, you can start to see the difference between cable and satellite TV providers, and how those differences will determine the price you pay.

    Learn

    Bundles

    Bundles that include television service are offered by cable and phone companies. Since fiber-optic is only available in limited areas, the phone companies usually also offer a bundle where the TV component is delivered by a partner satellite TV company. In any case, bundling TV with some combination of home phone and Internet can yield monthly savings. Click below to see and compare bundle offers.

    *Terms and conditions apply. See site for full details.

    Cable TV vs Satellite TV

    Because of the differences in technology, cable and satellite TV have some different capabilities and features. However, you will probably find that a number of the basic features are similar between the services.

    What are the differences between cable TV and satellite TV? The main differences to compare between cable and satellite providers are:

    Cable Television Companies

    How Does Cable TV Work?

    Cable TV depends on a network of fiber optic and trunk cables. These cables transmit TV shows to your TV as encrypted signals. So, cable TV transmits TV shows to your home through a physical connection made up of cables, while satellite TV uses a satellite and satellite dish to transmit shows as frequencies to your home.

    Price Difference

    Because of the differences in technology, cable can in some instances be more expensive than satellite service. For example, standard service starts at $29.99/month* with Time Warner Cable. By comparison, a digital package with the DISH with more channels costs $19.99/month* for the first 12 months.

    Plan Variety

    Cable companies are also less likely to offer you a lot of customization when you are choosing a TV service. For example, with Time Warner Cable, you have the choice between the standard TV or the expanded Preferred TV plans. Satellite TV companies usually give you a selection of 4 or more plans with a variety of channels and prices.

    This means that you have access to a great level of variety and customization with satellite TV. However, both cable and satellite TV services only offer you a limited amount of control when it comes to choosing individual channels that you want to add to your plan.

    Prices for premium channels are also similar: if you wanted to add HBO to your TV plan, it would cost $15.95/month extra with Time Warner Cable, and $19/month extra with DISH.

    Cable Equipment and Technology

    To use cable TV in your house, you will need to get a receiver which you connect to an outlet in your home through a series of cables and wires. Cable companies may offer promotional discounts on equipment, so look out for sales and special deals.

    However, even with discounts, you will probably still need to pay some monthly fees for your equipment. For example, a cable box with Time Warner Cable costs $10.25/month with each additional receiver costing $11.75/month. Time Warner includes installation to two TVs with additional outlets costing $29.99 each.

    Because cable TV relies on a physical connection of cables and wires, cable TV is much more durable than satellite TV in bad weather. It is fairly easy for a satellite to get knocked over or moved around in heavy wind and bad weather. Durable cables, on the other hand, are pretty resistant to bad weather.

    Cable TV is fairly easy to install, but it can also be time-consuming. Cable companies will send someone to install the system of cables and cable boxes for you. However, these appointments can eat up a lot of time and cost extra. Cable companies generally don’t give a specific price quote for their installation services, but installation service can often run as high as $200 depending on the provider.

    And you may end up spending all day on your installation appointment. When you make an installation appointment with a company, you pick a day and a range of times. The technician will arrive sometime in that range of hours. This means that you will need to be home during any given 4 or 5 hour period.

    Some companies like XFINITY from Comcast give you the option to choose a self installation kit. Depending on your technical skills, this may save you time and money. So, if you think you can handle setting up the system on your own, you can avoid paying as much for an installation service from the company, and you can install the system on your own time whenever it is convenient for you.

    It can also be difficult to get cable service in certain locations, especially in remote or mountainous locations. If your house isn’t very close to the nearest cable broadcast station, you could be out luck.

    Satellite TV Providers

    How Does Satellite TV Work?

    When a satellite TV company wants to broadcast a TV show, the satellite company sends the show as encrypted data from their broadcast center to their satellite. The satellite then transmits the encrypted data to your satellite dish, and the dish in turn transmits the data to the receiver on your TV set.

    Price of Satellite TV

    As we said before, technological differences between cable and satellite TV service providers result in different prices. Satellite TV companies usually offer lower prices on comparable plans.

    However, you should note that plans can get pretty expensive with satellite TV. Because satellite companies offer plans with more channels and features, prices can get very high. For example, the Premier Plan with DIRECTV costs $92.99/month for 285+ channels.

