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    03/05/2018

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    401(k) Participants Turn to Pros For Help Managing Their Money #mexico

    #hotel and flight packages
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    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    07/01/2018

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    Asking for a lot of money #airline #tickets

    #cheap hotel deals
    #

    Asking for a lot of money

    Most people dream of making a lot of money. The question is, what does that mean?

    The truth is that money is highly subjective. Certainly, a billion dollars is a lot of money; there are only a handful of billionaires in the world. Is a million dollars a lot? In terms of total wealth, no; a significant minority of the population has a million dollars or more in total assets to leave to their heirs, largely due to the appreciation of real estate. Were one to make a million dollars a year, however, that person would be among the most highly paid in the world.

    Personal perception has a significant role in determining the amount of money that a person can expect to make. The reason for this is that the two factors that most influence earnings–level of demonstrable skill, and payment requested from an employer–are very dependent upon the individual. Moreover, while skill is partially based on individual confidence and partially dependent upon innate ability, the amount of money that a person asks an employer to provide is solely based on the individual.

    Of course, the two are related. One cannot have a minimal skillset and expect to receive a high salary. However, many people have excellent skillsets yet are paid comparatively little versus their peers. Why?

    The truth is, they probably didn’t ask–or if they did, they didn’t ask in a way that conveyed they really thought that they deserved what they wanted. In many cases, the boss knows the most that he or she can pay, but will be pleased to pay less if an employee will accept it.

    Of course, the boss will not tell the employee what he or she can actually afford to pay. But dealing with that is comparatively easy in the Information Age: there are salary guidelines for given locales and positions available on the Internet. The real challenge is not asking a high level of compensation, but feeling that you deserve the high level of compensation for which you are asking.

    To do that, one must understand the relative value of money. We have established that being a billionaire is truly remarkable, and that accumulating a million dollars over a lifetime is not but that making a million dollars per year is. What about lower income levels–the sort that we tend to see in everyday life?

    How much is a lot?

    The U.S. Department of Health and Human Services Federal Poverty Guideline for a family of four in 2006 is $20,000. A family that makes this amount or less is, by definition, poor.

    The median income reported for a family of four in 2006, however, ranged from a low of $45,867 in New Mexico to a high of $87,412 in New Jersey. These figures include single- and multi-earner households.

    Consider a candidate in New Jersey who holds a degree in a moderate-demand field. Will he or she accept a salary of $20,000? Probably not. Expecting a salary of $87,412 may seem excessive, though, because he or she would, as a single earner, be requesting the average income of a family of four.

    But is it excessive? Actually, no; if $87,412 is the median salary–meaning there are an equal number of earners above and below that mark–the candidate could, in fact, confidently request $90,000 or more. The reaction from a hiring manager would depend in part on the industry and also in part of the applicant’s specific skillset. Another candidate, in another job, however, could ask for it and get it. The trick is to have the audacity to ask.

    A real-life story

    Shortly after I finished college, someone I knew earned $40,000 a year. His stated goal was to reach a salary of $50,000. He worked hard to apply himself to education and professional development, and volunteered for special projects to expand his skillset.

    His next job offer caught him off-guard: $73,000. He took it, of course, astonished at how much he now made. Within a few months, though, he realized that others in the field made considerably more. He stayed active in professional development and worked hard to master new skills.

    A year into the job, he requested an increase in salary, providing his employer with salary survey data and other information. He received a raise to $89,000 and was offered an incentive plan based on performance.

    After three years, he decided to leave. He interviewed at a number of top companies that were excited to meet him. He had an offer from one for $110,000 and then got an offer from another for $115,000. Deciding that he prefered the first company, he asked if they would increase their offer. Knowing that this would require approval, however, he offered to take an initial salary of $100,000 until he finished his probationary period. They accepted.

    Four years ago, he aspired to someday make $50,000. Today, he makes $115,000–and considers $200,000 to be easily within reach given a few more years. And why?





    05/01/2018

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    Booking Flights In Advance: Do You Really Save Money? #cheap #hotel

    #book airline flights
    #

    Booking Flights In Advance:

    Page 1 of 2

    For many years, nerds the world over have been trying to dig up trends in airline pricing data. Of course, airline companies, being smart behemoths with lots of money, have their own herds of nerds who spend their time figuring out how to maximize revenues through ticket pricing strategies. Unfortunately for us, this statistical nerd battle means that the trends that can be extrapolated are few and far between, as the airlines deliberately avoid certain trends so they can sell the most tickets for the maximum price. The doubt that exists as to whether you ll get a cheaper ticket is partly engineered to encourage you to buy as soon as you know you want to make a trip (pantomime hissing and booing is appropriate at this stage).

    Recent research has revealed more about the pricing strategies of the airlines, most of which change their ticket prices a number of times a day. It becomes apparent that a change in ticket-hunting strategy is, therefore, also necessary (and that those blog posts on booking at midnight are rubbish). Here s your guide to when it usually is cheaper to book in advance, and when it most certainly isn t.

    when it s cheaper

    Midweek, out of season

    The clich is true midweek flights are cheaper. A trip from Chicago to New York is presently 15% to 20% more expensive on days other than Tuesdays or Wednesdays. If you re flying high season, it might be worth booking in advance just to be able to get a midweek ticket, but also because the prices go up as demand goes up and planes get full.

    Two months before the flight

    There is no conclusive evidence that flights are cheaper if you book ages in advance. In fact, it s often not the case. But in a study of 12 months worth of data on the two busiest routes in the United States (Chicago-New York and Houston-Dallas) comparing the economy class pricing of six different airlines produced the cheapest prices two months before the flight. From here on, the prices started rising. In a paper for the Social Sciences Research Network, Professor Volodymir Bilotkach and others made the same finding for the international route from New York to London.





    23/12/2017

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    Hacks to Save Money on Europe Travel #buy #airline #tickets

    #travel to europe
    #

    Hacks to Save Money on Europe Travel

    1. Book x2 one-way tickets

    If you re travelling to Europe you re likely to be visiting more than one country. Who are we kidding, you re likely to be visiting a handful! Traditionally it has always been cheaper to book a return ticket from your point of origin but times are changing. A great way to save a tonne of cash is to book a one-way flight to your starting point, journey from there to your final destination (i.e. Land in Paris, travel throughout Western Europe and fly out of Prague in Central Europe), and not have to worry about travelling in a loop back to your starting point. This is particularly helpful if you intend to visit the East and West. i.e. flying into Moscow and flying out of Paris.

    2. Travel Off Season (for two reasons)

    It should come at no surprise that summer is in fact the worst time of the year to visit Europe. Firstly, the prices are hiked, the hotels are booked, and the lines for museums are out-of-control long. Secondly, this is the least authentic Europe experience you can allow yourself to encounter. Why? None of the locals will be in town during the summer they mostly escape the summer madness and flee on holidays of their own. This is particularly try in the likes of Paris and Rome, but also through to smaller towns and countries in Central/Eastern Europe. Typically summer season in Europe is the least authentic experience you can have, its expensive, it is often far too hot, and it is certainly going to be filled with elbow nudging and toe-tapping as you test your patience.

    So, when should you travel to Europe? Literally any of the months (and seasons) outside of summer. Rule out June, July and August.  If you are going to visit Europe in summer, know where to go to avoid the crowds . Take any of the other months and you will be fine. Typically prices also hike over Christmas/New Years, which is of course true for anywhere in the world.

    3. Try stick to Family Run Businesses

    So you want to save money but you don t want it to mean sleeping in dorm rooms or living off greasy carbs for your designated allotment of weeks? The best value for money you will find is almost always going to be through family run businesses. If you want the best deal that combines both price with comfort. family-run hotels, restaurants, tour operators, etc. are one of your best bets.

    Its easy to look at a map of Europe and let your eyes boggle over the endless possibilities Rome; Paris; London; Prague; Vienna; Moscow; Kiev . the list is sure to be endless. But it is also important to give your trip a focus and stick to your instincts. If its your first time in Europe, a great idea is to stick to the hotspots . If you re more interested in Modern World History, Central/Eastern Europe is likely to be more your style. If you want to get off the beaten path, there are some unbelievable hidden gems lying further to the East and along the coast of the Baltic states. But one thing is for certain: you can t do it all at once. And even if you can (assuming you ve just won the lottery), you shouldn t. Europe should be explored on multiple trips at various times in your life depending on what takes your interest at that given time. Here s a few sample itineraries to get you started:

    European Highlights

    LONDON AMSTERDAM PARIS FRENCH RIVIERA FLORENCE ROME VENICE MUNICH

    London is always a great place to start, particularly if you are travelling from New York and looking to save money on flights. If you re travelling from further abroad, consider airports with lower taxes such as Dublin, Ireland. From London, you have the choice to either travel by train or air to Amsterdam and make your way through Paris, the French Riviera, through to the hotspots of Italy, and finally to Bavaria in Germany.

    Staying Central

    MUNICH PRAGUE VIENNA BRATISLAVA BUDAPEST KRAKOW

    If you d prefer to venture beyond the hotspots and uncover authentic and awe-inspiring Central Europe, Munich is a great place to start with many airlines flying into here or Frankfurt also a great starting point in Germany. From there, make your way to the capital of Czech Republic, followed by train travel through Vienna, Bratislava, Budapest, and onward to Krakow, Poland.

    Discovering the East

    MOSCOW ST PETERSBURG TALLIN RIGA

    There s so much to discover in the East and no matter how many times you ve heard it, you can t hear it enough Eastern Europe is SO UNDERRATED and cheap. Starting in the Russian capital, be sure to spend a few days discovering the city that has suffered turbulence and turmoil over the years, but manages to WOW visitors with its Orthodox churches and stunning underground metro stations. From there, take the high-speed train to St Petersburg and discover Russia s history beyond the modern world back to the days of Peter the Great and Russian regality. From there its just a short ferry ride to Tallin in Estonia. Onwards to Riga, you will be baffled by the beauty of this Baltic state that doesn t earn nearly enough credit for its charm.

    Visiting the North

    Slow-paced travel in NORWAY SWEDEN DENMARK FINLAND 

    The Northern countries are undeniably the most expensive countries to visit in Europe, so if you re going to go, it is absolutely necessary to travel at a slower pace in order to make it viable and rewarding.

    Most museums offer free entry on particular days. The Louvre offers free entry on the first Sunday of the month for example, which can be a nice saving if you re on a tight budget. If you can swing your schedule to allow for it, avoiding museum entrance fees is a great chance to save money.

    Before you leave, its important to have a definitive plan for handling your finances whilst abroad. ATM fees are increasingly expensive and exchanging cash is not only costly but equally risky. Be sure to do your own up-to-date research on the credit cards available to you, but do know that the best deal I have personally found is the 28 Degrees Mastercard. There are no fees when using it as a credit card, however be wary of ATM fees which once weren t a problem but have recently been implemented (given the popularity of the card, I assume)!

    A huge money saver comes when you choose to travel to countries not yet on the Euro. Take advantage of the exchange rates and consider countries like: Bulgaria, Croatia, Czech Republic, Hungary, Lithuania, Poland, or Romania. But beware of expensive countries not on the Euro because their economies are doing so well they d lose out by doing so! These include: The UK, Denmark and Sweden.

    Travelling in general gets ridiculously expensive when you have to pay a higher price for everything from accommodation to food to transportation, the costs soon add up. One of the biggest money savers for me over the years has been eating from supermarkets and snacking on-the-go. If you re with others, take this one step further and make it a fun activity by grabbing some eats in the supermarket and having a picnic underneath the Eiffel Tower (champagne optional).

    Saving money buying your own food for picnics is one thing, but eating with the season takes it up one more notch to serious budgeting skills .

    There are certain shows around the world worth the investment (Moulin Rouge, Cirque du Soleil shows and Broadway shows for example), but don t forget many of the best entertainment around the world is completely free! Whether its a free event or just people watching from a public park or sidewalk, there s always something intriguing waiting to be discovered without a price tag.





    20/12/2017

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    Save Money on Travel With These 4 Websites #morris #murdock #travel

    #hotel travel sites
    #

    Save Money on Travel With These 4 Websites

    Save

    Shares & Saves

    Money-savvy travelers have never had a wider variety of digital tools at their disposal for finding low fares and prices. As a seasoned traveler, I’ve found the following websites and digital tools most useful for saving money on amazing trips. Add these to your budget travel toolkit by bookmarking them now.

    Playing with Kayak Explore

    While I book most of my flights using strategically earned points and miles. I occasionally choose to pay cash for a flight. When I do, Kayak is the first booking site I turn to. Kayak, whose motto is “Search One and Done,” combines hundreds of other travel booking sites together so searching on Kayak means you’re searching all of them.

    Kayak also features a very handy price predictor. This forecasting tool uses historical information to predict whether the price you’ve just searched will likely go up or down in the future and whether you should book now or wait.

    Should it recommend that you wait to book, Kayak also offers fare alerts. And because Kayak’s links are static (which is not always the case with travel booking sites), you can also bookmark the results page of your search and come back to it later.

    Kayak Explore is a fun and interesting feature if you don’t know where you want to go and simply want to see your options. Set a home airport, and it displays an interactive map of the world with the lowest fares for each destination.

    2. FareCompare Twitter feeds

    3. Travelzoo

    Travelzoo employs a team of travel experts who scour the Internet for the best travel deals available, from airfare to hotels to entertainment. Travelzoo is independent, so deals are selected based on actual merit, and reviews are unbiased. Subscribe to weekly emails or use the RSS feeds with an RSS-to-email IFTTT recipe to have the latest deals sent to you on a more frequent basis.

    4. Flyertalk

    Flyertalk is the ultimate online community for mileage junkies and travel hackers (people who strategically take advantage of mileage reward programs to collect large amounts of points and miles). As a forum with a highly niched user base, it can be intimidating for new users, especially if you’re unfamiliar with travel hacking. However, it’s a good place to learn about the world of budget travel and be among the first to find out about unusually low-cost deals. The best way to use Flyertalk is to immerse yourself in it, so take some time to read through the threads to familiarize yourself with how this site can help you plan your next trip.

    There are a lot of great websites and resources out there, but I consider these to be among the best. Bookmark these four sites, and you’ll be well on your way to saving money next time you travel.





    02/12/2017

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    The Best Rental Car Deals for Road Trips: Money Smart Life

    #best deals on rental cars
    #

    The Best Rental Car Deals for Road Trips

    August 3, 2011

    Rental car deals are in high demand with many travelers expecting higher air fare costs this summer. Some of those travelers will forge on, willing to pay the higher price to get to their dream destination. But with many Americans still unemployed or just recently having found new employment the high price of flying may cause them to consider vacations closer to home and send them in search of rental car discounts.

    Taking a regional road trip in a rental car doesn t have to break the bank, especially when compared with flying across the country. Instead of increasing your maintenance costs or worrying if your car can survive a road trip, you borrow the rental agency s car for a known cost and call it a day. If the car has maintenance problems that weren t caused by an accident, it s not your problem. They ll swap you out into a new car and get you going.

    Tips for Saving on Rental Cars

    Renting a car can also get pretty expensive, but not if you know how to look for the best deals. Use the following tips to maximize your savings on rental cars. I worked in the rental industry for about a year and this is how I would go about getting the best deal.

