What Can I Do with an Associate – s Degree in

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

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

What is an Associate’s Degree in Elementary Education?

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

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

Important Facts About Teacher Assistants

Median Salary (2014)

Job Outlook (2014-2024)

Communication skills, patience, and resourcefulness

Career and technical education teachers, childcare workers, library assistants

Source: U.S. Bureau of Labor Statistics

Become an Elementary School Aide

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

Earn Further Education in the Field

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

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





13/09/2017

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Traditional IRA vs, can i have both a traditional and roth

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Traditional IRA vs. Roth IRA

Note: The article below refers to the 2017 tax year. You have until the tax filing deadline—April 18, 2018—to make a 2017 contribution. Click here for Roth IRA Eligibility rules, or visit these links for current contribution limits or current income limits.

Comparing Roth and Traditional IRAs

Trying to decide between a Traditional IRA or a Roth IRA?

The type of individual retirement account (IRA) you choose can significantly affect your and your family’s long-term savings. So it’s worth understanding the differences between Traditional IRAs and Roth IRAs in order to select the best one for you.

Here are the key considerations:

Income Limits

Anyone with earned income who is younger than 70½ can contribute to a Traditional IRA. Whether the contribution is tax deductible depends on your income and whether you or your spouse (if you re married) are covered by a retirement plan through your job, such as a 401(k). Click here for details from the IRS.

Roth IRAs don t have age restrictions, but they do have income-eligibility restrictions: Single tax filers, for instance, must have modified adjusted gross incomes of less than $133,000 in 2017 to contribute to a Roth IRA. (Contribution limits are phased out starting with a modified AGI of $118,000, per IRS guidelines.) Married couples filing jointly must have modified AGIs of less than $196,000 in 2017 in order to contribute to a Roth; contribution limits are phased out starting at $186,000.

Tax Incentives

Both Traditional and Roth IRAs provide generous tax breaks. But it’s a matter of timing when you get to claim them. Traditional IRA contributions are tax-deductible on both state and federal tax returns for the year you make the contribution; withdrawals in retirement are taxed at ordinary income tax rates. Roth IRAs provide no tax break for contributions, but earnings and withdrawals are generally tax-free. So with Traditional IRAs, you avoid taxes when you put the money in. With Roth IRAs, you avoid taxes when you take it out in retirement.

Of course, with both types of IRAs, you pay no taxes whatsoever on all of the growth of your contributed funds, as long as they remain in the account.

Withdrawal Rules

One major difference between Traditional IRAs and Roth IRAs is when the savings must be withdrawn. Traditional IRAs require you to start taking required minimum distributions (RMDs), mandatory, taxable withdrawals of a certain percentage of your funds, at age 70½, whether you need the money at that point or not. Roth IRAs, on the other hand, don’t require any withdrawals during the owner’s lifetime. If you have enough other income, you can let your Roth IRAs continue to grow tax-free throughout your lifetime, making them ideal wealth-transfer vehicles.

The same applies to your heirs. Beneficiaries of Roth IRAs don’t owe income tax on withdrawals and can stretch out distributions over many years. However, beneficiaries may still owe estate taxes.

Both Traditional and Roth IRAs allow owners to begin taking penalty-free, “qualified” distributions at age 59½. However, Roth IRAs require that the first contribution be made at least five years before the first withdrawal, in order to avoid incurring a tax payment. If you meet that benchmark (and you only have to meet it once), you will have only paid taxes on what went into the account, not the sum you eventually take out.

Extra Benefits Considerations

It’s also worth factoring in some of the specific rules and benefits of Traditional and Roth IRAs. Here’s a breakdown:

Traditional IRAs:

  • Contributions to Traditional IRAs lower your taxable income in the contribution year. That lowers your adjusted gross income, helping you qualify for other tax incentives you wouldn’t otherwise get, such as the child tax credit or the student loan interest deduction.
  • If you are under 59½, you can withdraw up to $10,000 from your account without the normal 10% early-withdrawal penalty to pay for qualified first-time home-buyer expenses and for qualified higher education expenses. Hardships such as disability and certain levels of unreimbursed medical expenses may also be exempt from the penalty, However, you’ll still pay taxes on the distribution.

Roth IRAs:

  • Roth contributions (but not earnings) can be withdrawn penalty- and tax-free at any time, even before age 59½.
  • If you are under 59½, you can withdraw up to $10,000 of Roth earnings penalty-free to pay for qualified first-time home-buyer expenses, provided at least five tax years have passed since your initial contribution.
  • Roth IRAs can be invested in literally anything you want: index funds, lifecycle funds, individual stocks, or even alternative investments. In contrast, there are some limits to the types of assets a Traditional IRA can hold.

Future Tax Rates

Deciding between a Traditional or Roth IRA depends, basically, on how you think your income – and by extension, your income tax bracket – will compare to your current situation. In effect, you re trying to determine whether the tax rate you pay on your Roth IRA contributions today will be greater or smaller than the rate you ll be paying on distributions from your Traditional IRA after you ve retired (or have to start making them, at age 70½).

Of course, it’s hard to predict what federal and state tax rates will be 10, 20 or 40 years from now. Given today’s historically low federal tax rates and the large U.S. deficit, many economists believe federal income tax rates will rise in the future – meaning Roth IRAs may be the better long-term choice. But of course, no one knows.

Still, you can ask yourself some basic questions about your personal situation: Which federal tax bracket are you in today? Do you expect to be in a higher or lower one after you retire? Will your annual income increase or decrease? Although conventional wisdom suggests that gross income declines in retirement, taxable income sometimes does not. Think about it. You ll be collecting (and owing taxes on) Social Security payments. You might opt to do some consulting or free-lance work, on which you ll have to pay self-employment tax. And once the kids are grown and you stop adding to the retirement nest egg, you lose some valuable tax deductions and tax credits. All this could leave you with higher taxable income, even after you stop working full-time.

Tax Deductions Vs. Tax Credits

A quick primer on tax deductions and tax credits:

A tax deduction is an item the government lets you write off of your taxes to lower your total taxable income. Deductions usually only apply if you itemize them, rather than taking the standard deduction (which comes to $6,350 for single taxpayers and $12,700 for married taxpayers filing jointly in tax year 2017 ). Itemizing deductions is beneficial only if the total amount surpasses the sum for the relevant standard deduction you qualify for. Deductions basically get you a discount on the tax you pay. You don’t take a dollar off of taxes for every dollar spent; instead, every dollar that is deducted from your taxable income lowers the amount of income you will be taxed on. If you are in the 25% tax bracket, for example, every dollar you deduct gets a 25-cent tax break.

In contrast, a tax credit is a direct reduction of the amount of tax you owe. Common credits are issued for spending money on green home improvements or for going back to school. No matter which credits you use, you are slashing your tax bill to the federal government: If you have $2,000 in tax credits, your taxes drop by $2,000. You can take credits whether you take a standard deduction or itemize deductions.

