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!

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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 )

    Related Articles

    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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    Is India safe for tourists? #discount #travel #insurance

    #india travel

    Is India safe for tourists?

    Several recent incidents, including a British tourist s report of a threatened sexual assault at her Agra hotel earlier this week, have raised concerns among would-be visitors to Indian attractions such as the Taj Mahal. (Photo: Laura Bly/USA TODAY)


    UPDATE, April 2: In the wake of several highly publicized sexual attacks, women travelers are canceling or avoiding trips to India, a New Delhi-based business association says.

    In a new survey of 1,200 tour operations across India, the Associated Chambers of Commerce and Industry of India found that the number of inbound tourists has dropped 25% since December. The inlux of female travelers is down 35%, particularly from the USA, Canada, Australia and Britain, local businesses told the group. Many operators said tourists had sent them emails wondering whether traveling in India was still safe, and “those who are determined to visit India are taking extra precautions and avoiding affected areas,” they reported.

    “India attempts to enhance its image in the eyes of foreign tourists,” D.S. Rawat, secretary general of the association, said in a statement. Instead, the reported attacks have “raised concerns about the safety of female travelers to the country.”

    ORIGINAL POST: The India tourism office’s popular “Incredible India” marketing campaign, which recently featured The Mentalist co-star Patricia Malone as a woman traveling the country solo, has helped boost the number of foreign visitors to about 6.6 million a year.

    But a recent series of incidents — December’s gang-rape and subsequent death of an Indian student on a bus in New Delhi, the March 16 gang-rape and robbery of a Swiss tourist biking through central India with her husband, and Tuesday’s report that a British tourist jumped out of a third-floor hotel room in Agra to avoid what she said was a threatened sexual assault from the hotel manager — has raised alarms among would-be visitors, particularly solo women.

    Britain’s foreign office updated its advisory for India on Tuesday, warning female tourists to “exercise caution when travelling in India even if they are travelling in a group.” The U.S. State Department’s website asks female travelers to “observe stringent security precautions” and “avoid travelling alone in hired taxis, especially at night,” while a Swiss foreign ministry advisory, issued before last week’s attack, urged men and women visiting India to travel in large groups and with guides, notes AFP.

    At the Delhi office of the Indian Association of Tour Operators, executive director Gour Kanjilal told AFP it was unfair to portray India as dangerous.

    “Our industry is the first casualty when crime against foreigners is reported in India, but the reporting does not always reflect the truth,” he said. “Tourists should be responsible. They should follow some do’s and don’ts.”

    In a travel briefing issued in response to the alleged rape of the Swiss woman, the global risk consultancy firm Control Risks said that “although the incident is serious, violent crime against foreigners remains relatively rare in India,” reports the Wall Street Journal.

    “India remains generally safe for female travelers and most women will experience, at worst, unwelcome attention from men,” the firm’s report added, while cautioning tourists against traveling alone or in small groups.

    Indeed, writes Toronto-based travel blogger and India expert Mariellen Ward of, “when it comes to India, I always encourage first-timers to join a group or go with a knowledgeable friend. There is a learning curve to being in India, no doubt about it. I have felt mostly safe over the 17 months I have travelled there; and have only minor incidents to report in all that time.”

    “But what I REALLY feel is that India is no different than anywhere else,” she continues. “It is certainly getting a lot of publicity, and I’m glad these things are coming out in the open. The truth is the world is not safe for women anywhere. Rape stats in the USA, in South Africa and many other places are alarming and appalling. for example, Sweden is on many lists of safe places to travel (but) has a higher rate of rape, and a lower rate on the happiness index, than India.”

    I, too, have traveled alone in India — albeit only for a 26-hour stint t hat included a late-night drive to Agra’s Taj Mahal — and returned with my husband for a two-week trip the following year. I often felt overwhelmed, but never questioned my personal safety.

    Readers, what about you? Have recent events made you less likely to visit India?



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    Expository Counseling Training Center #expository, #counseling, #center, #nouthetic, #nanc, #certified, #houston,


    Expository Counseling Training Center

    Expository Counseling Training Center is the training portion of the Expository Counseling Center. ECTC (Expository Counseling Training Center) seeks to provide online and onsite based training for Biblical Counseling. ECTC provides 5 basic biblical counseling training courses that are developed by Dr. Nicolas Ellen. Each l evel of teaching is 14 weeks in length. There are also outside class readings, Scripture memorization, make-the-connection assignments, and case studies. Tuition is $350 per Level. The 5 basic biblical counseling training courses developed by Dr. Ellen have been recognized by the Association of Certified Biblical Counselors and are used by an ACBC Training center (The College of Biblical Studies in Houston, Texas) as part of their process to move individuals into ACBC certification.

    Since the Expository Counseling Center respects and appreciates The Association of Certified Biblical Counselors (also known as ACBC), the ECC provides a 6 week training to prepare individuals to take the ACBC exams (which must be passed in order for one to move into ACBC certification), and 12 hours of counseling observations for individuals pursuing ACBC certification (10 hours is required in order for one to move into ACBC certification). Since Dr. Nicolas Ellen is a Fellow with ACBC, The Expository Counseling Center offers counseling supervision via Dr. Ellen for those entering phase 3 of the ACBC certification process. Tuition for the ACBC Exam Prep is $150 and $500 for phase 3 ACBC supervision. (Go to to find out more about their process for biblical counseling certification).

    The Expository Counseling Center also respects and appreciates The International Association of Certified Biblical Counselors. So much so that the ECC is a certified training center with the International Association of Biblical Counselors (Go to to find out more about their process for biblical counseling certification). The Expository Counseling Center has been sanctioned by the IABC to lead individuals into complete biblical counseling certification with their organization via The Expository Counseling Training Center. The ECTC will provide the biblical counseling training via the 5 basic biblical counseling courses developed by Dr. Nicolas Ellen and provide the theology and counseling exams which are produced by the IABC. ECTC will also grade the exams, and provide the 50 hours of supervision via Dr. Nicolas Ellen, in order to certify individuals as IABC Biblical Counselors. Tuition for IABC Exam Prep is $150 and $350 for IABC counseling supervision.

    You will be able to purchase most of your course material through the ECC online bookstore.

    In this level, students will learn the connection between systematic theology and biblical counseling. Students will evaluate the doctrine of God, Christ, Holy Spirit, Man, Sin, Salvation, Sanctification, various others doctrines and learn how genuine biblical counseling comes out of these doctrines. Students will also learn the history of the biblical counseling movement in the United States.

    (14 Weeks) Tuition is $350

    In this level, students will learn the basic principles of Biblical Counseling and be able to distinguish it from secular counseling and counseling that integrates psychology and the Bible. Students will learn how the Bible has it s own framework by which we can address any and all non-organic problems from the Scriptures. This includes those issues that the world would describe as psychological or mental disorders. Students will learn how to analyze issues from a biblical framework, categorize issues through a biblical framework, and provide biblical solutions through a biblical framework.

    (14 Weeks) Tuition is $350

    In this level, students will explore issues such as the fear of man, idolatrous lust, depression, divorce, separation, abuse, remarriage, death, trials, suffering, psychotropic drugs, biblical view of self esteem, dealing with the past and many other issues and learn to deal with them from a biblical perspective.

    Level Four:Marriage and Family Basic Training Course

    (14 Weeks) Tuition is $350

    In this level, students will learn the foundations for marriage and family as God designed. Students will explore God’s design for marriage as well explore some basic parenting skills.

    Level Five: The Dynamics of Biblical Counseling

    (14 Weeks) Tuition is $350

    In this level, students will learn the mechanics of biblical counseling. Students will observe 12 hours of biblical counseling as well as do some case studies. Students also will learn concepts of biblical analysis, categories of biblical change, phases and stages of biblical change, and categories of homework for counselees. Moreover, students will learn policies and procedures for governing a counseling ministry, how to use a personal data inventory form, how to use a consent to counsel form, how to organize and structure a counseling session as well as how to fill out a case report form after a session.

    (6 Weeks) Tuition is $150

    Students will go through each question on the ACBC Exam and learn how to answer those questions. Students will learn which resources are available to answer each question. Students will learn how to cite their sources for the answers they find from those sources provided by the training.

    (6 Weeks) Tuition is $150

    Students will go through each question on the IABC Exam and learn how to answer those questions. Students will learn which resources are available to answer each question. Students will also learn how to cite their sources for the answers they find from those sources provided by the training.

    Students will spend 2-3 hours in class listening to a lecture and participating in small group interactions pertaining to the course. During this class time students will be able to ask questions and discuss matters pertaining to the course.

    Outside Class Reading

    The students will be required to read John, Hebrews, Romans, James, 1 John, 1 Peter, Ephesians, Proverbs, 2 Peter, and Galatians. Students will also be required to read The Heart of Man and The Mental Disorders. Deceptive Diagnosis. Understanding and Developing a Biblical View of Life. Instruments in the Redeemer’s Hand. So You Want to Get Married (for singles), Happy Even After (for married couples), Shepherding a Child’s Heart. With All Your Heart. Coming to Know and Walk with God. How People Change. Pursuing Godliness through the Disciplines of the Christian Faith. Every Christian a Counselor. Peacemaker. The Biblical Counseling Movement. Theology of Christian Counseling. Counseling by The Book (Revised and Expanded Edition). Why Christians Can’t Trust Psychology and A Theology of Biblical Counseling:The Doctrinal Foundations of Counseling Ministry (Heath Lambert).

