No slide name set – Best travel site rewards programs #travel

#discount travel sites
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Best travel site rewards programs

As frequent flier programs fall further out of favor, rewards programs from travel websites like Expedia, Orbitz and Priceline have stepped in to pick up the slack.

The travel sites make it much easier to redeem points for actual benefits than the airlines do. And, in most cases, there are no blackout dates and you don’t have to accumulate tens of thousands of points or wait to redeem them.

“The programs target once or twice a year travelers who already use and like the websites and who want to get some return on their spending,” said Brian Kelly, who runs The Points Guy. a site that reviews dozens of programs.

But travelers need to be careful: Most rewards programs are tied to credit cards, some of which carry annual percentage rates of as high as 25%. That means it’s important to pay off the balance each month, or else it defeats the purpose of “earning” all of those points.

And make sure you read the fine print: Find out when your points expire and what you can actually use them for before you sign up.

Here are some of the top travel rewards programs and what you need to know about them.

July 14 2014 03:47 PM ET





06/12/2017

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No. 1 Traveller #travel #agents #ireland

#no 1 travel
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New celebration package

More details on No.1 Traveller Lounges

Plus you can also enjoy complimentary Premium Security Lane access at Gatwick, Edinburgh and Birmingham, to skip the queues.

Booking in to a No.1 lounge is a great way to unwind before your flight, with a fantastic all-inclusive offering. Settle in to comfy sofas with the latest magazines and newspapers, or make use of unlimited WiFi. Help yourself to a delicious selection of cold food from the Pantry Table, or enjoy a hearty hot dish from the bistro-style menu. The fully tended bar also offers a range of beers, wines and spirits. Named an official CoolBrand for the second year running.

At their larger lounges guests can enjoy the use of a Travel Spa* (offering manicures, pedicures, waxing, massages and showers), cinema, games room and family rooms. So why not treat yourself before you fly!

Flying from Gatwick North Terminal? If you’d rather visit My Lounge – the new lounge concept from No.1 Traveller – then you can earn miles there too! My lounge is an airy loft inspired airport space designed for someone with a laid back approach to traveller. It’s got a kitchen counter full of breakfast or daytime snacks to graze on and you can help yourself to a tea, coffee, juice or soft drink. If you fancy something alcoholic you can pour yourself a draft beer, crisp glass of wine or help yourself to spirits and mixers. The lounge offers unlimited WiFi, daily newspapers and lifestyle magazines. Premium Security Lane access is also included.

No.1’s VIP service is designed to help you get through the airport quickly and efficiently. An agent will meet you on arrival to the airport where you will be able to jump the queues at check in, bag drop and security before being escorted to the lounge. If you’ve not booked No.1’s lounge that’s not a problem – you can book this independently.





05/11/2017

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Free Christian Chat room – for religious chat, christian chat, christian


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Christian chat room no registrationFree Christian Chat

Christian chat room no registration

Christian Chat Room of the week:JROI

Welcome to a free christian chat

Here you can experience many free christian chat rooms and free religious chat rooms on a variety of servers and communities. You can christian chat with many people from all over the world, internationally. The chat rooms are populated mainly by people in Australia, The United Kingdom, Canada and The United States, but all countries and nationalities are more than welcome to chat.

In this free christian chat you can discuss many topics, such as: religious chat, bible chat, jesus chat, singles chat, and generally any christian chat you wish. Here we try to run one of the best free christian chat rooms and religious chat room on the internet. Our staff are dedicated to giving you an amazing christian chatting experience.

In future there are also rooms for christian singles chats and christian singles dating. christian singles are a group of people that are often overlooked, so here we try to provide opportunities for christians who are single (christian singles) to get to know eachother in a normal and respectful way. If you are a christian single and like many christian singles are curious about the concept of christian dating, then you might want to check out our christian dating/christian singles information page that contains resources and information on this process from a biblical perspective.

Christian Chats is a set of online christian communities, christian rooms and religious chat rooms allowing Christians around the world to fellowship and chat with each other in real time chat via text. It is also a place for the irreligious and religious of all kinds, to interact with Christians in order to understand and discuss the various Christian world views. In future you may also start or participate in a posted discussion in some Christian forums

This service is free in the sense that there is no requirement for registration or payment. While we welcome you to this free christian chat room, this welcome may be subject to removal and you may be lovingly expelled depending on your actions in relation to our two chat rules. Our two chat rules are seen in Verse:Matthew 22:36-40. Note: If you are not a Christian, then we can not hold you to this first rule or commandment, however we will lovingly expel you if you are disrespectful or mocking to either God or his children.


03/11/2017

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No win-no fee employment solicitors – Landau Law #no #win #no


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No win- no fee

Landau Law is a leading employment law firm acting for employees and senior executives throughout the UK- with very high success rates. Please feel free to use the contact form or call us on 020 7100 5256

No win- no fee

As specialist UK employment law solicitors acting only for employees and senior executives, we are always willing to consider taking a case on a no win no fee basis if this is your preference. In doing so, we appreciate that this is often an attractive option at a time when financial security is uncertain.

Many employment lawyers don t like working on no win no fee basis because the risks are too high. Whilst risk is clearly an important factor, we have acted solely for employees and senior executives for many years in over 15,000 cases- with very high success rates. We are therefore well placed to judge those risks. Our experience and successful outcomes, in turn, gives us the confidence to operate with a no win- no fee form of funding.