Tax credits are usually more elusive and not as easy to claim as tax deductions – but they are much better, because they always reduce your taxes. If you have the opportunity to take a $5,000 tax credit or a $5,000 tax deduction, the credit is the better deal. Say you have a tax bill of $10,000. The deduction would lower your taxable income by $5,000; so, if you were in the 25% tax bracket, your taxes would be reduced by $1,250 to $8,750. A credit would directly lower the tax due to $5,000, and that s regardless of your bracket.

Comparing Roth and Traditional IRAs

This table lays out the differences between the two types of IRAs. Keep in mind that Congress can change these rules at any time. The regulations may be very different when you retire.





10/09/2017

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Can I get a Psychology Degree Online? #can #you #get #a

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Can I Get a Psychology Degree Online?

Are you eager to learn how the human mind works? Considering a career in counseling, research or social work? If you’re considering earning a psychology degree to pursue those goals, then you’re in luck. Now is the perfect time to earn a degree online without ever setting foot on a college campus. You can earn a bachelor’s or master’s in psychology completely online.

Benefits of Online Classes

Internet-based courses are an increasingly popular way to earn a degree. You can watch video lectures and complete assignments on your own time. If you’re working, caring for a family or find it hard to focus during in-person lectures, online learning is perfect for you. Online courses are growing in popularity even for students who want to take classes for fun. Earning your degree online lets you enjoy the benefits of this new type of technology.

Why Psychology?

The demand for psychologists is expected to grow more than 20 percent by 2020. Employers desperately need trained psychologists to fill open positions, and you can meet this demand by earning your degree online. Psychology is an emotionally and financially rewarding career that requires several years of dedicated study. Get started on your classes today so you can start reaping the benefits of a psychology degree.

Online Psychology Classes

Psychology is one of the best majors for online degrees. In-person psychology courses typically consist of lectures with PowerPoint slides and videos. You don’t need to physically sit in a classroom to learn from those materials. At home, you can watch video clips several times; you don’t have to worry about a professor moving through material too quickly. You will read research articles and write papers as you learn about famous experiments throughout history. Sitting at your computer gives you access to a wealth of information on these experiments. If you don’t understand how your professor or textbook explains something, you can quickly look up more information on the subject.

Career Benefits

Online classes give you scheduling flexibility that brick-and-mortar schools can’t match. You can take advantage of your open schedule and begin volunteering or interning in a psychology position. Consider working one night a week at a crisis center, rehab facility or at a community center. The extra experience on your resume will make you stand out compared to traditional graduates who spent their time fighting for parking spaces on a college campus.

Online classes have come a long way since they first started. Now, you can brush up on a favorite subject or earn an entire degree without leaving your computer. Psychology is the career you ve been waiting for, but you need a bachelor s to be competitive in the field. Whether you have previous college credits or you re starting college for the first time, online degrees are the best way to balance your personal obligations with your career growth. If you re dedicated to starting your new career, you can get your psychology degree online.

Psychology Education





07/09/2017

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Should I Consolidate Credit Card Debt? #how #can #i #consolidate #debt

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Should I Consolidate Credit Card Debt?

If you are struggling to pay off multiple credit cards, consolidating your debt may allow you to reduce your interest rates and lower your monthly payment. However, a lower monthly payment can mean a longer repayment term and more interest paid over the life of the loan. Whether you should consolidate your credit card debt depends on your individual circumstances and the terms of the consolidation.

Read on to learn more about whether credit card debt consolidation is right for you.

(To learn more about managing credit card debt, see out topic on getting out of credit card debt .)

What Is Credit Card Debt Consolidation?

Consolidating your credit card debt essentially means combining all of your debt into a single loan or paying your creditors through a single monthly payment. You can do this by taking out a consolidation loan or using a debt consolidation or management company.

How Does Credit Card Debt Consolidation Work?

When you obtain a debt consolidation loan, you pay off all of your outstanding credit cards with its proceeds. This means that instead of owing money on multiple credit cards, you now have a single obligation. The amount of your monthly payment will depend on the total amount, interest rate, and payment terms of your consolidation loan.

Should I Use a Debt Management Company to Help?

There are thousands of companies that claim they can help you consolidate or manage your credit card debt so that you pay less or reduce your payment.

Typically this is how these companies work: Instead of obtaining a new loan to pay off your credit cards, the debt management company tries to negotiate with the credit card companies to reduce your interest rates or otherwise lower your monthly payments. Each month, you make a single payment to the debt consolidation firm and it distributes a portion of your payment to each of your creditors. Usually, it also keeps a portion (or sometimes all) of your payment to cover its own fees.

While there are some legitimate companies that provide this service for a very low fee, many companies charge huge fees and do little on your behalf.

(You can learn more about debt management and debt negotiation companies in our Debt Settlement Negotiation topic area.)

Is Credit Card Debt Consolidation Right For You?

Below are some of the main factors you should consider when deciding whether consolidating your credit card debt is in your best interest.

Can You Afford to Pay Off Your Credit Cards?

Consolidating your credit card debt does not eliminate it. Even if the consolidation reduces your monthly payment, you still have to pay off all of your debt. So if you don t have regular income or can t afford your monthly payment, consolidating your credit card debt will not help you get back on track.

If you can t afford to pay off your credit cards, consider other alternatives such as debt negotiation (which can reduce the balance on your credit cards) or bankruptcy .

Will Consolidating Your Credit Card Debt Reduce Your Interest Rates?

One of the main benefits of consolidating your credit card debt is getting a reduced interest rate. Reducing your interest rate allows you to lower your monthly payment and pay off your debts sooner. As a result, if you can t lower your interest rates by consolidating your credit card debt, then it is probably not worth the extra cost and fees you will have to incur to do it.

Will It Take Longer to Pay Off Your Debt If You Consolidate?

By consolidating your credit card debt, sometimes you can significantly reduce your monthly payment. However, don t assume that your payment went down solely because of a lower interest rate. If your new monthly obligation is substantially lower, it usually means a longer repayment term.

If your repayment term is extended when you consolidate, it may take you significantly longer to pay off your credit card debt. While it may be nice to have a more manageable monthly payment, it also means paying more interest over the life of the loan. Review the terms of your consolidation carefully before deciding that it is the right choice for you.

Get debt relief now.





03/09/2017

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How to Use an ATM to Deposit Money: 13 Steps (with

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How to Use an ATM to Deposit Money

Verify that the ATM accepts deposits placed in an envelope. Smaller ATMs and those at non-bank locations such as convenience stores or restaurants may not have this function. If it does not have a marked slot for dispensing and/or accepting envelopes, it does not accept envelope deposits.

  • Some modern bank ATMs may only accept non-envelope deposits. See elsewhere in this article for information on making such deposits.
  • Your bank may not permit deposits at ATMs not affiliated with it. Check your financial institution’s policies.

