This Is How to Get the Cheapest Thanksgiving Flights #travel #to

#how to get cheap flight tickets

The Secret to Getting a Ridiculously Cheap Thanksgiving Flight

Stephan Zirwes—Brand X/Getty Images

Every travel agency is saying something different, but there are some tips that aren’t up for debate

For years, travel search engines have scoured through their dense databases to determine the best day to book your Thanksgiving flights. This year, like every year, there s a lot of mixed messages on what to do if you ve procrastinated on booking tickets. Here s what the big players are advising for cheap domestic U.S. air tickets:

  • Kayak : Book in early November, about two to four weeks before Thanksgiving.
  • Skyscanner : Two weeks prior to Thanksgiving.
  • Orbitz . This Wednesday, Thursday or Saturday. If not then, then before Nov. 18.
  • Cheapair . It depends on way too many things.

So what s the takeaway? It s better to be safe and book flights now, but you if you re a risk taker, you can wait until the beginning of November to book your flights. But try not to wait until the week of Thanksgiving. It s also important to weigh the risks of an unexpected fare hike in light of what your benefits of waiting actually are. These hyped savings are usually only about 5 to 10% less than the average fare, which amounts to $15 to $30 if your ticket costs $300.

In fact, since airline fares are notoriously difficult to understand. often the better question to ask is what not to do when you re booking Thanksgiving flights.

Here are a few tips that travel search engines all agree on:

Don t book a departure flight on the Wednesday before Thanksgiving (Nov. 26), or a return flight on the Sunday after Thanksgiving (Nov. 30).

Airfares increase as flights get fuller, and the Wednesday and Sunday flanking the Thanksgiving holiday are when the most people are traveling. A simple airfare search shows just how much more expensive it is to book travel on one of these days. In some cases, fares are up to twice as high.

If you have to book for Wednesday or Sunday, then book your tickets as early as possible.

If you re locked into a Wednesday departure flight, aim for a Friday or Tuesday return flight, which is around 25% cheaper than returning on Saturday, Sunday or Monday, according to an analysis by Cheapair.

Booking a return flight on Sunday results in the most dramatic airfare spike, and there s not really much you can do to save money other than to book your departure flight on Thanksgiving Day. But the tradeoff of sacrificing a chunk of your holiday is a discount of only about 10%, so it may make more sense to pick a different day even if it s Wednesday. In general, having a Sunday return flight means you re stuck with a sky-high ticket price.

Consider booking a departure flight or return flight on Thanksgiving Day or both.

If you depart and return on Thanksgiving Day, your fare may be up to 30% cheaper than the average price, according to Kayak. And even if you only depart (and not return) on Thanksgiving, those savings are particularly meaningful when applied to longer, more expensive flights. For example, flying the JFK-LAX route departing on Thanksgiving instead of the day before can save you nearly $100.

Don t book flights in groups.

If you re booking as a family and there are only a few flights left in the lowest fare category, it s possible the airline will bump the entire party up to the next fare category, according to Cheapair. That doesn t mean you can t travel as a family, though: you just might have to book each person s ticket individually.

Check other smaller airports nearby.

There s often regional and even international airports near the ORDs, JFKs and LAXs of major U.S. cities. If you re in Chicago, for example, consider Chicago Midway Airport instead of O Hare; if you re in Los Angeles, consider Long Beach Airport instead of LAX. Both are cheaper airports than their neighboring giants, according to, which ranked the nation s 101 most affordable airports.

Check smaller airlines.

The five biggest U.S. airlines American, United, Delta, Southwest and JetBlue all increased their base fares slightly despite lower fuel prices and a worldwide fear of Ebola. While the effect on consumers is not yet clear, it s also worth checking out smaller airlines like Spirit, Frontier and Virgin.


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Cheap flights and how to outsmart airlines to get the best

#how to find cheap flights

Buy your ticket eight weeks in advance, fly with different carriers or book a risky ‘hidden city’ fare: How to outsmart airlines and find the cheapest flights



Thanks to the internet it’s never been easier to book a dream getaway or tailor a trip to one’s desires, but high costs can keep holidaymakers’ travel plans grounded.

One of the most agonising experiences is missing a deal on a flight or booking a ticket and seeing a lower price just days later.

There are a few tricks or secrets people can tap into to secure the lowest possible fare – especially those who plan ahead, are flexible with their travel dates or are willing to take a risk.

Those who are flying to an international destination should book 150 to 225 days in advance, a study found

Book at least eight weeks in advance

For domestic routes, the lowest fares are usually found 50 to 100 days before departure, with the absolute lowest fares found about 57 days prior, according to a study by Expedia and the Airlines Reporting Corporation (ARC).

Those who are flying an international route should plan even farther in advance – between 150 and 225 days – with the best deals around the 171-day mark, the study found.

A similar study by CheapAir found that the best time to book a domestic flight falls between 29 and 104 days in advance.

Still, airlines have been known to offer deals on airfare just a couple weeks before departure to fill a plane.

Some website, such as Kayak, allow users to receive a price alert when a fare drops.

Research suggests the lowest possible fares are typically found on Sundays and Tuesdays

Book on a Sunday or Tuesday

Research from ARC suggests that the lowest fares are found on Sundays and Tuesdays, regardless of the domestic or international destination.

Smart travellers will check prices every day of the week, as prices tend to fluctuate.

Experienced travellers know the cheapest flights tend to be early in the morning or late at night

Fly on off-peak days or at off-peak times

Those who are looking to jet abroad for an extended weekend will find the greatest savings if they fly out on a Thursday and return on a Monday.

Alternatively, people who depart on a Saturday and return on a Tuesday can save up to 25 per cent compared with booking a more expensive Sunday return. analysed thousands of flights in the US and Canada and determined the cheapest day of the week to fly is Wednesday.

Early risers and those who can sleep on a plane have an advantage, as the cheapest flights tend to be early in the morning or late at night.

And travelling at low season usually guarantees a better deal.

‘Hidden city’ fares involve a passenger booking a flight with a stopover and skipping the connecting flight

Find ‘hidden city’ fares

So-called ‘hidden city’ fares offer big savings and were mostly a secret until the website Skiplagged was sued by United Airlines and Orbitz last year.

A judge threw out the case, arguing it was filed in the wrong court, allowing founder Aktarer Zaman to continue to operate Skiplagged out of a New York City apartment.

It works like this: A passenger books a flight from Point A to Point B with a stopover at their desired destination, and doesn’t bother to board the connecting flight to Point B.

For example, someone looking to travel from New York to St Louis could save more than $60 if they booked a flight from New York to Chicago with a stopover in St Louis, as opposed to a direct flight.


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United Airlines suing 22-year-old NYC man who figured out how to

#flights for cheap

United Airlines suing 22-year-old NYC man who figured out how to get cheaper plane tickets

NEW YORK (CNNMoney) A young computer whiz from New York City has launched a site to help people buy cheap plane tickets. But an airline company and its travel partner want to shut him down.

United Airlines and Orbitz filed a civil lawsuit last month against 22-year-old Aktarer Zaman, who founded the website last year.

The site helps travelers find cheap flights by using a strategy called “hidden city” ticketing.

The idea is that you buy an airline ticket that has a layover at your actual destination. Say you want to fly from New York to San Francisco – you actually book a flight from New York to Lake Tahoe with a layover in San Francisco and get off there, without bothering to take the last leg of the flight.

This travel strategy only works if you book a one-way flight with no checked bags (they would have landed in Lake Tahoe). now has a banner on the top of the site with a donation fund to support the creator’s legal defense.

It’s not like these tickets are the cheapest all the time, but they often are.

In the lawsuit, United and Orbitz call Skiplagged “unfair competition” and allege that it is promoting “strictly prohibited” travel. They want to recoup $75,000 in lost revenue from Zaman.

Zaman said he knew a lawsuit was inevitable but he points out that there’s nothing illegal about his web site.

He also said he has made no profit via the website and that all he’s done is help travelers get the best prices by exposing an “inefficiency,” in airline prices that insiders have known about for decades.

“[Hidden city ticketing] have been around for a while, it just hasn’t been very accessible to consumers,” Zaman told CNNMoney.

Indeed, “hidden city,” ticketing is no secret among frequent fliers, said Michael Boyd, President of Boyd Group International, an aviation consulting firm in Evergreen, Co. Boyd worked as an American Airline ticket agent 30 years ago, and says he was trained at the airline to help customers find “hidden city” fares.

“I don’t think it’s illegal what he’s doing,” Boyd said. But lawsuits are expensive and it could end up costing the young entrepreneur who has irked the two billion dollar corporations.

Airlines usually offer cheaper fares for some destinations that are not regional hubs, Boyd said. Many of these flights are routed through more popular destinations. But if a lot of people take advantage of that discrepancy it could hurt the airlines, which is why they want to shut him down.

Born in Bangladesh, Zaman grew up in Brooklyn, N.Y. and graduated with a bachelor’s degree in computer science at age 20 from Rensselaer Polytechnic Institute. He lives in Manhattan and works at a technology start-up that he declined to name.

Zaman said Skiplagged is just a “side project.”

Zaman and United declined to discuss the lawsuit. Orbitz said in a statement that it is obligated to uphold airline fare rules.

Other travel experts say that the airlines may not achieve much if Zaman’s site is shut down, especially in a world where information is becoming more readily available.

“If [Skiplagged is] shut down, undoubtedly there will be other people to come along to scrape fares and make them available,” said Robert Mann, president of R.W. Mann Company, an airline consulting firm in Port Washington, N.Y.

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Start Your Own Travel Business – How To Start A Travel

#travel start

Start A Travel Business Today


W hat is your inspiration for starting a travel business? Have you traveled somewhere that changed you as a person? While in this location did you learn about the culture, break bread with locals and friends, and now you want share that experience with others? “W” Tour Travel Group aides people just like you on shoe string budgets develop their passion for travel into a business. “W” Tour Travel Group will help you start your new travel business even if you have little to no experience, a very small budget, and no formal business plan. What you must bring to the table is passion, inspiration, an idea, a budget to start your business, and an above average work ethic.


W hat is your travel/tour product? It certainly should be more than a flight and a hotel. You need to create a product that is a travel experience that appeals to a consumer on an emotional level and inspires them to share that experience with others. “W” Tour Travel Group will help you create a unique travel experience that has the basic nuts and bolts associated with getting from point A to point B, hotel reservations, and out of the box tours and excursions that create a true travel experience for your potential customers. Our connections throughout the world allow us to help you contract the vendors who will source the components you need to market a unique travel/tour product.

Free (no obligation) 30 minute phone consultation.


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Hilton Scores a Victory Over Online Booking Sites, and What It

#travel site

Hilton Scores a Victory Over Online Booking Sites, and What It Means for How Travel Will Be Booked

by Gary Leff on December 1, 2015

United Airlines used to offer last minute e-fares on their website, but stopped because they ran afoul of agreements with computer reservation systems to always display the best available fares through those sites.

Paying the computer reservation systems is costly, it s cheaper when airlines sell to you directly, so they used to offer bonus miles for doing so. And paying the online travel agencies is costlier still. Even though few airlines base commissions any longer (although Alitalia just re-introduced 1% commissions in Italy) they do pay based on volume.

Airlines have long paid less to the online travel sites than hotels. So hotels have gone to greater lengths than airlines in trying to get customers to book direct. Generally when you book on Expedia you still earn frequent flyer miles for your flights, and are eligible for elite status accrual and elite benefits. (Although it may not always be as clear what restrictions apply to the fares you re buying.)

Hotels on the other hand have:

  • Restricted points-earning (Hilton s official policy is no points at all, even for incidentals during your stay, when booking through a third party)
  • Restricted status-earning (major chains won t let your stay booked through most third parties count towards gaining or retaining status)

  • Restricted elite status benefits (Though Hyatt and Marriott generally honor elite status on third party bookings, other major chains do not)
  • During periods with hotel occupancy low, the OTAs had the greatest leverage. The major chain hotels were paying over 20% commissions, perhaps 25%, and independent hotels easily paid 40%.

    But those commissions have been falling. With hotels full they have a stronger bargaining hand. They re able to pay lower commissions, and negotiate other favorable terms.

    Hilton reports that it has successfully concluded better deals.

    [Hilton CEO Chris] Nassetta said Hilton Worldwide won the right to lower the commissions it pays to online travel agencies such as Expedia and

    Hilton Worldwide managed to eliminate last-room availability clauses and won the right to offer preferential pricing — lower rates than it gives to online travel agencies — to certain members of the hotel chain’s loyalty program, Nassetta said.

    “We are done with all of our OTA negotiations, and we achieved our goals in every one of those pillars,” Nassetta said.

    This likely explains Hilton testing discounts for HHonors members since they don t have to offer those same rates through online booking sites and can use those to incentive lower direct booking expenses.

    Airlines, too, continually squabble with the online sites and computer reservation systems over how their fares are distributed. Lufthansa is currently imposing an extra charge for tickets through these systems, which makes them less competitive. It s hard to sort out the effect it has had on the airline, because their sales have also been affected by strikes. Airlines want online travel sites to work through their own, less expensive, direct channels. And they want everyone selling their ancillary products, at the lowest cost to the carrier.

    When we see Expedia buy Orbitz after buying Travelocity we shouldn t just think of them as making consumer unfriendly moves, we should think of them as:

    1. Trying to preserve some of their leverage against travel providers who are eroding their margins.
  • Making defensive moves in anticipation of Google disrupting their business model.
  • That isn t to say that consolidation in the online booking industry is consumer-friendly. And consumer experiences vary. But online travel agency sites are hardly gaining market power .

    More From View from the Wing


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    How to File an Emergency Bankruptcy Petition #how #to #file #bankruptcy


    How to File an Emergency Bankruptcy Petition

    Sometimes you need to file for bankruptcy in a hurry. If you don’t have time to complete the lengthy bankruptcy paperwork, you can file a bare-bones petition, called an emergency bankruptcy or emergency petition. You then file the rest of the papers later.

    This article describes the minimum documents you need to file an emergency bankruptcy petition, and the circumstances that might make such a petition necessary.

    Emergency Circumstances

    It is almost never a good idea to file an emergency bankruptcy if you can avoid it. Bankruptcies are paper-intensive and bankruptcy law requires you to fully, accurately, and honestly disclose all of your assets, debts, income, expense and various financial information. Filing a petition also triggers various deadlines and “next steps.” If you file a bankruptcy too hastily, you may make mistakes that could cause you difficulty later, including the dismissal of your case or a denial of your bankruptcy discharge. There are even criminal penalties if the court finds you were intentionally evasive or less-than-truthful in your statements and paperwork.

    However, there may be circumstances where you have no choice but to file an emergency bankruptcy petition, usually as a way to prevent or stop the following:

    • the sale of your home through foreclosure
    • car repossessions
    • eviction
    • garnishments, and
    • lawsuits.

    Basic Requirements for an Emergency Petition

    Filing bankruptcy is not easy. An average bankruptcy filing can contain 50 or more pages of documents that list all of your assets, debts, income, expenses, and detailed statements concerning your financial history. Sometimes, however, you don’t have the time that it normally takes to complete all of the necessary paperwork. Here is a basic breakdown of the minimum that you must complete, sign, and file to start your bankruptcy case.

    Minimum Documents

    The following documents are the minimum that you must file to start your case. This is often called the skeleton petition:

    • The bankruptcy petition (Form B-1). This is the first three pages of the petition. If you are filing on your own, must include your telephone number on the petition.
    • Creditor Matrix. This is a list of the names and addresses of all your known creditors. Some courts may let you file it a few days later.
    • Statement of Social Security Number (Form B-21).
    • Certificate of Credit Counseling. If you did not receive credit counseling prior to filing, then you must file a motion to explain any exigent circumstances that kept you from obtaining the counseling. If you believe that you do not have to participate in consumer credit counseling, then you must file a motion requesting that you be exempt from this requirement.

    For a Chapter 13, you may also have to file a pay order that provides for estimated plan payments to your Chapter 13 trustee.

    Some bankruptcy courts may also have additional requirements, such as written disclosure statements or CDs that contain electronic copies of your documents.

    Since you are filing an emergency petition, the bankruptcy court clerk may not send notices to your creditors in time to stop an impending collection action. Therefore, you should immediately send notice of your bankruptcy filing directly to creditors that are, or might be, using collection actions against you.

