Diseases Transmitted by Pigeons – pest bird removal #orlando, #birds, #pigeon,


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Pigeon Diseases

HEALTH HAZARDS ASSOCIATED WITH BIRD AND BAT DROPPINGS

Health risks from birds and bats are often exaggerated. Nevertheless, large populations of roosting birds may present the risk of disease to people nearby. The most serious health risks arise from disease organisms that can grow in the nutrient-rich accumulations of bird droppings, feathers and debris under a roost – particularly if roosts have been active for years. External parasites also may become a problem when infested birds or bats leave roosts or nests. The parasites then can invade buildings and bite or irritate people.

After a small group of students raked and swept a 20-year accumulation of dirt, leaves, and debris in a middle school�s courtyard on Earth Day�1970, nearly 400 people (mostly students) developed histoplasmosis. (92) The school�s forced-air ventilation system, which had fresh air intakes in the courtyard, was implicated as being primarily responsible for spreading contaminated air throughout the school. Results of the outbreak investigation showed that a few students developed histoplasmosis despite being absent from school on the day when the courtyard was cleaned. This finding suggests that exposures to spore-contaminated dust continued for a day or more after cleaning of the courtyard was stopped. (NIOSH – National Institute of Safety and Health)

Histoplasmosis is caused by a fungus (Histoplasma capsulatum ). The disease is transmitted to humans by airborne fungus spores from soil contaminated by pigeon and starling droppings (as well as from the droppings of other birds and bats). The soil under a roost usually has to have been enriched by droppings for two years or more for the disease organism to reach significant levels. Although almost always associated with soil, the fungus has been found in droppings (particularly from bats) alone, such as in an attic.

Infection occurs when spores, carried by the air are inhaled – especially after a roost has been disturbed. Most infections are mild and produce either no symptoms or a minor influenza- like illness. On occasion, the disease can cause high fever, blood abnormalities, pneumonia and even death. In some areas, including portions of Illinois, up to 80 percent of the population show evidence of previous infection.

The National Institutes of Health (NIH) has reported a potentially blinding eye condition – presumed ocular histoplasmosis syndrome (OHS) – that probably results from the fungus. NIH estimates that 4 percent of those exposed to the disease are at risk of developing OHS.

Pigeon droppings appear to be the most important source of the disease fungus Cryptococcus neoformans in the environment. The fungus is typically found in accumulations of droppings around roosting and nesting sites, for example, attics, cupolas, ledges and water towers. It has been found in as many as 84 percent of samples taken from old roosts. Even when old and dry, bird droppings can be a significant source of infection.

Like histoplasmosis, most cryptococcosis infections are mild and may be without symptoms. Persons with weakened immune systems, however, are more susceptible to infection. The disease is acquired by inhaling the yeast-like cells of the organism. Two forms of cryptococcosis occur in humans. The generalized form begins with a lung infection and spreads to other areas of the body, particularly the central nervous system, and is usually fatal unless treated. The cutaneous (skin) form is characterized by acne-like skin eruptions or ulcers with nodules just under the skin. The cutaneous form is very rare, however, without generalized (systemic) disease. Outbreaks (multiple cases at a location) of cryptococcosis have not been documented.

Other diseases carried or transmitted by birds affect man to a lesser degree. Psittacosis and toxoplasmosis are normally mild in man; however, serious illness or death does occur rarely. Pigeons and sparrows also have been implicated (along with many other species of birds) as sources of encephalitis viruses carried by mosquitoes.

Bats and disease

Bats are associated with a few diseases that affect people, such as rabies and histoplasmosis. Rabies is a dangerous, fatal disease, but only about 5 percent of bats submitted for testing are infected with the rabies virus. In recent years, there has been increased concern about the risk of rabies transmission following contact with bats. If an injured or ill bat is found in or around a structure, it should be removed. Because most bats will try to bite when handled. Contact our Orlando bat experts. If a bat has bitten or scratched someone, capture the bat without touching it with your hands and without crushing its head. If the bat is dead, refrigerate it (DO NOT freeze) and then contact your local health department immediately for instructions.

The incidence of histoplasmosis being transmitted from bat droppings to humans is not thought to be high. Nevertheless, fresh bat droppings (unlike fresh bird dropping) can contain the histoplasmosis fungus. Bat droppings do not need to come into contact with soil to be a source of the disease.

Ticks, mites and other parasites

Bird or bat roosts can harbor parasites that may invade buildings. Although these parasites can bite and irritate, they are unlikely to transmit diseases to humans. The northern fowl mite and chicken mite are usually the main culprits. Other parasites that may cause problems inside buildings include the pigeon nest bug and the bat bug (both related to the beg bug), soft ticks, biting lice and the pigeon fly. Although most parasites associated with bird or bat roosts die quickly after the birds or bats leave, some may live for several weeks.

Droppings, feathers, food and dead birds under a roosting area can breed flies, carpet beetles and other insects that may become major problems in the immediate area. These pests may fly through open windows or crawl through cracks to enter buildings. If birds or bats are discouraged from roosting around buildings, most of the parasites associated with them will soon die. If the pests are a problem, the roost area should be treated with a residual insecticide appropriately labeled by the U.S. Environmental Protection Agency for control of fleas, ticks, mites and similar pests.

Removal and cleanup of bird and bat droppings

If there is a small accumulation of droppings from a few birds or bats, it can be cleaned up with soap and water. If large quantities of bird or bat droppings are present, contact our Orlando Animal Control office for advice.

Our employees follow certain precautions to minimize risk from disease organisms in the droppings:

  • Cleanup should be done by Wildlife Patrol.
  • We wear a respirator that can filter particles as small as 0.3 microns.
  • We wear disposable protective gloves, hat, coveralls and boots.
  • During the cleanup, seal heating and cooling air ducts or shut the system down.
  • Moisten the droppings with a Disinfectant to keep spores from becoming airborne and keep them wet.
  • Put droppings into sealed plastic garbage bags 3 mil thick.
  • When finished and while still wearing the respirator, remove protective clothing and place it in a plastic bag.
  • Modify the structure to prevent birds or bats from reestablishing the roost.

  • 07/10/2017

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    Plumber & AC Repair Service Scarsdale NY #expert #plumbing #service


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    Do You Have a Plumbing, Furnace or Air Conditioner Repair, Replacement or Installation?

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    Expert Services, is a NY Heating, Cooling, Plumbing, Air Conditioning, Geothermal Heat Pump, Ductless Mini-Split and Furnace repair, service, replacement and maintenance Company located in Westchester County. Expert Services employs only the best plumbers technicians for plumbing repairs, air conditioner repairs, generator repairs, and furnace repairs as well as all air conditioner replacements, generator replacements, furnace replacements and boiler replacements in Scarsdale NY, Pelham NY, Mamaroneck NY, White Plains NY, Larchmont NY, Harrison NY, Yonkers NY, New Rochelle NY, & Bronxville NY. To set-up a repair service estimate or replacement estimate, call (914) 835-1670. So when you ask to find “A good heating, air conditioning and plumbing repair or service company or plumber near me,” you’ve come to the right place. Expert Services services all furnace, AC, humidifier, filter, thermostat and water heater brands including Carrier, Bryant, Payne, Trane, Lennox, Rheem, Ruud, Amana, Daikin, Mitsubishi, Fujitsu, Crown, Frigidaire, Gibson, Goodman, Lochinvar, Maytag, Weil McLain, A O Smith, Kohler, American Standard, GeoExcel, General, Aprilaire, Honeywell, White Rodgers, Dynamic and Skuttle.