    Plan Variety

    Lots of people choose satellite TV because you can choose from a wider variety of shows and options than you can with cable TV. Again, plans with a lot of channels, features, and variety are more likely to be expensive. However, there are some cases in which you might really want a specific channel that a cable provider won’t have. For example, if you are from New York but you live in California, it might be easier to get Giants games with a satellite TV service than with a cable service.

    Satellite TV Equipment and Technology

    This technology eliminates some of the problems associated with cable TV. For example, because satellite TV doesn’t depend on physical cable connections, satellite service is available to a much wider range of customers. This means that satellite TV is available in most parts of the US, basically to anyone with a satellite dish, so some of the people in remote areas who can’t get cable TV can get satellite TV without issue.

    Initial installation may be more expensive with satellite service than initial installation with cable TV. Satellite dishes can be costly, so if your plan doesn’t include a satellite dish and installation, you can end up paying a good deal extra for these services. However, a lot of companies will include a satellite dish and installation for no extra cost, so just be sure to read the fine print.

    However, satellite TV doesn’t always work well; your dish has to sit outside which means that satellite TV service isn’t as weatherproof as cable TV service. Heavy wind may knock over or damage your satellite dish which will ruin your TV service.

    Lots of satellite TV plans include a DVR or HD DVR which allows you to easily record shows, set parental controls, watch shows from any room, and access On Demand programs and movies. Cable companies may also offer your a free DVR when you buy a TV service plan. With both satellite and cable TV service providers, you will usually have to pay a monthly fee for the DVR even though the DVR itself is included at no extra cost. Service for a DVR costs around $10+/month with either cable or satellite service.

    A Comparison Chart of Cable TV Service Versus Satellite TV Service


    17/08/2017

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    Visitors Insurance Reviews. Buy visitors insurance with confidence for your relatives

    #travel insurance reviews
    #

    You must enable java-script to continue.

    Hey guys. My husband and I are half way there. We recently got his EAD and SS card so I figured I would share our experiences thus far. Please ask us any questions you want because reading this site was a HUGE help for us.

    8/29/2015 – Mailed our AOS Packet to the Chicago Lockbox for packages requiring a signature

    8/31/2015 – USPS tracking confirmed Delivery in hindsight I wouldn t of paid extra for faster mailing

    9/8/2015 – Email confirmation of package receipt

    9/14/15 – Received paper receipts by mail. Priority date Sept. 1st.

    9/18/15 – Received Biometrics appointment notification by mail. Date 9/28

    9/21/15 – Completed Biometrics Walk In appointment at the Jamaica, Queens Application Support Center. Came at 1:30pm and the place was pretty empty. Security guard was firm but didn t give us any real problem. He had to check with his supervisor to let us go.

    For a month we received no news and no updates. We called USCIS and they said that was completely normal not to have any updates in this period and for us to expect the EAD w/i 75 days of our priority date.

    10/30/2015 – EAD/ Advanced Parole approved!

    11/4/2015 Online update EAD mailed

    11/7/2015 – Received EAD in the mail

    11/9/2015 – Brought EAD card and Passport to Social Security office in Mineola, NY to apply for SS card Free

    11/18/2015 – Received Social Security Card in the mail

    11/19/2015 – Took EAD card, Social Security Card, Passport and Bank Cards to DMV to apply for learner s permit. Approved.

    Big things we worried about and what we did.

    My husband came to the US on a B1/2 visa and he overstayed by 10 years. During that time he did work without authorization, got a Tax Identification number and filed taxes 2 of those years, and actually received a return. haha. On the forms we were truthful and did admit that he worked and did put down where he worked. So far so good and we haven t had any problems. We havent had our interview yet.

    FOLDER 1- LABEL I-130 AND WRITE NAMES ON IT

    Form I-130 – Petition for Alien Relative

    o Attach copy of petitioner s passport me, the wife

    o Attach copy of marriage certificate

    o Attach 1 passport photo of beneficiary and 1 passport photo of petitioner, write the name in PENCIL on back of photos and place each in a separate sandwich bag. I wrote in black marker the name of the person and what form picture belonged to on the sandwich bag.

    o Attach Form G325A for Beneficiary and Form G325A for Petitioner. G325A.A.A.A.A. make sure it ends in A :

    o Submit proof of bona fide marriage

    We submitted APARTMENT LEASE and I made sure my landlord added my husband to the lease although she was only given financial information about myself. Be firm and just tell them its important. you don t have to explain yourself. Most will comply.