    Filing Fee

    At the time that you file your skeleton petition, you must also pay the filing fee. In a Chapter 7, the filing fee is $335. The filing fee for a Chapter 13 is $310. If you cannot pay the fee, then you must file an Application to Pay Filing Fee in Installments. If you believe you are exempt from paying the fee, then you must file an Application to Waive Filing Fee.

    Filing the Rest of the Bankruptcy Forms and Documents

    Within the next 14 days, you must file the remaining paperwork, including all schedules and statement of financial affairs, as well as certain financial documents.

    Get debt relief now.


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    How to Become a Certified Coding Specialist #certified #coding #classes #online,


    How to Become a Certified Coding Specialist

    Should I Become a Certified Coding Specialist?

    A certified coding specialist. also referred to as a medical coder or health information technician, is a medical professional responsible for overseeing patient records and ensuring bills are paid properly and on time. These medical professionals work as intermediaries who are in contact with the insurance company, billing office and health clinic. They work at hospitals, physicians’ offices, government organizations and nursing care facilities. They spend long periods sitting at desks, on computers. Most coding specialists work full-time and need to serve overnight and weekend shifts.

    Career Requirements

    Medical billing and coding

    Certified Coding Specialist (CCS), Certified Coding Specialist-Physician-based (CCS-P)

    Detail-oriented; communication and analytical skills; use of medical software programs

    $37,110 (2015 median salary for all medical records and health information technicians)

    Sources: U.S. Bureau of Labor Statistics (BLS), job postings (November 2012)

    Certified coding specialists have associate’s degrees in medical billing and coding, and they earn certification through the American Health Information Management Association (AHIMA). They are detail-oriented professionals with good communication and analytical skills and the ability to use medical software programs.

    According to the U.S Bureau of Labor Statistics (BLS), the annual median salary for medical records and health information technicians, which includes certified coding specialists, was $37,110 in 2015.

    Find schools that offer these popular programs

    • Health Care Administration
    • Health Information and Records Admin
    • Health Information Technology
    • Health Management and Clinical Administration
    • Health Unit Coordinator
    • Health Ward Supervisor
    • Medical Administrative Assistant or Secretary
    • Medical Claims Examiner
    • Medical Facilities Management
    • Medical Insurance Billing and Coding
    • Medical Insurance Services
    • Medical Office Computer Technologies
    • Medical Office Management
    • Medical Office Specialist
    • Medical Receptionist
    • Medical Staff Services
    • Medical Transcriptionist

    Steps to Be a Coding Specialist

    What do I need to do to be a certified coding specialist?

    Step 1: Pursue a Postsecondary Education in Medical Billing and Coding

    Many coding positions seek individuals with an associate’s degree in medical billing and coding. Courses provide knowledge in medical terminology, reimbursement methods, pathophysiology and commonly used coding systems, including CPT and ICD-9. Students are also taught the details of the Health Insurance Portability and Accountability Act (HIPAA) as well.

    Step 2: Gain Work Experience

    While work experience is not a requirement to become certified, obtaining 2-3 years of work experience is also highly recommended. Hospitals, clinics, physicians’ offices and insurance companies are common work environments for medical coders. Individuals enrolled in a degree program also have the opportunity to enroll in an internship to gain hands-on training and some recommended work experience.

    Step 3: Pursue Certification

    The AHIMA oversees the certification exam for aspiring coding specialists. It offers several certification designations, including the Certified Coding Specialist (CCS) and the Certified Coding Specialist-Physician-based (CCS-P). The CCS is geared towards hospital-based coding professionals. Both tests consist of two parts, including multiple-choice questions and patient-case scenarios for medical coding. Both the CCS and the CCS-P exams test on ICD-9 and CPT coding systems. The CCS-P also includes testing on the Healthcare Common Procedure Coding System (HCPCS).

    Step 4: Take Continuing Education Courses and Renew Certification

    The BLS reported that health information technicians (which include certified coding technicians) need to regularly renew their certification and take continuing education classes. The AHIMA offers seminars, conferences and webinars that provide beneficial experiences for certified coding specialists and meet these requirements. CCSs and CCS-Ps must complete at least 30 continuing education units (CEUs) like these every certification cycle, as well as pay a renewal fee. CEUs are completed through college courses.

    Step 5: Consider Pursuing a Bachelor’s Degree

    Coding specialists looking to pursue promotional opportunities may need a bachelor’s degree in health administration or a related field, so coding specialists should keep that option open to them if they wish to advance.

    Certified coding specialists have associate’s degrees and certification. They use medical software programs while overseeing and updating patient records, and they earn a median annual salary of $37,110.

    Next: View Programs

    • Diploma Program – Medical Billing and Coding Specialist
    • Certification – Medical Billing and Coding Specialist
    • EdD in Organizational Leadership – Health Care Administration
    • MBA: Health Systems Management
    • MS in Health Care Administration
    • Master of Public Administration – Health Care Management
    • MS in Health Care Informatics
    • MS in Nursing: Health Care Informatics
    • BS in Health Care Administration
    • BS in Health Sciences: Professional Development & Advanced Patient Care
    • Bachelor of Science in Behavioral Health Science
    • View more
    • Health Information Coding
    • Nursing (Practical)
    • MSHS in Health Care Quality
    • Graduate Certificate in Health Care Quality
    • Medical Billing and Coding
    • Healthcare Assistant
    • Health Information Technology
    • View more
    • Master of Health Administration in Health Systems Management
    • Master of Science in Health Informatics
    • BA in Health Services Administration
    • Associate of Science – Medical Administrative Billing and Coding
    • AA in Health Services Administration
    • View more
  • Show more schools
  • Find your perfect program


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    Fort Worth Bankruptcy Advice and Bankruptcy Help in Fort Worth #fort


    3000 Central Drive Bedford, Texas 76021-3671 Fax: (817) 358-9988

    Fort Worth Bankruptcy Attorneys

    Offering expert advice and bankruptcy help to consumers and businesses

    The experienced attorneys at The Vida Law Firm, PLLC represent individuals and small businesses throughout the Fort Worth, Texas area in all kinds of bankruptcy proceedings. If you or your organization is facing financial difficulties, mounting bills, foreclosure and repossession proceedings, or harassing collection activity, you can rely on our skilled Fort Worth bankruptcy advice.

    Although the prospect of bankruptcy may seem intimidating, a qualified attorney can offer Fort Worth bankruptcy help to guide you through each step of the process. The attorneys at The Vida Law Firm, PLLC can represent you and your interests to creditors, the trustee, and the court, helping you reorganize debts and make a fresh start.

    Bankruptcy in Fort Worth – We specialize in cases like yours

    With nearly 70 years of combined legal experience, our attorneys have the skills and experience to guide you or your business through even the most complex Chapter 7. Chapter 11. or Chapter 13 bankruptcy in Fort Worth.

    Behrooz Vida and Richard Venable are certified by the Texas Board of Legal Specialization as specialists in consumer bankruptcy law. Mr. Vida is also a specialist in business bankruptcy law, and is the recipient of Martindale-Hubbell’s prestigious AV peer rating. indicating the highest levels of professionalism and ethical standards. Carla Reed Vida is an exceptional Fort Worth bankruptcy attorney with strong capabilities in all areas of personal and business bankruptcy in Fort Worth. and a Master of Business Administration degree.

    Fort Worth bankruptcy help advice – We have your best interests in mind

    At The Vida Law Firm, PLLC, we meet with you personally to examine your financial situation and explore all possible Fort Worth bankruptcy options. Once you have decided what is best for you, your family, or your business, we move quickly to ensure that you can begin rebuilding your finances as soon as possible.

    Call us for bankruptcy help in Fort Worth

    To schedule a free initial consultation, contact The Vida Law Firm, PLLC today. You can call us at (817) 803-3365 or contact us online for bankruptcy advice in Fort Worth.

    Quick Contact


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    Coop Loans, Home Improvement Mortgage, 203k Loan Requirement New York, Low


    how much does it cost to refinance a home loan

    How much does it cost to refinance a home loan

    Great Northern Mortgage can help you find a mortgage that fits your needs and circumstances however large or small. One loan definitely does not fit everyone. That is why we offer many loan programs for you to choose from, such as our 96.5% FHA purchase loan program, interest only, up to a 40 year fixed rate option, No Income Verification program, or New York SUPER JUMBO loans up to $3,000,000, which are still available especially for Manhattan New York mortgages. With No Income Verification program you will be able to purchase a property without showing your income, but you have to show your assets. Let our specially trained Loan Consultant match up the right loan for you and your family s needs.

    How much does it cost to refinance a home loan

    How much does it cost to refinance a home loan

    How much does it cost to refinance a home loan

    How much does it cost to refinance a home loan

    How much does it cost to refinance a home loan

    How much does it cost to refinance a home loan

    How much does it cost to refinance a home loan

    How much does it cost to refinance a home loan

    Purchase, Refinance (Cash out and No cash out)

    Primary, Second Home, Investment

    New York, New Jersey

    Max LTV Primary

    Max LTV Primary

    Max LTV Primary

    Max LTV 2nd Home

    Max LTV 2nd Home

    Max LTV Investment

    80% to $2,000,000 (Purchase and No cash out)

    65% to $1,500,000 (Cash out)

    60% to $3,000,000 (Purchase and No cash out)

    80%/90% to $417,000 (Purchase)

    75% to $750,000 (Purchase and No cash out)

    65% to $750,000 (Purchase and No cash out)

    620, 680, or 720 depending on a program

    12-16 months for Non Conforming Loans

    How much does it cost to refinance a home loan

    How much does it cost to refinance a home loan

    Your credit report may be full of derogatories, such as charge-offs, collections, tax liens, or late payments, compounded with a history of foreclosure and bankruptcy. However, you may still get a loan for home purchase, refinance, or even cash out of your current home as long as you can meet the specific guidelines for loan approval by a multitude of lenders specialized in the credit-damaged borrower.

    Banking general industry guidelines help a lender to make a judgment on the borrower’s loan application. However, there are no hard-and-fast rules of separating the borrower on the border line between one credit category and another. Compromising variations between one lender to the next depends on the degree of subjectivity involved in underwriting and how much each lender wants to commit their funds.

    Typical lenders in the market of credit-damaged borrowers usually lend only up to 80% of the appraised value of the home, so the borrower often has to have 20% equity or come up with a 20% down payment for a purchase.

    A-minus and B-credit borrowers are often allowed to allocate 50% of their income to pay for combined monthly debt (compared to the standard 36% guideline used for A credit borrowers), while the bottom rung of the credit ladder can be stretched to 55%. As for proof of income, some lenders do have Stated or No Income programs, which do not require tax returns, W-2s, or pay stubs. In these cases the loan to value ratio will be limited to 60-70%, and the minimum credit score required is around 700.

    For information on how you should rate your credit Click Here.

    How much does it cost to refinance a home loan

    How much does it cost to refinance a home loan

    Put your money to work for you in an investment property, which provides a vehicle to enjoy the potential for market appreciation while building equity each month. Whether you are purchasing or refinancing a home, condo, or piece of land, Great Northern Mortgage can help you find the right investment property financing option.

    We have access to programs for single family homes, duplexes, three and four unit non-owner occupied homes. We also have several resources to provide up to 75% investment property loans.

    • Great low rates for the life of your investment property mortgage, or take advantage of the low monthly payment of an interest only loan.
    • Fair and reasonable closing costs.
    • Fixed rate mortgage and adjustable rate investment property financing solutions.
    • Programs available for self employed borrowers, owners of numerous properties, and those with less than perfect credit.

    Programs for 1-4 unit properties, and condos. Programs for 1-4 unit properties, and condos.

    We will take the time to find out what your goals are and tailor your financing to meet these goals. We don’t just offer short term financing to get one deal done, but strong and aggressive long term financing that will still work in the long run and avoid unnecessary refinancing costs. This allows you to begin working on a retirement plan that will include monthly rental income.

    Contact us to find out what mortgage investors programs will work best for you. Complete our online application or call us 888-9-LOAN-99 and get pre-qualified now.

    How much does it cost to refinance a home loan

    Whether you’re planning to build your dream home or just thinking about it, we can help. We can answer your questions, and guide you through the loan process. We’ll be with you every step of the way from framing your front door to turning the key. At Great Northern Mortgage, we’re home construction lending experts. We can answer your questions and your builder’s questions so your project keeps moving smoothly from groundbreaking to housewarming. A Construction-to-Permanent Loan is based on ordering an appraisal based on the future value of the home. Through our mortgage company you can obtain a loan up to 75% of the future appraised value of a primary home, and 65% of the future appraised value for a spec home. The construction loans are based on the actual cost, which can include the purchase of the land.

    This means with one application, you get all the financing you need in two easy processes: your construction and permanent loan. All fees and points will be built into both mortgages. Based on the project if it has enough value you can finance your land and wrap your closing cost into your construction loan up front. Below you will find the list of items you will need to get your construction loan started.

    • Plans and Specifications
    • Plot Plan
    • Proof of a Land contract or a Deed
    • Proof the Land is buildable from your local Building Inspector
    • Title Commitment
    • Homeowners Insurance
    • Line item list of all cost to build your project
    • Builder s resume

    To get started please complete our online application

    or call us 888-9-LOAN-99.

    How much does it cost to refinance a home loan


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    5 Books to Help You Become an iOS App Developer, iPhone


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    5 Books to Help You Become an iOS App Developer

    How to build an app for ios

    With each new iOS version, there are significant amount of changes that are being brought to the table, but not only for the typical consumer, also for developers who re the ones building applications, and in fact the future of Apple as we know it.

    Guess what, as an iOS developer in New York (or anywhere in the US), you can expect to earn a salary ranging from 100,000$ all the way up to 150,000$ when you become proficient and more experienced. Now, that s definitely something I d think twice about, considering that a book from which you can learn iOS app development is going to costly somewhere in the 30$ range.

    How to build an app for ios

    In this post you re going to learn about five of the most recognized and admired books that are currently available to the public, for learning iOS application development. I ve made sure that all of them are beginner friendly, and will advance you to intermediate / advanced level with a couple of weeks. They re also all fully updated for the new iOS 7.

    iOS Programming: The Big Nerd Ranch Guide

    How to build an app for ios

    Updated and expanded to cover iOS 7 and Xcode 5, iOS Programming: The Big Nerd Ranch Guide leads you through the essential concepts, tools, and techniques for developing iOS applications.

    It s a top-quality book, with each of the chapters containing meaningful and useful information, nothing feels out of the ordinary and you re hardly looking up on the web, for solutions to problems you couldn t find solutions for inside of the book itself. Now, its important to note that there are only two chapters on Objective-C in this book, and so you might find it a little bit difficult at first, but nothing that practice wont be able to even out.

    iOS 7 Programming Cookbook

    How to build an app for ios

    iOS 7 changed the way customers use their phones. Everything is now animated; things are subtly moving around, sometimes without the user noticing these shifts and turns and twists.

    What s important to note here that this is a cookbook, which in other words means that it will be looking mostly at new functionality that has been implemented in iOS 7, and so previous knowledge of Objective-C might be necessary in order to fully understand it. It should be however purchased for future reference, as the author of this book is a great developer himself.

    iOS 7 Application Development in 24 Hours

    How to build an app for ios

    In just 24 sessions of one hour each, learn how to build powerful applications for today’s hottest handheld devices: the iPhone and iPad! Each lesson builds on what you’ve already learned, giving you a rock-solid foundation for real-world success!

    It s not a bad book at all, the fact of the matter is its built to help you do everything step-by-step, nothing you couldn t do yourself with other books. Its 900 pages, and inside of it there is everything you could possibly learn about iOS and its development. On-going book series that are worth having in the shelf.

    Programming iOS 7

    How to build an app for ios

    If you’re grounded in the basics of Objective-C and Xcode, this practical guide takes you through the components you need for building your own iOS apps. With examples from real apps and programming situations, you’ll learn how to create views, manipulate view controllers, and use iOS frameworks for adding features such as audio and video.

    This is a book to pick-up once you re at intermediate level, as it will take you to advanced within a few chapters. It has been recognized as one of the best and simplest books on iOS 7 (or any other version) development there is. Has quite an edge, but some say its starting to lose it.

    iOS App Development For Dummies

    How to build an app for ios

    iOS 7 represents the most significant update to Apple’s mobile operating system since the first iPhone was released, and even the most seasoned app developers are looking for information on how to take advantage of the latest iOS 7 features in their app designs.

