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

Cheapest Days to Fly and Best Time to Buy Airline Tickets

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

1. Shop on Tuesday

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

2. Don t Shop too Early or too Late

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

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

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

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

3. Always Compare Airfare

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

What is the cheapest airline

Tip:Set a FareCompare airfare alert and we ll do the work for you! Signing up for alerts only takes a second and the deals come to you. If you see one you like, act fast; the best deals don’t last.

4. Cheapest Days to Fly

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

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

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

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

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

5. Fly the Cheapest Route

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

6. Book Group Travel One Ticket at a Time

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

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

Want More Great Advice?

We keep an eye on airfare sales and frequently post them to Facebook and Twitter. Tips, too. We d love it if you joined us. Happy travels!


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

Cheapest Days to Fly and Best Time to Buy Airline Tickets

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

1. Shop on Tuesday

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

2. Don t Shop too Early or too Late

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

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

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

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

3. Always Compare Airfare

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

What is the cheapest airline

Tip:Set a FareCompare airfare alert and we ll do the work for you! Signing up for alerts only takes a second and the deals come to you. If you see one you like, act fast; the best deals don’t last.

4. Cheapest Days to Fly

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

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

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

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

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

5. Fly the Cheapest Route

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

6. Book Group Travel One Ticket at a Time

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

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

Want More Great Advice?

We keep an eye on airfare sales and frequently post them to Facebook and Twitter. Tips, too. We d love it if you joined us. Happy travels!


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Flights & Airline Tickets – Cheapest Flights, what is the cheapest


When you need flights, we offer last minute airfares, and the best available flight deals for travel on all Canadian and international airlines. Getting you the cheapest flights is our goal.

With, you can travel with the best Canadian airlines such as WestJet, Air Canada, and Porter Airlines without having to invest a fortune in your travelling.

We also offer great airline ticket deals with discount flights on American Airlines, US Airways, Delta Airlines, United Airlines, and other USA-based airlines, as well as wholesale discount airfares on flights with international airlines such as Air France, KLM Royal Dutch Airlines, Alitalia, Cathay Pacific, Qantas Airways, Lufthansa, and many many more.

And, don’t forget about charter flights with Air Transat and Sunwing Airlines, for low-cost airfares to popular seasonal destinations such as Europe and the Caribbean. checks airfares from multiple sources, including webfares, airline seat sales, charter flights, and special wholesale discount airfares, and provides them to you in a single search, giving you the best selection of flights and cheap flight prices to suit your travel needs.

With our full array of travel services and accommodations, such as car rentals, hotel bookings and cruise reservations, you can have the peace of mind of knowing you will find all your travel needs at one place.

Book your cheap flights today!

What is the cheapest airline What is the cheapest airline is an affiliate of FlightNetwork, where hundreds of thousands of travellers like you have been saving on cheap flights since 1998.

We offer discount airline tickets with a database of over 2 million international airfares, as well as car rentals, hotels, and vacation packages

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Find Cheap Flights – Airline Tickets, what is the cheapest airline.#What

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  • Is It Safe to Travel to Egypt? #cheapest #airline #tickets

    #travel to egypt

    Is it Safe to Travel to Egypt?

    By Anouk Zijlma. Africa Travel Expert

    Anouk Zijlma is an experienced travel agent, travel editor, and international traveler. She’s lived in Malawi and Kenya, and has traveled extensively throughout the continent. Here are some photos of Anouk enjoying herself in Africa.

    Question: Is it Safe to Travel to Egypt?

    Health and safety information for visitors planning to travel to Egypt. Find out if there are current travel warnings for Egypt, basic safety tips and information, health tips, and information for women planning to travel alone to Egypt.

    Answer: In January 2011, Egypt went through a political revolution that seriously affected tourism in the country. By the end of April 2011, the US Department of State had downgraded its travel warning to a travel alert and most of the tourist destinations within Egypt are again considered safe to visit.

    Continue Reading Below

    However, the one year anniversary of the revolution in January 2012, brought a lot of protesters back on the streets, disappointed with the lack of real progress. A tragedy at a soccer match early February (2012) in Port Said added some fuel to the flames, and once again the capital was unstable. By May 2012, more people died in central Cairo after clashing with the police. In November 2012 more clashes involving the government and anti-Muslim Brotherhood (the current President s party) escalated into violent scenes in Cairo and Alexandria .

    In July 2013, the army stepped in and ousted President Mursi. and the US Department of State issued a travel warning warning all its citizens against traveling to Egypt.By late 2014 things certainly seem to have settled down and all US State Travel Warnings and Alerts have been lifted.

    Please check your local government information, and the news, for the latest updates before you plan your trip. And note that the US Department of State does not like to issue any travel alert or warning for Egypt, even if the situation gets quite bad, so use your own good instincts as well.


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

    #best price airline tickets

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

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

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

    The best day to buy cheap airline tickets

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

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

    Safe banking on the go

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

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

    Spot a stolen smartphone

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

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

    Cool features in iOS 7

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

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

    Antivirus on a Mac

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

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


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    Ride the dollar: This is the summer to travel to Europe

    #travel to europe

    Like this topic? You may also like these photo galleries:

    The new two-day Barcelona Card Express includes free metro and bus rides and discounts on popular attractions such as Antoni Gaudi s Basilica de la Sagrada Familia. (Photo: David Ramos, Getty Images)


    BARCELONA—Cathie Golden takes a European vacation each year with her sister Barbara Needham and their children.

    This year they chose Barcelona and Madrid. For the first time in more than a decade, the euro is almost equal in value to the dollar, making Spain and other European cities more affordable to Americans than even some domestic destinations.

    “We’ve been shopping up a storm because of it,” Golden says, showing off a new pair of sneakers. “Here you’re just throwing money around.”

    The family stop into the Hotel Colon in the Gothic Quarter for drinks. They are surprised when two glasses of white wine and a beer cost as much as one drink in a New York City hotel. Their train tickets to Madrid are less than seats on an Amtrak train from New York to Washington, D.C. A 15-minute cab ride to the beach is 10 euros.

    Golden, who lives in the New York area, has good reason to throw money around. TripAdvisor’s TripIndex Europe, released last week, found that travel expenses for popular European destinations have dropped an average of 11% year-over-year. Travelers will be able to save as much as 25% on their summer trips.


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    Why is United Airlines suing a 22-year-old? Dec. 29, 2014 #svr

    #travel cheap flights

    Why is United Airlines suing a 22-year-old?

    22-year-old Aktarer Zaman founded last year.

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

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

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

    This travel strategy only works if you book a one-way flight with no checked bags (they would have landed in Lake Tahoe).

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

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

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

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

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

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

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

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

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

    Zaman said Skiplagged is just a “side project” and declined to discuss the lawsuit.

    Orbitz said in a statement that it is obligated to uphold airline fare rules.

    A United spokesman said, “This practice violates our fare rules and we are taking action to stop it to help protect the vast majority of customers who buy legitimate tickets.”

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

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

    CNNMoney (New York) December 31, 2014: 12:04 PM ET


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    The Ebola Outbreak: Is It Still Safe To Go To Africa?

    #travel to africa

    The Ebola Outbreak: Is It Still Safe To Go To Africa?

    Over the last few weeks there has been extensive and often terrifying coverage of the Ebola outbreak in parts of West Africa, and our thoughts are with all those fighting this dreadful disease.

    Whilst the coverage has highlighted that the disease is not airborne and can only be contracted by contact with body fluids from an infected person, we have had a number of people asking if it is safe to travel to South Africa, Tanzania, Botswana and other destinations in Eastern and Southern Africa.

    The short answer is ‘yes – you can still safely travel to Africa’, however given the seriousness of the situation in West Africa we feel it is worth expanding on this. There are two key points to consider:

    Africa is big – really. really big.

    One thing that many people not involved with the travel industry are not aware of is just how huge Africa is. for example, the outbreak in West Africa is over 3500 miles away from Kenya, Tanzania and South Africa, and over 3,000 miles from Botswana and Namibia. To put this into context, London is about 3000 miles from the affected area, so many of these places are further from the centre of the outbreak than the UK is.

    You can get an idea of the sheer scale of Africa from this fascinating map from the Economist:

    Most of Africa has not had an outbreak of Ebola since records began in 1976

    It is also worth noting that according to the World Health Organisation (WHO), there have been no reported cases of Ebola since records began in 1976 for Kenya, Tanzania, Botswana, Namibia, Zambia or Zimbabwe amongst others. The eagle eyed amongst you will notice that South Africa was missing from that list: well, the only case in South Africa since records began in 1976 was a medical professional who travelled from Gabon to Johannesburg, after having treated Ebola virus-infected patients and thus having been exposed to the virus there. You can see a full history of outbreaks since 1976 here:

    In conclusion

    Our thoughts and prayers are with all those currently fighting the the outbreak of Ebola in West Africa, however the safari and beach destinations of Southern and Eastern Africa are unaffected at present, and history suggests that they may well remain unaffected througout this outbreak.

    Tour operators and airlines will continue to monitor the situation and the FCO travel advice, and if it is considered unsafe for travel by the FCO then people who have booked an ATOL protected package will be entitled to alternative travel arrangements or a refund.

    We believe that you can still book with confidence and travel safely to Africa, and we look forward to showing you and your clients around this huge, spectacular and diverse continent.

    About the author: Paul Campbell is a member of the SATOA Committee and Managing Director of Travel Butlers Ltd .


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

    #how to get cheap flight tickets

    The Secret to Getting a Ridiculously Cheap Thanksgiving Flight

    Stephan Zirwes—Brand X/Getty Images

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

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

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

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

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

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

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

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

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

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

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

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

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

    Don t book flights in groups.

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

    Check other smaller airports nearby.

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

    Check smaller airlines.

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


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    Travel Destinations is an Official Agent for Le Mans #cheap #tickets

    #travel destinations

    Travel Destinations

    Motorsport travel tickets from Travel Destinations

    Travel Destinations is the UK’s leading tour operator for sports cars historic motorsport events. Travel Destinations are proud to be an official tickets agent for Le Mans 2016 and the Spa Classic 2016 offer the best tickets travel offers for motorsport events around the world, such as the Nurburgring 24 Hours and Rolex 24 at Daytona.

    How to book

    • We all thoroughly enjoyed ourselves. Absolutely brilliant staying with you!

    Vanessa C

  • You know, all the Travel Destinations team really do a great job!
    Paul K.
  • Wonderful trip. We are really looking forward to the next one with Travel Destinations.
    Ian S.
  • I felt well looked after on-site and happy that I can talk to a Travel Destinations member of staff at any time.
    Ken J.
  • All your team are professional, courteous and friendly. Just the right balance.
    Peter A.
  • I have used Travel Destinations twice, for Le Mans and Le Mans Classic. Perfect service on both occasions. Many thanks.
    Roger D.
  • Fantastic trip! We had great fun. Many thanks to all the Travel Destinations team.
    Richard M.
  • I would like to thank everyone at the Travel Destinations office for being so helpful


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  • Travel Is Fun Tours #hotel #and #flight

    #travel tours

    • Our office address is:

    919 Tyrone Boulevard

    St Petersburg FL 33710

    Please Call us at:

    (727) 347-1600

    • Some of our most popular destinations include: Branson MO, Nashville TN, Pigeon Forge TN, St Augustine FL, Key West, FL, Many Casinos and many other great locations


  • PAYMENT for one day tours or the deposit for longer tours needs to be made 10 days following booking. Full payment for longer tours is due per trip brochure. After 10 days without payment, you will be put on a standby list and will need to check again for availability. REFUNDS for one day tours are usually available, if notified in time, or unless tickets and reservations have already been paid at the attraction and are nonrefundable. Check for each circumstance. TRAVEL INSURANCE for overnight tours is STRONGLY RECOMMENDED and available through our office, please inquire. Not available through Travel Is Fun for Residents of TX, WA NY


  • 27/11/2017

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    Travel Tips: When is the Best Time of Year to Visit

    #travel paris

    A Complete Guide to Deciding When to Book Your Paris Vacation

    By Courtney Traub. Paris Travel Expert

    A native of the notorious San Fernando Valley in Los Angeles, Courtney Traub now divides her time between Paris and the UK.

    A freelance writer, reporter, and editor who’s worked for print, web, and radio outlets, Courtney enjoys aimless strolling around her favorite Paris neighborhoods. old movies on crackly screens. and the endless challenge of polishing her French .

    When planning a trip to Paris. one of your most pressing questions is likely to be when is the best time to go? If you re set to visit Paris for the first time, you may be persuaded that the much-lauded Paris in the springtime is the obvious choice– but depending on your budget, tolerance for large crowds, and your personal centers of interest, another time of year may in fact suit you much better.

    Similarly, if you ve been to Paris before, you may wonder whether a fall or winter visit will be worthwhile, given rumors of cold, bitter conditions and gloomy, unsociable locals. The reality, though, is far more nuanced– the winter holiday season in Paris offers plenty of light and celebration as the city lights up for Christmas and other winter holidays. In the fall, meanwhile, events like the Montmartre Wine Harvest (Vendanges)  and Nuit Blanche. an all-night arts and culture event that sees crowds throng the streets for free exhibits and performances, bring the city to life in a memorable way.

    As a long-time resident of the city of light, my own perspective is that every season here has its charms and pitfalls, pros and cons– as they do anywhere else, of course! There s no ideal time, in short, and deciding when to book is a highly personal decision that will depend on a number of factors.


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    Travel websites: Which online resource is best? CBS News #travel #agencies

    #travel web sites

    Travel websites: Which online resource is best?

    (CBS News) If you’re still planning that summer vacation or have a business trip on tap, there are many ways to find help on the Internet. However, even though they’re just a click away it is not always easy to tell which site will give you the best options.

    Personal financial expert Lauren Lyons Cole, of TheStreet. made the process a little easier and shared her top picks for the best travel websites on “CBS This Morning: Saturday.”

    To get the best airfare, she suggested the Google-owned site, ITAairfare. The site is popular because it not only gives you best pricing, but is very easy to search. It has a calendar-style presentation and is great for finding cheap fares for international routes.

    If you’re looking to travel the rails, she suggests the site Man in Seat 61. Cole says that this site is great for those new to rail travel. It provides information on tickets, pricing and the best routes. It’s also a great tool for those traveling in Europe where trains are much more frequently used for travel.

    Cole gave two different options for those looking to book hotels. The website Mr. and Mrs. Smith is a catalog of reviews for boutique hotels from a couple who’ve actually stayed at each venue. This is a great resource for those looking to stay in these types of establishments.

    On the flip side, Hostelworld is a site for people who want to save a bit more money. Cole said that hostels aren’t what they used to be, and that even families can stay in them.

    “They’re a great way to save on money while you travel abroad,” she said, noting that not all hostels are exclusively for students. “There are hostels that are more family-friendly. You can get on, see everything, whether it’s booked or not booked, and then read expert reviews on whether this is going to be the right fit for you.”

    If you’re looking for things to do off the beaten path, Cole suggests the site Atlas Obsucra. where you can put in a location and check out reviews on bizarre sites across the world — or in your own backyard.

    As a safety precaution, Cole recommends that any time you leave the United States you check with the U.S. State Department’s website for any urgent restrictions. as well as register your trip in case of emergency at home or abroad.

    For Lauren Lyons Cole’s full interview, watch the video in the player above.