    Students will memorize 16 Scripture verses to enhance their counseling.

    Make-the-Connections and Case Studies

    In order to teach students how to analyze problems through a biblical framework and to categorize problems through a biblical framework, students will be given 50 make-the-connection assignments over the course of study. These assignments will challenge the student’s skill in connecting various characteristics to a biblical framework. Students will be assigned 30 counseling cases over the entire training period to teach them how to analyze, categorize and solve problems from a biblical framework perspective.

    50 hours of counseling supervision via Dr. Nicolas Ellen, will be provided for IABC students and for students in Phase 3 of ACBC certification. This will entail filling out case report forms and counseling logs, tape recording five of one’s counseling sessions to be listened to by Dr. Ellen for evaluation of one’s skill, discussing the dynamics of various counseling cases, and developing in biblical counseling methods through the 50 hours of supervision.

    Attached below is a syllabus that lays out the details of each course.

    Most of the curriculum for each level can be purchased online through our bookstore. The syllabus for the course will let you know what books you need for each level and when you need them. (Review the syllabus for more details.)

    Special Offer To Churches

    For a limited time, we have a special offer to churches who are interested in this program. Please contact us for more information.


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

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

    #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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    Why Southwest Airlines Is No Longer Just About Cheap Flights #one

    #the cheapest flights


    The U.S. s biggest low fare airline appears to be experiencing an identity crisis. In Southwest s new ad campaign, there s no silly humor and no mention of bags fly free or cheap flight prices. The message is that this is a different airline — one that longtime customers may feel is hard to recognize or even like.

    The campaign is a departure in tonality for Southwest, and we hope it inspires our customers, Southwest executive Bob Jordan said in a press release announcing its new commercial, which debuted during the NCAA March Madness basketball tournament. Southwest has changed a lot over the years, we keep getting better, and we want customers to see us in a new light.

    The ad will come as a shock to TV viewers, according to the Chicago Business Journal . because of the disappearance of all the silly, cartoonish aspects of its advertising. The ad features no goofball humor, nor any messages about Southwest s low fares or its value-laden bags fly free policies that tell the masses you are now free to move about the country. Instead, the commercial is filled with images of people diligently going about their jobs, as well as heartwarming clichés like “The American dream just doesn t happen. It s something you have to work for.

    The image of Southwest as a plucky upstart taking on the industry giants is, in other words, totally gone. We re left with the Southwest logo and a voice-over claiming its status as America s largest domestic airline.

    Among travel insiders, the ad is being viewed as a sign of a possible identity crisis within Southwest. The CrankyFlier bashes the commercial, which is probably unsurprising given the name of the blog. This ad is just pure bleh, the post states. It says nothing to me. This could be for Southwest or any other legacy airline.

    No song lyrics are audible during the ad, but the CrankyFlier s Brett Snyder identifies the tune playing in the background and notes that the chorus ironically includes the line Oh, Lord, I’m still not sure what I stand for.

    One reason that Southwest seems to be saying it no longer stands (just) for low fares is that, in recent studies, the airline has been shown to not always have the cheapest flights. The research firm Topaz International conducted a survey of 100 routes flown by Southwest, and here s what it discovered:

    When comparing airfare only, competing airlines were lower than Southwest Airlines over 60% of the time, and higher than Southwest Airlines 35% of the time. This result is surprising given the perception in the marketplace, and with many travel managers, that Southwest Airlines is in fact the low-cost carrier in all markets they serve.

    The study seems to confirm the data dug up by the Wall Street Journal ’s Scott McCartney in 2011, when the travel columnist reported that Southwest s flight prices had risen substantially — up 39% over the preceding five years, compared with 10% for the industry as a whole — and that it tended to charge more on routes where it was the dominant carrier.

    It must be noted, however, that the Topaz results above are based on comparing airfare only, without incorporating the costs of checked bags. For years, Southwest has loudly celebrated its bags fly free policy in ads playing up the value it offered travelers compared with nearly all other airlines — which can charge $25 and up for each piece of checked luggage. When the costs of one checked bag were factored in, Topaz found that Southwest was the cheapest option 60% of the time.

    Though the CrankyFlier s Snyder is obviously not a fan of Southwest s new commercial because it makes it seem like every other airline out there, he says Southwest is still different from the competition in a few key ways. The most obvious difference is that Southwest hasn t gone with the a-la-carte model of pricing and instead continues to bundle things like bag fees and change fees into the price of the ticket, Snyder said via e-mail. That s why you often see that Southwest isn t the cheapest anymore. Also, Southwest s customer-service model, loaded with employees that are empowered to solve problems, is generally superior to the ham-fisted bureaucracies in other airlines customer-service departments, according to Snyder.

    So even as fares have risen, Southwest still sets itself apart with good customer service and the checked-bags value proposition. But for how long? Southwest has already been following the industry s lead by adding new fees for services like priority boarding. and more nickel-and-diming practices seem inevitable. Snyder worries that Southwest will struggle to maintain top-notch service, especially since it swallowed AirTran — which was also known as a low-fare carrier, but one with a very different customer-service environment.

    At frequent-flyer expert Tim Winship reported that Southwest CFO Tammy Romo stated at a conference that the airline would be tightening restrictions on flights this year. She was also extremely noncommittal about whether Southwest would maintain its long-standing bags fly free policy:

    I don t think our brand is Bags Fly Free, that s not who we are. As I mentioned, our brand is the affordable fares that you get with Southwest and the friendly, warm service that you get from our employees. So I don t think — an advertising campaign is not your brand. So at least, that s my belief. And we ll continue to look at our plan and adjust as we need to meet our financial objectives.

    George Hobica, who runs says Southwest may very well be de-emphasizing bags fly free as a prelude to start charging for bags. No plans have been announced, however. Regardless, based on how big and powerful Southwest has become, and based on the image projected in its new ad campaign, no one should continue to view the airline as an offbeat little upstart company.

    Bottom line, we now really have four major domestic carriers, says Hobica. Southwest is one of the big boys now and wants to be recognized as such.

    Here s the ad if you d like to watch it:


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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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    Floating Interest Rate #what #is #a #floating #rate


    Floating Interest Rate

    What is a ‘Floating Interest Rate’

    A floating interest rate is an interest rate that moves up and down with the rest of the market or along with an index. It can also be referred to as a variable interest rate because it can vary over the duration of the debt obligation. This contrasts with a fixed interest rate. in which the interest rate of a debt obligation stays constant for the duration of the loan’s term.

    BREAKING DOWN ‘Floating Interest Rate’

    For example, residential mortgages can be obtained with fixed interest rates, which are static and cannot change for the duration of the mortgage agreement, or with a floating or adjustable interest rate, which changes periodically with the market. For example, if someone takes out a fixed rate mortgage with a 4% interest rate, he pays that rate for the lifetime of the loan, and his payments are the same throughout the loan’s term. In contrast, if a borrower takes out a mortgage with a variable rate, it may start with a 4% rate and then adjust, either up or down, thus changing the monthly payments.

    How Floating Interest Rates Adjust

    In most cases, adjustable-rate mortgages (ARMs) have rates that adjust based on a preset margin and a major mortgage index such as Libor, the cost of funds index (COFI) or the monthly treasure average (MTA). For example, if someone takes out an ARM with a 2% margin based on Libor, and Libor is at 3% when the mortgage’s rate adjusts, the rate resets at 5% (the margin plus the index).

    Credit Cards With Floating Interest Rates

    Mortgages are not the only type of loans that can have floating interest rates. Most credit cards also have floating interest rates. As with mortgages, these rates are tied to an index, and in most cases, the index is the current prime rate, the rate that directly reflects the interest rate set by the Federal Reserve several times per year. Most credit card agreements state that the interest rate charged to the borrower is the prime rate plus a certain spread .

    Advantages and Disadvantages of Floating Rates

    With mortgages, adjustable-rate mortgages tend to have lower introductory interest rates than fixed rate mortgages, and that can make them more appealing to some borrowers, especially to borrowers who plan to sell the property and repay the loan before the rate adjusts or borrowers who expect their equity to increase quickly as home values increase. The other advantage is that floating interest rates may float down, thus lowering the borrower’s monthly payments. The key disadvantage, however, is that the rate may float upward and increase the borrower’s monthly payments.


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    Bryant University Online CFP® Program #where #is #bryant #college


    The Premier CFP Program


    Industry-leading Curriculum that’s 100% Online and Always Accessible.

    Bryant University’s CFP ® curriculum is one of the most respected CFP ® curriculums available today. The curriculum, which was initially developed in 2001 by The Boston Institute of Finance and a university partner, was one of the first to deliver 100% of the coursework required to satisfy CFP ® Board’s Education Requirement in a completely online format. The internet has evolved considerably since 2001, and the Bryant CFP ® Program has evolved with it. We recently overhauled our entire Learning Platform to ensure that the demands of today’s students are not only met, but exceeded.