How it works is simple. If the case is not settled, you do not pay us. Your fees are therefore dependent on us negotiating a settlement that you are happy with, or if the case needs to go to a tribunal, any amount that is awarded. It is expressed as a percentage of actual sums recovered from your employer. Where there is an existing offer of settlement, only the additional amount we have negotiated or recovered at tribunal will form part of the no win no fee arrangement.

The primary aim is to try and reach a settlement without the issue of tribunal proceedings . which is the overriding preference of employees and employers too.

Not every case can be accepted on a no win no fee basis, but we will do our best to do so if this is your preferred costs option, wherever you are in the UK. Our reputation as specialist employment law solicitors covers all industry sectors .

We are truly a national employment law firm, and our client’s range from City employees and executives in banks and “blue-chip”companies, to those working in smaller and medium sized businesses (or public authorities) in most job sectors throughout the UK.

We are also regularly called upon as experts on UK employment law in the media. This includes the BBC, The Guardian, Sky News, LBC News Radio, ITN, Radio London, Talk Radio, Radio 5 Live, the Wall Street Journal and The Independent.

We are happy to give you a free initial assessment of your case*. Please contact us on 020 7100 5256 or email us .


03/11/2017

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Free Junk Car Towing in Falls Church, Fairfax, Manassas Virginia #free


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Cash Junk Car Virginia .com
Call Now: 1-703-825-3457, 571-377-0156

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13/10/2017

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Anonymous file sharing sites – Software 2017 – No registration required


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Anonymous file sharing sites Software 2017 No registration required.

Anonymous File Sharing We all shares dozens of files daily, and there are many medium available. And the easiest way that we all use to share files is Gmail. Although there are some Best Gmail Alternatives available still email is not the best way to share files. Many tech blogs prefer to use the Best Anonymous Browser while sharing files via Gmail.

Although, there are some cloud file sharing services like One-drive, Google Drive, and Dropbox. But before start using them you need to register on these sites. But if you want to keep your personal info private then Anonymous file sharing sites comes in handy.

What is Anonymous File Sharing?

In Anonymous File Sharing we don t need to share our any personal information to send File even so name. We can just upload the file and we ll get a file sharing link. And when user complete download files using that link, the file will get auto delete from Anonymous File Sharing site server.

If you re like me who don t have much time for registration and sign-in on sites to share files. And looking for Best anonymous file sharing sites then check this list of Best anonymous File sharing sites.

Best Anonymous File Sharing Sites No Registration Required.

File.io

File.io is Best Anonymous File Sharing site, they don t use any kind of backup to save file. And all files that they keep temporary are secure with encryption. Also, their log files contain no identifying information. Which means they don t keep anyone s personal information.

How to share file anonymously using File.io?

Sharing files using file.io is easy, all you need File and a Browser. Open- File.io into your Web Browser now click on upload and then select file from your File Manager / My Computer.

Whenever uploading process will complete you ll get a unique link. That you can share with anyone and your personal details will be safe.

You can send maximum 5GB Per File, which is completely Free. Also, you can set an expiration date for the file. For example at the end of the link add ?expires=1w and file will auto delete from server after 1w = 7 days.

Filetea.me

Filetea.me is the simplest tool for anonymous file sharing. Like File.io it also doesn t hold any users personal information. The interface of Fill tea is very basic and simple, the site doesn t provide any information. You ll get an Add File option which will allow you to upload the file, and like File.io you ll get link after upload.

One thing you might don t like about Fill tea is when you share the link to someone. That link will redirect to Filetea.me site and then you ll get download option. You can also able to download process in transfer section and you can delete the file manually when transfer process will complete.

GoFile.io

If you re searching for a Best Anonymous File Sharing site. That provides No storage limit or bandwidth then GoFile .io comes in handy. It is completely Free and provides encryption to Files that you ll upload. It allows you to share maximum 10GB per File, which is just double of File.io limit.

Like File.io you can also set an expiry date in GoFile and you don t need to do it manually. You ll get an option to set the expiry date of File which is the good thing. This site is still in beta stage so you may find some bugs, I prefer File.io over this.

DropFile.to

DropFile.to is simple to service for anonymous sharing of files that need to be placed online only temporarily. It allows to upload up to 5 files at a time and Maximum supported file size is 1 GB. There are no download limits your files can be downloaded simultaneously by an unlimited number of people with maximum speed.

But something that you might not like about is it doesn t provide any kind encryption. But if you want encryption for your file you can encrypt before upload it on DropFile. You can also manage your uploaded files using access key that you ll get after upload.

UploadFile.io

Upload files.io is a completely free file sharing service, upload files without limits, securely anonymously. It allows sending maximum 5GB per File which is more than enough. It is Free and premium version available on this site, in free they hold file up to 30 days.

Also on uploadFile, Files are encrypted and transferred securely from your browser to their server. When file upload will get completed you ll get the option to set time of File deletion. You can choose between 1 hour to 30 days, never option also available in the premium version.

AnonFiles.

AnonFiles is a simple tool that allows us to share upto 1GB per File. And this is similar to other sites. But it also doesn t provide any encryption for Files that we upload. But for small File sharing, it is the Best Anonymous File Sharing Site.

OnionShare. Best Anonymous File Sharing Software.

OnionShare is an open source tool that lets you securely and anonymously shares a file of any size. It uses Tor to connect to an anonymous server that is completely safe. It s not available in Web version you need to download it on your computer and it s completely secure.