    2013 CBS Interactive Inc. All Rights Reserved.


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    Air travel during pregnancy: Is it safe? Mayo Clinic #trip #deals

    #travel air

    /media/kcms/gbs/research/images/2013/05/02/10/56/globalnav-patientcare.jpg” /%Quality Care Find out why Mayo Clinic is the right place for your health care. Make an appointment.

    /media/kcms/gbs/research/images/2013/05/02/10/56/globalnav-docsdepts.jpg” /%Meet the Staff Find a directory of doctors and departments at all Mayo Clinic campuses. Visit now.

    /media/kcms/gbs/research/images/2013/05/02/10/56/globalnav-research.jpg” /%Research and Clinical Trials See how Mayo Clinic research and clinical trials advance the science of medicine and improve patient care. Explore now.

    /media/kcms/gbs/research/images/2013/05/02/10/56/globalnav-meded.jpg” /%Visit Our Schools Educators at Mayo Clinic train tomorrow’s leaders to deliver compassionate, high-value, safe patient care. Choose a degree.

    /media/kcms/gbs/research/images/2013/05/02/10/56/globalnav-medprofs.jpg” /%Professional Services Explore Mayo Clinic’s many resources and see jobs available for medical professionals. Get updates.

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    And the Winner Is – Online Travel #flights #and #hotels

    #online travel

    And the Winner Is – Online Travel

    By Paul A. Greenberg

    Jan 22, 2002 1:55 PM PT

    E-commerce is alive and well online. Those who want solid evidence need look no further than the online travel industry.

    As one of the few consumer industries that has established itself and shown measurable growth on the Internet, online travel is no longer focused on basic survival. Instead, the industry is concentrating on its quest for the ingredients of longevity: market share, saturation and profit.

    Exhibit A is Travelocity (Nasdaq: TVLY), which last week reported fourth-quarter earnings of US$4.9 million or 9 cents per share. Last year at this time — long before terrorist attacks threatened to put serious dents in the online travel industry — Travelocity reported a Q4 loss of $2.4 million or 5 cents per share.

    Reflecting the impact of terrorism on online travel, Travelocity reported that gross travel bookings dropped by $60 million from the year-ago period. But fewer sales apparently did not affect the company’s ability to boost its profits.

    Now, there’s an equation that’s easy to live with.

    Personal Power

    So, what is it about the online travel industry that continues to allow it to emerge as the poster child for e-commerce hope?

    Some might say it has everything to do with convenience and cost savings for consumers — and they would be partly correct.

    But as one who has booked all of his own travel online for the past two years, I believe online travel’s pull goes deeper than that, especially since the September 11th terrorist attacks.

    Booking travel online gives consumers a greater sense of control — especially compared with placing their trust in a travel agent or a faceless phone sales rep from an airline company.

    Need for Speed

    In addition to its ability to make consumers feel like they are in control of their own destiny, online travel caters to customers’ ongoing love of instant gratification — such as printing e-tickets minutes after purchasing them.

    Airlines apparently sense this trend and are making moves to capitalize on it. Several airlines have begun charging extra fees for some paper tickets in an aggressive move to persuade consumers to go the e- ticket route.

    Too much too soon? Not at all. According to Forrester Research. by 2003, 70 to 80 percent of all airline tickets will be issued electronically.

    Watch and Learn

    Another reason online travel continues to flourish is that it never gets too comfortable with its own progress.

    Even now, with a growth spurt in full force, the top three players — Travelocity, Expedia (Nasdaq: EXPE) and Orbitz — continue to vie for position and innovate.

    Expedia, for example, is expanding its operations to include passport and visa services. Users will be able to research travel access requirements for most countries on the Expedia site, then download necessary document applications and send them directly to Expedia’s new partner, Express Visa Service.

    Travelers also can check the status of their travel documents at any time.

    Redefining ‘Full Service’

    The new economy calls for new definitions of old consumer services.

    The online travel industry is doing it right by giving consumers total control over their itinerary and by providing self-directed and comprehensive trip planning.

    For example, before a journey to London, a traveler can update or initiate travel documents, research promotional rates, book a flight, find hotel packages, buy a Eurail pass, arrange to be met at the airport by a driver and have a rental car waiting at the hotel.

    Isn’t that what e-commerce promised us in the first place?

    What do you think?

    Let’s talk about it.

    Note: The opinions expressed by our columnists are their own and do not necessarily reflect the views of the E-Commerce Times or its management.


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    5 reasons Bhutan is worth the US$250 daily fee #globus #travel

    #bhutan travel

    5 reasons Bhutan is worth the US$250 daily fee

    Bhutan’s strategy of “low volume, high quality” tourism has made it a highly regarded destination among discerning travelers.

    It costs an official US$250 per day per person to sample the charms of this isolated Himalayan kingdom. an amount that includes land transport, accommodations, food and guide service.

    While it’s not quite an arm and a leg, the cost does seem restrictive for some. It’s the government’s way of keeping the country from being overrun by mass tourism, while at the same time ensuring its preferred visitors get the most value out of their trips.

    So is it really worth the money? These five experiences have convinced us it is.

    1. Bhutanese lifestyle

    The word “authentic” is more overused than the word “sorry” in tourism, but Bhutan is a place that can remind us of the true meaning of cultural authenticity.

    Tourism got here less than four decades ago. The hermit kingdom has preserved its rich cultural identity throughout years of isolation .

    On the streets, traditional dress remains the preferred attire  and local languages Dzongka and Sharchop can be heard.  Native Dzongka-style architectural features still grace every building and Buddhism colors just about every aspect of life.

    But change is in the air. The arrival of TV and the Internet in 1999 has brought the outside world into Bhutanese homes, with mostly positive reactions from the locals.

    “I appreciate the technology and the progressive attitude of the so-called ‘modern world.’ This can help us improve farming techniques or use better medical facilities,” reflects Kinley Tenzing, a car salesman from the capital of Thimphu.

    “We just need to manage foreign influence s o that we don’t lose our cultural identity”.

    Bhutanese kids in your average, non-traditional play-wear — shorts and tees.

    Concerns about the erosion of Bhutanese values have led to a government-imposed dress code for working attire. Only the male gho and female kira dresses are allowed for official duties. There’s also a ban on non-traditional forms of architecture.

    Despite this, one can occasionally glimpse T-shirts and jeans worn by young Bhutanese on weekends.

    And an escalator-equipped shopping mall now stands proudly in the middle of Thimphu.

    Starbucks and McDonald’s have yet to appear. They probably won’t open shop anytime soon.

    2. Bhuddist peace

    Outdoor enthusiast or not, no visitor leaves Bhutan without making the trek to the Taktsang Palphug, aka the Tiger’s Nest. See the gallery above.

    Situated on the edge of a cliff, some 900 meters above the rice fields of Paro, this 320-year-old monastery is considered one of the kingdom’s most sacred religious sites.

    Legend has it Guru Rinpoche, the founder of Tibetan Buddhism, meditated for years inside a cave that now lies at the heart of the temple. The Tiger’s Nest is now a revered Buddhist meditation site and tourist attraction.

    To get here, you’ll need to trek 90n minutes, breathing thin mountain air.

    The trail winds through pine forests, past ancient Buddhist shrines adorned with endless lines of prayer flags. Smiling pilgrims and stunning landscape views accompany every step.

    The hike takes effort, but simply walking these revered slopes is enough to induce a meditative mood.

    3. Spicy food

    The Bhutanese aren’t kidding when they say that chillies are their favorite vegetables.

    Proof is their fondness for emma datshi, an insanely hot delicacy of boiled chillies and native cheese. It’s their de facto national dish, a source of cultural pride and a mainstay in every meal.

    The first taste is always fiery, but get past the spice and it becomes easy to appreciate the creamy, salty, somewhat fruity flavor.

    Paired with native red rice, emma datshi becomes a satisfying meal.

    If you worry this dish will be too hot, fear not: local chefs usually tone it down for foreign diners.

    4. Unexpected attractions

    While phallic murals like this one cause non-Bhutanese to blush, they’re commonplace, sacred images for locals. The town of Punakha is home to one of the most unusual shrines in Buddhism.

    The Chimi Lhakhang is dedicated to Drukpa Kunley, a tantric Buddhist saint known for his unconventional approach to religion.

    You’ll know what this means when you see the murals and carvings depicting the male phallus. Sex was Drukpa Kunley’s way of blessing devotees. It’s claimed he made love to more than 5,000 women in his lifetime and it’s believed the sex act helped devotees on the path to enlightenment.

    The Chimi Lhakhang is more than just a village shrine. It’s a fertility pilgrimage site for those wishing to bear children.

    Households around the shrine hang wooden phalluses to bless the home and promote harmony among family members.

    5. Nightlife, Bhutan-style

    Evening entertainment in Bhutan is rather tame. What it lacks in variety, however, it makes up for with distinctly Bhutanese character.

    To see what we mean, visit a drayang in any of the bigger towns and cities. These homegrown nightclubs come complete with disco balls and flickering lights set amid simple wooden interiors.

    The entertainment centers on singing. Patrons choose from a stable of in-house talent and pay them to perform onstage. The going rate is BTN 30 (around US$0.60) per tune.

    Bhutanese performers belt out requests in Dzongkha and Hindi while customers kick back with Red Panda beers.

    Never mind if the lyrics are indecipherable. The voices are shrill and the moves truly traditional. It’s a fun, fascinating night out.

    Recommended is Lha-Yul Drayang in Paro Town, but try not to arrive too late -– the place closes at 11 p.m.

    How to Get There: Drukair is the national carrier of Bhutan and is the only one that flies to the international airport in Paro. The airline has hubs at Singapore ‘s Changi Airport, Bangkok’s Suvarnabhumi International Airport and Delhi’s Indira Gandhi International Airport .

    With the exception of Indian, Bangladeshi and Maldivian nationals, independent travelers must plan a trip through an authorized travel agency such as Druk Asia (+65 6338 9909 ).

    Travel packages cost US$250 per day (US$200 for low season), but includes guide, land transport, meals and three-star accommodation.


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    World travel map: where is it dangerous? #all #inclusive #travel

    #travel advisory canada

    Safety warnings and advice for Canadians from the Canadian government

    Last Updated: Feb. 3, 2014

    These are foreign travel recommendations and warnings for Canadians from the government of Canada as of February 2014. Click on any country for more details.

    Note: This map is for illustrative purposes only. Before you go, visit the government of Canada travel web site for the very latest information. The government advises that Canadian travellers are responsible for their own personal safety while abroad.

    Travelling Canadians

    NORTH KOREA TOURS North Korea tourism ‘booming’ Travellers ignoring war rhetoric, nuclear threats

    TRAVEL SAFETY Warnings and advice for countries around the world Map of Foreign Affairs travel recommendations

    WORLD TRAVEL Sun destinations still most popular with Canadians Mexico, southern U.S. among most common places to visit

    MEXICO How safe is Mexico for tourists? Q


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    What Is the Cheapest Way to Travel to Europe? #international #travel

    #cheapest way to travel

    What Is the Cheapest Way to Travel to Europe?


    Airline consolidators routinely offer discounted international flights to Europe and other places. After purchasing the tickets in bulk, they are able to offer them at a substantial savings for the consumer. Flexibility and advance planning will yield the biggest savings.


    Consider flying into one city and out of another. Many major European cities are in close proximity, within a few hours drive, and the potential savings could be significant.

    Travel Agencies

    This might seem like an obvious option, but the old stand-by travel agent still has some merit. A travel agency often has exclusive access to pooled airfare discounts and can pass those on to the consumer.

    Chartered/Courier Flights

    Charter and courier flights have cheaper fares, but the offerings of such flights have diminished greatly. Many restrictions apply as well, such as the need to live near a few choice departure cities, limit luggage to carry-on and fly with little notice.


    Provided you’re in Eurasia or Asia in some instances, travel by train is possible. Affordable fares are available from Moscow to London and between other cities as well.


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    What is the Right Travel Insurance for a Cruise? #amigo #travel

    #cruise travel insurance

    Insuring Your Cruise

    Travel insurance is particularly important for cruisers, because cruising carries its own unique set of concerns that may not be shared by the average traveler. For example, because of the nature of cruising, the possibility of missing some leg of your trip — such as the ship’s departure from one of its ports — is somewhat higher than it is when you take a non-stop flight from Point A to Point B. Getting appropriate medical care in an emergency at sea is also a consideration that needs to be factored into making decisions about insuring a cruise. These, among many others, make a good case for at least investigating travel insurance when you plan to take a cruise.

    However, it’s important to be cautious about where you get that insurance. Typically, it’s most advisable to buy travel insurance for your cruise from a third party source — not from the cruise line itself or from a booking site. These types of travel insurance policies tend to be fairly limited in their coverage, may not contain important benefits you need for your individual comfort and safety, and often are written in a way that is more likely to benefit the cruise line than it is to benefit you. When you decide on a trusted third-party source for your insurance, make sure to find out what type of coverage is available to you for the following concerns:

    Medical Care

    If you should unexpectedly fall ill or become injured while you’re on your cruise, you’ll need some sort of medical insurance coverage to offset the expense of the medical care you receive. Many cruisers don’t know that their home medical insurance provider may not cover any care they receive outside of their home country, or may cover only a portion of the costs. Those on Medicare should be particularly concerned with this type of benefit, as Medicare does not cover any kind of medical care outside of the United States.

    Emergency Medical Evacuation

    While rare, emergency medical evacuations are a very real possibility for cruisers. Whether the emergency is severe enough to require an air rescue from the ship, or whether it involves emergency transport from the nearest port of call to an on-shore medical facility, the costs can be prohibitive if not covered by insurance. Those who are particularly concerned about the possible quality of medical care in an unknown area of the world may want to consider looking into the optional Hospital of Choice benefit as well.

    Baggage Loss or Baggage Delay

    Between airlines, ships, and ports of call, there are plenty of opportunities for cruisers to misplace personal items — or for those personal items to be delayed or lost in transit, or worse, stolen during the course of the cruise. Making sure you have baggage loss coverage to help you recover the costs of replacing your lost items, or baggage delay coverage to help you get the necessities covered while you wait for your bags, can greatly decrease the stress of losing your belongings.

    Identity Theft

    Losing personal documents such as passports is certainly a possibility when on a cruise. Identity Theft protection is a unique service offered by some travel insurance companies, which can help guide you through the process of minimizing any possible damage to your credit or financial reputation, while also taking care of important communications and monitoring for you and helping you to replace your documents as quickly as possible.

    Financial Default

    One important benefit that third-party insurance policies offer is possible coverage for financial default. In other words, if your cruise line or another travel supplier related to your cruise goes bankrupt, financial default coverage would allow you to potentially recover the money paid to that travel supplier, as long as you weren’t able to make suitable alternate arrangements. However, financial default coverage is a time-sensitive benefit, so be sure to look into purchasing your travel insurance as soon after you make your first trip payment as possible.

    Hurricanes and other Inclement Weather

    Cruise ships are obviously especially vulnerable to the effects of hurricanes or other severe weather. While travel insurance will not offer you any coverage if your cruise goes off as scheduled, but misses a few ports of call or has to re-route entirely due to bad weather, it can cover you if the cruise is cancelled or cut short. There are also important travel insurance benefits available that are related to bad weather that occurs at your home, or which impacts any portion of your trip, including air travel.


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    What Information Is Needed to Book an Airline Flight? #rental #cars

    #book flight

    What Information Is Needed to Book an Airline Flight?