    Finding the Best Deal

    There is no one best way to find the best deal on rental cars, but knowledge is power. Things you need to know:

    What s the business model? Rental car agencies go after different types of business. Some focus on repair work while your car is in the shop. Others focus on business travelers and only have airport locations. Knowing the company s business model will help you determine their down times. You can get a better deal during slow periods when they have a lot of extra cars on hand.

    • For example, Enterprise has thousands of locations across the country. They focus on being in your neighborhood and deal with a lot of insurance and car repair rentals. That means their cars are in high demand Monday through Friday. On Friday the body shops finish up, and the agency has extra inventory over the weekend. You can get amazing deals on the weekend. More on this in a moment.

    What s in demand? During the summer months the most in demand vehicles are SUVs and minivans. This is especially true around holidays like Memorial Day or the 4th of July. You ll need to book well in advance or risk missing out.

    Know the car sizes. Check out the company s website and be familiar with their car classes. Booking a smaller vehicle will save you money, but don t be surprised if it is really small.

    Check Online Specials First

    The internet is one of the best places to find widely advertised deals on rental cars. Check all of the popular agency s websites first. You know these deals are legitimate because it is coming straight from the source. Follow that up with a check of large travel aggregation websites like Kayak. They ll be able to spot some of the secret or less advertised deals that you can t find without a lot of extra work.

    For example, say Enterprise has their $9.99 weekend special going. You can pay as little as $10 per day for three days, and get 300 total miles to use on your rental for a compact size car. That s a 60% discount off the regular rental price of $24.99 in my area. A full size car can be had for $19.99 per day that s 43% off the regular price of $34.99.

    Budget has a similar deal. They offer $5 off for every weekend day you have a rental. A 3 day rental (Friday to Monday) would have $15 knocked off the final price. How can they afford to do this? Again, they have a lot of inventory on the weekends. Having vehicles on the road for as little as $30 in revenue is better than having the cars sit on the lot for $0 in revenue.

    One way to make the deal even sweeter is to use a rental car credit card that offers rewards or discounts when you reserve your car online. Just be aware that not all deals can be combined so you might not be able to use the credit card discount along with an advertised special.

    Pick Up the Phone

    Pick up the phone and call your local branch. Have their website pulled up and know what discounts they are currently offering. Let them know of your plans, and have them walk you through the best deal they can offer. When they re done telling you the price, tell them that s not low enough or ask if there is anything they can do to get you to reserve the car today. They may be able to find a discount to put on your rental to drop the price down a bit. Talking to a live human being that works at your local branch gives you an advantage over computer systems.

    Book with Travel Partners

    You can also try booking with travel partners. If you re booking a hotel room you may be able to get a package deal with one of their preferred car rental agencies.

    Negotiate at the Counter

    You have negotiating leverage. Unlike hotel reservations, many rental agencies do not charge you for not showing up for your reservation. Once you are there they want to make sure you leave happy. You can book a lower class vehicle and try to negotiate your way into a larger vehicle at a discounted price.

    In fact, the representative behind the counter may try to do convince you first. Many companies will run up-sell competitions and rewards their reps for selling you from a smaller vehicle class into something bigger, even if it isn t at full price. They re getting more revenue for having your reservation out on the road. You can also try asking for discounts based on:

    • The rate your insurance company gets (which is much, much cheaper than retail). You likely won t get the full discount, but they may knock the price off a bit.
    • Memberships you have (AAA, AARP, etc.)
    • Your company s corporate discount

    Granted, this only works when the company has a lot of excess inventory sitting on the car lot. You won t find much negotiating room if you re renting their next to last car. If they don t rent to you they ll find another customer to put into that car.

    Consider Gas Mileage

    With gas nearing or over $4 per gallon in many parts of the country, be sure to check on gas mileage first. Taking 4 friends on a road trip to the beach? Riding in style in a massive SUV may seem great, but you ll be guzzling gas the whole way (along with paying higher rental costs in the first place). Those 4 people would easily fit into a standard or full size car, saving you money on gas and rental charges.

    Document the Car s Condition

    Make sure you document the car s condition very well. Renting cars happens very fast. There is important paperwork you sign, including an agreed upon condition of the car. If you don t mark any of the current damage (knicks, dings, dents) on the contract you may be held liable for them when you return the vehicle. Read the fine print on the rental car insurance and make sure you understand what s covered and what s not. In this technology covered age I would recommend taking photos or a video of the walk around on the car on your smartphone or camera. It will help defuse any situations that pop up when you return the car.

    Last updated by Kevin .





    30/11/2017

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    Asking for a lot of money #incentive #travel

    #cheapest flight
    #

    Asking for a lot of money

    Most people dream of making a lot of money. The question is, what does that mean?

    The truth is that money is highly subjective. Certainly, a billion dollars is a lot of money; there are only a handful of billionaires in the world. Is a million dollars a lot? In terms of total wealth, no; a significant minority of the population has a million dollars or more in total assets to leave to their heirs, largely due to the appreciation of real estate. Were one to make a million dollars a year, however, that person would be among the most highly paid in the world.

    Personal perception has a significant role in determining the amount of money that a person can expect to make. The reason for this is that the two factors that most influence earnings–level of demonstrable skill, and payment requested from an employer–are very dependent upon the individual. Moreover, while skill is partially based on individual confidence and partially dependent upon innate ability, the amount of money that a person asks an employer to provide is solely based on the individual.

    Of course, the two are related. One cannot have a minimal skillset and expect to receive a high salary. However, many people have excellent skillsets yet are paid comparatively little versus their peers. Why?

    The truth is, they probably didn’t ask–or if they did, they didn’t ask in a way that conveyed they really thought that they deserved what they wanted. In many cases, the boss knows the most that he or she can pay, but will be pleased to pay less if an employee will accept it.

    Of course, the boss will not tell the employee what he or she can actually afford to pay. But dealing with that is comparatively easy in the Information Age: there are salary guidelines for given locales and positions available on the Internet. The real challenge is not asking a high level of compensation, but feeling that you deserve the high level of compensation for which you are asking.

    To do that, one must understand the relative value of money. We have established that being a billionaire is truly remarkable, and that accumulating a million dollars over a lifetime is not but that making a million dollars per year is. What about lower income levels–the sort that we tend to see in everyday life?

    How much is a lot?

    The U.S. Department of Health and Human Services Federal Poverty Guideline for a family of four in 2006 is $20,000. A family that makes this amount or less is, by definition, poor.

    The median income reported for a family of four in 2006, however, ranged from a low of $45,867 in New Mexico to a high of $87,412 in New Jersey. These figures include single- and multi-earner households.

    Consider a candidate in New Jersey who holds a degree in a moderate-demand field. Will he or she accept a salary of $20,000? Probably not. Expecting a salary of $87,412 may seem excessive, though, because he or she would, as a single earner, be requesting the average income of a family of four.

    But is it excessive? Actually, no; if $87,412 is the median salary–meaning there are an equal number of earners above and below that mark–the candidate could, in fact, confidently request $90,000 or more. The reaction from a hiring manager would depend in part on the industry and also in part of the applicant’s specific skillset. Another candidate, in another job, however, could ask for it and get it. The trick is to have the audacity to ask.

    A real-life story

    Shortly after I finished college, someone I knew earned $40,000 a year. His stated goal was to reach a salary of $50,000. He worked hard to apply himself to education and professional development, and volunteered for special projects to expand his skillset.

    His next job offer caught him off-guard: $73,000. He took it, of course, astonished at how much he now made. Within a few months, though, he realized that others in the field made considerably more. He stayed active in professional development and worked hard to master new skills.

    A year into the job, he requested an increase in salary, providing his employer with salary survey data and other information. He received a raise to $89,000 and was offered an incentive plan based on performance.

    After three years, he decided to leave. He interviewed at a number of top companies that were excited to meet him. He had an offer from one for $110,000 and then got an offer from another for $115,000. Deciding that he prefered the first company, he asked if they would increase their offer. Knowing that this would require approval, however, he offered to take an initial salary of $100,000 until he finished his probationary period. They accepted.

    Four years ago, he aspired to someday make $50,000. Today, he makes $115,000–and considers $200,000 to be easily within reach given a few more years. And why?





    22/11/2017

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    Do Discount Travel Booking Sites Really Save You Money? #asia #travel

    #travel discount sites
    #

    Do Discount Travel Booking Sites Really Save You Money?

    By Gwendolyn Shearman | February 23, 2015

    Thanks to our social media feeds, Netflix queues, Amazon accounts and Google search results, we’ve come to expect our online search results to cater specifically to our interests and needs including when it comes to travel.

    Whenever we enter an online travel search, it’s our assumption that these deals are made just for us and that they’re the best available, but that may not always be the case. According to “Measuring Price Discrimination and Steering on E-commerce Web Sites ,” a study published by Northeastern University in November 2014, numerous travel booking search engines are guilty of price discrimination or price steering. The study looks at hotel and rental car searches across six popular travel booking sites (CheapTickets, Orbitz, Expedia, Hotels.com, Priceline and Travelocity), and is the first of its kind to compare results between real user accounts and synthetically generated ones.

    Price discrimination (as defined by the study) is an industry term that means prices vary user to user, while price steering refers to the order in which search results appear. These factors can sometimes work to your advantage, depending on how they’re implemented. It’s great if you’re driven toward the best deal, but it’s not so beneficial if you’re unknowingly pushed toward higher prices. Even though some of these practices may seem shifty, they aren’t illegal in the United States.

    “Most of the time people love this stuff. We love to bargain hunt, we love coupons,” said Christo Wilson, one of the study’s authors. “The difference between the real world and online is the transparency issue. People feel cheated if they don’t know that they’re seeing altered results.”

    Here are a few takeaways from the study that can help you secure a deal without wondering if there’s a better bargain out there.

    Simply sign up

    The authors behind the study noted that price discrimination and price steering aren’t necessarily bad things, what matters is whether sites are transparent about what users are getting, which can be difficult to detect on e-commerce sites.

    For example, the study found that CheapTickets and Orbitz presented reduced prices on hotels to “members” who are logged into their respective accounts at the time of their search, thereby using price discrimination. Orbitz Worldwide, which owns and operates the two sites, said it marks members-only prices and acknowledged that they offer lower prices to those who have accounts on their websites. So, it pays to sign up for an account with these websites and to sign in to your account when searching for deals.

    Use your phone

    The study also found that Travelocity (and the retailer Home Depot) personalizes results for mobile users, specifically those using iOS devices. Users who search with Safari on their iPhones received different hotels in a slightly different order than consumers using Chrome for Android and other desktop browsers.

    Overall, hotel prices were listed at about $15 (or 5 percent) lower on iOS devices than other mobile operating systems and desktop browsers, providing proof of price discrimination, where a certain group receives lower prices.

    “Online travel retailers have publicly stated that mobile users are a high-growth customer segment, which may explain why Travelocity offers price incentives to iOS devices,” the study states.

    Clear your cookies, or don’t

    While the study doesn’t call out Priceline for price steering or discriminating, the study’s findings show that the discount booking site personalizes search results based on the account history of users.

    The study states: “Users who clicked on or reserved low-price hotel rooms receive slightly different results in a much different order, compared to users who click on nothing, or click/reserve expensive hotel rooms.”

    Since users are tied to their IP address and booking history on individual sites, travel search engines like Priceline can customize results to show the properties that an individual is more likely to look for, and subsequently book.

    Overall, the authors of the study concede that there’s no foolproof method to ensuring you get the best price. “The companies know a lot about you and we know very little about the companies. If you’re an ordinary person on the website, you have no idea why you’re seeing certain prices,” said Wilson. “Depending on algorithms, it’s very hard to get out of them.”





    16/11/2017

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    8 Money Myths #travel #adviser

    #cheap flights with car rental
    #

    8 Money Myths

    8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

    Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

    Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

    Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

    Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

    Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

    Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

    Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

    Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

    Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

    In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

    1. Change money is scarce to money is abundant and support a courageous relationship to money.

    2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

    3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

    4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

    5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

    6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

    7. Change money is a menace to money is a solution and create a positive relationship to money.

    8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

    You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

    Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

    Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





    16/11/2017

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    8 Money Myths #travel #websites

    #cheap flight and hotel deals
    #

    8 Money Myths

    8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

    Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

    Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

    Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

    Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

    Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

    Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

    Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

    Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

    Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

    In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

    1. Change money is scarce to money is abundant and support a courageous relationship to money.

    2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

    3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

    4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

    5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

    6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

    7. Change money is a menace to money is a solution and create a positive relationship to money.

    8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

    You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

    Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

    Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





    16/11/2017

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    10 travel websites that can save you money #tibet #travel

    #travel websites
    #

    10 travel websites that can save you money

    Ever heard of Breezenet.com or Couchsurfing.org? Travel icon Arthur Frommer tells you that you should.

    Travel websites come and go—hundreds of new ones emerge each year—but 10 remain unchallenged, in my view, for their ability to save you large sums of money on nearly any vacation trip:

    1. Momondo.com for the lowest air fares: Created by Danish techies and headquartered in Copenhagen, of all places, it has an uncanny ability to find better rates for your next flight, even for purely local trips within North America. That’s because, it’s claimed, its program surveys all sources of airfares—some 800 of them, even those that pay no commission to Momondo for getting them a customer. Next time you book a flight to anywhere, give these enterprising Danes a look.

    2. Breezenet.com for discount car rentals: A remarkable source of car rentals costing substantially less than normal levels. By surveying the daily offerings of some 14 large companies and countless mom-and-pop firms, it nearly always finds a reduced rate from a rental company hungry for business on a particular day.

    3. Hotelscombined.com for reduced hotel rates: Here’s a site that scans dozens of other hotel websites around the world and then produces the best rates for particular dates. If there’s a sale going on, or a hotel slashing rates temporarily, Hotelscombined.com will find the bargain, saving you a great deal of money. GetaRoom.com is among its competitors, but it finds hotels in only a handful of heavily visited cities.

    4. Homeexchange.com for swapping apartments and homes: It apparently has become the most widely used service for vacation exchanges, as a result of its prominent mention in a recent Hollywood film. Its tens of thousands of home or apartment listings enable you to quickly and effectively find a person eager to exchange his or her home or apartment for yours during the time of your respective vacations, enabling both of you to enjoy free lodgings.

    5. Homeaway.com for renting vacation homes and apartments: After acquiring several smaller home-rental companies, Homeaway has become the largest source of such rentals, and appears to operate efficiently and reliably. Numerous travelers currently are substituting homes or apartments for hotel rooms, spending less and enjoying more spacious accommodations than a hotel would provide. (Rentalo.com, specializing in apartments, is among its competitors.)

    6. Cruisesonly.com (whose main competitors are VacationsToGo.com and OnlineVacationCenter.com) will snare discount rates for most sailings of most major cruise ships. Nearly every cruise line discounts the rates appearing in its catalogues and brochures, and the smart cruise passenger always seeks out these reductions in price.

    7. Xe.com for currency-exchange rates: This strange, two-letter website supplies you with up-to-the-minute exchange rates for all the world’s currencies, enabling you to know the dollar equivalent of foreign prices. (Smart travelers obtain their foreign currencies from the ATM machines in all foreign cities of any size; they do much better at ATM machines than from exchange kiosks and counters.)

