What Can I Do with an Associate – s Degree in

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What Can I Do with an Associate’s Degree in Elementary Education?

Completing an associate’s degree program in elementary education may prepare graduates for a job as an elementary school aide, or it may just be a precursor to earning more education in the field. Read on to find out what options are available to graduates of an associate’s degree program in elementary education. Schools offering Elementary Education degrees can also be found in these popular choices.

What is an Associate’s Degree in Elementary Education?

Most elementary school teachers are required to have at least a bachelor’s degree, as a 4-year degree is needed to gain teacher certification in most states. For this reason, an associate’s degree in elementary education alone cannot provide individuals with the academic credentials necessary to work as educators in public and private schools. However, many community colleges still offer 2-year, associate’s degree programs in elementary education. While these programs alone cannot prepare students to become teachers, they can prepare them for other opportunities.

While enrolled in an associate’s degree in elementary education, students should learn the basics of primary education. They may examine a variety of topics, including educational techniques and classroom technology. Graduates of such a degree program may enter the educational workforce as teaching aides or assistants or pursue higher education in a related field. Below are a couple of employment and educational options available to those with an associate’s degree in elementary education.

Important Facts About Teacher Assistants

Median Salary (2014)

Job Outlook (2014-2024)

Communication skills, patience, and resourcefulness

Career and technical education teachers, childcare workers, library assistants

Source: U.S. Bureau of Labor Statistics

Become an Elementary School Aide

Elementary school aides, sometimes referred to as teacher aides or assistants, are responsible for assisting teachers with a wide range of classroom tasks. These tasks allow teachers to focus their energy on planning and implementing lessons. Aides may help move students between school locations, supervise students and prepare materials for classroom lessons. In some cases, aides may assist in the grading of projects and homework. Although many aides only hold high school diplomas, some states require aides to hold degrees from accredited 2-year college programs.

Earn Further Education in the Field

Many graduates of associate’s degree programs in elementary education can choose to continue their studies at a 4-year university. Credits earned in such a program may be applied toward a bachelor’s degree program in the field. Bachelor’s degree programs build upon the knowledge gained in associate’s degree programs and help prepare students to pass a teaching certification exam. Teachers may continue their education by earning a master’s degree in elementary education or in a more specific field. In general, a higher education level translates into higher pay.

To continue researching, browse degree options below for course curriculum, prerequisites and financial aid information. Or, learn more about the subject by reading the related articles below:





13/09/2017

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Nurses do not wake up each morning intent on delivering poor

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Nurses do not wake up each morning intent on delivering poor care.

Today marks the end of Christina Patterson’s investigation into the worrying state of British nursing. Throughout the week, readers’ responses have been extraordinary – ranging from moving first-hand testimonies to thought-provoking suggestions for change

  • Friday 13 April 2012 23:00 BST

Poor care is due to systemic failings, not the nurses

When people discuss their experiences of poor care, there is little one can say in defence, it’s their experience and no one else’s. I can’t deny for one moment that poor care happens. Every single instance is tragic and utterly unacceptable. However, when a problem is alleged to be systemic, as Christina Patterson appears to argue, one must look at the system and not simply the individuals at fault.

Despite political rhetoric to the contrary, deep budget cuts are being made right across the NHS. Tens of thousands of jobs are being stripped from the front line, and when nurses leave or retire, they aren’t being replaced. What does this mean for the team working on an older people’s ward that used to be staffed with five nurses, and now has to cope with three? It means that the 20 or so patients on the ward cannot physically get the attention they all need, that those who need help at mealtimes may not get it and that, despite the best intentions, standards slip.

The nurses of this country do not wake up each morning intent on delivering poor care – it just doesn’t happen. What does happen is that systemic failings bring about individual cases of poor care. We need to openly discuss the factors that are currently making a nurse’s life very difficult indeed.

Chief executive general secretary, Royal College of Nursing

No wonder so many Brits come to work in Canada

After 30 years as a nurse, nothing surprises me and I know there will always be bad nurses, although happily at the hospital I work they are the exception. Part of the problem is the abysmal wages in the UK. When I saw the pay scale I understood why so many British nurses emigrate to Canada to work. The wages are appalling given the intensity and difficulty of the work and the educational requirements.

I’ve had only superb care: is it because I live in a rural area?

I have been treated for two years for breast cancer by my local NHS Trust, and I have had superb care from all staff: oncologists, MacMillan nurses, nurses on the breast ward, radiotherapy centre and associated services such as X-ray, my GP, transport by ambulance or volunteer drivers, counselling, and appointment clerks.

So why is my experience so different from that reported? I believe it is because I am being treated in a rural area – Cumbria, with relatively small hospitals and clinics – not in a pressurised urban area where care is delivered via huge institutions. I don’t want a Big Society, I want a Small Society, where people – professionals and patients – can foster genuine relationships in a caring environment.

Let’s build on what’s good I will be retiring from the profession at the end of April after 42 years as a nurse . It has been my privilege to have worked with nurses who are committed and compassionate, putting patient care at the heart of their decision-making. Please let’s look at what’s good about the profession and build upon that, instead of assuming that we all need to develop a new “culture of compassion”.

Missing managers and cliques of self-serving staff

Some practitioners have all the qualifications anyone could ask for, but lack any empathy. Some are even vindictive, as I can attest. In the vast majority of my contact with hospitals, the person in charge is never seen and does not supervise in any way. The main observation I have, though, is that most of the poor staff exhibit massively childish behaviour. My question is why these people are ever offered training in the first place, as they have no ability to deal with themselves let alone vulnerable patients. They form nasty, gossipy little self-serving cliques, and woe betide anyone who tries to enforce professional standards. I observe that hospital managers are paid handsomely. What for?

A missed opportunity Christina Patterson’s excellent series highlights the disaster of the abolition of State Enrolled Nurses. The NHS now relies on thousands of healthcare assistants to care for NHS patients under registered nurse supervision.

Many healthcare assistants do a great job but there is no uniform training. A healthcare assistant dismissed for poor standards in an NHS hospital one day, can turn up working in a private nursing home the next.

In the Lords, in debate on the Health and Social Care Bill, Labour Peers strongly supported the statutory regulation of healthcare assistants. This was voted down by Coalition Peers. A great pity and a real missed opportunity to boost standards.

Lord Philip Hunt

Shadow Deputy Leader, House of Lords

Care and practical skills must count for more than NVQs As a recently retired Charge Nurse, and having worked in the caring profession since the 1970s, I believe I can offer a perspective on the “crisis in British nursing” today.

When applying for a position within this field, I was able to say that I wanted the job because I enjoyed working with others, and actually wanted to help people, see their situations, and improve their recovery. More recently, individuals with career aspirations in the nursing sector are encouraged to place emphasis on the NVQ’s or diplomas that they have, since managers and senior staff are primarily interested in what career paths the interviewee is pursuing.

I used to be an “enrolled nurse”, known in the profession as “the practical nurse”. Sadly, it seems that such skills are no longer valued in nursing. The culture needs to change again.

Atomised care is a disaster Christina Patterson’s series of articles this week illuminate a vital aspect of healthcare but it is a mistake to view healthcare and its problems in this compartmentalised way.

Healthcare is, or should be, an intimate commingling of disciplines and not an incoherent assemblage of entities, structures and processes. Atomised private healthcare is the perfect image of a disaster – clinically, practically, financially and ethically.

Unless and until we have a government truly committed to the welfare of the patients, the decline will continue. This excludes all three conventional parties who are united in their ambition to destroy the NHS.

“A lot of nurses are scared to think outside the box”

“Nurses do care. When the press is constantly having a go, it does knock your spirits; everybody gets tarred with the same brush. I’ve seen bad care, but give a fair hearing to the remarkable things that are going on around the country. Knocking the NHS won’t make it better. I’ve come across a lot of nurses who were scared to think outside the box. They were worried that if they did something off the wall, someone would clamp down on them. We need to get nurses fired up, get them to connect with patients more closely and thank them when they do a good job.”

Jill Fraser, a nurse of 30 years and co-founder of Kissing It Better, a charity that aims to improve patient care

And, from the many comments posted at independent.co.uk and on Twitter:

@witchynicky: As a nurse who trained in the 1980s I weep for my profession. Yes, there was much that was overly formal and task-orientated but we took pride in our work. I worked hard and I loved my work. As a patient six years ago, the nurses were cold and uncaring.

Robert: As a junior doctor working across a number of busy general and specialist medical wards I have been struck by the sheer volume of paperwork which nurses are obliged to complete in order to ensure their ward meets its CQC (Care Quality Commission) targets. Which seems to be a bizarre way to improve care.

Musabah67: I am a highly qualified nurse who has worked both in public and private hospitals and I was shocked by the poor standard of care when I was suddenly admitted into my local NHS hospital. The experience described in this article is similar to the one I endured and my life was only saved by the fact that I was a nurse and I knew exactly what to do.

@MariannaNodale: The point is that for one dodgy nurse, there are also 10 brilliant ones on the ward who are impeccable in their care, are sympathetic of patients needs, have an eye for detail and don’t make any mistakes. Yet the 10 good apples don’t negate the bad one.

@ajgaskin: Patients are only too often ready to complain but fail to acknowledge the good treatment they have received.

Martin West: I have had two operations for cancer in the last year, at different hospitals in the UK. In the first, the nurses were surprisingly brusque, unfriendly and, at times, bullies – to an extent that shocked me. In the second, they were warm, kind, compassionate and friendly, and I left feeling genuinely cared for. Two hospitals, same NHS.

Special report: A crisis in nursing





11/09/2017

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

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Self Assessment tax returns

2. Who must send a tax return

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

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

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

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

If you’ve been told to send a return

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

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

Claiming tax relief

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

Registering for Self Assessment

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

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

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    09/09/2017

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  • Best Canada Tips, Things to Do and Travel Guide #indonesia #travel

    #canada travels
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    Canada Travel Guide

    http://www.virtualtourist.com/travel/North_America/Canada/Province_of_Ontario/TravelGuide-Province_of_Ontario.html

    Province of British Columbia

    http://www.virtualtourist.com/travel/North_America/Canada/Province_of_Quebec/TravelGuide-Province_of_Quebec.html

    Province of Alberta

    http://www.virtualtourist.com/travel/North_America/Canada/Province_of_Alberta/TravelGuide-Province_of_Alberta.html

    Province of Nova Scotia

    http://www.virtualtourist.com/travel/North_America/Canada/Province_of_Nova_Scotia/TravelGuide-Province_of_Nova_Scotia.html

    Province of Manitoba

    http://www.virtualtourist.com/travel/North_America/Canada/Province_of_Manitoba/TravelGuide-Province_of_Manitoba.html

    Province of Newfoundland and Labrador

    http://www.virtualtourist.com/travel/North_America/Canada/Province_of_Newfoundland_and_Labrador/TravelGuide-Province_of_Newfoundland_and_Labrador.html

    Province of New Brunswick

    http://www.virtualtourist.com/travel/North_America/Canada/Province_of_New_Brunswick/TravelGuide-Province_of_New_Brunswick.html

    Province of Saskatchewan

    09/09/2017

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    118 Travel – do not use – ****avoid**** – Marrakech Message

    #118 travel
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    118 Travel – do not use – ****avoid****

    Bimingham

    04 March 2014, 16:37

    I was looking for a holiday to Marrakech and the holiday package was not available from my usual Agent and found the holiday via Travel Supermarket’s ‘approved’ travel firm 118 Travel.

    In hindsight I now regret making the booking. It has been more trouble than I can take and the stress has been overwhelming. I am usually not this thoughtless when I book my holidays.

    I phoned to speak with Sales (Andy) on Tel: 0207 741 1281 who took my booking. After the sale went through, he gave me another number Tel: 0207 741 1291 for any sales queries.

    During the sale, Andy was rather pushy, knew his stuff. He did sell me some extras and against my better judgment, I took him up on the offers (e.g. room upgrade, Hammam, aqua park), on top of the extra baggage and transfers that were also not included in the original price.

    118 Travel seemed okay from what I was looking at on their website and I saw their ATOL and ABTA references and they both checked out to be genuine in connection with other firms too

    It was after I made the booking that I was excited and wanted to look more at the holiday I bought when I then stumbled across LOADS of bad stuff about 118 Travel, about their rude staff and the impossible nature to speak to anyone, the corrections to their documents and flights not leaving etc. This made me think that I bought a bogus holiday. It was too late to phone last night, but I did manage to speak to them today.

    Yes, the staff are rude and very cagy about giving me information about MY holiday booking. This made me more frightened that I bought a dodgy deal and was very distressed that I had spent a lot of money. When they did eventually give me SOME details about the holiday, they also quoted me a much low price than what I had paid for and the payment transfer was authorized, so again I was worried. Obviously I couldn’t cancel this and I even asked my bank, but they said “no”, as I guessed they would.

    I phoned Thomson Fly who did have the booking on file and I even spoke to the hotel who agreed the booking too, but that was before I even got to speak with Andy. My room upgrade was not provided to the hotel either, so that is worrying too. It was a stressful day having to sort this out and when I eventually got through, Andy said that he was in a rush to complete the documents and then reissued them.

    It was after all this rigmarole that I realized too that this was not a package deal, only separate elements married together and with no travel rep too.

    Having gone through this hassle, sleepless night, I really hope that this holiday is genuine and that all my documents are fine and I have a great holiday.

    In future, I shall book through Thomas Cook or Thomson direct, as they offer great level of customer service and although I have nothing against foreign speaking people (hence going on holiday), the call centre I phoned was I believe based in India, where the payment was processed too, which made me more nervous about the genuine nature of my holiday, together with how cagy they were being.

    Lesson learnt. Should’ve gone elsewhere. I ll report back if and when I go on holiday to let you know the experience I had.

    07/09/2017

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    9 Ways To Travel The World For Free (Or Even Get

    #travelling the world
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    9 Ways To Travel The World For Free (Or Even Get Paid To Do It!)

    When I turned 18, I decided to move out of my parents’ home. I wanted to see the world, but I had no money at all. How could I travel the world when I was totally broke? But I also believe our dreams can come true when we set ourselves up for success. I found ways to move around despite my lack of money. I hope I can open your horizons a bit and inspire you to find creative ways of getting paid to travel, or at least to cover some (if not all) of your travel expenses.

    Work As An Au-pair

    An au-pair (literally meaning an extra pair of hands) is usually a young foreign person between 18 and 30 years old, who wants to travel the world, learn a new language, experience a new culture, and live new adventures. In exchange for that, they offer a maximum of 25 to 30 hours of help to a local family who provides food and accommodation, plus pocket money. The au-pair lives with a local family, usually helps with the children, and should be considered a member of the family and treated respectfully.

    When searching for a host family, make sure you are like-minded and have a lot of things in common. That s the key to a great experience. Some families will offer some perks, like your airfare, a language course, a monthly transportation pass, etc. Check which family offers you the best perks, but always keeping in mind that compatibility, similar ethics and lifestyle is way more important than any “perk.”

    I´m now in Switzerland, doing a very short au-pair program. I have a wonderful host family, great children and I´m very glad I had this chance to live in Zurich, while experiencing the culture through the eyes of a local family.

    Work At Summer Camps Across the United States

    Summer camps can be a great opportunity for you to travel to the States and have all your expenses met. Every summer, hundreds of American summer camps fill up with children wanting to have a great time. You can travel to another state if you want a new experience as a camp counselor, and some of the camps also hire young foreigners who want to have a taste of America and meet people from all walks of life in exchange for daily activities with kids. You won t make a fortune and you might not be able to save much, but you ll be paid and have zero expenses.

    After the summer camps are over, you have the opportunity to travel all over the United States with the money you made. You ll probably team up with other people you ve met at the camp so you won t be on your own.

    Teach English

    This is probably the most profitable work/travel opportunity out there. If you re a native speaker, you can just take a short online course or even find countries which won t require any certificate.

    If English is not your native language, you can still do it, but you should have decent English skills. Having actually completed an ESL course is a plus as well.

    Work on a Cruise Line

    This is hard work and you ll be living with the people you work with, which is not always easy — especially if you don t like or don t get along with someone. But it s a great opportunity to travel and making good money at the same time. Your ability to have time off when the ship arrives at a certain port depends on your type of job and duties. If you re in the cleaning department, you might have to work, but if you re working with other departments like entertainment, massage, hairdresser, etc, you might have time off.