    Travel Itinerary

    Choose the airline, date and times you want to travel and return. Do a search of available dates and times on a travel search engine website. A huge listing of available flights during the dates you requested will show up. Choose the best departure and return flight for you. You may be shown cheaper prices if you go one day earlier or later than you intended. If you are flexible, choose the alternative dates to save money. Please note that a few airlines, such as Southwest, do not allow travel search engines to have their ticket information. You must look for a Southwest flight directly on its website.

    Personal Information

    In order to book a flight either online or on the phone you must provide basic personal information. This includes your full name as it is written on your government-issued I.D. card. As of 2010, new Transportation Security Administration Secure Flight Information also is needed. This is your date of birth and your gender. If you would like to receive your itinerary information and ticket by email you will need to provide an email address.

    Credit or Debit Card Info

    You must provide the credit card or debit card information for the card you want to use to purchase the airline ticket. Information needed will be the card number, expiration date and three-digit code on the back of the card.


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    What is an ARC Number? #find #cheapest #airline #tickets

    #arc travels

    What is an ARC Number?

    If you re new to the travel industry, the amount of numbers we have that are in cryptic acronym form is a bit disturbing. CLIA. IATAN, ARC, and more blech! It s complicated but I ll do my best to give you all the details. What is an ARC number, you ask? I ll tell you.

    What is an ARC Number?

    In broad terms, think of it as a social security number for a travel agency so they can be identified by vendors. Don t want to be plastering it all over or putting it in your email signature, but at the same time, you give it out to an uncomfortably large amount of people for it being a number with so much power.

    ARC (Airlines Reporting Corporation) gives out these the ARC numbers to accredited agencies and it allows those travel agencies to issue airline tickets. The use of an ARC number extends beyond air tickets. Travel agencies will use it to book everything from a hotel to a cruise ship.

    When it comes to booking, ARC numbers are the Visa cards of travel numbers. They re accepted by every type of vendors/suppliers that works with travel agents. Little secret, that s not always the case with some of the travel agency ID numbers out there. For instance, CLIA agencies (without ARC accreditation) cannot issue airline tickets. Makes sense since CLIA numbers were designed specifically for cruise-focused travel agencies.

    Who Uses an ARC Number?

    Short answer:  It was a necessity for travel agencies at one point in time.  Most air ticketing agencies have an ARC number but  non-airline ticketing agencies may use a variety of other accreditation numbers including CLIA, VTC (through ARC), IATAN non-ticketing entity, or TRUE accreditations.

    Long answer: Back in the day, an ARC number was an absolute necessity if you had a travel agency. Not the case today. The number of ARC accredited travel agencies has plummeted. In 1995, ARC had 47,000 accredited travel agency locations with $73 billion in sales. In February 2012, the number of travel agencies holding an ARC number was expected to fall below 14,000 for the first time.  An undeniable drop in accreditations due to fewer agencies and other accreditation options but there is one small factor to mention.  Don t quote me on the exact date of the change, but travel agencies previously had to have an ARC number for every branch and satellite ticketing printer.  Now days, you can have one ARC number regardless of the number of branches or satellite printers.

    Many agencies that previously needed the GDS have dropped their accreditation due to expenses and the disappearance of airline commissions. Some agencies completely stop issuing airline tickets and shut up shop or opted for other accreditations.  Some agencies ticket under their host agency s accreditation number.

    The Complexities of ARC Accreditation: Not for Everyone

    ARC numbers are not needed for every type of travel agency. If you re a home based travel agent or storefront agency that only books leisure travel (no air), having your own ARC number is overkill. For those agencies that have small air ticket sales, having your own ARC number is expensive, time intensive, and can be risky.  There are fees and the ARC report that needs to be filed and reconciled weekly.  You run the risk of fraudulent ticketing activity occurring with your ARC that you are held financially responsible for.

    Due to the financial risk involved with booking airline tickets, ARC requires an in-depth screening process (including an on-site visit and a financial survey). You will also need to pass an exam. At of the time of writing, ARC accreditation has a $1600 price tag to start up and a $195 annual renewal fee. Did we mention that there is a minimum $20,000 bond, letter of credit or cash deposit you have to put up?  We re not hating on the fees, airline fraud is rampant and we d take preventative measures too.  What we are saying is you need to be ready to dole out some cash if you want an ARC number.

    Positives of Having an ARC Number

    Despite everything above, there are many positives to having your own ARC number. I won t go in-depth since my target audience is travel agencies aligned with host agencies and I believe there are very few of my readers that this would be a good idea for.

    But, lest someone call me biased, I ll give a positive. For agencies with high segment counts in the GDS (global distribution system), there are financial incentives from both the GDS and the airlines for your sales. There s a reason the remaining ARC accredited agencies sales are growing larger and larger!


    IATA, CLIA, ARC. and TRUE are all accreditation numbers with subtle, and sometimes not-so-subtle, differences.  Hopefully my series of posts on what an ARC number is and what a CLIA number is will help you navigate the murky waters of travel ID numbers!

    If you still don t feel up to speed, ask your question in the comment box below and we ll get you on the right path.


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    This site is Tucan travel website. #cheap #airfares

    #tucan travel
    # This site is Tucan travel website.


    Tucan Travel, South and Central America Travel Specialists


    We began exploring the depths of South America back in the early 80 s, and have been leading travellers throughout Latin America ever since.

    Having pioneered many of the popular routes you will see throughout our website, we have earned our excellent reputation by continuously improving our itineraries and services. This has made us the world s leading operator in Latin America, with the widest range of travel styles. Our professional team have unrivalled experience on the ground locally, as well as full back-up around the world from our local Cuzco office, two head offices and many agents.

    Tucan travellers come from a wide variety of cultures, nations and backgrounds. They share a spirit of adventure, a strong sense of fun, and the desire to go on a holiday that offers a more fulfiling experience than simply lying on a beach somewhere.


    Tucan Travel Randwick NSW AU 2031 +61.249529600


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    State Minimum Car Insurance vs #what #is #full #coverage #car #insurance


    State Minimum vs. Full Coverage Car Insurance

    Full coverage auto insurance: It sounds good, but it also sounds expensive. Do you really need full coverage, or can you get away with the state minimum? Let s find out which choice is best for you.

    The Pros and Cons of Full Coverage Car Insurance

    First, a quick explainer: full coverage auto insurance isn t technically a type of insurance. Generally, it means car insurance that offers enough coverage to protect you and your vehicle in almost every scenario, whether a fender-bender or a major wreck.

    Full coverage car insurance includes not only liability coverage — which covers property damage and bodily injury to others in accidents you cause — but also collision and comprehensive. It may also include coverage for medical payments, personal injury protection, uninsured or underinsured motorists and other things, like rental car reimbursement or roadside assistance. Having this full coverage provides peace of mind and financial protection. However, all these premiums do add up, and you may end up paying hundreds for coverage you never use.

    The Pros and Cons of State Minimum Car Insurance

    State minimum car insurance means a policy that meets the state coverage requirements for you to drive legally. It typically includes liability and property damage coverage, and may also include personal injury protection or uninsured motorist coverage. The most obvious benefit of going for the minimum insurance required by your state? It s the cheapest option. Some insurers, such as SafeAuto, even specialize in offering state minimum insurance for drivers on a tight budget.

    Buying the state minimum insurance is also a lot better than the alternative: driving uninsured. Every state except for New Hampshire requires drivers to carry liability insurance. and there are stiff penalties if you re caught driving without it. You don t have to be pulled over to have your insurance status checked. Several states use electronic insurance verification, in which insurance records are checked against motor vehicle registrations.

    However, insurance experts warn that having the state minimum car insurance won t protect you sufficiently in case of an accident. In 2012, the average insurance claim amounts were :

    • $3,073 for property damage
    • $2,950 for collision
    • $1,585 for comprehensive
    • $14,653 for bodily injury

    Keep in mind that these numbers each represent the amount filed for a single claim. In one accident, multiple claims may be filed for damage to the vehicles and injuries to each passenger. If you cause a serious — or even a minor — accident, you may find yourself responsible for paying several thousands of dollars for the other driver s vehicle damage and injuries. Don t think you can simply turn out your pockets and say, I can t pay. The other party can sue you for damages and force you to sell your assets to pay the debt.

    Also, state minimum car insurance does not include collision coverage, which pays for damage to your car in an accident, or comprehensive coverage, which protects your car from theft, flooding and other damage not caused by an accident. Without these coverages, you ll have to pay to fix or replace your car yourself.

    Should You Buy Minimum or Full Coverage Car Insurance?

    You want to make sure you re protected, but you don t have money to waste on extra insurance. How do you know if the state minimum coverage will be enough?

    First, check your state s minimum liability requirements. These vary quite a lot between states and also may change over time. The requirements appear in a format like this: 25/50/25, which means bodily injury coverage up to $25,000 per person in an accident and $50,000 for all people injured, plus $25,000 for property damage.

    As of 2015, Florida has the lowest standard insurance requirements: 10/20/10. Low-income drivers in a special California plan can have a 10/20/3 policy. New Jersey s basic plan for young or low-asset drivers goes even lower: 10/10/5. That s not going to go very far if you get into an accident.

    Alaska and Maine have the highest minimum insurance requirements: 50/100/25. Maine also requires you to carry at least $2,000 in medical payment coverage. For many drivers in these states, this level of insurance might be enough.

    Once you ve checked your state insurance requirements, figure out how much you re worth. Add up the value of your home (if you own it), your bank accounts and any other assets. If you don t own much besides your car and your futon, the state minimum insurance may be enough for you, because you don t have significant assets to protect.

    In the end, the best way to decide is to do a car insurance comparison. Compare lets you get free quotes from multiple insurers for different coverage levels, so you can see how much more you ll pay for full coverage car insurance.

    You might be surprised to find that you can increase your coverage without paying much more. For instance, the Virginia state minimum requirements are 25/50/25. For a single driver with a 10-year-old car and a good driving record, one insurance quote bumped that coverage up to 100/300/100 for just $60 more per year.

    Keep in mind that you can raise your coverage limits and then alter other aspects of your insurance policy to save money. If you drive a beater car that would only cost a few grand to replace, you may be able to safely drop collision coverage. Or consider increasing your deductible from $500 to $1,000.

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    Retail Merchant Services, Credit Card Machines and Online Payments, what is


    Low-cost credit card machines for small business owners

    Award winning merchant services trusted by over 45,000 UK businesses for credit card machines, online payments and phone payments.

    What is a flexible spending credit card

    Start taking card payments now

    What is a flexible spending credit card

    Credit Card Machines

    We have the widest range of credit card machines from any merchant services provider, with contactless payments as standard.

    What is a flexible spending credit card

    Online Payments

    Accept credit cards online with a payment gateway, pay by link or pay now button and grow your business without boundaries.

    What is a flexible spending credit card

    Phone Payments

    Give customers greater convenience without losing the personal touch and accept credit cards over the phone with a virtual terminal.

    We re no ordinary Merchant Services Provider.

    • What is a flexible spending credit card

    Award Winning Merchant Services

    When you call us, it will be one of our UK based Customer Service Advisors who picks up the phone, not a machine. As a Retail Merchant Services Member, we want to exceed your expectations and we invite our customers to let us know if we fall short.

    Our Customers

  • What is a flexible spending credit card

    More than just Card Machines

    When you join us, you’ll get a reliable credit card machine with contactless payments as standard, but you ll also get a range of Membership Benefits for small businesses, including: Free Legal Advice, Discounted Utilities and Merchant Cash Advance.


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  • My Travel Guard is a made to order travel insurance plan

    #plan my travel

    My Travel Guard

    We understand that your trip can take a year to save for, but only a second to ruin. While you can’t do anything to prevent an unexpected storm from closing the airport, you can do something to help cover your travel investment. The My Travel Guard plan may be purchased to do just that. For a complete Certificate of Insurance, please click here

    • 100% Trip Cost Trip Cancellation Trip Interruption

    Reimburses nonrefundable, unused payments or deposits if you must cancel or interrupt your trip due to an illness, injury, or death of you, a family member, traveling companion or business partner or other covered reasons.

  • $1,000 Trip Interruption – Return Air Only
    Reimburses the additional airline transportation expenses incurred by you to reach the return destination for trip interruptions.
  • $500 Trip Delay
    Reimburses up to $100 per day/per person up to the Maximum Limit shown on the Schedule of Benefits for reasonable additional expenses if the insured is delayed for more than 12 consecutive hours due to a covered reason.
  • $500 Missed Connection
    Reimburses up to the Maximum Benefit shown on the Schedule of Benefits if Inclement Weather or Common Carrier causes cancellation or a delay of regularly scheduled airline flights for 3 or more hours to your point of departure.
  • $500 Baggage Personal Effects
    Reimburses you if your baggage or personal effects are lost, stolen or damaged while on your Trip, subject to the Maximum Benefit. $50 Deductible applies. This coverage is in excess of any other coverage or indemnity.
  • $100 Baggage Delay
    If your Baggage is delayed more than 12 hours, you can be reimbursed for the purchase of Necessary Personal Effects, subject to the Maximum Benefit.
  • $10,000 Accident Sickness Medical Expense
    Pays for medical expenses incurred while on a trip. $50 Deductible applies.
  • $100,000 Emergency Evacuation Repatriation of Remains

    Covers evacuation and transportation as directed by a Physician to the nearest adequate medical facility (home in the event of death or if medically required). Pays for special medical escort if recommended in writing by the attending Physician.

  • Optional Coverage*

    The following will be included if elected and appropriate costs have been paid.

    • Cancel for Any Reason

    You have the option to purchase a maximum limit of either 50% or 75% of Trip cost which provides reimbursement if you decide to cancel for any reason up to 48 hours prior to departure. (Must be purchased within 21 days of initial trip payment or by final trip payment.)

  • Medical Expense Upgrade
    Waives the $50 deductible and increases the Medical Expense limit of the base plan from $10,000 to either $25,000, $50,000 or $100,000. Also, offers a separate option to upgrade your Medical Expense benefit to Primary coverage.
  • “Hospital of Choice” Evacuation Upgrade
    For medical emergencies, includes evacuation to the adequate licensed medical facility of your choice or home. Base plan provides evacuation to the nearest adequate licensed medical facility. Maximum limit is increased to $1 million.
  • Baggage Upgrade
    Increases the Baggage and Personal Effects limit to $1,000, $1,500 or $2,500 and waives the $50 deductible. Increases the Baggage Delay limit to $200, $300, $400 or $500. Also, offers a separate option to upgrade your Baggage and Personal Effects benefit to Primary coverage.
  • Car Rental Collision Coverage
    You have the option to purchase a maximum limit of either $35,000 or $50,000 in primary coverage. Subject to a $250 deductible. Covers collision damage to a rental car for which the car rental contract would hold you responsible.
  • Accidental Death Dismemberment (Common Carrier Air Only)
    Amount Purchased (up to $500,000) Coverage for accidental death or dismemberment that occurs when traveling on a regularly scheduled flight or charter, subject to the Maximum shown in the Schedule.
  • Adventure Sports Coverage
    Provides Trip Cancellation/Interruption, Emergency Evacuation and Medical Expense coverage for losses caused by many adventure sports activities typically excluded in many travel insurance plans.
  • Accident, Interruption Delay Upgrade
    Increases the Trip Interruption benefit to 150% of Trip Cost; increases Trip Delay to $1,000 ($200 per day); increases Missed Connection to $1,000; and adds $50,000 Accidental Death Dismemberment coverage.
  • Additional Unforeseen Events Upgrade

    Includes Trip Cancellation/Interruption coverage due to Financial Default, Terrorist Incident and a waiver for pre-existing medical conditions. Also covers Trip Cancellation/Interruption due to involuntary job loss or layoff. For complete details of coverage refer to the Certificate of Insurance. (Must be purchased within 21 days of initial trip payment or by final payment.)