Insert your ATM or debit card and enter your PIN number. This part of the process is exactly the same as when you withdraw cash.

  • Locate the “deposit” tab on the screen or corresponding button indicated by the screen (on older machines). If there is no deposit option, you’re out of luck on this ATM.

Endorse any checks to be deposited. Sign them on the back in the marked area.

  • Add “for deposit only” below your signature for added security. If you lose this endorsed check, it can only be deposited, not cashed.

Prepare a deposit slip. If you are using a slip from your checkbook, your name, address, and account number should already be on the check.

  • If you are using a blank deposit slip, like those available in a bank branch, fill out your name, address, and account number. Add the date to any type of deposit slip.
  • Enter the total amount of cash to be deposited on the marked line, and individually list checks in the provided slots on the front (and, if needed, back) of the slip.
  • Enter the total amount of all checks and cash to be deposited on the provided line.
  • You don’t need to sign a deposit slip when depositing funds into an ATM. A signature is only required when you seek cash back from a deposit made at a teller window.
  • You may want to sign your checks and prepare your deposit slip ahead of time, for convenience and safety. Limiting your time at the ATM is safer and less likely to annoy those in line behind you.

Use the deposit envelope provided by the ATM. Older machines may have a small door that you lift open to reveal deposit envelopes, while newer machines may just spit them out of a slot.

  • Even if you have your deposit organized into an envelope, transfer it to the one provided by the machine.
  • Make sure you insert all your checks, cash, and the deposit slip into the envelope. Seal it securely.
  • Write in any information, such as name, date, and the deposit amount, requested on the outside of the envelope (as indicated by labeled blank lines).
  • The ATM may ask you if you need more time while preparing your deposit. Press the indicated button to give yourself added time to get everything in order.

Insert your completed and sealed envelope and verify your deposit. The slot where you insert the envelope should be clearly marked and may be indicated by flashing lights. It may also be the same slot where you received your deposit envelope.

  • When prompted by the ATM, either before or after making the actual deposit, enter the total amount of your deposit. Write the total amount down on a scrap of paper beforehand if you need a reminder.
  • Take care to be accurate. The bank should be able to correct any discrepancies, but it is quicker and easier to get things right the first time.
  • Confirm that you want a receipt and keep it for your records, at least until you deposits clear.

Wait for your deposits to clear. Deposits of cash or check by envelope are manually counted and entered into your account, so funds will not be available immediately.

  • A common wait time for fund availability from an ATM deposit is the second business day after the deposit. That is, if you deposit the funds on Monday, they will be available Wednesday. But, if you deposit them Sunday (not a business day), it will also be Wednesday. Banks are required to consider ATM deposits made by noon to be made that business day. [1]




19/08/2017

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Can I get Cheap Airline Tickets for My Children? #best #price

#where can i get cheap airline tickets
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Can I get Cheap Airline Tickets for My Children?

Many people who are looking to take a trip with their children, are wondering if they can find cheap airline tickets for them. This is the main reasons most family vacations are taken using a car or RV. This does not have to be the case. Since the travel industry is so competitive these days, many companies are offering really good rates for any flyers, including children.

Before you even consider purchasing a ticket for your kid, you would be well advised to the terms and conditions of each airline carrier regarding the travel of minors. These conditions may vary depending on the airline and could result in your child needing their own seat or just being included with your ticket purchase. Knowledge of these terms could end up saving you a lot of money on your trip. Your best way to find this information is to visit the website of the airline carrier you intend to travel with. There should be a full list of all travel restrictions and policies regarding the travel of your child.

If you have determined you need to purchase a ticket to travel with your child, you certainly will be looking to get a good deal. There are many sites you can visit to get cheap airline tickets. Companies such as Orbitz and Travelocity have been used by thousands of travelers. They may offer you the best rate for your child and you may be best served to search multiple sites to find the one that s giving you the most savings.

If you want to make the process easier on yourself, you may want to check out www.escapewizard.com. This site allows you to search many travel providers with just the simple click of the mouse. The results will be displayed to you in a way that makes comparison easy for you. Once you have found out which one will give you the best offer, you are directed to their site to finalize the details. If you use this site to find cheap airline tickets for your children, you could save yourself a lot of time and money.

There is no reason you need to pay full price for your child to travel. If you know where to look and have all the information you need, you can get cheap airline tickets for anyone that is traveling with you. This means you can feel financially comfortable having all of you loved ones with you on your vacation.

15/08/2017

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

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You need to pay your taxes quarterly if.

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

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

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

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

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

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

So how much do I owe?

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

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

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

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

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

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

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

What if I miss a payment?

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

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

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

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

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

This story has been updated.

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12/08/2017

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Traditional IRA versus Roth IRA #can #i #contribute #to #a #roth

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Traditional IRA versus Roth IRA

Which Is Better – A Traditional IRA or a Roth IRA?

The Roth IRA and the Traditional IRA both have benefits and drawbacks. By going over the pros and cons, I hope to help you get an idea of which retirement wealth building tool is more appropriate for your individual situation and objectives. Nick M. Do / E+ / Getty Images

Updated April 30, 2017

Here s a common question asked by investors everyday. Which is better: a Traditional IRA or a Roth IRA? While both have their advantages and disadvantages, each are fantastic ways to save for your golden years, but in almost all apples-to-apples comparisons, the Roth IRA is going to win. Quite frankly, a Roth IRA is the closest thing to a perfect tax shelter you re probably ever going to find. So much so that almost anyone who qualifies should definitely consider adding a Roth IRA to their investment toolbox .

Nevertheless, it is important that you understand the differences between the two accounts. Over the next five to ten minutes, let s examine both the Traditional IRA and the Roth IRA so you can get a better idea of how each one might fit within your overall portfolio.

Both a Traditional IRA and a Roth IRA Are Types of Accounts, Not Investments

Think of both the Traditional IRA and the Roth IRA as a type of box. Many different assets can go inside of it – stocks. bonds. real estate. mutual funds. index funds. money markets or certificates of deposit – but it s such a good deal, Congress limits the amount of money you can put into that box every year. This is known as a contribution limit. Depending upon which type of IRA you select, the tax consequences will be different.