    Every year many cruise lines around the world recruit people from all walks of life. If you want to sail across the world, get a CV ready and check for hiring dates. A quick Google search should tell you which cruise lines fit you better, which routes you d like to do, and who s recruiting. There are also forums where you can ask questions to people who work or have worked aboard cruises.

    Work as a Tour Guide

    Are you extrovert, communicative, and have patience to deal with people all day long?

    I believe being a tour guide or tour leader can be one of the best ways of exploring the world, get paid, and have no expenses. You might get to experience things you wouldn t otherwise. You ll meet people from all over the world and live a wonderful adventure. Some tour companies specialize in adventure travel, budget travel, spring break adventures. you ll find something that relates to you if you search for it. Contracts usually last for a year or more, so you ll have to be very available with no attachments, no pets, no and no significant other (unless you don t want to see them more than once a year!). This is easy for the early 20s, but more complicated for the older folks. I think it s a chance you could grab if you re totally free.

    Get A Temporary Agriculture Job

    I ve picked up grapes in France for 3 weeks and then had money to travel for a year — on a super low budget, not luxury traveling for sure! Usually, the money is great and the work is temporary. You ll meet other people from all over the world, mainly travelers who are also gathering some cash together. You usually get a free place to stay and some wine for your efforts. Everyone I know and who did grape picking in France said the job was super easy, relaxed and fun. Australia and New Zealand usually welcome farm workers as well.

    Workaway

    You won t be paid as a workawayer, but you should have all expenses covered, while volunteering. The Workaway website is a work/exchange volunteer type of program, with projects all over the world. I love the workaway concept of making your way around the world by volunteering and giving back to the community, while having the expenses paid and getting to know a new culture in depth. Workaway is perfect for people who want to stay a long time in a certain place for free or as a chance to learn a new language.

    Couchsurfing And BlaBlaCar

    I ve met the most amazing people through the Couchsurfing community. People are usually very open-minded and generous. If you want to travel around and have a free place to sleep, this is the best option! Remember that hosts’ homes are not a free hotel, so treat them and their space with respect, offer to cook for them, and always keep in mind you re being welcomed by a very generous person who hosted you out of kindness.

    If you want to connect with local people, hang out, make new friends, find company to do activities, check out the events page at the Couchsurfing website. There s always something going on!

    If you have a car or a van and enjoy traveling by road, using BlaBlaCar or some other type of carpooling website will meet all of your travel expenses. On these carpooling/ride share websites, people share expenses and travel by land. You have to all be heading in the same general direction, but if you take a couple of people, you re probably be able to cover 100% of the fuel costs. This is a win-win situation for all: carpoolers will have the convenience of going by car and not having to drive, and you’ll have your gas money covered. (Don’t have a car? Check it out anyway for a few outstanding cheap rides; you ll save an incredible amount of money. Oftentimes, there are free rides because some people get really bored traveling long distances alone and are happy to just have company to chat while they’re driving.)

    Making Sure Your Food Expenses Are Covered

    I didn t buy basically any food during those overland trips. I had no cash for that, so what did I do?

    Most bakeries, pizza shops, and restaurants throw away ALL the fresh food they didn t sell during that day. So I took advantage of that. When I traveled around Italy, I ate pizza nonstop: they were free and healthy, and filled with veggies and good quality ingredients. In the evening, before the bakeries or pizzerias closed, I d ask if they had any food they were about to throw away. I usually got more food than I could even carry, leaving me with dinner, breakfast and lunch for next day.

    People can be extremely generous and they have nothing to lose by offering the food. Be aware this WON T work with big chains, just small family businesses!

    I also asked around in the markets. I remember in Venezia, I got so many fresh tomatoes that I had daily delicious sandwiches. I got lots of free fruits as well. In France, I got lots of veggie burgers and other 100% organic/bio products from health food stores. They gave me excellent products that were about to expire in a couple of days. Most market vendors will give you free vegetables and fruit, sometimes more than you can carry! If you have access to a kitchen, you can eat extremely well without spending a cent.

    07/09/2017

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    Do Discount Travel Booking Sites Really Save You Money? #jordan #travel

    #travel booking sites
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    Do Discount Travel Booking Sites Really Save You Money?

    Feb 27, 2015 | Updated Apr 29, 2015

    U.S. News Travel U.S. News World Report Travel

    Thanks to our social media feeds, Netflix queues, Amazon accounts and Google search results, we’ve come to expect our online search results to cater specifically to our interests and needs — including when it comes to travel.

    Whenever we enter an online travel search, it’s our assumption that these deals are made just for us and that they’re the best available, but that may not always be the case. According to “Measuring Price Discrimination and Steering on E-commerce Web Sites ,” a study published by Northeastern University in November 2014, numerous travel booking search engines are guilty of price discrimination or price steering. The study looks at hotel and rental car searches across six popular travel booking sites (CheapTickets, Orbitz, Expedia, Hotels.com, Priceline and Travelocity), and is the first of its kind to compare results between real user accounts and synthetically generated ones.

    Price discrimination (as defined by the study) is an industry term that means prices vary user to user, while price steering refers to the order in which search results appear. These factors can sometimes work to your advantage, depending on how they’re implemented. It’s great if you’re driven toward the best deal, but it’s not so beneficial if you’re unknowingly pushed toward higher prices. Even though some of these practices may seem shifty, they aren’t illegal in the United States.

    “Most of the time people love this stuff. We love to bargain hunt, we love coupons,” said Christo Wilson, one of the study’s authors. “The difference between the real world and online is the transparency issue. People feel cheated if they don’t know that they’re seeing altered results.”

    Here are a few takeaways from the study that can help you secure a deal without wondering if there’s a better bargain out there.

    Simply sign up The authors behind the study noted that price discrimination and price steering aren’t necessarily bad things, what matters is whether sites are transparent about what users are getting, which can be difficult to detect on e-commerce sites.

    For example, the study found that CheapTickets and Orbitz presented reduced prices on hotels to “members” who are logged into their respective accounts at the time of their search, thereby using price discrimination. Orbitz Worldwide, which owns and operates the two sites, said it marks members-only prices and acknowledged that they offer lower prices to those who have accounts on their websites. So, it pays to sign up for an account with these websites and to sign in to your account when searching for deals.

    Use your phone The study also found that Travelocity (and the retailer Home Depot) personalizes results for mobile users, specifically those using iOS devices. Users who search with Safari on their iPhones received different hotels in a slightly different order than consumers using Chrome for Android and other desktop browsers.

    Overall, hotel prices were listed at about $15 (or 5 percent) lower on iOS devices than other mobile operating systems and desktop browsers, providing proof of price discrimination, where a certain group receives lower prices.

    “Online travel retailers have publicly stated that mobile users are a high-growth customer segment, which may explain why Travelocity offers price incentives to iOS devices,” the study states.

    Clear your cookies, or don’t While the study doesn’t call out Priceline for price steering or discriminating, the study’s findings show that the discount booking site personalizes search results based on the account history of users.

    The study states: “Users who clicked on or reserved low-price hotel rooms receive slightly different results in a much different order, compared to users who click on nothing, or click/reserve expensive hotel rooms.”

    Since users are tied to their IP address and booking history on individual sites, travel search engines like Priceline can customize results to show the properties that an individual is more likely to look for, and subsequently book.

    Overall, the authors of the study concede that there’s no foolproof method to ensuring you get the best price. “The companies know a lot about you and we know very little about the companies. If you’re an ordinary person on the website, you have no idea why you’re seeing certain prices,” said Wilson. “Depending on algorithms, it’s very hard to get out of them.”

    05/09/2017

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    Henna Art #henna, #art, #edmonton, #alberta, #canada, #henna #tattoo, #how #to

    #

    OUR EDMONTON LOCATION IS CLOSING. LAST DAY TO PICK UP ORDERS IS JUNE 14TH.

    ABOUT US

    Henna Art, located in Edmonton, Alberta, Canada, is a professional company devoted to providing you a truly unique and creative experience! We take pride in our artists and the ancient art of henna, also known as mehndi. We only use the best quality fresh ingredients to give you the best stain. Our henna powders and natural hair care products are imported directly from India, Pakistan and Morocco. Using our fresh ingredients, we always create safe and natural henna paste, and offer natural henna products for all of our clients. We provide superior services to our clients and promise an amazing henna experience! Whether you are having a party, or want to learn henna–from consultations to bridal henna applications, we promise you a true henna experience!

    Henna is also known as the art of mehndi or mehndhi. We are passionate about the art of henna and practice unique styles that display elegance and sheer beauty. Our innovative style blends tradition and modernity. We provide you with our modern and fun glitter and stone accents, which are popular at parties and look gorgeous with bridal henna. Using only the best quality, and fresh henna powders from India, Pakistan and Morocco, we create our henna paste using our special blend of quality essential oils. Since we love what we do, we always put positive energy and love with our services and products.

    Our professional approach to the art of henna/mehndi makes us an excellent choice for your events! Currently serving the Edmonton area, our artists are accomplished in traditional methods, as well as modern application techniques, and glitter and stone accents.

    In addition to our wide range of services, we express the tradition and splendor of henna in individually crafted pieces, do-it-yourself kits, and application products, perfect for anyone! Packed with positive energy and attention to detail, all of our products are guaranteed fresh! We only use natural ingredients, so you can be sure to have a safe and fun henna experience!

    Our vision is to provide you with superior services and an EXCEPTIONAL experience! The ancient art of henna is a natural and safe alternative to temporary tattoos, natural hair care, healthy hair, and modern body art. While the origins of henna body art are unknown, it is practiced in India, Pakistan, Morocco, and other areas of Southeast Asia, and the Middle East. The art of henna passes all borders and is a celebrated form of art that thrives today!

    Enjoy your true henna experience at a private party, corporate events, classes, bridal henna, workshops or sessions in the Edmonton, and surrounding area. Or shop our exclusive line of products, prepared in Edmonton, Alberta, Canada, and shipped WORLDWIDE.





    01/09/2017

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    Booking Flights In Advance: Do You Really Save Money? #cheap #flights

    #book airline flights
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    Booking Flights In Advance:

    Page 1 of 2

    For many years, nerds the world over have been trying to dig up trends in airline pricing data. Of course, airline companies, being smart behemoths with lots of money, have their own herds of nerds who spend their time figuring out how to maximize revenues through ticket pricing strategies. Unfortunately for us, this statistical nerd battle means that the trends that can be extrapolated are few and far between, as the airlines deliberately avoid certain trends so they can sell the most tickets for the maximum price. The doubt that exists as to whether you ll get a cheaper ticket is partly engineered to encourage you to buy as soon as you know you want to make a trip (pantomime hissing and booing is appropriate at this stage).

    Recent research has revealed more about the pricing strategies of the airlines, most of which change their ticket prices a number of times a day. It becomes apparent that a change in ticket-hunting strategy is, therefore, also necessary (and that those blog posts on booking at midnight are rubbish). Here s your guide to when it usually is cheaper to book in advance, and when it most certainly isn t.

    when it s cheaper

    Midweek, out of season

    The clich is true midweek flights are cheaper. A trip from Chicago to New York is presently 15% to 20% more expensive on days other than Tuesdays or Wednesdays. If you re flying high season, it might be worth booking in advance just to be able to get a midweek ticket, but also because the prices go up as demand goes up and planes get full.

    Two months before the flight

    There is no conclusive evidence that flights are cheaper if you book ages in advance. In fact, it s often not the case. But in a study of 12 months worth of data on the two busiest routes in the United States (Chicago-New York and Houston-Dallas) comparing the economy class pricing of six different airlines produced the cheapest prices two months before the flight. From here on, the prices started rising. In a paper for the Social Sciences Research Network, Professor Volodymir Bilotkach and others made the same finding for the international route from New York to London.

    31/08/2017

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    Best New Zealand Tips, Things to Do and Travel Guide #jabbar

    #new zealand travel
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    New Zealand Travel Guide

    Christchurch

    http://www.virtualtourist.com/travel/Australia_and_Oceania/New_Zealand/South_Island/Canterbury/Christchurch-1883860/TravelGuide-Christchurch.html

    Auckland

    http://www.virtualtourist.com/travel/Australia_and_Oceania/New_Zealand/North_Island/Auckland_Region/Auckland-1884091/TravelGuide-Auckland.html

    Milford Sound

    http://www.virtualtourist.com/travel/Australia_and_Oceania/New_Zealand/South_Island/Southland/Milford_Sound-2271904/TravelGuide-Milford_Sound.html

    Arthur’s Pass National Park

    Timaru

    http://www.virtualtourist.com/travel/Australia_and_Oceania/New_Zealand/South_Island/Canterbury/Timaru-1881474/TravelGuide-Timaru.html

    Tongariro National Park

    Greymouth

    http://www.virtualtourist.com/travel/Australia_and_Oceania/New_Zealand/South_Island/West_Coast/Greymouth-1884266/TravelGuide-Greymouth.html

    Mount Cook National Park

    Nelson

    http://www.virtualtourist.com/travel/Australia_and_Oceania/New_Zealand/South_Island/NelsonTasman/Nelson-1882601/TravelGuide-Nelson.html

    Abel Tasman National Park

    31/08/2017

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    Germany Travel – What to do in Germany #hotel #and #car

    #germany travel
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    Dresden Christmas Markets

    Striezelmarkt Dresden

    When tourists come to Germany, it is usually to one of the larger cities: Berlin for culture, Munich for Oktoberfest, and Hamburg for the delicious fish. Many people skip over the beautiful “Florence on the Elbe,” Dresden. Located about two hours by train south of Berlin, Dresden is a well-connected and beautiful city along the Elbe River. Many Americans will recall the name of this German city from Kurt Vonnegut’s Slaughterhouse Five, but the Germans know one of Dresden’s best kept tourist secrets: the beautiful medieval Christmas markets.

    Stollen at the Dresden Christmas Markets

    One of the most popular delicacies at the Dresden Christmas markets is stollen. This cake, originally made only from flour, yeast, oil, and water, is a Saxon delicacy that can now be found throughout the Dresden Christmas markets. Similar to the American fruitcake (but so much more delicious!), it is now made with anything from marzipan to dried fruits and nuts, and the oil has long since been replaced with butter to make the cakes moist and flavorful. There is a stollen festival during the Dresden Christmas markets every year, where a 3-4 ton piece of stollen is paraded through the town.

    Buying Gifts at the Dresden Christmas Markets

    Some of the most special Christmas gifts can be found at the Dresden Christmas markets. The markets are so large; there is something there for everyone on your Christmas list. German handmade crafts are one of the most popular choices. These can include anything from blown glass ornaments to hand knitted socks and gloves for the winter. At the Dresden Christmas markets especially, the Weinacht Pyramiden, beautiful hand crafted wooden pyramids that showcase different Christmas scenes, are one of the most traditional and beloved gift options.

    Weihnachts Pyramiden at the Dresden Christmas Markets

    Speaking of the Weihnachts Pyramiden, the largest pyramid in Germany can be found at the Dresden Christmas market’s Striezelmarkt. This 14m high wooden pyramid consists of lighted structures, wooden Christmas scenes, and a beautiful spinning fan at the top. It is especially lovely with the background of the Kreuzkirche, a baroque church in Dresden. Dresden’s restored architecture is not to be missed while you’re there—take a stroll around after visiting a Dresden Christmas market!

    Be sure to check out a food tour while you’re in Dresden as well—it’s a great opportunity to get to know a different side of the city.

    29/08/2017

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    How to Do Travel Agency Jobs at Home #london #travel

    #travel agency jobs
    #

    Things You’ll Need

    Find a home-based travel company that is right for you. Most of these at-home travel agencies are turn-key systems, which are basic and easy to use. For example, check out KHM Travel Group and America’s Vacation Center. These organizations offer support, guidance and an array of tips to succeed in your new business. You are usually working as an independent contractor, so you will have your own business name, letterhead and website address. You will also be taxed as an independent contractor.

    Invest in an at-home office. Set aside a space in your home that will be used as your office. Even if it it just a desk and laptop in the corner of your bedroom, keep the space organized and all your materials close by. You will need a computer, Internet access, telephone, fax machine and credit card.