  • * Optional coverages cannot be purchased separately and may vary by state.

    Assistance Services**

    Assistance Services listed below are not insurance benefits and are not provided by the Company. Travel Guard provides assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler.

    • Travel Medical Assistance

    A menu of services available for emergency medical requests, including prescription replacement assistance, physician referrals, medical evacuations, and more.

  • Worldwide Travel Assistance
    Assistance with any travel emergency or request for general travel information, including lost, stolen or delayed baggage; replacing lost passport or travel documents; emergency cash transfers; pre-trip travel advice; inoculation information and more.
  • LiveTravel® Emergency Assistance
    24-hour hotline to make emergency travel changes, such as rebooking flights, hotel reservations, tracking lost luggage and more.
  • At Your Service

    Provides access to a world of conveniences that can help simplify and enrich your travel experience. Available 24/7, At Your Service can help get you into exclusive restaurants, concerts and other places you want to be during your travels!

  • To enroll in the My Travel Guard plan, pay the plan cost at any time up until 24 hours prior to departure. For a complete Certificate of Insurance please click here .

    **Non-insurance services provided by Travel Guard.


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    Dr Kobus Coetzee Christian Clinical Psychologist #what #is #clinical #psychologist


    Clinical Psychologist Centurion

    I am a Clinical Psychologist and Existential Psychotherapist in private practice in Centurion. I have been involved in research and teaching in the fields of Existential Psychology and Existential Psychotherapy for more than 10 years. I provide psychological services including individual Existential Psychotherapy and Marriage Counselling for individuals and couples. I believe in the potential inherent in every person to explore their inner being and to find the courage to direct their lives and relationships in a meaningful way. Meaning and purpose lay at the cornerstone of our existence and without a sense of both we may find ourselves lost.

    Clinical Psychologists work from different psychological paradigms. As a Clinical Psychologist I work from aChristian Existentialworldview perspective, believing that central to psychological well-being is a healthy spiritual as well as interpersonal life.

    Clinical Psychologists are trained to assess, diagnose and treat psychological issues with Psychotherapy and Counselling.

    Clinical Psychologists work with a broad range of psychological conditions including:

    • Anxiety
    • Depression
    • Obsessive-Compulsive Disorder
    • Relationship Conflict / Issues
    • Posttraumatic Stress Disorder
    • Trauma
    • Spiritual Conflict
    • Meaning and purpose
    • Spirituality
    • Anxiety or Fears
    • Addictions
    • Existential Guilt
    • Substance Abuse
    • Divorce
    • Domestic Abuse or Violence
    • Loss or Grief
    • Parenting
    • Impulse Control Disorder
    • Existential Anxiety

    As a Clinical Psychologist I offer Existential Psychotherapy and Counselling to adults and adolescents age 12 years and older.

    In addition I also offer:

    Adolescent Psychotherapy Teen Counselling

    Adult Psychotherapy and Counselling

    I work from the PsyCare Psychological Health Wellness Centre which is easily accessible from Johannesburg, Sandton, Midrand, Pretoria, Tshwane and Centurion in Gauteng.

    Christian Clinical Psychologist in Centurion

    Dr Kobus Coetzee

    Clinical Psychologist Existential Psychotherapist

    Schedule Appointments

    Growing in Grace Podcast

    Download the Relationship Questionnaire and Inventory

    Thoughts on Existence

    Quick Navigate


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    How Much Birth Control Would Cost Under The AHCA #birth #control,


    Here’s How Much Your Birth Control May Cost Under AHCA

    Like Us On Facebook

    The American Health Care Act. the GOP health care plan that aims to repeal and replace Obamacare, has narrowly passed in the House, and currently awaits a vote in the Senate.

    The controversial bill has been met with considerable pushback, as it would ultimately leave 24 million Americans without health insurance by 2026, according to an analysis from the Congressional Budget Office.

    Should the legislation pass, women are poised to face especially complex challenges when it comes to accessing birth control, which has been covered by Obamacare thanks to the “birth control benefit .”

    The Affordable Care Act requires insurance plans to cover all Food and Drug Administration (FDA)-approved methods of birth control for women without having to pay any out-of-pocket costs.

    Under the AHCA, however, women would no longer be able to reap any of those benefits.

    While Republicans may view a woman’s access to birth control as a “nitty-gritty detail ” in crafting health care legislation, any woman of child-bearing age can assure you the issue is far from trivial.

    Let’s talk about how much each contraceptive method actually costs when you pay out-of-pocket.

    While the prices vary depending on the circumstances, for most brands, a pack of birth control pills (which typically provides a month’s worth of contraception) can cost as much as $50 .

    However, it’s important to remember that only 17 percent of women who use a form of birth control are taking the pill.

    The intrauterine device, or IUD, is another commonly used method, though it demands a much steeper price out-of-pocket.

    Popular IUD brands like Mirena and Kyleena can cost anywhere between $500 and over $800 .

    Similarly, a birth control implant can set you back $800 without insurance .

    Unfortunately, the prices aren’t much kinder on your wallet as you make your way through the rest of the viable birth control options. Without insurance, you could pay up to $250 for the Depo-Provera shot. and $80 a month for the Nuvaring .

    Mind you, these costs don’t even factor in the doctors’ visits to obtain these prescriptions, nor the follow-up visits, all of which do not come free without insurance.

    So, what about Planned Parenthood?

    Fortunately, clinics like Planned Parenthood provide amazing resources to women seeking forms of contraception but lack the health insurance to pay for it.

    Not so fortunately, the latest version of AHCA plans to nix federal funding of the organization and bar patients from using any Medicaid dollars to access treatment at Planned Parenthood clinics.

    To put this in perspective, in 2015, approximately 43 percent of Planned Parenthood’s budget. or around $500 million, came from federal grants and reimbursements, according to NPR.

    Moreover, 60 percent of Planned Parenthood’s federal funding comes from Medicaid and Title X reimbursements for preventative and primary care, which includes not only birth control, but cancer screenings. as well.

    Even if the AHCA manages to garner enough votes in the Senate, this does not mean Planned Parenthood will vanish overnight.

    But they will lose a huge chunk of their funds, and we as patients could see an extremely alarming drop in the quality of their services.

    Plus, according to the Government Accountability Office, approximately 390,000 women could lose access to preventative care. and as many as 650,000 women would receive reduced preventative care.

    Cecile Richards, president of the Planned Parenthood Federation of America, discussed the potential impact of the GOP health care plan in the following statement:

    This is the worst bill for women’s health in a generation. This disastrous legislation once again makes being a woman a pre-existing condition; ‘defunds’ Planned Parenthood; guts maternity coverage; strips 24 million of their health insurance; lets insurance companies charge people with pre-existing conditions exorbitant rates; forces new moms back to work shortly after giving birth; and reduces access to contraception.

    In short, this bill makes it harder to prevent unintended pregnancy, harder to have a healthy pregnancy, and harder to raise a family. Alarm bells should be ringing in every house across America.

    Richards urges the Senate to “ listen to the American people and reject the worst bill for women’s health in a generation.”

    While it’s up to your health care provider whether or not to cover birth control, and some states, like New York. have made a plan to continue making coverage mandatory, the Trump administration has made it painfully clear that women’s health is at the bottom of their priority list.

    Subscribe to Elite Daily’s official newsletter, The Edge. for more stories you don’t want to miss.

    Why Guys Need To Go On More Man Dates


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    Managed Print Services #managed #print #services, #what-is-managed-print-services, #ricoh #toner #cartridge, #what-is-a-print-strategy,


    Managed Print Services

    Why you need Managed Print Services?

    Watch MPS Video

    Benefits of Managed Print Services

    Work with Green Office

    What is Managed Print Service?

    What is a Print Strategy?

    What is a Print Assessment?

    What is Total Cost of Ownership?

    Our clients


    Leaders in cartridges solutions

    Let us collect your cartridges

    Cartridges collections for everyone


    Custom document
    management software


    Empowering people
    through sustainability

    Serving the community

    Get involved

    Green Office News

    Having the right people is key to our success and we are always open to hearing from prospective candidates who may be interested in working for us as part of our proactive recruitment drive.
    If you have the following skills we’d love to hear from you:

    • Sales – account management and business development
    • Business analyst
    • IT
    • Administration
    • Finance
    • Service Technicians who are Ricoh certified with 3 – 5 years’ experience.

    About us

    Green Office is an innovative South African company that has reformed the office environment by pioneering complete document solutions which are customised to our clients unique needs.
    What started as the remanufacture of used printer cartridges in 1997, has now developed into a comprehensive end-to-end solution for the document environment. Green Office:

    • Consult and implement on Business Process and workflow systems to reduce print and increase efficiencies.
    • Manages all aspects of a company’s print environment.
    • Supplies hardware and consumables.
    • Recycles and remanufactures toner printer cartridges.
    • Services and maintains a company’s printing environment.
    • Implements software to help a company manage its print environment solution, saving them the earth.
    • Incorporates all of the above into our own Managed Print Service (MPS) where a company gets all of these great offerings in one solution.

    Our Values

    Contact us


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    How Much Does Life Insurance Cost? Get Average Price #what #is


    Life Insurance Cost

    The first two questions most people ask when they look into life insurance coverage are very often: “How much will it cost?” and “How much do I need?” Life insurance costs can be a challenge to calculate because there are several types of life insurance, including whole life, universal life and term life insurance. The cost of life insurance is unique to each individual and depends on the type of policy you choose, the amount of coverage you want, and factors such as your age and overall health.

    Comparing online life insurance rates can be a good way to get an idea of what you might pay in premiums. But to get a customized plan that fully meets your needs and budget, it is a good idea to work directly with an agent. For detailed answers and a review of your situation, contact an independent agent in the Trusted Choice ® network who specializes in life insurance. An local member agent in your area can help you evaluate your options and provide a customized quote.

    Factors That Affect Your Life Insurance Costs

    • Age: Overall, life insurance rates increase as you age.
    • Health profile: Do you have any chronic conditions? Do you smoke?
    • Gender: Women live longer, statistically, and typically pay lower life insurance costs.
    • Occupation: Receptionist? Machine operator? Sky diving instructor? Yes, it matters.
    • Exams: “No exam” life insurance quotes are available, but are typically more expensive.

    To look at some average life insurance rates, we will review several scenarios. Why? Because the average cost of life insurance for a 30 year old male who smokes is very different from the average cost for a 30 year old female with a clean bill of health. To illustrate the range of costs associated with life insurance, the following section will give some hypothetical scenarios for you to think about before you buy a plan.

    The Average Cost of Whole Life Insurance

    The following average costs were calculated using the following assumptions:

    1. The individuals are a healthy weight and do not live a hazardous lifestyle.
    2. They want $500,000 worth of life insurance.
    3. They want monthly “level pay” (same payments for the duration of the policy).

    The average costs will differ when any of the variables change. For example, a 35 year old female nonsmoker would pay an average of $731.57 if she wanted 1,000,000 worth of whole life insurance or about $188.36 for $250,000 worth of whole life insurance.

    The Average Cost of Term Life Insurance

    The following average costs were calculated using these assumptions:

    1. The individuals are a healthy weight and do not live a hazardous lifestyle.
    2. They want $500,000 worth of life insurance.
    3. They want to pay monthly for a 20-year term policy.

    Again, the average costs will differ when any of these variables change. For example, a 35 year-old female nonsmoker would pay an average of $61 per month for $1,000,000 worth of life insurance with a 20-year term, and $23.90 per month for $250,000 worth of life insurance with a 20-year term.

    Does Life Insurance Cost More in Certain Regions of the U.S.?

    There can be some differences in your life insurance costs, depending upon your state and region. Life insurance companies use “mortality tables” to help predict the benefits they are likely to pay in a given year. Why? Because the amount they collect in premiums must be less than what they pay out in benefits, and these actuarial tables ensure that they will not end up in a deficit.

    Some factors that may be taken into account to calculate your life insurance costs in your region include:

    • Whether there is a high rate of obesity in your state or region
    • If the area experiences a high rate of deadly natural disasters, such as earthquakes
    • If the region is prone to certain diseases, such as black lung disease typical in miners
    • If the state or region has a high mortality rate due to crime
    • How many policies have been written in that area

    Even with these factors taken into consideration, rates do not typically vary significantly from region to region. For example, if you live in an area prone to earthquakes and high crime, your life insurance rates will be affected more by your age and personal health profile than where you choose to live.

    How to Lower Your Life Insurance Costs

    Because health and lifestyle play a key role in determining your life insurance rates, the key things you can do to lower your payments have to do with improving your health and reducing your risk of chronic conditions like diabetes or cancer. Being a non-smoker is perhaps the most critical choice you can make to reduce your life insurance rates, but there are many more things you can do as well.

    • Maintain a healthy weight to reduce the risk of obesity and related chronic conditions.
      • Get a body mass index (BMI) check done
      • If you have a high BMI, work with a health professional to lose excess weight
    • Maintain your heart health to reduce the risk of hypertension, heart attack and stroke.
      • Get an annual physical
      • Regularly check your blood pressure, cholesterol, and triglyceride levels
      • Work with a health professional to improve your numbers, if needed
      • Reduce stress, improve your diet and increase exercise
    • Manage your blood sugar to reduce the risk of diabetes.
      • Request a blood sugar test
      • Obtain a diet and exercise plan to help manage blood sugar levels

    In addition to assessing your overall health, most life insurance companies will also review your risk of death from a high risk sport or work related accident. For this reason, your career choices and the activities you choose to do for fun can also impact your life insurance rates. If you work at a desk job, versus a career as a skydiving instructor, under-water welder or a rodeo clown, you will find that more insurance companies will be willing to insure you at a more affordable rate.

    To get more information on life insurance rates, find an independent agent in the Trusted Choice network today. An agent right in your area can help you evaluate your life insurance options and costs based on your unique circumstances.

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    Clothesline Specialists #dryer #is #not #drying #clothes


    Rotary Clothesline Umbrella Clothesline

    Rotary clotheslines offer you one of the simplest and cheapest ways to dry clothes and laundry outdoors.

    Today rotary clotheslines are available in a range of colors to suit our modern homes, and many models
    are now adjustable in height to allow easy use by users of all heights.

    Looking for a rotary clothesline for a small courtyard, or the largest family laundry needs?

    Rotary Clotheslines

    Retractable Clothesline – Only Seen When Required

    Retractable clotheslines and laundry lines are one of the most popular types of compact clotheslines on the market.

    Need a clothesline or laundry line that is only seen when required? Then a retractable style clothesline is what you should be looking at.

    Retractable clotheslines extend out when required, which make them ideal for many of today s compact living situations.

    Ceiling Clothes Airers Are Great Indoor Dryers

    Ceiling mounted clothes airers have been around for centuries and utilize your homes heating to dry laundry.

    A ceiling mounted clothes airer is a fantastic way to dry your laundry in all weather conditions, plus you also have piece of mind knowing that you are coming home to dry and clean clothes at the end of the day.