    01/10/2017

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    Online Course: Film Appreciation 101 – CEU Certificate #online #film #classes,


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    Online Class: Film Appreciation

    Course Description

    ‘Film Appreciation for Modern Audiences’ is intended as a journey through the world of film. It is a sampling of the thought and accumulated critical opinion that forms the basis of the modern stature of 100 years of film-making–as art or culturally important dramatic work.

    If you love film, then this course will help you learn more about film analysis, film reviews and discussions, period genres and movements in film style, and more. It will provide you an informed opinion that will hopefully make your enjoyment of the film medium deeper.

    This course may be useful for professionals who need to be informed and conversant about the film-industry; for the layman who wants to know as much as he/she can about the world of film for personal enjoyment; or for the student, hoping to become familiar with the ‘lay-of-the-land’ for film-criticism.

    Lessons include discussions on the following:

    • How you can get real enjoyment from the films you watch, and why you should care
    • Early film-history
    • The process of film-making and how it relates to understanding the films you watch
    • A look at 100 years of film-styles, genres and movements
    • A discussion of film-psychology, and some fascinating aspects of the perception of films
    • A review of ‘films to watch’, taken in 20-year periods starting in 1900, and moving through 2007, featuring all the classics from each era
    • General ideas about film and art-theory as a consumer habit
    • Film composers to know
    • Film directors to know
    • How to get your twenty-dollar’s worth at the movie-theater
    • New ways to enjoy film and new audience technologies
    • And much more

    Lesson 1: The Value of Film Viewing

    This lesson asks the question, “Why do we enjoy watching movies?”

  • Lesson 2: Early Film History

    This lesson describes the evolution of filmmaking, the inventors, and early actors.

  • Lesson 3: The Filmmaking Process

    This lesson describes the different phases of the filmmaking process.

  • Lesson 4: 100 Years of Film Styles and Movements

    This lesson describes how technology, culture, and current events affect movie making.

  • Lesson 5: Film Psychology

    This lesson describes how writers and directors can get reactions from movie goers.

  • Lesson 6: Films To Watch:1900 — 1960

    This lesson explores the popular, classic, and well-made pictures of this era.

  • Lesson 7: Films to Watch 1960 — 2007

    With new technology, popular movies are changing. Here are some of the most popular.

  • Lesson 8: General Ideas on Art Theory as a Consumer Habit

    This lesson focuses on questions of art theory. What makes movies “art” or “classic?” What makes a picture “good” or “bad?”

  • Lesson 9: Film Composers to Know

    This lesson lists many of the most popular movie composers, and some of their greatest hits.

  • Lesson 10: Film Directors to Know

    This lesson lists influential film directors of the past and the present.

  • Lesson 11: How to Get Your Money’s Worth at the Movies

    This lesson examines how box office receipts are influenced by the reviews, and by consumer likes and dislikes.

  • Lesson 12: New Ways to Enjoy Film, Technology, and the Future

    This lesson examines some of the new technology available for watching movies.

  • Lesson 13: Personal Enrichment as a Film Audience Consumer

    This lesson provides insight into “reality” versus “big screen.”

  • Additional Course Information

    • Document Your Lifelong Learning Achievements
    • Earn an Official Certificate Documenting Course Hours and CEUs
    • Verify Your Certificate with a Unique Serial Number Online
    • View and Share Your Certificate Online or Download/Print as PDF
    • Display Your Certificate on Your Resume and Promote Your Achievements Using Social Media

    Course Title: Film Appreciation

    Course Number: 7550484

    Languages: English – United States, Canada and other English speaking countries

    Course Type: General Education

    CE Accreditation: Universal Class, Inc. has been accredited as an Authorized Provider by the International Association for Continuing Education and Training (IACET).

    Grading Policy: Earn a final grade of 70% or higher to receive an online/downloadable CEU Certification documenting CEUs earned.

    Assessment Method: Lesson assignments and review exams

    Duration: Continuous: Enroll anytime!

    By successfully completing this course, students will be able to:

    • Describe the value of film viewing.
    • Know early film history.
    • Know the filmmaking process.
    • Define 100 years of film styles and movements.
    • Define film psychology.
    • Describe general ideas on art theory as a consumer habit.
    • Describe new ways to enjoy film, technology, and the future, and
    • Demonstrate mastery of lesson content at levels of 70% or higher.

    Student Testimonials

    • “I appreciate the availability and the comments made on my work.” — Carlos G.
    • “I liked the summaries of the different film, directors,and composers. Some of the aesthetic principles were interesting also.” — Linda B.

    Related Courses


    01/10/2017

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    Foreign Money Transfer Rates – Money Expert #traveling #by #train

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    Travel Insurance

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    None News

    People who are looking into taking out buy to let mortgages are increasingly switching away from trying to buy property at the high end of the market. Instead it now appears that they are focusing on buying cheaper property because of the higher returns that they could potentially see on rent levels.

    In recent times the London property market has become associated with charging huge prices luxury level homes. However, recent analysis has revealed that prices for top-end property in the capital are not as high as similar properties elsewhere in the world.

    As mortgage lending rates rise, Nationwide Building Society has announced a surge in profits leading to its “best ever half-year” of lending.

    25 Nov 2015

    In what is has been hailed as a first for any financial services provider in the UK, Barclaycard have announced that they’ll be offering free credit score access to all of their 10.5 million customers.





    22/09/2017

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    OSS Law Enforcement Advisors #oss #law #enforcement #advisors #oss #law #enforcement


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    Expert Witness Consultants, Law Enforcement and Jail Detention Policies, Risk Management and Training

    OSS Law Enforcement Advisors� [OSS] is an Expert Witness and Law Enforcement Consulting agency comprised of Subject Matter Experts dedicated to improving both public and private law enforcement and security operations.

    Our combined law enforcement experience encompasses more than 110 years of professional expertise in law enforcement, jail, security, correctional care and criminal justice fields. Our field-experienced staff is certified by local, state, or national organization(s).