    A good headset may be required for long conversations and hands-free access to your computer. You can purchase basic desk supplies, such as pens, pencils, notepads, paper clips, rubber bands and more, inexpensively from an office supply store.

    Use different aspects to market your website and services. Make business cards and flyers to advertise and network. Design a company logo, and make sure it is branded on all of your promotional materials such as magnets, pens and bookmarks. Pass out materials to anyone that may one day need to book a trip.

    Media can be a good way to advertise, with inexpensive ads on the Internet and in classified ads. Your local paper and CraigsList are good places to start your marketing ventures.

    Find a niche that works well for you. If you are an avid cyclist, specialize in worldwide cycling tours. If you are a beach bunny and spend all of your vacations looking for the perfect tan, exotic beach destinations could be your specialty.

    Also, market to your friends and family. Word of mouth referrals are very important and can be extremely easy.

    Keep your website is up to date and well maintained. Nothing says unprofessional like misspelled words and bad grammar. Keep your information current, and delete anything that is irrelevant.

    28/08/2017

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    How To Do London On $25 A Day #travel #now

    #london travel
    #

    How To Do London On $25 A Day

    Nov 20, 2015 | Updated Nov 23, 2015

    Saturday: Art and Major Sites

    One of the best things about the UK is that most museums are free. Start your Saturday in Holborn at the British Museum. admiring the collections along with the building’s impressive tessellated glass ceiling.

    From there, stroll down to Covent Garden: one of London’s most famed areas, though a tourist trap, is worth a wander. Walk through the Piazza, then around the web of Seven Dials (seven quaint shopping streets that connect at a small roundabout), and don’t miss Neal’s Yard–quite possibly the quaintest, most colorful courtyard in London.

    A short walk away in Aldwych, Lundenwic is the perfect lunch spot. It’s a trendy, minimalist all-day cafe, which serves fresh salads, gourmet toasties, and great coffee. The roasted broccoli, cheddar, almond, and chili toastie ($8) is sure to hit the spot, washed down with a pick-me-up espresso ($0.75).

    Feeling fueled, head at a leisurely pace down The Strand, taking note of the iconic Savoy Hotel as you go, before eventually arriving at Trafalgar Square. Walk down Pall Mall to Buckingham Palace, or hang a left to see Big Ben and Westminster Abbey up close.

    Walk along the Southbank to the Tate Modern. Spend a couple of hours admiring the exhibitions (it’s one of the best galleries in the country, whether you’re an art aficionado or not), before heading up to the cafe on level 6, where we suggest skipping the coffee but admiring the stunning city views from its terrace.

    Cross Millennium Bridge, admiring the quintessential London skyline views as you go, and on the other side, it’s the mighty St. Paul’s Cathedral.

    It’s time for dinner. Jump on the DLR to Canada Water, which plays host to Hawker House, the latest incarnation from Street Feast. an organization that can be credited with revolutionizing the London street food scene. Hawker House is a late-night indoor market in a converted warehouse, with 14 food traders and eight bars.

    Sunday: East London

    You’re spending Sunday in East London, in neighborhoods that have changed and diversified a lot in the last 10 years, with the arrival of craft coffee shops, hipster cafes, and designer fashion boutiques. There’s a buzz in the air, the crowd is young, and when you pick the right places, your money can go far.

    After a long lazy lie-in, drag yourself out of bed and head to Beigel Bake on Brick Lane–a real institution that, along with being a favorite among locals, draws crowds from far and wide who flock to it 24 hours a day for its impressively cheap bagels. Though its salt beef bagels are a common favorite, go for the equally delicious salmon and cream cheese combo, and you’ll get change from $5.

    After eating, walk down bustling Bethnal Green Road–lined with fruit and vegetable stalls and dazzling sari shops–to the V A Museum of Childhood. Don’t be fooled, this isn’t a museum just for children. It’s a nostalgic spot for adults, too, with all the favorite toys from your childhood on display.

    Back in Shoreditch, potter along Redchurch Street, the neighborhood’s chicest street, where you can window shop the likes of A.P.C, Sweaty Betty, and Aesop. Marvel at the wonderfully colorful fresh produce outside Albion Cafe, before popping into Labour Wait. a small but perfectly formed homewares boutique, full of heritage brands, luxury stationery, and en-vogue Falcon enamelware.

    It must be lunch time, and on Sunday, Brick Lane is buzzing with international food markets. Expect crowds. Take cash. Then choose from everything from dim sum, to curry, sushi, Lebanese, and Thai. You’ll get an overflowing plate and change from $10.

    Next, head to Columbia Road Flower Market, London’s favorite, where you’ll join the hoards squeezing through the stalls, handing over cash to heckling East End traders in return for giant, paper-wrapped blooms. No East London Sunday is complete without such a purchase–even if they are only spending a couple of nights in your hotel room.

    Later, perhaps after dropping your flowers at your hotel, and putting your feet up for a quick half hour, it’s time to eat. Get out Google Maps for directions and hop on a bus (from $2.30) to Exmouth Market, an atmospheric street that’s home pretty much entirely to restaurants. There’s all sorts, from seafood restaurants to Thai, and Turkish. Our favorite–and one of the cheapest–is Pizza Pilgrims. the newest addition to the street, but one with a big cult following. Oh, let the night be merry.

    By Alice Tate

    Also on HuffPost:

    Hilariously Indifferent Travel Reviews

    28/08/2017

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    Nepal Travel: Your Nepali Guide for Things to Do, Hotels, Dining,

    #nepal travel
    #

    Latest Articles

    We have listed some resources for locating missing family and friends in Nepal. Use this Facebook page to check whether your FB friends in the area have been listed as safe. https://www.facebook.com/safetycheck/nepalea. read more

    Located in the Chitwan District of Nepal, the Barandabhar Corridor Forest is a long, narrow strip of land, covering and an area of 87.9 square kilometers, and dividing the district into east and west. The forest is well watere. read more

    In a world where wildlife is increasingly under threat, Nepal is going to great lengths to protect the wildlife within its borders, and was recently the recipient of a CITES commendation in recognition of its efforts in combat. read more

    As the scavengers of nature, vultures play an important role in the ecology by cleaning up carcasses of dead animals. They are also culturally important to communities who carry out sky burial rituals in Nepal and Tibet. When. read more

    Nature lovers travel from all over the world to enjoy the natural beauty of Nepal. Some come to conquer one or more of Nepal’s famous mountain peaks, while others delight in the tranquility of trekking in unspoiled territory. read more

    The long-awaited Upper Karnali Hydro Power project was recently approved by the Investment Board of Nepal and the cabinet of the Government of Nepal, giving the go-ahead to the Bangalore-based GMR Group which was awarded the c. read more

    25/08/2017

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    Things to do in Miami, FL: Florida City Guide by 10Best

    #miami travel
    #

    Free Fun Is Totally Possible at These 10 Best Miami Spots

    More About Miami

    Sultry, seductive Miami, Florida entertains many identities: snowbird refuge, retiree haven, celebrity playground, immigrant stop-off and tourist mecca. All undeniably accurate, they’re telling descriptors of everything this dazzling city embraces. They’re also indicative of the melting-pot culture that has come to define South Florida, an area originally dismissed by developers. The region later found purpose as a resort destination and as farm land for Florida’s first settlers (or “Crackers”). These initial roles ultimately led to today’s Miami, a capital of travel, commerce and self-assertive flamboyance.

    But what else could you ask of a sub-tropical wonderland washed by brilliant light and kissed by enveloping seas? As recently as the early 20th century, America’s Riviera was largely a backwater. Its potential was finally brought to fruition by the arrival of the railroad, promise of a year-round growing season, and the emerging leisure class’s disposable income for vacationing in Miami. These days, easy access is a given, and agriculture flourishes. However, the city’s natural beauty and world-class Miami travel destinations most strongly render it a fashionable escape for fun and freedom.

    The primary locus for such hip activity is Miami Beach and, more specifically, South Beach (affectionately deemed SoBe). Artistic, self-aware and boasting some of Miami’s best vacation spots and hottest beaches, it’s an enclave that maintains its vibrancy no matter the moment, illuminated alternately by sunlight and neon. Here, Art Deco Miami landmarks tie past and present together with pastel sleekness while impossibly beautiful people lounge during the day and party late into the night.

    Still, Miami vacation spots and travel destinations are not all this area has to offer. Miami transcends the promoted glitz it’s gained from association with movies, TV shows and magazine spreads. It encompasses Coconut Grove’s residential beauty and superb shopping (CocoWalk and the Streets of Mayfair attract folks by droves) and Coral Gables’ winding streets, Mediterranean architecture and refined lifestyle. It even reaches out to the quiet, suburban domesticity of South Dade with its malls, parks and wildlife attractions.

    Miami travel guides note that it also shines as a beacon of accessible liberty for immigrants from throughout the Caribbean and South and Central America. Escaping poverty and lack of opportunity, they come with a dearth of material goods but an inextinguishable hope and an abiding heritage that manifests itself in food, music and community richness.

    Food and music, in fact, showcase Miami’s zest for all things sensual. Cool jazz, spirited salsa rhythms, and a cuisine that unites fresh seafood, tropical fruits and tongue-tingling flavors provide evidence of a people and a city mesmerized by and dedicated to the spices of life. Experience its many incarnations in the most sizzling Miami neighborhoods: Little Havana, SoBe or the Design District. Each one boasts top-notch clubs and superlative restaurants, energized by a style-conscious clientele, so you will never run out of things to do in Miami.

    Such range and so much possibility for both spirit and appetite ultimately impart to Miami a semblance of meaning that it neither needs nor demands. The city’s allure remains independent of attempts to quantify it, and regardless of the effort, satisfaction comes with just experiencing it. After all, when sympathetic climate and abundant care give rise to a strong, vivid hybrid, it’s not the parentage that draws attention but simply the beauty of the flower.

    24/08/2017

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    Things to do in Cancun #travel #cheap #flights

    #cancun travel
    #

    Cancun

    Things to do in Cancun

    You will never run out of things to do during your Cancun vacation! Check out these pages for ideas and help with planning your itinerary for a fun-filled Cancun vacation of a lifetime. You can enjoy a wide range of watersports, rise to the challenge on our championship golf courses, take the family to one of our world renowned eco-parks, or just lie back and be pampered at one of our luxurious spas. For those of you looking to tie the knot in this romantic location and are planning the ultimate Cancun wedding you need look no further. As Cancun’s only official website, www.cancun.travel is here to provide you with all the information you need to plan the perfect Cancun vacation with things to do for every day of the week if you so wish. Use our Trip Planner to make sure you take your itinerary and contact details with you.

    Cancun watersports will delight even the most avid watersports enthusiast. Cancun watersports offer some of the best scuba diving, snorkeling and sportfishing in the world! You can even charter your own sailboat with crew and equipment for an adventurous day out on the open sea or a romantic sunset cruise!

    For the most exhilarating adventure tours in Cancun, look no further. Cancun adventure tours are suitable for all the family. You can enjoy some of the longest zip lines in Latin America, go mountain biking, drive through the jungle in open top jeeps and swim in cenotes. Cancun adventure tours can be tailor-made to be as challenging as you choose.

    Cancun’s Mayan Culture is its crowning glory. The aura of mystery and majesty still lingers around the Mayan archaeological sites such as Chichen Itza, Tulum and Coba to mention but a few. These are all within easy reach of Cancun by bus, or car or on one of the many tours.

    Cancun restaurants offer such a varied choice of cuisine, with everything from downtown traditional Mexican restaurants to ultra-chic restaurants dotted alongside the Nichupte lagoon. You will find something to suit all tastes and budgets, and get fantastic service with a smile wherever you go.

    Cancun nightlife is the main attraction for many of our visitors on a Cancun vacation. The Hotel Zone boasts some of the best nightclubs in the world playing everything from salsa to disco to R B and live music venues. You will find something to suit all ages and tastes.

    Shop ‘til you drop in the super Cancun shopping malls! You can choose anything from the Mercado 28 – a handicrafts market – to the ultra modern shopping mall Plaza Las Americas or Luxury Avenue filled with designer stores.

    Your Cancun wedding will surely be a one of a kind celebration in one of the most romantic locations in the world. Turquoise waters and powdery white sand together with year-round sunshine will make for an unbeatable venue for your special day.

    Cancun is one of the premier spa destinations in the world with a choice of more than thirty Cancun spa resorts awaiting you to transport your mind, body and spirit to a nirvana of pure bliss.

    Cancun championship golf courses are every golfers dream! Aside from the fact that they are located in the some most beautiful natural settings imaginable, the golf courses in Cancun and Riviera Maya meet the highest standards set by professional golf tournaments and expert golfers.

    Puerto Morelos is a friendly, laid-back fishing village located only 35km from Cancun. You will be seduced by the bohemian, tranquil atmosphere and natural beauty and charm which transport you a million miles away from the glitz and glamour of Cancun.

    There are so many things to do in Cancun, that a vacation here truly offers something for everyone!

    21/08/2017

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    Welcome to GSA eLibrary #how #do #phone #contracts #work

    #

    Welcome! GSA eLibrary is your one source for the latest GSA contract award information. GSA offers unparalleled acquisition solutions to meet today’s acquisition challenges. GSA’s key goal is to deliver excellent acquisition services that provide best value, in terms of cost, quality and service, for federal agencies and taxpayers.

    GSA offers a wide range of acquisition services and solutions utilizing a variety of tools, contract vehicles, and services to meet the customer’s specific needs including Multiple Award Schedules, Governmentwide Acquisition Contracts, Technology Contracts, and Assisted Acquisition Services. For more information on what GSA has to offer,visit GSA.gov.

    enter Keywords, Contract Number, Contractor/Mfr Name,Schedule/SIN/GWAC Number,NAICS

    Hurricane Response Supplies & Services

    Announcing the new Human Capital and Training Solutions (HCaTS) Program contracts. HCaTS provide reliable, flexible, fast and efficient ways to obtain best value customized solutions for human capital management and training requirements. Additional information can be found on the HCaTS webpage

    GSA eBuy is an easy-to-use electronic Request for Quotation (RFQ) system designed to facilitate the request for submission of quotations.

    With eBuy, getting quotes is just a click away!





    12/08/2017

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    Mortgage Prequalification Calculator: Do you Prequalify For Mortgage? #mortgage #prequalification #calculator,

    #

    Prequalification Calculator

    User Rating. ( 449 votes, average: 2.63 out of 5 )

    Want to prequalify for a mortgage? Our mortgage pre-qualification calculator shows how lenders see you. See how much you can afford based on yearly income, debts other factors. Our mortgage pre-qualification calculator will indicate how much you can borrow with a home loan by analyzing your income, assets, and current mortgage interest rates available to you.

    How to use the Prequalification calculator

    Enter Your Financial Information

    • Gross Monthly Pay: Your household income before taxes and deductions.
    • Loan Term: The number of years you’ll have to repay your mortgage.
    • Annual Percentage Rate (APR): Enter the estimated mortgage interest rate (see a list of current mortgage interest rates ).
    • Local Property Tax Rate: You can obtain this information from the local property tax collector’s office or website. Enter the percentage rate (not the dollar amount) in the calculator.
    • Money Available for Down Payment and Closing Costs: The amount of cash you have to pay toward these expenses.
    • Other Monthly Obligations: Include recurring installment payments, including credit cards, auto payments, personal and education loans.

    Click the “calculate” button, and check the results.

    30 Yr. Fixed – Purchase Rates from Our Lenders in California

    Home Purchase or Refinance: Can You Prequalify?

    • Home Value / Purchase Price: The maximum amount you prequalify for, based on the information provided.
    • Total Cash Paid at Closing: The amount you’re contributing for closing costs and a down payment.
    • Cash Applied to Closing Costs: An estimate of closing costs.
    • Cash Applied to Down Payment: What’s left of your cash contribution is used for a down payment.

    Monthly Housing Expenses

    • Mortgage Payment: The amount of the principal and interest payment based on the amount you qualify to borrow and the interest rate you’ve entered.
    • Property Taxes: The estimated monthly amount of property taxes. If you’re putting less than 20% down, this amount will be added to your mortgage payment.
    • Mortgage Insurance: A down payment of less than 20% of the purchase price will require mortgage insurance, which will be added to your mortgage payment.
    • Hazard Insurance: As with taxes and mortgage insurance, this will be added to your mortgage payment if you borrow more than 80% of your home’s purchase price.
    • Total Housing Expense: This amount generally shouldn’t exceed 28% of your gross income if you want to prequalify.
    • Other Monthly Expenses: The amount you entered for other monthly payment obligations.
    • Total Monthly Expenses: The sum of your total monthly housing payment and other monthly expenses. It generally exceed 36% of your gross monthly income for pre-qualification purposes.