An Overview of the Traditional IRA

  • Contributions are tax deductible at the time they are made for individuals and families earning less than the income limitations in effect for any given year, which are regularly updated by the IRS. For example, a couple of years ago, I detailed the then-in-effect Traditional IRA income limitations for tax year 2014 to demonstrate how the rules work. However, even if you exceed the Traditional IRA income limits for tax deductibility, you can still take advantage of the tax-deferred compounding (see next point). The contribution limits themselves consist of a base contribution limit and a catch-up contribution limit that people 50 years or older can use, if they like. For example, in 2015, the base contribution limit was $5,500 and the catchup contribution limit was $1,000, so a person who was 52 years old, and otherwise qualified for a Traditional IRA, could contribute $6,500 to his or her account.
  • The years in which your money is sitting in your Traditional IRA, as long as you follow the rules, you shouldn t owe any taxes on any of the investment profits you generate. That means no taxes on capital gains and no taxes on dividends, interest, and rents. Even if you find yourself sitting on millions upon millions of dollars in profits, as long as it is within the protective confines of the account, the Federal, state, and local governments get none of it.
  • You can begin making withdrawals from your Traditional IRA at the age of 59.5 years old without having to pay the early withdrawal penalty. You must begin taking withdrawals, and paying tax upon those withdrawals (all withdrawals are taxed, including past contributed principal since it was tax-deductible at the time the contribution was made), by the age of 70.5 years old so you can t accumulate too much money in the tax shelter.
  • Traditional IRAs and Roth IRAs are extremely useful asset protection tools. Under the present three-year bankruptcy protection limit set on April 1, 2016, which is adjusted every three years, an investor can have up to $1,283,025 in combined balances across both types of IRAs and have it exempted from creditor claims. Married couples can effectively double this amount since both the Traditional IRA and Roth RIA must be owned by an individual (there s no such thing as a jointly owned IRA). This is one of the major reasons it is almost always wise to seek the counsel of a qualified, respected bankruptcy attorney prior to any serious decisions when you are facing financial hardship. The worst thing you can do is draw down your Traditional IRA or Roth IRA balance then declare bankruptcy, anyway, as you ve cost yourself years, perhaps even decades, of rebuilding when you could have emerged from the courthouse with your retirement funds intact.

An Overview of the Roth IRA

  • Contributions to a Roth IRA are not tax deductible at the time they are made. However, unlike a Traditional IRA and subject to certain minimal conditions, if you need to make a withdrawal of your past principal contributions, you can do so tax-free without an early withdrawal penalty, though you won t be able to replace the funds, again, once they ve left the account. There are tax consequences for any investment gains or other funds in excess of the historical contributions into the Roth IRA if taken before the age of 59.5 years old.
  • During the years the money is in the Roth IRA, as long as you follow the rules (e.g. don t use borrowed money that leads to the unrelated business income tax, don t invest in MLPs. etc.), any profits you generate should all be tax-free.
  • There is no mandatory distribution age. If you live to be 105 years old and end up with a $25,000,000 Roth IRA because you discovered the next McDonald s, Home Depot, Microsoft, Apple, or Berkshire Hathaway, you aren t going to have to give a dime of it to Federal, state, and local governments were you to make a withdrawal and begin spending it under the present rules.
  • The same bankruptcy protections that cover the Traditional IRA also cover the Roth IRA (see above).
  • The tax shelter benefits are so extraordinary for a Roth IRA that Congress specifically limits it to individuals and families with adjusted gross incomes of less than certain pre-determined thresholds. These are updated every year. A few years ago, I broke out the then-in-effect 2014 Roth IRA income limit rules. which can serve as a useful template for understanding how the calculations work.

The tax benefits of the Roth IRA are so extraordinary that many Americans who don t qualify because they make too much money engage in a technique called a backdoor Roth IRA that involves funding a Traditional IRA, then converting it to a Roth IRA.

Where Can I Open a Roth IRA or Traditional IRA?

As previously mentioned, a Roth IRA and a Traditional IRA are both types of accounts. not investments. so you can open either with many different types of financial institutions. If you go to a bank or credit union, they might offer either IRA but only allow you to put certificates of deposit into them. If you own either type of IRA with a discount brokerage firm such as Charles Schwab or Scottrade, you can put almost anything that is publicly tradable into it, including exchange traded index funds such as SPDRS or blue chip stocks. Some investors who exclusively use mutual funds for their retirement needs prefer to open a Traditional IRA or Roth IRA directly with a mutual fund family such as Fidelity or Vanguard.

How Much Money Do I Need To Open a Roth IRA or Traditional IRA?

The minimum opening balance for either type of IRA is determined by the financial institution with which you are opening the account. Some require $1,000 to $3,000. A few will allow you to kick in as little as $100 on the condition that you save at least so-much per month for a given period of time to demonstrate you are serious about building wealth .

Can I Have Both a Traditional IRA and a Roth IRA?

Absolutely. Millions of Americans do. You can even add funds to both in the same year provided your total, combined contribution doesn t exceed the contribution limits in effect for the year. For example, in a year where a person who is 37 years old can only contribute a total of $5,500, that person could put $2,000 in a Traditional IRA and $3,500 in a Roth IRA because, combined, they are still at, or under, the $5,500 limit. If you exceed the contribution limits and don t rectify it within a certain window of time, the government will assess confiscatory taxes that will ultimately wipe out the surplus balance.

Can I Have a Roth IRA and/or Traditional IRA Plus a Retirement Account at Work?

Yes. In addition to funding a Roth IRA or Traditional IRA each year, you can also fund a Traditional 401(k). a Roth 401(k), a Solo 401(k). a 403(b). SEP-IRA. SIMPLE IRA. or other qualified plan. These often have other advantages of their own, including unlimited bankruptcy protection on top of the bankruptcy protection offered on the IRAs discussed in this article.





12/08/2017

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How can I get Cheap Airline Tickets? (with pictures) – mobile

#where can i find the cheapest airline tickets
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wiseGEEK: How can I get Cheap Airline Tickets?

Finding cheaper airline tickets today can mean scrutinizing several different online travel services along with the official carrier websites. Some of these websites allow potential customers to flag selected flights whenever deeper discounts become available. Other services such as Priceline may allow customers to bid for lower price tickets, but they can also require immediate purchase of those tickets or a much more flexible schedule. Cheaper tickets can be found through online services, but be prepared for unpopular departure times and long layovers in airline hubs.

Another source for cheap airline tickets is a travel agency. Many times a professional travel agent can negotiate a package deal which lowers the price of the tickets as long as a specific hotel or car rental is booked. This type of discount would most likely be connected to popular tourist destinations such as Orlando or Las Vegas. It might not apply to those traveling to a family reunion in Des Moines, Iowa, but it never hurts to ask the travel agent for any possible package deal.

Some people find cheaper airline tickets by thinking outside their comfort zone. The closest airport does not necessarily offer the lowest fares. If you are willing to drive to a different airport, the savings could be substantial.

The same holds true for the destination city as well. A flight from a regional airport in Huntsville, Alabama to another regional airport in Akron, Ohio might be more expensive than a flight from Birmingham to Cleveland. The reverse may also be true in some cases a regional flight may be cheaper than flying out of a major airport.

While the airlines won’t encourage this tactic, some people find cheaper airline tickets through a practice called ‘overflying’. Overflying works best when the passenger’s real destination is near an airline’s hub city, such as Dallas, St. Louis or Atlanta. Instead of booking a direct flight to one of these hub cities, a savvy passenger can book a less expensive trip with a planned stopover in a hub city. A direct flight to Dallas, for example, might be relatively expensive, but some American Airlines flights with connections in Dallas are often cheaper, since Dallas is a hub for American Airlines. The passenger simply deplanes in Dallas and does not board the connecting flight.