    – Photocopy of health insurance card which had my husbands name on it.

    -Photocopy of credit cards that had my husbands name on it. Discovercard and JCpenney will send you a second card if you add them as an authorized user. So on the same paper we copied my husbands card and my card which had the same number on it.

    – Photocopy of joint bank statement which showed both of our names and address. Wells Fargo will open a bank account for someone without a SSN. I made sure to make deposits in his account from my bank account and pay some of our bills from his account to show a paper trail.

    – Photocopy of about 30 pictures of us together in different situations wedding, pictures of him and my mom, pictures of us doing a backyard project, pictures of him and my best friend. if you don t have a lot of pictures just start taking pictures randomly together and write a short blurb describing the pictures.

    – Place all supporting documents in a manilla envelope and label Proof of Bona Fide Marriage. Put in i-130 folder

    FOLDER 2

    Form I-864 – Affidavit of support under section 213A – Make sure to include a photocopy of your ENTIRE tax return for most recent two years INCLUDING all of your W-2 or 1090 s. Since my salary changed drastically from last year to the current year I also included copies of my last 6 months pay stubs.

    FOLDER 3

    Form I-485 – Adjustment of Status

    o Medical examination report must be included in i-485

    o Attach copy of birth certificate

    o 2 passport size photos of the beneficiary. Follow the same instructions for the previous photos.

    o Attach a copy of i-94, passport with all biographical data pages and visa pages copied.

    Attach copy of marriage certificate which is the basis of the i-485

    Form G-1145 e-Notification of Application/Petition Acceptance. Put this form as the first page in the i-485 folder.

    Form I-765 Application for Employment Authorization no additional fee if filed together

    Form – 131 Advanced Parole

    Include 2 passport style photos of the Beneficiary. label and place in baggy as before

    Form I-693 Report of Medical Examination and Vaccination Record separate fee paid to the civil surgeon. We paid around $130

    For the medical examination. Look up all the age appropriate vaccinations that you will need. And then go to a free clinic or community sponsored clinic if you don t have insurance and get all those vaccinations or ask for a TITERS test which will prove that you already received those vaccinations and are immune. If your childhood copy is available bring it. Ask for a printed copy of the lab reports and vaccination record of all vaccinations you get. A copy of the report should be free or minimal cost. Dont say that you need the vaccinations for immigration purposes because insurance and free clinics are not allowed to provide that service just for immigration. Bring all of these records to your medical examination appointment because if you do not have these records they WILL CHARGE YOU EXTRA to do these test. A LOT EXTRA. I recommend starting the vaccination record process about 3 months before you plan to file.

    Good luck guys. We are from Long Island so our interview probably won t be for a few months. Will update you about our interview.





    17/08/2017

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    Mountain Home AFB Housing #mountain #home #afb, #id, #relocation, #housing, #relotary,


    #

    Mountain Home AFB, ID

    Mountain Home AFB Housing. com’s
    Housing Options

    Basic Allowance For Housing (BAH)
    Your BAH can be used to rent on base or live off base. If you live off base, you can either rent or buy. Click the link above for current BAH rates.

    On Base Housing ( Rent On Base )
    You can contact the housing office at (208) 828-2781. Please keep in mind that there is a process involved in renting on base housing, including wait times. Military personnel are asked to check in at the housing office and fill out a DD Form 1746 to apply for on post housing.

    Off Base Single Family Rentals
    You can choose to rent off base if you wish. Check our database for available single-family homes.

    Cities around Mountain Home AFB (Purchase a Home)
    The cities around this installation are Mountain Home, Grand View, Bruneau, Hammett, and Orchard.

    Not sure where you are going? Click here for other installations.

    Mountain Home Air Force Base is home to the 366th Fighter Wing ‘Gunfighters’, which provides combat power and support capabilities to respond to contingency situations worldwide. The base is located near Mountain Home, Idaho, about 40 miles from Boise.

    For information on typical rental rates, local attractions, history of the base, rental opportunities, and lots more, check out the Information links on the left of this page. For needed services, check out the service providers on the right side.