Ubuntu
If you are using Ubuntu, open a terminal and type:

Fedora
If you are using Fedora, install it from Software or open a terminal and type:


12/10/2017

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College Fee Waiver Program #online #college #no #application #fee


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College Fee Waiver Program

The College Tuition Fee Waiver for Veteran Dependents benefit waives mandatory system-wide tuition and fees at any State of California Community College, California State University, or University of California campus. This program does not cover the expense of books, parking or room and board. There are four plans under which dependents of veterans may be eligible.

  • The child of a veteran who is totally disabled due to service-connected disabilities or whose death was officially rated as service-connected is eligible. The child must be over 14 years old and under 27 years old to be eligible. If the child is a veteran, then the age limit is extended to age 30;
  • The spouse or Registered Domestic Partner (RDP) of a wartime veteran who has been rated as service-connected totally disabled is eligible. There are no age limit restrictions;
  • The unmarried surviving spouse or RDP of a wartime veteran whose death has been rated as service-connected is eligible. There are no age limit restrictions;
  • Any dependent of any veteran who has been declared missing in action, captured in the line of duty by hostile forces, or forcibly detained or interned in the line of duty by a foreign government or power is eligible.

The veteran must have served at least one day of active duty during a period of war as declared by the U.S. Congress, or during any time in which the veteran was awarded a campaign or expeditionary medal. Concurrent receipt of benefits under Plan A and VA Chapter 35 benefits is prohibited. To receive benefits under Plan A, a dependent must sign an election statement acknowledging this fact. There are no income restrictions under this plan. To be eligible, the event which caused basic entitlement to benefits (i.e. the date the veteran died of service-connected causes or the date the VA rated the veteran as totally disabled as a result of service-connected disabilities) must have occurred prior to the child s 21st birthday.

The child of a veteran who has a service-connected disability, or had a service-connected disability at the time of death, or died of service-related causes is eligible. The child s annual income, which includes the child s adjusted gross income, plus the value of support provided by a parent, may not exceed the annual income limit. The current academic year entitlement is based upon the previous calendar year s annual income. Under Plan B, wartime service is not required and there are no specific age requirements. Children are the only dependents eligible under this plan. There is no prohibition against receiving concurrent VA Chapter 35 benefits.

Any dependent of any member of the California National Guard, who in the line of duty while on active service to the state, was killed, died of a disability resulting from an event that occurred while in active service to the state, or is permanently disabled as a result of an event that occurred while in the service to the state is eligible. Surviving spouses or RDPs who have not remarried are also eligible.

Active service to the state, for the purpose of this benefit, means a member of the California National Guard activated pursuant to Section 146 of the Military and Veterans Code. A copy of those orders pursuant to Section 146, not Section 143, must be furnished to establish eligibility.

Medal of Honor recipients and children of Medal of Honor recipients under the age of 27 may qualify. Benefits under Plan D are limited to undergraduate studies only, and applicants are subject to both income and age restrictions. There is no prohibition against receiving concurrent VA Chapter 35 benefits.

Note: All applicants must meet California residency requirements.If eligibility criteria is met, use of the College Fee Waiver for Veterans Dependents may be applied to state-support programs in the CCC, CSU, and UC systems. Some academic programs at these institutions that are considered self-supported, commonly referred to as extension courses or extended education are not required to apply the College Fee Waiver because these courses, degrees, and certificates are neither funded by the state nor are they system-wide programs. Veterans dependents using this waiver should research their academic programs thoroughly before applying to the college or university.

You must be the dependent of an eligible disabled veteran with a service connected disability rating of 0% or higher. Some other qualifications are required under specific plans. You must include with you application proof of dependency (i.e. birth certificate, adoption records, marriage license), proof of service connected disability and proof of income. Proof of income is not required for dependents of 100% service-connected disabled veteran dependents.

You can find eligibility information and complete the application DVS 40 rev 4-17 or contact your local County Veterans Service Office .


02/10/2017

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Options to Respond #self #help, #california, #ca #divorce #forms, #divorce, #divorce


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Options to Respond

If you have been served with a summons and a petition, you are the respondent in a court case for divorce or legal separation.

When you are served, read the papers you have received carefully. The Petition (Form FL-100 ) tells you what the petitioner (your spouse or domestic partner) is asking for. The Summons (Family Law) (Form FL-110 ) gives you important information about your rights and the divorce or separation process. It contains some standard restraining orders limiting what you can do with your property, money, and other assets or debts. It also prohibits you or your spouse or partner from moving out of state with your children from your marriage or partnership, and from applying for a new or replacement passport for any of your children together, without the prior written consent of the other or a court order. READ this form carefully!!

Once you are served, you have several options:

  1. You can do nothing — which means that whatever your spouse or domestic partner is asking for in the Petition will probably be granted. The judge will base his or her decision about property, support, and custody and visitation (if you have children together) only on what your spouse or domestic partner has requested in the Petition.
  • This situation is called a “true default” because you are “defaulting” by not responding and are not involved at all.
  • In a “true default” you are giving up your right to participate in the case.
  • Click to learn more about default or uncontested cases .
  • You can do nothing because you have a written notarized agreement with your spouse or domestic partner where you both agree to end your marriage or domestic partnership. And you agree about other things like the division of your property and your debt, spousal or partner support, and, if you have children together, child support and custody and visitation orders.
    • In this case, you also “default” because you are not filing a response.
    • BUT you are having a say in the final outcome because you are reaching a written agreement with your spouse or domestic partner. So this is a “default with agreement” case.
    • Click to learn more about default or uncontested cases
  • You file a response with the court but also reach an agreement with your spouse or domestic partner about all the issues.
    • If you choose this option, it is considered an “uncontested” case because you and your spouse or domestic partner are not fighting over the issues. You are agreeing to the terms of your divorce or legal separation.
    • Click to learn more about default or uncontested cases
  • You file a response with the court in which you disagree with what your spouse or domestic partner is asking for.
    • This situation is considered a “contested” case since you and your spouse or domestic partner do not have an agreement and will need the court to make decisions in your case.
    • Click to find out what to do in a “contested” case .
  • If you decide to file a response, you have 30 days from the date you were served with the Summons and Petition to respond.