    These figures are guidelines. Those with spotless credit, lots of assets, or a very stable job history might qualify for more financing. Conversely, those with credit problems or minimal assets may qualify for less. We recommend that you speak directly with lenders to determine what is right for your situation. You can request up to four free quotes from competing lenders here, with no cost and absolutely no obligation to you.

    You can also compare savings on loan terms, rates and amounts using the amortization calculator. and determine potential benefits of refinancing using the refinance calculator

    38 Responses to “Prequalification Calculator”

    1. Taylor 22, Sep, 2012

    Nice. It says up to $70,000 for a mortgage loan. I’m a first time home buyer and that’s exactly what I’m looking for. $529 for total monthly expense with mortage insurance and hazard insurance for my low 4% down payment. But did not expect $2000 in closing costs. Thanks

    Thanks for this tool

    I have no mortgage on my property. I’m interested in getting a cash-out refinance or a home equity loan, and I’d like to know how much money will I be able to borrow, will the calculator work for that purpose, or do they have a different standard? Thanks

    Excellent tool and excellent responses to the other “tools” below! Thanks so much for making this available and for your thorough responses to questions!

    Okay, um the calculator says i can afford a $3,695,000 home. I entered $100,000 for annual income. How much more inacurate can this stupid thing be? – – EDITOR’S COMMENT – – _ The calculations are fine. You made a simple mistake by entering $100,000 when you should have entered $8,333 as your income. (The calculator asks for “monthly” income, not “annual” income.) I can re-create your results if I put $100,000 in monthly income, $10,000 in closing costs, and $0 in monthly expenses. Maybe you don’t have any credit cards, auto loans, bank loans, student loans or anything like that, but if you do, you need to enter all monthly financial obligations that you’ll be making payments on, in order to achieve accurate results. You can leave out irregular expenses like groceries, gas, utilities and other standard living expenses, and you can leave out any expenses that will be going away as soon as you start your new mortgage (such as rent on an apartment). But other than those types of things, lenders will factor in all your ongoing financial obligations into your prequalification calculations, so remember to include those. Please try your calculations again. I’m sure you will find that it will work well for you!

    Hmmmmmm. I just did this for a kick because we received our actual prequalification letter today. This calculator pre-qualified us for $130,000 LESS than our actual prequalification and for a payment that is almost $200 below what we are currently paying for rent. Not very accurate. – – – – EDITOR’S COMMENT: Actually, the calculator is accurate, but there’s no law that says a given lender has to stick to the industry standard when deciding how much to lend you. Your lender is allowing you to stretch yourself thinner than most other lenders would feel comfortable with. Perhaps you have savings or other assets that could be converted into cash if you get into trouble, and this has raised your lender’s confidence in your ability to repay. Or perhaps you’re about to finish up a degree that will increase your employability significantly. Something has convinced the lender to lend you $130,000 more than would normally be practical. As to your other observation, the reason the calculator produced a lower payment is, of course, if you were to borrow $130,000 less, your monthly payment would be considerably lower that what your lender quoted you. Let me end with a note of friendly, cautionary advice. Borrowing as much as you possibly can is not the only path forward. If you can be happy while living below your means (finding a way to enjoy life while keeping your living expenses lower than average for your income), you will be less likely to find yourself plagued by future financial worries, you’ll be able to pay cash for items you would othewise find yourself financing (such as furniture, vacations and automobiles), you’ll be able to save more for emergencies, and you’ll be in a better position to plan for a more enjoyable retirement. Please forgive me if I am being forward in saying this. It’s just something to consider – some solid advice from my father to me, and now to you.

    My wife and I would like to buy investment rental property. – – – EDITOR’S REPLY: We at Calculators4Mortgages wish you well with your investment goals. Exploring the purchase of rental property as a valuable element of your investment strategy is a good idea. While we would like to be of assistance, this site is currently geared toward people who are purchasing a home to serve as their primary residence. We would like to expand into real estate investment calculators at some point, but we have no immediate plans to do so.

    Leave a Comment

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    06/08/2017

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    Medical Biller Salary #what #do #medical #billers #and #coders #do

    #

    Medical Biller Salary

    Job Description for Medical Biller

    Medical billers are responsible for the billing and collection of medical debts. They work in an administrative capacity to ensure that patients are billed swiftly, accurately and with as much clarity as possible. Every time a patient receives medical attention, the appropriate payments are tallied up by the biller and issued in the appropriate format (by mail, online, or a combination of both). It’s very important for medical billers to be able to understand the varying complexities of medical billing; this extends to different types of insurance plans, government assisted programs (Medicaid, Medicare, etc.), and how other discounts are applied to different groups of people. A strong understanding in this field will ensure that the billing is accurate, and easily fixed in the event of an error.

    Medical billers work in the administrative department of a hospital, or in some cases, a separate building dedicated to the clerical jobs of the hospital. Many hospitals prefer to have billers working on the premises as it allows for easier internal communication over logistical problems that do/can occur daily. Medical biller should be able to show strong interpersonal skills with patients and with other members of staff as this type of position frequently requires patience and an ability to work through systematic problems. They can also expect to work with a range of people who deal with running a hospital–from project managers to customer support staff.

    Employers will look for applicants who have passed the CMRS exam. This is an exam awarded by the American Medical Billing Association that helps potential billers equip themselves with a qualification designed specifically to showcase an ability in the field. Additionally, it’s highly desirable for applicants to possess strong logistical skills, along with industry standard computer software literacy and a firm understanding of medical legality.

    As hospitals are open 24 hours a day, 7 days a week, some may find that certain roles at a hospital will require flexible working hours. However, as this is a clerical position, it’s still somewhat normal for a medical biller to work during usual business hours.

    Medical Biller Tasks

    • Verify accuracy of billing data and revise any errors.
    • Review and retain medical records in order to compute fees and charges due.
    • Prepare bills or invoices, and record amount due for medical procedures and services.
    • Contact patients in order to obtain or relay account information.

    Common Career Paths for Medical Biller

    This chart shows the most popular skills for this job and what effect each skill has on pay.

    Survey respondents exploit a significant toolbox of skills in their work. Most notably, skills in bill collections, Accounts Receivable, Medicare, and Medical Coding are correlated to pay that is above average. Most people skilled in Insurance are similarly competent in Medicaid & Medicare Billing and Accounts Receivable. Most people skilled in Billing are similarly competent in Accounts Receivable and Medicaid & Medicare Billing.

    Pay by Experience Level for Medical Biller

    Pay by Experience for a Medical Biller has a positive trend. An entry-level Medical Biller with less than 5 years of experience can expect to earn an average total compensation of $30,000 based on 1,863 salaries provided by anonymous users. Average total compensation includes tips, bonus, and overtime pay. A Medical Biller with mid-career experience which includes employees with 5 to 10 years of experience can expect to earn an average total compensation of $34,000 based on 1,090 salaries. An experienced Medical Biller which includes employees with 10 to 20 years of experience can expect to earn an average total compensation of $36,000 based on 1,065 salaries. A Medical Biller with late-career experience which includes employees with greater than 20 years of experience can expect to earn an average total compensation of $38,000 based on 425 salaries.

    Pay Difference by Location

    For those looking to make money, Medical Billers in Houston enjoy an exceptional pay rate, 11 percent above the national average. Medical Billers can also look forward to large paychecks in cities like Sacramento (+10 percent), Las Vegas (+9 percent), Seattle (+9 percent), and Dallas (+8 percent). With compensation 10 percent below the national average, Richmond is not known for hefty paychecks and actually represents the lowest-paying market. Two other places where employers offer below-median salaries are San Antonio (10 percent less) and Tampa (5 percent less).

    Medical Biller Reviews

    Q: What is it like working as a Medical Biller?

    Medical Biller in Mansfield:

    Pros: How exciting it can be, you must be a good problem solver. Multi Tasker. It s very demanding, when you ve gone through all the motions to get a claim paid and it s successful it s a good feeling. When you keep being denied over and over, trying everything you know to be tried and true and it doesn t work. Yet finally it does, is an even greater feeling.

    Cons: The stress mainly is the worst part.

    Medical Biller in Tumwater:

    Pros: What I like most about my job is I keep busy.

    Cons: Management does not appreciate how hard we work.

    Medical Biller in Van Nuys:

    Pros: I like being busy it keeps my mind occupied. And I love the patients at my job.

    Cons: The Dr. I work for thinks he can push people around and insult them whenever he has a chance. Anorher thing is he underpays the wmployees who do the most work at the company.

    Medical Biller in Pawtucket:

    Pros: I like being part of the billing cycle that can impact positive cash flow.

    Cons: Long wait calls to insurance companies.





    05/08/2017

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    Maryland Mutual Consent Divorce #maryland #mutual #consent #divorce, #maryland #mutual #consent

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    Maryland Mutual Consent Divorce — Without Children – All Forms and Legal Advice Included.

    Ready to start? Click on the package you need to register and access the online questionnaire. You can save your answers and return later. When you’re ready to move forward, simply pay by credit card and submit the questionnaire to our firm.
    We will review to make sure it is correct, provide you with legal advice, and detailed filing instructions.

    Now there is no one-year waiting period for an uncontested divorce, if you meet the new qualifications for a Mutual Consent Divorce in Maryl and , — effective October 1, 2015.

    Qualifications for a Mutual Consent Divorce in Maryland

    Effective October 1, 2015, Maryland has a new kind of divorce called a �Mutual Consent Divorce.� If you don�t have any children you can qualify for this divorce which does not require a one year waiting period. This new divorce is called a Divorce by Mutual Consent .

    It is only available to couples who don’t have any minor children. You must satisfy these conditions to quaify for a Divorce by Mutual Consent :

    Four Conditions for Divorce by �Mutual Consent�.

    A couple will be able to qualify for divorce by �mutual consent� if four conditions are met:

    1. They have no minor children in common;

    2. They have a signed, written settlement agreement covering both alimony and property rights that they submit to the Court;

    3. Neither party asks the Court to set aside their written settlement agreement; and

    4. They both appear at the uncontested divorce hearing.

    Separation before Filing no longer Required

    This type of divorce does not require the couple to be separated for any period of time before filing for the divorce. The only other existing, no-fault ground for absolute divorce in Maryland requires parties to be separated for an entire year before they can file.

    Under current Maryland law, living together under the same roof while negotiating property and support issues, delays when a divorce can be granted on no-fault grounds. Only after a couple has separated residences and has lived separate and apart for twelve months can one of them file for a divorce on no-fault grounds.

    This means that if you qualify and execute a Marital Separation Agreement, you can file for divorce as soon as each party as executed the Marital Separation Agreement.

    Our forms package supports this new Mutual Consent Divorce and also comes with legal advice.

    Our cost is $249.00, plus you play court filing fees. We also provide you with all of the legal advice you need at no extra charge.

    The Hearing for a No-Fault Divorce in Maryland

    At the hearing for Absolute Divorce, you will need a corroborative witness. This is a person who testifies for you and supports your version of the facts. The witness gives his/her testimony based on the facts he/she saw or heard. We provide you with detailed instructions so you can represent yourself in the divorce hearing.

    If you file for A Mutual Consent Divorce, both parties will have to attend and participate in the hearing.

    Guarantee: We offer a 100% refund if you are not satisfied.

    Last updated October 15, 2016

    Copyright Granat Legal Services, P.C.
    a Maryland Divorce Attorney.

    ADMIN

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    Accessing this page, and any interior pages, is a request for information. That notwithstanding, nothing on these pages, or on any pages linked to these pages, shall be construed as legal advice, nor shall anything on these pages by itself operate to create an attorney/client relationship. An attorney/client relationship cannot be created before the firm has accepted the representation. Acceptance cannot occur before the firm issues an internal New Case Report and you have been notified that you are a client of the law firm by email.

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    05/08/2017

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    How Much Do Around the World Tickets Cost? #find #cheap #flight

    #plane ticket
    #

    How Much Do Around the World Tickets Cost?

    This question really depends on who you are and how you intend to travel . Depending on your plans and desired level of comfort, for around the world tickets you could spend a fortune or a pittance, but really how much do around the world tickets cost.

    It follows that longer trips will cost more than short ones, but it doesn t mean that long trips have to be expensive.  And while the price of a trip with more stops will cost more overall, on a day-by-day basis the airfare expense ends up being cheaper relative to the cost of everything else — you spread the price out over more days.

    The average AirTreks around the world or multi-stop plane ticket is between $3000 and $5000 per person, but that all depends on your routing. You can price your route with our TripPlanner or call one of our Personal Travel Consultants at 415.977.7100 to estimate your airfare. That is our quick estimate of how much do around the world tickets cost, but look at the factor below before you freak out to see how you can adjust the cost

    To keep the price on the low end it s important to be open to connection flights, longer layovers, and airlines that may not have huge marketing budgets.Some go above this and it s certainly possible to get under, and even though the overall cost of your trip depends on its complexity and the number of flights  this is a good number to go on in the planning phase.

    One thing you can guarantee is that your around the world tickets will be a set price, paid for in a lump sum and removed your travel budget numbers once that s done. Daily expenses are something you need to keep your eye on because this can be what forces you to do something like cut your trip short if you run out of money .

    For insight into how much the total trip will cost read our article about how much an around the world trip costs .

    Calculate the total trip cost by designating each place you re going, consider how much you ll be spending there per day . multiply that by two (as a buffer for incidentals), add it to your airfare quote and you should have a good idea how much your total trip will be.

    How Much Do Around the World Tickets Cost. 4.1 out of 5 based on 20 ratings

    05/08/2017

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    How Long Do Doctoral Programs Take to Complete? #how #long #are

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    How Long Do Doctoral Programs Take to Complete?

    The amount of time it takes to finish a doctoral degree program varies depending on a number of factors, such as the amount of credits you need or whether you attend part-time or full-time. A doctorate is often required for research, higher education teaching and advanced medical fields; however, this degree may also be required in other fields or be beneficial in advancing in your career.

    Doctoral Program Lengths

    Most doctoral programs take between four and seven years to complete, although schools may allow students up to 10 years to earn a doctorate degree, depending upon the program. If you find that you need more time, some schools will grant extensions for extenuating circumstances. To be granted this time, you’ll need to show intention to finish, planning and proper documentation.

    Important Facts About Doctoral Degree Programs

    Anthropology, comparative literature, biology, mathematics, history, sociology, psychology, linguistics, computer science

    Fully available for select programs

    Lawyer, psychologist, physician, surgeon

    May be mandatory, depending vocation; some occupations require certification or licensing

    Factors Affecting Completion Time

    Your time as a doctoral student may be shorter or longer than the average, depending on a number of factors. Some doctoral degree programs have requirements that take longer to complete because of their nature; for example, a research project might lengthen your time because you’d need to design a study, find participants, run the study and finalize your findings. Financial aid is another factor that can affect the amount of time you need; some schools cut off financial aid for students who take longer than the set amount of time to complete their degree. Without financial aid, you may need to work, which can leave less time for your studies.

    Enrollment Status

    If you decide to enroll only part-time in your doctoral program, you will most likely take longer in earning your degree than students who enroll full-time. Many schools will allow you to switch between part-time and full-time enrollment from semester to semester, so you may slow down or accelerate your degree program as needed.

    Previous Education

    You may enter a doctoral degree program immediately after earning an undergraduate degree, or you may earn a master’s degree first. Some programs prefer you to have graduate school experience before entering a program, but others don’t. If you earn a master’s degree before entering a doctoral program, you may be able to apply some credits towards your doctoral degree, which could reduce the amount of time spent in the program.

    Completion of Dissertation

    Before you can be granted a doctoral degree, you must successfully complete the required number of credit hours, pass any required written and oral exams, and write and defend your dissertation. A dissertation is a book-length work demonstrating a student’s knowledge in his or her chosen field. It can often take two years or more to complete a dissertation. You can cut down on the amount of time you’ll take in completing a dissertation by choosing a school with an adequate support system for doctoral students, and by asking for help when you need it.