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    Expert Witness Consultants

    OSS Subject Matter Experts have been retained in 1,200+ liability-related cases. Should the need ever arise; we are available to provide your defense team with expert litigation support. [Expert Witness Consulting Services ]

    From very straightforward initial analysis to standing for you in court as a testifying expert we have the expertise to put behind your case. Here are some common formats for our expert witness services:

    Policy Procedures

    OSS� policy and procedures assist Sheriffs, Chiefs of Police, jail detention operators, and correctional care facilities by providing professional policies in order to better manage their operations. OSS policy and procedures are also widely used by campus school police and security departments and risk managers throughout the country. [Law Enforcement, Jail Detention, Communications Center Policies Procedures ]

    Policy Development

    OSS Subject Matter Experts develop agency specific policies from our existing Law Enforcement . Jail Detention . and Communications Center Policy Procedures policy sets. OSS SMEs are recognized in both federal and numerous state courts and are well versed in the latest evolving industry best practices and court decisions, and regularly teach law enforcement officers, jailers, risk managers and attorneys.

    With 2,000+ policy clients, a unique source of policy development input comes through actual incidents, opinions, and perspectives shared by agency Chiefs of Police, Sheriffs, and cases OSS has been retained in as experts. [Policy Development Services ]

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    OSS Law Enforcement Advisors� provide both, public and private clients with the appropriate processes, methods, and tools necessary to reduce the risk of loss of human life or property.

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    07/09/2017

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    Welcome to Open Campus! #mcse, #mct, #mcp, #microsoft #certified, #systems #engineer,


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    Our Mission.

    The mission of RCCD Distance Education (formerly Open Campus) is to extend access to learning through distance education. Objectives: To facilitate learning at a distance, Distance Education provides:

    • Educational technology to the colleges, faculty, and students to support the delivery of online-based courses and services
    • Professional development and training for faculty
    • Expertise and experience
    • Blackboard management, production and problem solving.

    As of April 21, the Open Campus department has changed its name to Distance Education. We thank you for your patience as we work to complete the changes to website by the middle of summer.

    What Are Online Based or Distance Education classes?

    Online-based courses, also called Distance Education classes, may take two different forms:

    Online classes are taken exclusively over the Internet. Please note that, while some online courses provide all instructional content over the Internet, others may require some on-campus meetings. Please see the course schedule or WebAdvisor for more information.

    Hybrid classes meet both on campus and online. Think of them as a combination or blending of online classes and face-to-face classes.

    In a hybrid class, you will attend meetings on campus during the dates and times listed in the schedule of classes. Since the on-campus portion of hybrid classes could take place at any of our three colleges (Riverside City, Norco or Moreno Valley), hybrid classes are listed in the schedule by the college where the on-campus meetings will take place.

    Are there Face-to-Face classes that use the Internet?

    Web-Enhanced classes are traditional face-to-face classes that are supplemented with course websites and the use of Internet resources. Unlike hybrid or fully-online classes, all web-enhanced class meetings take place on campus.

    Where Do I Start?

    For more information about Blackboard and support, visit
    Students page


    27/08/2017

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    Travel Website Hosting – FREE WebSite Builder, Expert 24 #svr #travels

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    17/08/2017

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  • California Lemon Law Attorneys and Lawyers #california #lemon #law #attorneys, #lemon


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    As a California resident. you have rights under our California lemon law .

    Under the California lemon law you have the right to a repurchase of your vehicle proven to be a “lemon” under the state statute.

    Under the California lemon law you have the right to receive a refund based upon the original acquisition price of the vehicle, less a charge for usage based upon the odometer miles at the first of what became repeated repair attempts.

    Under the California lemon law you have the right to the attorney�s fees and costs being billed to the automobile manufacturer, not you.

    Under the California lemon law you have the right to ask for a new replacement vehicle for your defective new vehicle, if both you and the manufacturer agree upon it.

    Under the California lemon law you have the right to hire our law firm with no out-of-pocket expenses.

    Under the California lemon law you have the right to keep your vehicle and pay us nothing if we do not reach settlement on your case.

    California residents who purchased their new or used car, SUV, truck, van, cross-over, or motorhome with a manufacturer’s warranty have lemon law rights when their purchase (or lease) has been subject to too many repeated warranty repairs. In fact, the California lemon law is one of the strongest lemon laws in the nation. It offers the best consumer protection, has built-in provisions for attorneys fees and costs, and bases the refund upon the initial purchase price, not the current value of the vehicle. Having California’s largest statewide lemon law attorney firm represent you in a lemon law case/claim is your best consumer protection and representation choice.

    If you’re having any type of repeated mechanical problem(s) with your vehicle, we encourage you to use our free auto expert question/answer feature. Please CLICK HERE to post your question. Your question to our auto expert Randy Sottile, and his answer back to you will be kept confidential to your email address, and not shared with anyone else.

    Call1-858-342-0073or email the Lemon Law Auto Expert, Randy Sottile, about your vehicle problems/issues!

    Repeated warranty repairs? Unsafe vehicle? Dealer not getting your vehicle repaired? Are you “done” with your defective vehicle, and want it bought back? Need to know what your legal rights are under our California lemon law? You may have a California lemon law claim and case that will allow you to return the vehicle under the California state lemon law statute for a buyback and get a refund of all the monies and payments you have made, as well as a payoff of any loan or lease balance. California lemon law cases can also settle with the manufacturer replacing the offending new lemon vehicle with a new, current year model of your choice of the same MSRP price. In some cases we can negotiate with the manufacturer to allow you to keep your vehicle (if you desire to) and receive a payment in the thousands of dollars for the inconvenience you have encountered with all the past repair visits. Call us today at 1-800-225-3666 and receive a free California lemon law consultation.

    California lemon law relief for all California residents. Your lemon law rights are all within the California lemon law statute, which is located on this website. The California lemon law (Song-Beverly Consumer Warranty Act, and the Tanner Consumer Protection Act / California Civil Code Section 1793.2, 1793.22) was enacted to protect California consumers from having to deal with repeated repair visits back to the dealership for factory warranty repairs.

    Has your new or used vehicle been in the shop over and over again for dealer warranty repairs? You may have a California lemon law claim and case that will allow you to return the vehicle under the California state lemon law statute for a buyback and get a refund of all the monies and payments you have made, as well as a payoff of any loan or lease balance. California lemon law cases can also settle with the manufacturer replacing the offending new lemon vehicle with a new, current year model of your choice of the same MSRP price. In some cases we can negotiate with the manufacturer to allow you to keep your vehicle (if you desire to) and receive a payment in the thousands of dollars for the inconvenience you have encountered with all the past repair visits.

    Any new or used vehicle that has remaining factory warranty coverage, or manufacturer “Certified Pre-Owned” used car warranty coverage may be a candidate for consumer protection under the California lemon law.

    Consumer information on lemon law warranty repair attempts: To protect your legal rights for a potential California lemon law claim/case, we suggest the following. When visiting your authorized dealer for repairs to your vehicle under the manufacturer�s warranty, be sure that the wording on the Repair Order of your complaint are your words of your description of the problem/symptom, not the Service Advisors interpretation of what you are saying. Equally important for a California lemon law claim/case is that when the vehicle goes back for a “repeat of same problem/symptom”, that you keep the customer complaint wording consistent on each Repair Order in sequence. This adds strength to your California lemon law case. Mentioning possible action under the California lemon law to the Service Advisor is not recommended. Discussing your vehicle being a “lemon” will almost certainly “flag” your vehicle, and more than likely it would come back after a repair with “could not duplicate customers concern”. Manufacturers are very savvy on lemon law issues – and so are their dealers. After all, they have trained them.