    Walk or Sprint. You Decide.

    The streamlined curriculum is formatted and presented in modules that are appropriately sized to enhance long-term memory retention. Bryant’s CFP ® Program makes it possible for students to be thoroughly prepared to sit for the CFP ® Board Examination in less than 12 months.

    Premium Content

    Respected CFP® curriculum is nationally regarded.

  • 100% Online

    When we say 100% online, we mean it.

  • High Pass Rate

    Exceeds the national average by a very healthy margin.

  • Self-Study Format

    Bryant’s P rogram is designed to work with all learning styles.

  • Put Your CFP® Certification on the Fast Track .

    Becoming a CFP® Professional is now easier and less time consuming than ever before. The Virtual Classroom Program at Bryant is a highly effective and highly recommended optional add-on to Bryant’s Self-Paced curriculum. Students that choose to study with the Virtual Classroom will be put on track to complete the CFP® Board’s Education Requirement in just ten months !

    All Bryant Instructors are CFP® Professionals.
    Learn from Real Experience.

    We believe that real world experience makes a big difference. All of Bryant’s CFP® instructors are practicing CFP ® Professionals with at least 10 years of experience helping clients navigate through the specific topics that they instruct. They understand the nuanced challenges that you will face in your future as a CFP ®. Learn more about each instructor and their areas of expertise.

    Accelerated Curriculum

    Complete the curriculum in as little as 10 months or less.

  • Manageable Sections

    You are guided through the content in smaller sections.

  • Seasoned Instructors

    All Bryant instructors have at least 10 years of real world experience.

  • Fully Archived

    Each Virtual Classroom session is fully recorded and available on demand.

  • How is Bryant CFP so affordable.
    Up to $2,500 less than the competition?


    What Bryant Students Are Saying

    Privacy Policy

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    What Date of the Month is Cheapest for Airline Tickets? #namibia

    #flight tickets cheapest

    What Date of the Month is Cheapest for Airline Tickets?

    Book a Flight Midweek

    Generally speaking, the cheapest day to fly during any given week or month is on a Wednesday. This is because it is the middle of the week, and there are fewer individuals traveling during the middle of the week. There is less of a demand on the flights, so airlines lower the cost in hopes of attracting passengers. With this being said, you will want to avoid flying on weekends. This is when the majority of passengers fly and it could cost you $100 more than what it would cost to fly on a Wednesday.

    Avoid Holidays

    Don’t book flights midweek if there is a holiday during that time. Christmas, New Year’s, the week of Thanksgiving, these are all huge flight holidays and the price of the plane ticket will skyrocket. This is because it seems like anyone and everyone is flying during that time. If at all possible, try to book your flight for the week before or week after any of these holidays. You can secure better prices and not have to deal with the huge lines at the airports.

    Book your Flight in Advance

    To make sure your midweek flight is the cheapest it can be, book your flight as soon as possible. You should buy your tickets as soon as you know what dates you need to fly, or what dates you have available to fly. Purchasing the tickets soon will be cheaper because there is not yet a high demand for them. With the demand down, the price will be low. However, as the time draws nearer for the flight, and the seats begin to fill, the price for the remaining seats will increase and you will end up paying more money than before.


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    And the Winner Is – Online Travel #how #to #get #cheap

    #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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    How to Invest in Commodities: 12 Steps (with Pictures) #what #is


    How to Invest in Commodities

    Commodities are raw materials used to make other products. These range from agricultural (wheat, corn, soy) to metals (gold, silver, copper) to energy (crude, natural gas, heating oil) and more. Importantly, commodities are standardized across producers with the use of minimum quality standards, called basic grades. This allows them to be interchangeable and grants each type of commodity a value that can fluctuate with the movements of the global market. [1] Commodities investing is the way in which investors, from individuals to large banks, can make money trading commodities and commodity securities by taking advantage of these movements. This article provides a simple overview of the complex world of commodities investing.

    Steps Edit

    Part One of Three:
    Getting Ready to Invest Edit

    Determine how much money you are ready to invest. The commodities market is a very risky place to invest your money, with potentially large gains balanced by equally large potential losses; ; commodities should therefore be a portion of your long-term holdings. Investing in commodities is safest as a part of a large and diversified portfolio that also includes other forms of investments. [2]

    • Commodities can actually reduce overall risk as a part of a diversified portfolio because their movements often are uncorrelated with the fluctuations of other types of securities. [3]
    • Before you invest in commodities, it is recommended that you first get involved in the more elementary areas of investing in the stock market. See how to Invest in the Stock Market for more information.

    Open a brokerage account. In order to trade any securities, including commodities-based ones, you will need the help of a stockbroker to establish an account in which to hold and trade such securities. A brokerage account will allow you to deposit money that can then be invested in securities on your behalf by the brokerage firm. [4]

    • Note that this is not the case if you are planning on simply investing in physical commodities. For example, you can simply buy and store gold on your own as an investment, without entering the securities market at all. However, it is not realistic for most investors to take delivery of larger or more perishable commodities like oil or wheat, this may be more difficult. Investing in securities instead will spare you costs of shipping and storage that can be incurred while trading physical commodities.
    • As with any investment plan, first make sure you have enough saved in your emergency fund (3-6 months of expenses) for unexpected costs, such as job loss, illness, injury, etc. Also set aside in cash any amount needed for upcoming planned short-term expenses (automobile purchase, down-payment on a home, for example) in the next 1, 3 or even 5 years.

    Deposit money into your brokerage account. Be conservative with your first commodities investment; there’s no need to put large sums of money into a market unknown to you. It’s best to gradually build up your position in the commodities market, as this lowers risk. [5] Alternately, you can sell off shares of stock of mutual funds that you already own to finance your commodity investment.


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    What is the ARC? #flight #cheap #tickets

    #arc travels

    What Does ARC Stand For?

    By David Kelly. Business Travel Expert

    David A. Kelly is a freelance writer, author, and technology marketing consultant who’s spent years traveling for business and pleasure. These days, his home base is near Boston.

    Discover more about David via his website:



    The organization processes close to $90 billion each year. It s basically a back-end technology company that services the airlines and travel industry.

    The key services that ARC provides include: financial services, data products, and ticket distribution. It operates primarily in the United States, along with territories such as Puerto Rico. the U.S. Virgin Islands. and American Samoa.

    In addition, ARC provides accreditation for travel agencies and corporate travel departments.


    The Airline Reporting Corporation was established in 1984 as part of the process of airline deregulation.

    It was set up as a private company whose purpose was to settle transactions among different airlines. It currently handles both traditional transactions as well as online transactions.

    ARC works with over 200 airline carriers and 14,000 travel agencies. It provides over 25 products for the travel industry.

    ARC Products and Services

    Since it s founding as the agency of record for transaction settlements, ARC has grown to include a wide range of other products and services, including ones that provide information and intelligence on the travel industry.


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    What is Ecotourism? #worldwide #travel #insurance

    #eco travel

    What is Ecotourism?


    Offering market-linked long-term solutions, ecotourism provides effective economic incentives for conserving and enhancing bio-cultural diversity and helps protect the natural and cultural heritage of our beautiful planet.


    By increasing local capacity building and employment opportunities, ecotourism is an effective vehicle for empowering local communities around the world to fight against poverty and to achieve sustainable development.


    With an emphasis on enriching personal experiences and environmental awareness through interpretation, ecotourism promotes greater understanding and appreciation for nature, local society, and culture.

    The Definition

    Ecotourism is now defined as responsible travel to natural areas that conserves the environment, sustains the well-being of the local people, and involves interpretation and education (TIES, 2015). Education is meant to be inclusive of both staff and guests.

    Principles of Ecotourism

    Ecotourism is about uniting conservation, communities, and sustainable travel. This means that those who implement, participate in and market ecotourism activities should adopt the following ecotourism principles:

    • Minimize physical, social, behavioral, and psychological impacts.
    • Build environmental and cultural awareness and respect.
    • Provide positive experiences for both visitors and hosts.
    • Provide direct financial benefits for conservation.
    • Generate financial benefits for both local people and private industry.
    • Deliver memorable interpretative experiences to visitors that help raise sensitivity to host countries political, environmental, and social climates.
    • Design, construct and operate low-impact facilities.
    • Recognize the rights and spiritual beliefs of the Indigenous People in your community and work in partnership with them to create empowerment.

    Click Here to read the full articles announcing the revisions.


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    What Is Ecotourism? #travel #advisor

    #eco travel

    What does Ecotourism mean, and why should you care?

    Connect with nature in your own backyard. Volunteer with us.

    With advances in transportation and information technology, even the most remote places on Earth are within reach of the traveler. In fact, tourism is now the world’s largest industry, with nature tourism the fastest growing segment.

    In response to this increasing appreciation of nature experiences, a new travel ethic has arisen called ecotourism.

    What is Ecotourism?