    8. Hostelz.com for low-cost hostels throughout the world. For the most cost-conscious of all travelers (seeking to pay no more than $25 a night), Hostelz provides you with photographs and texts describing many thousands of hostels offering low-cost beds to people of all ages, sometimes in hotels that were recently converted into hostels by ambitious entrepreneurs.

    9. Couchsurfing.org for young people seeking free hospitality and Servas.org for older ones. Both organizations maintain massive lists of generous people around the world who are willing to put up guests in their homes free of charge for short stays (usually two or three nights). Servas has been in existence since 1948 and has a mainly mature membership; the more-recently founded Couchsurfing caters to a more youthful set.

    10. Airbnb.com for those occasions when all hotels in a particular city are sold out because of large conventions or trade shows. For numerous cities in the U.S. and Canada, Airbnb.com lists and rents moderately priced rooms in private homes for special use at the time of political conventions or like events.

    Runners-up to the Top 10: Though they don’t deserve the supreme accolade, a number of other websites are helpful in a broad number of instances:

    •  Privatemotorhomerental.com for renting an RV directly from its owner, at a considerable savings.

    •  Biketoursdirect.com for its listings of inexpensive group bicycle tours departing from throughout North America and abroad on numerous dates

    •  Womenwelcomewomen.org.uk for providing hospitality to female travelers, ranging from a spare cot or room to simply meeting them for a drink.

    •  Viamigo.com or Rentalocalfriend.com for acquiring a local guide in various out-of-town or foreign cities.

    •  Theatermania.com. Stubhub.com or Ticketsnow.com for obtaining discount theatre tickets in numerous cities.

    •  Shoretrips.com for inexpensive port visits on cruises, in small-van groups.

    Arthur Frommer is the pioneering founder of the Frommer’s Travel Guide book series. He co-hosts the radio program, The Travel Show, with his travel correspondent daughter Pauline Frommer. Find more destinations online and read Arthur Frommer’s blog at

    frommers.com.

    © 2010 by Arthur Frommer

    Distributed by King Features Syndicate





    16/11/2017

    Posted In: NEWS

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    8 Money Myths #travel #mood

    #cheap flight and hotel
    #

    8 Money Myths

    8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

    Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

    Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

    Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

    Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

    Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

    Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

    Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

    Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

    Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

    In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

    1. Change money is scarce to money is abundant and support a courageous relationship to money.

    2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

    3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

    4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

    5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

    6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

    7. Change money is a menace to money is a solution and create a positive relationship to money.

    8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

    You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

    Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

    Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





    16/11/2017

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    401(k) Participants Turn to Pros For Help Managing Their Money #costa

    #cheap flights with car rental
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    14/11/2017

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    401(k) Participants Turn to Pros For Help Managing Their Money #germany

    #cheap flight and hotel
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    13/11/2017

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    Travel Insurance Archives – My Virgin Money #where #to #get #cheap

    #virgin money travel insurance
    #

    Tag Archives: Travel Insurance

    Treble Cash Cover for those already in Greece and those travelling to Greece

    Amy June 30, 2015 Latest News. Travel Insurance Comments Off on Treble Cash Cover for those already in Greece and those travelling to Greece

    The news coverage around the current financial situation in Greece has led to our customers checking with us to see what cover they have with regard to cash under their Virgin Money Travel Insurance policy. This also follows advice issued to travellers recommending that they increase the amount of cash they take to Greece, in case ATMs and banks cannot be.

    Play: Suitcase Sling from Virgin Travel Insurance

    Nothing in this content constitutes legal, financial or other professional advice and readers should obtain their own professional guidance on the suitability of any featured products or services.

    The opinions and comments expressed by contributors are not necessarily those of Virgin Money

    Virgin Money Registered office: Jubilee House, Gosforth, Newcastle upon Tyne NE3 4PL. Registered in England and Wales number 6952311. Financial Services Register number 503963.





    13/11/2017

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    Nobody making federal minimum wage can afford a two-bedroom apartment #make


    #

    No full-time minimum-wage worker can afford a 2-bedroom apartment in any US state

    The absolute least that an employer is legally allowed to pay an employee for an hour’s work varies across the country. but one fact remains constant: In no state does working 40 hours a week for minimum wage enable a person to rent a median two-bedroom apartment.

    That’s according to new research by the National Low Income Housing Coalition covered by T he Washington Post. Across the country, it reports, even full-time workers would have to make about or more than twice as much to afford a typical home.

    In states such as Alaska, Washington, Colorado, Florida, Virginia, Illinois and most of the Northeast, workers would have to make over $20 an hour. Workers in California, D.C. and Hawaii are the hardest hit by the price of housing: They need to earn a whopping $30, $33 or $35 an hour, respectively, to afford a two-bedroom.

    The federal minimum wage is $7.25.

    Some renters can still find individual apartments that charge less than the median rent and so remain relatively affordable. The trouble is, they are often substandard or unsafe and, regardless, there aren’t nearly enough of those to meet demand. Scarcity has been an issue for decades .

    Likewise, not all workers are subject to the federal minimum wage. Some are, as five states, including Mississippi and Louisiana, have no official minimum wage, and two more, Georgia and Wyoming, have a minimum wage of $5.15, or about $10 less an hour than full-time employees would need to make to be able to afford a two-bedroom. In those places, the federal minimum wage applies, with a general exception for workers who receive tips.

    By contrast, states such as Connecticut and California mandate that even entry-level workers receive about $10 an hour, while cities and, increasingly, states such as Illinois and New York are phasing in a new minimum wage of $15 an hour. That minimum supersedes the federal one.

    The Fight for $15, a worldwide effort to raise wages and strengthen unions, has successfully led to better pay in many places since its launch in 2012. and a proposed federal minimum wage of $15 an hour is now part of the Democratic Party platform. According to these numbers, however, even that wouldn’t make housing affordable.

    As things stand, an American making the federal minimum wage of $7.25 would have to work 94.5 hours a week, or more than two full-time jobs, to afford a typical two-bedroom rental.

    The Post notes that “many of the occupations projected to add the most jobs by 2024 pay too little to cover rent. These are customer service representatives, personal care aides, nursing assistants, home health aides, retail salespeople, home health and food service workers who make, on average, between $10 and $16 an hour. as a result, more than 11.2 million families end up spending more than half their paychecks on housing,” money they could otherwise direct toward transportation, education, food, clothing or savings.

    In a preface to the report. U.S. Rep. Keith Ellison, D-Minn. writes, “Each year, Congress spends about $200 billion to help house American families. A full three-fourths of these resources go to help subsidize the homes of the richest families through the mortgage interest deduction and other homeownership tax benefits.”

    Meanwhile, the report points out, federal funding for housing assistance programs has actually declined by three percent in the last seven years.

    Millennials are making a big mistake by not owning their homes, says one financial expert 12:22 PM ET Mon, 24 April 2017 | 00:49

    Some business owners argue that raising the minimum wage will lead to higher prices for consumers, and some economists argue that it could depress job growth or even end up eliminating positions as it leads to more automation. A comprehensive 2016 study from the National Employment Law Project, however, found that the economists’ fears aren’t justified.

    Its authors declare that there is “no correlation between federal minimum-wage increases and lower employment levels, even in the industries that are most impacted by higher minimum wages. To the contrary, in the substantial majority of instances (68 percent) overall employment increased after a federal minimum-wage increase.”

    And a 2017 poll found that bipartisan majorities of Americans now favor raising the minimum wage.


    01/10/2017

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


    #

    Online Class: Film Appreciation

    Course Description

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

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

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

    Lessons include discussions on the following:

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

    Lesson 1: The Value of Film Viewing

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

  • Lesson 2: Early Film History

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

  • Lesson 3: The Filmmaking Process

    This lesson describes the different phases of the filmmaking process.

  • Lesson 4: 100 Years of Film Styles and Movements

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

  • Lesson 5: Film Psychology

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

  • Lesson 6: Films To Watch:1900 — 1960

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

  • Lesson 7: Films to Watch 1960 — 2007

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

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

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

  • Lesson 9: Film Composers to Know

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

  • Lesson 10: Film Directors to Know

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

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

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

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

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

  • Lesson 13: Personal Enrichment as a Film Audience Consumer

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

  • Additional Course Information

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

    Course Title: Film Appreciation

    Course Number: 7550484

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

    Course Type: General Education

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

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

    Assessment Method: Lesson assignments and review exams

    Duration: Continuous: Enroll anytime!

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

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

    Student Testimonials

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

    Related Courses


    01/10/2017

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    Linux and Windows Dedicated Servers in USA and Switzerland #dedicated #server,


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    Dedicated Servers
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    • Server Location – USA/Switzerland & Rapid Setup
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    • 24 x 2.66 GHz CPU Cores
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    • 32 x 2.1 GHz CPU Cores
    • 10 TB Monthly Bandwidth
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    • 32 x 2.6 GHz CPU Cores
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    USA Switzerland Dedicated Server Features

    • Choice of operating systems We offer a wide range of operating systems to run on your dedicated server. You can choose between CentOS, Ubuntu, Debian, and Windows Server 2008 R2/2012 R2/2016. All the operating systems are offered in 32 and 64bit version.
    • Wide selection of control panels You can choose between cPanel/WHM, Parallels Plesk Panel or bare dedicated server without panel (SSH access for Linux and RDP for Windows Server operating systems).
    • Full administrative access Each dedicated server offers a full Root access via SSH (for Linux OS based servers) and Administrator access via RDP (for Windows OS based servers). This allows you to install a variety of software: VPN, VNC, FFMPEG, IRC server, DNS, Mail Server, Web server, Private proxy. Remote desktop (RDP), Game server, ROR, SVN, Shoutcast.
    • Stable server platform Stable and secure dedicated servers with Intel Xeon processors (CPU), ECC DDR3/4 memory and RAID HDD array. We offer only dedicated servers of top-branded Supermicro and HP servers with RAID array for the highest security of your data.
    • OS reinstallations, DNS and reboots We can re-install your server with the operating system of your choice (Linux or Windows). We can also reboot your server at any time by submitting a support request. Also, we will help you in case you need RDNS or DNS setup.
    • IPv4 and IPv6 addresses You can add both IPv4 and IPv6 addresses later with a support request. As an additional option, we offer IPv4 addresses from different subnets (SEO IPs). We also offer native IPv6 support free of charge in all locations.
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    30/09/2017

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    Car Crash Costs and Statistics #auto, #accident, #car #crash, #statistics, #cost,


    #

    Cost of Auto Crashes & Statistics

    The highest price we pay for car crashes is in the loss of human lives, however society also bears the brunt of the many costs associated with motor vehicle accidents. According to the National Highway Traffic Safety Administration (NHTSA ), U.S. motor vehicle crashes in 2010 cost almost $1 trillion in loss of productivity and loss of life. The study was released in May 2014. The auto industry’s steady improvements in vehicle safety over the last several decades despite a litany of safety recalls had driven down the number of roadway deaths to an all-time low of 32,675 in 2014.

    NHTSA reports the number of people killed on the road in the U.S. soared 7.2% to 35,092 in 2015, marking the deadliest year on the road since 2008. Though the increase was widely expected after NHTSA last month revealed a preliminary estimate of a 7.7% increase, the official figure solidifies 2015’s dubious distinction as the first year-over-year increase since 2012. In addition, roadway deaths of pedestrians and cyclists hit a two-decade high in 2015.

    New findings from the Insurance Research Council’s (IRC) Auto Injury Insurance Claims Study shows that medical expenses reported by auto injury claimants continue to increase faster than the rate of inflation, in spite of the fact that the severity of the injuries themselves remain on a downward trend. From 2007 to 2012, average claimed economic losses (which include expenses for medical care, lost wages and other out-of-pocket expenditures) grew 8 percent annualized among personal injury protection (PIP) claimants. Among bodily injury (BI) claimants, average claimed losses grew 4 percent. Over the same period, measures such as the percentage of claimants who had no visible injuries at the accident scene or who had fewer than 10 days in which they were unable to perform their usual daily activities provided evidence of a continuing decline in the severity of injuries.

    • In 2013, the average auto liability claim for property damage was $3,231; the average auto liability claim for bodily injury was $15,443 (ISO. a Verisk Analytics company).
    • In 2013, the average collision claim was $3,144; the average comprehensive claim was $1,621 (ISO. a Verisk Analytics company).

    Private insurers pay approximately 50% of all motor vehicle crash costs. Individual crash victims pay about 26%, while third parties such as uninvolved motorists delayed in traffic, charities and health care providers pay about 14%. Federal revenues account for 6%, while state and local municipalities pick up about 3%. Overall, those not directly involved in crashes pay for nearly three-quarters of all crash costs, primarily through insurance premiums, taxes and travel delay (National Highway Traffic Safety Administration ).

    Crash Type & Driver Behavior

    In 2013 there were 5,687,000 police-reported motor vehicle traffic crashes, 32,719 people died in motor vehicle crashes, down 3.1 percent from 33,782 in 2012. Of total crashes in 2013, 1,591,000 caused injuries and 4,066,000 caused property damage only.

    The National Highway Traffic Safety Administration estimates about 10 million or more crashes go unreported each year.

    Alcohol-Related Crashes: In 2013, 10,076 people were killed in alcohol-impaired driving crashes (any fatal crash involving a driver with a blood-alcohol content (BAC) of 0.08 percent or higher), down 2.5 percent from 10,336 in 2012. Of the persons who were killed in traffic crashes in 2013, 31 percent died in alcohol-impaired driving crashes. In 2010, drunk driving alone accounted for 18% of the total economic loss from motor vehicle crashes, costing the economy as much as $199 billion in direct and quality-of-life losses (NHTSA ).

    Speeding: According to the National Highway Traffic Safety Administration (NHTSA) in 2013, 9,613 lives were lost due to speed-related accidents, down 6.9 percent from 10,329 in 2012. NHTSA says that speed-related crashes cost Americans $40.4 billion each year (NHTSA ).

    • Speeding was a contributing factor in 29 percent of all fatal crashes in 2013.
    • In 2013 about 35 percent of both 15 to 20-year-old and 21 to 24-year old male drivers who were involved in fatal crashes were speeding at the time of the crash.
    • Red Light Running: The IIHS says that more than 900 people a year die and nearly 2,000 are injured as a result of vehicles running red lights. About half of those deaths are pedestrians and occupants of other vehicles who are hit by red light runners.

    • Fatigue: A study by the AAA Traffic Safety Foundation found that 37 percent of drivers report having fallen asleep behind the wheel at some point in their lives. An estimated 21 percent of fatal crashes, 13 percent of crashes resulting in severe injury and 6 percent of all crashes, involve a drowsy driver, according to a 2014 study by the AAA. Results of a November 2013 AAA survey showed that 28.3 percent of licensed drivers age 16 or older said that in the past 30 days they had driven when they were so tired that they had a hard time keeping their eyes open.
    • Distracted Driving: The National Highway Traffic Safety Administration (NHTSA) gauges distracted driving by collecting data on “distraction-affected crashes,” which focuses on distractions that are most likely to affect crash involvement such as dialing a cellphone or texting and being distracted by another person or an outside event. In 2013, 3,154 people were killed in distraction-affected crashes, and 424,000 people were injured. There were 2,910 distraction-affected fatal crashes, accounting for 10 percent of all fatal crashes in the nation, 18 percent of injury crashes and 16 percent of all motor vehicle crashes in 2013 (NHTSA ).
    • Cell Phone Use: In April 2014, NHTSA released the results of the latest National Occupant Protection Use Survey (NOPUS), which found that in 2012, 1.5 percent of drivers were text-messaging or visibly manipulating hand-held devices, up from 1.3 percent in 2011. NHTSA says that the 2012 increase was not statistically significant. Driver use of hand-held cellphones was 5 percent in 2012 for the fourth year running. Hand-held cellphone use was highest among 16- to 24-year olds (6 percent in 2012) and lowest among drivers 70 and older (1 percent in 2012).