    If you are missing any Repair Order invoices, you can request copies of them from your Service Advisor. The Service Advisor can also print out what is known as a “warranty repair history printout”, which details all repair visits to any/all authorized dealers for warranty repairs. Again, it is best not to mention “lemon law” to the Service Advisor as you will likely not get the copies of the documents you are requesting. A California lemon law case and claim are predicated upon Repair Order Invoices. These are the proof of your claim and repair attempts. Keep them in a safe place, away from your vehicle.

    Important lemon law rights notice to consumers with vehicles with recently expired factory warranties: If your vehicle is outside of the factory “bumper-to-bumper” or “powertrain” warranty, you may still be eligible for relief under the California lemon law. If you have had four (4) or more repair attempt visits at an authorized dealership for the same issue/problem/complaint before expiration of factory warranty coverage, and have repair order invoice documents that support this (or you get a warranty repair history printout from your dealer), you may be eligible for a substantial cash settlement under the lemon law. If you gave the automobile manufacturer written or verbal notice (telephoned in to Customer Assistance Center) of the continued warranty non-conformity issues during the warranty coverage period and continue to have the same issue/problem/complaint, you may potentially entitled to a repurchase (buyback) of your vehicle, even though it is out of factory warranty. We invite you to call us to discuss your out-of-warranty vehicle’s problems and warranty repairs history. The same applies to “Certified Pre-Owned Warranty” used vehicles, which enjoy the same lemon law protection as new vehicles.

    The California lemon law also requires that the automobile manufacturer pay for the consumer’s hourly attorney’s fees on a case and claim that settles for a repurchase (buyback), new replacement vehicle, or a cash settlement payment. This makes the lemon law economically feasible for consumers who would not otherwise be in a position to hire a lemon law attorney.

    We are a California-based statewide lemon law attorney firm, with offices throughout California. Our 28 years of experience with all of the automobile manufacturers, and over 15,120 successful cases makes our firm the easy choice for the consumer desiring lemon law relief with highly competent representation by trained lawyers. Many cases are settled in as little as 10 days.

    Mr. McGee personally handles all lemon law case communications with the automobile manufacturers, as well as with each of his clients. He aggressively pursues each California lemon law case for the best possible outcome for each client. The personalized service each client receives from Mr. McGee – and all associates of the firm – is unique to our area of law practice. We offer a level of professionalism, patience, quality communication and understanding rarely seen – but greatly appreciated – in today’s fast-paced legal field.

    We have added a new California Lemon Law blog page . Here you will find timely topics directly, or relating to California lemon law. There are many consumer advocate topics on how to build your best lemon law case. Repair documents, dealing with your Service Advisor, retrieval of lost repair documents and more. Everything you need to be an informed consumer on the California Lemon Law.

    Presione aqu� para leer nuestro sitio en espa�ol. Presione aqu� parainformarse si usted tiene un caso.

    The Law Offices of William R. McGee
    California’s Largest Lemon Law Firm SM
    1-800-225-3666


    26/07/2017

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    California DUI Lawyers #alcoholic #beverages,alcoholic #substances,best #dui,border #style,calaveras,california #california,california #dui,california #lawyer,california


    #

    Click your county to be connected with local DUI attorneys in California.

    Incurring a DUI Charge in California

    It is imperative that you seek legal counsel from the best DUI lawyer in your area after being charged with driving under the influence in the state of California. A top lawyer knows the ins and outs of the DUI laws in the state and will represent you to the fullest ability. Don’t get stuck having to pay exorbitant fines, having your license revoked or undergoing community service; the expert DUI lawyer you choose from our network will ensure that your charges are dropped or dismissed. Call today to get your DWI claim underway.

    Dealing with a driving under the influence charge in California is not easy. Even first time offenders don’t get off very easily and are hit with severe penalties. The most difficult aspect about incurring a DUI in the state is that DWI laws can vary greatly from city to city. However, California as a whole is tightening the reins on DWI punishments.

    As of this year, motorists will have larger penalties when it comes to driver’s license suspension and revocation. The state also has employed a “no tolerance” policy for anyone who is caught driving under the influence under the age of 18 and for repeat drunk driving offenders. If you have incurred a DUI in California, the best thing to do would be to hire an elite team of Los Angeles DUI lawyers to help you fight your charges, and we are here to ensure you partner up with your ideal paralegal.

    General Laws in California

    The state of California has very strict penalties for DUI offenders that are minors, offenders under 21 years of age and for repeat offenders. Laws in California state that a motorist may be charged with driving under the influence (DUI) if any of the following circumstances are present:

    • If you are under the age of 21 and are operating a vehicle after consuming alcoholic beverages. Persons under 21 may not have any alcoholic substances in their vehicle when driving alone. (Exceptions may be made for work-related driving).
    • If you are under the age of 21 and your BAC level is .01 percent or higher.
    • If you are under the age of 21 and are driving after having consumed alcohol in any form. This includes prescription drugs and over the counter medications.
    • If you are over the age of 21 and your BAC level is .08 percent or higher.
    • If you are a commercial driver with a BAC level of .04 percent or higher
    • If you are under the age of 18 and have ANY measurable blood alcohol concentration.
    • If you are a repeat offender and your BAC level is at .01 percent or higher.

    How DUI Offenders are Penalized in California

    If you have incurred a DUI in California and are found guilty, the following are the punishments that you may be issued:

    1st Conviction

    • Imprisonment from 96 hours to 6 months
    • Fines from $1,000 to $1,600
    • Driver’s license suspension for 6 months
    • Mandatory completion of DUI Program
    • Possible court order to install ignition interlock device
    • California SR-22 Insurance required for restricted license

    2nd Conviction

    • Imprisonment from 90 days to 1 year
    • Fines from $1,000 to $1,900
    • Driver’s license suspension for 2 years
    • Mandatory completion of DUI Program
    • May be eligible to apply for interlock ignition device (IDD) restricted driving
    • California SR-22 Certificate required for restricted license

    3rd Conviction

    • Will be designated Habitual Offender
    • Imprisonment from 120 days to 1 year
    • Fines from $1,000 to $2,000
    • Driver’s license suspension for 3 years
    • Mandatory completion of DUI Program
    • Mandatory installation of ignition interlock device
    • May apply for restricted driver’s license after 1 year
    • California SR-22 Certificate required for restricted license

    4th Conviction

    • Imprisonment from 180 days to 1 year
    • Fines from $1,000 to $3,000
    • Driver’s license suspension for 4 years
    • Mandatory completion of DUI Program
    • Mandatory installation of ignition interlock device
    • May apply for restricted driver’s license after 1 year
    • California SR-22 Certificate required for restricted license

    Repeat Offenders

    California has a zero tolerance police for repeat DUI offenders. As such, the maximum possible penalty for driving under the influence may be issued to motorists who are convicted. Repeat Los Angeles DUI offenders may be denied application for a restricted license as well. The state of California takes all previous charges into account when issuing penalties for a new one. This may lead to a motorist being charged with a misdemeanor or felony DWI. All repeat DUI punishments are also affected by where the driver was issued the charge as well as the driver’s BAC level at the time of arrest.