    02/08/2017

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    Best Braunau am Inn, Austria Tips, Things to Do and Travel

    #inn travel
    #

    Braunau am Inn Things to Do

    Nothing at or around the house indicates that Hitler was living there. The text on the stone reads. in English: FOR PEACE FREEDOM AND DEMOCRACYNEVER AGAIN FASCISMMILLIONS OF DEATHS ADMONISHWhat a difference: In Gori, Georgia, the birthplace of Josip Wissaronovich Dzhugashvili aka Stalin is preserved the way that a sorts of temple is built around.

    Braunau am Inn Shopping

    No Hitler souvenirs

    by lotharlerch Updated Jul 8, 2009

    Helpfulness

    Braunau does not make many attempts to sell itself as a touristic destination – their possible target group will disappear in a few years simply due to the biological process. And all of Braunau tries to show that what Austria imagines to be “political correctness”. Therefore it is absolutely impossible to purchase there any “Hitler souvenir”, I have not even seen picture postcards of the Hitler house.

    Braunau am Inn Local Customs

    Braunau am Inn Favorites

    01/08/2017

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    Do I Need a Passport to Travel to Mexico? #cheap #airline

    #travel to mexico
    #

    Do I need a passport to travel to Mexico?

    By Suzanne Barbezat. Mexico Travel Expert

    Suzanne Barbezat is a travel writer based in Oaxaca, Mexico. She has traveled extensively throughout Mexico and has produced the About.com Mexico Travel site since 2006.

    Question: Do I need a passport to travel to Mexico?

    Continue Reading Below

    In 2004, the US government initiated the Western Hemisphere Travel Initiative (WHTI) with the goal of strengthening border security. With this initiative, passport requirements were phased in gradually depending on the mode of transportation used to enter and exit the country.

    Timeline of passport requirement implementation:

    • Travel by air : In January 2007 the US Western Hemisphere Travel Initiative (WHTI) required all travelers entering or re-entering the United States by air to present a passport.

    Permanent Residents of the US. Document requirements for lawful permanent residents of the United States did not change under the WHTI .

    Continue Reading Below

    Permanent residents must present their I-551 Permanent Resident Card when entering the United States. A passport is not required to enter the US, but you may need one to enter Mexico, depending on your nationality.

    A passport is the best form of international identification and having one may help you avoid hassles when crossing borders. Find out how to get a passport .

    29/07/2017

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    Do My Disability Benefits Remain Intact If I Get Married? #do

    #

    Do My Disability Benefits Remain Intact If I Get Married?

    Some types of Social Security Disability (SSD) are for unmarried family members of the disabled person (so marriage will render the person ineligible for benefits), while other types are for married or unmarried people, but have income limits. In that case, a new husband or wife s income can be counted toward these limits and could make a disabled person financially ineligible for benefits. Let s take a closer look at both of these situations.

    Social Security Disability Insurance (SSDI)

    SSDI is the benefit paid to disabled workers who have paid taxes into the Social Security for multiple years. To receive SSDI, you have to fit the Social Security Administration s (SSA s) definition of disability, but you can be unmarried or married. Getting married won t ever effect SSDI benefits that you collect based on your own disability and your own earnings record.

    However, certain dependents of a disabled worker can receive SSDI auxiliary or survivor benefits based on the disabled worker s earning record. Some of these dependents benefits are given only to family members who are unmarried.

    Children s Benefits

    Children who receive SSDI benefits on the record of a parent will lose these benefits if they get married. Here are the specifics:

    The unmarried child or stepchild of a disabled worker can receive benefits until age 18, or age 19 if a full-time high-school student, or until getting married, whichever occurs earlier.

    The unmarried disabled adult child of a disabled worker can receive benefits (assuming his or her disability occurred before age 22) until he or she recovers from the disability or gets married. In some circumstances, a disabled adult child may be able to marry another disabled adult child without either person losing benefits.

    For more information on children’s SSDI benefits, see our article on benefits for children of disabled parents .

    Widows and Widowers Benefits

    Widows and widowers lose their SSDI benefits if they get remarried. (A surviving spouse who is 60 years old or older, or at least 50 years old and disabled, can receive benefits until death unless he or she remarries.) For more information, see our article on SSDI benefits for the spouse of a disabled worker .

    Divorced Spouse s Benefit

    An ex-spouse who is receiving benefits based on her ex-husband or wife s record will lose these benefits if she or he gets married. (A divorced spouse who was married at least ten years to the disabled worker and who is 62 years old or older can receive benefits until death unless he or she remarries.)

    Divorced Spouse s Survivors Benefit

    An ex-spouse who is receiving benefits based on her deceased ex-husband or wife s record will lose these benefits if she or he gets married before a certain age. (The ex-spouse of a deceased disabled worker who is 60 years old or older, or at least 50 years old and disabled, can receive benefits until death unless he or she remarries.) If the surviving divorced spouse remarries after age 60 (or after age 50 if disabled), the SSA will ignore the marriage.

    Supplemental Security Insurance (SSI)

    For SSI (disability benefits for low-income disabled people who did not pay enough into the Social Security system for SSDI), eligibility for benefits is never terminated simply by marriage. SSI benefits are available to unmarried and married disabled people alike. SSI eligibility is dependent on meeting the definition of disability and financial income and resource limits.

    When a disabled person gets married (and lives with his or her new spouse), the problem is that the SSA will count some of the new husband or wife s income as available to the disabled spouse. This is called deeming income, and the nondisabled spouse s income that counts as available to the disabled spouse is called deemed income. If the nondisabled spouse makes a good or even fair income, the disabled spouse will likely lose his or her SSI benefits.

    If the nondisabled spouse earns more than $367 per month in countable income (in 2015), the nondisabled spouse s income will be deemed. The SSA has a very complicated formula for deeming spousal income. In a nutshell, if the spouses combined countable income (after certain sizeable deductions) is more than $1,100 per month (in 2015), the disabled spouse will be ineligible for SSI.

    If both you and your fianc (or fianc e) are receiving SSI benefits, the amount you receive will be reduced after marriage to match the couple’s SSI monthly benefit amount that is, assuming you and your spouse are still eligible for benefits. When both spouses are disabled, they must both meet the financial eligibility requirements for a couple. Their income is counted together, without using the deeming formula. If they make under the required amount, they would get the couples rate for SSI ($1,100 in 2015).

    Call the SSA at (800) 772-1213 for help determining whether your fianc or fiance ‘s deemed income is likely to make you ineligible for SSI.

    Get the compensation you deserve.





    29/07/2017

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    Baton Rouge, Louisiana #visit #baton #rouge #louisiana, #baton #rouge #louisiana, #things

    #

    Baton Rouge

    Visit Baton Rouge, Louisiana to experience all the things to do in the capital city. From a hot culinary scene to live music, Baton Rouge offers a unique Louisiana experience.
    Politics is deeply entwined in the culture of Baton Rouge; it can be found both in the storied past of local dealmakers, showcased at the Old Louisiana State Capitol, and in the political history that is being written now inside the art deco skyscraper that serves as the current capitol. As home to the main campus of Louisiana State University and several smaller colleges, the city buzzes with the energy of youth while holding fast to its traditions in Southern lifestyle and historic sites. LSU’s home football games dominate the fall social calendar when fans perfect the art of tailgating and pack the immense Tiger Stadium. A revival is underway in the city center where attractions range from a riverfront casino to the USS Kidd floating museum to the ultra-contemporary Shaw Center for the Arts, which clusters an art museum, gallery spaces, theaters and restaurants in the heart of downtown.

    Baton Rouge Tourism Resources

    The Louisiana Marathon

    Runners in The Louisiana Marathon in Baton Rouge

    LSU Museum of Art Gallery

    Gallery at the LSU Museum of Art

    The Louisiana Marathon

    Finishers of The Louisiana Marathon in Baton Rouge.

    LSU Lakes in Baton Rouge

    Stand up paddle board at the LSU Lakes in Baton Rouge

    LSU s Golden Band From Tigerland

    Things to do in Baton Rouge. Visit the USS Kidd Veterans Museum in Baton Rouge

    Visit the USS Kidd Veterans Museum in Baton Rouge

    Discover the solar system at Louisiana Art and Science Museum in Baton Rouge

    Discover the solar system at Louisiana Art and Science Museum in Baton Rouge.





    26/07/2017

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    Best Argentina Tips, Things to Do and Travel Guide #corporate #travel

    #argentina travel
    #

    Argentina Travel Guide

    Buenos Aires

    http://www.virtualtourist.com/travel/South_America/Argentina/Distrito_Federal/Buenos_Aires-1541981/TravelGuide-Buenos_Aires.html

    Ushuaia

    http://www.virtualtourist.com/travel/South_America/Argentina/Tierra_del_Fuego/Ushuaia-1534630/TravelGuide-Ushuaia.html

    El Calafate

    http://www.virtualtourist.com/travel/South_America/Argentina/Provincia_de_Santa_Cruz/El_Calafate-1540583/TravelGuide-El_Calafate.html

    San Carlos de Bariloche

    Rosario

    http://www.virtualtourist.com/travel/South_America/Argentina/Provincia_de_Santa_Fe/Rosario-1535955/TravelGuide-Rosario.html

    Parque Nacional del Iguazù

    Tilcara

    http://www.virtualtourist.com/travel/South_America/Argentina/Provincia_de_Jujuy/Tilcara-1534882/TravelGuide-Tilcara.html

    Parque Nacional Tierra del Fuego

    El Bolsón

    http://www.virtualtourist.com/travel/South_America/Argentina/Provincia_de_Rio_Negro/El_Bolson-1540608/TravelGuide-El_Bolson.html

    Parque Nacional Los Glaciares

    San Antonio de Areco

    http://www.virtualtourist.com/travel/South_America/Argentina/Provincia_de_Buenos_Aires/San_Antonio_de_Areco-1535802/TravelGuide-San_Antonio_de_Areco.html

    San Martín de los Andes

    Humahuaca

    http://www.virtualtourist.com/travel/South_America/Argentina/Provincia_de_Jujuy/Humahuaca-1539421/TravelGuide-Humahuaca.html

    San Agustín de Valle Fértil

    25/07/2017

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    How do seniors travel cheap to Europe? #his #travel

    #travel europe cheap
    #

    How do seniors travel cheap to Europe?

    Supply fuels demand and as one of the most popular travel destinations in the world, travel to Europe can be expensive. For seniors living on a fixed income or without much money to spare, the dream of European travel can still be realized. Frugal travel to Europe starts with planning ahead and preparing for emergencies with travel insurance.

    Avoid the Summer Rush

    During the summer months, Europe is crawling with excited travels. To meet the demand, prices on airfare, restaurants, and hotels are also much higher. Frugal seniors who wait till winter can travel to Europe and experience the same wonderful cultural options but with fewer crowds and cheaper prices. On airfare, this could lead to huge savings since most airlines charge holiday surcharges during holidays and the busy summer season.

    Seniors are more prone to accidents and injuries than younger adults. On a European vacation, extensive walking and different weather conditions could be a problem for some; especially seniors who already have preexisting health conditions. With a Medical Evacuation policy, seniors can be reassured that no matter how remote their European travel destination is, they are not out of touch. This travel medical insurance can get seniors airlifted and returned home to receive immediate care.

    When exploring Europe, enjoy some of the many free adventures offered to save money. Ancient churches and cathedrals, grand parks, art galleries, museums, libraries, architectural wonders, and free concerts are some of Europe s most amazing experiences. Seniors who set a realistic budget and protect against the unexpected with a travel insurance policy can have a grand adventure touring Europe.

    About Damian Tysdal

    Damian Tysdal is the founder of TravelInsuranceReview, and he believes travel insurance should be easier to understand. See more from Damian on Google+ .

    Compare quotes from all major travel insurance companies

    Get travel insurance quotes from all companies at the same time using a comparison tool. You can check coverages side-by-side, compare prices, and purchase online using a credit card.

    24/07/2017

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    How much do you spend on car insurance and gas per

    #

    First separate the two numbers. Gas is gas, and insurance is insurance. One can be thought of as overhead (fixed-cost), and the other is an operating expense.

    Your insurance is fixed, in that it costs you whether you drive or not, but the rate will be highly variable depending on your ZIP code, your credit report, the liability rankings of that vehicle, cost of repair parts, the coverage limits and deductibles you choose, and you. Did you just get your license yesterday, or have you been driving for a number of years? Have you carried car insurance in the past? If so, they’ll want a good explanation for the gap in coverage, and the only good one in their eyes is if you did not own a car.

    As far as liability goes, it’s just numbers. If Nissan 350Z owners are involved in more accidents than Toyota Camry owners, they will charge more to insure the 350Z for liability.

    For collision repair coverage, if parts are more expensive for one car (say, a new BMW with a lot of aluminum body panels) vs. another (say, a Honda Accord with all steel panels, and plentiful availability of factory, used, and 3rd party parts), the car that costs more to repair will get charged more to insure.

    Your ZIP code also matters. In my area, someone who lives in congested downtown or the neighborhoods immediately next to downtown will pay more than someone who lives 5 miles away (and the person living five miles away pays more than the person living in a rural area).

    All of the insurance companies look at a combination of factors, and usually come to different conclusions about what to charge you. It absolutely, no ifs, ands, or buts, pays to shop around.

    Another fixed cost to plan for is yearly registration. That varies by state, and in many (most?) states, it varies by car, with more expensive, newer cars costing more per year. In those states, the cost drops each year, until it hits a minimum after about 8-12 years. In my state, the minimum is about $40. The maximum is many hundreds, if not over a grand, but for cars most people can afford, it’s like $300-350 when it’s brand new, and it goes down every year after that.

    Now your gasoline is an operating expense. It varies according to usage. The best way to predict that cost is with a calculator, plugging in cost per gallon, miles per gallon, and miles driven.

    You also have to add in scheduled maintenance (fluid and filter changes, tune-ups, etc.), tires, brakes, probable suspension work, and other repairs as the machine ages and wears.

    So, I don’t know–start shopping for insurance (or rather, shop for an agent who seems interested in earning your business once you do buy) on some examples of cars you might buy (and maybe a vanilla car like a Taurus or Camry for comparison), and grab a calculator and run some fuel costs. Call the dealer service departments to get an idea of expected maintenance costs, and check out Tire Rack and Discount Tire’s sites for an idea of what tires will cost for the cars you’re considering.

    Run all your numbers before you decide to take that plunge. (You might also decide that a non-sports car is much more practical at whatever point in your life you are–because they are less expensive to own.)

    Edit: I see you’re looking at a Mercedes SLK. I honestly don’t think $300 is going to be nearly enough for gas and insurance, let alone everything else, unless you barely ever drive it, and insurance is close to a best case scenario.

    I forgot to mention that the major insurer’s websites like Progressive.com let you run a quote online (or at least they used to), so run a few of those at the different websites to get a better idea for yourself.

    Last edited by Thegonagle; 09-24-2011 at 08:56 PM.

    My fiancee and I are both 25, both have not-at-fault accidents on our record and pretty miserable credit. We have a 2000 Saab 9-3 convertible and a 2000 Jeep Cherokee.

    We pay $80 per month for both, though the majority is for the Jeep, which is liability-only. Liability plus comprehensive with a $250 deductible is less than half of the cost due to the Jeep being a larger vehicle.

    As for gas. well. a Jeep and a turbocharged car driven by a guy with a lead foot. I don’t even keep track anymore for my own sanity.

    Please register to post and access all features of our very popular forum. It is free and quick. Over $53,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

    Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com .





    22/07/2017

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    Things to do in Miami, FL: Florida City Guide by 10Best

    #miami travel
    #

    Free Fun Is Totally Possible at These 10 Best Miami Spots

    More About Miami

    Sultry, seductive Miami, Florida entertains many identities: snowbird refuge, retiree haven, celebrity playground, immigrant stop-off and tourist mecca. All undeniably accurate, they’re telling descriptors of everything this dazzling city embraces. They’re also indicative of the melting-pot culture that has come to define South Florida, an area originally dismissed by developers. The region later found purpose as a resort destination and as farm land for Florida’s first settlers (or “Crackers”). These initial roles ultimately led to today’s Miami, a capital of travel, commerce and self-assertive flamboyance.