    Wall Mount Drying Racks for Small Household Areas

    Wall mounted drying racks are the perfect solution around your home when space is at a premium.

    Then range of wall mounted drying racks available today includes models that are long and narrow and designed for down passage ways and walkways.

    Plus smaller more compact models for use on balconies and terraces and in studio living situations.

    Wall Mounted Drying Racks

    Foldown Drying Racks

    Come and see our brand new range of Hills Supafold Folding Frame Drying Racks and notice the benefits it can bring to the convenience of doing your laundry.

    The latest in Folding Frame models provide the user with saving space around the home, and it s design rids the laundry process of becoming a chore.

    Discover how these drying racks can be installed almost anywhere.

    Drying Racks

    Pulley Clothesline


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    ICEL S #what #is #a #c #o #s


    Questo sito si avvale dell’utilizzo di Cookies per finalit espresse nell’Informativa dei Cookies. Accedendo a qualsiasi elemento del sito acconsenti ad utilizzarli.
    Maggiori Info Ho Capito

    Informativa sull’uso dei cookie

    aggiornata al 23/03/2015

    Questa informativa sull’utilizzo dei cookie sul sito web è resa all’utente in attuazione del provvedimento del Garante per la protezione dei dati personali dell’8 maggio 2014 “Individuazione delle modalità semplificate per l’informativa e l’acquisizione del consenso per l’uso dei cookie” e nel rispetto dell’art. 13 del Codice privacy (D.Lgs. n. 196/2003).

    I tuoi dati personali sono trattati in ogni caso da specifici incaricati di NSI, e non sono comunicati né diffusi.


    I cookie sono stringhe di testo di piccola dimensione che un sito web può inviare, durante la navigazione, al tuo dispositivo (sia esso un pc, un notebook, uno smartphone, un tablet; di norma sono conservati direttamente sul browser utilizzato per la navigazione). Lo stesso sito web che li ha trasmessi, poi può leggere e registrare i cookie che si trovano sullo stesso dispositivo per ottenere informazioni di vario tipo. Quali? Per ogni tipo di cookie c’è un ruolo ben definito.


    Esistono due macro-categorie fondamentali, con caratteristiche diverse: cookie tecnici e cookie di profilazione .

    I cookie tecnici sono generalmente necessari per il corretto funzionamento del sito web e per permettere la navigazione; senza di essi potresti non essere in grado di visualizzare correttamente le pagine oppure di utilizzare alcuni servizi. Per esempio, un cookie tecnico è indispensabile per mantenere l’utente collegato durante tutta la visita a un sito web, oppure per memorizzare le impostazioni della lingua, della visualizzazione, e così via. I cookie tecnici sono quelli utilizzati al solo fine di “effettuare la trasmissione di una comunicazione su una rete di comunicazione elettronica, o nella misura strettamente necessaria al fornitore di un servizio della società di informazione esplicitamente richiesto dall’abbonato o dall’utente a erogare tale servizio” (art. 122, I comma, Codice della Privacy ).

    I cookie tecnici possono essere ulteriormente distinti in:

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    Cookie Analytics. assimilati ai cookie tecnici solo laddove utilizzati direttamente dal gestore del sito per raccogliere informazioni, in forma aggregata, sul numero degli utenti e su come questi visitano il sito stesso. Per intenderci, come quelli che rilascia

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    I cookie di profilazione sono più sofisticati!
    Questi cookie hanno il compito di profilare l’utente e vengono utilizzati al fine di inviare messaggi pubblicitari in linea con le preferenze manifestate dallo stesso durante la sua navigazione.

    I cookie possono, ancora, essere classificati come:

    Cookie di Sessione. i quali vengono cancellati immediatamente alla chiusura del browser di navigazione;

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    Cookie di Prima Parte (first-part cookie ) ossia cookie generati e gestiti direttamente dal soggetto gestore del sito web sul quale l’utente sta navigando.

    Cookie di Terza Parte (third-part cookie ). i quali sono generati e gestiti da soggetti diversi dal gestore del sito web sul quale l’utente sta navigando (in forza, di regola, di un contratto tra il titolare del sito web e la terza parte). Più precisamente nel corso della navigazione sul sito, l’utente potrebbe ricevere sul suo terminale anche cookie di siti o di web server diversi, che sono impostati direttamente da gestori di siti web o servers diversi dal sito. Questi cookie possono essere inviati al browser dell’utente da società terze direttamente dai loro siti web, cui è possibile accedere navigando dal sito. In tali casi, il gestore di questo sito è estraneo alla operatività di tali cookie, il cui invio rientra nella responsabilità di tali società terze. Si tratta di parti della pagina visitata generate direttamente dai suddetti siti ed integrati nella pagina del sito ospitante. L’utilizzo più comune dei social plugin è finalizzato alla condivisione dei contenuti sui social network.

    La presenza di questi plugin comporta la trasmissione di cookie da e verso tutti i siti gestiti da terze parti. La gestione delle informazioni raccolte da “terze parti” è disciplinata dalle relative informative cui si prega di fare riferimento.


    Utilizziamo cookie tecnici, finalizzati a garantire il corretto funzionamento del nostro sito, senza dei quali la tua esperienza di navigazione non sarebbe gradevole. Per migliorare il nostro sito e comprendere quali parti o elementi siano maggiormente apprezzati dagli utenti utilizziamo anche, come strumento di analisi anonima e aggregata, un cookie di terza parte, ossia Google Analytics. Questo cookie non è uno strumento di nostra titolarità, per maggiori informazioni, pertanto, è possibile consultare l’informativa fornita da Google al seguente indirizzo:

    Se preferisci che Google Analytics non utilizzi i dati raccolti in nessun modo puoi:

    Utilizzare la navigazione anonima (opzione Do Not Track) del tuo browser. Per sapere come attivare l’opzione sui principali motori di ricerca clicca sul browser che usi Internet Explorer, Google Chrome, Mozilla Firefox, Apple Safari.

    Scegliere di disattivare Google Analytics installando sul tuo browser il componente aggiuntivo per la disattivazione. Clicca qui per scaricarlo

    I cookie tecnici e gli analytics sono gli unici cookie che usiamo per rendere la tua navigazione piacevole.

    Non utilizziamo invece cookie di profilazione.


    In questo sito utilizziamo i seguenti cookie tecnici di prima parte

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    Gap insurance explained #what #is #gap #insurance #for #cars


    Gap insurance explained

    Gap insurance explained

    Already understand Gap insurance and are ready to make a purchase? See buying Gap insurance. Want to know how to make a Gap insurance claim? See claiming on your Gap insurance .

    What is Gap insurance?

    Having your car stolen or written-off can be worrying enough without having to grapple with your insurer over your claim.

    Worse still, with insurers usually paying out the current market value of your vehicle – not the price you paid for it – you can find yourself out of pocket, especially if your car was brand new.

    Guaranteed Asset Protection, more commonly called Gap insurance, is designed to work alongside comprehensive car insurance to help you cover the shortfall.

    There are many different types of Gap insurance, ranging from products that help you get back what you paid for your car, to those that help you pay off any outstanding loans on the vehicle.

    What are the different types of Gap insurance?

    The Gap insurance market can be complex, with different providers offering their own unique products. Some of the most common policies are listed below.

    Finance Gap insurance

    One of the most basic products on the market, finance Gap insurance helps you pay off any outstanding loans on your car if it’s written-off.

    Return to invoice Gap insurance

    Return to invoice Gap insurance tops up the claims payout from your car insurer to the amount you bought the vehicle for. Many providers offer finance Gap insurance as part of this product, to also cover the cost of borrowing.

    Vehicle replacement Gap insurance

    Rather than helping you reach the amount you paid for the car, vehicle replacement Gap insurance bridges the distance between your car insurance payout and the cost of replacing your vehicle with a new one. Many providers offer finance Gap insurance as part of this product, to also cover the cost of borrowing.

    Return to value Gap insurance

    Return to value Gap is similar to return to invoice Gap insurance, but instead of helping you get exactly what you paid for the car, it pays the difference between your car insurance settlement and the value of the vehicle when it was first purchased. This could prove useful if you bought the car second hand, or you have had the vehicle for a long time.

    Lease Gap insurance

    If you leased your car rather than buying it outright, lease Gap insurance helps you pay the rest of your contract and any fees that may apply for cancelling your lending agreement early.


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    Wire Size and Breakers #which #wire #is #hot


    Wire Size and Breakers

    Residential electrical wiring can be confusing at the best of times. The size of the electrical service coming into the home and how to take that service and deliver the various power requirement through-out the home, can be a complex exercise.

    Power is supplied to your home, from the utility, in the form of volts and amps. The amount of power that the utility provides is governed by the transformer on the pole, as shown in Figure 1, or the transformer that is mounted on the ground, as shown in Figure 2, that services your home and the size of the wires from that transformer to your home.

    Figure 1 – Typical residential overhead electrical service

    Figure 2 – Ground or pad mounted residential electrical service

    For explanation purposes we will use 120 and 240 VAC as the voltage. 120 240 are nominal numbers and can vary from 110 to 120 and 205 to 240 depending on the utility.

    Utilities can drop power into your home using copper or aluminum wiring. However, there is a difference to the current carrying capability of copper versus aluminum.

    Because of our ever increasing demand for electrical power in out homes, most new homes are being built with a minimum of a 150 Amp service and 200 is not uncommon. Many older homes still have 60 amp services and in rural locations it is still possible to find 30 amp services.

    It is important to understand the relationship between wire gauge and amperage. To do this we will look at the original fuse. The original fuse was a piece of wire sized to melt when a specific amount of amps (current) was going through it, as shown in Figure 3.

    Figure 3 – The fuse element, on the left of the picture, is what is inside the cartridge. The thinner the link between the caps the less amount of current (amps) that the link can handle before it melts, due to the heat.

    A piece of wire gets hot as it carries the current to your home or throughout your home. This is why a toaster, stove or hotplate works, current is sent through the wires and they get hot. The thinner the wire the hotter it gets when a specific amount of amps are flowing through it.

    Circuit breakers (Figure 4) perform the same function although they work in a different manner. They work in a similar manner to a thermostat. As current flows through the breaker, a piece of metal warms and bends, when the bend reaches a point it mechanically trips the breaker to the TRIPPED position, which is between the OFF and ON positions.

    Figure 4 – Circuit breaker

    It may be noted that although circuit breakers are more convenient than fuses because they can be reset. Fuses react much faster to overloads and hence shut down a circuit faster than breakers do.

    Wire is manufactured to a specific group of sizes that are designated by numbers known as gauges. The gauge of the wires that carry the power from the transformer to your home and within your home are chosen in size to ensure that they do not overheat at their rated amperage. In fact, there should be no noticeable heat on the wires at any time.

    So you might think that you can obtain more power from your utility just by increasing the size of the main fuses or breakers, and you probably can, to a point. At some point, the wires that run from the transformer to your home will act as a fuse and burn out from carrying more current than specified.

    Table 1 – Service Wire Gauge Versus Amperage

    * If you have aluminum wiring then the gauge should go up one level. As an example; for a 15 amp circuit using aluminum wire the correct wire gauge is 12.

    ** More and more new homes are being wired with a minimum of 20 amp circuits for general receptacles and lighting applications.

    Choosing the correct wire gauge within your home, wires that run from the electrical distribution panel (load center) to various appliances, and electrical outlets (receptacles) is crucial. You do not want the wire to act as a fuse and burn should a short circuit occur.

    Table 3 provides the correct gauge of wire for electrical circuits in your home depending on the rated load.

    Martin County: (772) 214-9929 Broward/Palm Beach Counties: (954) 340-6615


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    Air Ambulance by Air Trek, Inc #air #ambulance, #airambulance, #air #ambulance


    Air Trek Air Ambulance, one of the Nation s oldest air ambulance services, is a family owned and operated air medical program who has been providing aeromedical transportation service since 1978.

    We are dedicated to providing top quality medical transportation service to our patients. We work with registered nurses, paramedics, surgeons, physicians, doctors, respiratory therapists and other medical professionals worldwide to ensure the best Air ambulance charter possible.

    All air ambulance professionals are specially trained in flight physiology. This means they are uniquely qualified to handle special situations that arise at altitude.

    Whether Air Trek Air Ambulance provides medical air transportation on our own aircraft, repatriation, medevac or scheduled commercial airline medical escort service, you can be assured that our response will be the same: top quality professional care.

    Air Trek has our own FAA Air Carrier Certificate (Part 135) allowing us to operate within the entire Western Hemisphere, including Cuba. We are headquartered in Florida, just minutes from Naples, Tampa, Orlando and The Villages outside Ocala FL, but our routine response areas include The United States (USA) Canada; Mexico; the Caribbean; North, Central and South America. Worldwide service is provided through strategic partnerships with air carriers throughout the world.

    Our entire fleet of air ambulance aircraft (Citation jets and Cessna pressurized twin-engine propeller aircraft) is fully licensed, inspected, insured and equipped with the most up-to-date medical equipment. All aircraft provide Basic Life Support (BLS) and Advanced Cardiac Life Support (ACLS). The fleet has the range and flexibility to provide everything from emergency international medical evacuation to a trip home for a critical care patient to see family.

    Air Trek Air Ambulance can also coordinate the ground transportation before and after the air ambulance portion of the transport, providing bedside to bedside service.

    Air Trek s Mission Statement:

    The mission for Air Trek is to provide our patients with high quality, cost effective, domestic and international, aeromedical transportation aboard advanced life support equipped jet and pressurized twin engine aircraft

    Your staff in the office were very pleasant to work with, organization, coordination and communication exceptional. Thank you so much for making my job easier and taking some of the worry and stress out of this type of transfer. You guys are great to work with. I will probably not work with anyone else in the future.

    Case Manager
    Fort Myers, FL

    Very, very professional and made transition easy for patient and family in spite of the circumstances.

    From the start of the process to get my dad home, the whole organization at Air Trek was superb! Thank You All BIG!!

    Family Member
    Hartford, CT

    Just writing to say thanks. You recently transported my father from Florida to NY. He had advanced aortic stenosis and heart failure. I am a board certified practicing emergency physician and medical director for Vermonts’ largest EMS district. I flew down from Burlington, Vermont to be with my father while he was transported from a hospital in Florida to a higher level of care in NY. Needless to say, I was watching the crew like a hawk, and the report is two thumbs up. The paramedic and respiratory therapist (Chad and David) were professional, competent, and extremely kind to my father. I was glad I did not get to see any of their ACLS skills in action, but I’m sure they would have been on their game if need be. Thank you for the excellent service.

    Family Member
    New York

    As you know from working with us in advance and greeting us the night of flight arrival, one of your flight crews transported an elderly family member from PA to Punta Gorda to avoid the grueling relocation in a handicapped wheelchair accessible minivan. The concept of using your service was recommended to us by close friends although we did not think this service was feasible for our needs.

    When you made me aware of the possible flight availability for Friday, August 19, 2011, I initially dismissed it as not possible due to logistics, etc. After thinking about the convenience and less stressed way to move an elderly person that is not mobile, we decided it was a great idea. Although I still did not think it was feasible, your team (ground and aircrew) exceeded any and all of our expectations. Not only did your flight crew arrive on time in Punta Gorda, but your ground staff made all arrangements for non-emergency van transport at source (from PA to WV airport) and from Punta Gorda airport to local care facility. We know that is what you do all the time but your staff did it seamlessly and even worked in a few efficiency increasing modifications as the day of flight unfolded. We want to thank Stephanie Griffith (pre-flight arrangements coordinator) and Joy (gave frequent updates the day of the flight) for their patient assistance. Although we assume they have other responsibilities in their work, it seemed as if they were working for us and us alone.