    Recent Amendments to California DUI Laws

    As of 2011, California DWI laws have expanded the number of categories by which the Department of Motor Vehicle (DMV) can immediately suspend driving privileges when the motorist is suspected of driving under the influence.

    As of 2010, California law requires the mandatory installation of ignition interlock devices. The state also shortened the time period in which driving penalties are restricted, including those for repeat offenders. In order for the penalty period to be shortened, motorists must pay all required fees and file an SR-22 insurance form.

    California Assembly Bill 91 – Requires that ignition interlock device manufacturers provide information to the Department of Motor Vehicles. Also requires the DMV to establish a pilot program in Alameda, Los Angeles, Sacramento and Tulare that requires a driver to install an interlock ignition device and to participate in alcohol and drug assessment programs.

    California Assembly Bill 1165 (Zero Tolerance Law For Repeat Offenders) – Makes it unlawful for a motorist under probation for a violation to operate a motor vehicle with a BAC level of .01 percent or higher.

    California Senate Bill 1190 (Ignition Interlock Devices) – Lowers the minimum BAC level at the time of arrest to allow a motorist to install an ignition interlock device on their vehicle as well as prohibits said motorist from operating the vehicle without the device.

    California Senate Bill 1388 (Interlock Devices) – Effective July 2009, requires motorists to install an ignition interlock device immediately on their vehicles following conviction of violating DUI provisions as well as driving under a suspended/revoked license due to DUI-related convictions. The number of violations will determine the time period in which the device must remain installed.

    California Assembly Bill 2802 (Reckless Driving) – Court must order DWI convict to participate in a program related to DUI education and treatment. Probation will be revoked if motorist does not enroll in the program.

    California SR-22 Insurance Click here for SR-22 Insurance

    If you have been convicted of drunk driving in California, you may be required to obtain a California SR-22 insurance policy. Also known as a California Proof of Insurance Certificate,” the SR-22 form is not a type of insurance, but a form of proof that you have certain types of insurance. It is filed by the driver’s insurance company to the state DMV stating that auto liability insurance is in effect for the motorist. It is typically required after a motorist has been charged with DWI, a number of other traffic offices, or an accident in Los Angeles, San Diego or San Francisco.

    In California, if your license is suspended you are allowed to obtain a restricted license by the court, for which an SR-22 form may be required. If your auto insurance is cancelled, you will need to file for a new insurance plan within 45 days.

    Seek Legal Help Immediately if You Were Charged with California DWI

    If you have been charged with DUI, time is of the essence to fight your charges. Since penalties in the state are so severe, you need a top drunk driving lawyer to help you contest your charges. We are here to provide you with connections to the best and most sought-after attorneys in California who will take on your case and ensure the best possible resolution for it.

    When you work with one of our elite Los Angeles, California DUI lawyers, you can rest assured that your charges will either be significantly reduced or even wiped out altogether. For superior legal counsel that you can rely on, turn to one of our esteemed California DUI attorneys today to discuss your options and file a case.


    24/07/2017

    Posted In: NEWS

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

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    Airfare Expert: Cheapest times to fly in 2013 #cheapest #travel #deals

    #airfares cheap
    #

    Airfare Expert: Cheapest times to fly in 2013

    Spring is a great time to go to Europe because the weather s good and you can save a couple of hundred bucks over summer prices. Cities, like Budapest, often have colorful floral displays as well. (Photo: Veronica Gould Stoddart, USA TODAY)

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    If you must fly in the peak of the summer, you might as well quit reading now, as airfare will be consistently high. But if your plans are more flexible, you can save big by choosing the right time to book your trip. There are five cheap periods to fly during 2013 and one of those times is right now:

    1. Most of January

    Once the major holidays have passed, prices for January take a dive, which is why it’s considered the number one airfare dead zone. This week is the start of the prime window, as the final wave of higher-priced New Year’s flights subsides.

    Exception: We are seeing higher prices (and airfare sale blackout dates) on flights to/from Washington, D.C. on the days just before and after Jan. 20, the date of the presidential inauguration.

    2. Early February

    February can be very cheap, with these exceptions: Avoid travel to New Orleans early in the month (that’s where the Super Bowl will be played on Feb. 3) and also avoid flights to/from Las Vegas because a lot of folks head there for game-day partying. Luckily, Feb. 14 falls on a Thursday this year so you should be okay if you want to go someplace romantic; when Valentine’s Day is on a weekend, prices can jump.

    One last exception: Watch out for Spring Break travel to rev up in the latter part of the month, which always drives up ticket prices.

    3. Late spring for Europe

    Spring is a great time to go to Europe because the weather’s good and you can save a couple of hundred bucks over summer. Rule of thumb: peak pricing typically kicks in around May 15.

    4. Almost any holiday

    You probably know that flying on the big day itself – such as Thanksgiving or Christmas – is a lot cheaper than the dates surrounding the holiday, but it’s usually true for the Fourth of July, Memorial Day and Labor Day as well. It’s very simple; people don’t want to waste their holidays at the airport but if you don’t mind a few hours of tedium, you will save money.

    5. The cheap weeks of Nov. and Dec.

    Call it the pre- and post-holiday periods. One of these is the two-week period at the start of Nov. – what I call the pre-Thanksgiving airfare bargain time. The other comes after Turkey Day (which falls on Nov. 28 in 2013), beginning right about Dec. 3 and continuing until about Dec. 18. Most people will travel during holidays of course so these weeks are total dead zones and tickets are priced to move.

    455 CONNECT TWEET 40 LINKEDIN 9 COMMENT EMAIL MORE





    11/07/2017

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    International Travel Expert Online Booking: Fast & Easy Travel #travel #insureance

    #easy travel
    #

    Fast and Easy Travel is a Pan-European travel company specializing in worldwide travel. At Fast and Easy Travel, we offer a wide range of travel products including a choice of over 60 airlines, more than 25,000 hotels, holidays, car hire and insurance. We pride ourselves in our passion for travel and in strong customer experience. We offer a full range of travel products through our retail outlet in China Town, by telephone and on line

    Company background

    Fast and Easy Travel is a trading name of the Moresand Group of companies (established 1986) registered in England No. 2114691 based at 38 Riding House Street, London W1W 7ES. We hold IATA and ATOL issued by Civil Aviation Authority and provide expertise in Flights, Hotels, Car, Travel Insurance, Holiday Packages and last minute deals.