    But what else could you ask of a sub-tropical wonderland washed by brilliant light and kissed by enveloping seas? As recently as the early 20th century, America’s Riviera was largely a backwater. Its potential was finally brought to fruition by the arrival of the railroad, promise of a year-round growing season, and the emerging leisure class’s disposable income for vacationing in Miami. These days, easy access is a given, and agriculture flourishes. However, the city’s natural beauty and world-class Miami travel destinations most strongly render it a fashionable escape for fun and freedom.

    The primary locus for such hip activity is Miami Beach and, more specifically, South Beach (affectionately deemed SoBe). Artistic, self-aware and boasting some of Miami’s best vacation spots and hottest beaches, it’s an enclave that maintains its vibrancy no matter the moment, illuminated alternately by sunlight and neon. Here, Art Deco Miami landmarks tie past and present together with pastel sleekness while impossibly beautiful people lounge during the day and party late into the night.

    Still, Miami vacation spots and travel destinations are not all this area has to offer. Miami transcends the promoted glitz it’s gained from association with movies, TV shows and magazine spreads. It encompasses Coconut Grove’s residential beauty and superb shopping (CocoWalk and the Streets of Mayfair attract folks by droves) and Coral Gables’ winding streets, Mediterranean architecture and refined lifestyle. It even reaches out to the quiet, suburban domesticity of South Dade with its malls, parks and wildlife attractions.

    Miami travel guides note that it also shines as a beacon of accessible liberty for immigrants from throughout the Caribbean and South and Central America. Escaping poverty and lack of opportunity, they come with a dearth of material goods but an inextinguishable hope and an abiding heritage that manifests itself in food, music and community richness.

    Food and music, in fact, showcase Miami’s zest for all things sensual. Cool jazz, spirited salsa rhythms, and a cuisine that unites fresh seafood, tropical fruits and tongue-tingling flavors provide evidence of a people and a city mesmerized by and dedicated to the spices of life. Experience its many incarnations in the most sizzling Miami neighborhoods: Little Havana, SoBe or the Design District. Each one boasts top-notch clubs and superlative restaurants, energized by a style-conscious clientele, so you will never run out of things to do in Miami.

    Such range and so much possibility for both spirit and appetite ultimately impart to Miami a semblance of meaning that it neither needs nor demands. The city’s allure remains independent of attempts to quantify it, and regardless of the effort, satisfaction comes with just experiencing it. After all, when sympathetic climate and abundant care give rise to a strong, vivid hybrid, it’s not the parentage that draws attention but simply the beauty of the flower.

    22/07/2017

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    Nicaragua Travel: Your Nicaraguan Guide for Things to Do, Hotels, Dining,

    #travel websites
    #

    Latest Articles

    Inhabited by small fishing and farming communities, the picturesque volcanic island of Zapatera lies off the western shoreline of Lake Nicaragua. Tourism infrastructure on the island is minimal, but for nature loving travelers. read more

    The island of Ometepe, located in Lake Cocibolca, consists of two cone-shaped volcanoes – Maderas and Concepción – joined by a narrow strip of land. The island is thought to have been inhabited by humans as far back as 500. read more

    Located on the Caribbean coastline in the Autonomous North Atlantic Region (RAAN) of Nicaragua, the municipality of Puerto Cabezas offers visitors tranquility and unspoiled nature, along with warm hospitality. Visitors who are. read more

    Listed by the International Union for the Conservation of Nature (IUCN) as ‘Critically Endangered’, Nicaraguan spider monkeys (Ateles geoffroyi geoffroyi) may be found in undisturbed areas of the country’s larger reserves, inc. read more

    Originally part of the Chontales Department of Nicaragua, Boaco became a separate department in 1938 and includes the municipalities of Boaco, Camoapa, San José de los Remates, San Lorenzo, Santa Lucia and Teustepe. Bordering. read more

    At the recent Festival of Literature 2014 hosted by ANIDE (Asociación Nicaragüense de Escritoras) in Managua, tribute was paid to Nicaraguan author Rosario Aguilar, one of the pioneers of ANIDE. It was also the celebration o. read more

    Nicaragua is without a doubt a spectacular birding destination, but ongoing research has revealed that of the 676 species of birds to be found in Nicaragua, fifteen species are listed as ‘globally threatened’ by BirdLife Inter. read more

    22/07/2017

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    Getting a Business Loan – How Start-up Capital Works #how #do

    #

    How Start-up Capital Works

    If you decide to get a business loan from a bank or other lending institution, there are several things to consider. Start by asking yourself these questions:

    1. For what, exactly, is the loan going to be used?
    2. What length should the loan be?
    3. What assets can you use as collateral?

    When answering these questions, especially the first one, be specific. Are you going to buy a building with the loan? Are you going to use it to purchase parts for an order you will fill within six months? You need to think through these things because you want to make sure you get a loan that fits the use of the money. For instance, you don’t want to finance supplies for 15 years if you’ll be using them up within six months, and you wouldn’t want to finance your building or a large piece of equipment with a one-year loan. Make sure your loan type and length fits what you’re using the funds for so you’re not paying interest on widget parts that are now long gone.

    Next, we’ll look at ways to help your chances of landing the loan.

    Print |
    a data-track-gtm Byline href http www.howstuffworks.com about-author.htm obringer Lee Ann Obringer a How Start-up Capital Works 1 January 2003. br HowStuffWorks.com. lt http money.howstuffworks.com startup-capital.htm gt 7 June 2017″ href=”#”>Citation Date





    13/07/2017

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    5 Things You Should NOT Do After a Car Accident #do

    #

    5 Things You Should NOT Do After a Car Accident

    Unless you’re trying to score points in a demolition derby, attempt insurance fraud, or raise your national profile as a NASCAR driver. odds are, you don’t ever want to be in a car wreck.

    An auto accident can ruin your entire day. In addition to the inconvenience of missing work or a crucial appointment, you also have to deal with damage to your car, liability issues, possible traffic citations and even injuries in some unfortunate cases.

    At the risk of sounding like a defensive driving video, here are some statistics: the National Highway Traffic Safety Administration reports there were 2.24 million crashes with injuries in the U.S. in 2010. The good news is that since cars are safer than ever before, fatal crashes are down to their lowest levels in 60 years [source NHTSA ].

    Even so, most drivers are likely to be involved in a car accident at least once in their lives. You can be the safest and most cautious driver around, but that doesn’t save you from the person who careens through a red light and into your car because they were attempting to send a text message while they were driving.

    After you’re involved in an accident, there are steps you must take to ensure your own safety, the safety of the other driver or anyone else involved in the wreck and that everything has been properly documented for law enforcement and insurance reasons. There are also some things you should never, ever do after a wreck. Those things are what we will cover here.

    In this article, we’ll learn five things you should NOT do after a car accident. Avoid these foolish and often illegal mistakes, and you should be back on the road in no time flat — with a little extra wisdom and experience under your belt, too.

    Print |
    a data-track-gtm Byline href http www.howstuffworks.com hsw-contact.htm Patrick E. George a 5 Things You Should NOT Do After a Car Accident 13 March 2012. br HowStuffWorks.com. lt http auto.howstuffworks.com car-driving-safety accidents-hazardous-conditions 5-things-after-car-accident.htm gt 30 May 2017″ href=”#”>Citation Date





    12/07/2017

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    Vietnam Travel Agent – Do Best Tours by Vietnam Travel Packages

    #travel vietnam
    #

    By Plane

    In Vietnam, there are four international airports in total. If you want a direct flight, e. g. from the U.S. or Europe to Vietnam, you can either fly to HCMC (with the biggest airport, the Tan Son Nhat International Airport) or to Hanoi (with the second biggest one, the Nội Bài International Airport).

    Alternatively, you can take a flight to China, Laos, Cambodia, Thailand, South Korea, Japan or Singapore, and get a connecting flight to Vietnam:

    Da Nang has an International Airport (flights from/to Seoul/South Korea, Bangkok/Thailand, Singapore).

    Can Tho Airport in South Vietnam provides international service, too (flights from/to Bangkok/Thailand, Tokyo/Japan, Phnom Penh/Cambodia).

    Phu Quoc Island now has its own International Airport.

    If you buy a ticket for a flight to Vietnam in a nearby country, you might get it for half the price of a Vietnam Airlines’ flight. However, during holidays it will be hard to get a reservation. Especially during Tet you should make reservations in advance. You can also travel into Vietnam overland or on the waterway from one of the adjacent countries.

    11/07/2017

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    What can I do with my degree in travel and tourism?

    #travel and tourism
    #

    What can I do with my degree. Travel and tourism

    A travel and tourism course offers vocational training and helps you develop strong business management and communication skills, broadening your job prospects

    Job options

    Jobs directly related to your degree include:

    Jobs where your degree would be useful include:

    Remember that many employers accept applications from graduates with any degree subject, so don’t restrict your thinking to the jobs listed here. To find out what jobs would suit you. log into My Prospects.

    Work experience

    It is relatively easy to find paid part-time work opportunities in the travel and tourism industry, since it is so large and there are so many types of visitor establishments and attractions all over the UK. The range of different working patterns available should make it easy to combine part-time work with your current study.

    Voluntary work may also be a good option, especially if it means gaining experience in an area where job opportunities more scarce.

    You could also consider summer work experience or spending time working abroad. This could include working at holiday or theme parks, in a resort or at summer camps abroad. You could also purchase a student railcard and travel through Europe, widening your cultural knowledge and language abilities.

    You may be able to take part in an exchange programme, spending some time studying abroad towards your degree. Consider looking at relevant short courses, such as TESOL or TEFL, which may present opportunities to work abroad teaching English language skills.

    Search for placements and find out more about work experience and internships .

    Typical employers

    The travel and tourism sector comprises many different industries and sub-industries, including services such as retail travel, currency exchange, tour operators and tourist boards. It also covers passenger transport including coach, aviation, rail and waterways and visitor attractions such as museums, theme parks, zoos and heritage sites.

    A variety of accommodation services also fall within this category, including hotels, hostels and holiday parks. Associated with hotels and core business operations are conferences and events, which provide considerable all-year-round employment opportunities.

    Skills for your CV

    Travel and tourism graduates gain knowledge about products, structures and operations within the tourism industry, learning about tour operators, airlines, hotels and tourist boards.

    Through a combination of vocational and academic study you learn about the relationships between consumers and the providers of tourism services and about the issues relating to sustainability and social responsibility within tourism.

    The course also equips you with a range of transferable skills, including:

    • leadership;
    • team working;
    • problem-solving;
    • communication skills, with a strong customer focus;
    • IT skills;
    • ability to research;
    • presentation skills;
    • ability to work to deadlines.

    Further study

    Specific in-house training is likely to be available within the industry and is often encouraged to enhance promotion prospects and knowledge of particular issues.

    Relevant postgraduate study in this field includes courses with an emphasis on management skills, particularly in areas such as hospitality, heritage and sustainability. Postgraduate courses in specialist areas such as ecotourism or rural development may also be helpful.

    General business topics such as marketing or human resources could be relevant and can be applied across various disciplines.

    For more information on further study and to find a course that interests you, see Masters degrees and search postgraduate courses .

    What do travel and tourism graduates do?

    Around three-quarters of travel and tourism graduates are in employment six months after finishing their course. A large number are working within the industry as holiday representatives, travel agency workers, tour guides and general travel administrators.

    Approximately a fifth of those employed work within the retail, catering and bar work industry.

    11/07/2017

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    Why Do Math? Space Travel #best #travel #websites

    #space travel
    #

    By Dr. Shane Ross

    Getting from point A to B in space usually requires considerable quantities of propellant. But after it blasted off from Earth, the Genesis probe was able to travel 1.5 million kilometers. More.

    Contrary to everyday experience on Earth, the most efficient route through space may not be a straight line. Some mathematicians and NASA engineers have learned in recent years that take best advantage of gravity, and save fuel in the process, it may be necessary to make bizarre loops through space.

    Take for example the Genesis spacecraft. In 2004, it started on its way home after having spent two years collecting solar particles in orbit around a Lagrange point. a point between Earth and the Sun where the gravity of both bodies is balanced.

    But Genesis did not come straight home. It took a long curvy path, going past the Earth to make an extended million-mile loop (around another Lagrange point) before coming back to Earth. Amazingly, this seeming impractical path actually saves fuel by making use of gravity in the Earth-Sun system.

    The design of interplanetary space probes can now be done by taking advantage of the competing gravitational tugs of the different planets and their moons, which create a vast network of passageways by which a spacecraft can travel over large distances while expending very little energy. Without recent advances in mathematics and computation, these fuel-saving, mission-enabling paths through space could not be found.

    Click the links to the right to learn more about the gravitational passageways which form this interplanetary transport network.

    About the Author

    Dr. Shane Ross; Assistant Professor of Engineering Science and Mechanics, Virginia Tech

    11/07/2017

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    Whatever You Do, Don – t Buy an Airline Ticket On

    #buy airline tickets
    #

    Whatever You Do, Don’t Buy an Airline Ticket On …

    Scott McCartney

    Updated Jan. 27, 2011 12:01 a.m. ET

    Shoppers looking for the cheapest airfare can learn something from stand-up comedians: It’s all about timing.

    Ticket prices are highest on weekends, on average, according to online travel agencies, fare trackers and airline pricing executives.

    When’s the best time to buy? Travel experts have long said Tuesday is when sales are most often in place, which is true. An analysis of domestic fares shows that Wednesday also has good—and occasionally better—ticket prices.

    Though prices fluctuate frequently and the ups and downs of airline prices can frustrate and anger consumers, airline pricing actually does follow a cycle during the week. Many sales, in which some seats are discounted by 15% to 25% typically, are launched Monday night. That was true again this week when AirTran Airways launched a sale to all its destinations. Competitors typically match the lower prices Tuesday morning. By Thursday or Friday, many sales have already expired.

    Two weeks ago, a Chicago-Atlanta round-trip ticket for April travel dates cost $209 on Tuesday and Wednesday on American and Delta, but then $301 for the next four days. When Tuesday rolled around last week, the fare dropped to $219 at both airlines for the April 8-15 itinerary. By Friday it was up to $307 at both American and Delta. Come Tuesday this week, the fare was down to $229.

    Like bread, fares get sort of stale toward the end of the week, said Bob Harrell, a fare consultant who has tracked airline pricing for years.

    For this analysis, Mr. Harrell studied all fares filed by airlines over the past 90 days and found Monday was the busiest day for fare changes, followed by Thursday.

    When airlines want to push through a fare increase, marking up their basic prices across the board usually by $5 or $10, they often do that on Thursday night, then watch to see if competitors match and if the higher rates stick over the weekend. If competitors balk, prices can be rolled back by Monday morning.

    ENLARGE

    Airline pricing follows a cycle during the week. Above, a Southwest Airlines plane in flight in September. Getty Images

    08/07/2017

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    VerdictSearch – California Legal Research for Civil and Criminal Court Cases,

    Featured Verdicts

    Find out about the most important recent California cases, selected by VerdictSearch editors. Coverage includes Alameda, Los Angeles, Orange, San Francisco and San Diego counties.

    Jury awards $5M to man wrongfully accused of indecent contact

    A jury awarded $5 million to a man who was wrongfully arrested for indecent contact with a minor over the internet. In 2011, a man was arrested in front of his home. He was accused of performing sex acts on himself while using a Facebook account to contact a 12-year-old Sacramento girl and asking her to undress in front of a webcam. The accused man was ultimately found to have not committed the crimes, to have never been on Facebook, and to have never had a Facebook account on his computer. The plaintiff claimed Detective Heather Hendrickson was reckless in her preparation of the arrest and search warrant affidavits, causing her to mislead the magistrate that issued the warrants. Defense claimed Hendrickson was not reckless in her conduct.
    J.N. v. Hendrickson
    United States District Court, Central District, Los Angeles

    Jury finds passenger was unbelted at time of crash

    A jury found a driver and the manufacturers of a seat belt were not to blame for a passenger’s head injury and paralysis. In 2012, Terry Herbert, then 58, was a passenger in a Ford Fusion driven by Sylvia Caceres when it was involved in a rollover crash. Herbert suffered a traumatic brain injury and was rendered a paraplegic when she was ejected from the car. Herbert claimed that Caceres failed to maintain proper control of the car and that the seat belt’s buckle was defectively designed, causing it to unlatch during the crash. Caceres claimed another vehicle caused her to take evasive action, and Ford Motor Co. and the manufacturers of the Takata AB buckle claimed Herbert was not wearing her seat belt at the time of the crash.
    Herbert v. Ford Motor Co.
    San Bernardino County

    Driver found not to blame for pedestrian’s alleged injuries

    A jury found the driver of a reversing vehicle in a parking lot was not to blame for a pedestrian’s alleged injuries. On Feb. 7, 2013, Peter Ly, then 35, was in a parking lot inspecting damage on a vehicle when his right shoulder was allegedly struck. He claimed the vehicle he was inspecting was struck by Paul Fleming’s vehicle as it was backing into a parking spot. Ly claimed his shoulder was subsequently struck, resulting in a superior labral tear. Fleming claimed that he back into the spot at idle speed and bumped the parked vehicle, but that he didn’t see Ly until he returned with the property owner. Defense counsel argued that Fleming acted reasonably and that Ly was not behind the vehicle at the time of the accident. Defense also claimed Ly was not injured.
    Ly v. Fleming
    Los Angeles County

    Largest California Jury Verdicts





    07/07/2017

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    Is legal expenses cover worth the cost? #what #do #i #need

    #

    Is legal expenses cover worth the cost?