    14/08/2017

    Posted In: NEWS

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    When To Buy Plane Tickets For The Holidays #flight #& #hotel

    #buy flight tickets
    #

    When To Buy Plane Tickets For The Holidays

    Sep 27, 2013

    It happens every year. We celebrate Labor Day and it’s a sleigh-ride into the holidays. As Thanksgiving is under 70 days away, it’s time to start thinking about your holiday plans. And then the constant question looms: when’s the best time to buy those plane tickets?

    It’s hard for consumers: There’s so much (sometimes conflicting) information about when to buy tickets. One recent study found that booking on weekends can lead to 5% lower fares than those booked during the week. Yet Rick Seaney of FareCompare.com disagrees, and maintains that Tuesday afternoons are still ideal as airlines hike fares usually one weekend a month (but if you do buy during a hike don’t fret, the hike will likely only be between $4 and $10 more what you might pay on a Tuesday afternoon).

    So we asked Kayak and Expedia to break it down for us for holiday travel specifically, which has its own set of rules and tips, in terms of when to buy and when to fly.

    According to Kayak, on average the cheapest airfare for Thanksgiving, Christmas and New Year’s are found between September and mid-October. Starting in late October, airfares increased by 17% for Thanksgiving, 51% for Christmas and 25% for New Year’s Eve. For those wanting to go international, try to book sooner rather than later; if last year is any indication, airfare steadily increased as departures got closer.

    Jeremy Boore, a Travel Analyst for Expedia.com, recommends purchasing your Christmas tickets around the end of September to early October, once domestic ticket prices have stabilized following fluctuation early in the month (if you wait, you’re looking at average round trip ticket prices starting around $400). International travelers have more flexibility, he notes, and can wait until the beginning of November to book flights.

    So you’re looking at flights and need help whittling down the options? Here are the best days to fly during each holiday.

    For domestic travelers looking for Thanksgiving flights, the best departure days are Monday and Tuesday, with airfares roughly 15 to 23% below average, according to Kayak (Expedia’s Boore seconds a Monday departure). If you return on Thanksgiving Day, Friday or the following Tuesday, you’re looking at savings of more than 20% (if you want to get really thrifty, fly in and out on Thanksgiving Day and save up to 36%).

    Kayak recommends departing as close to Christmas Day as possible (like even Christmas Eve, notes Expedia’s Boore) and try to depart and return during the weekends around Christmas, where fares were up to 24% above average last year). Same goes for New Year’s.





    12/08/2017

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    When To Buy An Airline Ticket #cheap #airline #fare

    #buy flight tickets
    #

    When to buy an airline ticket

    [Voice of Kristin Arnold, Bankrate.com reporter]

    Take VO: Before you take off. you can land the best deal on your airfare. When you’re talking tickets, timing is everything.  Here’s the rundown.

    Departure: First and foremost, you need to buy your ticket a good 14 days in advance to score a good price.  To get the cheapest seats, before they sell out, buy a month or two in advance.  But don’t buy too early. since most airlines don’t start releasing cheaper seats until 3-4 months in advance for domestic flights and 4-5 months before international travel.

    [Rick Seaney, CEO of FareCompare.com talking] “Most people are procrastinators. They book inside of 30 days of departure. In fact, most tickets are sold inside those days.  If you think about it from an airlines perspective, they have to hold back these seats for high paying business travelers. They’ve got to have a lot of trust that those business travelers will come in the last 14 days. And so, you really need to be buying that ticket no later than 14 days before departure.”

    [Continue voice of Kristin Arnold] Business Class: Become business minded when buying your ticket. More airline tickets are sold from 9 to 5 Monday through Friday. so airlines offer their best prices when people are more actively shopping.  Purchase volume is the highest on Tuesdays…which makes it the cheapest day of the week to buy.

    Turbulence free Tuesday’s: According to Farecompare.com, Tuesday is also one of cheapest days to fly. along with Wednesday and Saturday. because they are the slowest air travel days.  The cheapest time to fly is usually the first flight out in the morning and the last flight out at night.