    From our experience with Air Trek, we can highly recommend their service to anyone needing transportation for sick or elderly folks who cannot readily travel easily by care or commercial airlines. Because we know that selection of an air transport firm is not taken lightly, please feel free to use this letter in your list of recommendations for prospective clients wanting a higher comfort level before making a final decision in this area.

    Family Member

    I thought your service was exceptional! Very professional, don’t change a thing.

    Family Member
    Chicago, IL

    On March 10th 2014, you flew my father back from Sanford FL to Pennridge Airport in Perkasie, Pennsylvania.

    As a family we wanted to thank you for bringing our father and mother back to PA safely. Personally I want to thank you for all of the support and direction that your people were able to provide to me while working to coordinate Dad’s move. From the very first contact with your company, everyone that I dealt with was highly professional and courteous.

    When the day of the move came, the constant updates from you were reassuring and helpful, especially the notifications of inflight progress. Upon landing the flight crew was very courteous and professional as well.

    A sincere thank you, for a job well done.

    Family Member
    Perkasie, PA

    Miss Joy was a true blessing. Fantastic – Wonderful peace of mind to know everything was so well planned out. 5 Stars & 2 thumbs up (a third if I had it). First rate. Worth every dollar to know Dad was so well taken care of! Our family was blessed by the Air Trek team! Thank you! An outstanding experince, but I hope we never need to use you again 🙂 If anyone asks, I would highly recommend! Thanks for everything! Peace and Blessings to you all!

    Family Member
    Peoria, IL

    Above and beyond expectations! The quality of service was beyond our expectations. Earl is still telling everyone about his trip and the care & service he received. He can’t belive he is home and we can’t thank you enough for everything!

    Family Member
    Trenton, NJ

    The entire process was flawless. You made a difficult & stressful situation a pleasure right. Rich, Tom, David & Jeremiah were great! Thank you so much!

    Family Member
    Pittsburgh, PA

    Both medical attendants were outstanding and very knowledgeable. They made the flight go faster.

    Louisville, KY


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    Washington State Department of Commerce, what is the capital of washington


    what is the capital of washington state

    What is the capital of washington state

    The Department of Commerce offers many different types of funding. Find out which grants and loans are open for applications right now, and learn more about what types of grants and loans are available.

    Local Government Portal

    What is the capital of washington state

    Commerce is the one agency in state government built to understand and support the diverse needs of local leaders in cities, towns and counties across the state. From planning and public works to economic development and energy, our people and programs are at your side.

    Latest News

    What is the capital of washington state

    State funds efforts to help homeless schoolchildren, families

    More than $1.5 million in grants awarded for Homeless Student Stability programs across the state

    What is the capital of washington state

    State Community Economic Revitalization Board invests $2.5 million in infrastructure projects

    Grants and low-interest loans will support economic development in Douglas, Franklin, Jefferson, Pacific, Skagit, Snohomish counties OLYMPIA, WA – The

    What is the capital of washington state

    Washington is America s Top State for Business in 2017

    In case you missed it, Washington state jumped into the top spot in the annual CNBC Top States for Business rankings today.

    What is the capital of washington state

    Southeast Washington Coalition receives 2017 Governor’s Smart Community Award

    Commerce today presented on behalf of Governor Jay Inslee a 2017 Smart Communities award to the Southeast Washington Coalition consisting of Columbia, Asotin and Garfield counties and the cities of Clarkston and Starbuck for their regional growth management master program update.

    What is the capital of washington state

    Wilcox Family Farms taps state Work Start grant to keep pace with growth

    Commerce awards funding for training, technical assistance to create 20 new full-time jobs over the next three years in rural

    What is the capital of washington state

    State companies enter deals, key relationships at Paris Air Show

    Nearly 300 meetings yield new contracts, propel business dealings, attract investment for state’s aerospace and commercial space industries.

    What is the capital of washington state

    Commerce awards $2.3 million for clean energy research and development

    Impact Bioenergy, Janicki Bioenergy, Oscilla Power, SuperCritical Technologies and Zunum Aero selected for latest round of Washington State Clean Energy

    What is the capital of washington state

    Commerce to sign agreement with Niedersachsen Ministry during Paris Air Show trip

    U.S. Rep. Rick Larsen, Commerce Director Brian Bonlender co-host Washington state’s 70+-member delegation – the largest ever – to the

    What is the capital of washington state

    Commerce awards $11.8 million for local energy efficiency and solar projects

    Grants will lower energy costs in public buildings and create an estimated 514 jobs in communities across Washington state OLYMPIA,

    What is the capital of washington state

    Commerce selects Disability Rights Washington to provide new state ombuds services

    Commerce has awarded Disability Rights Washington the contract to provide ombuds services for the new Washington Developmental Disabilities Ombuds program.


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    Title Reps: Marketing Rep vs Sales Rep – My Title Guy


    Title Reps: Marketing Rep vs Sales Rep

    Marketing Rep VS Sales Rep

    If you are a real estate agent in the Phoenix Metro area you have been contacted by one of US . US is the marketing rep or the sales rep from your local title company, collectively called title reps . We call you, email you, send direct mail correspondence, pop bye unannounced, speak at your sales meetings, feed you, take you to basketball, football and other events for one reason: we wan t you to use our title company.

    While you may know us as title reps, there are actually two different kinds of US , the marketing rep and the sales rep. Let s take this post to examine the features and benefits of both of US so you know which one you should be looking to for help in your Arizona real estate business.

    Title Reps: The Marketing Rep

    The title company marketing rep does just that marketing . He or she pops by with food and speaks at your office meetings. They bring donuts, bagels, pizza, sandwiches, soda and company branded water bottles. They always have something to market the title company they work for, usually company branded. Branded postcards, flyers, rate schedules, electric fans, pads, pens, stickies, screwdriver sets, desk calendars, calculators, jar openers, coffee mugs, fly swatters, buyers and sellers books, leather embossed binders and more.

    This position typically exists to make real estate agents aware of their title companies existence, so marketing reps love to talk about their title company. Spend any significant time with one of them and they will likely move the conversation towards their escrow officers. You will hear adjectives like good, responsive, communicates often, listens well and others. The marketing rep always has the best escrow officers or so they will say. They have to, there is really not much more to talk about. Have a bad experience with one of the great escrow officers of a marketing rep and you will certainly get a call from said marketing rep promising a better experience with [wait for it] an even better escrow officer .

    The marketing rep is an asset to your real estate business if you know exactly what you want or need. Postcards, flyers, door hangers, labels, lists, geographic farm kits, listing kits, the marketing rep can get you any or all of them.

    Title Reps: The Sales Rep

    While there are plenty of marketing reps in the Phoenix Metro area, there are few SALES REPS. If marketing reps exist to market a title company, sales reps exist to help real estate agents increase their sales. Sales reps talk too but they do it differently, by asking questions. Instead of talking about their fantastic escrow officers, or how awesome their title company is [things that are not tangible and cannot be measured] a sales rep will ask about your real estate business: are you primarily a listing agent or a buyers agent? Where is your market area Who is your ideal client? If you could work any area in the valley, where would it be and why? Do you have a website? What are your keywords? How can I find you online if I don t know your name? What are your monthly expenses, how many deals do you need to close in order to pay your bills, taxes and invest in your real estate business? The sales rep will sit down with you, ask questions and help you devise a plan to grow your real estate business. But not over lunch, like a top producing real estate agent, the sales rep is too busy for lunch. Coffee? Maybe.

    Title Reps: Which Do You Need?

    While the marketing rep is an asset to your real estate business if you know what you want or need, the sales rep is an asset to your real estate business if you don t. The sales rep will discuss emerging real estate marketing methods like WordPress, Content Marketing, Craigslist, Indexable IDX, Video, Video Optimization, Facebook, Twitter, Linkedin, StumbleUpon, Pinterest and HOW to tie them all together [HUB Marketing ] to drive your ideal client to your real estate website where they can learn more about you, your value and expertise.

    The sales rep does not just talk about new marketing techniques, they live them. It would not be uncommon to see a top sales rep rank on the 1st page of Google and/or YouTube for search terms like title company marketing. qualities of a good real estate agent. real estate video marketing. subdivision marketing plan. real estate agent marketing ideas. title company marketing rep or even helping their real estate clients create, edit, optimize and syndicate full HD [1080p] real estate marketing videos. I ve heard a rumor that one of the sales reps in the Phoenix Metro area even co founded a real estate marketing company and has their own Indexable IDX for WordPress. [but I think that is just a rumor]. I mean, no way a sales rep has an indexable IDX [that supports video] or co founded a real estate marketing company. NO WAY!

    Both the marketing rep and the sales rep serve a valuable purpose in the Arizona real estate space. If you know exactly what you want you can get it from the marketing rep, simply ask and it will usually arrive in 24 to 48 hours. The marketing rep is where you go for the standard real estate marketing tools, the cold call lists, flyers, JUMBO postcards, email blasts, print newsletters, ya know, the things that you hate done to you that you somehow think will work to grow your own real estate business.

    So, now that you know about the two types of title reps in Arizona, which one do you think would benefit your Arizona real estate business the most? If your answer was Sales Rep, please fill out the form below.

    Hi I’m Stephen Garner, I’m just a guy in the title industry trying to change how real estate agents market themselves and their services. To that end, I teach my clients HOW TO leverage sales technologies like WordPress, Content, Video, Camtasia, Final Cut X, iMovie and indexable IDX solutions to convey value and help your ideal client find you online when they are most interested in learning about you and your services. I work for escrows. Hire me!

    Related Posts:

    Great post, Stephen. It is very true and the days of dropping off calendars won t do anything well, they never did anyway. Thanks for all your hard work Stephen Garner

    No, thank you Blair. I am excited for your future now that you have a dedicated site, are learning how to use video and are speaking your mind. I bet people will naturally gravitate to your honesty and sarcasm. Here is to a great 2012 and beyond.


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    Refinancing an Investment Property, Investment Home Refinance Tips, Total Mortgage, is


    Refinancing Your Investment Property

    With interest rates as low as they are, now is a great time to look into refinancing even if your property happens to be an investment property.

    For most people, the goal of a refinance is to lower their monthly payment. That s nice for occupying homeowners, but it s extra nice for real estate investors keeping an eye on their bottom line, since they can continue to charge market value rent while chipping away at their own monthly costs.

    That being said, there are still some differences between refinancing a primary residence and one you rent out.

    LTV Requirements

    LTV stands for loan to value ratio, which means exactly what it sounds like. The higher the percentage, the closer your loan amount is to the appraised value of your property.

    Of course, the higher that percentage, the less equity you have built up in your property, which often makes you seem like a greater risk to a lender. For this reason, most lenders prefer investment properties to have an LTV of 75%, or even lower in certain situations. For instance:

    Rate Term Refinance

    Interest Rates

    In case you haven t already guessed, lenders consider investment properties riskier than primary residences. It makes sense when you think about it if you re running low on cash, which mortgage payment are you more likely to make, your family home or your rental property?

    Lenders take this risk factor into consideration when they do the math on your interest rate. Often, the rate they offer for your refinance will actually be around .5% higher than it might be for a primary residence. However, this will vary from lender to lender.

    Other Requirements

    If you ve already gotten a mortgage, then you already know what sort of documents and information will be required of you during a refinance. They include:

    • Proof of income
    • Copies of your tax information
    • Proof of homeowner s insurance
    • Documentation of investments and savings
    • A current credit score (aim for over a 660)

    Some lenders may have other requirements, like six months or more of mortgage payments already in the bank and documentation that proves rental income. Also be prepared for a higher appraisal fee.

    Is a Cash Out Refinance Right for You?

    For those looking to free up money to invest in more properties, a cash-out refinance might be worth considering. It s pretty much exactly what it sounds like instead of refinancing into a loan for the same amount, you refinance into a slightly larger loan, tapping into your equity and turning it liquid.

    This is only an option for owners with significant equity already built up in their property, but done correctly, it can be a smart way to get the cash you need to invest.

    To take a peek at current interest rates, visit our Mortgage Rates. If you have any questions or if you re ready for a quote give us a call.

    Is it worth refinancing

    185 Plains Road – 3rd Floor – Milford, CT 06461


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    Is it possible to book a cheap flight the same day

    #book a flight cheap

    is it possible to book a cheap flight the same day you want to leave?

    Isn’t this called flying standby. I’ve never done it before but I’m pretty sure this is what stand-by is.

    Standby is when you have an existing ticket for a different flight and then go to the gate of an earlier one so you can try to take any of their extra spots.

    You might want to try and Priceline?

    Standby is when you have an existing ticket for a different flight and then go to the gate of an earlier one so you can try to take any of their extra spots.

    No, you can fly standby by having a cheaper, standby ticket, where you turn up for your booked flight but only get on if there are spaces not taken by passengers with regular tickets. If there aren’t spaces, you are bumped to the next flight and the same thing happens again.

    Flying standby is an option. I’ve noticed you can sometimes get cheap last minute flights as airlines hate flying with empty seats, but with the whole American Airlines craziness going on at the moment I imagine every other airline is nicely full up and isn’t going to drop seat prices when they can get all the paniced AA customers who missed flights business.

    posted by wwax at 8:24 AM on October 11, 2012

    Ah, my bad.

    Poster, please be aware – as I recently wasn’t – that airlines have a window before the flight where they won’t sell you tickets, for security reasons. When it came up, I was told 4 hours online, 2 hours in the airport, but I can’t find good documentation online – I would confirm with your intended airline as one of your pre-planning steps, here.

    Yes, it is possible if the flight is quite empty and/or there is competition on the route. Otherwise, the last seats on the plane are generally expensive because they are catering to walk ons like you. The block of cheaper ones have typically been sold earlier – either very early on or in demand-based promotional activity designed to shift seats on a low-demand flight. Most airlines are – it goes without saying – good at optimising revenue per passenger or they tend to go out of business.

    This is not the same as flying standby, which basically is the airline retaining the option to bump you off a full flight and onto a later one with availability.

    posted by MuffinMan at 8:27 AM on October 11, 2012

    Technically, about 24 hours before a flight, the seats get released and then are in control of the online system and the gate agent system. So you can’t get same-day flights on the phone, usually, or you can, for a crazy price, but you CAN get them online but, most easily, at the airport. It’s a crapshoot! Often you won’t see a price drop same-day online, but you might improve at the airport. (Just checked AA’s prices to Miami from NYC for today online; not great at all.) Or not!

    Airlines don’t want to fly empty seats, but they also don’t want to set precedent where people wait until the very last minute to get a cheap seat.

    Also, the funeral and medical emergencies crowd pay top dollar for last minute seats.

    Orbitz right now show tix at $310 one way, from LaGuardia to SFO. That’s as good as you’re going to get.

    I checked Priceline and US Airways has a round trip, returning a week from now, and it’s $675 RT, with a return next Thursday.

    C’mon, that’s pretty damn good.

    You want to search for Last minute airfare.

    There are more if you Google. Looks like you can fly tomorrow into San Jose for $295.

    Also, weekends are the best time to look for these kinds of deals, since business travelers tend to fill up the weekday travel slots.