    The Nature Conservancy adopts the definition articulated by the World Conservation Union (IUCN):

    Environmentally responsible travel to natural areas, in order to enjoy and appreciate nature (and accompanying cultural features, both past and present) that promote conservation, have a low visitor impact and provide for beneficially active socio-economic involvement of local peoples.

    Most tourism in natural areas today is not ecotourism and is not, therefore, sustainable. Ecotourism is distinguished by its emphasis on conservation, education, traveler responsibility and active community participation. Specifically, ecotourism possesses the following characteristics:

    • Conscientious, low-impact visitor behavior
    • Sensitivity towards, and appreciation of, local cultures and biodiversity
    • Support for local conservation efforts
    • Sustainable benefits to local communities
    • Local participation in decision-making
    • Educational components for both the traveler and local communities

    Increased tourism to sensitive natural areas without appropriate planning and management can threaten the integrity of ecosystems and local cultures. The increase of visitors to ecologically sensitive areas can lead to significant environmental degradation. Likewise, local communities and indigenous cultures can be harmed in numerous ways by an influx of foreign visitors and wealth. Additionally, fluctuations in climate, currency exchange rates, and political and social conditions can make over-dependence upon tourism a risky business.

    However, this same growth creates significant opportunities for both conservation and local communities. Ecotourism can provide much-needed revenues for the protection of national parks and other natural areas — revenues that might not be available from other sources.

    Additionally, ecotourism can provide a viable economic development alternative for local communities with few other income-generating options. Moreover, ecotourism can increase the level of education and activism among travelers, making them more enthusiastic and effective agents of conservation.

    Experience Great Places Online


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

    #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 is Responsible Travel? #dhanunjaya #travels

    #responsible travel


    While marketing campaigns have long touted ‘destinations’ — travelers are simply entering a place that is someone else’s home.

    If those working in the tourist trade embrace the values we wish developed, then we can make a huge leap forward. The trick lies in listening to locals and visitors to create the opportunites that connect top-down and grassroots efforts. Travel agents, travel providers and travelers are the principal players.

    Here’s my thought: responsible tourism is treating others the way they wish to be treated. This is a variation on the Platinum Rule. it’s also common sense and good manners.

    A growing number of travelers want their journeys to be less invasive and more beneficial to the local community. They want to better understand the culture of the people they meet in the places they visit. Visitors should be mindful that we are entering a place that is someone else’s home. Sounds complicated? Try this — imagine what irresponsible tourism looks like and then imagine its opposite.

    Or put another way – courtesy of the 2002 Cape Town Declaration on Responsible Tourism — responsible tourism creates better places for people to live and better places to visit.


    We ask a lot of tourism these days. that it be eco, that it be sustainable and that it be responsible. These signs are encouraging. Global tourism is experiencing a massive transformation in the 21st century. Travelers and locals are seeking ways of building constituencies with the shared goal of making tourism more responsible.

    Toward that end we propose connecting the natural and virtual worlds. Live Local. Think Global. Respond personally.

    Says noted author and activist Deborah McLaren: Responsible tourism is based on ethics and human rights. It also means support for community-based travelers’ programs, including homestays, guest cottages, ethno-museums, and educational programs that bring tourist dollars directly into communities.


    Responsible travel means extending solidarity over time. Efforts that exhibit continuity make poor situations better and good situations great. How to stay in touch? As Rob Brezsny writes in Pronoia. Choose worthy targets and ransack your imagination to come up with smart, true and amusing praise about them.


    The work ahead lies in connecting top-down and grassroots efforts. Responsible travel means extending solidarity over time. Efforts that lack continuity, even if developed with good intentions, can make situations worse.

    What is the opposite of responsible tourism? How about irresponsible tourism. There is even a Facebook group that discusses the troubling aspects in travel such as wildlife exploitation and irresponsible tour operators.


    Responsible tourism as defined in the 2002 Cape Town Declaration :

    minimizes negative economic, environmental, and social impacts;

    generates greater economic benefits for local people and enhances the well-being of host communities, improves working conditions and access to the industry;

    involves local people in decisions that affect their lives and life chances;

    makes positive contributions to the conservation of natural and cultural heritage, to the maintenance of the world’s diversity;

    provides more enjoyable experiences for tourists through more meaningful connections with local people, and a greater understanding of local cultural, social and environmental issues;

    provides access for physically challenged people; and

    is culturally sensitive, engenders respect between tourists and hosts, and builds local pride and confidence.

    The declaration concludes with a commitment ‘to work with others to take responsibility for achieving the economic, social and environmental components of responsible and sustainable tourism.’


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    Windows Script Host access is disabled on this machine #windows #script


    Fix: Windows Script Host access is disabled on this machine

    If you receive this Windows Script Host access is disabled on this machine, Contact your administrator for details message box, on your Windows 10/8/7 computer, then this post may interest you. Today we will see how you can enable or disable Windows Script Host.

    Windows Script Host access is disabled on this machine

    Windows Script Host or WSH, is a Microsoft technology that provides scripting abilities like batch files, but includes many more features. Such Scripts can be run directly from the desktop by double-clicking a script file, or from a command prompt. It can be run from either the protected-mode Windows-based host wscript.exe. or the real-mode command shell-based host cscript.exe .

    Several HTML malware have been reported to use WSH objects as a result of which, those who do not require this feature, tend to disable it. But disabling WSH, will prevent users from running any scripts, including VBScript and JScript scripts, that rely on this technology and some software may require this feature to be enabled.

    Enable, disable Windows Script Host

    To enable or disable Windows Script Host, type regedit .exe in Run box and hit Enter to open the Registry Editor.

    Navigate to the following key:

    HKEY_LOCAL_MACHINE\Software\Microsoft\Windows Script Host\Settings

    Double Click on it and give it Value Data 1 to enable it.

    • A value of 1 will enable Windows Script Host
    • A value of 0 will disable Windows Script Host.

    Click on OK and exit the Registry. If you don t see this entry, then you may need to create it, as it does not exist by default in Windows.

    You will now, no longer receive the Windows Script Host access is disabled on this machine. In this way you can enable or disable Windows Script Host.

    You can also use our FixWin to fix this issue. It offers a 1-click fix under the Additional fixes section.


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    Traveling Is More Fun At #cheap #airline

    #i travel

    Safety First When Traveling for Enjoyment

    You can find a lot of safety tips online and in offline resources. Traveling is among the most common activities of people, whether it is for pleasure or for business. Frequent travelers are no longer ignorant to these safety tips because they make use of them whenever they are on a foreign place. If you want to make the most of your trip, safety first when traveling is of utmost importance.

    Here are some of the things that you can do to ensure your safety:

    1. When traveling, it’s but natural for you to carry luggage. If you need to place luggage tags, just put your email address and never indicate there your name, phone number, and home address.

    2. Air traveling is already part when going abroad or to a far place. You can see in the news that there are terrorists who sometimes highjack planes. One effective shield that you can use against an attacker (if there is trouble on the plane) is the seat straps. You have to use all your strength in ramming the strap on the attacker’s face. This move will cut off the attacker’s vision and once this happens, you can kick that individual in the groin or in any other sensitive body part. Knock that person until unconscious.

    3. Don’t forget to bring a handy flashlight and batteries. You can use it if there is no light or you can even use it against an attacker when needed.

    4. Don’t forget to carry wallets. If you want, you can take two wallets with you. One wallet can contain some non-important items and a few cash while the other wallet should contain your important IDs, insurance cards, cash, and emergency contacts. Keep the wallets in separate places. For instance, the insignificant wallet can be placed in your pant’s back pocket and the important wallet should be in your coat’s front pocket.

    5. When eating in foreign restaurants, you must acquaint yourself with the place’s layout. Take note of the front and exit doors.

    6. Charge your mobile phone at the hotel. When you leave, bring it with you and other gadgets that can be easily carried. You can even use these gadgets in case of emergencies.

    7. Never travel alone. Through there are some travelers who do this every time they travel, you shouldn’t take the chance. Who knows, perhaps they are just lucky but you’ll never know what’s going to happen in the next few hours. Always be prepared. Remember that devious individuals are just waiting to see a helpless traveler, alone and so vulnerable.

    8. You must be mentally alert at all times. Observe the people around you, how they move or look at you. Somehow, you will feel uneasy if something’s going to happen.

    9. Before you travel to a foreign place, it would be best to make a hotel reservation. That way, you don’t have to fumble or ask for directions in trying to locate a certain hotel.

    10. Don’t travel with so many luggage unless when needed. Try to wear comfortable clothes and don’t wear something that might attract the attention of bad people. Be simple as you are. For women, avoid wearing high-heeled shoes when traveling.

    These are just ten safety measures that you can follow every time you travel abroad or even locally. If you follow them, you can ensure your safety.

    The Pros and Cons of Vacation Packages

    One of reasons why I travel is because I find some great vacation packages available online. Are you interested in taking a trip or a vacation soon? If you are, will you need to book reservations on an airplane? If you will, you will find that you have a number of different booking options. One of those options, which typically comes highly rated and recommended, involves making your travel arrangements in the form of a vacation package.