      • A State Farm study released in late 2012 found that among drivers age 18 to 29, almost half (48 percent) accessed the Internet on a cell phone while driving. One-third of those drivers (36 percent) read social media networks while driving. Almost half of those drivers (43 percent) checked their email while driving. Other age groups engaged in these activities less frequently.
    • In 2013, 32,719 people died in motor vehicle crashes, down 3.1 percent from 33,782 in 2012, according to the National Highway Traffic Safety Administration.
    • 605 people were killed in crashes on Colorado roads in 2015; an increase of 24% over 2014. (http://kdvr.com/2017/01/31/cdot-reports-sharp-increase-in-traffic-fatalities-in-2016/)
    • A motor vehicle death occurred on average every 16 minutes in 2013.
    • About 90 people died each day in motor vehicle crashes in 2013.

    Injuries

    • Injuries in motor vehicle crashes have been declining over the past few years:

      • 2003: 2.89 million injuries
      • 2004: 2.79 million injuries
      • 2006: 2.54 million injuries
      • 2008: 2.35 million injuries
      • 2009: 2.22 million injuries
      • 2010: 2.24 million injuries
      • 2011: 2.21 million injuries
      • 2012: 2.36 million injuries
      • 2013: 2.31 million injuries
    • In 2013, 6,337 people were injured each day in motor vehicle crashes.
    • A motor vehicle injury occured on average every 14 seconds in 2013.

    How to Transfer a Credit Card Balance – ABC News #credit,


    #

    Sections

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    Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

    How to Transfer a Credit Card Balance

    Here is what you need to know before and after a credit card balance transfer.

    Credit card balance transfers can be an invaluable tool for managing credit card debt. This tactic allows cardholders to move their debt from a card with a high interest rate to one with a lower interest rate, or no interest charges at all.

    While it’s not inherently complex to transfer a credit card balance, there are still several important things that cardholders need to be aware of before, during, and after.

    Before You Transfer a Credit Card Balance

    1. Make sure you keep up with all of your payments. This will allow you to maintain excellent credit and find a balance transfer offer with the best possible terms. The right card may be one you already have with a lower interest rate than the one you are using, or it may be a new card with a 0% APR promotional balance transfer offer. In fact, you may be able to get a promotional financing offer from one of your existing accounts, possibly in the form of a convenience check.

    2. Understand all of the terms and conditions of the balance transfer. Know what the card’s credit limit is, its interest rate on balance transfers, and what the balance transfer fee will be. Balance transfer fees are typically 3 percent of the amount transferred, but not always. Chase Slate currently has the only 0 percent APR promotional balance transfer offer with no balance transfer fee, although others can have fees as high as 5 percent.

    In the case of promotional financing offers, learn how long you have to complete a qualifying transfer, and the length of the promotional financing period. Typically, promotional balance transfer offers must be completed within 30 days to four months of the account opening, and can last from between six and 18 months. Keep in mind that even though the terms might not explicitly say so, banks will not allow balance transfers between their own accounts.

    3. Make a plan. Come up with a sound financial plan for paying down your debt. otherwise your balance transfer is just another form of postponing your obligations.

    Making the Transfer

    Contact the bank that you are transferring the balance to and ask to perform a balance transfer. Be prepared to give the account information for the other card, and the total amount you want transferred.

    After the Transfer

    Continue to make at least the minimum payment required from the old credit card, and if you have paid your entire debt, make sure to get a statement from your bank. However, keep your old account open in order to maintain a low credit utilization ratio. which will help your credit score.

    Most importantly, stick to the plan that you created to reduce your debt. Recognize that it probably will not be possible to take advantage of promotional financing offers over and over again.

    By understanding some of the nuances of balance transfers, cardholders can use these offers to save as much money as possible on their credit card interest charges.

    This work is the opinion of the columnist and in no way reflects the opinion of ABC News.


    23/09/2017

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

    #travel insurance comparison
    #

    Travel Insurance

    Compare Travel Insurance policies from leading UK insurers

    Travel Insurance with no upper age limit

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

    About Just Travel

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

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

    Just Travel FAQs

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

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

    Is the information you collect secure?

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

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

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

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

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

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

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

    I live outside the UK, can I get cover?

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

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

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

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

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

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

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

    None News

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

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

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

    25 Nov 2015

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





    22/09/2017

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    What to Do if You Get a Call From the IRS


    #

    What to Do if You Get a Call from the IRS Asking for Money

    Updated June 20, 2016

    Be wary if you get a call from a person purporting to be an IRS agent asking for payment of taxes. The Treasury Inspector General for Tax Administration (TIGTA) warns that we are currently experiencing the largest ever telephone scam involving swindlers impersonating IRS agents and extorting money out of innocent taxpayers.

    How the scam works

    Callers claiming to be from the IRS tell intended victims they owe taxes and must pay using a pre-paid debit card or wire transfer.

    The scammers threaten those who refuse to pay with arrest, deportation or loss of a business or driver s license, TIGTA said in their news release.

    Scammers will often appear to be legitimate. TIGTA reveals the fraudsters often:

    • Use common names and fake IRS badge numbers.
    • Know the last four digits of the victim s Social Security Number.
    • Make caller ID information appear as if the IRS is calling.
    • Send bogus IRS e-mails to support their scam.
    • Call a second time claiming to be the police or department of motor vehicles, and the caller ID again supports their claim.

    Over 20,000 incidents of this scam have been reported to TIGTA, and victims have been defrauded of over $1 million as of March 20, 2014.

    What the IRS s Procedure Really Is

    The IRS contacts taxpayers by mail alerting them that they owe taxes. and the letters explain options for paying by check or setting up an installment agreement.

    IRS agents do not take credit card numbers over the phone.

    How to protect yourself if you get a call saying you owe taxes

    TIGTA provides the following tips for how to deal with this telephone scam:

    • If you owe Federal taxes, or think you might owe taxes, hang up and call the IRS at 800-829-1040. IRS workers can help you with your payment questions.
    • If you don t owe taxes, call and report the incident to TIGTA at 800-366-4484.
    • You can also file a complaint with the Federal Trade Commission at www.FTC.gov. Add IRS Telephone Scam to the comments in your complaint.

    Exercise vigilance. Contact the IRS, or ask your tax professional to contact the IRS for you, instead of dealing with someone calling you out of the blue demanding money.

    For more details, read TIGTA Warns of Largest Ever Phone Fraud Scam Targeting Taxpayers (TIGTA-2014-03) and Scam Phone Calls Continue; IRS Identifies Five Easy Ways to Spot Suspicious Calls (IR-2014-84).


    22/09/2017

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    Find Virgin Money Travel Insurance Single Trip UK voucher codes, discounts

    #virgin money travel insurance
    #

    Virgin Money Travel Insurance Single Trip Vouchers

    Virgin Money Travel Insurance Single Trip is a travel insurance company who deals with single trip insurance. They cover travellers who are going for one trip between 3 and 365 days, to get this insurance you have to be between 18 and 65. This insurance as standard includes; free kids cover(up to 3 under 18s per adult), 40 adventure sports, including scuba diving, mountain biking and bungee jumping, you are covered if your holiday is cancelled, delayed or cut short and we pay for hospital bills, medical treatment and your journey home if you need to travel back to the UK due to illness or injury.

    Here at moneysupermarket.co.uk we aim to bring you all the best insurance deals and discounts, helping to find the cheapest insurance deals for your travel insurance. As well as Virgin Money Travel Insurance Single Trip, we are in close contact with all our insurance providers, meaning that it ‘s never been easier to find the best travel insurance for you.

    Make sure you check out moneysupermarket.co.uk before you decide to buy insurance, as there are lots of money savings discounts, voucher codes and special offers to cut the price of your premium.





    22/09/2017

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    10 Tips: Should you buy travel insurance? Money – 10 Tips.

    #buy travel insurance
    #

    In rare instances it s a good deal, but it often duplicates existing coverage

    Planning to go trekking in the Himalayas? Or maybe take a little cruise down to Mexico? Before you head for the hills, it’s a good idea to make sure you have enough insurance coverage.

    More from TODAY.com

    Clinton said she is inspired to keep working to ensure that Charlotte and her generation are provided equal opportunities.

    Travel insurance is becoming increasingly popular, but in many cases it simply duplicates coverage you already have.

    The following tips can help you determine what kind of travel coverage, if any, is right for you.

    1. Familiarize yourself with what’s out there. Travel insurance can include trip cancellation, trip interruption, accidental death or dismemberment, medical and dental care, transportation to medical facilities, loss of luggage or personal possessions and protection against the bankruptcy or default of your cruise line or tour operator.

    2. Determine whether you’re already covered. Many homeowners’ and renters’ policies provide coverage for theft and other losses away from home. Your medical and auto insurance may be valid in other countries. Your life insurance policy should cover you and your family while you travel. And airlines must reimburse you if they lose your bags.

    3. Remember your credit cards and auto club membership. Check to see what travel protection you have from those little plastic cards in your wallet. The American Express Platinum Card is especially good about giving generous accidental death and dismemberment coverage, insurance for car rental loss and damage, and extra lost baggage protection.

    4. Buy through a third-party insurer. Travel agents, tour operators and cruise lines sell travel insurance, but your safest bet is to obtain coverage through an established insurance company. This way your coverage won’t go up in smoke if your travel company goes bankrupt. You can compare rates at InsureMyTrip.com.





    07/09/2017

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    Do Discount Travel Booking Sites Really Save You Money? #jordan #travel

    #travel booking sites
    #

    Do Discount Travel Booking Sites Really Save You Money?

    Feb 27, 2015 | Updated Apr 29, 2015

    U.S. News Travel U.S. News World Report Travel

    Thanks to our social media feeds, Netflix queues, Amazon accounts and Google search results, we’ve come to expect our online search results to cater specifically to our interests and needs — including when it comes to travel.

    Whenever we enter an online travel search, it’s our assumption that these deals are made just for us and that they’re the best available, but that may not always be the case. According to “Measuring Price Discrimination and Steering on E-commerce Web Sites ,” a study published by Northeastern University in November 2014, numerous travel booking search engines are guilty of price discrimination or price steering. The study looks at hotel and rental car searches across six popular travel booking sites (CheapTickets, Orbitz, Expedia, Hotels.com, Priceline and Travelocity), and is the first of its kind to compare results between real user accounts and synthetically generated ones.

    Price discrimination (as defined by the study) is an industry term that means prices vary user to user, while price steering refers to the order in which search results appear. These factors can sometimes work to your advantage, depending on how they’re implemented. It’s great if you’re driven toward the best deal, but it’s not so beneficial if you’re unknowingly pushed toward higher prices. Even though some of these practices may seem shifty, they aren’t illegal in the United States.

    “Most of the time people love this stuff. We love to bargain hunt, we love coupons,” said Christo Wilson, one of the study’s authors. “The difference between the real world and online is the transparency issue. People feel cheated if they don’t know that they’re seeing altered results.”

    Here are a few takeaways from the study that can help you secure a deal without wondering if there’s a better bargain out there.

    Simply sign up The authors behind the study noted that price discrimination and price steering aren’t necessarily bad things, what matters is whether sites are transparent about what users are getting, which can be difficult to detect on e-commerce sites.

    For example, the study found that CheapTickets and Orbitz presented reduced prices on hotels to “members” who are logged into their respective accounts at the time of their search, thereby using price discrimination. Orbitz Worldwide, which owns and operates the two sites, said it marks members-only prices and acknowledged that they offer lower prices to those who have accounts on their websites. So, it pays to sign up for an account with these websites and to sign in to your account when searching for deals.

    Use your phone The study also found that Travelocity (and the retailer Home Depot) personalizes results for mobile users, specifically those using iOS devices. Users who search with Safari on their iPhones received different hotels in a slightly different order than consumers using Chrome for Android and other desktop browsers.

    Overall, hotel prices were listed at about $15 (or 5 percent) lower on iOS devices than other mobile operating systems and desktop browsers, providing proof of price discrimination, where a certain group receives lower prices.

    “Online travel retailers have publicly stated that mobile users are a high-growth customer segment, which may explain why Travelocity offers price incentives to iOS devices,” the study states.

    Clear your cookies, or don’t While the study doesn’t call out Priceline for price steering or discriminating, the study’s findings show that the discount booking site personalizes search results based on the account history of users.

    The study states: “Users who clicked on or reserved low-price hotel rooms receive slightly different results in a much different order, compared to users who click on nothing, or click/reserve expensive hotel rooms.”

    Since users are tied to their IP address and booking history on individual sites, travel search engines like Priceline can customize results to show the properties that an individual is more likely to look for, and subsequently book.

    Overall, the authors of the study concede that there’s no foolproof method to ensuring you get the best price. “The companies know a lot about you and we know very little about the companies. If you’re an ordinary person on the website, you have no idea why you’re seeing certain prices,” said Wilson. “Depending on algorithms, it’s very hard to get out of them.”





    05/09/2017

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    Booking Flights In Advance: Do You Really Save Money? #cheap #flights

    #book airline flights
    #

    Booking Flights In Advance:

    Page 1 of 2

    For many years, nerds the world over have been trying to dig up trends in airline pricing data. Of course, airline companies, being smart behemoths with lots of money, have their own herds of nerds who spend their time figuring out how to maximize revenues through ticket pricing strategies. Unfortunately for us, this statistical nerd battle means that the trends that can be extrapolated are few and far between, as the airlines deliberately avoid certain trends so they can sell the most tickets for the maximum price. The doubt that exists as to whether you ll get a cheaper ticket is partly engineered to encourage you to buy as soon as you know you want to make a trip (pantomime hissing and booing is appropriate at this stage).

    Recent research has revealed more about the pricing strategies of the airlines, most of which change their ticket prices a number of times a day. It becomes apparent that a change in ticket-hunting strategy is, therefore, also necessary (and that those blog posts on booking at midnight are rubbish). Here s your guide to when it usually is cheaper to book in advance, and when it most certainly isn t.

    when it s cheaper

    Midweek, out of season

    The clich is true midweek flights are cheaper. A trip from Chicago to New York is presently 15% to 20% more expensive on days other than Tuesdays or Wednesdays. If you re flying high season, it might be worth booking in advance just to be able to get a midweek ticket, but also because the prices go up as demand goes up and planes get full.

    Two months before the flight

    There is no conclusive evidence that flights are cheaper if you book ages in advance. In fact, it s often not the case. But in a study of 12 months worth of data on the two busiest routes in the United States (Chicago-New York and Houston-Dallas) comparing the economy class pricing of six different airlines produced the cheapest prices two months before the flight. From here on, the prices started rising. In a paper for the Social Sciences Research Network, Professor Volodymir Bilotkach and others made the same finding for the international route from New York to London.