    We took our first anniversary trip via a last minute airfare. Just decided to wait and see what was cheap that weekend and boom, off we went.

    Historically same day flights are the most expensive as the airlines know you want to fly. In business class their was a riddle; What’s the only thing that gets more expensive the closer it gets to its expiry date? An airline ticket.

    My intro to econ prof also mentioned this. He said that he doesn’t understand why airlines don’t have an auction / standby section at the gate when flights leave. If there are free seats, whoever wants to pay the most get to go (this was in the days before Crazy Security).

    But airlines don’t have that infrastructure, so I think the short answer is you gotta be bffs with a flight attendant . OTOH, kayak is showing $300 standby tickets for 4:25pm from jfk (the time is now 2:32) with one stop in philly. That seems pretty reasonable to me.


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    Is Travel to China Safe? #cheapest #hotel #prices

    #travel safe

    Is Travel to China Safe?

    (Photo: china image by Luisafer from )

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    China is a fascinating and diverse country that welcomes more than 100 million tourists a year and lays claims to being the fourth most popular destination in the world. Its economy has been booming for years and its interest to the outside world, heightened by the Summer Olympics of 2008, appears to be increasing as well. While there are precautions one should take when traveling to and around China, it is generally a safe country to visit.


    Unlike much of the world, China s economy has been thriving in recent years and the country boasts the fourth-highest gross domestic product (GDP) in the world. Jobless and homeless rates are relatively low, which translates to a low crime rate as well. You hear about the occasional pickpocketing, but violence, particularly targeted against foreigners, is very rare.

    Street Safety

    Awareness is perhaps the most important safety precaution you can take when visiting China. It s not uncommon to have someone make an attempt at your wallet or camera if they re easily accessible. Since you ll frequently find yourself in the middle of a crowd of people bumping up against you, always make sure your valuables are well-protected. Avoid carrying a wad of cash or your wallet in your back pocket. Keep things where you can either see them or keep a hand on them. Also keep your belongings with you at all times. If an item is left unattended, it could be snatched up before you realize it.

    Business Scams

    Scams are a huge concern in China, since there are countless Chinese businesses that exist to make money illegally through counterfeiting and deceit. Know that just about all supposedly brand-name items for sale in small shops or on the streets are not the real deal. Also assume that the first price a shop owner throws out is way above what he s willing to sell the item for. Everybody bargains, so be prepared to do so. Take small bills with you when shopping, since having exact amounts helps. If you re worried about not recognizing a scam, shop only in larger stores and malls where everything has a price tag and bargaining isn t allowed. Be wary of people who approach you on the street. Many con artists offer one thing, such as a place for tea or a look at an art show, but then try to trick you out of your money.

    Counterfeit money also is not uncommon–you ll notice taxi drivers and shopkeepers will almost always scrutinize the money you hand them before accepting it. All the bills except the one yuan note have metal ribbons from top to bottom, a little left of center. These should be visible as a silver line on the front of a shadow when looked at from the back. Also, the flower design near the middle of each note and Chairman Mao s jacket image are textured, so you should feel some slight bumpiness when running your finger over them.


    Contrary to how Chinese are so often portrayed in martial arts films, they are actually a peaceful people, typically aggressive only in business dealings. The majority of people you meet will most likely be genuinely interested in getting to know you and even practicing their English with you. Don t let stereotypes get in the way of enjoying the Chinese people and their country.


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    Cheap Trips is a Scam, Review 5376 #europe #train #travel

    #cheap trips

    Cheap Trips is a Scam!

    You’re not the only idiot. Not only did I buy a membership, I also fell for the misrepresented ‘Vacation Club’ package. I on the other hand cannot reach them by phone because they’re toll free numbers are not available in my area (Canada), which makes it impossible for me to book they’re services by phone.

    Following is they’re refund policy.

    My complaint with cheaptrips is this, for over a week I have received numerous phone calls asking for someone named Cherise. After the first couple of calls I politely told the man on the phone he had the wrong number, AGAIN, and I wanted to stop receiving calls for this unknown Cherise. He assured me my number would be removed from his list.

    I thought it must be a credit company trying to hound this woman. I also thought that would be the end of it.

    However the number of calls has increased. I tell every caller they have the wrong number. I don’t know Cherise. She cannot be reached at my number.

    Earlier today I got another call, this time identifying the caller as being from CheapTrip. I didn’t even bother to speak, just hung up.

    A few minutes ago the phone rang again and a man again asked for Cherise. I asked him who he represented and he said CheapTrip. I explained that I had been receiving calls for this Cherise person for at least a week and I was tired of it. I wanted them to stop calling my number.

    The man then proceeded to argue with me that I was wrong, that it must be someone else who has been calling for Cherise, and that CheapTrip had never called my number. As though Cherise is such a common name that he and ALL the other callers, unconnected with Cheaptrip according to him, had coincidentally called MY number looking for someone with her name. Yea, right.

    What I want to do now is to contact someone in their corporate office, if there is such a thing, so that I can register a complaint about this particular salesman. You don’t call total strangers and then accuse them of lying because they ask you not to call their number again. I’m fed up with trying to be polite with these people. I want to know how to get my number off their stupid list AND who I can complain to about this .

    Can anyone help me with the current address/phone number. Or better yet is there an agency that handles consumer complaints like this?


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    Laser Eye Surgery, Laser Eye Treatment, Lasik Surgery, Vision Correction –


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    Find Water Leaks with Thermal Imaging, Acoustics and Tracer Gas #water


    Leak Detecting Services

    How to Find a Water Leak

    Our highly trained engineers at L.D.S. Leak Detection Specialists Ltd. will choose the approriate testing and inspection process specifically chosen to suit your home or commercial business to find the leak.

    Our engineers at L.D.S. carry all the latest technology in leakage detection. We have listed the main Leak detection methods and equipment below. Inspection cameras. Protimeter mms damp meter survey kits, pressure gauges both hydraulic and digital and salts diagnostic kits also form part of the L.D.S. engineers equipment.

    Leak Detection Methods to Find A Leak

    Acoustic profiling uses ground and pipe sensitive microphones to enhance the sound of the leak. This method can help in pinpointing precise leak location.

    Is a way of finding and pinpointing leaks in water pipes. A leak in a pipe under pressure creates noise that travels through the pipe walls, the surrounding ground and along the contents of the pipe. Correlators are a very accurate sound testing device which are used to identify the acoustic frequency caused when a pipe is leaking. The correlator uses two identical sensors located along the pipe to calculate the leek location by logging the signal delay, sensor distance and the sound velocity.

    Tracer Gas
    The trace gas, a safe mixture of hydrogen and nitrogen, is introduced into the pipe with the suspected leak. The gas, is the lightest in the atmosphere and is made up of of small molecules. The gas will exit at the leak and make its way to the surface where it is detected using gas sensitive detection pobes.

    Thermal Imaging
    Thermography is the use of an infrared imaging and measurement camera to see and measure thermal energy emitted from an object. Thermography cameras can identify problem areas that can’t be seen with the naked eye, detecting hidden water leaks. The infrared inspection camera can detect not only hidden water leaks and their origin, but also moisture that cannot be physically reached with moisture meters. Read more

    Pipe, Cable and Metal Detection and Tracing
    Often the exact position of pipes and cables is unknown due to innacurate or non existant network plans. In order to carry out precise water leak detection and to avoid damage to utilities and operators during excavations, it is essential to know the precise position of all services. We use high performance equipment which can locate and trace buried pipes and cables.

    Network Monitoring with Noise Loggers
    Noise Loggers are used for early detection of leaks in water supply networks.The longer it takes to identify that a network is leaking the more revenue is lost and the greater the loss of precious water resources. In addition to the more conventional methods of leak detection the installation of permanent noise loggers has proved to be a cost effective tool in early identification of water loss. By permanently monitoring sections of the system, which have previously been proven leak free, it will alert you when a potential leak does develop. Read more .



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    Argentina is Cheap Again (If You Follow This Advice) #freedom #travel

    #cheapest way to travel

    Argentina is Cheap Again (If You Follow This Advice)

    When I put out the first edition of The World s Cheapest Destinations at the end of 2002, Argentina was one of the best travel values in the world and it stayed that way for quite a while. Reeling for a huge banking collapse and currency crisis, the local peso went from parity to the dollar to a rate of three to the dollar when the dust settled, without any change in prices.

    After a while though, even though the exchange rate kept widening, inflation galloped even faster. As tourism picked up and hotels were able to fill their rooms, rates for those went up as well. With an inefficient and pricey airline system, combined with very long distances for buses, eventually Argentina drifted out of budget travel territory and I had to drop it from the book when doing updates.

    This is a country that can t get out of its own way though and you can almost bet money that every 10 years they re going to be in trouble again. That time is now. They have defaulted on debt. robbed the public pensions, strangled international business, and practically outlawed a whole range of imported goods. It keeps getting messier and nothing is working as intended though.

    Another Collapse, but When?

    The prevailing wisdom from people who live there is that one of two things will happen before the next election at the end of 2015.

    1) The government and economy will collapse, the opposition will come in and make rescue moves, and in a few years they ll get all the credit for the turnaround. The current government won t regain power.

    2) The current government will somehow keep limping along and will stay in power long enough to hand the whole mess off to the opposition, then the old guard can blame the whole mess on the opposition since it will take a while to turn things around. Then eventually the pendulum will swing and they ll be back in power.

    Either way, few are predicting good news on the horizon anytime soon. There are so many red flags right now that it s hard to see anything positive to point to.

    There s one big red flag though that s really a gold one for travelers: a dual exchange rate for those with dollars.

    Official Rate vs. Blue Rate

    Nobody wants to call the real exchange rate a black market rate, so they re calling it a blue rate to make it sound prettier. The official rate is a little more than 8 to the dollar. The real rate you ll get on the street is more than 15. This rate is so open that it s printed in the newspaper and you can look it up online each day.

    What this means for you the traveler is this: cash is king. Forget the ATM, forget using your credit card. For both of those you re going to get the lousy official rate. You can almost double your spending power by bringing cash.

    Your Argentina-bound carry-on bag

    Yes, I know this goes against everything you ve learned about safety, theft prevention, debit card back-ups, and the like. But really, you are better off acting like a mobster and coming in with rolls of $50 and $100 bills (clean and recent of course) than you are trying to use plastic. Then you simply exchange these dollars for pesos and use those pesos to pay for your now-much-cheaper hotel rooms, restaurant meals, and bus tickets. Use those pesos to shop for now-cheap leather goods and to buy good wine for cheap.

    If you do this, you ll be copying what the wealthy Argentines are doing now. The country has slapped a 35% international travel tax on anyone leaving the country to try to stem the outward flow of money, but it s not keeping the rich from traveling. That s because they can easily justify it as a business expense: they ve stowed their money in Montevideo, Panama, or Miami. So it s a banking trip. It s also the only way they can shop for items not made in Argentina: the import restrictions have gotten so tough that most of the best-known international brands have pulled out of Argentina. The ones who stayed are having to buy buildings to have something to do with their profits since they can t get them out of the country.

    In short, its a big mess. But when there s upheaval, that s often the best time to visit. You have a hard currency in a land where that hard currency is extra valuable.

    Just be advised there s one big expense you can t get around: the hefty reciprocity fee to enter the country. Chile dropped it recently, but not Argentina (or Brazil). You need to apply in advance and pay $160 per person if you re American, $92 if you re Canadian, and $100 if you re Australian. Stay a while to make up for this tax on tourists.


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    How to tell if your car needs wheel alignment #car #alignment,wheel


    How to tell if your car needs wheel alignment

    When people talk about a car’s “alignment,” they’re talking about making sure the wheels all point in exactly the same direction. If a wheel gets knocked out of alignment just a little, you’ll still be able to drive but your car won’t handle well and you’ll wear through tires and other parts more quickly than you should.

    Most drivers don’t realize they need an alignment until their mechanic tells them. Once you know what to look for, though, the signs of an out-of-alignment vehicle are obvious.

    Signs of poor alignment

    If your vehicle needs an alignment, you’ll notice the following:

    • A steering wheel that shakes at certain speeds
    • A constant need to correct your steering to keep the vehicle moving in a straight line
    • Uneven wear on your tires
    • Vibration in the steering column at higher speeds

    There are several ways your car can be knocked out of proper alignment. Every driver at one time or another has done one of these:

    • Run over a curb
    • Hit a pothole
    • Run over or collided with a parking barrier
    • Hit a speed bump while moving too fast
    • Hit another vehicle

    All of these can knock your wheels out of alignment. If your car has perfect alignment before you hit that pothole, but drifts to the left or right afterward, you know your vehicle’s alignment has been altered. It’s not an emergency condition, but driving your car with bad alignment can cause premature wear and tear on the suspension system and the tires.

    Alignment timeline

    Some professionals say you should get your alignment fixed every 10,000 miles, while others say you should have it done once a year. There are other times you may need an alignment:

    • After an accident
    • After hitting a curb or pothole
    • As part of other scheduled maintenance

    Your vehicle may also need an alignment as part of getting your rear brakes serviced. If your mechanic recommends getting an alignment done after inspecting the vehicle during scheduled maintenance, don’t wait for the 10,000 miles to roll around. Get the work done and save your car some additional wear and

    The alignment process

    Your mechanic puts sensors on each tire and determines whether your alignment needs to be adjusted. The mechanic will also make sure the suspension system is in good repair. You may need to have these parts repaired as well if they are not in good condition.

    Sometimes you may have the option of a two-wheel or four-wheel alignment. A four-wheel alignment is best, and the extra expense is worth it to keep your car, truck or van in top condition. Most mechanics recommend all vehicles get a four-wheel alignment.

    Before and after the repairs

    Before doing the job, your mechanic may test-drive the vehicle to see how it performs. During the repairs, your mechanic will adjust the alignment, then test-drive the car to make sure it handles properly, or ask you to take it for a spin. Your vehicle should handle like new, with no vibrations or drift. Protect your investment after your alignment work is done:

    • Drive slowly over speed bumps
    • Give yourself plenty of turn space to avoid running over curbs
    • Slow down and steer around potholes and objects in the road

    Wheel alignment is a repair job that must be done by a qualified professional; while it is possible to change your own oil. replace an air filter or a even a fan belt, alignments require special equipment most drivers don’t have in their garages. It’s always best to get this work done as recommended by your mechanic or in the scheduled maintenance in your vehicle owner’s manual.


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    Business Intelligence #business #intelligence,what #is,definition,business #intelligence #software,business #intelligence #solutions,buisness,inteligence,busines

    Business Intelligence

    An enterprise Business Intelligence solution must satisfy the reporting and analysis needs of everyone in the organization, from front line workers to executives to analysts.

    Business Intelligence (BI) is a broad category of computer software solutions that enables a company or organization to gain insight into its critical operations through reporting applications and analysis tools. BI applications may include a variety of components such as tabular reports, spreadsheets, charts, and dashboards. Although traditional business intelligence systems were delivered via host terminals or paper reports, the typical modern deployment of a BI application is over the web, via Internet or intranet connections. It is also possible, and becoming more popular, to develop interactive BI apps optimized for mobile devices such as tablets and smart phones, and for e-mail.

    Well-designed BI applications can give anyone in your company the ability to make better decisions by quickly understanding the various “information assets” in your organization and how these interact with each other. These assets can include customer databases, supply chain information, personnel data, manufacturing, product data, sales and marketing activity, as well as any other source of information critical to your operation. A robust BI application, which includes integration and data cleansing functions, can allow you to integrate these disparate data sources into a single coherent framework for real-time reporting and detailed analysis by anyone in your extended enterprise – customers, partners, employees, managers, and executives.