    Although vacation packages do come highly rated and recommend, for the most part, many travelers are still unsure about buying them. This is most often the case with first time travelers. Many are unsure if vacation packages are really in their best interest. When trying to determine if booking your next travel arrangements in the form of a vacation package is a good idea, you will want to examine the pros and cons of doing so.

    As for the pros or plus sides to booking your travel arrangements in the form of a vacation package, you will find that there are a lot of them. One of those plus sides is that vacation packages are easy to find, especially online. Vacation packages are most commonly offered for sale through online travel websites. These online travel websites can be found with a standard internet search. Online travel websites are websites that allow you to compare airfare, hotel accommodations, and car rental reservations. Using online travel websites, to book a vacation or even just airline reservations, has a whole set of benefits on its own.

    Another pro or plus side to booking your next travel plans in the form of a vacation package is the money that you may be able to save. While there are no guarantees, consumers are typically rewarded for making all of their travel arrangements at once. This is neat, as many travelers already feel rewarded because of the time they are able to save by booking all of their travel arrangements at once. As for saved money, the discount that you will receive will all depend on the vacation package that you are purchasing, as well as who you are making that purchase from. Whether you receive a $5 discount or a $50 discount, you may be pleased with the savings.

    Another one of the many reasons why vacation packages come highly rated and recommend is because they come in a number of different formats. No matter what your travel needs are, you should be able to find a vacation package that can accommodate to you and your needs. For example, do you need to book a flight, make reservations at a hotel, and reserve a car rental? If so, you can do so. On the other hand, if you only need to book a flight and rent a car, you can still find vacation packages that allow you to do so. While most major online travel websites will only include motel, hotels, and vacation resorts in vacation packages, there are specialty travel websites out there that focus on other lodging options, including vacation homes.

    Although there are a number of pros or plus sides to booking your travel arrangements as a vacation package, it is also important to note that there are a number of downsides to doing so as well. Two of those downsides are the restrictions that you may be faced with, as well as the fact that you are not guaranteed to receive any discounts, although most will offer them. As for the restrictions that you may be faced with, not all cities and towns in the United States have accommodations that are needed for vacation packages, like a car rental company or a hotel. With that said, most can be found nearby.

    As you can see, there are both a number of pros and cons to making your travel arrangements in the form of a vacation package. What you are encouraged to do is take these above mentioned pros and cons and apply them to your own personal wants and needs.

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    Deciding Between a Fixed Asset or an Inventory Management System #is


    Deciding Between a Fixed Asset or an Inventory Management System

    According to the State of Small Business report. an incredible 46% of small businesses don’t track their inventory or use a manual process to do so. Inventory and fixed assets are sometimes treated as assets on a company’s balance sheet, though not all assets are inventory. With these practices, it’s not surprising that about 1/2 of all new small businesses don’t survive past the first five years. Inventory and assets are actually very different things. Inventory is what is sold to make a profit, and assets are what help the company obtain, maintain and sell off their inventory. When deciding between a fixed asset or inventory management system, this difference is crucial to understand, particularly for brick and mortar companies .

    The Basics

    What’s the difference between the two? The key difference is that inventory is the materials, work-in-progress goods and finished products a company intends to sell to earn revenue. It is the company’s product, or it is a component used to create the company’s product. In order to stay in business, the company must sell inventory, send it into the distribution channel, or use it in production. Fixed assets, on the other hand, may be used in production of the company’s products, such as equipment or machinery, but they are not part of the company’s normal revenue stream or product line. They are rarely sold under a year’s time, unless the company is upgrading equipment or selling a facility or, in a worst case scenario, closing.

    Wasp Inventory Control Tour

    Why is keeping track of inventory important? Inventory is considered a “current asset” by the company’s accounting team, which means that the company plans to sell the asset in the short term.
    Over time, some inventory may become obsolete, or there may be too much on hand to sell within a reasonable period. An inventory system must include the ability to identify excess and obsolete inventory so that the company can adjust for this slow moving or non-moving inventory. Conversely, if your on-hand inventory is too low, you may lose sales due to inability to meet demand. This is where knowledge of your inventory turnover ratio comes in handy.

    Why is keeping track of fixed assets important? Fixed assets. also known as hard assets, are considered long-term assets on the balance sheet. This means that the company expects to profit from use of the asset for a long time often referred to as its useful life. However, fixed assets do have a finite useful life, and accountants must record the decline in usefulness (the assets’ value) by recording periodic depreciation. Over time, each asset’s value is reduced, but financial statements will continue to use the original cost of the asset rather than its current market value. To know how much value your assets are worth at any given time, you’ll need a tracking system.

    Inventory: Inventory is products your business sells

    Assets: Assets are items that you company owns and uses internally (computers, copy machines, software)

    Tracking Systems

    What do inventory tracking systems account for? There are several reasons to track inventory. One important function is to monitor sales. Inventory tracking systems can follow your products as they move in and out of stock or production, as well as when they sell it in order to calculate the cost of goods sold. You can also ensure the safety of your inventory (via surveillance or alarms) and maintain your inventory turnover ratio by ensuring the accuracy of your databases and eliminating excess stock. Unlike fixed asset management systems, inventory systems normally do not include the ability to plan and schedule maintenance on items in stock, even if such items would normally require periodic maintenance while they are in service. For example, companies that sell machinery and equipment don’t perform maintenance on the equipment in inventory, despite recommending that customers who use the equipment maintain it regularly. Equipment in inventory is not in use for its intended purpose, so it does not require maintenance until it is sold and the customer begins using it.

    What do fixed asset systems need to track? A fixed asset system must have the ability to calculate and record each asset’s depreciation. The best fixed asset systems have multiple depreciation methods they can use to calculate periodic depreciation. The most common depreciation method is known as straight-line depreciation. which is the initial cost of an asset divided by its useful life. Other methods include double declining balance and sum of the year’s digits. To combat depreciation, fixed asset management systems should have the ability to track required and preventive maintenance on equipment. This allows companies to plan and schedule necessary repairs, calibrations, and tune-ups to equipment; thereby prolonging the useful life of its assets. Fixed asset systems that include enterprise asset maintenance answer this need. Finally, fixed asset management systems can monitor the check-out/check-in process of said assets according to company policy. Examples of fixed assets that can require a check-out/check-in process include durable tools or equipment such as computers or projectors. When fixed assets that go through these processes aren’t properly tracked, they can become lost, stolen or otherwise unprepared for use when needed. Private companies and the public sector alike can benefit from a centralized database that automates the tracking process.

    Asset Tracking Software

    When selecting a system to manage your company’s assets. it pays to understand whether what you own consists of consumable inventory or fixed assets, even if some of the processes and terminology are the same. You should never overlook the importance of maintaining records of these assets.

    It may be helpful to work with a solution provider with expertise in both types of applications so they can discuss your company’s specific needs and guide you to the correct system.


    If you need help picking the right system for your business, call Wasp Barcode at 866.547.9277 and we will guide you through the process and make sure you get a system that right for you application.

    How will differentiating between assets and inventory help ensure accuracy on your company’s financial statement?

    Related content:


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    Electron Cloud – Atomic Structure Seminar #what #is #a #electron #cloud


    I’m here to learn about the history and the structure of the Atom. So far I think I have a good understanding of the subject, but I still haven’t gotten an answer as to how they came up with the entire concept of the Electron Cloud.

    A good question. I do not blame you for asking. This answer is based in the research of a man named Werner Heisenberg, who created a theory called the Uncertainty Principle. To understand this, you must first learn the difference between Newtonian Physics and Quantum Physics. Do you know this already?

    Newtonian physics is the physics that you are most likely familiar with. In Newtonian Physics, you can know or determine the location of a object by knowing it’s mass, it’s momentum, and other factors such as resistance. For example, take a cannonball being shot out of a cannon. You would know the mass and momentum of the cannonball, and the angle that the cannon shot the cannonball at. From that, you can determine it’s precise location. However, now consider Quantum Physics. In Quantum Physics, normal laws of Newtonian physics do not apply, and from that, we have Heisenberg’s uncertainty principle, which states basically, that the more accurately a object’s momentum is known, the less it’s location at it’s given time is known, and vice versa. Therefore, you cannot determine the precise location of a Electron at any given time, and the best you can do is determine a area that the particle could be by probability. Thus us the electron cloud model.

    Wow. That was so clear. Now I understand everything! No wonder why they call you the Draco-Genius. Thank you so much, Draco-Genius Niv!

    So now young Norin’s quest is over. But you must answer one final question. It’s very simple.


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    What is Fire Science? #fire #science #online #degree, #what #is #fire


    What Is Fire Science?

    Fire science is the study of all aspects of fire, from fire behavior to fire investigation. Many of those seeking to become a firefighter or obtain a career in fire prevention, protection, or safety might pursue a degree in fire science. Read on to find more information about fire science. Schools offering Fire & Emergency Services degrees can also be found in these popular choices.