    31/08/2017

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    Save Money on Airfare #baby #travel #systems

    #airfare travel
    #

    Five Ways to Save Money on Airfare

    By John Lopinto

    Co-Founder, ExpertFlyer.com

    To the seasoned and occasional traveler alike, getting the best value in an airfare is the elusive dream that is difficult to consistently achieve. Learning to save money on airfare and thus reducing the cost of your airline ticket each and every time you fly takes a bit of patience and a lot of know how.

    It is Possible to Save Money on Airline Tickets

    There are some time-proven axioms that you can follow to put the odds on your side in helping you save money on airline tickets. These include:

      #1 Change the Time You Travel

    If you want to save money on airfare, don’t be rigid on the time of day you want to travel. Going between New York and Los Angeles, for example, may have one airline offering as many as seven or eight flights on a particular day. If you want to leave in the morning, investigate the three or four departures offered during that time period. Moving your departure time by just one hour, on your departure or return, may save you significant money on the airline ticket price.

    #2 Change the Day You Travel

    Even if you require traveling on a particular airline or time of day, look at moving your desired departure or return day by one or two days. It is often the case that a particular flight may be cheaper on a Tuesday than a Wednesday, or a Saturday instead of a Sunday. The side benefit of this might be a free one-day “vacation” as the savings in airfare can more than offset the additional cost of a hotel room and meals.

    #3 Change the Route You Travel

    Yes, we all like to travel directly from where we are to our destination as quickly as possible and without changing planes. But how much is this worth to you? Airlines often make connecting flights from your origin to destination less expensive than their non-stop flights. It may add a couple of hours to travel time but it may be worth the hundreds of dollars you could save on airfare. Airline websites, unfortunately, are designed to show you the most direct and shortest time between the cities you request. If they have an option to “search by fare” use that option with maximum number of results possible and drill down deep in the results to make sure you see all the fares available. Changing the route you travel could be the best way for you to save money on airfare.

    #4 Change the Airline You Use to Travel

    Competition is a wonderful thing when it comes to saving money on airfare! Many routes are highly competitive and it can force an airline with traditional dominance in a market to drop its airfares, sometimes dramatically, in response to a new competitor or fare sale from other competing airlines. Often times these “sales” will happen on a moment’s notice and may only last for a few days. If you have a favorite airline you wish to use, subscribe to their email alerts for your favorite cities so you can be kept up to date on any fare changes. But, don’t limit yourself to just one airline. Do it for all the airlines in your market.

    #5 First Class Cheaper Than Coach?

    No discussion of ways to save money on airfare would be complete without talking about the new currency for airfares: the frequent flyer mile. More and more of us are accumulating these frequent flyer miles that pay for airline tickets. Our first inclination when trying to redeem these miles is to seek out a coach seat using the lowest amount of miles, typically around 25,000 miles. However, it is usually the case that the airline does not have any seats at the lowest mileage redemption level when you would like to travel but may have them if you use twice the miles. Before giving in to this requirement, ask about business or first class awards. You may be surprised how many times discounted business or first class awards may be available to and from your destination for the same or less or slightly more miles than for double mileage coach awards. The extra comfort and perks are the icing on the cake!

    To save money on your airfare be flexible, keep current on airfares, explore all your routing options and look at all the ways frequent flyer miles can be redeemed. A membership to ExpertFlyer can help you determine a number of ways to save money on your airfare with airline awards and upgrades as well as save you time on choosing the best flights for your needs. From real time seat maps for over 100 airlines to monitoring the availability of over 20 flight segments at one time, ExpertFlyer is the frequent flyer’s link to making your airline travel the very best it can be.





    30/08/2017

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    The Best Rental Car Deals for Road Trips: Money Smart Life

    #best deals on rental cars
    #

    The Best Rental Car Deals for Road Trips

    August 3, 2011

    Rental car deals are in high demand with many travelers expecting higher air fare costs this summer. Some of those travelers will forge on, willing to pay the higher price to get to their dream destination. But with many Americans still unemployed or just recently having found new employment the high price of flying may cause them to consider vacations closer to home and send them in search of rental car discounts.

    Taking a regional road trip in a rental car doesn t have to break the bank, especially when compared with flying across the country. Instead of increasing your maintenance costs or worrying if your car can survive a road trip, you borrow the rental agency s car for a known cost and call it a day. If the car has maintenance problems that weren t caused by an accident, it s not your problem. They ll swap you out into a new car and get you going.

    Tips for Saving on Rental Cars

    Renting a car can also get pretty expensive, but not if you know how to look for the best deals. Use the following tips to maximize your savings on rental cars. I worked in the rental industry for about a year and this is how I would go about getting the best deal.

    Finding the Best Deal

    There is no one best way to find the best deal on rental cars, but knowledge is power. Things you need to know:

    What s the business model? Rental car agencies go after different types of business. Some focus on repair work while your car is in the shop. Others focus on business travelers and only have airport locations. Knowing the company s business model will help you determine their down times. You can get a better deal during slow periods when they have a lot of extra cars on hand.

    • For example, Enterprise has thousands of locations across the country. They focus on being in your neighborhood and deal with a lot of insurance and car repair rentals. That means their cars are in high demand Monday through Friday. On Friday the body shops finish up, and the agency has extra inventory over the weekend. You can get amazing deals on the weekend. More on this in a moment.

    What s in demand? During the summer months the most in demand vehicles are SUVs and minivans. This is especially true around holidays like Memorial Day or the 4th of July. You ll need to book well in advance or risk missing out.

    Know the car sizes. Check out the company s website and be familiar with their car classes. Booking a smaller vehicle will save you money, but don t be surprised if it is really small.

    Check Online Specials First

    The internet is one of the best places to find widely advertised deals on rental cars. Check all of the popular agency s websites first. You know these deals are legitimate because it is coming straight from the source. Follow that up with a check of large travel aggregation websites like Kayak. They ll be able to spot some of the secret or less advertised deals that you can t find without a lot of extra work.

    For example, say Enterprise has their $9.99 weekend special going. You can pay as little as $10 per day for three days, and get 300 total miles to use on your rental for a compact size car. That s a 60% discount off the regular rental price of $24.99 in my area. A full size car can be had for $19.99 per day that s 43% off the regular price of $34.99.

    Budget has a similar deal. They offer $5 off for every weekend day you have a rental. A 3 day rental (Friday to Monday) would have $15 knocked off the final price. How can they afford to do this? Again, they have a lot of inventory on the weekends. Having vehicles on the road for as little as $30 in revenue is better than having the cars sit on the lot for $0 in revenue.

    One way to make the deal even sweeter is to use a rental car credit card that offers rewards or discounts when you reserve your car online. Just be aware that not all deals can be combined so you might not be able to use the credit card discount along with an advertised special.

    Pick Up the Phone

    Pick up the phone and call your local branch. Have their website pulled up and know what discounts they are currently offering. Let them know of your plans, and have them walk you through the best deal they can offer. When they re done telling you the price, tell them that s not low enough or ask if there is anything they can do to get you to reserve the car today. They may be able to find a discount to put on your rental to drop the price down a bit. Talking to a live human being that works at your local branch gives you an advantage over computer systems.

    Book with Travel Partners

    You can also try booking with travel partners. If you re booking a hotel room you may be able to get a package deal with one of their preferred car rental agencies.

    Negotiate at the Counter

    You have negotiating leverage. Unlike hotel reservations, many rental agencies do not charge you for not showing up for your reservation. Once you are there they want to make sure you leave happy. You can book a lower class vehicle and try to negotiate your way into a larger vehicle at a discounted price.

    In fact, the representative behind the counter may try to do convince you first. Many companies will run up-sell competitions and rewards their reps for selling you from a smaller vehicle class into something bigger, even if it isn t at full price. They re getting more revenue for having your reservation out on the road. You can also try asking for discounts based on:

    • The rate your insurance company gets (which is much, much cheaper than retail). You likely won t get the full discount, but they may knock the price off a bit.
    • Memberships you have (AAA, AARP, etc.)
    • Your company s corporate discount

    Granted, this only works when the company has a lot of excess inventory sitting on the car lot. You won t find much negotiating room if you re renting their next to last car. If they don t rent to you they ll find another customer to put into that car.

    Consider Gas Mileage

    With gas nearing or over $4 per gallon in many parts of the country, be sure to check on gas mileage first. Taking 4 friends on a road trip to the beach? Riding in style in a massive SUV may seem great, but you ll be guzzling gas the whole way (along with paying higher rental costs in the first place). Those 4 people would easily fit into a standard or full size car, saving you money on gas and rental charges.

    Document the Car s Condition

    Make sure you document the car s condition very well. Renting cars happens very fast. There is important paperwork you sign, including an agreed upon condition of the car. If you don t mark any of the current damage (knicks, dings, dents) on the contract you may be held liable for them when you return the vehicle. Read the fine print on the rental car insurance and make sure you understand what s covered and what s not. In this technology covered age I would recommend taking photos or a video of the walk around on the car on your smartphone or camera. It will help defuse any situations that pop up when you return the car.

    Last updated by Kevin .





    21/08/2017

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    Travel Insurance Money Saving Tips #travel #agency #uk

    #best travel insurance
    #

    Travel Insurance Tips

    Find the best travel insurance quote for your trip

    Getting the most from your cover

    Going away is one of the highlights of the year, and none of us really wants to think about something going wrong while we are enjoying sun, sea and sangria.

    But the reality is that some of us will have some sort of problem while we are away, whether that is lost luggage, delayed or cancelled flights, or a medical emergency. So getting travel insurance really is a must before you head overseas.

    However, the price of policies can vary dramatically, so never accept the first price you find, always compare prices to make sure you get the best value cover you can.

    What do you need to cover?

    You must get cover for anything that you anticipate could go wrong. So the basics would be lost luggage, delay or cancellation of your flights, needing to cancel your holiday before you go away in the case of illness or a death in close family, medical treatment while you are away, and cover for any dangerous sports or activities that you are planning on taking part in.

    For medical cover, the minimum cover you should have is 1m, although some policies will go as high as 10m, and it is wise to get a higher limit if you are travelling in America or Australia, where treatment is famously expensive.

    Getting cover for medical evacuation and repatriation, in case you cannot fly home on a commercial flight or without a medical professional, is wise. This is especially the case if you are involved in winter sports or other dangerous activities which could lead to serious injury.

    Never assume the activity you want to undertake is covered as standard under the policy – you always need to check the terms and conditions, and buy additional cover if you need to.

    Baggage cover and cancellation cover should be at least as high as the value of the baggage you are taking, and the cost of your holiday so you are not out of pocket.

    Cancellation cover will usually be between 1,000 and 2,000, which for most trips will be enough, but remember to include any pre-paid trips and excursions you are planning while you are away.

    If you are taking expensive items with you, such as laptops or cameras, then make sure their value is within the single item claim limit on the policy you have chosen. This is often 200- 300. Otherwise you could find yourself unable to replace them if they are lost or damaged while you are on holiday.

    You should also have at least 1m of personal liability cover in case something happens and you face claims against you personally as a result.

    In addition, getting some kind of catastrophe cover with your policy, so if there is a repeat of the Icelandic Ash Cloud or there is another disaster while you are away that prevents you from getting home, you will be able to reclaim your additional costs.

    What happens if the holiday company goes bust?

    This depends on whether you have left before or after it fails. Years ago, it would have been unusual for someone to consider this, but with the likes of XL and Silverjet going under in 2008, it has become much more of an issue for holidaymakers.

    If you have booked a holiday in good faith with a company and it goes bust before you go away, you will not usually have enough cover under your insurance policy to deal with this, unless you have what is called ‘Standard Airline Failure’ as part of your cover. But this is rare, so if you want this cover you need to make sure you choose a company that offers it.

    If you are away when the holiday company goes bust, then providing it is Air Travel Organisers’ Licensing (ATOL) protected, which most package deals will be, then you will be able to get home as this means the Civil Aviation Authority will arrange new flights home for you.

    If you are yet to leave, you should also be able to get a refund under ATOL rules, but this is not the case if you have booked your accommodation and flights separately. In this case, if you have booked your holiday on your credit card, you may be able to get your money back under Section 75 of the Consumer Credit Act.

    This makes the credit card company and the provider of goods or services jointly liable if those services or goods are not provided, or are substandard and are worth more than 100 and less than 30,000.

    What if my flight is delayed or cancelled?

    If your flight is delayed your airline will have to provide you with a seat on a later flight, or refund your money. You have no right to expect the airline to pay for another flight with a separate airline.

    If it is cancelled, then you should be entitled to food, phone calls and accommodation if the delay means you being stranded overnight. But there is a grey area here, as if the airline claims the delay is outside its control, it does not have to provide you with any compensation.

    Being delayed for between eight hours and 12 hours means you should be able to claim some money back from your travel insurer. Check the terms and conditions though, as the actual length of time the delay needs to be will vary from insurer to insurer.

    Catastrophe cover will help you if you suffer delays and cancellations due to major events, such as a Volcanic Ash Cloud, but do not assume that you are covered on a standard policy without this being specifically mentioned. To be fair, in most cases, travel insurers will step in to help their customers in these instances even if the cover is not specifically offered, but do not expect it.

    Annual, multi-trip or single trip travel insurance?

    If you travel abroad a lot, then getting multi-trip cover will work out cheaper for you. Buying single policies each time will become expensive, and you could forget to buy it before you go, which will be a disaster.

    However, if you are only going away once in a year, a single trip policy would probably be better value. In both cases, you should compare policies to make sure you are getting the best cover you can, at the best possible price. Remember, cheapest is not necessarily best.

    What is an EHIC?

    This is a European Health Insurance Card which entitles you to state-funded care while you are travelling in the European Economic Area and Switzerland. It does not replace travel insurance, as it will not offer cover for repatriation or cancellation and so on, and you may also need to pay for some care abroad that you would get free in the UK.

    What other type of travel insurances are available?

    These policies will offer cover for families who are travelling together, and sometimes when they are travelling apart. You may have to pay for children to be added to the policy, but again in some cases they will be allowed to be included at no extra cost to you.

    When you reach age 65, travel insurers get twitchy about offering you cover, as they think you are more likely to make a claim when you travel abroad. So a number of companies have started offering policies specifically to cover this age group. Again, compare costs and cover to make sure you get what you need.

    Pre-existing medical conditions

    Standard policies will often exclude any pre-existing medical conditions you have, but if you need to have something covered while you are away, such as diabetes, there are companies who will do this.

    Winter sports

    Taking part in winter sports such as skiing and snowboarding are considered dangerous activities, and if you want to do this while you are away, you will need to take a policy that offers this cover.

    Comprehensive cover for less

    Travel insurance comes in a variety of shapes and sizes, and so does the premium you will pay. Buying your cover from your travel agent when you book may seem like a good idea, but in some cases these policies do not offer you the cover you need, and can be a lot more expensive than policies available elsewhere.

    So you should make sure you compare policies to get the best deal. Do not assume that the cheapest policy is going to be the best one for you, you must be sure you can pay any excess for a claim – the higher this is, the lower the premiums – and it must also provide the cover you need.