    If none of the above books felt good enough, or practical enough this one definitely will. Its aimed at those who re complete strangers to iOS, and want to pick up the pace and their own rate. Its full of documentation and other practical things, will take at most 6 weeks to build a proper app from the ground-up.


    Its a great thing to learn programming. Its also one of the most awarded job industries in the world, and the pay itself is a huge attraction for those who re still considering to begin their journey. I hope these books were of help to get you in the right direction.


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    Business – The Basics of Branding #how #to #find #business #leads


    The Basics of Branding

    Branding is one of the most important aspects of any business, large or small, retail or B2B. An effective brand strategy gives you a major edge in increasingly competitive markets. But what exactly does branding mean? How does it affect a small business like yours?

    Simply put, your brand is your promise to your customer. It tells them what they can expect from your products and services, and it differentiates your offering from your competitors . Your brand is derived from who you are, who you want to be and who people perceive you to be.

    Are you the innovative maverick in your industry? Or the experienced, reliable one? Is your product the high-cost, high-quality option, or the low-cost, high-value option? You can t be both, and you can t be all things to all people. Who you are should be based to some extent on who your target customers want and need you to be.

    The foundation of your brand is your logo. Your website, packaging and promotional materials–all of which should integrate your logo–communicate your brand.

    Brand Strategy Equity

    Your brand strategy is how, what, where, when and to whom you plan on communicating and delivering on your brand messages. Where you advertise is part of your brand strategy. Your distribution channels are also part of your brand strategy. And what you communicate visually and verbally are part of your brand strategy, too.

    Consistent, strategic branding leads to a strong brand equity, which means the added value brought to your company s products or services that allows you to charge more for your brand than what identical, unbranded products command. The most obvious example of this is Coke vs. a generic soda. Because Coca-Cola has built a powerful brand equity, it can charge more for its product–and customers will pay that higher price.

    The added value intrinsic to brand equity frequently comes in the form of perceived quality or emotional attachment. For example, Nike associates its products with star athletes, hoping customers will transfer their emotional attachment from the athlete to the product. For Nike, it s not just the shoe s features that sell the shoe.

    Defining Your Brand

    Defining your brand is like a journey of business self-discovery. It can be difficult, time-consuming and uncomfortable. It requires, at the very least, that you answer the questions below:

    • What is your company s mission?
    • What are the benefits and features of your products or services?
    • What do your customers and prospects already think of your company?
    • What qualities do you want them to associate with your company?

    Do your research. Learn the needs, habits and desires of your current and prospective customers. And don t rely on what you think they think. Know what they think.

    Because defining your brand and developing a brand strategy can be complex, consider leveraging the expertise of a nonprofit small-business advisory group or a Small Business Development Center .

    Once you ve defined your brand, how do you get the word out? Here are a few simple, time-tested tips:

    • Get a great logo. Place it everywhere.
    • Write down your brand messaging. What are the key messages you want to communicate about your brand? Every employee should be aware of your brand attributes.
    • Integrate your brand. Branding extends to every aspect of your business–how you answer your phones, what you or your salespeople wear on sales calls, your e-mail signature, everything.
    • Create a voice for your company that reflects your brand. This voice should be applied to all written communication and incorporated in the visual imagery of all materials, online and off. Is your brand friendly? Be conversational. Is it ritzy? Be more formal. You get the gist.
    • Develop a tagline. Write a memorable, meaningful and concise statement that captures the essence of your brand.
    • Design templates and create brand standards for your marketing materials. Use the same color scheme, logo placement, look and feel throughout. You don t need to be fancy, just consistent.
    • Be true to your brand. Customers won t return to you–or refer you to someone else–if you don t deliver on your brand promise.
    • Be consistent. I placed this point last only because it involves all of the above and is the most important tip I can give you. If you can t do this, your attempts at establishing a brand will fail.


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    Ant Problem Prevention #how #to #prevent #ants #in #house


    Ant Control

    What Are the Signs of Ants?

    Obviously, the most common way to identify an ant infestation is by seeing them. If you spot large numbers of ants trailing to or from food sources in your home, you may have an infestation in or outside of your home. You might also notice mounds of dirt, sand or clay somewhere on your property, which could mark a larger ant nest. However, depending on the ant species, they may be inside walls or other hard-to-see places, making nests much more difficult to spot.

    Infestations by some species, such as carpenter ants, can be identified in other ways. As with other ants, you may see carpenter ants crawling out of vents or other areas in your home. Additionally, you may hear soft rustling inside your walls as the carpenter ants move around to make their nest. Finally, keep an eye out for piles of wood shavings around your home this could be caused by their excavation as they build!

    How Can I Control An Ant Infestation?

    Your first step to battling an ant infestation in your home is to identify the species that s giving you trouble. Since different species have different habits and preferences, they may also require specific methods to control them. If you re not sure which species is plaguing you, here are a few basic tips to get you started:

    • Seal Ants are extremely adept at locating even the smallest cracks and crevices in walls, windows and foundations to enter your home to forage. Seal any potential points of entry you can find using caulk and other appropriate materials. You probably won t be able to find them all, but it s a good start.
    • Clean After sealing all of the entry points you can find, it s important to clean around them. Ants leave an invisible trail containing pheromones so other ants can follow it to the resource they ve discovered. Scrub around ant entrances with soap and water to wash away these trails. In addition, clean up messes you make in the kitchen to prevent attracting them again.
    • Remove Attractants such as sugar, grease and other foods are one of the main reasons ants enter your home. Remove potential lures by keeping food in sealed containers. Pet food should also be sealed and not left out where ants can easily access it. Also, take out trash regularly to prevent the smell from drawing ants in as the garbage breaks down.
    • Dehydrate Ants need moisture to survive, so you ll want to minimize their access to it using a few simple tricks. First, fix any leaks you may have around pipes and other areas. Then, check your gutters and spouts to make sure they re draining away from the house. Finally, try implementing a dehumidifier to reduce other moisture inside your home.

    How Can I Get Rid of Ants?

    Ants can be a major source of distress for any property owner. Luckily, they can be dealt with in a number of ways. Once you ve taken steps to remove attractants and prevent ants from entering your home, you can apply a wide variety of TERRO products to eliminate them.

    • Target the Colony Baiting is one of the most effective ways to eliminate the ants you see and the ants you don t see. TERRO bait products such as TERRO Liquid Ant Bait and TERRO Perimeter Ant Bait Plus are formulated to slowly kill ants over a few days. This provides foraging ants with enough time to consume the deadly bait, return to the colony and share it with the rest of the nest. Keep in mind, when using baits you will see more ants before numbers reduce. Bait attracts them so they consume the deadly food source!
    • Stop Ants in Their Tracks Contact killers are a great way to quickly wipe out the ants you see. Products such as TERRO Ant Killer Spray provides instant knockdown and long-lasting residual control for up to 6 weeks. Use as a surface, spot, or crack-and-crevice treatment for non-food areas where ants and other insects crawl and hide. It can be used indoors and outdoors for quick results.
    • Protect the Perimeter One colony can include millions of ants! To prevent these ants from coming indoors, apply a treatment such as TERRO Outdoor Ant Killer around the perimeter of your house. The powerful granules kill pests on contact and provide long-lasting residual protection. In addition, use TERRO Ant Dust where ants could find entrance to your home, including doorframes, windowsills, and gaps around electrical, HVAC and water service.

    Don t let ants take over your home. Whether you need effective ant control inside or outside your house, you can eliminate your ant problem once and for all with the help of easy-to-use TERRO ant control solutions!

    Are There Different Kinds of Ants?

    The United States is home to approximately 1,000 ant species of the more than 10,000 known species living worldwide. As with many species in the animal kingdom, some ant species are more common than others. Here are just a few of the species you might find nesting in or around your home:

    • Carpenter Ants These ants get their name from their preference to build colonies inside wood structures. In addition, carpenter ants are one of the largest species of ants in the United States, measuring as much as “. Most carpenter ants are black, although some are red or yellowish in color.
    • Fire Ants Well known for their painful, venomous sting, fire ants are more than just a nuisance for humans. Fire ants are very aggressive and are quick to sting anything that tries to invade the colony. These omnivorous ants are characterized by their signature reddish color and small size, typically 1/16″ to 1/5″.
    • Little Black Ants This native ant species is widespread throughout the United States. As their name suggests, they are small a mere 1/16″ and black in color. They have relatively large colonies and are frequently found nesting inside walls or wooden structures.



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    Trail Design #how #to #use #wordpress #for #website #design






    If you are in search of a premier trail design, trail construction, or trail maintenance company, chances are many of the paths you go down lead you right back to Trail Design Specialists. That’s because with over 20 years in the business, we’ve set the gold standard for trail building.

    At Trail Design Specialists, we believe in leaving nature’s aesthetics in tact while simultaneously creating safe, durable, and sustainable horse, mountain bike, hiking, and multi-use trails. Our experienced staff take everything into account when designing your trail, starting with the trail users’ perspective all the way through implementing an appropriate design that pre-empts the trail’s anticipated future use and natural erosion patterns. Our goal is to create trails that give users an opportunity to observe nature at its finest, provide what users have come to expect of a trail, and design the trail to remain durable for extended periods of use with minimal maintenance.

    Our Mission Statement

    At Trail Design Specialists, our mission is to create trails that accentuate your area’s natural offerings, provide trail users with the opportunity to observe nature at its finest, and preserve our environment for future generations. We also believe it is important to help our clients realize substantial long-term cost savings by constructing trails that remain durable for extended periods of time and require minimal maintenance efforts.

    Our experience in working in so many different environments, soil types and uses has given us the insight to create unique trails that will endure the test of time.


    Last week was a big week for the Raven Trail. On Wednesday we got our Ditch Witch 650 and then we had the IMBA Trail Care Crew over the weekend. The Lakeland Area Mountain Bikers Organization (LAMBO) is fired up and has had 7 straight Monday work nights and has even attracted some of their (our) antagonists to help out. Now LAMBO wants to sign up with us as a formal friends group, which offers both of us some benefits. And it all started with your visit last fall and design for improvements. So if you’re wondering if the work you do ever leads to anything, you should think about the Raven Trail in northern Wisconsin and know that you started an avalanche of progress here. Thank you,
    Steve Petersen, Superintendent, Northern Highland – American Legion State Forest

    Latest News

    What We Do



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    How to send encrypted emails the easy way – Tech Advisor,


    How to send encrypted emails the easy way

    Hackers and government agencies are reading your email, so protect yourself by using encryption

    How to send an encrypted email in outlook

    Sending an unencrypted email is often likened to a postcard, in that anyone who wants to read it only has to take a look to see the contents. Obviously this isn t good, especially when you need to send personal information to someone else, such as your bank details. The way to get total privacy is to encrypt your email, and there are a number of ways to do that. We’ll explain them, and we’ll show you a supremely easy way to send an encrypted message that wills self-destruct after 30 seconds, just like in Mission Impossible.

    How to send encrypted emails: Using Gmail and Outlook settings

    Most of us use email because it s convenient and easy to retrieve from almost any electronic device we own. The thought then of up upping sticks and moving to a brand new, high-security service isn t exactly appealing. So it s good to know that there are some less drastic options open to users of Gmail and Outlook.

    Back in 2014 Google announced that it was making encryption in Gmail the default setting for all users. This means that so long as you are using the official Gmail apps or accessing Gmail through the Chrome browser then your email is already encrypted.

    But, and this is a big but, this only holds true if the person you re sending your messages to is also using Google apps. Once the email leaves the Google servers, say when you send it to your friend who uses Yahoo Mail, then the encryption is no longer applied, as otherwise the receiver wouldn t be able to read it. So while this is certainly a big step towards security, it does leave some rather large holes that could compromise your privacy.

    Then of course there is the issue that Google itself, or at least software created by the company, scans your emails for keywords so that it can serve ads that will be applicable to your interests. In many ways it s the price you pay for the free service. Google of course maintains that the content is never actually read by anyone, but if you are worried about the sanctity of the data it might be better to use a plugin such as which we explore below.

    With the business world always in the mind of Microsoft, it s not surprising to find built-in features for encryption in Outlook for those with an Office365 subscription. Setting it up is a little more challenging though, but then that is often the trade off with any security feature. The first thing you ll need to do is exchange digital signatures with your recipient so that both of you will be able to unencrypt the messages. To create these you ll need to follow the Secure email messages by using a digital signature guide on the Microsoft site.

    With this accomplished you can write your email, then when you re ready to send it select Options More Options Message Options Security Settings Encrypt message contents and attachments.

    Sadly these features are not available on or in the new Mail app for Windows 10, as they are retricted to paid subscribers.

    How to send encrypted emails: Using a secure email provider

    If you want to ensure that your missives remain private then it s probably best to use a secure service rather than the normal mainstream offerings. There are a number of decent alternatives out there, with Tutanota, Ghostmail, and Protonmail all proving excellent options. At the moment you can have free accounts on these, although they do come with restrictions on usage in regards to the size of emails you can send and the storage available. Protonmail also has a waiting list for the free account, although when we joined recently the delay was only a couple of days.

    Secure services either require the recipient to also be a member of the platform, or to possess a password you give them to unlock each email. This might seem cumbersome when compared to the likes of Gmail, but is a necessary level of security that is very effective against hackers and government agencies.

    If you re happy to use an IM style of communication then Mega offer a secure chat feature as part of its free cloud storage package. Again your recipient would need to be a member, but as it doesn t cost anything and also affords you 50GB of storage, this might actually be quite enticing.

    How to send encrypted emails: Using temporary services such as

    Another method is to use software that deletes the messages shortly after they ve been read. As an example for how one of these secure message service works we signed up to Snapmail, which allows users to send self-destructing text emails for Gmail . It all feels very James Bond, but is actually quite easy to get to grips with and involves almost no international villainy.

    The first thing to do, assuming of course you use Gmail, is to visit the Chrome web store and search for Snapmail. When you ve found it click the Add to Chrome button and the extension will be installed.

    Now click the three lines in the top right of the screen and from the drop down menu that appear select More tools Extensions, then scroll down until you find Snapmail and ensure that it is enabled.

    To send an encrypted email you ll need to launch Gmail, compose your message, then you ll notice that there is now a Snapmail next to the Send button at the bottom of the window. This means you can choose to only encrypt certain emails rather than every one, but remember that any sent by Snapmail will automatically be deleted. Click the Snapmail button to encrypt your message.

    When the email arrives in your recipient s inbox it s accompanied by the warning that it will self-destruct 60 seconds after they open it. Sadly there are no voice messages or puffs of smoke to add to the drama.

    It s worth contacting the recipient before you send the email, as the Snapmail one does look a little suspicious, requiring you to click on a link. Usually we d advise strongly against this as it s how most phishing attacks take place, fooling the user into clicking on a link to a false version of a website where you unwittingly enter your account details. But in this case it s actually helping you instead.


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    How to Apply to College – Ontario Colleges #applying #to #college,


    How to Apply to an Ontario College

    to your account to complete your application, make changes or confirm offers of admission.

    The first step in applying to college is to research the programs and colleges available to you. If you have not already decided what programs you are applying to, see our College Map to find a campus near you, browse our Find a Program tool to see all college programs offered in Ontario, go directly to college websites for more details about their programs, and consider attending a College Information Program event to meet college representatives in person.

    The next step is to create an account with and begin your college application.

    Your Account

    If you have never applied through before, click the “Create an Account” button to get started. Your account allows you to

    • Apply to any of Ontario’s 26 public colleges
    • Review and update your college application
    • Request Ontario high school transcripts (from participating schools )
    • Request Ontario college/university transcripts
    • View and accept offers of admission

    Your account will be deleted from our system after 2 years if there has been no activity during that time. This includes any transcripts and / or documents on file. If you wish to apply to college again, you ll need to create a new account.

    Important Info Before You Apply

    • The application processing fee is $95.00 (non-refundable).
    • An application allows you up to 5 program choices (no more than 3 at any one college).
    • All program choices must start within the same academic year (August-July).
    • There may be additional fees to request transcripts.
    • Your username is permanent.
    • Your password must be between 8 and 14 characters in length.
    • Use a valid email address.
    • DO NOT create more than one account.
    • The application works best in certain web browsers .