For those who prefer to remain above board, there is also the option of negotiating directly with the airlines for special discounts. Military personnel or students may qualify for substantial discounts, for example. Government employees may also be eligible for discounted airline tickets.

Sometimes a major airline uses discounts to encourage the use of its low-price commuter service. Occasionally airlines compete for business through ‘fare wars’, which may lower the price of some airline tickets by 40% or more. These savings are notoriously temporary, so it pays to book these flights as quickly as possible.

07/08/2017

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

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Prequalification Calculator

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

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

How to use the Prequalification calculator

Enter Your Financial Information

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

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

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

Home Purchase or Refinance: Can You Prequalify?

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

Monthly Housing Expenses

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

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

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

38 Responses to “Prequalification Calculator”

  1. Taylor 22, Sep, 2012

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

Thanks for this tool

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

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

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

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

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

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Put the Mortgage Loan Prequalification Calculator on your website for Free!

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Featured 30 Year Fixed Refinance Rates





06/08/2017

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How Far in Advance Should I Buy My Airline Tickets? #flight

#buy airline tickets
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How Far in Advance Should I Buy My Airline Tickets?

Question by Mark Hastings, San Jose, Calif.

A: When to book flights is a question that torments even the most experienced of travelers. Who hasn’t sat in front of the computer wondering: Do I wait for a better deal, or is this the best I’m going to see?

There are no hard-and-fast rules for hitting the right booking window. A recent report from online travel agency CheapAir found that, historically, the lowest average fares have been available seven weeks before departure. Airlines Reporting Corporation (ARC), which manages airline ticket sales for U.S. travel agencies, conducted a similar study and located the best airfares six weeks prior to flying. But that window changes dramatically depending on where you are traveling—and when.

Domestic Tickets

“There’s such a thing as booking too early,” says Rick Seaney, CEO and cofounder of online research tool FareCompare. “Airlines don’t really begin managing their domestic flights until about three months in advance—that’s when they start releasing the more affordable seats.” The sweet spot, he says, lies between three months and six weeks in advance. Recent data from Kayak supports this. The airfare aggregator looked at a year’s worth of searches and found that six months before departure, domestic ticket prices were about 20 percent higher than the lowest fares. They started dropping three months out and hit a low three to seven weeks before departure. Whatever you do, don’t wait until the last week, when prices shoot up—by about 25 percent, according to Kayak.

Far-Flung Flights

For long-haul tickets, start your search early. Kayak’s data located the best average fares for Asian flights a full nine to ten months out; they drop again (though not as low) between three and four month in advance. For South American tickets, the ideal booking window was around six months before departure. For African trips, the site found that prices started to fall about three months out. Interestingly, they didn’t bottom out until about five weeks before departure. Of course, these are all average prices. If you’re hoping to catch a fare sale to a farther-flung destination, focus your search between five and two months out, when they usually appear, Seaney says. The best plan for long-haul shopping: search for fares early to get a general sense of prices and sign up for a fare-watching service—Airfarewatchdog, CheapAir, and FareCompare all have good ones. You’ll know to book when the right price comes along.

Summer Trips to Europe

You’ll have to plan in advance to get the best tickets to Europe. When ARC crunched the numbers for travel between Memorial Day and Labor Day last year, it found the lowest average fares to Europe a full 31 weeks before departure. Seaney recommends beginning your search around four to five months out. (That means now.) And don’t get caught in magical thinking: sales on summer airfare to Europe are rare. According to Jeff Klee, CEO and cofounder of CheapAir, they usually occur when there’s an increase in capacity (i.e. new flights or routes). But if you can’t be flexible about your dates or destination, you likely won’t be able to take advantage of these deals. If you do have some flexibility, the booking window decreases and the fares drop for travel in the spring or fall—outside of the school holidays.

Winter Caribbean and Ski Getaways

There’s no use waiting for fare sales here. High demand and limited airlift mean that prices for winter flights to Caribbean islands and smaller ski-country airports usually don’t fluctuate much—and rise dramatically fairly early. Looking at last winter’s economy-class fares from the United States to the Caribbean islands, ARC found the lowest average fares 21 weeks before departure. That jibes with Seaney’s advice to book both Caribbean and ski getaways about four to five months before your trip. The exceptions: flights to Denver, Salt Lake City, and other large airports serving ski destinations. You’ll have extra time to book because the airports have more capacity.

Holiday Travel

The earlier the better, once again. Last year, analysts with CheapAir tracked domestic airfares for more than 11,000 markets for Thanksgiving, Christmas, and New Year’s travel. Notably, for all three holidays average ticket prices hit a low in early June. They fluctuated throughout the rest of the summer and early fall, but by the end of September they were steadily rising. Not everyone can plan a winter holiday in June, of course. But if you’re considering going from somewhere cold to somewhere warm, Klee advises getting the tickets as soon as possible. A similar principle is at work for spring-break travel. Tickets to Florida and other popular warm-weather destinations start rising early—and tend not to vary. Seaney recommends planning these trips five months in advance. “Airlines are really good at knowing when an airport’s local school districts are on spring break, and will adjust airfares accordingly,” he cautions.

Of course, all of these booking windows are estimates and should be taken as guidelines rather than rule of law. As George Hobica, founder of Airfarewatchdog, says: “If there were an established best time to book, airlines would identify it and hike fares accordingly.” Consider yourself warned.

By the Numbers

$1,284 : Lowest average economy-class airfare to Europe last summer, booked 31 weeks in advance.

$589: Lowest average economy-class airfare to the Caribbean last winter, booked 21 weeks in advance.

Source: Airlines Reporting Corporation (ARC)

05/08/2017

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

#travel to mexico
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Do I need a passport to travel to Mexico?

By Suzanne Barbezat. Mexico Travel Expert

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

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

Continue Reading Below

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

Timeline of passport requirement implementation:

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

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

Continue Reading Below

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

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

29/07/2017

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

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How Start-up Capital Works

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

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

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

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

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





13/07/2017

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

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5 Things You Should NOT Do After a Car Accident

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

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

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

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

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

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

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





12/07/2017

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

#travel and tourism
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What can I do with my degree. Travel and tourism

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

Job options

Jobs directly related to your degree include:

Jobs where your degree would be useful include:

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

Work experience

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

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

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

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

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

Typical employers

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

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

Skills for your CV

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

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

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

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

Further study

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

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

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

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

What do travel and tourism graduates do?

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

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

11/07/2017

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

Featured Verdicts

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

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

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

Jury finds passenger was unbelted at time of crash

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

Driver found not to blame for pedestrian’s alleged injuries

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

Largest California Jury Verdicts





07/07/2017

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

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Is legal expenses cover worth the cost?