    The value of a policy is in whether a claim will be accepted and paid, so it is vital to check the terms and conditions of the policy you are looking to sign up to. Make sure you are comparing like-with-like too, as thinking your policy is better value but finding it does not have the specific item covered, or level of cover you need, is a false economy.

    MoneySuperMarket wish you a safe and enjoyable trip.





    19/08/2017

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    Asking for a lot of money #cheap #flight #prices

    #flights and hotel deals
    #

    Asking for a lot of money

    Most people dream of making a lot of money. The question is, what does that mean?

    The truth is that money is highly subjective. Certainly, a billion dollars is a lot of money; there are only a handful of billionaires in the world. Is a million dollars a lot? In terms of total wealth, no; a significant minority of the population has a million dollars or more in total assets to leave to their heirs, largely due to the appreciation of real estate. Were one to make a million dollars a year, however, that person would be among the most highly paid in the world.

    Personal perception has a significant role in determining the amount of money that a person can expect to make. The reason for this is that the two factors that most influence earnings–level of demonstrable skill, and payment requested from an employer–are very dependent upon the individual. Moreover, while skill is partially based on individual confidence and partially dependent upon innate ability, the amount of money that a person asks an employer to provide is solely based on the individual.

    Of course, the two are related. One cannot have a minimal skillset and expect to receive a high salary. However, many people have excellent skillsets yet are paid comparatively little versus their peers. Why?

    The truth is, they probably didn’t ask–or if they did, they didn’t ask in a way that conveyed they really thought that they deserved what they wanted. In many cases, the boss knows the most that he or she can pay, but will be pleased to pay less if an employee will accept it.

    Of course, the boss will not tell the employee what he or she can actually afford to pay. But dealing with that is comparatively easy in the Information Age: there are salary guidelines for given locales and positions available on the Internet. The real challenge is not asking a high level of compensation, but feeling that you deserve the high level of compensation for which you are asking.

    To do that, one must understand the relative value of money. We have established that being a billionaire is truly remarkable, and that accumulating a million dollars over a lifetime is not but that making a million dollars per year is. What about lower income levels–the sort that we tend to see in everyday life?

    How much is a lot?

    The U.S. Department of Health and Human Services Federal Poverty Guideline for a family of four in 2006 is $20,000. A family that makes this amount or less is, by definition, poor.

    The median income reported for a family of four in 2006, however, ranged from a low of $45,867 in New Mexico to a high of $87,412 in New Jersey. These figures include single- and multi-earner households.

    Consider a candidate in New Jersey who holds a degree in a moderate-demand field. Will he or she accept a salary of $20,000? Probably not. Expecting a salary of $87,412 may seem excessive, though, because he or she would, as a single earner, be requesting the average income of a family of four.

    But is it excessive? Actually, no; if $87,412 is the median salary–meaning there are an equal number of earners above and below that mark–the candidate could, in fact, confidently request $90,000 or more. The reaction from a hiring manager would depend in part on the industry and also in part of the applicant’s specific skillset. Another candidate, in another job, however, could ask for it and get it. The trick is to have the audacity to ask.

    A real-life story

    Shortly after I finished college, someone I knew earned $40,000 a year. His stated goal was to reach a salary of $50,000. He worked hard to apply himself to education and professional development, and volunteered for special projects to expand his skillset.

    His next job offer caught him off-guard: $73,000. He took it, of course, astonished at how much he now made. Within a few months, though, he realized that others in the field made considerably more. He stayed active in professional development and worked hard to master new skills.

    A year into the job, he requested an increase in salary, providing his employer with salary survey data and other information. He received a raise to $89,000 and was offered an incentive plan based on performance.

    After three years, he decided to leave. He interviewed at a number of top companies that were excited to meet him. He had an offer from one for $110,000 and then got an offer from another for $115,000. Deciding that he prefered the first company, he asked if they would increase their offer. Knowing that this would require approval, however, he offered to take an initial salary of $100,000 until he finished his probationary period. They accepted.

    Four years ago, he aspired to someday make $50,000. Today, he makes $115,000–and considers $200,000 to be easily within reach given a few more years. And why?





    15/08/2017

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    8 Money Myths #travel #neck #pillow

    #cheap flights hotel and car
    #

    8 Money Myths

    8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

    Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

    Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

    Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

    Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

    Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

    Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

    Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

    Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

    Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

    In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

    1. Change money is scarce to money is abundant and support a courageous relationship to money.

    2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

    3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

    4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

    5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

    6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

    7. Change money is a menace to money is a solution and create a positive relationship to money.

    8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

    You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

    Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

    Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





    12/08/2017

    Posted In: NEWS

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    8 Money Myths #airline #travel #sites

    #cheap flight and hotel deals
    #

    8 Money Myths

    8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

    Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

    Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

    Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

    Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

    Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

    Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

    Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

    Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

    Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

    In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

    1. Change money is scarce to money is abundant and support a courageous relationship to money.

    2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

    3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

    4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

    5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

    6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

    7. Change money is a menace to money is a solution and create a positive relationship to money.

    8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

    You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

    Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

    Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





    12/08/2017

    Posted In: NEWS

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    401(k) Participants Turn to Pros For Help Managing Their Money #travel

    #cheap flights with car rental
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    11/08/2017

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    Travel Money #annual #travel #insurance

    #no 1 travel
    #

    Compare the Market

    Compare our Euro exchange rate today to see how many Euros 450 will buy you.

      630.00 No.1 Currency
    • 613.67 Marks & Spencers
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    • 603.54 Barclays

    Rates correct on 30/11/2015. Exchange rates calculated are for illustration purposes only – actual rates may vary.

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    If you’d like to become a No.1 partner, and benefit from industry leading knowledge and FX support to generate your own currency buying revenue stream, click below to find out how.

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    Import/Export businesses are guaranteed timely settlements in the currency of their choosing at hugely competitive FX rates.

    Personal customers emigrating, wiring money abroad or trading overseas property really benefit from our user-friendly, currency transfer service too.





    11/08/2017

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    401(k) Participants Turn to Pros For Help Managing Their Money #train

    #flight hotel deals
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    11/08/2017

    Posted In: NEWS

    Tags: , , , , , , , , ,

    Leave a Comment

    401(k) Participants Turn to Pros For Help Managing Their Money #travel

    #cheap flights and hotel
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    11/08/2017

    Posted In: NEWS

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    Leave a Comment

    UCharge: Accept Credit Cards – Android app on AppBrain #appbrain,android,app #promotion,app


    #

    uCharge: Accept Credit Cards

    Changelog

    • Jul 14, 2016 Update Version 6.15
    • May 7, 2016 Update Version 6.14
    • Apr 7, 2016 Update Version 6.13
    • Mar 8, 2016 Update Version 6.12
    • Nov 26, 2015 Update Version 6.10
    • Sep 1, 2015 Update Version 6.9
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    • Feb 28, 2014 Installs 1,000+ installs
    • Jan 24, 2014 Update Version 6.3
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    • Aug 19, 2013 Update Version 5.30
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    • Jun 19, 2012 Installs 100+ installs
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    Description

    uCharge is an iPhone credit card processing app. Download this app once you’ve received your setup activation code from your merchant services provider.

    Recent changes:
    Bug fixes

    New features since 6.0:
    Sales Tax
    Customizable Tip
    Additional device support for swiper

    uCharge is an iPhone credit card processing app. Download this app once you’ve received your setup activation code from your merchant services provider.

    Recent changes:
    Bug fixes

    New features since 6.0:
    Sales Tax
    Customizable Tip
    Additional device support for swiper

    activation app card code credit download from iphone merchant once processing provider received services setup ucharge your

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    Google Play Rankings

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    Permissions

    test access to protected storage

    Your personal information

    read your contacts

    precise (GPS) location

    view network connections, pair with Bluetooth devices, full network access

    modify or delete the contents of your USB storage

    read phone status and identity

    Libraries

    Ad network libraries

    Development tools

    Related apps

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    Credit Card Machine – Accept

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    11/08/2017

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    Savings Accounts – What are The Different Kinds? #savings #accounts,money #market


    #

    Savings Accounts

    Most people think of savings accounts as the “one-size-fits-all” accounts offered through their local banks. Actually, when putting away money, you have a lot of options these days. You need to learn about the different kinds of accounts, to determine what is best for your and your family.

    First is the traditional savings account, usually through your local bank or credit union. Banks are FDIC insured, which means the government is insuring you will not lose your savings. Typically, you can open an account with a small amount of money.

    You have easy access to your money if it is through your local bank. The major disadvantage is a low interest rate of return. Every month you will receive a statement through the mail or email, depending on your preference.

    Secondly, there is the twist on the traditional account. This is the online bank account. Online you will often get a much better, competitive interest rate. Be sure the bank you choose is FDIC insured. Some online banks require a higher amount of money to open an account than a traditional bank would.

    Next is the CD or Certificate of Deposit. This is the best option if you have money to put away for a period of time, that you will NOT need immediate access to. Usually this money is deposited for a minimum of six months to a year. If you withdraw early, there is a big penalty fee.

    CD’s often accrue interest at a higher rate of return than a normal savings account. They are available through brick and mortar banks or online, and are insured by the FDIC.

    Fourth is the money market account. This requires a higher minimum deposit to open the account, but the interest rate is higher. You are also usually required to keep a minimum balance (amount of money) in your money market.

    Consumers can access their money market and withdraw by check (typically, you may write a certain limited number of checks a month). Once again, money market accounts should be insured by the FDIC.

    A final savings tool that is often overlooked is the US Savings Bond. This bond is government-issued (therefore, nearly risk-free) and you can usually get them at your local bank. The downside to US Savings Bonds is that they often take a long time to mature.

    Look closely at all your options when considering how and where to save your money. Part of debt-free living is storing some cash away for a rainy day, so be wise about where you put it.


    09/08/2017

    Posted In: NEWS

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    Car Crash Costs and Statistics #auto, #accident, #car #crash, #statistics, #cost,


    #

    Cost of Auto Crashes & Statistics

    The highest price we pay for car crashes is in the loss of human lives, however society also bears the brunt of the many costs associated with motor vehicle accidents. According to the National Highway Traffic Safety Administration (NHTSA ), U.S. motor vehicle crashes in 2010 cost almost $1 trillion in loss of productivity and loss of life. The study was released in May 2014. The auto industry’s steady improvements in vehicle safety over the last several decades despite a litany of safety recalls had driven down the number of roadway deaths to an all-time low of 32,675 in 2014.

    NHTSA reports the number of people killed on the road in the U.S. soared 7.2% to 35,092 in 2015, marking the deadliest year on the road since 2008. Though the increase was widely expected after NHTSA last month revealed a preliminary estimate of a 7.7% increase, the official figure solidifies 2015’s dubious distinction as the first year-over-year increase since 2012. In addition, roadway deaths of pedestrians and cyclists hit a two-decade high in 2015.

    New findings from the Insurance Research Council’s (IRC) Auto Injury Insurance Claims Study shows that medical expenses reported by auto injury claimants continue to increase faster than the rate of inflation, in spite of the fact that the severity of the injuries themselves remain on a downward trend. From 2007 to 2012, average claimed economic losses (which include expenses for medical care, lost wages and other out-of-pocket expenditures) grew 8 percent annualized among personal injury protection (PIP) claimants. Among bodily injury (BI) claimants, average claimed losses grew 4 percent. Over the same period, measures such as the percentage of claimants who had no visible injuries at the accident scene or who had fewer than 10 days in which they were unable to perform their usual daily activities provided evidence of a continuing decline in the severity of injuries.

    • In 2013, the average auto liability claim for property damage was $3,231; the average auto liability claim for bodily injury was $15,443 (ISO. a Verisk Analytics company).
    • In 2013, the average collision claim was $3,144; the average comprehensive claim was $1,621 (ISO. a Verisk Analytics company).

    Private insurers pay approximately 50% of all motor vehicle crash costs. Individual crash victims pay about 26%, while third parties such as uninvolved motorists delayed in traffic, charities and health care providers pay about 14%. Federal revenues account for 6%, while state and local municipalities pick up about 3%. Overall, those not directly involved in crashes pay for nearly three-quarters of all crash costs, primarily through insurance premiums, taxes and travel delay (National Highway Traffic Safety Administration ).

    Crash Type & Driver Behavior

    In 2013 there were 5,687,000 police-reported motor vehicle traffic crashes, 32,719 people died in motor vehicle crashes, down 3.1 percent from 33,782 in 2012. Of total crashes in 2013, 1,591,000 caused injuries and 4,066,000 caused property damage only.

    The National Highway Traffic Safety Administration estimates about 10 million or more crashes go unreported each year.

    Alcohol-Related Crashes: In 2013, 10,076 people were killed in alcohol-impaired driving crashes (any fatal crash involving a driver with a blood-alcohol content (BAC) of 0.08 percent or higher), down 2.5 percent from 10,336 in 2012. Of the persons who were killed in traffic crashes in 2013, 31 percent died in alcohol-impaired driving crashes. In 2010, drunk driving alone accounted for 18% of the total economic loss from motor vehicle crashes, costing the economy as much as $199 billion in direct and quality-of-life losses (NHTSA ).

    Speeding: According to the National Highway Traffic Safety Administration (NHTSA) in 2013, 9,613 lives were lost due to speed-related accidents, down 6.9 percent from 10,329 in 2012. NHTSA says that speed-related crashes cost Americans $40.4 billion each year (NHTSA ).

    • Speeding was a contributing factor in 29 percent of all fatal crashes in 2013.
    • In 2013 about 35 percent of both 15 to 20-year-old and 21 to 24-year old male drivers who were involved in fatal crashes were speeding at the time of the crash.
    • Red Light Running: The IIHS says that more than 900 people a year die and nearly 2,000 are injured as a result of vehicles running red lights. About half of those deaths are pedestrians and occupants of other vehicles who are hit by red light runners.

    • Fatigue: A study by the AAA Traffic Safety Foundation found that 37 percent of drivers report having fallen asleep behind the wheel at some point in their lives. An estimated 21 percent of fatal crashes, 13 percent of crashes resulting in severe injury and 6 percent of all crashes, involve a drowsy driver, according to a 2014 study by the AAA. Results of a November 2013 AAA survey showed that 28.3 percent of licensed drivers age 16 or older said that in the past 30 days they had driven when they were so tired that they had a hard time keeping their eyes open.
    • Distracted Driving: The National Highway Traffic Safety Administration (NHTSA) gauges distracted driving by collecting data on “distraction-affected crashes,” which focuses on distractions that are most likely to affect crash involvement such as dialing a cellphone or texting and being distracted by another person or an outside event. In 2013, 3,154 people were killed in distraction-affected crashes, and 424,000 people were injured. There were 2,910 distraction-affected fatal crashes, accounting for 10 percent of all fatal crashes in the nation, 18 percent of injury crashes and 16 percent of all motor vehicle crashes in 2013 (NHTSA ).
    • Cell Phone Use: In April 2014, NHTSA released the results of the latest National Occupant Protection Use Survey (NOPUS), which found that in 2012, 1.5 percent of drivers were text-messaging or visibly manipulating hand-held devices, up from 1.3 percent in 2011. NHTSA says that the 2012 increase was not statistically significant. Driver use of hand-held cellphones was 5 percent in 2012 for the fourth year running. Hand-held cellphone use was highest among 16- to 24-year olds (6 percent in 2012) and lowest among drivers 70 and older (1 percent in 2012).