    Field Overview

    Fire science uses principles of science and engineering to study the causes, effects, and prevention of fire. Firefighting, fire safety, fire protection, and prevention are main areas of study in fire science. In addition, fire science encompasses fire management, fire behavior, fire investigation, and hazardous materials.

    Important Facts About Fire Science Programs

    Fire codes and law, EMT basics, rescue procedures

    Undergraduate certificate, associate’s degree, bachelor’s degree, master’s degree

    Programs are offered fully online and in hybrid format

    Firefighter, Fire Inspector and Investigator


    From firefighting tactics to the use of firefighting equipment, fire science addresses nearly all aspects of firefighting. How to use firefighting apparatus and the principles of hydraulics, pumps, and water supply are covered in addition to safety and victim recovery. Advanced degree programs in fire science typically offer courses in emergency management and fire administration.

    Fire Protection and Prevention

    Fire science is also the study of fire protection and prevention. Fire science involves studying principles of building construction for the development of fire protection systems. Introductory and advanced studies in fire prevention are included in a fire science degree program. Fire science also explores the principles of hazardous materials management.

    Fire Investigation

    Fire analysis and fire or arson investigations are other areas of study in fire science. The study of fire damage and the investigation of specific types of fires, such as vehicle or electrical fires, are key parts of the fire science field. Fire investigation methods, how to handle evidence, and investigating fatal fires are among the other topics that fall within the realm of fire science.

    Career Outlook and Salary Information

    According to the U.S. Bureau of Labor Statistics (BLS), firefighters are expected to see a slower-than-average employment growth of 7% between 2012 and 2022. The BLS predicts that fire inspectors and investigators will see similar employment growth of 6% during that time.

    In May 2014 the BLS released salary information for these professions. Firefighters earned a median income of $45,970 per year, while fire inspectors and investigators made an annual median wage of $56, 130.

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


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    Microsoft Arc Touch Mouse Review – Is It the Perfect Travel

    #arc travels

    Microsoft Arc Touch Mouse Review – Is It the Perfect Travel Mouse?

    by Josh Kirschner on September 01, 2010

    Today, Microsoft announced the launch of the Microsoft Arc Touch Mouse a full-size mouse that folds flat for portability. The Arc Touch Mouse, which measures less than 15 millimeters at its widest point, easily slides into a briefcase, purse or pocket, making it the perfect travel companion for computing on the go.

    I first saw the Arc Touch Mouse at a Microsoft event back in June and received a review unit this morning. It’s a great little product and one that I definitely plan to take with me when working out of the office. While not as comfortable as my regular mouse, it is far more usable than most other travel mice I’ve tried.

    Folding the Arc Touch Mouse flat requires a simple push. It turns off automatically when flattened and turns on again when popped up. A tiny magnetic snap-in Nano transceiver stores conveniently on the bottom of the mouse.

    The Arc Touch Mouse features a touch scroll strip , instead of a standard scroll wheel. The scroll strip uses a capacitive sensor pad to sense the movement of your finger and has three virtual tap buttons for paging up, paging down and a user programmable middle click area.

    The strip also uses haptics to provide vibrations that simulate the bumps you would feel while using a traditional scroll wheel. I liked the effect, finding it gave a very natural feeling, similar to that of a physical scroll wheel. However, the vibration also creates a clicking noise, which I could see annoying your seatmate on a flight or the person at the next table in Starbucks. Thankfully, it can easily be turned off, when necessary, through Microsoft’s IntelliPoint software.

    The Arc Touch has standard left/right buttons, but no side buttons.

    Microsoft claims that the two AAA batteries give the Arc Touch Mouse more than six months of battery life, and a battery life indicator lets you know when the power is running low.

    The Arc Touch Mouse is available on for $45 .


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    Vintage Stereo #vintage #stereo, #audio #systems, #speaker #repair, #stereo #service, #restoration

    Vintage Stereo sells Vintage Stereo Equipment and Audio Systems, does Speaker Repair and Stereo Service and Restoration on Vintage Turntables, Amplifiers, Tape Decks, Receivers and Tube Equipment.
    40 Years of Trusted Audio Service Experience.
    HiFi Audio Sales, Repair and Restoration in Rockford IL.

    Greetings Everyone!

    Watch for New Items Daily! Updated 5/28/17.
    Checkout The 20 New Vintage Stereo Items on The Website Today.
    New Cassette Decks, Disc Players and Surround Receivers, Several New Speakers and Some New Conrad Johnson Tube Pieces !
    Keep watching, Thanks!

    We are Currently working on a Complete Overhaul of Our Website, to make it more Mobile Friendly. Watch for the Changes. You will Know it when it Happens!

    We have recently become a dealer for the new Teac Turntables. We look at hundreds of Turntables a month for restoration and repair. Teac’s new line is quality built, beautiful to look at and has everything an Audiophile would want in a modern Turntable. Check them out. New Teac TN-570 Turntables.

    We have Hundreds more items on their way very soon. Keep watching. Marantz, Pioneer, Sansui and many new Tube items, all Fully Restored and Ready for Sale.
    Newest Items will appear First on the Page.

    Are You looking for Vintage and Hi-End Stereo Restoration Work? Now is a Good Time to get Your Equipment into Us. We are currently at about a 4 Week Turn-around Time. Give Us a Call or Check out our Restoration Page.

    We endever to continue to supply all our customers with the Highest Quality Repair and Restoration Services in Vintage Stereo and High-end Audio Equipment. Contact us for anything that you may be searching for.
    We purchase, restore and display new items every week.
    So keep watching and tell your friends.
    Join us on Facebook and be the first to get access to new deals and items as they are posted.

    Mark Peabody
    CEO Soundsclassic & Video Lab, Inc.

    Contact Us

    Phone: 815-398-0560
    Email: Please contact us by telephone as we can no longer handle
    the large amount of emails sent to us on a daily basis. Thank You.

    4444 Center Terrace
    Rockford, IL. 61108 USA

    They’re not our Competitors,
    They’re our Comparitors!

    Visit our Friends at-

    Audio Classics.Com
    For more Fine Quality High-End Audio!
    Great Reference Source for Vintage Marantz, Pioneer and Sansui.

    Consolidated Electronics
    The Best Source for NOS Parts and Discontinued Semi-conductors.


    Like the 70’s era that it portrayed, HBO’s Series ‘Vinyl’ is now a memory.
    HBO has decided to cancel the show after only one season.
    Still worth watching if you have not seen it. See all the Vintage Stereo
    and Studio Equipment We Restored for this Series, helping Martin
    Scorcese and Mick Jagger Recreate the 1970’s for HBO’s Series ‘Vinyl’.
    Started Febuary 14, 2016. Sorry to see it go.
    See some of the 80+ items we Restored
    and Provided at Rock_n_Roll Props.htm

    Copyright 2017 Updated 5/28/17


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    Is Travel Supermarket Down Right Now? #media #travel

    #travel supermaket
    # website not working? Is it down right now?

    JavaScript is required. Please enable JavaScript in your browser.

    Travel Supermarket Website Status History

    The above graph displays service status activity for over the last 10 automatic checks. The blue bar displays the response time, which is better when smaller. If no bar is displayed for a specific time it means that the service was down and the site was offline.

    If the site is UP but you cant access the page, try one of the below solutions:

    Browser Related Problems

    Force a full refresh for the site. This can be achieved by pressing CTRL + F5 keys at the same time on your favourite browser (Firefox, Chrome, Explorer, etc.)

    Clear the temporary cache and cookies on your browser to make sure that you have the most recent version of the web page. For instructions choose your browser.

    Fix DNS Problems

    A Domain Name System (DNS) allows a site IP address (192.168.x.x) to be identified with words (*.com) in order to be remembered more easily, like a phonebook for websites. This service is usually provided by your ISP.

    Clear your local DNS cache to make sure that you grab the most recent cache that your ISP has. For Windows – (Start > Command Prompt > type “ipconfig /flushdns” and hit enter). For details choose your operating system.

    If you can access a website at office or from a 3G network yet it’s not working on your computer, it is a good idea to use an alternative DNS service other than your ISPs. OpenDNS or Google Public DNS are both excellent and free public DNS services.


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    What is Hosting Server? Webopedia Definition #hosting #server, #definition, #define, #what


    hosting server

    Related Terms

    A server dedicated to hosting a service or services for users. Hosting servers are most often used for hosting Web sites but can also be used for hosting files, images, games and similar content. Hosting servers can be shared among many clients (shared hosting servers) or dedicated to a single client (dedicated servers), the latter of which is particularly common for larger Web sites where the hosting needs of the Web site owner necessitate more control and/or bandwidth.

    See also “All About Web Site Hosting” in theDid You Know. sectionof Webopedia.

    hosted VoIP

    hosting services

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    Java is a high-level programming language. This guide describes the basics of Java, providing an overview of syntax, variables, data types and. Read More

    This second Study Guide describes the basics of Java, providing an overview of operators, modifiers and control Structures. Read More

    The Open System Interconnection (OSI) model defines a networking framework to implement protocols in seven layers. Use this handy guide to compare. Read More


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    BYOD Security: Tips for Reducing Risks #byod #security #software, #what #is


    BYOD Security Policies

    BYOD: Bring Your Own Device, Secure BYOD Policies and Mobile Management

    What is BYOD?