    Note: You may be able to get help paying for a lawyer in certain situations. To learn more, read Asking for Lawyer’s Fees and Costs in Family Law Cases .


    30/09/2017

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    0% Balance Transfer Credit Cards With No Fee – Best Deals


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    MoneySuperMarket.com

    Promoted Navigation

    Primary Navigation

    No-fee balance transfer

  • Rewards No rewards
  • Representative APR (variable) 18.9% APR
  • Your chance of approval

    Great for You can transfer a balance to this card with no fee for the first 90 days You may be eligible to apply for this card even if you’ve already got another Halifax credit card. Excludes Student Credit Card customers, conditions apply But be aware that You might get a different interest rate or promotional period to the one shown here, because this depends on your circumstances There’s no balance transfer fee for the first 90 days. After that it goes up to 3% You can’t transfer a balance from another card issued by Halifax

    Representative Example:

    If you spend 1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

    Balance transfer 0% for 28 months Then 18.95%

    Purchases 0% for 3 months Then 18.95%

  • Rewards Nectar
  • Representative APR (variable) 18.9% APR
  • Your chance of approval

    Great for Earn 2 Nectar points for every £1 you spend on Sainsbury’s shopping and fuel with this card. Earn 1 Nectar point per £5 elsewhere 5,000 bonus Nectar points – spend £250 in a Sainsbury’s store in the first month from account opening. Ends 28th August 2017 If your application is approved you are guaranteed to get the 0% interest period advertised But be aware that You might get a different interest rate to the one shown here, because this depends on your circumstances You’re not eligible if you’ve already got another Sainsbury’s credit card In the first 3 months a 1.5% balance transfer fee is charged and then fully refunded directly to your account within 60 days. 3% fee thereafter (min. £3)

    Representative Example:

    If you spend 1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

    Balance transfer 0% for 24 months Then 18.9%

    Purchases 0% for 6 months Then 18.9%

  • Rewards Entertainment
  • Representative APR (variable) 18.9% APR
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    Great for UBER OFFER: Use your Barclaycard to pay for your rides with Uber and every 11th ride is free, up to £15. T ?>

    23/09/2017

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  • No Exam Life Insurance #life #insurance #with #no #medical #exam,no #exam


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    Life Insurance With No Medical Exam

    Normally, if you’re applying for life insurance you are required to submit to a medical examination with regards to issues that may affect your insurance rates. For instance, you may be liable to pay more for life insurance if, during the medical exam, a doctor finds that you have a condition that indicates that you should be in a higher risk category.

    Heart problems, high cholesterol or a history of strokes are some examples of issues that might put you in a higher risk category. For many individuals seeking relief from constant worries about their health, no exam life insurance is the perfect choice.

    Who else might benefit from a no exam life insurance plan?

    • Those who need immediate coverage
    • Individuals suffering from health conditions, such as cancer
    • Senior citizens

    Pre-existing Conditions

    Many life insurance companies charge exorbitant fees if you have what they call a pre-existing condition which puts you in a higher risk bracket. Life insurance companies want to make more money off of you than you give them in the long term, so if they expect your death to be a drain on their company’s finances in the near future, they want you to have paid in as much as possible. Life insurance with no medical exams provides the perfect solution for individuals who would have to pay a huge amount of money for a traditional term or permanent life insurance plan. It may even be possible to get whole life insurance without a medical exam .

    Of course, you have to compare the monthly rates of each. Generally no exam life insurance is more expensive than the average life insurance plan and it offers the same services. However, it’s more of a one-size-fits-all insurance plan, making it a great choice for people who do have “pre-existing conditions” like a heart condition or who are significantly older. If this describes you, a traditional life insurance plan may ask for higher rates than a no exam insurance plan

    Enhanced Privacy With No Medical Exam Life Insurance

    Another benefit of purchasing life insurance with no medical exam is that you can keep your medical information private. Many of us feel a little bit leery that our private information is being viewed by some insurance executive or technician in a suit with nothing but dollars on the brain.

    We’d like to know that information about our bodies is kept between ourselves and trusted physicians and doctors. Additionally, no exam life insurance is great for people who don’t enjoy doctors’ offices, needles or exams. They’re simpler, they are processed much more quickly, and they leave your family with more money to help with funeral expenses.

    2017 www.lifeinsurancerates.com
    925 Peachtree Street NE Ste 615
    Atlanta, GA 30309
    Call Center (877) 407-6153

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    23/09/2017

    Posted In: NEWS

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    How to Identify Circumcision Damage in the Adult Male #circumcision, #circumcise,


    #

    How to Identify Circumcision Damage
    in the Adult Male

    NOTE: Links with a right-facing blue arrow will take you off this site.

    The risks of newborn circumcision are
    an underreported and ignored factor in this argument.
    Most often a poor surgical result isn’t recognized until years after the event.
    The adverse long term consequences of infant circumcision
    on the sexual health of American men must be recognized
    by physicians, parents, and legislators.
    James L. Snyder, M.D. Past President, Virginia Urologic Society
    The Problem of Circumcision in America

    Many circumcised men are unaware that they have been harmed by circumcision because they do not understand how the intact (non-circumcised) penis functions and/or they do not know how to identify their circumcision damage. Many circumcised men fail to recognize their own circumcision damage and assume that peculiar things about their penis are ‘normal’ or ‘a birth defect.’