    Save money on your car insurance

    Who would foot the bill if another driver crashed into you, injuring you and making it impossible for you to work?

    Or if you had to pursue the other driver’s insurer through the courts to recoup money spent on taxis or hiring a vehicle while your car was being repaired?

    Your car insurance might – but only if you’d taken out legal expenses cover as an add-on to your policy. But should you pay extra to add this to your annual car insurance policy? Let’s take a closer look at the reasons for and against…

    What is legal expenses cover?

    Legal expenses cover is a type of insurance you can buy alongside your car insurance to cover yourself against the potential costs of legal action either brought by you or against you as a road user. Circumstances that could result in legal costs include:

    • Having to take action against another road user for negligence, or
    • Needing to defend yourself against accusations made by another driver.

    Legal expenses cover can also be taken out as an add-on to a home insurance policy, in which case it typically covers legal proceedings relating to your home, your employment, your death or personal injury and the supply of goods or services.

    Insurer LV estimates that 40% of its customers choose to add this type of cover to their home insurance policies.

    Whether it’s an add-on to car or motor cover, the maximum you can claim is usually limited to say £50,000 or £100,000.

    How much does legal expenses cover cost?

    The cost of adding legal expenses cover to your car insurance policy is generally around £20 to £25 a year.

    Some deluxe policies offer it as standard for no extra charge.

    When you’re shopping for car insurance. make sure your final quote does not include legal expenses (or any other add-on) unless you actually want it.

    You might have to untick a box if you decide you don’t need the cover.

    What are the advantages of taking out legal expenses cover?

    The cost of legal proceedings can be huge. So taking out legal expenses cover would prove a very worthwhile move if you needed to take legal action for any reason, for example following a car accident.

    Legal expenses cover can also be used to recover any excess you have to pay as a result of a crash in which you were not at fault.

    Plus, it usually entitles you to access to a free legal helpline, which could be a valuable source of advice on legal matters.

    What are the disadvantages of taking out legal expenses cover?

    One of the main issues with legal expenses cover is that there are no guarantees your claim will be accepted.

    You will, for example, only be allowed to make a claim if it is completely clear who was to blame for the accident and the insurer expects the legal action to go in your favour.

    Claims may also be rejected if too much time has passed since the incident, or the insurer does not feel the amount being contested is high enough to warrant court action.

    This would be the case if the amount involved was £500, but the insurer expected the case to cost say £1,000.

    Do I need legal expenses cover?

    Around 25 million households already have legal expenses insurance, according to figures from the Office for National Statistics – although there’s a question as to how many actually know they have the cover, having inadvertently gained insurance as an add-on or as a benefit of employment.

    The main benefit is the peace of mind that comes with knowing they won’t have to cover the cost of pursuing legal action should that become necessary.

    If you’re thinking cover might be worthwhile, remember to check whether you already get free legal advice through your trade union or being a named driver on someone else’s car insurance. There’s no point in doubling up.

    Did you enjoy that? Why not share this article

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    02/07/2017

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    Why are DDoS attacks so hard to stop? #how #do #you

    #

    PC Gamer

    Why are DDoS attacks so hard to stop?

    ask pc gamer

    I saw that Quake Livewas down because of a DDoS attack. It seems like this happens to games all the time. so I don’t understand why it can’t be stopped. Will this madness ever end? Tom

    It is madness, Tom, and it ought to end. but it isn’t likely to anytime soon. Distributed denial-of-service attacks can be mitigated, sometimes without any downtime, but they’re really hard to beat altogether.

    To quickly make sense of it, here’s a real world analogy: If I’m running a Starbucks and someone sneaks in, dodges the security cameras and steals all the stupid flavored syrups, that was a preventable security breach. However, if 200 non-customers enter my store at the same time and block all the real customers from ordering, that’s a DDoS attack. Now I have to figure out who the real customers are and shoo all the fake customers out the door, and that’s going to take time. No stupid sugar coffee for anyone.

    That’s grossly simplified, but the idea is the same when attacking servers: overload the target with fake data so that it can’t attend to real users. The least sophisticated version of a denial-of-service attack would have one computer firing away at the target server without any attempt to mix up its identity, and that’s not hard to stop: just block all data from that address. A distributed denial-of-service attack, however, can fire away from thousands of infected computers all over the world, collectively referred to as a “botnet.”

    In my research I spoke to StrataFusion partner Mark Egan, co-author of The Executive Guide to Information Security. who explained that owners of major botnets simply rent them out. Want to take down EverQuest for some moronic reason? All you have to do is pay.

    There are ways to mitigate DDoS attacks, and all kinds of services which offer such security, but no perfect solution. Egan explained that static content is a little easier to protect, as services like Akamai spread the data over thousands of severs, creating a big target. He suspects, however, that the dynamic nature of games makes them good targets.

    One way or another, to end a DDoS attack and keep a game server operational, the hostile traffic must be filtered out. One method is to ‘teach’ a system what good traffic looks like so that it can identify bad traffic, Egan explained, but even a well-protected server can be brought down while the attack is mitigated. “If a very determined bad guy aims at you, they’ve got a pretty good chance [of causing an outage],” he said.

    There are some very determined bad guys out there, though they may balk at the “bad” part. It has been argued that DDoS attacks should be considered a form of legal protest, the same as gathering in the streets. To decide if that can ever be a valid argument would be too much for this column’s scope, but it’s a pretty big stretch when it comes to game servers. No one fills the streets because they’re mad at EA. And either way, the law certainly isn’t having the protest angle: in the US, UK, and other countries, DoS attacks are a crime which can result in prison sentences. if you can catch the person responsible. That’s not easy.

    The perpetrators of these attacks can be anywhere in the world, and the owner of the botnet could be anywhere else in the world. “Very few people get caught,” said Egan. And while DDoS attacks can be very bad for a company, Egan says the main focus in the security world is on preventing theft. A service outage is inconvenient, but stolen credit cards are far more damaging.

    I asked Egan if he thought it would get better, but he isn’t optimistic. “Each side will continue to up their game a bit,” he said, meaning that more sophisticated security will only lead to more sophisticated attacks. It sounds terribly fatalistic, but all we can do is hope game services are prepared to respond quickly with strong DDoS mitigation techniques. Even then, we may still be locked out of the games we want to play now and then, because some idiots just hate fun.





    23/06/2017

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    Best New Zealand Tips, Things to Do and Travel Guide #european

    #new zealand travel
    #

    New Zealand Travel Guide

    Christchurch

    http://www.virtualtourist.com/travel/Australia_and_Oceania/New_Zealand/South_Island/Canterbury/Christchurch-1883860/TravelGuide-Christchurch.html

    Auckland

    http://www.virtualtourist.com/travel/Australia_and_Oceania/New_Zealand/North_Island/Auckland_Region/Auckland-1884091/TravelGuide-Auckland.html

    Milford Sound

    http://www.virtualtourist.com/travel/Australia_and_Oceania/New_Zealand/South_Island/Southland/Milford_Sound-2271904/TravelGuide-Milford_Sound.html

    Arthur’s Pass National Park

    Timaru

    http://www.virtualtourist.com/travel/Australia_and_Oceania/New_Zealand/South_Island/Canterbury/Timaru-1881474/TravelGuide-Timaru.html

    Tongariro National Park

    Greymouth

    http://www.virtualtourist.com/travel/Australia_and_Oceania/New_Zealand/South_Island/West_Coast/Greymouth-1884266/TravelGuide-Greymouth.html

    Mount Cook National Park

    Nelson

    http://www.virtualtourist.com/travel/Australia_and_Oceania/New_Zealand/South_Island/NelsonTasman/Nelson-1882601/TravelGuide-Nelson.html

    Abel Tasman National Park

    31/05/2017

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    Best Argentina Tips, Things to Do and Travel Guide #travel #checklist

    #argentina travel
    #

    Argentina Travel Guide

    Buenos Aires

    http://www.virtualtourist.com/travel/South_America/Argentina/Distrito_Federal/Buenos_Aires-1541981/TravelGuide-Buenos_Aires.html

    Ushuaia

    http://www.virtualtourist.com/travel/South_America/Argentina/Tierra_del_Fuego/Ushuaia-1534630/TravelGuide-Ushuaia.html

    El Calafate

    http://www.virtualtourist.com/travel/South_America/Argentina/Provincia_de_Santa_Cruz/El_Calafate-1540583/TravelGuide-El_Calafate.html

    San Carlos de Bariloche

    Rosario

    http://www.virtualtourist.com/travel/South_America/Argentina/Provincia_de_Santa_Fe/Rosario-1535955/TravelGuide-Rosario.html

    Parque Nacional del Iguazù

    Tilcara

    http://www.virtualtourist.com/travel/South_America/Argentina/Provincia_de_Jujuy/Tilcara-1534882/TravelGuide-Tilcara.html

    Parque Nacional Tierra del Fuego

    El Bolsón

    http://www.virtualtourist.com/travel/South_America/Argentina/Provincia_de_Rio_Negro/El_Bolson-1540608/TravelGuide-El_Bolson.html

    Parque Nacional Los Glaciares

    San Antonio de Areco

    http://www.virtualtourist.com/travel/South_America/Argentina/Provincia_de_Buenos_Aires/San_Antonio_de_Areco-1535802/TravelGuide-San_Antonio_de_Areco.html

    San Martín de los Andes

    Humahuaca

    http://www.virtualtourist.com/travel/South_America/Argentina/Provincia_de_Jujuy/Humahuaca-1539421/TravelGuide-Humahuaca.html

    San Agustín de Valle Fértil

    31/05/2017

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    Nicaragua Travel: Your Nicaraguan Guide for Things to Do, Hotels, Dining,

    #travel websites
    #

    Latest Articles

    Inhabited by small fishing and farming communities, the picturesque volcanic island of Zapatera lies off the western shoreline of Lake Nicaragua. Tourism infrastructure on the island is minimal, but for nature loving travelers. read more

    The island of Ometepe, located in Lake Cocibolca, consists of two cone-shaped volcanoes – Maderas and Concepción – joined by a narrow strip of land. The island is thought to have been inhabited by humans as far back as 500. read more

    Located on the Caribbean coastline in the Autonomous North Atlantic Region (RAAN) of Nicaragua, the municipality of Puerto Cabezas offers visitors tranquility and unspoiled nature, along with warm hospitality. Visitors who are. read more

    Listed by the International Union for the Conservation of Nature (IUCN) as ‘Critically Endangered’, Nicaraguan spider monkeys (Ateles geoffroyi geoffroyi) may be found in undisturbed areas of the country’s larger reserves, inc. read more

    Originally part of the Chontales Department of Nicaragua, Boaco became a separate department in 1938 and includes the municipalities of Boaco, Camoapa, San José de los Remates, San Lorenzo, Santa Lucia and Teustepe. Bordering. read more

    At the recent Festival of Literature 2014 hosted by ANIDE (Asociación Nicaragüense de Escritoras) in Managua, tribute was paid to Nicaraguan author Rosario Aguilar, one of the pioneers of ANIDE. It was also the celebration o. read more

    Nicaragua is without a doubt a spectacular birding destination, but ongoing research has revealed that of the 676 species of birds to be found in Nicaragua, fifteen species are listed as ‘globally threatened’ by BirdLife Inter. read more

    28/05/2017

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    What do I need to set up an online travel agency?

    #online travel agency
    #

    8 Answers

    I m inclined to agree with the other 2 answers – don t do it.

    But if you insist:

    1) Your IATA licence is just a starting point. Talk to IATA about how to go about it (their website will give you contacts – last time I looked the UK was run from an office in Madrid!). It is in their interests that you understand what you are getting in to so they will walk you through what you need. You will need to post an insurance bond so you will need a business plan to given them some idea of projected turnover.

    1a) Once you have your licence you can start approaching airlines to get authority to issue their tickets. You can t just issue tickets on any airline because you have an IATA licence.

    1b) At the same time you might want to negotiate with the airline about what access they will provide you to consolidator fares. In fact you might want to have that in your back pocket before you apply for the IATA licence otherwise your pricing isn t going to be competitive.

    1c) Agents don t earn commission any more. You need to add a fee to the fare the airline chanrges to make any money.

    2) Go to the CAA and get an ATOL – another bond and the same business plan.

    3) Find someone to build your website for you. There are a whole range of companies out there who have differing levels of expertise. Some are UK based, some are based in India, at least one is based in Germany. The cost will depend on what you want to do. Many people find the only way to make money these days is by selling ancillaries like hotel and car hire and insurance and suitcases and car parking and.

    4) Make sure your website developer can work with the GDS you choose. All the GDS have APIs but some developers only know one (although they claim to know them all). Negotiating your GDS contract is going to be interesting.

    5) Find an accounting package

    6) Find a mid office/booking management package (one developer might provide them all but you might find different ones best for your environment

    7) Arrange banking particularly wth regard to credit and debit cards. Be sure you understand how much you will pay the card companies and what your exposure to fraud is – travel is an area that fraudsters target.

    8) Get a limited company

    9) Decide on a trading name. Make sure you can secure ALL the URLs you will need – not just yourname.co.uk but yourname.org.uk yourname.com etc etc.

    I m going to stop because much of what I m writing now is just about business but I ll go back to the beginning DON T DO IT. There s too much competition and not enough profit.

    20/05/2017

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    Travel insurance: do you really need it for a European holiday?

    #newmont travel
    #

    Travel insurance: do you really need it for a European holiday?

    F igures out this week on the rising cost of hospital treatment in foreign countries should put the wind up anyone planning to holiday abroad without a European Health Insurance Card (EHIC) and/or travel insurance.

    If you fall seriously ill abroad and need hospital treatment, the average cost is now 2,040, up 6.25% year on year, according to research by Sainsbury’s Finance.

    From an analysis of travel insurance claims, the most expensive country for inpatient treatment is the US, with the average hospital visit costing 6,000 last year, 10% more than in 2008. The next priciest is Thailand at 2,750, followed by the Canary Islands at 2,500. The cheapest country is Bulgaria, with the average visit to hospital costing 500, a 5% increase year on year.

    Greece was the country where more holidaymakers required treatment than any other last year, followed by Turkey and Spain’s Balearic islands, including Mallorca, Minorca and Ibiza. Gastroenteritis was among the most common reasons for a hospital stay over the summer, with the average bill for inpatient treatment costing 1,200, while the most expensive hospital bills – averaging 12,500 – were for those suffering a heart attack. Outpatient treatment in a foreign hospital can also burn a big hole in the holiday budget, with average costs ranging from 200 to treat an insect bite and 275 for an ear infection, up to 450 for treating a head wound or bronchitis.

    There is no question that if you are travelling to a country where you would have to bear the full cost of any medical treatment – and that includes most countries outside Europe, including the US, Canada, Thailand and Turkey – then travel insurance covering you for medical expenses and repatriation is a must.

    But some would argue that if you are young, healthy and heading to Europe without children, particularly if you are visiting bigger cities rather than the back of beyond, an EHIC – without travel insurance – might be sufficient.