    How to Apply

    • Log in to your account.
    • Fill in your personal information and educational history.
    • Add your program choices.
    • Request your transcripts. (If you re a current Ontario high school student, most high schools automatically send your grades to us.)
    • Pay the application processing fee and any transcript fees.
    • Log back in to verify your transcript information, or to make changes or updates to your application. (Changing your program choices after February 1 may affect your chances of receiving an offer, as applications will be considered first-come, first-served.)
    • Log back in after February 1 to view and confirm offers of admission .

    For a step-by-step tour of the secure online application, download the user guide .

    Important Dates

    • October: Applications become available for programs starting the following fall.
    • February 1: Equal Consideration Date – apply to highly competitive programs on or before this date.
    • February 1: Colleges may begin sending offers of admission.
    • May 1: Deadline to confirm offers (colleges may extend offers after this date).
    • Mid-June: Tuition deposit payment due.
    • See the Important Dates page for more information.

    • Accept an offer?
    • Get my transcript?
    • Pay for my schooling?
    • Transfer credits?
    • Apply as an international student?
    • Apply as a mature student?
    • Find resources for immigrant applicants?
    • Find out more about skilled trades?

    College Information Program (CIP). Every fall, representatives from Ontario’s public colleges tour the province to meet and talk with prospective students. If you are considering college, this is your chance to gather information about the colleges and programs you are interested in, all in one place. Find out when CIP is coming to your area.

    Apply to College From Your Phone. Apply to public colleges in Ontario, anytime and from anywhere. Browse thousands of programs across the province, and find the one that s right for you. View and accept offers of admission the moment they are posted to your account. Learn more about the app.


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    How to Avail Cheap Air Tickets When Flying Within the US

    #how to find the cheapest airline tickets

    How to Avail Cheap Air Tickets When Flying Within the US

    The United States is a big country and if you want to see as much of it as possible during your holiday you probably are going to have to travel between cities and regions by air.

    The problem is that in recent years the number of airlines offering flights in the US have substantially constricted to a select few. Because there are now only a handful of carriers, the remaining airlines can essentially set their airfares at whatever they please.

    While that is bad news for the ordinary traveler, there are still a few remaining insider tricks you can use to guarantee you get the lowest rate so you will have more money to spend once you arrive at your destination.

    Avoid America’s Busiest Airports

    The busiest airports in the US are LaGuardia in New York, O’Hare in Chicago, LAX in Los Angeles, and Hartsfield in Atlanta. These also are the most expensive airports to travel in and out of because they are where the biggest airlines fly.

    In practically every American city, there is a second or third airport nearby that is cheaper and often more convenient to use for your travel. For example, while Chicago is only the third biggest city, O’Hare International is one of the country’s busiest because of its location in the geographic center of the nation.

    However, most travelers don’t realize that Chicago has a second airport – Midway – which is not only smaller and less busy, but usually substantially cheaper. Plus, like O’Hare it has a rail link that leads directly into the city’s center.

    Similar cheaper, less busy airports can be found in other cities as well. Los Angeles is served by smaller airports in nearby Burbank and Orange County. Travelers to New York City can use Liberty International in Newark, New Jersey, which has commuter trains that lead into Manhattan.

    Use Search Engines in Disguise

    We all know that computers are super smart. That’s why when you use one of the most popular search engines to look up air fares you usually will be inundated with ads, emails, pop-ups and other marketing tools that try to scare you into booking your flight as quickly as possible.

    This is caused by the “cookies” that track your Internet searches and use this information to market specific products – in this case airline tickets – to you aggressively.

    The solution is simple: When searching for airfares and other travel deals, always use the private or incognito browsing modes. This will keep your identity a secret from marketers and advertisers so you can compare prices and find the right flights without having to worry about dealing with high pressure sales tactics and campaigns designed to scare you into buying a ticket right away.

    Fly Off-Peak Days and Hours

    Like any industry, airlines are driven by supply and demand. When demand is highest – such as before or after holidays, during business hours, and on weekends when people are more likely to travel – prices will always be higher.

    But if you are willing to travel during the middle of the week, in the early morning or late night hours or even overnight, and avoid busy travel days like the Wednesday before Thanksgiving or around the Christmas holidays, you can often find fares that are a fraction of the high price airline fares you would otherwise have to pay.

    Look for ‘No Frills’ Airlines

    The United States doesn’t have as many economy, bare bones airlines as Europe or parts of Asia, but there are still a few that have survived the “Airfare Wars” or have been launched since the major US airlines consolidated.

    Look for smaller, regional airlines that can get you to your destination – or at least close enough to it – for far less money than the big name airlines. While you may find your seat a little more cramped and may have to bring your own in-flight snacks and make your entertainment, the savings are often worth it.

    Don’t Fly At All

    In the US, flying is the most convenient way to get around, but it’s also the most expensive. If you aren’t traveling across the continent, you might consider a less costly mode of transportation.

    While inter-city rail in the US is still expensive and inconvenient, rental cars are cheap and plentiful. And there are still enough bus lines that can get you from Point A to Point B for very little money.

    America is a big country and there is plenty to see. When you travel over the road rather than flying over most of the scenery, there is more to experience. Meet the friendly, outgoing people who live in the in-between spaces to make the most of your visit.

    As the Buddhist saying goes: “It’s not the destination, it’s the journey.”

    Author Bio – This guest post is written by Simon Hopes in support of If you’re looking to fly to destinations within the US, don’t forget to check out JetBlue flights and save up to $20.


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    How to book the cheapest airline flight #travel #vacations

    #the cheapest airline

    Helsinki Times


    Helsinki Times runs a column series called


    with rotating expat column writers,

    How to book the cheapest airline flight

    How airlines price their tickets is a source of many myths and urban legends. These include tips about the best day of the week to buy a ticket, last-minute discounts offered by the airlines, and the conspiracy theories suggesting that the carriers use cookies to increase prices for their passengers. None of these is entirely true.

    Studies have suggested that prices can be higher or lower on a given day of the week – yet, there is no clear consensus on which day that is. Offered prices can in fact drop at any time before the flight, yet they are much more likely to increase than decrease over the last several weeks before departure. Further, the airlines prefer to wait for the last-minute business traveler who’s likely to pay full fare rather than sell the seat prematurely to a price-conscious traveler. And no, the airlines do not use cookies to manipulate fare quotes – adjusting their inventory for specific customers appears to be beyond their technical capabilities.

    What is true about pricing in the airline industry is that carriers use complex, sophisticated pricing systems. The airline’s per passenger cost is the lowest when the flight is full, so carriers have incentive to sell as many seats as possible. This is a race against time for an airline, and, of course, no company wants to discount its product more than it has to. Hence, the airlines face two somewhat contradictory goals: to maximise revenue by flying full planes and to sell as many full-fare seats as possible. This is known in the industry as yield or revenue management.

    Airlines and their bucket lists

    Here is how yield management works. For each flight or route (if we are talking about multi-segment itineraries), the airline has a set of available price levels – from the most expensive fully refundable fare to the cheapest, deeply discounted nonrefundable price. The industry jargon for these prices is “buckets.” Seats can be interpreted as balls that are allocated among these buckets.

    Initial allocation of seats among the price buckets is determined by historical data indicating how well a certain flight sells. For example, fewer deeply discounted seats will be offered on a flight on Thanksgiving week than on the same flight during the third week of February. As the seats on a flight sell, yield managers monitor and adjust the seat allocation. If, for instance, the sales are slower than expected, some of the seats might be moved to lower-priced buckets — this shows up as a price drop. As noted above, such price drops can occur at any time before the flight. However, the general trend of price quotes is upward, starting from about two to three weeks before the flight departure date.

    Of course, an average traveller wants to know when he or she should buy the tickets for the next trip. Another important question is where to buy this ticket. Airlines distribute their inventory on their own Web sites and on several computer distribution systems, meaning that prices can sometimes differ depending on where one looks for them. We are not entirely sure what precipitates this phenomenon – likely explanations include differences in contracts between the airlines and the distribution systems/travel agents, implying that different travel agents may not have access to the airline’s entire inventory of available prices.

    The airlines’ yield managers start looking at flight bookings about two months before the departure date. This implies that it generally does not pay to book more than two months in advance: Studies show that initially the airlines leave the cheapest price buckets empty, and yield managers may move some seats into those buckets if a couple of months before the departure date the flight is emptier than expected. From two months to about two to three weeks before the flight date, the fare quotes remain mostly flat, with a slight upward trend. However, and perhaps paradoxically, there is a good chance of a price drop during this period. We tend to monitor prices for several days – sometimes up to a week – hoping for a lower quote. It does not always pay off, but sometimes we do manage to save a considerable amount of money.

    Two to three weeks before the flight date, the price quotes start increasing. This is the time when business travellers start booking. While price drops are still possible, a chance of a price increase is much higher if you wait to book within this time period. This is also the time when one can find significant differences between price quotes, depending on where one looks and what contract they have with the airlines.

    Thus, if we book a trip earlier than three weeks before the flight date, we tend not to delay the purchase. At the same time, we check quotes from multiple travel agents, or go directly to a site that allows for a quick comparison of prices (such as or Or check the airline itself.

    As for answering the original question we posed, here are some simple tips. First, if you have to travel during a peak period, such as Thanksgiving week, it is generally best not to delay buying that ticket. Otherwise, it might pay to monitor the offered prices for some time before committing. The best strategy for booking within the last couple of weeks before the flight, however, is not to delay the purchase, but to try getting quotes from several agents, which is easy to do in the Internet age.

    Yuriy Gorodnichenko is an associate professor of economics at University of California, Berkeley.

    Volodymyr Bilotkach is a senior lecturer in Economics at Newcastle University.

    This article was originally published on The Conversation:


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    How to Check Airline Ticket Prices #china #travel #guide

    #price airline tickets

    How to Check Airline Ticket Prices

    Promoted by

    Log onto the Web browser and navigate to Bing provides specific airline ticket price checks not available on any other search engine or online booking agent.

    Click the “Travel” tab on the left hand side of the screen. Type in the desired departure and arrival city, whether its a round trip and the travel dates. Below, check all the boxes in the “Compare Search.” This will compare the cheapest flights available on Expedia, Priceline, Hotwire, Booking Buddy and AA Travel. Click “Search Flights” and in a moment the cheapest flight from all the online booking agents will be displayed.

    Look through the prices until you find the least expensive. Take note of the flight information and the airline carrier that provides it.

    Go to the Web site for the airline that provides the least expensive flight. Type in the exact same information into the flight search. Wait for the results to come in. In a few moments you will see whether it will be a better deal to go directly through the airline company or by booking through the online agency with the lowest posted price.

    Navigate to the site with the least expensive option or choose the airline site option. Click to purchase your airline tickets online.


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    How to Compare Ticket Prices for Flights #cheapest #air #ticket

    #compare travel sites

    Things You’ll Need

    Use a piece of blank paper to organize your search. At the top, write the dates you want to travel and your preferred times for departure and arrival, for both the departing and returning trips.

    Check your local Sunday newspaper for a listing of the cheapest flights from your town to other destinations. Many Sunday editions feature a list of the week’s ticket bargains.

    Check websites such as, and, which make it easy to compare airfares. You may or may not not find the cheapest prices on these sites, but typically you will find lower prices than you would receive from a travel agent. It is easy to book a flight, hotel and rental car at these websites.

    Call the airlines directly. Often, the best way to find the cheapest price is to call the 800 number listed for each airline that goes to the destination where you wish to fly. Many times the agents know of “sales” on tickets which are not published elsewhere. You may have to ask for the lowest price available. The agent can book the flight for you when you’re ready.

    Each time you call an airline, write down the name of the airline and the phone number where you reached an agent. Note the arrival and departure times, as well as any cities and times for layovers. For each airline, write the final price of the ticket.

    Review your notes, comparing prices, travel time, layovers, and departure and arrival times, both from online sites and from your discussions with the airline ticket agents, and you will be able to come to a knowledgeable conclusion about which is the best ticket price for your flight


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    Learn How Trip Cancellation Insurance Works 888-407-3854 #sherman #travel

    #travel insurance comparisons

    How Does Trip Cancellation Travel Insurance Work?

    Trip Cancellation Insurance gives you the money you lose if you can t go or are forced to cut your trip, cruise or tour short by unforeseen losses.

    What does Unforeseen mean?

    Unforeseen means: Losses that result from sudden events. Travel insurance for trips and cruises does not cover conditions or events that, on the date of purchase, are known. If what is known causes a claim. your claim will not be paid. It s like wanting to buy Fire Insurance when your house is on fire. Read: Do Callers Think We Were Born Yesterday? or Gina Didn t Need Trip Insurance Until Now

    This is very important when you want Pre-Existing Medical Condition coverage. That s because a travel insurance claim will likely be denied if there s not a turn for the worse . In other words, if the person with the pre-existing condition has already had a turn for the worse prior to you buying your travel insurance, there won t be any coverage.

    This is important: The Trip Cancellation coverage begins at 12:01 a.m. on the day after the date the policy is purchased. All other coverages begin when you leave home for your trip when your departure date is in the future.

    How Travel, Trip, Cruise Cancellation Insurance Helps You:

    • Trip Cancellation Insurance coverage:

    You, a close family member or a travelling companion gets hurt or sick before you leave (your doctor must see you in person and say you can t travel). Travel Insurance reimburses you the money you lose. This can include pre-existing medical conditions. Other events that could cause you to cancel your trip are: Your travel supplier unexpectedly ceases operation. you are laid off. you re required to work, terrorism at your destination. bad weather, hurricanes. natural disasters or unexpected jury duty.

  • Trip Interruption Insurance coverage:
    You, a close family member or a travelling companion gets hurt or sick during your trip and you have to return home early. Before the trip it s trip cancellation. During the trip it s trip interruption. Our plans reimburse you the unused value of your trip plus pays the cost of one-way airfare up to the plan s limit.
  • Emergency Medical Evacuation Insurance coverage:
    You get hurt (ie hit by a cement truck) or sick on your trip. Travel Insurance reimburses you your medical expenses including emergency medical transportation. Did you know that Medicare doesn t cover you outside the USA ?
  • A Trip Delay forces you to have extra accommodation expenses
  • Your luggage is delayed, lost, stolen or damaged. If your checked luggage doesn t arrive within 12 or 24 hours after you do, you can be reimbursed for items you need to buy. Or if it s damaged or never arrives, you can be covered.
  • Or you can get a Cancel For Any Reason plan to cover any possible reason to cancel your trip including: you change your mind, you re afraid to travel, you just don t want to go.

  • 04/10/2017

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    How to Get a Loan to Buy an Existing Business #how


    How to Get a Loan to Buy an Existing Business

    Purchasing a business is a big undertaking, especially when financing is involved. Borrowing to purchase an existing business is somewhat different than borrowing to start a new business because existing companies already have a financial background, which means they have an established overhead and existing expenditures. When borrowing for a new business, these factors are speculative. Having real-time numbers puts more emphasis on the business plan and the existing financial statements.

    Borrowing money to buy a business can be scary.


    Decide how much you are willing to spend each month. Consider the amount of money you will spend on the business loan repayment amount, overhead and Insurance.


    Research how much worth the business has in the current market and economy. Also, determine how much you need to borrow. For the sake of this project, we will assume it is less than $250,000, which would be considered a small business loan.


    Create a five-year business plan and try to secure at least 20 percent for a down payment. Some lenders offer options that don t require a down payment. But in reality, purchasing a business is comparable to purchasing a new home, which often requires a down payment. The five-year business plan must include a financial statement, a profit and loss statement and a statement of projected income. For an existing business, the numbers that are included in these statements are crucial.


    Compare business loan terms, rates and conditions among different financial institutions. Decide on one and make an appointment.


    Prepare yourself for your initial interview with the financial institution of your choice by being ready to convince the financial associate of how much you want this. For example, inform them of whether you re willing risk your own money or other assets. Have your business plan ready to present, as well. This will show your commitment to the task. Remember, your business plan requires accurate numbers and a well thought out plan of action.


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    Probing a device: SNMP WALKs #how #to #use #snmpwalk


    When you decide that you want to write an SNMP monitoring application for a given device you need to start by understanding whats available to you. If you have a MIB you can read through it to get a feel. If you have MIB documentation you have an even better leg up. Whether you have a MIB or not, the best way to start out is to walk the device asking the device agent for every value it can supply you. Given this output you can then know exactly what is being reported where and how you want to tackle it in code.

    The snmpwalk tool can walk the OID tree based on a starting OID or by default with no OID which just returns the MIB-II OIDs.

    Lets walk a device (APC UPS) and look at whats output using the snmpwalk command.