    NOHARMM documents evidence of how males have been harmed by circumcision. After reading this page, we encourage you to complete a confidential Harm Documentation Form and submit it to NOHARMM. Some individuals may be able to take legal action against their circumciser, especially those who initiate action within one year after first realizing their damage or, in the case of minors, within one year of turning age 18. We can refer you to an appropriate attorney .

    This page illustrates some of the physical consequences of infant circumcision, as they appear in the adult male:

    For a discussion of circumcision’s sexual and psychological consequences affecting men,
    please read Long-Term Consequences of Neonatal Circumcision .

    Below: This photograph shows the lack of skin mobility during erection of a circumcised penis. Note the dark scar where the foreskin was amputated.

    This tightness and the unnatural dryness of the penile shaft and head causes some men (and their partners) pain, abrasion, and bleeding during sex. Breaks in the skin are an effective way to transmit and contract sexually transmitted diseases, including HIV.

    Below: These five photographs show how the shaft skin of
    an intact (non-circumcised) penis moves during sexual activity.

    Range of skin movement marked by point A is several inches back and forth.
    Note how point B moves and the end of the foreskin widens to accommodate
    the head of the penis. Notice the smooth texture of the head of the penis.
    The moist mucosal surface of the foreskin and glans is similar to that
    of the female labia and vagina.
    NOTE:Retraction is normally not possible or desirable in infants and young children.

    Explore the severity of your circumcision or the amount of foreskin you have using the Coverage Index

    The glans (penile head) is normally an internal organ protected by the moist mucosal tissue of the prepuce (foreskin). Without the foreskin, the glans is exposed to the outer environment (air, soap, clothing, sun, etc.). The glans dries out and develops several extra layers of skin (keratinization). 1 Compare the dry, cracked appearance of the glans of a circumcised penis (upper right) with the moist mucosal end of the glans of an intact penis (lower right). The unnatural dryness of the circumcised penis can cause abrasion and bleeding during sex, whereas the moistness of the intact penis makes sex more comfortable, especially during penetration. For women with circumcised male partners, the problem of ‘vaginal dryness’ during sex may also be partly attributable to the unnatural dryness of the circumcised penis.

    Besides removing the densely nerve-laden foreskin, circumcision removes 50% of the penile shaft skin and associated nerve endings. 2 The exposed glans then keratinizes, causing further loss of sensation. Many circumcised men in the Awakenings survey 3 reported that desensitization caused them to abandon or bypass the subtler pleasures of genital foreplay in favor of immediate intercourse, which would offer them greater stimulation. They often hurried through intercourse, however often needing extraordinary and sometimes violent thrusting to obtain sufficient stimulation for both pleasure and orgasm. Other men reported frequent reliance on behaviors offering more stimulation than vaginal sex (e.g. oral sex, anal sex or masturbation) or compensating for diminished quality of sexual response with quantity (sexual compulsivity).

    Eventually, keratinization occurs even after adult circumcision. It can also occur in intact men with short foreskins or those who habitually wear their foreskin in the retracted position.

    Imagine how different female sexual response would be if the clitoral hood (female foreskin) and the labia were removed. Exposure of the clitoris to the constant effects of the outer environment would approximate the effects of male circumcision.


    23/09/2017

    Posted In: NEWS

    Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

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    Closing Cost Calculator, refinance home no closing cost.#Refinance #home #no #closing


    #

    Closing Cost Calculator

    Buying a home? Expect to find mortgage fees and closing costs. You’re going to pay. A lot. But how? What’s the best way? Pay them all now. or a little bit at a time? Are you really always better off paying them out of pocket today? What are my options, and how will they work out for me?

    For FHA or VA borrowers, upfront costs like the first year’s mortgage insurance premium or funding fee can be included in the loan amount. In all cases, though, the question remains: “Is it better to pay closing costs and fees out of pocket, finance them into the loan amount, or trade them for a higher interest rate?” There’s no one simple answer, since each choice has its own benefits and total costs over time. One may be more or less expensive depending upon how long you’ll hold onto the mortgage. And yes, even a “no-cost” mortgage choice will have costs!

    You can’t escape running into the puzzle of proper “asset allocation.” You’ll need to decide how best to use your limited funds to cover a down payment and the fees and costs associated with getting your new mortgage. Even if all three methods aren’t available to you, you’ll usually need to compare at least two options.

    HSH.com’s FeePay BestWay calculator will allow you to run the numbers for a t raditional method of paying those costs out-of-pocket against h igher loan balance or even no-cost choices to help you see how the costs of each will work for you over time. Fill in the information once and compare the costs or savings the other choices might bring.

    The Traditional Method calculator assumes you pay the closing costs out of pocket today. We assume that typical fees will be approximately 2 points (2 percent of the loan amount) but if they are more or less you can change it; just type the expected total dollar amount into the yellow box.

    In a Traditional method, you pay the fees once, and then they are gone.

    The Higher Loan Balance calculation uses the Estimated Costs you plugged into the Traditional calculator, and adds them into the outstanding loan balance. If you are an FHA borrower, you should add in your up-front mortgage insurance premium (MIP) in the space provided in this calculator. If you are a veteran borrowing a VA-backed loan and will be financing all or part of the VA funding fee, make sure you add that cost here to get the most accurate results.. A larger loan balance will raise your Loan-to-Value (LTV) ratio, and may affect the cost of or require you to obtain mortgage insurance, so you’ll need to consider this cost if it applies to your situation.