    Why Fast and Easy Travel?

    Customers visit Fast and Easy Travel for its travel expertise, range and value. Plus, the company is able to offer travel products at very competitive prices. The company continues to grow in popularity because of its close relationships with leading travel suppliers enabling it to offer some very good rates to its customers. Fast and Easy Travel sells to destinations around the world and has a particular specialty in long and mid haul destinations including Asia, Far East and the China. We believe in giving good service, good value and honest advice to our clients Our online service is available 24/7 and can be accessed at all times for booking and research.

    Passion for Travel

    Fast and Easy Travel has some staff who have worked for more than 10 years and have extensive travel backgrounds. We take great pride in our repeat business and recommendations from our satisfied customers. We are enthusiastic about our travel services and also welcome you to avail of our online services as and when required.

    A Range of Great Value Holidays

    Whether you are looking for an entire package or customize packages, we can offer unrivalled value and quality.

    Accomodation

    Booking your accommodation through Fast and Easy Travel can save you valuable time and money. We have a wide spectrum of accommodation to meet all requirements whether in the UK or any other part of the world.

    Travel Extras

    Fast and Easy Travel offers Travel Insurance, Car hire, Airport parking facilities, Airport lounges as well as assistance with processing visas for China, India, and Haj.

    Arrange car hire online:

    You can arrange your car hire with the biggest car hire companies, such as: Worldwide Cars.

    Fast and Easy Travel offers travel insurance, airport parking facilities, airport lounges as well as assistance with processing visas for China /India/USA





    17/06/2017

    Posted In: NEWS

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    International Travel Expert Online Booking: Fast & Easy Travel #where #to

    #easy travel
    #

    Fast and Easy Travel is a Pan-European travel company specializing in worldwide travel. At Fast and Easy Travel, we offer a wide range of travel products including a choice of over 60 airlines, more than 25,000 hotels, holidays, car hire and insurance. We pride ourselves in our passion for travel and in strong customer experience. We offer a full range of travel products through our retail outlet in China Town, by telephone and on line

    Company background

    Fast and Easy Travel is a trading name of the Moresand Group of companies (established 1986) registered in England No. 2114691 based at 38 Riding House Street, London W1W 7ES. We hold IATA and ATOL issued by Civil Aviation Authority and provide expertise in Flights, Hotels, Car, Travel Insurance, Holiday Packages and last minute deals.

    Why Fast and Easy Travel?

    Customers visit Fast and Easy Travel for its travel expertise, range and value. Plus, the company is able to offer travel products at very competitive prices. The company continues to grow in popularity because of its close relationships with leading travel suppliers enabling it to offer some very good rates to its customers. Fast and Easy Travel sells to destinations around the world and has a particular specialty in long and mid haul destinations including Asia, Far East and the China. We believe in giving good service, good value and honest advice to our clients Our online service is available 24/7 and can be accessed at all times for booking and research.

    Passion for Travel

    Fast and Easy Travel has some staff who have worked for more than 10 years and have extensive travel backgrounds. We take great pride in our repeat business and recommendations from our satisfied customers. We are enthusiastic about our travel services and also welcome you to avail of our online services as and when required.

    A Range of Great Value Holidays

    Whether you are looking for an entire package or customize packages, we can offer unrivalled value and quality.

    Accomodation

    Booking your accommodation through Fast and Easy Travel can save you valuable time and money. We have a wide spectrum of accommodation to meet all requirements whether in the UK or any other part of the world.

    Travel Extras

    Fast and Easy Travel offers Travel Insurance, Car hire, Airport parking facilities, Airport lounges as well as assistance with processing visas for China, India, and Haj.

    Arrange car hire online:

    You can arrange your car hire with the biggest car hire companies, such as: Worldwide Cars.

    Fast and Easy Travel offers travel insurance, airport parking facilities, airport lounges as well as assistance with processing visas for China /India/USA





    12/05/2017

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    Foreign Money Transfer Rates – Money Expert #flight #reservations

    #travel insurance comparison
    #

    Travel Insurance

    Compare Travel Insurance policies from leading UK insurers

    Travel Insurance with no upper age limit

    Travel in confidence with the best insurance for you. MoneyExpert has teamed up with Just Travel – one the UK’s best providers of Travel Insurance.

    About Just Travel

    Since 2004 Just Travel Insurance has established itself as a market leader in the provision of competitive quality travel insurance in a highly specialised market. It’s a unique, progressive company.

    Their vision has been increasingly focused on providing Travel Insurance products at affordable prices for the more complex, medical risk.

    Just Travel FAQs

    Can my travel companions, who don’t have a medical condition, be covered on the same travel insurance policy?

    Yes, it makes sense to cover yourself and your travelling companions on the same travel insurance policy. You will need to declare your own medical conditions and answer our easy medical screening questions. If your companions don’t have any medical conditions to declare, that’s fine, you can just click continue at that stage.

    Is the information you collect secure?

    Yes our website collects your personal information securely using a secure SSL certificate. Information exchanged with any address beginning with https is encrypted using SSL before transmission

    How can I find out more information about a specific travel insurance policy?

    If you have a question about any of the travel insurance policies available on our website please call us on 0800 294 2969 and we will be happy to help.

    How do I add winter sports cover to my travel insurance policy?

    You can add winter sports cover to a single trip travel insurance quote or an annual travel insurance quote. Once you enter the dates of your trip and declare any pre-existing medical conditions you will be asked if you want to add any additional travel insurance cover. You can add winter sports cover at this point. Once you do that all of the travel insurance prices that you are shown will include cover for wintersports.

    I’m going on a cruise, how do I make sure I’m covered on my travel insurance?

    When you get a quote for travel insurance on Justtravelcover.com the first question you need to answer is the type of travel insurance cover you require. If you are going on a cruise holiday you should select cruise insurance at this point.

    I live outside the UK, can I get cover?

    No, the travel insurance policies we compare are only available to UK and Channel Island residents.

    What do I do if I don’t receive my travel insurance documents or I need another copy?

    When you buy online you should receive a copy of your travel insurance policy documentation by email within minutes of completing your purchase. If you don’t receive them please call us on 0800 294 2969 and we will be happy to help.

    How do I find out what is covered by each travel insurance policy?

    When you get a travel insurance quote you will be presented with a selection of policies. At this point you can see the schedule of benefits for each policy so that you can compare the cover provided and make a choice.

    What if I change my mind, can I get my money back?

    All travel insurance providers have to offer a 14 day cooling off period. This gives you time to read through the policy wording carefully to check whether it provides the cover you need. If you decide that the policy is not right for you, you will be able to obtain a full refund if applied for within this period.

    None News

    People who are looking into taking out buy to let mortgages are increasingly switching away from trying to buy property at the high end of the market. Instead it now appears that they are focusing on buying cheaper property because of the higher returns that they could potentially see on rent levels.

    In recent times the London property market has become associated with charging huge prices luxury level homes. However, recent analysis has revealed that prices for top-end property in the capital are not as high as similar properties elsewhere in the world.