    A large amount of the output was removed for clarity, but you get the idea. We can see the System, Interfaces, and SNMP groups from the MIB-II standard in the example output.

    While the MIB-II information is interesting, unless your probing a basic router you’ll want a lot more information than is supplied. To get an extended idea of whats available we need to give the tool a starting OID from which to walk. To see everything we can supply the enterprise OID, since all OIDs will start from that root. This can be done both with and without a MIB. Without a MIB you’ll be forced to use a “best guess” approach to interpreting values. However if you do have a MIB the output is generally self explanatory and can serve as a reference when writing your application.

    Lets first walk without a MIB (there is a lot of output, I recommend redirecting output to a file):

    In this example we’re asking the snmpwalk tool to walk all OIDs starting from our base OID . (the fully qualified OID up to the vendor identification, which is 318 for APC). For this device I get a total of 308 OIDs returned. However, because all we have to judge the OIDs meaning by is the output this isn’t entirely helpful unless the OID value is a string.

    If we do have a vendor MIB we can use that to walk the device and get far more useful output:

    In this example we’re performing the same operation as before but we’re supplying a MIB to be used (the -m option) and instead of using the numeric representation of the APC enterprise prefix we can simply use the unique identifier “apc” instead to accomplish the same thing. In both cases I returned a total of 308 OIDs, but clearly the MIB assisted output is far more understandable.

    SNMP walking is the SNMP application developers equivalent to a port scan, providing a sound base on which to continue exploring and developing applications for your device. To avoid confusion it is recommended that all development begin by redirecting a full walk to a local file for reference.


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


    Restore Data from Failed Raid 1

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

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

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

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

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

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

    Software to extract data from failed RAID 1:

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

    Procedure to get back data from failed RAID 1 drive:

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

    Important Tips.

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

    Other Popular Software

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

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


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    How to Find Cheap Flights to London #lastminute #travel

    #find a cheap flight

    Things You’ll Need

    Book online, and be specific. While numerous online travel sites, such as Expedia, Hotwire and Travelocity, feature deals on flights to a number of locales (including London), features a section devoted exclusively to booking cheap/discounted flights to London. The site offers a list of airports from which people can fly, as well as numerous times, dates, flight types and prices. A function also exists by which travelers can book hotel and car, in addition to booking their flight.

    Hire a travel agent. This can be done in person, through local outlets like a newspaper or the Yellow Pages, as well as through online sites like Tripology. The latter site provides users with travel agents who offer a customizable trip itinerary, including flight packages to locales like London. For those with limited travel booking experience, particularly to an international location like London, travel agents offer a potentially best-case scenario in terms of securing a cheap/discounted flight to the United Kingdom.

    Book through British Airways. Booking directly through the most popular airline in the United Kingdom is of great benefit to travelers, as the airline features plenty of flights to London. By booking well in advance–when airlines are looking to sell as many tickets as possible in the hopes of selling out a flight, or at the last minute–when airlines are desperate to sell those last few remaining seats, gives discount ticket seekers the opportunity to score a great deal.


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    How to use Google 2-step verification – Tech Advisor #how #to


    How to use Google 2-step verification

    It pays to be as security-conscious as possible with online accounts. Here we show you how to get started with new Google safety measures to protect your email and documents.

    Beef up your Google account’s security by adding 2-step verification. Here’s our guide.

    It pays to be as security-conscious as possible with online accounts. Here we show you how to get started with new Google safety measures to protect your email and documents.

    Millions of people have a Google account and this makes them a prime target for criminals hoping to sell your valuable personal information. It’s crucial that you have a strong password, and not one that’s easily guessed. Ideally, your password should contain a mixture of upper- and lower-case letters, numbers and punctuation.

    Passwords can still be broken with the right tools, though. Google is well aware of the threat and has introduced a second layer of security called 2-step verification. After enabling this extra security, you’ll need both your password and a unique code to log into your account. This code is sent to you in a text message or voicemail something that the hackers are extremely unlikely to be able to access. Read next. How to make Android look like a PC .

    Updated 23 June 2016 with general updates.

    Enabling 2-step verification

    To enable 2-step verification, sign in to your Google account from the usual web page it doesn’t matter which service you’re using as Gmail. Google Docs and YouTube all link to one account. At the top left-hand corner, enter your username and password and then click on My Account, which can be found in the menu that appears when you click on your name.

    On the left-hand side, within the Sign-in Security section you’ll be able to click on the right arrow, that will lead you into a separate section, where you’ll see the Signing in to Google option. If you scroll down, you’ll be able to see 2-step verification, with it being Off by default.

    Click Get Started to enable it; you may be asked to re-enter your password. Select the country in which your phone is registered and the number itself. Next, choose whether you want to receive the codes via text or voice message you can change this option later.

    It’s best to enter a mobile phone number rather than a landline or Skype number. Under no circumstances enter a GoogleTalk number as you’ll end up locking yourself out of your account as the code will be sent to Google Voice which is only accessible after you’ve logged in.

    Click the Try button and you should receive the code on your phone almost instantly. Enter this in the box and click Next. Finally, click Turn on 2-step verification and you’ll be taken back to the Account Settings page.

    You won’t be asked for a verification code for the next 30 days unless you log into your Google account on another computer or device. Remember that you may be asked to enter a verification code for each Google site you use. Only tick the Remember this computer for 30 days’ box if you have sole use of the computer or trust the other people who use it.


    If you have a compatible smartphone, you can install Google’s Authenticator app. This generates codes so you don’t need a phone signal or data plan to receive a text or voice message. The app is available on Apple’s App Store and the Android Market. BlackBerry users should go to Google’s Mobile website to download and install the application.

    Bear in mind that you’ll still need to enrol your phone number as part of enabling 2-step verification to use Authenticator. Don’t forget to click on the relevant link on the settings page for your specific device type follow the instructions to link your handset to your Google account. You can also scan a QR code to authenticate the device.

    Once this process is complete, you can use your phone to quickly get a code whenever you’re asked as you sign into your Google account.

    Google is trying to make it easier to authorise logins with a single option, over a PIN to key-in. This update is slowly rolling out to all users.

    Application-specific passwords

    Not all Google services use verification codes, so you’ll need what Google calls application-specific passwords to log into certain ones. For example, Google Calendar, GoogleTalk, Picasa (now discontinued) and Sync all require a special password in addition to your normal password. These services will provide a link to generate an application-specific password, or you can browse directly to the Authorising applications sites’ page which is in the Security section of your Google account settings.

    Simply enter the name of the application and click the Generate password button and copy the text that appears and paste it into the box of the application asking for it. It doesn’t matter about the spaces: these are ignored. You won’t have to memorise or write this password down as it can be used only once you’ll only need to generate a new one when you first use an application or site that you haven’t already signed into using 2-step verification. If you need to, you can revoke access to one of these applications by clicking the link next to the program in question in the list at the bottom of the page.

    Occasionally, it won’t be obvious that you need an application-specific password. For example, if you try and configure Gmail on an iPhone it will appear as if your usual password is incorrect as you’ll be unable to log in. What you need to do is generate another application-specific password and type it in when you see the password incorrect’ message to verify your account on the device. This is because application-specific passwords replace traditional passwords rather than complementing them.

    Extra precautions

    Although 2-step verification makes your account almost impossible to hack, it can also prevent you from logging in if you lose your phone and can’t get codes. For this reason, you should enter a backup phone number on the settings page and also print some backup codes. You can carry the latter with you to ensure that you can always log in even if you can’t use your phone for any reason.

    If you want to disable 2-step verification you can do so on the settings page. You’ll be asked to enter your usual Google password and possibly a verification code. Click Turn off 2-step verification and then confirm the action in the pop-up window that appears. Be sure to revoke all application-specific passwords as well to return to using standard passwords with other services that don’t use 2-step verification.


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    How to Fly Standby on Last-Minute Cheap Flights #lastminute #travel

    #cheap air travel

    How to Fly Standby on Last-Minute Cheap Flights

    Flying standby requires familiarization with your preferred airline’s policies. (Photo: Hamish Blair/Getty Images News/Getty Images )

    Related Articles

    The contraction of the airline industry means that most flights fly almost full and airlines have largely rolled back programs that allow you to jump on a cheap flight at the last minute. Despite capacity cuts, you can still find an airline or two that gives you a chance to get where you want to go affordably with little notice and strategies on how to fly standby with your existing cheap ticket.

    Step 1

    Pack everything you plan to take in a carryon bag or small daypack so that you receive priority among the standby candidates, as checked baggage creates more snags for the airline.

    Step 2

    Target flights earlier than your confirmed reservation if you already hold a cheap ticket. That way, you can fly using your confirmed reservation if you don’t get on an earlier flight.

    Step 3

    Check online for empty seats on the flight you want or call the airline, asking for your preferred flight and alternatives, as well as details on how full flights are through to the day to your destination. Avoid checking on third-party vendors such as Expedia, Travelocity, Kayak or others, which won’t have the most current information. Purchase the cheapest ticket you see so that you have the ticket to show security at the airport and can proceed to the gate of the earlier flight you want to fly on standby.

    Step 4

    Research AirTran Airways for potential seats if you are from 18 to 22 years old; at time of publication, it was the only U.S. airline adopting a policy designed to allowing students and non-students alike to find cheap standby seats. The program, called Air Tran U, allows young adults to fly on standby for $49 to $99 each way not including fees.

    Ask your airline about relaxed standby rules if an impending blizzard is predicted for your departure city. Airlines, such as Southwest, USAir and Airtran, that take passengers from the Midwest and Northeast to Florida winter getaways may allow you to leave the night before based on your ticket for travel on the day the blizzard arrives; they make the policy decision in the late afternoon. Discuss this option with a customer service representative at the airline’s toll-free number.

    Travel to the airport as early as you can to get on a flight. Proceed to the gate and request to be placed on the standby list. Stay by the gate listening for your name or look for it listed on a gate display and reconfirm that you are on the list as boarding begins if you have been overlooked.


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    How to add traveling to your Resume

    #cv travel

    Rules of the Subreddit

    /r/travel is a community about going places. Articles, questions, stories, or any good content is welcome.

    Clickbait, spam, memes, ads, brochures, surveys or self-promotion will be removed.

    No politics and keep it civil.

    Submission Guidelines

    Read the FAQ and search before posting. Avoid repetitive questions. Search the subreddit to see if topics have been covered already. Check the stickied post or past topics of the week .

    Include a descriptive title . One or two word titles rarely provide enough information. Include the destination.

    If submitting an image or video include context – read this section of the FAQ. No selfies: we re not your facebook.

    Be as specific as possible . including: where you re starting, dates of travel, budget, interests, places you ve been, things you like and dislike.

    Present the research you ve already done so we don t feel like we re doing everything for you; we are not your travel agents.

    Stay around to answer questions or respond to comments. This applies to all questions, image, and blog posts.

    Low-effort posts ( Tips for Peru? , Where should I go? ) will be removed without further notice.

    Example of an excellent post


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    How to Get Airline Deals for a Family of Four #limerick

    #airline deals

    How to Get Airline Deals for a Family of Four

    Investigate cheap airfares so your family trip is affordable and memorable. (Photo: family on vacation image by Larry Roberg from )

    Related Articles

    When traveling as a family, you ve got enough to worry about without adding pricey tickets to the list. Corralling exuberant kids eager to race down concourses and finding ingenious ways to stop them from kicking seat backs on flights should be your only worries. Control what you can. Find deals to get your family of four out and about without savaging the family budget. Saving money can be a good incentive for traveling with kids.

    Step 1

    Select travel dates that fall in the middle of the week, day and weekend. Trade optimal business travel times for offbeat departure time slots, avoiding Monday mornings, Friday evenings and Sunday evenings when travel-weary executives rule.

    Step 2

    Opt for layovers. Obtain lower rates while using these opportunities to help kids dissipate energy in-between flights. Bring a jump rope in your carry-on. Pry hand-held games from little hands while on the ground so you find additional reasons to appreciate your cut-rate tickets.

    Step 3

    Be the early bird and get the lowest prices available when you book four seats for your family members 21 days in advance of your departure date. Use this lead time to your advantage by getting rock-bottom price tags and a bonus: booking early practically guarantees keeping your family seated in close proximity on all legs of your trip.

    Step 4

    Use your favorite web search engine to find and then peruse top discount airfare consolidator sites (e.g. Kayak, Mobissimo) to get the skinny on penny-pinching tickets for your family of four. Employ keywords like last minute flight deals to sleuth out fare reductions if consolidators don t do the trick, particularly if you re able to pull kids out of school for spur-of-the-moment travel opportunities.

    Step 5

    Buy four reduced-fare tickets directly from airlines working hard to compete with consolidators and discounters. Ask ticket agents for the lowest possible fair, not economy flights. Never equate purchasing a ticket on the Internet with getting the cheapest fare when searching for budget-pleasing tickets.

    Step 6

    Compare Internet brokerage sites (Priceline, etc.) that offer you an opportunity to bid for the four airline tickets your family requires. Exchange the cut rate you receive for losing control over travel times. Weigh this option carefully if interrupting a nap schedule has the potential to turn a heavenly flight into an unpleasant experience.

    Find bargain flights for your family of four within the pages of major publications that regularly rival Internet sites for price cuts. Consult the travel section of the New York Times, Miami Herald, Chicago Tribune and USA Today to compare low-cost fares. Be on the lookout for half-round-trip call-outs in newspaper ads so you re not signing on the dotted line for tickets that won t get you back home.

    Investigate travel packages — one-price deals that save time and money by bundling food, flight and lodgings together for one low price. Check out Have Kids, Will Travel ( to locate all-in-one escapes to Veil, Jackson Hole and destinations in the West. Explore Disney packages to theme parks for some awesome deals. Break out line items if these deals seem too good to be true. Don t be surprised if kids fly free packages lull you into believing that flying as a herd can be fun.


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    How to Travel in Europe for Cheap #cheap #flights #and #rental

    #travelling europe

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    No one is ever going to claim that travel in Europe is cheap. Between taxes, higher prices and exchange rates, you could easily spend more than the cost of your ticket in a week just on housing, local transportation and food. This expense definitely does not have to be the case. With a lot of planning and some practical ideas, you can travel in Europe on a tight budget and explore the continent without breaking the bank.

    Step 1

    Plan everything. If you want to keep your costs down while traveling in Europe, leave nothing to chance. Build an itinerary to follow, noting how many nights you plan to stay in each place. This schedule will help you book your travel arrangements and accommodations in advance. Develop your itinerary carefully, however, as once it is in place, you will need to stick to it to keep your costs low.

    Step 2

    Book early, and book online. Although a standard rail pass and airfare are basically fixed costs, most other transportation is significantly cheaper if you can book it more than a month in advance. This tactic includes bus transport and trains between cities, as opposed to those covered by a national pass. Buying in advance, particularly when compared to buying tickets the day of your journey, can lead to substantial savings.

    Step 3

    Join This website is dedicated to helping international travelers find free accommodations. It costs a donation to verify your bank account and thereby your legitimacy, but after that, the service is free. It is based on a social media platform, similar to Facebook, where you can make friends and lists, but the basic mechanic allows you to find people to stay with wherever you happen to be traveling. You can also offer to host travelers yourself. Accommodations vary dramatically, with some people offering couches or air mattresses and others offering rooms or suites that you may use. Hosts specify how long you can stay, which can vary from just one night to more than a week. With even a hostel bed costing at least $20 a night, this resource is well worth exploring to keep your European travel costs down.

    Spend cash. Withdrawing money from an ATM may include small fees, for currency exchange or withdrawal, but they are less than the fees a money changer will charge you or that your credit card company will charge you for the same service. For large purchases, some merchants may even offer cash discounts. Keep your cash in a safe place, such as a money belt, but in general, spending cash will save you money. The euro is accepted in most European countries and is therefore the recommended currency to carry.

    Eat like a local. Backpackers save money by purchasing sandwich fixings and picnicking across Europe rather than eating in restaurants. If you do eat in restaurants, look for tourist menus, which offer fixed-price meals that often include beverages. Otherwise, avoid the restaurants near the tourist attractions, and look for those frequented by locals. The cost will always be lower than those restaurants serving visitors and tourists, and the cuisine will often be more authentic for the area.