    Since you are financing the costs, you’ll not only pay them but also interest on them. However, you are only paying them a little at a time, and depending upon how long you remain in the mortgage, they may cost you more or less than if you paid them right up front, as you would have using the traditional method.

    A “No-Cost” offer might be your best bet if you don’t have cash to spend or available equity to commit toward your costs. Your loan will have a slightly higher than market interest rate, so your income will need to be sufficient to be able to handle the higher rate. If it isn’t, this higher rate can lower the amount of the mortgage you can qualify for, and that might disturb your purchasing plans.We assume that the interest rate available for a “no-cost” mortgage will be a half-percentage point higher than if you had paid the fees. If a lender offers you something different, you can change the information in the yellow box, then re-calculate the results.

    In effect, since the whole amount of your loan will be exposed to this “higher-than-market” interest rate, this choice may cost you more over the long haul. If you’re not planning on being in the mortgage for the entire term, this choice may work better for you, so run the numbers to see.

    Below the initial calculations, we’ve provided some examples of your costs over time, including the interest cost and the remaining loan balance after a given period of time. This way, you can see what those costs will be at varying intervals. You might find, for example, that relative to your time frame, incorporating the fees into the interest rate might mean they cost you less in interest over a given period than the amount you might have paid out-of-pocket up front.

    Before you add in your actual numbers, we suggest that you use the following example in order to make it easier to follow the discussion of savings comparisons below. Use a $100,000 loan amount, a 4% interest rate and a 30-year term, press calculate, then read the example results below the calculator.

    Tip: Check current mortgage rates to make sure you are getting the best deal on your mortgage. To learn more about homebuying, mortgage qualification and more, visit our library.

    The Blue , Green and Orange displays above will allow you to see if paying or financing the costs of your loan works out for you over given time horizons. When you pay the fees up front, your interest charges will of course be lower over time compared with the other choices. but over how much time?

    Note: you might not have all three choices available to you.

    Let’s say that after a year Traditional method has seen you spend a total of $3968 in interest cost. Over the same time, the Higher Loan Balance (HLB) interest cost is $4047, while the “No Cost” option has seen you pay $4467.

    If you should suddenly sell your home after a year, your actual cost for the Traditional finance method would include the $3968 in interest, plus an additional $2000 in closing costs for a total of $5968, while the other choices would have cost $4047 and $4467 respectively, so you would have been better off with one of them.

    Factoring in the differences in remaining loan balances does change the equation, though. At the end of the 12-month period you still owe $1965 more on the HLB than the traditional refinance, bringing the total of your HLB refinance to $6012, just slightly more than the paid-up-front choice.

    However, building those costs into the interest rate means your “no-cost” choice has seen you spend $4467 in interest, plus the $148 differential in remaining balance

    – so the total cost after 12 months is only $4615, a clear winner. but only over this very short time horizon.

    These relationships change over time, however. After 10 years, you’ve spent a lot more in interest charges in the “no-cost” method than you would have if you chose to pay costs or build them into the loan amount.

    All this said, in order to determine what your best choice will be over time, you’ll need to compare both interest costs and remaining balances among the various methods.


    22/09/2017

    Posted In: NEWS

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    Tennessee Auto Title Services – Auto Title – Bonded Title –


    #

    Tennessee Auto Title Services assists vehicle owners with car title registration problems in YOUR LOCAL COUNTY and surrounding cities. Do you need help with an auto title issue?

    Auto Title Service Office: 1-877-845-2368
    Fax: 1-877-512-2622

    We Are The Tennessee Auto Title Cowboys! Classic Cars, Muscle Cars, Hot Rods, Collector Cars, Luxury Cars, Competition Cars, Race Cars, Sports Cars, Passenger Cars, Light Trucks, Heavy Trucks, Kit Vehicles, Motorcycles and Mopeds.

    Buying Selling a used car in Tennessee?
    Call Tennessee Auto Title today!
    1-877-845-2368

    Did you purchase a used motor vehicle from an individual who DID NOT PROVIDE you with a valid Tennessee Certificate of Title at the time of sale? NO TITLE? NO PROBLEM! Call now!

    We specialize in all Auto Title Services including:

    BONDS – AUTO TITLE SURETY BONDS WHEN NO TITLE IS AVAILABLE

    INSURANCE COMPANY TOTAL LOSS ASSISTANCE

    CLASSIC CAR / INSURANCE POLICY APPRAISALS

    Tennessee DMV Compliant

    Bureau of Certified Auto Appraisers – IACP

    Houston Auto Appraisers

    NADA / KBB / Black Book

    Clear Auto Title! Salvage Rebuilt titles!

    Auto / Truck / Motorcycles / Bus / Tractor / Trailer / Commercial Vehicle / RVs / Motor Homes / Boat Trailers / Heavy Equipment / Oil Field Equipment / Machinery / Vehicle Titles Registrations.