    As mortgage lending rates rise, Nationwide Building Society has announced a surge in profits leading to its “best ever half-year” of lending.

    25 Nov 2015

    In what is has been hailed as a first for any financial services provider in the UK, Barclaycard have announced that they’ll be offering free credit score access to all of their 10.5 million customers.





    04/05/2017

    Posted In: NEWS

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    Five expert tips for getting started in travel writing – Lonely

    #travel start
    #

    Five expert tips for getting started in travel writing

    by Don George Aug 09 2013

    So you say you want to be a travel writer? You want to wander the world, sending back tantalising tales of far-flung adventures to magazines, newspapers and websites. And get paid handsomely for it. Is that too much to ask?

    Pin this image Woman with a laptop on Campos do Jordao, Sao Paulo. Image by Superstudio / Taxi / Getty Images.

    Well, surveying the scene of travel publishing right now is a little like trying to describe a landscape that’s in the middle of a prolonged earthquake. We know there’s a whole lot of shaking going on, but we really don’t know what it will look like when the shaking stops.

    As for the getting paid handsomely part, we can be pretty sure about that and let’s just say: don’t quit that day job quite yet.

    The overview is this: newspapers and magazines are still viable and alluring outlets, but they’re slimmer than they used to be, so the competition for a diminishing number of article slots is more intense than ever. On the other hand, as the internet evolves, the world around the internet – the readers, travelers, travel industry providers, advertisers, sponsors, and technology tool makers – evolves as well. And these overlapping evolutions create more and more online opportunities for travel writers.

    So what does all this mean for would-be travel writers? It means there are more ways to get published than ever before. It also means there are more ways to make money than ever before. And these two combined mean there are more people trying to make money from travel writing than ever before. The resulting truth is this: more people are making less money than ever before in the history of travel writing.

    Related articles:

    Pin this image ‘Dear Diary’ by Ken Banks. CC BY 2.0.

    But let’s focus on the positive and talk about what you can do to maximise your chances of becoming a travel writer.

    1. Construct a portfolio presence online

    If you want to launch yourself as a travel writer today, it’s essential to create at least a portfolio website, if not a blog: this is a digital billboard where you can present your biography, past and upcoming travels, and social media feeds, and where you can begin to showcase your articles, photos and videos. In the ever-more-congested world of travel content creators, this site is your multi-layered, multimedia portal to the readers, viewers – and editors – you’re trying to reach. So, build your portfolio platform now!

    2. Nurture a niche

    With thousands of wannabe writers roving the blogosphere, you need to separate yourself from the crowd. Choose a destination, activity or subject that impassions you, and own it. Hone your expertise in this area – whether it’s biking, bagels, or Belize (or better yet: biking for bagels in Belize!) – and share your knowledge with authority, style and passion. Post about it on Facebook and Twitter, blog about it, write comments on other people’s sites and online forums and chats. Do this assiduously and over time you may become a go-to authority on the subject; this can widen your readership and even attract the attention of larger media outlets that may invoke you as an expert and so further publicise you and your site.

    Pin this image Backpacking Indonesia by Keith Parker. CC BY-SA 2.0

    3. W iden your world by starting small

    Counterintuitive as it may seem, in the same way that it makes sense to focus your content, it also makes sense to closely focus any initial beyond-your-own-blog publishing efforts you’re inspired to make. Want to see your name in print? If your town has a local newspaper, pitch some stories to the features editor. If you’ve found a website you especially admire, contact the editor or producer to see if you might contribute content on a subject that requires your special expertise. If there’s a magazine that touches on a subject you love, study the small pieces that appear in the front of the magazine and pitch a story or two to that section’s editor. Your ultimate goal is to develop a relationship with an editor or producer that will give you a regular outlet for your pieces – and a potential springboard to a wider world beyond.

    4. Network online and offline

    As mentioned in #2, cultivate your connections through the social media siblings, others’ websites and online conversations.  Do the same offline: attend meet-ups, workshops and conferences. For travel writers and bloggers, multi-day annual gatherings such as TBEX. TBU and the Book Passage Travel Writers Photographers Conference are excellent places to meet members of your tribe, learn invaluable information and explore new beverages.

    5. When you write, know the point of your piece

    In 25 years of travel editing, the biggest mistake I’ve seen writers make has remained the same: they don’t know the point they’re trying to make, so they can’t possibly communicate it. When you sit down to write your tips and tales from the road, ask yourself: what do I want the reader to learn from this? What’s the take-away? Then craft a tightly constructed piece that leads, step by step, to that lesson-point. Do this, and you’ll have made a significant leap along the travel writer’s path. Good luck – and enjoy the journey!





    04/05/2017

    Posted In: NEWS

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    Airfare Expert: Cheapest times to fly in 2013 #thailand #travel #packages

    #airfares cheap
    #

    Airfare Expert: Cheapest times to fly in 2013

    Spring is a great time to go to Europe because the weather s good and you can save a couple of hundred bucks over summer prices. Cities, like Budapest, often have colorful floral displays as well. (Photo: Veronica Gould Stoddart, USA TODAY)

    455 CONNECT TWEET 40 LINKEDIN 9 COMMENT EMAIL MORE

    If you must fly in the peak of the summer, you might as well quit reading now, as airfare will be consistently high. But if your plans are more flexible, you can save big by choosing the right time to book your trip. There are five cheap periods to fly during 2013 and one of those times is right now:

    1. Most of January

    Once the major holidays have passed, prices for January take a dive, which is why it’s considered the number one airfare dead zone. This week is the start of the prime window, as the final wave of higher-priced New Year’s flights subsides.

    Exception: We are seeing higher prices (and airfare sale blackout dates) on flights to/from Washington, D.C. on the days just before and after Jan. 20, the date of the presidential inauguration.

    2. Early February

    February can be very cheap, with these exceptions: Avoid travel to New Orleans early in the month (that’s where the Super Bowl will be played on Feb. 3) and also avoid flights to/from Las Vegas because a lot of folks head there for game-day partying. Luckily, Feb. 14 falls on a Thursday this year so you should be okay if you want to go someplace romantic; when Valentine’s Day is on a weekend, prices can jump.

    One last exception: Watch out for Spring Break travel to rev up in the latter part of the month, which always drives up ticket prices.

    3. Late spring for Europe

    Spring is a great time to go to Europe because the weather’s good and you can save a couple of hundred bucks over summer. Rule of thumb: peak pricing typically kicks in around May 15.

    4. Almost any holiday

    You probably know that flying on the big day itself – such as Thanksgiving or Christmas – is a lot cheaper than the dates surrounding the holiday, but it’s usually true for the Fourth of July, Memorial Day and Labor Day as well. It’s very simple; people don’t want to waste their holidays at the airport but if you don’t mind a few hours of tedium, you will save money.