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    How to pick the Right Travel Insurance in Singapore #travel #china

    #ntuc travel insurance

    How to pick the Right Travel Insurance



    To travel worry-free, it is best to buy a travel insurance before you hop onto a plane. But sourcing for an affordable policy can be time consuming especially when you need to compare the benefit limits of each travel insurance. Singapore has many travel insurance plans, thus this makes the comparison even more tedious.

    3 Factors to Decide on the Right Travel Insurance Plan

    So, I always adhere to the following three principles to decide the best insurance for my travel plans:

    1) Destinations that are expensive, thus, medical costs is deemed to be expensive too when I require any medical assistance there. A good example will be Japan and USA.

    2) Destinations that I am likely to be involved in some active activities like hiking, white-water rafting and etc, having a travel insurance plan will definitely help to ease some unnecessary worries.

    3) Destinations that are highly probable of losing or delaying baggage or theft, a travel insurance that compensates for losing of personal belongings definitely helps to melt off some annoyance when such nasty thing happens.

    Travel Insurance Companies in Singapore

    When it is decided that I need a travel insurance plan, to maximize every dollar, I will do what most travellers would do google for the cheapest travel insurance deals online. There are many travel insurance companies in town such as:

    When picking the right travel insurance for myself, I pay more attention on the benefits coverage/limits on flight delay, trip postponement, trip cancellation, as these are most likely reasons to make a claim .


    Related Posts on Travel Insurance

    ACE Travel Insurance is affordable with a basic plan starting from $8. But you need to pick the right plan that suits your travel style. Find out what are the additional 10 benefits offered by the supreme packages.

  • AIG Travel Guard
    AIG s Travel Insurance packages are great for people with lots of concerns; many are one size fits all types.
  • Tenet Travel Insurance
    Tenet Travel Insurance offers comprehensive coverage for all with no age limit. During Tenet TravelJoy promotion, discount on single trip plan is up to 45%. Make travel insurance your perfect companion for an enjoyable trip.
  • Travel Insurance Plan Reviewed

    After spending so much time researching on travel insurance in Singapore, I decided to share my reviews on Singapore s travel insurance and tips on how to claim travel insurance successfully.

  • 25/09/2017

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    How to Book Airfare #i #travel

    #book airfare

    How to Book Airfare

    (Photo: OnlineГѓВјberweisung image by PhilK from )

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    Items you will need

    • Computer with Internet access Credit card

    Step 1

    Determine your dates of travel and your departure and arrival cities. You need to decide whether you will fly out of your local airport (if there is one) or out of a nearby airport. Usually, the larger the airport, the lower the airfare, since it can accommodate a wider variety of airlines. The same goes for your destination city: It might be cheaper to fly into a nearby larger airport, and then take a car, bus or train to your final destination.

    Step 2

    Search websites such as, or to compare offers from different airlines according to your dates and cities of travel. The more flexible you can be with your dates, the better chance you have of finding cheaper airfare. Also check for the latest sales, discounts and package deals from domestic and international airlines. You might find an excellent airfare and hotel package that will save you money, especially if you already had planned to book a hotel separately.

    Step 3

    Choose the airfare that best suits your time line and budget, selecting either directly from an airline s website or from an online travel agency. Make sure to double-check the flight cities, times and dates, as well as any layovers. Write this information down before you proceed. Additionally, write down a phone number from the website that you can call in case you have any questions. Sometimes, booking directly from an airline can be useful if you come across a problem and need to speak to someone. If you book from a travel agency website, you might have to go through several representatives before your problem is solved.

    Submit your payment information on the website using your credit card. You might be charged extra for certain types of credit cards, so check before purchasing. Some websites offer travel insurance, car rental, speedy boarding, seat reservation, baggage check-in and other extra services for which you will be charged. If you don t need any of these services, be sure to uncheck the box for each service, or you will be charged for them.

    Alternatively, you can call a travel agency or an airline to book airfare. However, most airlines will charge a booking fee for reserving a ticket over the phone instead of online. You can find phone numbers for travel agencies and airlines in your phone book or online. Search for travel agencies at websites such as


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    How to Travel to Bath, England #travel #centre

    #bath travel

    How to Travel to Bath, England

    The Roman baths in Bath, England, are a major tourist destination. (Photo: Davis McCardle/Digital Vision/Getty Images )

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    Bath is a small city about 115 miles west of London. The town sits over natural mineral springs, which have been a destination for health and relaxation since the time of the Roman occupation of England. Roman ruins surround one of the hot springs in the city center, and are open to the public as a museum and educational center. Today the city is full of beautiful period architecture and remains a major tourist destination in England. Traveling there is relatively easy, as the city is not far from a major motorway and has regular train service from London.

    Step 1

    Take the train. Bath is only about 10 miles east of Bristol, a larger city and a major train stop. Numerous trains from all directions stop in Bath, including regular trains from London. Trains from London depart Paddington Station for Bath every half-hour during the day. Trips from London take about 90 minutes, and from Bristol about 15 minutes.

    Step 2

    Drive to Bath. From London, the trip to Bath is about a two-hour drive. Bath is just south of the east-west running M4 motorway. Additionally, it’s only about 15 miles east of the M5 motorway, which runs into Birmingham, 100 miles to the north.

    Fly into Bristol. Bristol’s airport is about 20 miles west of Bath. The airport accepts flights from most major cities in Europe, a few in North Africa and, as of 2011, one flight from the United States. Regular connecting flights from London make it easily accessible from all over the world. Taxis and buses are available for transportation from the airport to Bath, and the Bristol rail station is only eight miles away from the airport.

    Ride the bus. National Express buses depart Victoria Station in London for Bath every 90 minutes. The trip via coach takes just under four hours. Additionally, buses leave from Bristol regularly and take about 40 minutes to get to Bath. Travelers from other parts of the U.K. can transfer to a Bath-bound bus in either London or Bristol.


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    How to work with GTA #travel #advisory #canada

    #gta travel

    State-of-the-art technology at your disposal

    Tailored to your needs and business model

    We strive for continuous improvement and are committed to providing our partners with a user-friendly and advanced technological infrastructure to suit their requirements and business models. This results in exceptional ease and efficiency of operations.

    GTA Hotel Extranet

    With access to our easy-to-use multilingual Extranet, hotel partners are given control of inventory, rates, bookings, and invoices 24 hours a day, 365 days a year. It enables the effective management of online room availability and last minute inventory updates as well as optimisation of contracted rates. The easy creation of offers gives you a quicker response to market conditions. Additionally we provide comprehensive and stress-free booking and transparent invoice management. You can maintain your product and service information to ensure its up-to-date.

    Suppliers Online (SOL)

    SOL gives our destination service supplier partners real-time, always available oversight of their bookings and invoices. Such smooth communication improves the effectiveness of your planning.

    GTA Hotel Extranet and SOL are easy to use online tools that enable you, our supplier partners, to interact directly with the GTA reservation system. Tens of thousands of partners worldwide are enjoying the benefits of these user-friendly systems.

    Channel management

    Leading channel management technologies are integrated into GTA s online environment. Our partner hotels are able to centrally maintain inventory and room rates in real-time through a single interface.

    Solution for hotel chains

    GTA is ready to connect with any chain s central reservation system through a switch connection provided by our technology partners. It provides a trackable, seamless and yielded distribution aligned with your chain s strategy.


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    How to Get Cheap First Class Airline Tickets #travel #china

    #how to get cheap airline tickets

    How to Get Cheap First Class Airline Tickets

    First-class flights often comes with gourmet food, more legroom and top-notch service. (Photo: greek gourmet food-moussaka 4 image by Svenja98 from )

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    Items you will need

    • Credit card with elite status Membership in airline loyalty program

    Step 1

    Sign up for airline newsletters to receive word of sales, coupons and discounts. Most carriers will have an email sign up on the website #039;s front page, or you can sign up for compilation newsletters from services like Airlines often run events featuring cut-rate deals on flights, but only for those savvy enough to read their bulletins.

    Step 2

    Fly a particular airline repeatedly to build frequent-flier miles. Accumulated travel equals loyalty in the eyes of a carrier, which often rewards that loyalty with free or cheap first-class upgrades. To obtain a domestic seat with just miles, you #039;ll need between 40,000 and 60,000 miles for most airlines, according to Erica Silverstein of USA Today. For an upgrade from an existing coach reservation, the amount drops to around 15,000 miles for a domestic flight.

    Step 3

    Fly with an airline that has a low-price first-class section. Low-cost carriers have a corresponding cheap first-class section compared with legacy or luxury carriers. These airlines often have loyalty programs that record flights or miles, so the trip can come in handy later on.

    Purchase a special type of ticket that allows a first-class upgrade. One type, known as a K-UP or Y-UP, is an economy fare that allows travel in first class if there is space available, according to international travel tip site Air Travel Genius. You also can purchase a full-fare economy ticket that comes with the option of a complimentary upgrade, if space allows. Silverstein says to check before purchasing, since some airlines mandate that upgrades are limited to elite fliers.

    Use a credit card that grants elite status as a perk. If you use the card to book your flight, the airline might discount the cost of the flight, give an automatic upgrade, or award substantial miles on the purchase. This option is available only to those who qualify for these hard-to-get credit cards.


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    How to Transfer an Airline Ticket #travel #to #vietnam

    #airlines ticket

    How to Transfer an Airline Ticket

    It’s possible to transfer your airline ticket, depending on the time and the circumstances. (Photo: K-King Photography Media Co. Ltd/Lifesize/Getty Images )

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    When you purchase an airline ticket, always heed the warning: “Read the fine print.” You probably already know that airlines make it difficult to transfer plane tickets, and depending on the airline, you may have very little luck changing or transferring your ticket to a different person; changing the date of the reservation; or changing other details of the reservation. Still, you can try.

    Step 1

    Look at your ticket. Look for the words “non-transferable” or “restricted” on your ticket, as these words tell you if you can transfer your ticket to someone else or change your own ticket to a different time. If you paid full price for a first-class or business-class ticket, chances are better that the ticket will not be “non-transferable.”

    Step 2

    Visit your airline’s website. Look for the “Reservations” or “Tickets” section to find information about their cancellation and transfer policy. In some cases, you may be able to transfer the ticket to another person or pay a fee to cancel the ticket and have it reissued in someone else’s name. Arm yourself with some knowledge about the airline’s policies to give you ideas on how to approach the next step.

    Contact the individual airline that issued the ticket to inquire about transferring your ticket. Some airlines, such as American Airlines, have an online assistant who will allow you to change some tickets on the Internet, while other carriers require you to call the airline’s customer service department. Provide the airline with the information about your situation so they can determine your options. Since airline policies and individual tickets change so often, the only real way to know what will happen with your ticket is to directly contact the airline.

    Cancel your reservation, if you were not able to transfer your ticket through your airline’s customer service department. In most cases, you’ll pay a fee of about $100 to $150 to cancel your ticket, and the airline will issue you a credit for the remaining balance on the ticket.


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    How to Become a Travel Agent #bidding #for #travel

    #become a travel agent

    How to Become a Travel Agent

    By Elizabeth Palermo, BusinessNewsDaily Contributor March 11, 2013 06:40 pm EST

    Most travel agents are employed full-time by travel agencies, hotels, tour companies or other companies in the travel arrangement and reservation service industry. / Credit: Hasloo Group Production Studio | Shutterstock

    If you re looking for a job that combines sales, customer service, and logistics, then a career as a travel agent might be right for you. Travel agents take care of all the planning associated with vacations or business trips, such as transportation, lodging, dining and entertainment plans.

    There are different kinds of travel agents, and training for the job differs depending on where an agent chooses to work. If you re considering a career in this field, you may want to know what your potential responsibilities will be, where you might find work, and what qualifications you ll need to get a job.

    What travel agents do

    Travel agents primarily work in sales. They sell transportation, lodging and admission to entertainment activities to individuals and groups who are planning trips. Travel agents are also called upon to give advice on destinations, itineraries and other choices associated with planning a vacation or business trip.

    It is imperative that travel agents be good communicators who can determine what clients want and need. They must keep in mind customers budgets and preferences when planning and arranging schedules and activities.

    Travel agents must also have excellent computer literacy and research skills, as much of their time is spent online researching destinations and booking reservations.

    Some travel agents are asked to visit the hotels, resorts and restaurants that they recommend to clients in order to assess the comfort, cleanliness, and quality of the places they promote. [Related: Jobs that Can Make You Fat ]

    According to the Bureau of Labor Statistics Occupational Outlook Handbook. a growing number of travel agents focus on a specific type of travel, such as adventure tours, or specialize in planning trips for a particular group of people, like senior citizens or couples with children. Other agents may choose to work predominately with the employees of corporations or for companies that sell tours and travel services.

    Where travel agents work

    Most travel agents are employed full-time by travel agencies, hotels, tour companies or other companies in the travel arrangement and reservation service industry. About 14 percent of travel agents in the United States were self-employed as of 2010, according to the Occupational Outlook Handbook.

    The median annual wage for travel agents was $31,870 in 2010, with the top 10 percent of agents earning more than $50,620 a year. Some travel agents work more often during peak travel seasons, such as holidays, and must be available to accommodate customers last-minute schedule changes.

    Becoming a travel agent

    Typically, a high school diploma is required for work as a travel agent, and some employers prefer to hire agents who have received formal training in a field related to the travel industry. However, almost all employees offer at least some on-the-job training for new agents.

    Classes in professional travel planning are offered at many community colleges, vocational schools and industry associations. Such courses usually focus on reservation systems, international travel regulations, sales and marketing. Degree programs in travel and tourism are also offered at some colleges and universities.

    Some states require that independent agents possess a business license in order to sell travel services. To see if your state requires such a license, contact the state licensing agency.

    While no formal certification is necessary for travel agents, those who wish to advance their careers may want to obtain a certificate from training institutes, such as the International Airline Transport Association s Training and Development Institute or the Travel Institute .


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    How to see Italy by train #southern #travels

    #train travel italy

    How to see Italy by train

    In a new book, Tim Parks says that to get under the skin of Italy, you must board a train. Whether an ultra fast service to Rome or a time-warp dawdler to Milan, all national life is there.

    8:00AM BST 23 Jun 2013


    Here are a few complications that may occur if you take the 18.36 Regionale Veloce on a Sunday evening from Verona (Porta Vescovo) to Milan (Centrale). Your underlying problem is that this is a small station where the fast through trains from Venice to Milan don t stop.

    You could get a local to Verona Porta Nuova, the main station on the other side of town and then a fast Frecciabianca; but if some delay hardly unusual prevents you from making your connection, you ll be left holding a ticket that is valid only for that one reserved-seats-only train. Not good.

    Or you could go to Verona and wait for another regionale. However, the westbound Milan departures seem timed to depart just seconds before your train arrives from the east. You ll be caught waiting nearly an hour.

    Given this situation, you feel rather grateful that there are still four slower trains a day from Venice right through to Milan, stopping in Verona Porta Vescovo. Regionale Veloce, means fast regional, but is actually a slow train. Let s say, the faster of the slower trains. On which you can t reserve a seat even if you want to.

    It costs 11.55 (£10) to go 150km in just under two hours. A giveaway by British standards. The Italians still have the concept of social pricing, even if their rail system is monstrously in debt. The Frecciabianca costs 23 (£19.50). This could be why the regionale, when it arrives, is so grotesquely packed.


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

    #travel insurence

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

    Overlapping coverage

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

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

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

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


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    How to implement a successful corporate travel program. #travel #reservations

    #corporate travel

    By David Grossman, special for USA TODAY

    In tough economic times, businesses are always seeking new ways to reduce costs, and travel budgets are often one of the first areas to come under scrutiny. One way to save money without sacrificing necessary travel or the traveler’s quality of life on the road is through the deployment of a corporate travel management program. While most large corporations have such programs in place, many smaller businesses don’t and could benefit greatly by implementing one.

    “A corporate travel program allows corporations to achieve transparency and accountability of one of their significant expenses,” says Ellina Arakelova, the travel operations manager for Align Technology, the makers of Invisalign, clear aligners for straightening teeth. “A well-managed corporate travel program ensures better corporate and financial discipline and improves the traveler experience,” adds Arakelova, who was hired to implement a corporate travel management program for Align.

    Based in Santa Clara, Calif. Align Technology, Inc. has 1,400 employees worldwide and earned just over $300 million in revenues last year. When Arakelova joined the company in October 2007, there was no formal travel management program in place and no one dedicated to managing the company’s travel. Align had a relationship with a travel management company (TMC) and a corporate credit card, but use of these was not mandatory and employees routinely booked travel on public websites, making it impossible to track expenditures. “There was no pre-trip visibility and very limited opportunity to correctly reconcile travel spend,” says Arakelova.