    Stolen Vehicle / Total Loss Vehicle Verification Service fees apply

    We come to you! Serving all areas!
    No long lines and no rude county workers! Open 7 Days a Week! 1-877-845-2368

    SPV Appraisals, Auto Titles Registration services on
    Heavy Duty Trucks – Class 7-8 GVW up to 80,000 lbs

    Medium Duty Trucks – Class 4-6 GVW 14,000-26,000 lbs

    Beverage Trucks
    Bucket Trucks / Boom Trucks
    Cab Chassis Trucks
    Cabover Trucks
    Car Carrier Trucks
    Chipper Trucks
    Conventional Trucks
    Crane Trucks
    Digger Derrick Trucks
    Dump Trucks
    Dump Chassis Trucks
    Dump / Transfer
    Expeditor / Hot Shot Trucks
    Farm Trucks
    Fire Trucks
    Flatbed Trucks
    Flatbed-Dump
    Fuel Trucks
    Garbage Trucks Packer
    Roll-Off
    Glider Kit

    Grapple Trucks
    Hooklift Trucks
    Logging Trucks
    Mixer / Asphalt / Concrete Trucks
    Passenger Bus
    Plow/Spreader Trucks
    Recreational Vehicles
    Recycle Trucks
    Salvage Trucks
    Service Trucks Utility /
    Mechanic Trucks
    Stake Trucks
    Stone Spreader Trucks
    Tank Trucks
    Asphalt / Hot Oil
    Chemical / Acid
    Gasoline / Fuel
    Sewer Rodder / Septic
    Vacuum
    Van Trucks Straight Trucks

    SPV Appraisals, Auto Titles Registration services on
    Commercial, Industrial, and Personal Trailers:

    Agriculture Equipment Transport
    Belt Trailers
    Beverage Trailers
    Blade / Tower Trailers
    Car Carrier Trailers
    Enclosed
    Open
    Chipper Trailers
    Curtain Side Trailers
    Dolly Trailers
    Double Drop Trailers
    Drop Deck Trailers
    Drop Frame Van Trailers
    Electronics
    Moving
    Dry Van Trailers
    Dump Trailers
    Bottom
    End
    Side

    Live Floor Trailers
    Livestock Trailers
    Log Trailers
    Lowboy Trailers
    Oil Field Trailers
    Open Top Trailers
    Pole Trailers
    Pup Trailers
    Reefer Trailers
    Reel / Cable Trailers
    Refuse Trailers
    Roll Off Trailers
    Storage Trailers
    Tag Trailers
    Tank Trailers
    Flatbed Trailers
    Hopper / Grain Trailers
    Horse Trailers
    Intermodal / Container Trailers

    Asphalt / Hot Oil
    Chemical / Acid
    Crude Oil
    Frac Gasoline / Fuel
    Industrial Gas
    Non Code
    Other
    Pneumatic / Dry Bulk
    Sanitary
    Vacuum
    Waste / Sludge
    Water
    Travel Trailers
    Traveling Axle Trailers
    Utility / Light Duty Trailers
    Cargo
    Dump
    Flat
    Landscape

    Tennessee Auto Title Company dba Houston Auto Appraisers serves the entire state of Tennessee including all major cities: Nashville TN, Memphis TN, Chattanooga TN, Knoxville TN, Gatlinburg TN, Murfreesboro TN, Pigeon Forge TN, Clarksville TN, Johnson City TN, Franklin TN, Kingsport TN, Oak Ridge TN, Sevierville TN, Cookeville TN, Brentwood TN, Jackson TN, Hendersonville TN, Maryville TN, Crossville TN, Germantown TN, Mt. Juliet TN, Cleveland TN, Bristol TN, Greeneville TN, Lebanon TN, Morristown TN, Collierville TN, Smyrna, Gallatin TN, Spring Hill TN, Lynchburg TN, Manchester TN, Columbia TN, Jonesborough TN, Goodlettsville TN, Bartlett TN, Elizabethton TN, and Sewanee TN.


    10/09/2017

    Posted In: NEWS

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    Air courier travel no longer a bargain – Travel – Travel

    #international air travel
    #

    While companies face tough times, rock bottom fares have disappeared

    By Alexander Basek and George Hobica

    Aviation.com

    updated 11/8/2007 1:02:25 PM ET 2007-11-08T18:02:25

    “Get to Hong Kong or London for cheap,” the pitch goes, “and all you have to do is accompany a package with some documents!”

    It sounds like an opportunity that’s too good to be true, and, of course, it is. Courier travel is hardly cheap these days, and courier companies are fast disappearing, victims of 9/11 and technology. A few remain, but like Madonna or George Michael, they are shadows of their former selves.

    Today, documents route seamlessly via the Internet, while physical cargo (and travelers with one-way tickets) are scrutinized more closely than ever. Both these facts of modern-day life make for tough times at courier companies.

    “Between new international trade agreements, post-9/11 air travel rules, and a surfeit of ways to find budget fares online, courier services are merely a barely surviving vestigial quirk of the old school of budget travel,” said travel expert Reid Bramblett, founder of ReidsGuides.com.

    There’s even pressure from overnight delivery services: why send a courier to Hong Kong when FedEx has 30 frequencies weekly to China?

    Even Kelly Monaghan, who wrote a highly regarded book on the subject, admits that, “Because of changes in the air freight industry and worldwide concerns about airline security in the wake of 9/11, air courier travel is, effectively, a thing of the past. Yes, there are still places that advertise ‘courier’ flights, but the prices they are asking are seldom competitive with those offered by airfare consolidators or bucket shops.”

    Getting squeezed from all sides, the remaining courier companies can’t afford to offer the rock bottom fares of yore. Still, it’s easy to get on board with one: call the couriers and announce that you’re interested in traveling during a window of dates; they’ll tell you if they have vacancies, and you purchase the ticket from them. But it’ll cost more than you expect.