      • A State Farm study released in late 2012 found that among drivers age 18 to 29, almost half (48 percent) accessed the Internet on a cell phone while driving. One-third of those drivers (36 percent) read social media networks while driving. Almost half of those drivers (43 percent) checked their email while driving. Other age groups engaged in these activities less frequently.
    • In 2013, 32,719 people died in motor vehicle crashes, down 3.1 percent from 33,782 in 2012, according to the National Highway Traffic Safety Administration.
    • 605 people were killed in crashes on Colorado roads in 2015; an increase of 24% over 2014. (http://kdvr.com/2017/01/31/cdot-reports-sharp-increase-in-traffic-fatalities-in-2016/)
    • A motor vehicle death occurred on average every 16 minutes in 2013.
    • About 90 people died each day in motor vehicle crashes in 2013.

    Injuries

    • Injuries in motor vehicle crashes have been declining over the past few years:

      • 2003: 2.89 million injuries
      • 2004: 2.79 million injuries
      • 2006: 2.54 million injuries
      • 2008: 2.35 million injuries
      • 2009: 2.22 million injuries
      • 2010: 2.24 million injuries
      • 2011: 2.21 million injuries
      • 2012: 2.36 million injuries
      • 2013: 2.31 million injuries
    • In 2013, 6,337 people were injured each day in motor vehicle crashes.
    • A motor vehicle injury occured on average every 14 seconds in 2013.

    How to Make Money with a Travel Blog or Website #budget

    #travel site
    #

    Start Your WordPress Blog

    How to Make Money with a Travel Blog or Website

    We all want to make money online. That s why we create blogs and read sites like this. I make money in travel. After porn, people spend the most money on travel online. It s a huge niche with a lot of high-ticket items. There s good money and lots of readers to be found in the online travel business, and that is why so many people get into the travel niche. There are literally millions of travel blogs out there, and there are a lot of travel sites out there as well. So how do you set your travel web site apart from the others and start making money with it? You have two choices and each has pros and cons.

    Create A Travel Blog

    The first way is to start a travel blog, and become a travel personality like Rolf Potts or Rick Steves. A blog revolves around you, your stories, photography, and personality. People follow you because they believe in what you do, and because you inspire them to do more. If you can relate to your readers fears and travel dreams, you can grow your site pretty quickly and get a lot readers. You become a travel resource and an expert.

    Yet this method requires a lot of work. You need to update your site constantly, use social media, and network with people in your field. You need to be outgoing, you need to have personality, and you need to be your own brand. You have to put yourself out there all the time and connect with your audience. There are a lot of good travel personalities out there, such as:

    How do you get traffic?

    Getting social media traffic is old news to us all. We all know the importance of Facebook and Twitter. We know we need to tweet and have a Facebook fan page to promote our content. But for travel, where can you go to make yourself known? What else can you do that is specific to travel? The best two places to meet travelers and network with PR firms are:

    • Travel Blog Exchange This is the premier travel networking site. Anyone with a blog as well as PR firms and companies have a profile and interact here. It s a great place to network and they run a yearly conference where you can meet other travelers.
    • Travel Bloggers Group in Facebook A Facebook group where people share links, help, and advice.

    How do you make money this way?

    • Speaking Gig s As you become an expert in your field, you can earn money through speaking gigs. These gigs usually include free trips, which is better than paying for your own trips.
    • Ebooks A lot of travel blogs make ebooks as a way of making money. I have four, Almost Fearless has a couple, as does Indie Travel Podcast, and the Art of Non-Conformity. Ebooks are a good source of income as readers view you as a trusted source and are more likely to buy these when you publish them.
    • Affiliate Ads Selling products is a good way to make money as we all know and I don t think I need to get into this much.
    • Advertising Though there are not a lot of private ads outside of text links in travel, companies are becoming clued in to the power of travel bloggers and you find more willing to buy ad space on your site. Well-established blogs have no problem finding ads to help pay the bills.
    • Consulting After you have reached success, you can tell other people how you did it. I know quite a few bloggers that consult, not only in travel but in other niches too.

    Create a Destination Website

    The second way to make money in travel is to create a destination based website. Instead of working social media and being a personality, you pick a spot in the world and become THE expert on it. Some good examples are Travelfish. All About Cabo. and Best Tropical Islands. These sites are static pages that only need to be updated to keep the information current.

    There are a lot of pros to creating a destination website, especially if you don t want to put your life out there. You can set your site and forget it, you don t have to be a personality, you can stay quiet, and overall it is less work to maintain. Once it is built, it s built. Plus people are more likely to buy products from destination websites because they are generally able to find exactly what they re looking for.

    On the other hand, you have to be targeted on your focus and growth is limited once you get to the top of the search engines. After you rank #1 for all your keywords, you are done. You may not grow a lot in terms of traffic, but at least you don t have to continue to do work unless you want to add new content.

    If you choose this option, you ll spend most of your time on SEO and building links. Destination sites don t lend themselves to a big community. After all, not many people want to read about London everyday. But you can become the leading resource on the net and that will still bring in an audience and gigs. A great example of this is Newyorkology .

    How do you make money this way?

    • Affiliate ads Google traffic is the best traffic to monetize. People visiting your site will most likely buy something.
    • Adsense Adsense offers the same benefits as affiliate ads, except that you have to get your readers to click on links. My website, How to Travel the World, brings in a lot of adsense money, and it doesn t even rank high for many keywords.
    • Guides Many destination websites sell their own guidebooks, podcasts, and apps. This is a very lucrative field because people can t take their laptop with them. Creating portable guides are something you can sell to people. Travelfish s apps are a good example of that.
    • Private Advertising As a premier destination website, you can go to hotels, bars and restaurants for advertising. Once you prove you are number one, they will probably advertise with you. All About Cabo is a good example of a site that does well with private advertising.

    Are there other ways?

    Unless you suddenly want to start a magazine, guidebook company, or get serious venture capital, this is it. Every person I have encountered in the online travel business makes money using either option 1 or option 2. You can try to create something different, but without a lot of resources or time, you will probably fail. These two options offer the best rewards for the least amount of money and time.

    Making money in travel is not difficult. A lot of people, including many travel bloggers, get dismayed because they don t strike it rich right away. They expect their blog to take off right away or their destination based site to rank #1 on Google in two months. You have to put in more work and effort, especially with companies with deep pockets, because there is so much competition in travel. The websites I ve listed show can make good money with a travel website. You just have to stick around long enough. Most people don t but if you do, you ll make bank.

    This post was guest blogged by Matthew Kepnes of Normadic Matt s Travel Site .

    40 thoughts on How to Make Money with a Travel Blog or Website





    05/08/2017

    Posted In: NEWS

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    Can a Travel Agent Actually Save You Money? #flight #cheap

    #cheap travel agents
    #

    Can a Travel Agent Actually Save You Money?

    Posted on Apr 30, 2012

    Are travel agents back?

    This question, posed by The New York Times. got us thinking. According to the piece, nearly one in three leisure travel agencies is hiring, and in 2011 travel agencies experienced a second consecutive year of growth; in fact, their bookings accounted for a third of the $284 billion U.S. travel market.

    Silly us, we thought travel agents had become passé.

    But if the travel agent business is thriving, we started wondering—is there something to this? Could using an old-school travel agent actually save us money on travel?

    To find out, we consulted Barbara Vong, a travel agent with Wright Travel Agency. the 2011 winner of the Best of the Best Globe Award from Travel Impressions .

    The first thing we learned? Travel agents usually don t charge customers for their services! Their payment actually comes through the hotels and wholesalers, meaning that we can simply tap into a free service. That also means using a travel agent should never be more  expensive than booking by yourself online and these are experts well-versed in where to find the best deals.

    Of course, booking your flights in 30 seconds with a few clicks sounds a lot easier than playing phone tag with a live person, so it pays to know when a travel agent can help the most, and when you might as well DIY it. Vong let us in on the best times to call an agent, and some money-saving travel tips she s picked up in her line of work:

    Want More?

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    Use a Travel Agent If

    You re Traveling With a Group

    For group bookings that involve coordinating travel for multiple people, it s usually easier to use a travel agent, says Vong. I just had a bride call me because one of the groomsmen booked his own trip through a discount travel site, and he wanted to add someone to the room, says Vong. The customer service representative from the travel site he used told him they couldn t do it, but they were probably just being lazy. This is a great example of when you d rather hand the responsibility of changing that booking to a travel agent, rather than trying to fix it on your own.

    You re Not Sure Where You Want to Go

    You re Traveling Internationally

    If you re planning to travel somewhere out of the country, and you ve never been there before, it might be a good idea to go through a travel agent. When you use an agent to book international travel, you ll be able to ask a million questions, says Vong, and your agent will be sure to gather all the information you ll need to make sure you re traveling safely.

    You Don t Need a Travel Agent If

    You re Only Booking a Flight

    Let s say you re visiting a friend in Arizona and all you need is the flight out there. With all of the discount flight sites available, it s usually easier, and generally about the same price, to just book it yourself. (Check out our rundown of popular travel sites to see which one might work best for you.)

    You Want to Use Your Miles

    Travel agents aren t able to use your points or rewards card miles to book a flight or hotel for you—you ll have to book on your own if you d like to use them. You also aren t able to use points or miles to buy flights on sites like Expedia or Orbitz, either, only directly through the site of the company who is giving the points or miles, says Vong.

    You Find a Fantastic Deal on a Deal Site

    Go ahead and book a travel deal that you find on a site like LivingSocial. Groupon or Travelzoo. Just remember that you ll need to be flexible with the travel dates (most deals are offered for off-peak times, like travel on a weekday only, or for a Sunday night at a hotel), and be wary of expiration dates.

    Some Travel Tips to Help Save Money

    In her years as a travel agent, Vong has discovered a few things that help her save money on her own travel. Here are a few of her favorites:

    1. Fly at the Right Time

    If you can, avoid flying out on a Thursday or Friday, or flying back on a Sunday, when Vong says flights tend to be the most expensive. It s hard to say exactly how much a traveler could save, as it depends on the specific flight and how much space is available on it, but you could find yourself saving up to $50 or more for longer flights, says Vong.

    2. Factor in Your Transfer

    Set up transportation from the airport to your hotel through a shuttle or van service online prior to arriving at your destination. Local taxis in some countries have been known to charge more to foreigners traveling to and from airports. If you re working with a travel agent, she should always be able to book transportation for you from the airport. If you re booking on your own, try calling your airline for suggestions, or searching on the tourism website for the place where you re going (most major tourist cities have a tourism website.) If you re booking a tour on your vacation, most tour operators also offer transfers with the purchase of certain products, says Vong.

    3. Try the Go City Card

    The Go City Card is available in nine U.S. cities (including Boston, Chicago, New York, Orlando and more), and it allows you to pick and choose which sightseeing you want to do and to buy those activities as a bundle, which will be much cheaper than buying them individually.

    4. Use Your Email

    If you re traveling within the U.S. sign yourself up for emails from deal sites like Groupon  or LivingSocial from the city you re traveling to for potential discounts. In other words, if you live in Chicago but are traveling to San Francisco, subscribe to the San Fran deal sites shortly before your trip— you can always unsubscribe later.

    5. Be Smart About Exchanging Currency

    If you ll be traveling to a country where you ll need a different currency, Vong suggests exchanging money at your hotel. They usually have the best rates, they don t charge a fee and you can put any extra money you don t need back in the safe deposit box in your room as soon as you get it, she says.

    LearnVest Planning Services is a registered investment adviser and subsidiary of LearnVest, Inc. that provides financial plans for its clients. Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation. Unless specifically identified as such, the people interviewed in this piece are neither clients, employees nor affiliates of LearnVest Planning Services, and the views expressed are their own. LearnVest Planning Services and any third parties listed in this message are separate and unaffiliated and are not responsible for each other’s products, services or policies.





    02/08/2017

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    Money Saving Tips For Buying Plane Tickets Online – CBS Denver

    #best price on airfare
    #

    Money Saving Tips For Buying Plane Tickets Online

    Photo Credit: Thinkstock

    Everyone who travels by airplane wants to get the best price possible. But is there really a best day of the week to buy tickets that s cheaper than other days? How far in advance should you make that purchase? By reading through these following money-saving tips, there is an excellent chance you’ll save money the next time you purchase plane tickets online.

    When To Buy Plane Tickets

    There’s been a lot of discussion amongst travel journalists and industry analysts over how far in advance a consumer should purchase a plane ticket. In previous years, the conventional wisdom was to book up to two months in advance, but no less than 25 days prior to the departure. However, by citing two separate studies conducted earlier this year by CheapAir and Expedia, recommendations are more precise than ever.After compiling data from 1.5 billion airfares spread across nearly five million trips, CheapAir concluded that the best time to book a domestic flight is 47 days in advance. For international flights, CheapAir’s findings were quite different, ranging from 96 days for Latin America to a whopping 318 days in advance for trips to Asia.

    While Expedia is poised to release a new set of figures very soon, the most recent data compiled in a joint effort with Airlines Reporting Corporation came up with different conclusions, though not dramatically so. Expedia’s findings suggest consumers should purchase their domestic airline tickets 57 days in advance and 171 days in advance for international flights.

    The exceptions to both CheapAir s and Expedia’s conclusions are during peak times of the year for air travel, such as during the holidays, spring break and the summer months. With those exceptions, tickets should be purchased further in advance. For instance, consumers should purchase plane tickets for holiday travel in late September to early October, while better prices for spring break air travel can be found during the holidays.

    Airport Terminal (credit: Randy Yagi)

    What Day To Buy Plane Tickets

    As with the question of how far in advance tickets should be purchased, travel experts offer differing opinions on the best day to make that purchase. However, the long-standing consensus appears to revolve around just two days — Tuesday and Wednesday. Some will insist the best day and time to purchase airfare is on Tuesdays at 3 p.m. E.S.T. while others will say it’s precisely at midnight on Tuesday mornings. Expedia’s most recent findings suggest Tuesday is still the best day to purchase airfare, with Wednesday and Thursday following closely behind. However, AirfareWatchdog says it’s impossible to predict exactly what day is best to purchase plane tickets.

    So should consumers still expect the to find the best airfare deals on Tuesdays, the day after airlines traditionally announce new fares? Conventional wisdom says yes, but with a caveat to utilize all of the other tips offered here.

    If this all seems too confusing, consumers can still increase their chances of getting a great deal on airfare by signing up for one or more airfare price alerts. Found on several online travel sites, a price alert is a tool that allows consumers to keep track of flights for price changes. When a desirable price is available, a price alert in the form of an email or text message is sent to the consumer, who can purchase airfare at a better rate than previously advertised. There is no general consensus which site has the best price alert system, but among the leading candidates are Airfarewatchdog. UK-based Skyscanner. Hopper. Farecompare  and Yapta. But the list of reliable sites doesn’t end there, since major online travel sites like Expedia. Travelocity  and Priceline all feature price or fare alerts, in addition to some major airlines like Southwest and American Airlines .