    If you are a UK resident, the EHIC gives you access to state-provided healthcare, at a reduced cost or sometimes free, when temporarily visiting an EU country, Iceland, Liechtenstein, Norway and Switzerland.

    Applying for the card is free and it is valid for up to five years. The easiest way to apply for or renew an EHIC is at ehic.org.uk. Alternatively, you can call 0845 606 2030 or pick up an application form from the Post Office. You’ll need to supply the NHS or national insurance number, surname, forenames and date of birth of applicants.

    Presenting the EHIC entitles you to treatment that may become necessary during your trip. It doesn’t allow you to go abroad specifically to receive medical care, but routine maternity care, renal dialysis and managing the symptoms of existing or chronic conditions that arise while abroad are covered. The card allows you the same state-provided healthcare as a resident of the country you are visiting. In some countries patients must contribute to the cost of their treatment and, even with an EHIC, you might be expected to do the same, though you may be reimbursed for this when you are back in the UK, if you are not able to do so in the other country.

    Advice from the UK government and the NHS is that the EHIC is not an alternative to travel insurance because it does not cover the costs of private healthcare or services that are not part of the state healthcare system, nor does it cover the cost of mountain rescue in ski resorts or being brought back to the UK.

    When weighing up whether to risk not buying travel insurance, remember that each country’s healthcare system is different, so your EHIC might not cover everything you would expect free on the NHS. For example, some state-run hospitals in Europe have privately-operated ambulance services, so you would pay for this.

    To avoid unnecessary private medical bills, you should always seek out state-provided medical care, and whenever possible present your EHIC before treatment. You need to be particularly careful if the arrangements for your treatment have been made by a hotel or travel representative because sometimes they will recommend a private healthcare provider which is not covered by the EHIC.

    You can find out what your EHIC will and won’t cover by looking at the country-by-country guide in the healthcare abroad pages on the NHS Choices website at nhs.uk/NHSEngland/Healthcareabroad. In Spain, for example, some hospitals and health centres offer private and state-provided healthcare and it is up to you to say which you require, and make sure that any doctor or hospital you use will accept your EHIC. Note that if you are asked to pay up front, you are not being treated under the Spanish health service and your EHIC will not be accepted.

    In some parts of Spain, particularly the outlying islands, you may have to travel some distance to find a state healthcare provider. Dental treatment is generally not available under the state system and the costs are not refundable. Medicines prescribed by health service practitioners can be obtained from any pharmacy but you’ll be charged up to 40% of the cost unless you are a European Economic Area or UK pensioner, with proof of this status.

    Some European health systems expect you to pay your bill upfront and claim a refund using your EHIC.

    You should always try to apply for your refund before you return home, but if you can’t you should keep copies of all receipts and any paperwork and make a claim in the UK by calling the Overseas Healthcare Team (Newcastle) on 0191 218 1999.

    The UK has reciprocal healthcare agreements with certain non-EU countries and territories where the EHIC is of no use including, for example, Australia, Croatia, Gibraltar, New Zealand and Russia. (There used to be a reciprocal agreement with the Channel Islands, too. But that ended in March 2009, so anybody now visiting the likes of Jersey, Guernsey, Alderney, Sark and Herm must pay for their own treatment if they fall ill or suffer injury.)

    If you are visiting any of these countries and need urgent or immediate medical treatment, as a UK national you should be treated as if you were a resident of the country in question and receive treatment at a reduced cost or, in some cases, free.

    But these agreements don’t cover the cost of repatriation to the UK or routine monitoring of existing conditions, and the range of medical services in these countries may be more restricted than under the NHS. So, again, you are taking a risk if you go to these countries without buying a travel insurance policy that gives you adequate cover for medical costs.

    In Australia, for example, provided that you have proof of your UK residence in the form of an NHS medical card or UK driving licence, and temporary entry permit, you can get free treatment at public hospitals but you’ll need to pay for treatment at most doctors’ surgeries, and for prescribed medicines, ambulance travel and dental treatment.

    • This article was amended on 15 September 2010. The original said that the UK-Channel Islands reciprocal health agreement remained in force. This has been corrected.

    16/05/2017

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    9 Ways To Travel The World For Free (Or Even Get

    #travelling the world
    #

    9 Ways To Travel The World For Free (Or Even Get Paid To Do It!)

    When I turned 18, I decided to move out of my parents’ home. I wanted to see the world, but I had no money at all. How could I travel the world when I was totally broke? But I also believe our dreams can come true when we set ourselves up for success. I found ways to move around despite my lack of money. I hope I can open your horizons a bit and inspire you to find creative ways of getting paid to travel, or at least to cover some (if not all) of your travel expenses.

    Work As An Au-pair

    An au-pair (literally meaning an extra pair of hands) is usually a young foreign person between 18 and 30 years old, who wants to travel the world, learn a new language, experience a new culture, and live new adventures. In exchange for that, they offer a maximum of 25 to 30 hours of help to a local family who provides food and accommodation, plus pocket money. The au-pair lives with a local family, usually helps with the children, and should be considered a member of the family and treated respectfully.

    When searching for a host family, make sure you are like-minded and have a lot of things in common. That s the key to a great experience. Some families will offer some perks, like your airfare, a language course, a monthly transportation pass, etc. Check which family offers you the best perks, but always keeping in mind that compatibility, similar ethics and lifestyle is way more important than any “perk.”

    I´m now in Switzerland, doing a very short au-pair program. I have a wonderful host family, great children and I´m very glad I had this chance to live in Zurich, while experiencing the culture through the eyes of a local family.

    Work At Summer Camps Across the United States

    Summer camps can be a great opportunity for you to travel to the States and have all your expenses met. Every summer, hundreds of American summer camps fill up with children wanting to have a great time. You can travel to another state if you want a new experience as a camp counselor, and some of the camps also hire young foreigners who want to have a taste of America and meet people from all walks of life in exchange for daily activities with kids. You won t make a fortune and you might not be able to save much, but you ll be paid and have zero expenses.

    After the summer camps are over, you have the opportunity to travel all over the United States with the money you made. You ll probably team up with other people you ve met at the camp so you won t be on your own.

    Teach English

    This is probably the most profitable work/travel opportunity out there. If you re a native speaker, you can just take a short online course or even find countries which won t require any certificate.

    If English is not your native language, you can still do it, but you should have decent English skills. Having actually completed an ESL course is a plus as well.

    Work on a Cruise Line

    This is hard work and you ll be living with the people you work with, which is not always easy — especially if you don t like or don t get along with someone. But it s a great opportunity to travel and making good money at the same time. Your ability to have time off when the ship arrives at a certain port depends on your type of job and duties. If you re in the cleaning department, you might have to work, but if you re working with other departments like entertainment, massage, hairdresser, etc, you might have time off.

    Every year many cruise lines around the world recruit people from all walks of life. If you want to sail across the world, get a CV ready and check for hiring dates. A quick Google search should tell you which cruise lines fit you better, which routes you d like to do, and who s recruiting. There are also forums where you can ask questions to people who work or have worked aboard cruises.

    Work as a Tour Guide

    Are you extrovert, communicative, and have patience to deal with people all day long?

    I believe being a tour guide or tour leader can be one of the best ways of exploring the world, get paid, and have no expenses. You might get to experience things you wouldn t otherwise. You ll meet people from all over the world and live a wonderful adventure. Some tour companies specialize in adventure travel, budget travel, spring break adventures. you ll find something that relates to you if you search for it. Contracts usually last for a year or more, so you ll have to be very available with no attachments, no pets, no and no significant other (unless you don t want to see them more than once a year!). This is easy for the early 20s, but more complicated for the older folks. I think it s a chance you could grab if you re totally free.

    Get A Temporary Agriculture Job

    I ve picked up grapes in France for 3 weeks and then had money to travel for a year — on a super low budget, not luxury traveling for sure! Usually, the money is great and the work is temporary. You ll meet other people from all over the world, mainly travelers who are also gathering some cash together. You usually get a free place to stay and some wine for your efforts. Everyone I know and who did grape picking in France said the job was super easy, relaxed and fun. Australia and New Zealand usually welcome farm workers as well.

    Workaway

    You won t be paid as a workawayer, but you should have all expenses covered, while volunteering. The Workaway website is a work/exchange volunteer type of program, with projects all over the world. I love the workaway concept of making your way around the world by volunteering and giving back to the community, while having the expenses paid and getting to know a new culture in depth. Workaway is perfect for people who want to stay a long time in a certain place for free or as a chance to learn a new language.

    Couchsurfing And BlaBlaCar

    I ve met the most amazing people through the Couchsurfing community. People are usually very open-minded and generous. If you want to travel around and have a free place to sleep, this is the best option! Remember that hosts’ homes are not a free hotel, so treat them and their space with respect, offer to cook for them, and always keep in mind you re being welcomed by a very generous person who hosted you out of kindness.

    If you want to connect with local people, hang out, make new friends, find company to do activities, check out the events page at the Couchsurfing website. There s always something going on!

    If you have a car or a van and enjoy traveling by road, using BlaBlaCar or some other type of carpooling website will meet all of your travel expenses. On these carpooling/ride share websites, people share expenses and travel by land. You have to all be heading in the same general direction, but if you take a couple of people, you re probably be able to cover 100% of the fuel costs. This is a win-win situation for all: carpoolers will have the convenience of going by car and not having to drive, and you’ll have your gas money covered. (Don’t have a car? Check it out anyway for a few outstanding cheap rides; you ll save an incredible amount of money. Oftentimes, there are free rides because some people get really bored traveling long distances alone and are happy to just have company to chat while they’re driving.)

    Making Sure Your Food Expenses Are Covered

    I didn t buy basically any food during those overland trips. I had no cash for that, so what did I do?

    Most bakeries, pizza shops, and restaurants throw away ALL the fresh food they didn t sell during that day. So I took advantage of that. When I traveled around Italy, I ate pizza nonstop: they were free and healthy, and filled with veggies and good quality ingredients. In the evening, before the bakeries or pizzerias closed, I d ask if they had any food they were about to throw away. I usually got more food than I could even carry, leaving me with dinner, breakfast and lunch for next day.

    People can be extremely generous and they have nothing to lose by offering the food. Be aware this WON T work with big chains, just small family businesses!

    I also asked around in the markets. I remember in Venezia, I got so many fresh tomatoes that I had daily delicious sandwiches. I got lots of free fruits as well. In France, I got lots of veggie burgers and other 100% organic/bio products from health food stores. They gave me excellent products that were about to expire in a couple of days. Most market vendors will give you free vegetables and fruit, sometimes more than you can carry! If you have access to a kitchen, you can eat extremely well without spending a cent.

    29/04/2017

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    Best Tibet, China Tips, Things to Do and Travel Guide #travel

    #tibet travel
    #

    Tibet Travel Guide

    http://www.virtualtourist.com/travel/Asia/China/Tibet/Xigaze-996277/TravelGuide-Xigaze.html

    Yamzho Yumco

    http://www.virtualtourist.com/travel/Asia/China/Tibet/Yamzho_Yumco-994407/TravelGuide-Yamzho_Yumco.html

    Tibet

    Tibet, also known as The Roof of the World or The Land of Snows, is a magical place. Rich in a uniques cultural, the local Tibetan people are kind, outgoing and very helpful. The. more

    Tibet, also known as The Roof of the World or The Land of Snows, is a magical place. Rich in a uniques cultural, the local Tibetan people are kind, outgoing and very helpful. The predominant religion is Buddhism and plays a very big part in the daily life of the Tibetan people. Tibet does have a large Chinese influence and is increasing steadily with an influx of Chinese settlers since Tibet came under the control of the Chinese government in 1959.

    Tibet suffered dearly during the Cultural Revolution with the destruction of many monasteries. Nearly of the monasteries have been rebuilt and reminants of the older monasteries can still be scene. Entering a monastery is like being transported back in time. The capitol, Lhasa Travel Guide. has some of the most important Monasteries in Tibet such as Jokhang and Potala.

    Tibet has some unique customs Tibet Local Customs and wonderful restaurants. Be sure to try the Yak meat.

    The political climate in Tibet is the determining factor whether the borders will be open to foriegn tourist. This can change year to year. Fortunately for 2013, the borders are open to foriegners with booked travel itineraries through a Chinese or Tibetan guide service. Independent travel is still not permited. A TAR (Tibet Autonomous Region) permit is required for entry.

    23/04/2017

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    Germany Travel – What to do in Germany #thailand #travel

    #germany travel
    #

    Dresden Christmas Markets

    Striezelmarkt Dresden

    When tourists come to Germany, it is usually to one of the larger cities: Berlin for culture, Munich for Oktoberfest, and Hamburg for the delicious fish. Many people skip over the beautiful “Florence on the Elbe,” Dresden. Located about two hours by train south of Berlin, Dresden is a well-connected and beautiful city along the Elbe River. Many Americans will recall the name of this German city from Kurt Vonnegut’s Slaughterhouse Five, but the Germans know one of Dresden’s best kept tourist secrets: the beautiful medieval Christmas markets.

    Stollen at the Dresden Christmas Markets

    One of the most popular delicacies at the Dresden Christmas markets is stollen. This cake, originally made only from flour, yeast, oil, and water, is a Saxon delicacy that can now be found throughout the Dresden Christmas markets. Similar to the American fruitcake (but so much more delicious!), it is now made with anything from marzipan to dried fruits and nuts, and the oil has long since been replaced with butter to make the cakes moist and flavorful. There is a stollen festival during the Dresden Christmas markets every year, where a 3-4 ton piece of stollen is paraded through the town.

    Buying Gifts at the Dresden Christmas Markets

    Some of the most special Christmas gifts can be found at the Dresden Christmas markets. The markets are so large; there is something there for everyone on your Christmas list. German handmade crafts are one of the most popular choices. These can include anything from blown glass ornaments to hand knitted socks and gloves for the winter. At the Dresden Christmas markets especially, the Weinacht Pyramiden, beautiful hand crafted wooden pyramids that showcase different Christmas scenes, are one of the most traditional and beloved gift options.

    Weihnachts Pyramiden at the Dresden Christmas Markets

    Speaking of the Weihnachts Pyramiden, the largest pyramid in Germany can be found at the Dresden Christmas market’s Striezelmarkt. This 14m high wooden pyramid consists of lighted structures, wooden Christmas scenes, and a beautiful spinning fan at the top. It is especially lovely with the background of the Kreuzkirche, a baroque church in Dresden. Dresden’s restored architecture is not to be missed while you’re there—take a stroll around after visiting a Dresden Christmas market!

    Be sure to check out a food tour while you’re in Dresden as well—it’s a great opportunity to get to know a different side of the city.

    22/04/2017

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    How to Do Travel Agency Jobs at Home #orbit #travel

    #travel agency jobs
    #

    Things You’ll Need

    Find a home-based travel company that is right for you. Most of these at-home travel agencies are turn-key systems, which are basic and easy to use. For example, check out KHM Travel Group and America’s Vacation Center. These organizations offer support, guidance and an array of tips to succeed in your new business. You are usually working as an independent contractor, so you will have your own business name, letterhead and website address. You will also be taxed as an independent contractor.

    Invest in an at-home office. Set aside a space in your home that will be used as your office. Even if it it just a desk and laptop in the corner of your bedroom, keep the space organized and all your materials close by. You will need a computer, Internet access, telephone, fax machine and credit card.

    A good headset may be required for long conversations and hands-free access to your computer. You can purchase basic desk supplies, such as pens, pencils, notepads, paper clips, rubber bands and more, inexpensively from an office supply store.

    Use different aspects to market your website and services. Make business cards and flyers to advertise and network. Design a company logo, and make sure it is branded on all of your promotional materials such as magnets, pens and bookmarks. Pass out materials to anyone that may one day need to book a trip.

    Media can be a good way to advertise, with inexpensive ads on the Internet and in classified ads. Your local paper and CraigsList are good places to start your marketing ventures.

    Find a niche that works well for you. If you are an avid cyclist, specialize in worldwide cycling tours. If you are a beach bunny and spend all of your vacations looking for the perfect tan, exotic beach destinations could be your specialty.

    Also, market to your friends and family. Word of mouth referrals are very important and can be extremely easy.

    Keep your website is up to date and well maintained. Nothing says unprofessional like misspelled words and bad grammar. Keep your information current, and delete anything that is irrelevant.

    21/04/2017

    Posted In: NEWS

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