    BYOD is short for Bring Your Own Device, a phrase that refers to the practice of allowing employees to bring their own mobile devices to work for use with company systems, software, networks, or information. BYOD has become a huge trend amongst enterprises, with nearly 1/3 of employees using personal devices at workplaces worldwide. 1 BYOD can provide several key benefits to enterprises, including increased productivity, reduced IT and operating costs, better mobility for employees, and higher appeal when it comes to hiring and retaining employees. However, with these benefits comes an increased information security risk, as BYOD can lead to data breaches and increased liability for the organization.

    BYOD Security through BYOD Policy

    Establishing BYOD security starts with BYOD policy creation. A strong BYOD policy accomplishes several objectives for the organization. BYOD policy should address basic considerations such as the goals of the BYOD program, which employees can bring their own devices, which devices will be supported, and the access levels that employees are granted when using personal devices. Beyond these factors, more in-depth considerations for BYOD policy include:

    • Who will pay for the devices and data coverage required?
    • What regulations (government, industry, or otherwise) must be adhered to when using employee devices?
    • What measures (configuration, software installation, etc) will be taken for securing devices prior to use?
    • Where will data from BYOD devices be stored (locally, in the cloud, etc)?
    • Will there be an agreement for employees that wish to bring their own devices?
    • What happens if an employee violates BYOD policy?
    • What privacy will be granted to employees using their own devices?
    • What support (software updates, troubleshooting, maintenance, etc) will the organization provide for BYOD users?
    • What safeguards are in place if a device is compromised?
    • What methods will be used for securing devices before they are retired, sold, or disposed of?

    Once a policy has been created, maintaining BYOD security depends on an organization s ability to educate its employees on BYOD best practices, implement effective device management and support, and enforce BYOD policies. Employees that are not trained on BYOD security will only increase BYOD risks for the organization. Therefore, creating a sound BYOD program must be a collaborative effort between an organization s employees, IT and security teams, and management.

    Ten Tips for Securing Devices and Reducing BYOD Risks

    These tips should serve as a BYOD security best practices guide for end users and IT/security teams alike. While it is impossible to guarantee BYOD security, following these recommendations will help organizations to mitigate BYOD risks by securing devices.

    1. Use password protected access controls: It may seem obvious, but setting a password/access PIN is a critical first step in BYOD security that many users choose to ignore. Passwords should be unique for each device/account and should not be generic or easy to guess.
    2. Control wireless network and service connectivity: Wi-Fi and Bluetooth connectivity should be turned off when not in use, and employees should only connect their devices to trusted networks. Devices should be set to prompt users before connecting to networks so that employees aren t unknowingly connecting to unsafe networks.
    3. Control application access and permissions: Many devices have built-in access control features. Organizational IT and security teams should assist users in optimizing their access control and app permission settings so that each application can access only what it needs to function and nothing more.
    4. Keep OS, firmware, software, and applications up-to-date: Users need to ensure that all of their devices OS and other software are updated in real time. This is a critical step because software updates often contain security patches to protect users from the latest threats or exploits.
    5. Back up device data: All enterprise users should periodically back up the data on their devices. Backing up data in conjunction with having security and recovery procedures in place will greatly reduce the fallout should a device be lost or stolen.
    6. Enroll in Find my Device and remote wipe services: All BYOD devices should be subscribed to a device locator service. In addition to being able to track a missing device, these services usually have the ability to wipe a device remotely, a critical last-resort measure for ensuring BYOD security in the event of a lost or stolen device.
    7. Never store personal financial data on a device: Employees should avoid saving any financial or otherwise sensitive data on their devices. This precaution ensures that confidential data is safe even if a device gets compromised.
    8. Beware of free apps: Many free applications have been found to track users and share user information with advertisers or other third parties. Enterprise users should review app permissions prior to downloading and download only from trusted publishers. IT and security teams can assist employees by providing lists of applications that are approved for download.
    9. Run mobile antivirus software or scanning tools: There are many commercially available antivirus and security applications that scan and protect devices from common threats. IT and security teams should assist employees in selecting and installing antivirus software prior to using their devices at work.
    10. Use Mobile Device Management (MDM) software as recommended by IT: Many IT and security teams use Mobile Device Management (MDM) software for securing devices. Mobile device management software enables IT teams to implement security settings and software configurations on all devices that connect to company networks.


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    Is Travel to China Safe? #cheap #cheap #airline #tickets

    #travel safe

    Is Travel to China Safe?

    (Photo: china image by Luisafer from )

    Related Articles

    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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    Human Resources Analyst Salary #is #a #masters #degree #in #human #resources


    Human Resources Analyst Salary

    Job Description for Human Resources Analyst

    A human resource analyst uses various techniques and computer programs to analyze data related to their organization’s human resources department. They collect, analyze, and use this data to provide management with valuable information on how to attract better candidates, how to better motivate current employees, how to address current staffing issues, and how to meet laws and regulations related to staffing.

    Another large part of the human resource analyst’s responsibilities is to ensure employees are operating at maximum efficiency. To accomplish this, the human resource analyst needs to determine how to ensure employees are working at peak productivity at the lowest possible cost to the company. This involves speaking with employees and supervisors so the analyst can recommend a plan of action, whether it be to attempt to improve skills employees may be lacking, replace current employees, or hire new employees to better distribute workloads. The human resource analyst reports their findings to company management and recommends ways to use the information to the benefit of the company.

    A human resource analyst usually works a standard 40-hour workweek in an office environment. They are part of a human resource team and frequently interact with other members of the team to acquire data.

    To become a human resource analyst, a bachelor’s degree is required, usually in human resources, industrial psychology, business, or a related field. In addition, employers frequently request candidates have two to five years of experience working in human resources. Also, most human resource analysts are expected to be familiar with Human Resources Information System (HRIS) software.

    Human Resources Analyst Tasks

    • Administer human resources functions, such as recruitment, reviews, compensation studies, leave and benefits administration.
    • May assist with payroll administration.
    • Review, interpret and recommend changes to human resources policies.
    • Collect and analyze human resources data; track trends and developments in employee analyses.

    Common Career Paths for Human Resources Analyst


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    5 Benefits of TMS (Transportation Management System) #what #is #tms #software


    5 Benefits of TMS (Transportation Management System)

    There are many benefits of TMS that manufacturers, distribution companies, and anyone who ships freight realize. They go often way beyond just the cost of shipping freight. If you can look at your freight and transportation department as more than just a cost, then you are thinking in the right direction on how to holistically help your business leverage a TMS for the maximum ROI.

    A transportation management system (TMS) helps companies move freight from origin to destination efficiently, reliably, and cost effectively. TMS encompasses solutions for moving freight in all modes and also includes intermodal movements. The TMS processes include freight transported inbound or outbound, domestically or internationally; using transportation assets owned either by the company or an outside service provider. The freight managed by a TMS ranges in size from parcels to bulk commodities.

    Perhaps no other supply chain application offers so many ways to save money or drive value. But the main reason companies implement a TMS is to reduce freight spend. A TMS achieves these savings based on process enforcement, analytics, and optimization; with virtually no other supply chain application offering so many different forms of optimization.

    There is a particular focus on the degree to which a TMS can reduce freight spend. Several methods can be used to reduce freight spend, with the different “savings buckets” having different levels of savings.

    Shippers that implement TMS solution compared to traditional methods of transportation management perform better in terms of service levels and freight savings. So let’s explore a few areas where there are further benefits of a TMS.

    Increased Customer Service

    When you have the ability to use a TMS with reporting and analytics you are able to see the affect of your choices within that TMS. For example, let’s say you were shipping LTL, and at time of processing the shipment, you have a carrier you can choose based on time of transit, cost of shipping, and insurance limits. Let’s say you choose one carrier 10 times because it’s the lowest cost, which you naturally want to choose. 5 other times you pick another carrier, because they happened to be the least cost carrier, but not always are they the cheapest. After a month goes by, and you use the reporting capability of the TMS, you see that although you chose the carrier 10 times, they only got the product to the customer on time 60% of the time, and you are always having to run customer service interference, wasting valuable time and money. With the other carrier, they are on time 100% of the time! This is valuable information, allowing you to increase your customer happiness by making sure the customer has no issue with receiving their product. Now that is increased customer service!

    Warehouse Efficiency

    So how does a TMS help in warehouse efficiency? The MORE you use your transportation management system the more you decrease time on freight management and more time working on other projects such as warehouse duties. Furthermore if your TMSintegrated into systems. such as your ERP, you decrease days entry error providing less time spent on data entry or correcting mistakes caused by entry error. In combination with a Warehouse Management System, you get the overall combined Supply Chain visibility you need to make business decisions that drive further cost savings and decrease inefficiencies.

    New Delivery Capabilities

    A robust TMS offers the ability for you to optimize the way you ship. For example, you may want to put together pool point distribution programs or set up inbound programs between multiple locations within your organization, this increasing overall efficiency and cost savings. A Transportation Management System can allow you to easily create a master bill of lading and you can have individual logins with your multiple locations which can then be managed by one person.