Save money on your car insurance

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

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

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

What is legal expenses cover?

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

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

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

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

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

How much does legal expenses cover cost?

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

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

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

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

What are the advantages of taking out legal expenses cover?

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

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

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

What are the disadvantages of taking out legal expenses cover?

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

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

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

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

Do I need legal expenses cover?

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

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

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

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02/07/2017

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How Far in Advance Should I Buy My Airline Tickets? #travel

#buy airline tickets
#

How Far in Advance Should I Buy My Airline Tickets?

Question by Mark Hastings, San Jose, Calif.

A: When to book flights is a question that torments even the most experienced of travelers. Who hasn’t sat in front of the computer wondering: Do I wait for a better deal, or is this the best I’m going to see?

There are no hard-and-fast rules for hitting the right booking window. A recent report from online travel agency CheapAir found that, historically, the lowest average fares have been available seven weeks before departure. Airlines Reporting Corporation (ARC), which manages airline ticket sales for U.S. travel agencies, conducted a similar study and located the best airfares six weeks prior to flying. But that window changes dramatically depending on where you are traveling—and when.

Domestic Tickets

“There’s such a thing as booking too early,” says Rick Seaney, CEO and cofounder of online research tool FareCompare. “Airlines don’t really begin managing their domestic flights until about three months in advance—that’s when they start releasing the more affordable seats.” The sweet spot, he says, lies between three months and six weeks in advance. Recent data from Kayak supports this. The airfare aggregator looked at a year’s worth of searches and found that six months before departure, domestic ticket prices were about 20 percent higher than the lowest fares. They started dropping three months out and hit a low three to seven weeks before departure. Whatever you do, don’t wait until the last week, when prices shoot up—by about 25 percent, according to Kayak.

Far-Flung Flights

For long-haul tickets, start your search early. Kayak’s data located the best average fares for Asian flights a full nine to ten months out; they drop again (though not as low) between three and four month in advance. For South American tickets, the ideal booking window was around six months before departure. For African trips, the site found that prices started to fall about three months out. Interestingly, they didn’t bottom out until about five weeks before departure. Of course, these are all average prices. If you’re hoping to catch a fare sale to a farther-flung destination, focus your search between five and two months out, when they usually appear, Seaney says. The best plan for long-haul shopping: search for fares early to get a general sense of prices and sign up for a fare-watching service—Airfarewatchdog, CheapAir, and FareCompare all have good ones. You’ll know to book when the right price comes along.

Summer Trips to Europe

You’ll have to plan in advance to get the best tickets to Europe. When ARC crunched the numbers for travel between Memorial Day and Labor Day last year, it found the lowest average fares to Europe a full 31 weeks before departure. Seaney recommends beginning your search around four to five months out. (That means now.) And don’t get caught in magical thinking: sales on summer airfare to Europe are rare. According to Jeff Klee, CEO and cofounder of CheapAir, they usually occur when there’s an increase in capacity (i.e. new flights or routes). But if you can’t be flexible about your dates or destination, you likely won’t be able to take advantage of these deals. If you do have some flexibility, the booking window decreases and the fares drop for travel in the spring or fall—outside of the school holidays.

Winter Caribbean and Ski Getaways

There’s no use waiting for fare sales here. High demand and limited airlift mean that prices for winter flights to Caribbean islands and smaller ski-country airports usually don’t fluctuate much—and rise dramatically fairly early. Looking at last winter’s economy-class fares from the United States to the Caribbean islands, ARC found the lowest average fares 21 weeks before departure. That jibes with Seaney’s advice to book both Caribbean and ski getaways about four to five months before your trip. The exceptions: flights to Denver, Salt Lake City, and other large airports serving ski destinations. You’ll have extra time to book because the airports have more capacity.

Holiday Travel

The earlier the better, once again. Last year, analysts with CheapAir tracked domestic airfares for more than 11,000 markets for Thanksgiving, Christmas, and New Year’s travel. Notably, for all three holidays average ticket prices hit a low in early June. They fluctuated throughout the rest of the summer and early fall, but by the end of September they were steadily rising. Not everyone can plan a winter holiday in June, of course. But if you’re considering going from somewhere cold to somewhere warm, Klee advises getting the tickets as soon as possible. A similar principle is at work for spring-break travel. Tickets to Florida and other popular warm-weather destinations start rising early—and tend not to vary. Seaney recommends planning these trips five months in advance. “Airlines are really good at knowing when an airport’s local school districts are on spring break, and will adjust airfares accordingly,” he cautions.

Of course, all of these booking windows are estimates and should be taken as guidelines rather than rule of law. As George Hobica, founder of Airfarewatchdog, says: “If there were an established best time to book, airlines would identify it and hike fares accordingly.” Consider yourself warned.

By the Numbers

$1,284 : Lowest average economy-class airfare to Europe last summer, booked 31 weeks in advance.

$589: Lowest average economy-class airfare to the Caribbean last winter, booked 21 weeks in advance.

Source: Airlines Reporting Corporation (ARC)

16/06/2017

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How soon can I travel after birth? Post-birth Recovery #european #travel

#travel soon
#

How Soon Can I Travel After Birth?

Postbirth Recovery

When am I going to be well enough to travel after giving birth?

If you’re itching to visit far-flung friends and relatives with your new baby. or if being housebound as a new mom is making you want to get out of town, like now. there’s no hard-and-fast rule about when you’re allowed to fly. How soon you travel after giving birth is really up to how you’re feeling. Some new moms feel almost like their old selves within a few days (it’s okay to hate them), while others are still having aches and pains for a while afterward. If you get a c-section, you’ll likely be in the longer-recovery category.

You should check with your OB to make sure it’s okay to travel if you’ve had any complications, but it’s even more important that you get the go-ahead from baby’s pediatrician. That’s because baby’s immune system is still developing, and there’s a high risk of him catching something harmful in those early months.

Keep in mind, if you do hop a flight soon after delivery, that there’s a high risk for blood clots that’s associated with pregnancy — and it persists for six to eight weeks postpartum. So take extra care to drink lots of water and to get up and walk around often during a long flight. Wearing special support hose to promote circulation can also help.

Plus, more from The Bump:

By Laura Riley, MD, ob-gyn, Director of Labor and Delivery at Massachusetts General Hospital and author of You amp; Your Baby: Pregnancy

16/06/2017

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Mother Love Poems – Love Poems for Mother – I Love

#

Mother Love Poems

Mother, the very word brings across an image of a lovely woman in our mind, a woman who believes in selfless love for her children. She expects nothing in return, perhaps except for some love and care on their part. One thing that children often either forget to do or feel too shy to do is – say I love you to their mother. If you are also one of those who find it a little difficult to express your love for your mom directly, make use of ‘love poems for mother’ for the purpose, easily available in magazines, newspapers, Internet, etc. We have also provided a few of ‘mother love poems’ in the lines below, to help you articulate your feelings for your dearest mom.