    Today Align’s corporate travel management program covers all trips originating in North America and will soon extend to its offices worldwide. Arakelova currently has 500 travelers in her database. Here are some of her steps for implementing a successful corporate travel policy.

    Make a plan and keep it comprehensible. As a certified travel manager, Arakelova built and managed a corporate travel program at her previous job, so she knew just what to do when she joined Align. The existing travel policy was extremely broad and not enforced, according to Arakelova.

    Arakelova worked with her finance department to construct the new travel policy. She wanted a terse, easy to understand policy, putting procedures and other frequently changing information in appendices for updating without altering the underlying travel policy.

    Arakelova wanted to consolidate all travel operations though a single TMC and online booking tool. The new travel policy would mandate the use of these entities as well as the corporate credit card, and preferred travel vendors.

    Get buy-in from all departments. To bring the rest of the company on board, Arakelova developed a business plan and financial proposal detailing the projected cost savings through a managed corporate travel program. “We did quite a lot of internal marketing and presentations, and got support from the upper management and the employees as well,” she says.

    Find a travel management company. Next Arakelova developed a request for proposal (RFP) to evaluate or benchmark each travel management company. Arakelova sent the RFP to several contestants and selected Carlson Wagonlit Travel because they offered the best package of services, costs, travel reporting and supported technologies. “Going with Carlson I could implement any online booking tool,” says Arakelova. Carlson also provided web space for a customized Align travel portal and the use of their corporate hotel directory. That was a huge asset for Align because their customers are scattered across the country. Arakelova saw the reporting tools offered by her RFP respondents as an integral component of the corporate travel program. “Financial visibility and travel data analysis are key to program success”, says Arakelova.

    Implement an online booking tool. From her previous experience Arakelova believed it was crucial for travelers to use an online booking tool to bring costs down and manage data. Arakelova chose Concur Cliqbook Travel as her online booking tool because it has a user-friendly interface. In addition, Arakelova was able to build the travel policy, approval process and preferred vendors into Cliqbook. She says Cliqbook also provides excellent policy compliance enforcement and is easy to administer.

    Ensure effective communication. The travel portal is a critical component of Arakelova’s travel management program. The portal consolidates all travel-related information and is accessible to all Align employees. “Effective travel communication channels are one of the most important parts of the travel program,” says Arakelova. The portal contains the policy and procedures, access to Cliqbook or an agent-assisted booking process, training materials, insurance information, the preferred vendor list, travel alerts, and destination news. Arakelova also uses internal company publications for flash news and important announcements.

    Train your travelers. Training and education are also critical components in getting employees to understand the need for travel policy compliance and learn how to book through the new system. “We can implement the best technology, but if the traveler is not educated in how to use it, the travel program is useless,” says Arakelova. To educate employees Arakelova conducts live Web-based training sessions and has made travel training part of new-hire orientation. Arakelova also plans to video record the training session, so employees can access it any time through the travel portal.

    Keep improving. It took Arakelova less than six months to implement her new corporate travel management program. She subsequently added the Concur expense reporting module and a new product called Ride Charge which allows employees to book ground transportation online. “Cliqbook constantly develops new features,” says Arakelova. “It is the responsibility of the travel manager to be well educated on technology innovations and communicate new features to users,” she adds. Arakelova also plans to add group and meetings booking capabilities and will extend the program internationally to Align’s global locations.

    Show results. An impressive 78% of Align travelers now initiate bookings through Cliqbook with greater than 98% corporate travel policy compliance. More importantly, Align’s overall travel operations realized a 56% reduction in management costs, a 25% reduction in average airfare, and a 35% reduction in average car rental costs.

    Travelers, tell us about your experiences with your company’s managed travel program. Managers, do you have anything to add to this list? Sound off below.


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    How to Book a Cruise Including Flights #airfare #tickets

    #book airfare

    How to Book a Cruise Including Flights

    Save time by booking your cruise and airfare together. (Photo: Jupiterimages/Comstock/Getty Images )

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    When you book a cruise, whether a short weekend trip to the Caribbean or an extended voyage across the Mediterranean, chances are you’re going to have to travel to the cruise port. Unless you live within a few hours drive of a major port, that usually means flying to the nearest city. Many cruise lines allow passengers to book airfare at the same time as the cruise. This not only gives you the benefit of choosing from flights that ensure you’ll arrive at the port on time, but when you book directly, the cruise line will assist you in the event that you have a travel delay or problem.

    Step 1

    Visit the website for the cruise line you wish you travel on, or an online travel booking site. Click on the link to book a cruise.

    Step 2

    Indicate the cruise you want to take by choosing from the option menu; in most cases, you’ll need to choose a cruise destination, the month you want to travel and your departure port. Click search to find cruises.

    Step 3

    Choose the cruise you want to take from the list of available options. Review the cruise details, and click on the link to book to cruise.

    Step 4

    Enter the required information to book the cruise, including your name, address and any special requests you may have. Depending on the cruise line and the booking method you’re using, you may also choose your stateroom when you book.

    Step 5

    Click on the link to add air transportation to your cruise. Enter the departure and arrival cities. In most cases, the cruise line will pre-populate the date section with the dates of your cruise, but you’ll have the option of adding days on either end of the cruise.

    Step 6

    Choose the flights you wish to take from the available options, and follow the prompts to add them to your cruise reservation. Enter the required information for each traveler; the Transportation Security Administration requires all air passengers to provide their full name, birth date and sex when purchasing airline tickets.

    Step 7

    Confirm that all of the information for your cruise and the airfare is accurate. Double-check that there is adequate time to travel between the cruise port and the airport; in most cases, you’ll need at least four hours to ensure that you make it to your cruise on time.

    Add any additional excursions or extras on to your cruise, if desired. Some cruise lines allow you to reserve and pre-pay for shore excursions, or pre-pay gratuities.


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    How to Become a Travel Agent in Florida #cheap #vacation #packages

    #become a travel agent

    How to Become a Travel Agent in Florida

    Becoming a travel agent is appealing to many people. Travel agents often enjoy the benefits of free or deeply discounted travel so they can research and learn about new destinations to help clients plan their dream trips. According to the U.S. Bureau of Labor Statistics, more than 105,000 travel agents currently work in the country, and the job outlook will remain steady for the next decade. The state of Florida offers unique opportunities for travel agents due to its heavy tourist industry. While Florida does not require a travel agency license, it does have travel agent registry requirements that exceed the requirements of most other states.

    Other People Are Reading

    Develop the skills you will need to become a successful travel agent. Computer skills, for one, are an absolute necessity for booking travel, researching destinations and working with agencies’ tools and computer programs. Also, travel as much as you can. Firsthand knowledge of destinations will be helpful to guiding your clients.

    Gain experience in the travel industry. The field is competitive, so any special experience you have will be a plus. Consider working in the travel industry at a hotel or for an airline to gain knowledge of how these companies run. Take a course for travel agents, such as those endorsed by the American Society of Travel Agents (ASTA), which are listed on its website. Or consider a class in the travel industry at your local community college. The Internet offers many courses, as well, most of which are reputable. But, beware of online scams or pyramid schemes disguised as training programs.

    Find a job working for a travel agency. Some agencies have office space and set hours, while others’ employees are more independent. It may be beneficial for your first job to be in an office where more experienced agents can act as mentors. However, you may prefer the flexibility of being an independent employee of a work-from-home agency. Keep an up-to-date resume and be prepared to highlight your travel-related experience and customer service skills in an interview.

    Register with the state of Florida. The Florida Department of Consumer Affairs requires individuals who sell travel-related services to register annually. This includes those who own a travel agency or who are employed by one. Independent sales agents are exempt from providing proof of assurance. The registration may be completed on the department’s website by filling out the form for independent sales agents and paying the $50 filing fee. You are required to renew the registration annually.

    Customize your skills to set yourself apart from the competition. More and more travelers are able to book routine travel online or by working directly through vacation companies. A travel agent who finds a niche in an area of travel people in which people need specialized expertise can still be very successful. Some examples of areas of specialty are luxury travel, exotic countries, honeymoons and senior travel.


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    How to Book an Amazing Cheap Vacation Package #egypt #travel

    #cheap vacation deals

    How to Book an Amazing Cheap Vacation Package

    Wise Bread Picks

    Sometimes planning a vacation is as fun as taking the vacation. But sometimes you want someone else to do all the work for you and just book a vacation package. Because, let’s face it, sorting through hotels, itineraries, and flights can be a daunting task when you just want to get away. Plus, you can often find better deals when you book a package. (See also: The 5 Best Travel Reward Credit Cards )

    Personally, I’ve booked multiple cheap vacation packages over the years. One time, I went to Toronto, Canada for a last-minute long weekend where we stayed in a 3-star hotel and got a nonstop, round-trip plane ticket for $300 less than the cost of any multi-stop ticket without the hotel.

    Another time, I traveled to Vienna, Austria for a week by booking a cheap vacation package we stayed in a fancy 4-star hotel (they had a bowl of free mini-Toblerone chocolates in the lobby!) and got flights on a stellar foreign airline for about $500.

    Perhaps the best deal of all the vacation packages I’ve purchased was a round-trip ticket to Hurghada, Egypt (a resort town on the red sea) plus a week in a 3-star resort, with two meals a day for $330.

    How did I do this? Here are my cardinal rules for how to book a cheap vacation package, followed by an easy three-step process.

    Tips for Booking a Cheap Vacation Package

    For the greatest savings on your vacation package, use these nine tips to guide you through the booking process.

    1. Be Flexible on Place

    You’re going to get the cheapest vacation package if you are completely open to any destination. I recommend either choosing an activity that you’re looking for (e.g. beach, skiing, museums) or a general destination (e.g. Europe or South America) and then looking for vacation packages that meet this more general criteria. When you’re more flexible on place, you’re going to get a better deal. (See also: Affordable International Vacation Destinations )

    2. Plan Far in Advance or Book Last Minute

    The best vacation deals I’ve found have always been last-minute trips. However, my trip to Vienna was planned about nine months in advance. You are best off planning more than three months in advance (four for summer travel) or less than two weeks. Planning a trip in only two weeks may sound scary but you can block off the dates now and choose the destination later!

    3. Be Flexible on Time

    Just like with flexibility on destination, travelers who are flexible with when they go are going to get better deals. Time includes days that you travel, how long you stay, and even time of day for flights. The more flexibility you have, the cheaper vacation package you’ll snag. (If you’re unsure of how to search based on flexibility, start by checking out my favorite search engines for flexible travel .)

    4. Be Flexible on Amenities

    Most vacation packages typically include flights and hotel. Some also include a rental car, admission passes to a nearby attraction, or all-inclusive meals. It’s best to be flexible on the amenities you want you can always opt to not use the tickets or to find a rental car on your own.

    5. Bring a Friend (or Two)

    The majority of vacation packages are priced per person for two people. If you are traveling by yourself, you’ll likely see a surcharge. Some packages charge less per person when there are three or four people all booking together (usually sharing one room).

    6. Know That You Can Extend Your Dates

    A vacation package frequently has certain dates or number of days set in stone. For example, a long weekend package might begin on a Friday and go until Monday. Don’t feel confined by these dates many of the vacation packages will allow you to extend the dates for several more dollars. And if they won’t let you extend your trip, consider finding your own way home. One time, for example, a vacation package I found was such a good deal that I booked it, but I wasn’t able to extend the trip through the company. So once at my destination I found different lodging for the duration of the trip and bought a one-way ticket home. (See also: Hotels vs. Hostels )

    7. Travel From a Major Airport Hub

    The best vacation packages are priced from major airport hubs like LA, NYC, DC, and Chicago. Some companies will only let you book from these hubs. Other companies will add a surcharge for smaller airports. If you’re getting a surcharge added for your airport, consider booking this flight separately by checking to see if you could get a better price on your own. Just be forewarned that if something goes wrong with your first flight to the hub, you may be left in a lurch. So plan to arrive extra early or buy travel insurance.

    8. Travel From a Foreign Country

    The $330 steal to Egypt that I snagged? That was flying round-trip from Moscow. (Hurghada happens to be a hotspot for Russians.) When I traveled in Germany I noticed some amazing prices on vacation packages to foreign countries. So, if you’re lucky enough to have the flexibility to spend more time traveling once you get to your first foreign destination, head to a travel agency and ask where the best vacation packages are to determine your next stop.

    9. Splurge: Spend the Money to Upgrade

    Usually with vacation packages, you’ll have a cheaper option for the package, then you’ll be given an option to upgrade to a fancier hotel. If you upgrade, you’ll get a much better hotel in a much better location. Every time I’ve upgraded, it’s been more than worth the cost (e.g. the Toblerone hotel in Vienna). And every time I’ve passed I’ve regretted it. (The Egypt hotel had a barely functioning shower. For $50 more we could have stayed at a 5-star resort with swimming pools with swim-up bars. But at the time we had little money and didn’t see the value of the better hotel until we arrived.) (See also: How to Negotiate Your Hotel Deal )

    How to Find a Cheap Vacation Package in Three Steps

    Now that you know the tips, you’re ready to start actually searching for a vacation package.

    1. Make Some Decisions

    First, look through the tips above and make some decisions about dates, places, people, budget, etc. As I mentioned, the more flexible you are the cheaper vacation package you’ll get; but note that you’ll also spend more time searching for packages.

    2. Determine What’s a Good Deal

    Before you know that you’re getting a cheap vacation package, you need to get a baseline price to compare the vacation package to. I recommend choosing you favorite travel search engine (I like Kayak ) and entering a flexible date search for your city to the location you’re considering and first get a baseline sense of what airline tickets cost. Next, use the search engine’s hotel function and see the approximate cost of a hotel for a stay of your length. For instance, if the cheapest fares you are finding are $500, and the hotel for a week’s stay is $600, you’ll know that a vacation package that’s less than $1100 is a good deal.

    3. Search and Book

    How to you actually search for a deal? Here are the best places to look:

    For Last-Minute Trips

    For Flexible Locations

    • Go-today has the easiest browsing and good deals for travel abroad. (I’ve used Go-today for several trips that have been outstanding.)
  • Priceline allows you to be flexible on location just look under the theme vacation ideas box. (Here’s a good post with general Priceline Bidding Tips that will help you further understand the Priceline process.)
  • CheapTickets similarly has packages based on theme and destination.
  • For All Packages

    • Pick up the travel section of your local paper as some of the best deals on packages from your local airport will be listed in your local paper with a local travel agent.
  • Try Groupon Getaways. Groupon for travel is new, and I haven’t tried it, but based on what I’ve seen there are some great deals through a partnership with Expedia.
  • Finally, the traditional online travel agencies Orbitz. Expedia. and Travelocity all have good deals, though the sites are easier to navigate if you have a set location and dates.
  • Lastly, don’t forget Wise Bread’s awesome list of Travel Resources .

    Have you ever booked a vacation package? What was your experience?


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    How To Get Dirt Cheap Airline Tickets – Stumble Forward #ramsay

    #how to get cheap airline tickets

    How To Get Dirt Cheap Airline Tickets

    However a lot of times to take these kinds of vacations it requires buying airline tickets in order to get to your destination.  In this article I m going to share what I ve done to score dirt cheap airline tickets.

    Start Looking Ahead Of Time

    The first thing I always do is look ahead of time.  In fact you can start looking for really cheap airline tickets 330 days ahead of time.  Now I know what your thinking, I m not going to buy my airline tickets that early,  and I m not telling you to.

    What I like to do is once I roughly know the time I m going to take the trip is look up the current going rates for the tickets and make a mental note of the price.  Then every couple of days I will keep checking the price.  What this does for me is it allows me to know what is a dirt cheap airline ticket and what s not.

    I once flew to Los Angles from Ohio and it was going to run around $280 round trip but I knew if I could get the tickets for anything less than that it would be a deal and I ended up finding some for around $240 because  I would relentlessly check ticket prices .  That s what knowing your ticket value can help you do.

    The Day You Fly

    The next thing you need to look at is the day you will fly out.  This can make a big difference in the cost you will pay for a ticket.  In fact the two cheapest days to fly out are Tuesday and Wednesday typically.

    To prove my point I was recently helping a close relative find an airline ticket who was flying from Ohio to North Carolina.  The cost for her to fly on the weekend was around $205, the cost for her to fly on a Tuesday was $150.  So in this case it s obvious that it would be better wait a few more days to save $55.