    5. The cheap weeks of Nov. and Dec.

    Call it the pre- and post-holiday periods. One of these is the two-week period at the start of Nov. – what I call the pre-Thanksgiving airfare bargain time. The other comes after Turkey Day (which falls on Nov. 28 in 2013), beginning right about Dec. 3 and continuing until about Dec. 18. Most people will travel during holidays of course so these weeks are total dead zones and tickets are priced to move.

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    09/04/2017

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    Foreign Money Transfer Rates – Money Expert #the #cheapest #flight #tickets

    #travel insurance comparison
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    Travel Insurance

    Compare Travel Insurance policies from leading UK insurers

    Travel Insurance with no upper age limit

    Travel in confidence with the best insurance for you. MoneyExpert has teamed up with Just Travel – one the UK’s best providers of Travel Insurance.

    About Just Travel

    Since 2004 Just Travel Insurance has established itself as a market leader in the provision of competitive quality travel insurance in a highly specialised market. It’s a unique, progressive company.

    Their vision has been increasingly focused on providing Travel Insurance products at affordable prices for the more complex, medical risk.

    Just Travel FAQs

    Can my travel companions, who don’t have a medical condition, be covered on the same travel insurance policy?

    Yes, it makes sense to cover yourself and your travelling companions on the same travel insurance policy. You will need to declare your own medical conditions and answer our easy medical screening questions. If your companions don’t have any medical conditions to declare, that’s fine, you can just click continue at that stage.

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    Yes our website collects your personal information securely using a secure SSL certificate. Information exchanged with any address beginning with https is encrypted using SSL before transmission

    How can I find out more information about a specific travel insurance policy?

    If you have a question about any of the travel insurance policies available on our website please call us on 0800 294 2969 and we will be happy to help.

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    You can add winter sports cover to a single trip travel insurance quote or an annual travel insurance quote. Once you enter the dates of your trip and declare any pre-existing medical conditions you will be asked if you want to add any additional travel insurance cover. You can add winter sports cover at this point. Once you do that all of the travel insurance prices that you are shown will include cover for wintersports.

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    When you get a quote for travel insurance on Justtravelcover.com the first question you need to answer is the type of travel insurance cover you require. If you are going on a cruise holiday you should select cruise insurance at this point.

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    When you buy online you should receive a copy of your travel insurance policy documentation by email within minutes of completing your purchase. If you don’t receive them please call us on 0800 294 2969 and we will be happy to help.

    How do I find out what is covered by each travel insurance policy?

    When you get a travel insurance quote you will be presented with a selection of policies. At this point you can see the schedule of benefits for each policy so that you can compare the cover provided and make a choice.

    What if I change my mind, can I get my money back?

    All travel insurance providers have to offer a 14 day cooling off period. This gives you time to read through the policy wording carefully to check whether it provides the cover you need. If you decide that the policy is not right for you, you will be able to obtain a full refund if applied for within this period.

    None News

    People who are looking into taking out buy to let mortgages are increasingly switching away from trying to buy property at the high end of the market. Instead it now appears that they are focusing on buying cheaper property because of the higher returns that they could potentially see on rent levels.

    In recent times the London property market has become associated with charging huge prices luxury level homes. However, recent analysis has revealed that prices for top-end property in the capital are not as high as similar properties elsewhere in the world.

    As mortgage lending rates rise, Nationwide Building Society has announced a surge in profits leading to its “best ever half-year” of lending.

    25 Nov 2015

    In what is has been hailed as a first for any financial services provider in the UK, Barclaycard have announced that they’ll be offering free credit score access to all of their 10.5 million customers.





    23/03/2017

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    Airfare Expert: Do cookies really raise airfares? #travel #europe #packages

    #airline travel deals
    #

    Airfare Expert: Do cookies really raise airfares?

    George Doyle, Getty Images

    For years consumers have suspected that airline and travel agency websites use Internet cookies to their advantage – and to the disadvantage of the customer. Rick Seaney tackles fact and myth.

    For years consumers have suspected that airline and travel agency websites use Internet cookies to their advantage – and to the disadvantage of the customer. Rick Seaney tackles fact and myth. less

    For years consumers have suspected that airline and travel agency websites use Internet cookies to their advantage – and to the disadvantage of the customer. How? When airlines “sense” a shopper is about to book a ticket, they quote higher prices.

    Writer Bill McGee, in a column on this site, suggested that this happens with regularity. His piece titled, “Do travel deals change based on your browsing history? ” even noted that this business practice might veer into the territory of “price discrimination.”

    One proposed antidote would be to delete browser cookies – before, during and after shopping – to erase the crumb trail. That’s a painful task for even the most Internet savvy. Before determining whether you need to do this, though, let me address this myth (and myth is what I strongly believe it to be) by starting off with a couple of geeky facts:

    1. Airlines typically offer more than a dozen price points for the same seat on the same aircraft – prices and rules that can and do change frequently throughout the day. Simultaneously automated inventory systems decide at any given moment which price point to offer a shopper, based on dozens of factors including current and historical bookings.
    2. Air travel quoting systems struggle beneath an avalanche of queries each day (the vast majority of which never result in a booking), and these systems use a variety of technology shortcuts like reusing earlier responses or “guesstimating” actual airline inventory.
    3. Have your eye on a particular deal? Bookings for that flight can occur even as you are contemplating your purchase (especially if it is a really good deal).
    4. Any website worth its salt uses cookies (ostensibly to provide a better user experience).

    The question is, are these travel sites smart (or brazen) enough to target your personal behavior via cookies to jack up rates and pocket the difference? Or is this price-jumping behavior simply an artifact of airline pricing technology and the shortcuts used by quoting websites to handle the insatiable demand for ticket quotes?

    My educated guess is the latter, but not because the airlines wouldn’t like to try different pricing methods for different customers. In fact, they’re already “accidently” conducting such experiments and possibly more worrisome, planning to implement the myth.

    Case in point: Orbitz was recently dragged over the coals for changing the default display of their quoting results for users of Apple products – the theory being that people who could afford these pricy gadgets could afford to pay higher prices. While I thought the media’s coverage was overhyped — to me it was a matter of Orbitz re-ordering its list of prices (the cheaper prices were just not at the top) — it hit all the major and social media outlets like wildfire.

    Meanwhile, Delta Air Lines’ website tested pricing engines of two different companies, performing separate experiments for both “loyal” logged-in customers and not-so-frequent fliers (not logged-in) simultaneously which, as you might imagine, returned some very different results. Again, the discrepancy became a very big story, prompting an explanation from a Delta vice president who opined that now everyone’s on the same search engine and ultimately all will get the “new improved search function”.

    Even as we speak, more than a dozen of the world’s biggest airlines are in the midst of getting government approval to “augment” the current airline pricing technology into something more akin to the urban legend about cookies and higher prices. But in reality, it’s all about prices tailored to specific shoppers – a so-called “New Distribution Capability.” No surprise then that those who are concerned about privacy and higher fares are starting to give this their full attention.





    11/02/2017

    Posted In: NEWS

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