    [Rick Seaney talking on camera]”If you at least take half your trip on those days, you get half the benefit. So, you know, leave on a Wednesday come back on a Sunday when you want to come back. Or leave on a Tuesday and come back on a Saturday. You’ll end up saving a lot of money.”

    [Continue voice of Kristin Arnold] Don’t forget about the overnight “red eye” flights. another cheap option as they are neither comfortable nor convenient.

    Flight data:  Just like you use your computer to track ticket prices, so do the airlines. In fact, if an airline notices that cheap seat sales are picking up, they can instantly raise prices. and drop them if sales are lagging. Since airfares can change all the time. taking advantage of email alerts offered by a variety of travel websites and airlines can help you get the best airfare bargains.

    TAG: For more ways to save on travel, visit the Bankrate.com Frugal Vacation Travel Guide. I’m Kristin Arnold.





    12/08/2017

    Posted In: NEWS

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    Travel Insurance: What You Need to Know Before You Buy #flight

    #buy travel insurance
    #

    Travel Insurance: What You Need to Know Before You Buy

    Here’s the good news: travel insurance covers more than it used to. The bad news is, travel insurance is more complicated than ever. Here are the ins and outs of insurance.

    By Sascha Segan

    Here’s the good news: travel insurance covers more than it used to. Since I first wrote about trip insurance in Frommer’s Fly Safe, Fly Smart in 2001, travel insurers have come up with policies that protect you if you lose your job, if you’re ordered to work instead of taking a vacation, and even policies that let you “cancel for any reason.” (Those last ones are pretty popular.) Waivers of pre-existing conditions can let smart shoppers prevent their claims from being denied.

    The bad news is, travel insurance is more complicated than ever. With so many options, and with policies written in a language that only sometimes resembles English, it can be nightmare figuring out what you actually need.

    “I don’t know how people without insurance backgrounds figure out insurance,” said Steve Dasseos, president of TripInsuranceStore.com (www.tripinsurancestore.com ).

    Here’s our stab at explaining the ins and outs of insurance.

    Do You Need Travel Insurance?

    The first thing to ask is whether you actually need travel insurance.

    “Every person has their own level of risk tolerance,” said John Cook, president of QuoteWright.com (www.quotewright.com ).

    Travel insurance comes in two major flavors: medical and “trip cancellation” (which includes baggage and car insurance.) Travel medical insurance is potentially the most critical (in fact, some countries won’t let you in without it), but you may already be covered. It’s time to have a heart-to-heart with your own health insurance company about what happens if you’re injured overseas. Will they pay your medical expenses? If you’re heading somewhere without a decent health-care system — will they pay for a medical evacuation? If something goes wrong, how can you reach them from abroad? What’s the amount you’re covered up to? Medical evacuations can cost $50,000 or more, so it’s important to make sure you don’t max out your own medical plan.

    You probably already have car insurance, but supplemental car insurance can prevent accidents from raising your home car insurance premium, insurance brokers said. Yes, this sounds like a far-fetched way for them to sell more insurance, but as Dasseos says, it all comes down to your risk tolerance.

    Trip cancellation insurance is the thorniest to deal with because it has so many ins and outs. You can get coverage for trip cancellation, which means not going on your trip at all. Trip delay or interruption coverage covers being stuck in the airport or missing a connection to a cruise. Baggage coverage gives you money if a travel supplier loses your luggage.

    Even there, you should check around for existing coverage. Some credit cards, such as the American Express Platinum Card, come with baggage coverage; you may also have some travel baggage coverage as part of your homeowner’s policy.

    Depending on the coverage you’re looking for, insurance should cost between 3-8% of your trip price, according to travel insurance comparison websites. For a $4000 trip booked through TripInsuranceStore.com, that means prices ranging from $130-282, depending on the amount of coverage you’re looking for.

    You can learn a lot more by checking out our companion article, “10 Questions to Ask Your Travel Insurer.”

    Who To Buy Travel Insurance From

    You can buy travel insurance from an insurance company, a broker, a travel agent or a tour operator.

    Third-party brokers who deal with many companies can give you a good independent perspective. Dasseos’ TripInsuranceStore.com, for instance, compares plans from six different insurers. Other top brokers include QuoteWright.com, InsureMyTrip.com (www.insuremytrip.com ), and Squaremouth.com (www.squaremouth.com ). Just like with a mortgage broker and unlike with a travel agent, the insurers pay the broker’s commission, so you don’t pay more than by booking direct.