Love Poems For Mother

A Mothers Love
To some love is just a word
To me it’s a feeling A feeling
I get everytime I look into your eyes
A feeling I get when I realize you’re my mom
A mom who loves, shares, A mom who inspires
Unconditionally
What’s that?
That’s love
A mothers love, but only you would know
And me
You returned that love time and time again
Possibly to much, nevertheless you did
Thank-you
Thank-you for being there when I needed you most
For being my rock when I should have been yours
Thank-you for believing in me, even when I doubted myself
For being the one person I could trust
No matter what, no matter where
But most of all thank-you for being you-my mom
A mom I am so proud to claim
I love you
Now and forever
– Anonymous

I Love You Mother
You are so special and kind
And I love you so
You helped to build my mind
And I want you to know.
The thought of you by me
Just makes me smile.
We are so close
Forever and not just a while.
I appreciate you mother
And I love all your style.
– Anonymous

What is a Mother?
A mother is someone to shelter and guide us,
To love us, whatever we do,
With a warm understanding and infinite patience,
And wonderful gentleness, too.
How often a mother means swift reassurance
In soothing our small, childish fears,
How tenderly mothers watch over their children
And treasure them all through the years!
The heart of a mother is full of forgiveness
For any mistake, big or small,
And generous always in helping her family
Whose needs she has placed above all.
A mother can utter a word of compassion
And make all our cares fall away,
She can brighten a home with the sound of her laughter
And make life delightful and gay.
A mother possesses incredible wisdom
And wonderful insight and skill –
In each human heart is that one special corner
Which only a mother can fill!
– Katherine Nelson Davis

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13/06/2017

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How I – Hacked – Kayak and Booked a Cheaper Flight

#where to get cheap airline tickets
#

​How I Hacked Kayak and Booked a Cheaper Flight

Let me start this out by saying I didn’t hack something in the black hat Hackers way, but by finding a market inefficiency and leveraging it to my advantage. It must be the day trader in me. No harm was done to any computers or systems in the making of this post.

TL;DR: I booked a flight through Kayak using a VPN and saved

$100.

Long version: I was looking for flights to New Orleans when I realized that the flight price I checked yesterday was

$100 cheaper. I started to think why the price went up so much in one day and tried checking the flight again using only Google Incognito but there was no price budge. Maybe my VPN had something to do with it? The night before I was using a VPN (I use BTGuard btw) and Kayak thought I was from Toronto, Canada. I guess if you are not from the departure city then flights are cheaper?

So what did I do?

So I had originally went to Kayak today and checked flights from Miami to New Orleans (Mardi Gras, w00t!). This was done without a VPN but using Google’s Incognito feature. Take a look at how much the flights were:

29/05/2017

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

#online travel agency
#

8 Answers

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

But if you insist:

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

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

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

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

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

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

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

5) Find an accounting package

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

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

8) Get a limited company

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

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

20/05/2017

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Can I get Cheap Airline Tickets for My Children? #travel #agents

#where can i get cheap airline tickets
#

Can I get Cheap Airline Tickets for My Children?

Many people who are looking to take a trip with their children, are wondering if they can find cheap airline tickets for them. This is the main reasons most family vacations are taken using a car or RV. This does not have to be the case. Since the travel industry is so competitive these days, many companies are offering really good rates for any flyers, including children.

Before you even consider purchasing a ticket for your kid, you would be well advised to the terms and conditions of each airline carrier regarding the travel of minors. These conditions may vary depending on the airline and could result in your child needing their own seat or just being included with your ticket purchase. Knowledge of these terms could end up saving you a lot of money on your trip. Your best way to find this information is to visit the website of the airline carrier you intend to travel with. There should be a full list of all travel restrictions and policies regarding the travel of your child.

If you have determined you need to purchase a ticket to travel with your child, you certainly will be looking to get a good deal. There are many sites you can visit to get cheap airline tickets. Companies such as Orbitz and Travelocity have been used by thousands of travelers. They may offer you the best rate for your child and you may be best served to search multiple sites to find the one that s giving you the most savings.

If you want to make the process easier on yourself, you may want to check out www.escapewizard.com. This site allows you to search many travel providers with just the simple click of the mouse. The results will be displayed to you in a way that makes comparison easy for you. Once you have found out which one will give you the best offer, you are directed to their site to finalize the details. If you use this site to find cheap airline tickets for your children, you could save yourself a lot of time and money.

There is no reason you need to pay full price for your child to travel. If you know where to look and have all the information you need, you can get cheap airline tickets for anyone that is traveling with you. This means you can feel financially comfortable having all of you loved ones with you on your vacation.

19/05/2017

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No1 Travel. Across No. 1 TRAVEL Г— H. I. S #book

#no1 travel
#

no1-travel.com – No1 Travel Visit site

Title: Across No.1 TRAVEL Г— H.I.S / H.I.S. travel agency – served for a foreign community in Japan for over 30 years

Description: H.I.S Across No.1 TRAVEL / H.I.S. travel agency – served for a foreign community in Japan for over 30 years, dealing with international discounted airline tickets from Japan, accomodations, and variety of travel necessities. From Business to.

Whois

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  • 14/05/2017

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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 United.com 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

    12/05/2017

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    H. I. S. About H. I. S. Group #find #hotel #deals

    #his travel
    #

    Overseas Group Companies

    H.I.S. currently has 192retail outlets in 129 overseas cities. Our highly experienced and knowledgeable local staff will respond to your demands promptly, giving you peace of mind so that you can thoroughly enjoy your travels. This worldwide network allows us to acquire the latest travel information from all over the globe enabling the smooth arrangement of airline and all other types of tickets, and hotel reservations. The original tours planned by each of our retail outlets are also highly regarded. We endeavor to further enhance this international network to enable you have the best time possible regardless of the destination.

    Pacific

    * Micronesia H.I.S. GUAM, INC. H.I.S. SAIPAN, INC * Hawaii HAWAII H.I.S. CORPORATION

    Asia

    * India H.I.S. Travel (India) Private Limited. * Indonesia PT. HARUM INDAH SARI TOURS & TRAVEL * Korea H.I.S. INTERNATIONAL TOURS KOREA INC. H.I.S. KOREA CO.,LTD. * Cambodia H.I.S.(Cambodia)Travel Co.,Ltd. * Singapore H.I.S. INTERNATIONAL MANAGEMENT PTE. LTD. H.I.S. INTERNATIONAL TRAVEL PTE LTD. * Sri Lanka H.I.S. TRAVEL LANKA(PRIVATE)LIMITED

    * Thailand H.I.S. TOURS CO.,LTD. * Taiwan H.I.S. TAIWAN COMPANY LIMITED * China H.I.S.(HAINAN)INTERNATIONAL TRAVEL SERVICE CP.,LTD H.I.S.(SHANGHAI)INTERNATIONAL TRAVEL SERVICE CP.,LTD

    * Bangladesh H.I.S. TRAVEL LIMITED * Philippine H.I.S.(PHILIPPINES)TRAVEL CORP.