    It’s difficult to look forward to a redeye flight, but when taken into consideration of the cost savings, it may well be worth the sacrifice. But purchasing an overnight flight is just one way to save money. In fact, lower cost fares may also be found by booking an early morning flight, as Farecompare suggests, around dinner time. Additionally, there’s a widespread agreement amongst travel professionals and industry analysts that the cheapest days to fly are on Tuesdays and Wednesdays. It’s possible to find bargains on Thursdays and Saturdays, but the most expensive days to fly are typically Fridays and Saturdays.

    Hipmunk (credit: Randy Yagi)





    30/07/2017

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    Money Saving Travel Tips #price #of #airline #tickets

    #airline travel deals
    #

    Money Saving Travel Tips

    TODAY S TOP HOTEL TRAVEL DEALS

    Save up to 70% on Travel with Wal-Travel.com/ Travel Deals Finder.

    Tested Hotel Travel Tips that ll Save You Money!

    With over 100+ years of Travel Experience, find out how the travel experts share their most interesting travel tips to help you save time and money.

    How to Pay the Lowest Hotel Prices PERIOD:

    Paying the proper Hotel Price goes a long way toward making your hotel stay a good experience. Like air plane seats, there are several prices for the same hotel room .

    Associations such as AAA and AARP, as BookingWiz have mentioned in the past, can afford some savings, but there are many other ways to save on Hotel Rooms .

    Most travelers are unaware of Advanced Purchase Savings. Many of the top Hotel Chains allow individual properties to post advanced purchase rates for rooms. Generally, these hotel rates are not chain wide so you really have to look at all the offerings to find them. The trick is to remember that the key word is PURCHASE. If you are not 100% firm in your plans, these prepaid plans are NOT for you since you pay in full when you book these non-refundable hotel rates.

    The next best hotel rates are commonly called Internet Rates. Usually these can be cancelled but pay attention to the cancel by date which may be one or two days prior to arrival as opposed to the cancel by 6 PM day of arrival that you see with most rates.

    Compare All Air Ticket Prices with FlightsMobile.com!

    Looking for Affordable Hotels in Big Cities Throughout the USA?





    22/07/2017

    Posted In: NEWS

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    10 Tax Write-Offs You Aren – t Using to Your Advantage


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    Mashable

    10 Tax Write-Offs You Aren t Using to Your Advantage

    You already know that you’re legally obligated to pay your taxes, but that doesn’t mean you should pay more than you owe.

    Each year, American taxpayers leave money on the table by missing some key deductions. Run through these commonly overlooked write-offs to see if there are any you should be taking. It might just mean more money in your pocket this year.

    1. Education

    When it comes to education, you may be able to deduct up to $4,000 for tuition-related expenses for you, your spouse or a dependent. You also may be able to deduct up to $2,500 in interest paid on a student loan in 2013.

    In addition to these deductions (which lower your overall taxable income), there are also two relevant credits that could save you thousands: the American Opportunity Tax Credit and Lifetime Learning Credit. IRS Pub 970 covers all the details.

    2. The Job Hunt

    If you were looking for a job in 2013, you may be able to deduct your job-search expenses — and that’s true whether or not you actually found a new job. Expenses can include employment agency fees, costs for printing and mailing resumes, advertising, and travel expenses for interviews.

    But the caveats include:

    Your job search must be for a position in the same line of work

    You can’t deduct expenses if it’s your first job

    These expenses are part of your “miscellaneous deductions,” which need to exceed 2% of your adjusted gross income to qualify

    Refer to IRS Pub 529 for more details on all of this.

    3. Home Ownership

    If you bought or owned a home in 2013, you’re probably already aware that you can include your mortgage interest in your itemized deductions. But there are other tax deductions related to home ownership that can add up as well.

    You can deduct what you pay in property taxes, interest paid on a home equity loan, any points you paid when you bought your home, premiums paid for Private Mortgage Insurance, and potentially any home improvements made for medical care.

    4. Health Costs

    Did you have a lot of medical and dental expenses last year? If your medical expenses exceeded 10% of your adjusted gross income for 2013, you can claim a deduction with your itemized deductions. Potential deductible expenses include preventative care, surgeries, doctor’s visits, fertility treatments, psychologist and psychiatrist visits, prescription medication, glasses, contact lenses and even the cost of travel for medical care.

    Generally speaking, you cannot deduct non-prescription drugs, your health club dues or anything that was reimbursed by insurance. You also cannot include your health insurance premiums (although self-employed people can deduct their health insurance costs separately). IRS Publication 502 gives the details on itemizing medical expenses.

    5. Charitable Donations

    If you’re itemizing your deductions on Schedule A, any charitable donations can help lower your tax bill. This includes any cash donations you made throughout 2013 — don’t forget any text message donations (note: Your cell phone bill is a sufficient record as long as it shows who you sent money to, when and for how much).

    If you cleaned out your closet and donated items (clothes, furniture, etc.) to Goodwill or another charity, you can deduct the value of these items. Get a receipt in case you’re audited. In addition, if you volunteer for a qualified organization, you can’t deduct the value of your time, but you can deduct travel expenses for getting there (14 cents per mile). Refer to IRS Pub 526 for more details on what can and can’t be deducted.

    6. Moving for Your Job

    If you landed a new job and moved in 2013, congratulations — your moving expenses may be deductible. And the good news is that you can take this write-off even if you don’t itemize your deductions. Check out IRS Pub 521 to see if you qualify.

    In general, your new job location must be at least 50 miles away from your home (or 50 miles farther from your old home than your previous job was from your old home).

    7. Energy Efficiency Upgrades

    If you made your home more energy efficient last year, you may qualify for a tax credit. For example, you may be able to claim a credit of 10% of the cost for qualified energy efficient insulation, windows, doors and roof for your home, as well as 30% of the cost for installing alternative energy equipment in your home (such as solar hot water heaters or wind turbines).

    These credits are both claimed on IRS Form 5695. In addition, for 2013, the purchase of plug-in hybrid-electric and electric vehicles may qualify for a tax credit.

    8. Self-Employment Expenses

    If you’re self-employed (whether it’s your full-time job or a part-time gig ), you’ve got a grab bag of deductions to pull from. You can deduct expenses from your home office (including pro-rated rent/mortgage, energy bill and insurance for that part of the house).

    Don’t forget whichever conferences you attended in 2013, or the books, subscriptions, technology and office supplies you purchased to keep your business going. In addition, you can deduct your health insurance, as well as 50% of your self-employment tax. Visit the IRS’ self-employed tax center to learn more.

    9. Children

    If you welcomed a new baby in 2013, you are eligible for new tax deductions -– including another exemption (which represents a $3,900 deduction for 2013). Parents that meet certain income requirements can qualify for the Earned Income Tax Credit as well as the Child Tax Credit. You may also be able to claim the Child Care Tax Credit for qualified child care costs for any care provided so you could work or look for work.

    10. Parents as Dependents

    Most people know to claim children as dependents, but fewer are aware that if they cared for an elderly parent, that parent may qualify as a dependent. The same applies to other relatives such as uncles, aunts, grandparents, nieces, nephews, etc. (note that certain relatives do not have to live with you to be considered a dependent).

    To claim a dependent on your tax return, you have to meet certain criteria, including that the dependent’s income can’t exceed $3,900 for 2013 and you need to have provided at least half the support for that person. Check out IRS Pub 501 for more details.

    Keep in mind that this is all general information to put these valuable deductions on your radar. You’ll still need to research the relevant IRS documents or check with your tax advisor to make sure you qualify for a particular credit or deduction.


    21/07/2017

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    The Best Rental Car Deals for Road Trips: Money Smart Life

    #best deals on rental cars
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    The Best Rental Car Deals for Road Trips

    August 3, 2011

    Rental car deals are in high demand with many travelers expecting higher air fare costs this summer. Some of those travelers will forge on, willing to pay the higher price to get to their dream destination. But with many Americans still unemployed or just recently having found new employment the high price of flying may cause them to consider vacations closer to home and send them in search of rental car discounts.

    Taking a regional road trip in a rental car doesn t have to break the bank, especially when compared with flying across the country. Instead of increasing your maintenance costs or worrying if your car can survive a road trip, you borrow the rental agency s car for a known cost and call it a day. If the car has maintenance problems that weren t caused by an accident, it s not your problem. They ll swap you out into a new car and get you going.

    Tips for Saving on Rental Cars

    Renting a car can also get pretty expensive, but not if you know how to look for the best deals. Use the following tips to maximize your savings on rental cars. I worked in the rental industry for about a year and this is how I would go about getting the best deal.

    Finding the Best Deal

    There is no one best way to find the best deal on rental cars, but knowledge is power. Things you need to know:

    What s the business model? Rental car agencies go after different types of business. Some focus on repair work while your car is in the shop. Others focus on business travelers and only have airport locations. Knowing the company s business model will help you determine their down times. You can get a better deal during slow periods when they have a lot of extra cars on hand.

    • For example, Enterprise has thousands of locations across the country. They focus on being in your neighborhood and deal with a lot of insurance and car repair rentals. That means their cars are in high demand Monday through Friday. On Friday the body shops finish up, and the agency has extra inventory over the weekend. You can get amazing deals on the weekend. More on this in a moment.

    What s in demand? During the summer months the most in demand vehicles are SUVs and minivans. This is especially true around holidays like Memorial Day or the 4th of July. You ll need to book well in advance or risk missing out.

    Know the car sizes. Check out the company s website and be familiar with their car classes. Booking a smaller vehicle will save you money, but don t be surprised if it is really small.

    Check Online Specials First

    The internet is one of the best places to find widely advertised deals on rental cars. Check all of the popular agency s websites first. You know these deals are legitimate because it is coming straight from the source. Follow that up with a check of large travel aggregation websites like Kayak. They ll be able to spot some of the secret or less advertised deals that you can t find without a lot of extra work.

    For example, say Enterprise has their $9.99 weekend special going. You can pay as little as $10 per day for three days, and get 300 total miles to use on your rental for a compact size car. That s a 60% discount off the regular rental price of $24.99 in my area. A full size car can be had for $19.99 per day that s 43% off the regular price of $34.99.

    Budget has a similar deal. They offer $5 off for every weekend day you have a rental. A 3 day rental (Friday to Monday) would have $15 knocked off the final price. How can they afford to do this? Again, they have a lot of inventory on the weekends. Having vehicles on the road for as little as $30 in revenue is better than having the cars sit on the lot for $0 in revenue.

    One way to make the deal even sweeter is to use a rental car credit card that offers rewards or discounts when you reserve your car online. Just be aware that not all deals can be combined so you might not be able to use the credit card discount along with an advertised special.

    Pick Up the Phone

    Pick up the phone and call your local branch. Have their website pulled up and know what discounts they are currently offering. Let them know of your plans, and have them walk you through the best deal they can offer. When they re done telling you the price, tell them that s not low enough or ask if there is anything they can do to get you to reserve the car today. They may be able to find a discount to put on your rental to drop the price down a bit. Talking to a live human being that works at your local branch gives you an advantage over computer systems.

    Book with Travel Partners

    You can also try booking with travel partners. If you re booking a hotel room you may be able to get a package deal with one of their preferred car rental agencies.

    Negotiate at the Counter

    You have negotiating leverage. Unlike hotel reservations, many rental agencies do not charge you for not showing up for your reservation. Once you are there they want to make sure you leave happy. You can book a lower class vehicle and try to negotiate your way into a larger vehicle at a discounted price.

    In fact, the representative behind the counter may try to do convince you first. Many companies will run up-sell competitions and rewards their reps for selling you from a smaller vehicle class into something bigger, even if it isn t at full price. They re getting more revenue for having your reservation out on the road. You can also try asking for discounts based on:

    • The rate your insurance company gets (which is much, much cheaper than retail). You likely won t get the full discount, but they may knock the price off a bit.
    • Memberships you have (AAA, AARP, etc.)
    • Your company s corporate discount

    Granted, this only works when the company has a lot of excess inventory sitting on the car lot. You won t find much negotiating room if you re renting their next to last car. If they don t rent to you they ll find another customer to put into that car.

    Consider Gas Mileage

    With gas nearing or over $4 per gallon in many parts of the country, be sure to check on gas mileage first. Taking 4 friends on a road trip to the beach? Riding in style in a massive SUV may seem great, but you ll be guzzling gas the whole way (along with paying higher rental costs in the first place). Those 4 people would easily fit into a standard or full size car, saving you money on gas and rental charges.

    Document the Car s Condition

    Make sure you document the car s condition very well. Renting cars happens very fast. There is important paperwork you sign, including an agreed upon condition of the car. If you don t mark any of the current damage (knicks, dings, dents) on the contract you may be held liable for them when you return the vehicle. Read the fine print on the rental car insurance and make sure you understand what s covered and what s not. In this technology covered age I would recommend taking photos or a video of the walk around on the car on your smartphone or camera. It will help defuse any situations that pop up when you return the car.

    Last updated by Kevin .





    14/07/2017

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    Backgammon Online #backgammon, #backgammon #rule, #play #backgammon, #backgammon #game, #online #backgammon,


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    12/07/2017

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    8 Money Myths #how #to #find #the #cheapest #flights

    #cheap flights with car rental
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    8 Money Myths

    8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I ve learned that I was not alone. There are many people who shared this same myth.

    Much like our views about many things — people, relationships, food, and health to name a few — our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they re usually subconscious, the cycles are continuous — until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I ve discovered that there are a few that predominate.

    Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind A penny saved is a penny earned, Don t dip into savings, or We can t afford it — then you have this perspective and rainy days loom ominously. Money doesn t grow on trees. These threats create a fearful relationship with money.

    Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.

    Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward — low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.

    Money is not for me. Some people feel that they don t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it s your duty to do this. Better them than me. Such adages create a defeated relationship to money.

    Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is Wealth Diva: A Man Is Not a Plan. This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.

    Money is good medicine. For some people, retail therapy goes a long way; there s no difficulty a new blouse can t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.

    Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.

    Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn t be discussed and certainly shouldn t be taught. Few of us asked our parents how much money they made, and even now, there are people who don t know their spouse s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.

    In each of these examples, it s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you ve discovered that you hold any of the above examples as beliefs, you will

    1. Change money is scarce to money is abundant and support a courageous relationship to money.

    2. Change money is evil, dirty, or bad to money is good and acceptable and create a hands-on relationship to money.

    3. Change money comes monthly to money comes from a range of sources and create an opportunistic relationship to money.

    4. Change money is not for me to who better than me for money to come to and create an empowered relationship to money.

    5. Change money is a man thing to I can and will know about and understand money, and create a thoughtful relationship to money.

    6. Change money is good medicine to money is a tool to help make my life better and create a respectful and concerned relationship to money.

    7. Change money is a menace to money is a solution and create a positive relationship to money.

    8. Change money talk is taboo to money talk is vital and create a knowledgeable relationship to money.

    You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you re well on your way. You ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.

    Copyright 2006 Loral Langmeier from the book The Millionaire Maker McGraw-Hill; December 2005;$24.95US/$00.00CAN; 0071466150

    Loral Langemeier is a master coach, financial strategist, and team-made multimillionaire who reaches thousands of individuals each year. She is the founder of Live Out Loud, a coaching and seminar company that teaches her trademarked program Wealth Cycles.





    09/07/2017

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