    The Time Of The Year

    Third, as important as the day is concerned the time of the year you leave is  also very important.  However this a lot of times also depends on the destination.

    For example, if wanted to take a trip to a place in the Caribbean and you were leaving in February you would likely pay more for your ticket.  On the other hand if you left in September during the peak of hurricane season you would likely get some great dirt cheap tickets.

    Stand By

    The next option you should consider is stand by.  This is an option that airlines will offer when you re traveling because their flight may be overbooked or to heavy.  Airlines will then usually ask people if they would like to fly stand by and a lot of times offer a free ticket option which will allow you to fly anywhere in the continental United State.

    However a lot of times these tickets are only good for one year and may have some restriction like stand by only.  To get these deals ahead of time contact the airline you are flying on ask if their is any stand by option available.

    Get Rewards

    Finally the last option is to get an airline miles reward credit card, like the Capital One Venture Rewards credit card.  These cards work great if you want to cut down on ticket prices and fly for really cheap.

    With the Venture card you will get double miles on every purchase you make every day.  They will give you 10,000 bonus miles when you spend a thousand buck in the first three months, and best of all you can fly free with no blackout dates anywhere you want to go. That sounds like a great deal.

    In fact a few people I know will actually charge as many of their monthly expenses they can to this credit card to build up enough miles to fly literally for free every time they go some place.

    Share Your Story

    Getting a dirt cheap airline ticket can be an easy thing to do if you follow the great tips I ve laid out for you here.  In fact, you can save even more if you combine all of these tips and get them cheaper yet.

    If you have used a tip I gave in this article or would like to share your own feel free to leave a comment and share what you know.

    This post was recently featured on the carnival of personal finance by Funny About Money .


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    How Long Does it Take to Become a Travel Agent? #travel

    #becoming a travel agent

    How Long Does it Take to Become a Travel Agent?


    Vangelis Thomaidis

    As the industry continues to consolidate and more people turn to the Internet to make their own travel arrangements, the need for education for travel agents becomes more urgent. According to the U.S. Bureau of Labor Statistics, most travel agent jobs do not require more than a high school education, but travel agencies are increasingly seeking a college degree in addition to business and travel experience.

    Trade Schools

    A certificate from a travel trade school such as the Travel Academy can be earned in about eight to 16 weeks, depending on the number of hours a student devotes to classes. Intense training through trade schools focuses on the hands-on skills needed to work in the field. A curriculum that prepares a travel agent to work in an agency includes instruction on airport codes and airport gate procedures, cruise line operations, geography, tour companies, and how to use various computer reservations systems.


    While a degree from a trade school can help a travel agent land an entry-level position, a college degree can provide travel agents with a leg up on the competition for the more favorable jobs. Bachelor’s degrees that travel agencies consider appropriate include business, marketing, communications or hospitality. Other degrees that could open the door to travel industry options include business administration, accounting, human resources and management.

    Additional Skills

    Many travel agencies place importance on the ability to speak several languages. Travel agents who learn French or Spanish can find additional opportunities. Travel agents, both new and experienced, can start their own business by simply paying a fee to a number of large travel agencies that use independent agents. Contract agents can start immediately by using the large reservation capabilities of these companies.


    Experience counts in the travel industry. Most established travel agencies require new agents to have two to five years experience. This experience can be gained from working directly for a travel provider such as a cruise line or airline, in support positions at large travel companies, and in hotels and car rental companies.


    Time spent in professional development courses and training can add further credentials to help agents land a position. The National Business Travel Association offers a program for agents to earn a Certified Corporate Travel Executive designation in fewer than 30 days of classes. A two-day workshop is required to receive the Corporate Travel Expert certification,and a Global Leadership Professional designation can be earned in two years, ideal for working professionals looking for management opportunities.

    References :

    The Travel Academy


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    How Airline E-Tickets Work #book #airline #flights

    #àirline tickets

    Introduction to How Airline E-tickets Work

    Travelers rush through the airport.

    В© iStockphoto

    The sight of flustered air travelers digging madly through their belongings for an elusive ticket has become rare at airports in recent years. That’s because more people are relying on electronic tickets, or e-tickets, when they fly.

    An e-ticket carries the same information as a paper ticket. The major difference is an e-ticket is located in an airline’s computer database, instead of the passenger’s suitcase. It is an electronic record of the traveler’s airline reservation, containing information such as the time, date and place of the flight, airport, seat assignment and travel class. At the gate, e-ticket passengers need only show a valid photo identification card such as a driver’s license to claim their spot on the aircraft. Once the airline confirms the traveler’s information, it issues a boarding pass that the traveler uses to board the plane.

    Traditional travel companies, such as airlines or travel agencies, can assist travelers with obtaining e-tickets. But improving Internet technology also allows passengers to book their flights on their own. In fact, the passenger who uses this self-serve option may not even come into contact with the airline until arriving at the airport and presenting his ID.

    To issue e-tickets, airlines must have a database that is integrated with an airline’s passenger service system. That is then connected to all other partners — airlines, airports, ground transportation and travel agencies, for instance — to share real time information.

    To book themselves on a flight, travelers can visit any number of Web-based ticketing sites. Once there, they can view the options available and use a credit or debit card to pay for their ticket. After placing the order, the electronic record of the ticket goes into the airline’s database, where it holds the passenger’s spot.

    E-tickets have virtually replaced traditional paper tickets in the majority of airports and airlines around the world. A recent survey by the International Air Transport Association, a trade organization representing 94 percent of international air traffic, estimated that air carriers worldwide would achieve 92 percent e-ticket penetration by December 2007. In the United States, the survey estimates a 97 percent penetration. The association’s goal is to have 100 percent e-ticketing used by all air carriers worldwide by May 2008, though analysts say some airlines will continue issuing a very small percentage of paper tickets.


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    How Much Do Around the World Tickets Cost? #flight #reservations

    #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


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    How I Flew Around the World in Business Class for $1,

    #round the world travel

    How I Flew Around the World in Business Class for $1,340

    What’s This?

    By Alissa Haupt 2013-10-15 19:28:44 UTC

    I recently booked a round-trip set of flights from Minneapolis to Shanghai in business class.

    I needed to head back to China to resume teaching English after the end of the photo season in Minneapolis, where I was shooting portraits and wedding photos. I had one week free with which to travel between the two cities, so I planned the craziest round-the-world hop.

    I booked the set of flights using US Airways miles. My route, from Minneapolis – Chicago – Frankfurt – Istanbul – Bangkok – Seoul – Shanghai – Zurich – Munich – Chicago – Minneapolis, included my way home for Christmas during my three-week break.

    Here is what my flight path to Shanghai looked like:

    The cost of the trip was 90,000 US Airways miles.

    In June, I opened my US Airways Master Card, which gave me 30,000 miles after my first purchase. In August, US Airways had a sale of frequent flier miles: buy up to 50,000 miles and get the same amount for free. As it costs 90,000 miles to travel between North America and North Asia in business class, I purchased 30,000 US Airways miles for $1,200 and got the final 30,000 miles for “free.”

    US Airways is a part of Star Alliance, so with those miles I was able to book travel on any of the company’s airline partners. (In fact, despite booking with US Airways, none of my flights were on that carrier.) US Airways is unique as its awards are booked without a computer to tell the booking agent whether or not the reward flight travels over too many miles or segments.

    For example, US Airways reward tickets are supposed to have eight flight segments or less. I was able to book my 10-segment reward after talking to a few different booking agents. US Airways also is unique because it allows you to have an unlimited number of layovers that are 24 hours or less, and one stopover — of any time length — in a city in the same region of your destination. My region was North Asia, so I used my free stopover in Seoul.

    To get my 24-hour stopovers, I simply had to search the reward availabilities on Star Alliance partners. I used to search for reward availability, segment by segment, starting with the hardest first. I made a spreadsheet and a Google map to note available flights and piece them together like a jigsaw puzzle.

    Eventually, I ended up with this itinerary:

    Minneapolis to Chicago on United (15-hour layover in Chicago)

    Chicago to Frankfurt on Lufthansa (24-hour layover in Frankfurt)

    Frankfurt to Istanbul on Lufthansa (8-hour layover in Istanbul)

    Shanghai to Zurich on Swiss (24-hour layover in Zurich)

    Zurich to Munich on Swiss (24-hour layover in Munich)

    Munich to Chicago on Lufthansa (12-hour layover in Chicago)

    Chicago to Minneapolis on United (Home for two weeks over Christmas)

    My final itinerary looked like this:

    In my spreadsheet, I made a note of every flight number, airline and departure time. I called US Airways to book the award and fed the agent each flight segment. I was able to put the flights on hold for three days.

    Once I was certain I wanted to travel on these dates, I called back to book the reward. I had to hang up and call again several times before I found a booking agent who was able to book the tickets for me. The final ticket cost 90,000 miles plus $140 in taxes.

    The total cost of the flights was $1,340, including $1,200 to purchase 30,000 miles and $140 in taxes on the award booking. That is a decent price in economy between Minneapolis and Shanghai, and a great price to fly around the world in business class. According to my quick search on Kayak, it would have cost somewhere between $5,000 in cash to fly between Minneapolis and Shanghai business class on my dates, and $19,000 to book the trip around the world.

    The actual flights were incredible. I felt a bit strange, as I didn’t really need the experience of flying business class. But it was really fantastic to have flat beds up in the sky and eat gourmet multi-course meals on each flight. I really appreciate that I was able to fly in such mega-luxury.

    More so, it was really wonderful to have the ability to hop around the world for one week. I ate wild-roast sausage in the rain in Frankfurt, attempted to only speak German for 24-hours straight (with mixed success) and fired a BB gun at a balloon over the Sea of Marmara in Istanbul (my first time firing any gun, ever). I partied the whole night long with hostel-mates in Bangkok, then had a Thai massage (hangover cure?). I ate Bi Bim Bap in Seoul, and toured tunnels dug by North Koreans under the Demilitarized Zone.

    Needless to say, I am really looking forward to the second half of this award when I’ll experience Switzerland for the first time and see the Christmas markets in Munich.

    Most of my knowledge I gleaned on how to book this reward ticket came from the travel blog Milevalue. It’s a travel blog run by a 26-year-old guy who writes easy-to-read blog posts on how to find and book overly complicated reward flights.

    Travel for me is about freedom — the freedom to be and explore new places, to meet new people and share ideas. Traveling doesn’t need to be as expensive or unattainable as it appears. You just have put in a little leg work.

    Have something to add to this story? Share it in the comments.

    Image: Alissa Haupt


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    How To Get The Cheapest Flights Ever #travel #extras

    #the cheapest flights

    Get The Cheapest Flights Ever With These Five Tricks

    Finding the cheapest flight ever is the internet s Holy Grail. We know they re out there, but finding low fares seems to be a combination of voodoo, luck, and circumstance.

    However, it is possible to get the cheapest flights ones top flight finders like Expedia and Hotwire won t show you. And if you plan ahead and employ some high-level bargain ninja tactics, you will find the cheapest flights ever.

    First Trick: The Cheapest Flights Really Do Depend On Timing

    The first thing any seasoned business traveler will tell you about finding the best fares is an oft-repeated bit of travel lore that happens to ring true. But after midnight on a Tuesday.

    So why is this particular bit of advice so common when booking a trip? Because it works!

    While many of the whys and hows of scoring cheap flights is indeed a mystery, we do know that airlines tend to follow certain patterns and that after midnight on Tuesday, it is on for a bargainista.

    Travel expert Peter Greenberg explains :

    some, but not all, of the majors will match that fare. By late Monday, depending on how that new fare is doing in the marketplace, Airline C might jump into the battle and offer an even lower fare, so look for all the other airlines to rush to match that one – usually by Tuesday – and the war is on. Prices might go even lower on Wednesday. And that s when you strike.

    Second Trick: Browse Incognito For Stealth Fares

    So, you ve been around the internet a bit. You Facebook all day, you shop, you check your mail and it s here we get a bit more insight into how to hack a cheap flight.

    Just like when you shop for sneakers or cars, algorithms are watching. And airlines will know when you might be willing to pay a bit more for that flight.

    Yes, the airfares you see are based on lots of factors. And if you want to see the cheapest fares and have already been shopping around, you have to trick those tricksters back.

    Google s Chrome browser is highly regarded as a top choice for general internet use and one easy to use feature is key in getting the cheapest flights available. If you right-click any link, the option to Open Link In An Incognito Window will be the second choice on the drop-down menu.

    By shopping for flights incognito. you ensure your previous window-shopping doesn t hide the cheapest fares.

    Third Trick: Skip The Big Sites For Really Cheap Fares

    Everything good on the internet, even the cheapest flights, is discovered first by geeks.

    Expedia, Hotwire, Priceline and their brethren are great starting points for finding flights. But if you want a really nerdy approach to getting the lowest fares, a new travel search engine uses math to show you your best options.

    H ipmunk is a newer flight search matrix co-founded in part by Reddit co-founder Steve Huffman. And if you re flexible about dates, get ready for the best flight pricing visual available on the web.

    Hipmunk doesn t open up twenty windows and clog up your screen. The adorable site mascot appears during a quick search, after you enter your travel parameters (one-way, round-trip, or pricegraph ) and then the flight shopping fun begins.

    Fourth Trick: Flexibility Plus Search Skills Equals The Absolute Cheapest Flight

    If you ve got to be in Denver at 7 PM on August 5, this cheap fare trick won t help. But most people have a little wiggle room for travel planning, and when you know how to use flexibility to its utmost, cheap flights abound.

    As we mentioned, Hipmunk is a great tool for flight searching. It even sorts flights by agony, so if you want to pay a little (a little, don t go crazy) more for no layovers or shorter flights, that s all worked into the sorting style for your fares. Super cool.

    We also briefly touched on the pricegraph function that makes Hipmunk so useful.

    Instead of keeping track of all the cheapest flights per search, Hipmunk puts them on a 90-day visual graph, so you can select the absolute cheapest fare available.

    The graphing element of flight search is unbelievably useful to find the cheapest flights, enabling you to see the peaks and ebbs of airfare pricing in a three month window.

    But wait! There s more!

    Need to travel outside the 90-day box? There s a trick to see flights over a longer period, but it s a manual workaround. In the address bar, the dates you ve selected are part of the address. Alter them to add more days to either end, and you will see a larger graph.

    Fifth Trick: Stay An Extra Day

    Flying at low-peak or low-demand times will shave even more dollars off your fare. Tuesday through Thursday are the cheapest days to fly, so if you can stretch to a longer stay, you can save beaucoup bucks on your flight.

    Not all tips will work, but combining these strategies will definitely help in your search for the cheapest flight ever.


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    How to Get Last Minute Flight Deals #travel #abroad

    #deals on flights

    How to Get Last Minute Flight Deals

    Use savvy shopping techniques to save money on last-minute travel. (Photo: The image of the plane on a runway mj image by Mykola Velychko from )

    Related Articles

    Items you will need

    • Credit or debit card Phone

    Step 1

    Be flexible with your flight dates. A cheap flight often requires some flexibility on departure date or the willingness to wait on standby at the airport for an open seat. Since reward often comes with a higher level of risk, the savvy last-minute flier must embrace spontaneity.

    Step 2

    Use Internet travel search sites to find flights departing from a range of local airports. Just a bit of flexibility in distance can save you hundreds of dollars per ticket. For instance, rather than conducting a search for flights leaving only from Newark, New Jersey, look up departures from the New York City metro area. You will see prices for Newark, JFK, LaGuardia and other area airports. This technique could save hundreds of dollars, especially for those willing to drive an extra half-hour or so.

    Step 3

    Embrace late nights or early mornings for cheap tickets. The Washington Post states: The cheapest flights also tend to be first thing in the morning or late at night. These flights also have a high number of standby, or absentee, seats.

    Shop last-minute airline ticket discount sites that specialize in a particular region of the world. One site,, offers last-minute, flexible schedule tickets to Hawaii and Europe, and often finds tickets from smaller carriers that larger sites don t list. Kate Siber of writes, Think of it as the budget traveler s way of flying on standby. If you need to be in a certain city at a certain time, Airtech ain t for you.

    Travel alone. It s simple to nab one cheap ticket, but much harder to find four or five. If traveling in a group, coordinate a meeting at the destination and allow a liberal window of time for arrivals.


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