    Check out these live Business Intelligence demos for examples of reports, charts, scorecards and dashboards that satisfy diverse end user requirements on both mobile devices and desktop computers.

    WebFOCUS – Information Builders’ comprehensive suite of BI software and the industry’s most secure and flexible solution – provides comprehensive BI functionality for many different classes of users, from the corporate executive to the assembly line worker; from the financial analyst sitting at his desk to the sales rep who’s always on the road. WebFOCUS allows organizations to leverage any data source, transform it into useful information, and deliver it in an actionable format to any end user, both within and outside the enterprise.

    WebFOCUS reduces the cost and time for development and deployment of BI applications, while providing powerful, scalable, enterprise-wide BI solutions.

    WebFOCUS BI software will empower your organization to:

    • Process requests quickly, intelligently, and efficiently
    • Respond faster and more efficiently to changing conditions affecting your organization
    • Make your greatest asset – information – part of your organization’s natural culture
    • Transform raw data into intuitive, illustrative enterprise reports quickly and easily
    • Enhance reporting systems by incorporating transactional forms, as well as data maintenance and update capabilities
    • Deliver usable information to both local and remote workers in the format that works best for them, whether it’s html, Microsoft Excel, Adobe PDF, e-mail or active technologies with built-in analytics capabilities.

    To find out more about BI, read our white paper “Worst Practices in Business Intelligence: Why BI Applications Succeed Where BI Tools Fail .” In it you’ll see the most common mistakes made in BI deployments and how to avoid them so your BI applications will be as successful and effective as possible.


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    Air Force One Has New Defensive Systems, Antennas #what #is #ptsd,


    Defense Media Network

    Air Force One Has New Defensive Systems, Antennas

    Plans for a new presidential aircraft by the end of the decade have been set aside, but the current flying White House is constantly being upgraded and has been observed with new communications and defensive systems.

    A new aircraft was once expected sooner. We have recognized for several years now that the Air Force One replacement is out there in our future in the late teens, Air Force Secretary Michael Donley said in September 2011. But since then, the recapitalization plan has been put on hiatus.

    The tail cone of Air Force One bristles with defensive systems at Patrick Air Force Base, Fla. in June 2012. Photo and annotations by John Gourley

    President Barack Obama famously criticized Detroit automobile executives for using business jets to fly to Washington for a Capitol Hill appearance. That, plus a simple absence of funding, means that what the Air Force calls Presidential Aircraft Recapitalization (PAR) is going nowhere. In the past the Air Staff quoted a target date of 2017, and later revised it to 2019. More recently, officials say a new plane for the commander-in-chief is still farther away.

    The Boeing 747-8 and Airbus A380 have been named as possible candidates to replace the existing presidential Boeing 747s. In 2009, Airbus s parent company said it would offer a candidate to any competition for a new Air Force One.

    There appears to be no issue of structural fatigue with the presidential 747s. As of 2009, the last year for which figures were released, each aircraft had flown about 6,500 hours and was expected to log 450 hours per year. A 747 airliner of the same vintage, kept in the air far more often, would have at least ten times as many airframe hours on its structure.

    Bumps and Bulges

    Multi-purpose conformal antennas are almost flush against the fuselage side of this VC-25A presidential aircraft at Patrick Air Force Base, Fla. in June 2012.
    Photo and annotations by John Gourley

    Air Force One is the radio callsign for any Air Force aircraft with the president aboard. The term is used conversationally to refer to two VC-25As, or Boeing 747-200s (serial numbers 86-28000 and 86-29000) that have pulled presidential transportation duty since 1990. George H. W. Bush was the first president to fly on one of the 747s.

    The aircraft are flown by the Presidential Airlift Group (PAG), and belong to Air Mobility Command s 89th Airlift Wing, based at Andrews AFB, Md.

    During a stop at Patrick Air Force Base, Fla. in June, aircraft 86-29000 was seen to be equipped with various items that help keep the president in touch and provide security.

    Not new to the VC-25A:

    • About five AN/ALQ-204 Matador infrared (IR) countermeasures devices are located at the tail and behind the four engines, Previously used on the VC-137C (Boeing 707-320B) presidential aircraft and on airliners and executive aircraft, the device emits pulsed IR signals to foil attacks by heat-seeking missiles.

    Thought to be new or recent additions to the VC-25A:

    • An AN/AAR-54(V) missile launch warning receiver located at the tail is intended to report and track missile threats by zeroing in on their ultraviolet exhaust signature. The receiver is also in use on special-operations warplanes like the MC-130H Combat Talon II.
    • The AN/AAQ-24 Nemesis Directional Infra-Red Counter Measures (DIRCM) system, which can be directed by the AAR-54, fires pulsating flashes of IR energy that confuse a missile s guidance system.
    • Conformal antennas: the VC-25As have been retrofitted with multi-purpose conformal antennas adaptable to satellite communications systems and other purposes. They resemble Band-Aids or patches but are, in fact, antennas that appear to have no effect on the aerodynamic performance of the 747.

    Robert F. Dorr is an author, U.S. Air Force veteran, and retired American diplomat who.


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    Booking with a Travel Agent vs. Booking Online Which is Better?

    #online travel agent

    Booking with a Travel Agent vs. Booking Online Which is Better?

    A recent vacation purchase has me thinking of what appears to be the continued downfall of the travel agent. We all have the choice through a growing number of online travel portholes to do all the research and travel booking ourselves with a click of the mouse or a quick phone call to a ready and waiting online booking agent. Most of you are doing just this and the numbers are growing so exponentially that it is putting many travel agents out of business but the question is Is it better to book travel online or through a travel agent?

    I recently booked an all-inclusive vacation online after a friend convinced me she had no issues using them before (more details on this experience in a later post, best not to name names until after the vacation is over) she showed me the super low prices, we researched the hotels and decided to go ahead and book it. The site offered a price drop protection on our package so we figured what the heck we have nothing to lose. We called the site s number and an online booking agent took are details and we were super excited. People book online all the time no worries right?

    Well it wasn t so simple after all and it really got me researching all the pros and cons of booking a vacation through a Travel Agent vs. booking a trip with an online travel site. So I put together some of my findings below.

    Convenience   A Pro for Online Booking or Booking with a Travel Agent?

    Is it really as convenient as we think?

    So it is undeniable that it is far easier to go online and search for travel options and buy them more quickly than calling an agent, waiting until they are free to talk, discussing your needs, waiting for them to get answers as they search and so on. However, there is a downside to this convenience the searching.

    When booking flights the search may not be an issue but when booking packaged vacations and cruises or more complicated trips this is where the online booking loses its stronghold. Personally I love the searching, checking reviews and digging out my next vacation from all the information, however not everyone has the time for this. You are not only looking for the best price, but a place with a good reputation, the amenities you desire and the locations you want to visit during your trip. You might need answers to questions like is it the best time to travel here? Are there any travel advisories I should be aware of. If you are not into spending the time doing this research then a Travel Agent may be the best choice here. They have experience and information that you may not be digging up from an online site.

    Do You Get The Same Treatment? Pro for the Travel Agent Con for Booking Online

    You are more likely to get bumped flights or booked in a lower-end room when booking through an online travel site.

    Personally I m starting to believe this statement more and more. How can this be true? Well the fact is that when booking your flight online the online travel agency will not remove your seats off the availability list as quickly as a travel agent does. The travel agent does it immediately at the time of booking so if the flight is overbooked the last tickets issued are the first ones bumped off the flight. Since customer service with online travel sites is less than stellar the airline may feel it is easier to bump an online booking over an agent booking which will be more quick to respond on behalf of their client.

    With regards to hotel room bookings a room booked online is put in a less desirable class than one booked by an agent. So if you book an Oceanview room online you will get an Oceanview room but probably in the oldest wing of the hotel and next to heavy machinery or in a loud part of the resort. This would be an interesting survey of trip-advisor reviews if you book online vs an agent is your room worse than the agent customer? A travel agent booking includes special notes and requests, so if you want a second floor room, in a quiet part of the hotel or resort you will be more likely to get it than if you book through an online site.

    Customer Service Pro for the Travel Agent Con for Booking Online

    From my own personal experience and the many many complaints I ve read online this is where the online booking sites fail miserably. If you book your trip online and there are no issues or changes then consider yourself lucky, but the moment something goes wrong, a clerical or accounting error is made, the price changes, the flight changes or you are not satisfied with something getting a customer service representative at the online booking site may prove difficult.

    Many of these sites put their resources in bookings rather than dealing with issues. Once the trip is booked you will have a hard time getting a customer service agent to help. A few examples you might encounter:

    • You Don t Like the Room You get to the resort and hate the room you got, so you head to the front desk and they don t seem to want to help you. Why? Well you bought the cheapest hotel room, remember? Why would they want to help you? So by some miracle you get through to a customer service representative at the online booking site, they too have little luck with room selection, because they are selling the cheapest deals not the best vacations. On the other hand a travel agent whose direct number and email you have will be far more easy to reach and much better equipped to handle the situation for you. In fact the front desk knowing the travel agency s representatives may encourage them to be more helpful in the first place.
    • Your Flight Schedule Changes Online travel agencies are famous for this one. They don t inform you of any changes to your flight. According to their fine print You are responsible for checking your flight times 24 hours before you leave. Again an online agency is putting its resources on new bookings, they don t always look back and forward any new relevant information for an old booking. A travel agent on the other hand will be more likely to send you the flight change notice and be there to handle any concerns you may want to discuss.

    The Lowest Prices are Guaranteed Online? Or Are They?

    Have you ever gone online and found the most amazing deal on a flight and then when you start going into the actual booking the price just goes higher and higher? Online travel sites are well known for the bait and switch tactic. They have all done clever marketing campaigns to get the word out that you will get the lowest prices for the same packages that agents sell and if you travel often then you may be discovering that this is just not the case. In fact every agent I have talked with about a price I found online has matched and further reduced the online price, so why doesn t the Agent have the upper hand here?

    There are some unbelievable travel deals to be found on an online site but is what you see always what you get? You purchase the trip and then the online site says oh we are sorry the tour operator changed the flight, or cancelled it all together. It isn t our fault but the charter flight company changed the flight. Is it just me or are these changes happening more with online bookings than with agency bookings?

    The Bottom Line Travel Buyers Beware

    In response to my recent online booking issues, I m questioning if I ever want to book a flight or trip online again. Having a relationship with a good travel agent means experience, expertise, information, customer service and someone that has my back. I m starting to wonder why consumer reports have not been compiled on issues of using Online Travel Sites for bookings and is it really true that they offer the lowest price for the same vacations you get with an Agent? Just sayin !


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    How Much is an Airline Ticket for Dogs? #best #prices #for

    #price of airline tickets

    How Much is an Airline Ticket for Dogs?

    Pet Airways provides airline tickets for dogs on pet-only flights. (Photo: David McNew/Getty Images News/Getty Images )

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    Pet owners traveling domestically or internationally with their dogs have several options available when selecting an airline ticket for their pet. Select airlines allow dogs to fly in the passenger cabins or as checked luggage for a fee, though the animal must meet the airline’s restrictions. In most cases, the cost for a dog’s ticket varies based on the airline, flight length and size of the animal.

    In-Cabin Dogs

    Small dogs, typically those able to fit comfortably in a pet carrier stored under an aircraft seat, are able to travel in the passenger cabin on several airlines. The fee for in-cabin pets varies by airline. As of publication United, Delta and American Airlines charge $125 for flights in the United States and most international flights in North America; Spirit Airlines charges $100 for domestic flights; Southwest requires payment of $75 for each in-cabin pet; and AirTran’s pet fee is $69. Most airlines require advance reservations for pet travel, and in some cases taxes and fees are added to the cost of the dog’s in-cabin ticket.

    Dogs as Checked Baggage


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    Difference Between PhD and Doctorate #phd,doctorate,what #is #a #phd,phd #definition,doctorate #vs


    Difference Between PhD and Doctorate

    PhD vs Doctorate

    There are many who think that PhD and doctorate is one and the same, and to an extent this theory is correct. Doctoral degrees are the highest point of learning in any field of study and people who complete their doctoral degrees obtain an honorary title of Doctor in their chosen field of study. Indeed PhD is a doctoral degree, but it is not the only certification that leads to a doctoral degree. There are many other degrees that are not PhD’s but still considered equivalent to a PhD. Let us find out the difference between a PhD and a doctorate to properly discern between the two.

    What is a Doctorate?

    Considered to be the highest points of learning in any field of study, Doctorates are awarded in all fields of study. A good example for this would be J.D in the field of law known as Juris Doctor or a Doctor of Law. Similarly, a Doctor of medicine is what you commonly refer to as a M.D. A doctor of Business Administration is called a D.B.S and a Doctor of Dentistry is called a D.D.S. Similarly, a Doctor of Philosophy is referred to as a PhD. A Doctorate is a highly prestigious and a hard-earned accomplishment, and most universities require their lecturers to obtain one in order for them to be accepted as a lecturer.

    What is a PhD?

    A PhD or Doctor of Philosophy is a postgraduate academic degree that is awarded for several subject areas which vary from country to country, time period or the institution. However, the term philosophy does not merely refer to the field of philosophy, but it is used in a broader sense. For example in most part of Europe, all field except the field of theology, law, and medicine are known as philosophy while in Germany and elsewhere the faculty of (liberal) arts is referred to as the faculty of philosophy. The recipient of a PhD is automatically awarded the title of Doctor since a PhD is considered as the pinnacle of one s study. In order to be qualified for a PhD, one has to possess an Honours degree or a Master s Degree with high academic standing. The PhD candidate is required to submit a thesis or dissertation of original academic research that is worthy of publication and he or she is required to defend this work before a panel of expert examiners appointed by the university. The degree of PhD is a prerequisite to get tenure as a teacher in most Universities and colleges. PhD is recommended for students who are interested in a career in academia and for research enthusiasts driven by scientific and humanistic curiosity.

    What is the difference between Doctorate and PhD?

    • PhD and Doctoral degrees are similar in the sense that they are considered to be the highest learning point in a field of study

    • A PhD is more focused on a career in academics whereas most doctoral degrees focus on a profession outside a university or research environment

    • PhD is a prerequisite for tenure as a teacher in colleges and universities

    • PhD is also awarded by universities to persons who have provided exceptional services to the community in certain fields. These PhD’s are honorary in nature.

    Therefore, we can conclude that while a doctorate can be seen as an umbrella term for most post-graduate academic degree, a PhD is one doctoral degree that falls under that umbrella term.


    • A PhD is more focused on research and teaching profession whereas a doctoral degree is more academic in nature and completed to engage in professions other than teaching

    Not really. Majority of academics have PhDs. PhD students and grads are more research-focused compared to doctorates, the latter is more of a professional degree. Most people who solely want to teach, won t go for a PhD, it s a waste of time. However, most universities or institutes linked to universities require certain hours of teaching for most researchers (ie: 4 hours per year). It s easy to see why the average person would emphasis PhDs as more teaching-focused instead of research, when it s heavily the other way round. Most PhDs I know don t even teach.

    Zuzzette Bricker says

    So would you say a Doctorate for someone in the field of study with later in life goals of teaching would be better then the PhD?


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