    * Vietnam H.I.S.-SONGHAN VIETNAM TOURIST JOINT VENTURE COMPANY LTD. * Hong Kong H.I.S. (HONG KONG) COMPANY LIMITED H.I.S. (China) Holding Co,Limited * Macau H.I.S.(MACAU)TRAVEL COMPANY LIMITED * Malaysia H.I.S. TRAVEL (MALAYSIA) SDN BHD. H.I.S. MANAGEMENT SERVICES SDN BHD * Maldives Japan H.I.S. Tours Pvt Ltd * Mongol HIS MONGOLIA LLC * MYANMAR H.I.S. MYANMAR TRAVELS COMPANY LIMITED * LAOS H.I.S. LAO CO.,LTD * NEPAL H.I.S. NEPAL TRAVELS PVT.LTD

    North America Caribbean

    * U.S.A. H.I.S. U.S.A. INC. H.I.S. INTERNATIONAL TOURS (NY) INC. * Canada H.I.S. CANADA INC. * Brazil H.I.S. BRASIL TURISMO LTDA.

    * Mexico H.I.S. Giras International Mexico S.A. de C.V

    Europe

    * U.K. H.I.S. EUROPE LIMITED * Italy H.I.S. EUROPE ITALY S.R.L. * Austria H.I.S. (Austria) Travel GmbH * Nederland H.I.S. Travel Nederland B.V.

    * United Arab Emirates H.I.S. Travel(U.A.E.)L.C.C. * Egypt H.I.S. TRAVEL EGYPT * Turkey H.I.S. Uluslararasi Turizm Seyahat Acentasi Limited Sirketi * Kenya H.I.S. KENYA LIMITED * South Africa HIS TRAVEL(Pty)LTD * Maroc Hidé International Services(H.I.S. Maroc) SARL

    21/04/2017

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    How I – Hacked – Kayak and Booked a Cheaper Flight

    #where to get cheap airline tickets
    #

    ​How I Hacked Kayak and Booked a Cheaper Flight

    Let me start this out by saying I didn’t hack something in the black hat Hackers way, but by finding a market inefficiency and leveraging it to my advantage. It must be the day trader in me. No harm was done to any computers or systems in the making of this post.

    TL;DR: I booked a flight through Kayak using a VPN and saved

    $100.

    Long version: I was looking for flights to New Orleans when I realized that the flight price I checked yesterday was

    $100 cheaper. I started to think why the price went up so much in one day and tried checking the flight again using only Google Incognito but there was no price budge. Maybe my VPN had something to do with it? The night before I was using a VPN (I use BTGuard btw) and Kayak thought I was from Toronto, Canada. I guess if you are not from the departure city then flights are cheaper?

    So what did I do?

    So I had originally went to Kayak today and checked flights from Miami to New Orleans (Mardi Gras, w00t!). This was done without a VPN but using Google’s Incognito feature. Take a look at how much the flights were:

    21/04/2017

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

    #online travel agency
    #

    8 Answers

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

    But if you insist:

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

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

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

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

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

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

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

    5) Find an accounting package

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

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

    8) Get a limited company

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

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

    10/04/2017

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    When Can I Buy Travel Insurance? #book #a #cheap #flight

    #buy travel insurance
    #

    When to Buy Travel Insurance

    One of the most important concepts to understand, when you’re thinking about whether or not you need to insure your travel plans, is how soon you need to buy your insurance policy after you begin planning your trip. Knowing the best time to buy can help you get access to the greatest number of options and the most complete coverage for your needs.

    Best time to buy travel insurance

    So having said that, when is the best time to buy insurance? With Pre-Existing Conditions Waivers or Cancel for Any Reason (CFAR) coverage, it’s easier, since you know that it has to be done in short order. With a Single-Trip Medical policy, Evacuation policy or membership, or an Accidental Death plan, these can be done even at the last minute since the benefits they provide will only protect you while you’re traveling. We don’t advocate waiting until the last minute, of course, but there’s no rush with those types of plans.

    One exception is if you need the insurance to obtain a Visa to travel to Europe. If this is why you are purchasing medical insurance, it is never a good idea to wait until the day before your embassy appointment.

    Comprehensive plans are different. Technically speaking you can purchase them up until the day before departure, but even if you don’t need one of the time-sensitive benefits to be included in your policy it’s still best to purchase coverage as soon as possible. Remember that only unforeseen events can be covered for cancellation, so it’s going to be too late if you become sick or injured, or a family emergency arises before you can buy the insurance.

    WHEN TO PURCHASE COVERAGE FOR CANADIAN CUSTOMERS

    TIC, Travel Guard and RSA offer All-Inclusive packages that cover for medical emergency and evacuation as well as cancellation, delay, and baggage. They also offer Cancellation-Only plans. They will cover for a specified period of time, which must begin on the day you leave Canada and cover you until you return. What this means is once you have left Canada, you cannot purchase any of these policies. Also, you cannot just purchase coverage for a portion of the trip, you must fully insure it. If you do not, then the policy would be considered invalid and would not provide the protection you needed it for.

    06/04/2017

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    How soon can I travel after birth? Post-birth Recovery #travel #conditions

    #travel soon
    #

    How Soon Can I Travel After Birth?

    Postbirth Recovery

    When am I going to be well enough to travel after giving birth?

    If you’re itching to visit far-flung friends and relatives with your new baby. or if being housebound as a new mom is making you want to get out of town, like now. there’s no hard-and-fast rule about when you’re allowed to fly. How soon you travel after giving birth is really up to how you’re feeling. Some new moms feel almost like their old selves within a few days (it’s okay to hate them), while others are still having aches and pains for a while afterward. If you get a c-section, you’ll likely be in the longer-recovery category.

    You should check with your OB to make sure it’s okay to travel if you’ve had any complications, but it’s even more important that you get the go-ahead from baby’s pediatrician. That’s because baby’s immune system is still developing, and there’s a high risk of him catching something harmful in those early months.

    Keep in mind, if you do hop a flight soon after delivery, that there’s a high risk for blood clots that’s associated with pregnancy — and it persists for six to eight weeks postpartum. So take extra care to drink lots of water and to get up and walk around often during a long flight. Wearing special support hose to promote circulation can also help.

    Plus, more from The Bump:

    By Laura Riley, MD, ob-gyn, Director of Labor and Delivery at Massachusetts General Hospital and author of You amp; Your Baby: Pregnancy

    24/03/2017

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    Do I Need a Passport to Travel to Mexico? #boston #travel

    #travel to mexico
    #

    Do I need a passport to travel to Mexico?

    By Suzanne Barbezat. Mexico Travel Expert

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

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

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

    Timeline of passport requirement implementation:

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

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

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

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

    09/02/2017

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