    Inventory Reductions

    When a TMS gives you confidence that your customers are receiving their shipments on time, it allows you plan better for your inventory you have on hand. Having an accurate forecast of your inventory is increasingly important as eCommerce freight shipping continues to increase for the foreseeable future.

    Cash Flow Improvements

    By employing proper freight accounting. through freight payment, auditing, and consolidation services, within a TMS solution, a shipper can go from paying $11 per freight invoice, all the way down to only 5 to 10% of the $11, according to Inbound Logistics magazine. Additionally, by employing an outsourced provide of freight accounting services, a company cansave 2 percent to 5 percent of their total freight bill by catching inaccurate charges or duplicate payments .

    What other benefits would you say a derived from a TMS implementation other than the ones stated above? Let us know in the comments below!

    Other Posts You Might Like:

    • 3PL Providers: 7 Core Reasons to Outsource Non-Core Functions, Like Transportation Management to One
    • Concealed Freight Damage: NMFTA Changes Reporting Window Effective April 18, 2015
    • The Top 10 Most Common LTL Shipping Mistakes Made by Shippers
    • [Infographic] Helpful Trucking Apps for Today’s Truckers: Tech for the Long Haul
    • Freight Driver Shortage Update: Will 2017 Come to a Head Cause Issues for Shippers?


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    Access (almost) all areas: the British passport is No. 1 for

    #no1 travel

    Access (almost) all areas: the British passport is No.1 for visa-free travel

    Holders are able to visit 173 of the world’s nations while Afghans can visit only 28 countries free of formalities

    Brits can enjoy visa-free travel to 173 countries Getty Images

    The British enjoy the widest range of visa-free travel on the planet. Along with citizens of Finland and Sweden, holders of UK passports are able to visit 173 of the world’s nations without applying for a visa.

    The annual 2013 Henley Partners Visa Restrictions Index ranks countries according to the number of nations their citizens can access with just a passport. The results show that membership of the European Union is a key determinant of ease of movement across frontiers.

    Nine out of 10 of the top countries are EU members: Denmark, Germany, Luxembourg, Belgium, Italy and the Netherlands join the leading three, with only the United States representing the rest of the world. Citizens of all these countries can travel to more than 170 other nations visa-free.

    The least advantageous passports to possess remain the same as they have in previous years. Pakistan and Somalia tie for third-worst place, with just 32 nations allowing passport-only access. Citizens of Iraq can visit only 31, while the least popular nationality in terms of red tape is Afghanistan. Holders of passports issued in Kabul are able to visit only 28 countries free of formalities, with 87 per cent of the world’s nations putting up the shutters.

    The compilers assert that there are 219 countries in the world. No nationality is able to access as many as 80 per cent of the destination countries, but there is a strong correlation between average wealth and access to open frontiers. The second group of 10 countries includes Canada, Japan, Norway, New Zealand and Switzerland.

    The imbalance between ease of access for citizens of rich nations and the lack of openness displayed by those countries was revealed in a World Tourism Organization report, which reported that three-quarters of the world’s population requires a visa ahead of travelling to Europe.

    In the Henley Partners survey there is a wide gap between the “old” EU and the “new”. Of the former Iron Curtain countries, Hungary performs best. Bulgaria and Romania are a long way down the list, sandwiched between Brazil and Barbados. Russians are allowed visa-free access to 95 countries, one more than citizens of Turkey and South Africa – the highest-placed African nation. South Africans are significantly better placed than the four lowest-placed European countries: Bosnia-Herzegovina (91), Albania (88), Belarus (61) and Moldova (59). The latter lies below Cuba, Kazakhstan and Zimbabwe.

    Citizens of the two most populous nations are placed low in the listing. India, with 1.2 billion people, issues a passport that opens doors to only 52 countries – one fewer than Burkina Faso and Indonesia, the fourth-most populous. China, with 1.3 billion, rates only 44, behind Vietnam, Cambodia and East Timor. This week the Home Secretary, Theresa May, indicated that she will relax Britain’s tight visa rules in a bid to encourage more tourism from the People’s Republic. Citizens of Hong Kong and Macau, both autonomous regions of China, can travel to many more countries – 152 in the case of Hong Kong.

    At the other end of the size and population spectrum, being small is no guarantee of accessibility. San Marino, Andorra and Monaco fail to break the 150 barrier, though Liechtenstein makes 159.

    Neil Taylor, a guide and tour operator with wide experience of present and former communist countries, said there was evidence of individual locations over-riding national rules in order to attract tourists: “Russian visas remain complex, but if you take a cruise to St Petersburg you can dodge the red tape. The same applies to the 72-hour stopover scheme just introduced by several major gateways to China.”


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    Affiliate marketing in travel is dead or should be #flights #cheap

    #travel affiliate programs

    Affiliate marketing in travel is dead [or should be]

    Jul 4.2012

    NB:  This is a guest article by Martin MacDonald, SEO director at Expedia Affiliate Network. covering SEO and social media.

    A few weeks ago I was lucky enough to be asked to speak at the A4U Europe Conference in Barcelona.

    One of the panels was looking at the future of affiliate marketing, and the last question that we were posed was as follows:

    What is the number one hint you could give an affiliate?

    The answer given elicited a round of applause from the audience – which was made even stranger as my rebuttal was:

    Stop being an affiliate, take control of the conversion funnel, and build something with substance and value.

    Now that may have seemed a crazy thing to say, especially at an affiliate focused conference, but allow me to qualify my reasoning.

    Affiliates lack control

    Building a credible business which attracts converting traffic is neither an easy, nor a cheap matter for most businesses. Content production and marketing costs alone can run into the tens of thousands of dollars for even a reasonably basic site.

    If your investment hinges on the conversion abilities of another merchant, you are exposing yourself massively to that other brand.

    Apart from the lack of influence in the conversion funnel, as an affiliate you are also losing (most of the time) the ability to market and remarket directly to your qualified leads – the people that have purchased a product previously after being through your site; aka your customers.

    The last thing on a the topic of control is the ability to run specific campaigns that work for your customers – merchant websites generally have to cover as wide a set of demographics as possible, but you might operate within a very distinctive niche which may have specific needs.

    Affiliate websites are hated by Google

    This is a tough one, affiliate websites have for the past few years been one of Google’s main projects to make life difficult in the results.

    This may seem unfair, but if we switch things around and look at this from the search engine’s perspective, I think its perfectly reasonable.

    Let’s say you were looking for a hotel in Southern Spain for a family holiday, and you google something relevant, maybe family hotels costa del sol , and the first ten results are all pretty much carbon copies of each other, that’s hardly a good experience for the consumer.

    That’s why google have really cracked down in the last two years on affiliate sites built using database information as opposed to unique content.

    To break it down simply, its pretty easy to spot which sites have been created by some clever manipulation of data files (be it a list of hotels from Expedia, right through to a list of discount codes from an affiliate network), as opposed to a site which has been hand written with unique and interesting information.

    So what’s the solution?

    The perfect solution is to stop sending your valuable traffic to a merchant site to convert – vertical integration of the supply path.

    That’s simply not a practical proposition though for most affiliates in most industries. I spent many years working in the online gambling industry, where developing your own product can costs hundreds of thousands of dollars, and even white label solutions start in excess of $20,000 in set-up costs.

    Luckily travel doesn’t operate like that – there are plenty of fully white label solutions out there which are free to use and get setup on, from almost every main supplier of travel products.

    With these products you can offer a seamless experience to your visitors by allowing them to find your site, research the product on your site, and convert on your site.

    Crucially of course, you then keep the data, and they purchased the product from you, NOT from the merchant, therefore you are more likely to receive the added benefit of repeat orders.

    Another consideration here is one of branding – when you are looking to build a business with longevity online, the branding is one of the primary assets.

    After all, with an online (affiliate model) business physical location and stock etc. rarely come into play.

    An example from another vertical is – on the face of it, it is just a financial affiliate site – but as a brand it has become synonymous in the UK with financial products, which is why it managed to sell at a value in excess of $130 million.

    That valuation is based on the brand of the website, NOT the revenue.

    More examples (again from the finance industry) of the importance of the brand, is the extraordinary lengths major affiliates are going to these days even where it seems impossible to build something that is fun, on topic and resonates with consumers.

    UK financial services site CompareTheMarket realized this in the creation of its Meerkat campaigns ; GoCompare  likewise with the tenor campaign – and the list goes on.

    That’s the secret sauce that every merchant operates their affiliate program in the knowledge of.

    While the affiliates might refer good leads at an expensive cost (vertical dependant), merchants are fully aware that they get to keep the repeat business, and even if no sale is made they get qualified traffic for free – additionally helping the branding.

    Attracting the customers in the first place though is one of the toughest parts of the value chain. Don’t sacrifice any more of your marketing efforts – bring your sales funnel in house using white label solutions, and build additional value into your business!

    NB:  This is a guest article by Martin MacDonald, SEO director at Expedia Affiliate Network. covering SEO and social media.


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