    Insurance companies themselves can present a variety of plans, but of course you’ve got to compare the companies’ plans against each other on your own. Try our list of top insurance companies and our questions to ask your insurance company to start. There are some bad insurance companies and even fake insurance companies out there, and we’d like to make sure you go with someone reliable.

    We’re a bit uneasy about trip insurance sold by online travel agents, tour operators, and especially cruise lines. These policies can be incomplete and poorly explained. A “buy travel insurance now” check-box on a website doesn’t give you the proper warning about things the insurance doesn’t cover, and insurance sold with cruises may not cover the planes, trains and automobiles you take to get to and from your ship.

    When to Buy Travel Insurance

    You should buy travel insurance right after you book your trip — preferably on the same day. As soon as you pay for your trip, the clock starts ticking on the pre-existing condition waiver. You want a pre-existing condition waiver, as it cancels out an administrative hell that results in more than 20% of claims being denied, according to QuoteWright.com’s John Cook. Some travel insurers give you 14 days after you started to book your trip to get the waiver, but some only give you 24 hours. To get the most options, think of booking travel insurance as something you do at the same time as booking your trip.

    If you’re a frequent traveler, travel insurance companies also offer multi-trip and annual policies that may be cheaper than buying a policy for each trip.

    Travel Medical Insurance

    If you need travel medical insurance, you need to choose between “primary” and “secondary” coverage. Primary coverage effectively replaces your existing medical insurance, with your existing insurance picking up the slack after the travel insurance runs out. Secondary coverage lets your existing insurance take the lead, with the travel insurance plan covering deductibles, co-pays, and anything your primary insurance company won’t handle.

    Primary plans have a lot less paperwork involved, Dasseos said; secondary plans can take up to eight months to pay out.

    Policies vary in terms of the amount they cover, whether they include dental work, and whether they can advance payment to hospitals that require proof of payment before they treat you. In Western Europe, you’ll probably want a lot of coverage — hospitals can be expensive — but “emergency medical transportation” isn’t as much of a concern. In the jungles of Honduras, though, a $100,000 helicopter ride to the nearest quality hospital might just save your life. (You’ll rarely need more than $100,000 of evacuation coverage, Jim Grace, president of InsureMyTrip said.)

    Also, beware the dreaded “pre-existing condition.” Pre-existing conditions are any medical condition you (or sometimes other people) have been treated for within a set time period, generally anywhere between 3 and 6 months. If you can’t get a waiver of pre-existing conditions, you need to think hard about every doctor’s visit you’ve had, every prescription you’ve filled, and every family member who’s already sick, because events resulting from those things may not be covered on your policy. And if you think you might cancel because Grandma is looking frail, her pre-existing conditions may come into play, too. It’s really best to get a waiver.

    Trip Cancellation Insurance

    The biggest news in the travel insurance industry in the past few years is the “cancel for any reason” policy, which lets you get at least some of your money back — usually 75-80% — without jumping through the usual hoops of “named perils.” Such policies are expensive, but they’re now up to a quarter of the policies Dasseos sells because they’re so easy to use, he said.

    If you don’t feel like a platinum-plated policy, you can assemble your own deal from parts — but you need to look very closely at those parts. Cancellation policies can cover cancellation, lost luggage, baggage delay, travel delay (being stuck at the airport and needing a hotel), or missed connections (being stuck at the airport and missing your cruise).

    But most of these policies are “named peril” policies, which means they cover the reasons they cover — and no other reasons. Some of the reasons can be surprising: Access America’s BizPack, for instance, lets you cancel if your boss demands that you work instead of going on vacation. But you have to look at trip cancellation policies with an eagle eye to see what they don’t cover. For instance, policies may not cover cancellations if you’re sick with H1N1 flu, because it’s been declared a pandemic by the WHO and some policies exclude pandemic illnesses.

    The perils also vary from insurer to insurer. Access America lets you cancel your trip if you get laid off, provided you’ve been working in the same place for three years. But over at Travel Guard, you only need to have held your job for a year before being laid off to get your money back. That could make the difference between an accepted claim and a denied one.





    10/08/2017

    Posted In: NEWS

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