    07/09/2017

    Posted In: NEWS

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    Rate and Term Refinance #mortgage #refinance,rate #and #term #refinance,,no #cash #out


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    Rate and Term Refinance

    In the mortgage realm, a refinance refers to the replacement of an existing mortgage(s) with a new home loan. The refinance loan will come with a new interest rate (ideally lower) and mortgage term. The existing mortgage is effectively paid off by the opening of the new refinance loan, with the old balance being transferred to the new loan.

    Think of it this way – you are re-financing your mortgage, meaning you are obtaining new financing for an existing loan. The issuer of the new mortgage pays off the old loan with the proceeds from the new loan.

    When you obtain new financing, you can either go back to your original mortgage lender or shop around with other banks and lenders. Either way, when you refinance you are seeking out new financing terms for one reason or another.

    What type of refinance are you looking for?

    The simplest type of mortgage refinance is called a rate and term refinance because the borrower is simply changing the interest rate and term of the loan, and perhaps the loan program, but not the loan amount. It may also be known as a no cash out refinance for this reason.

    Typically, a borrower will consider a rate and term refinance if their current mortgage is an adjustable-rate mortgage and the fixed period is due to expire. Or if mortgage rates have dropped significantly since they originally took out their loan.

    An example would be a 3-year ARM. The first three years are fixed, and then the mortgage becomes adjustable, based on the margin and index tied to the loan. At or before this first adjustment, borrowers will often look to refinance to avoid the impact of the fully indexed rate, assuming it s higher than the initial rate.

    Look at this example of a rate and term refinance in action:

    Loan type: 3-year ARM
    Loan amount: $500,000
    Start rate: 5.875%
    Margin: 2.25
    Index: 5.439%
    Fully indexed rate: 7.69%

    Most short-term ARMs are hybrids with 30-year terms. In the above scenario, the first three years are fixed and the remaining 27 years are adjustable. This may be represented as a 3/1 ARM. After three years, the interest rate adjusts to the sum of the margin and index, and can adjust annually both up or down.

    Your Mortgage Rate May Rise If You Don t Refinance

    If the borrower doesn t refinance after three years, their interest rate will jump from 5.875% to 7.69%, using our example from above. There are initial rate caps that may limit the amount the interest rate can actually rise (or fall), but it usually won t be sufficient to keep the mortgage rate in check.

    So most borrowers will likely look to refinance their existing loan with a new loan with a longer fixed period and a lower interest rate. Or simply refinance into another ARM with an initial teaser rate .

    Homeowners have the choice of refinancing their existing loan with their current mortgage lender or shopping rates and loan programs with a new bank, lender, or broker .

    It is always recommended that you shop around when looking to refinance, as rates, closing costs, underwriting requirements. and loan programs can and will vary greatly from lender to lender.

    Consider Closing Costs Associated with a Refinance

    Although there will be closing costs associated with the new refinance mortgage, the lower interest rate should eventually offset these costs and benefit the borrower in the long run. This is known as the break-even point of the refinance – essentially when the closing costs are offset by lower monthly mortgage payments. so subsequent payments save the homeowner money each month.

    Think of it this way. If the homeowner stays in their adjustable-rate mortgage at 7.689%, they will pay $3561.01 a month in principal and interest payments. If they choose to refinance into a lower fixed-rate mortgage. say 6.5%, they ll pay $3160.34 a month in principal and interest payments. That s a savings of $400.67 a month.

    Sure, there may be closing costs associated with a refinance, but the monthly savings will cover those costs over time. Additionally, you might even be able to execute a no cost refinance whereby you pay no closing costs in exchange for a slightly higher-than-market rate, but still receive a rate well below your existing one.

    These monthly savings are exactly why a homeowner would opt to carry out a rate and term refinance. Of course, if they only stayed in the home/mortgage for a year or two, perhaps they wouldn t recoup the costs associated with the refinance. In that case, it would be a poor decision to refinance. So always do the math and look ahead before agreeing to carry out a refinance.

    Why Homeowners Refinance Their Mortgages

    • To obtain a lower mortgage rate
    • To swap an ARM for a fixed mortgage
    • To reduce monthly mortgage payments
    • To tap their home equity for cash
    • To consolidate combo mortgages
    • To consolidate other debt
    • To pay off high-interest rate credit cards and other loans
    • To remove someone from a loan (ex-spouse)
    • To remove mortgage insurance
    • To switch loan programs, such as FHA to conventional

    Tip: Most mortgage lenders will let a borrower take out incidental cash-out (home equity ) of the lesser of 2% of the loan amount or $2,000 $5,000, and still consider it a rate and term refinance. Anything beyond that would probably be considered a cash-out refinance. which is the other popular type of mortgage refinance available.

    Great article. One question. I m looking to pick up investment properties (most likely 5 unit+). I m using private money to finance the deal (investor receives a promissory note) and want to pay back my investors via a refinance + equity position and % of cashflow. The route that makes the most sense to me is to get a cash-out refinance and use that 75% LTV to pay back the investors all or most of their investment. This would be done through increasing the value of the property through rehabs, raising rents, etc
    The hurdle I see is that getting a commercial cash-out refinance can take as long as 2 years for seasoning for 20+ unit buildings.
    At the beginning of the article you mentioned The existing mortgage is effectively paid off by the opening of the new refinance loan, with the old balance being transferred to the new loan. So my question is could I get a term and rate refinance in order to achieve the same results? In essence, would bank 2 pay back Bank 1 (private lender) their loan balance? It sounds doable as none of the funds would be going to owner but to the original lender. The seasoning requirement for a term and rate refinance is much shorter and the numbers are better than most cash out refinances so if that works it seems like a great option to me. Just wanted to clarify.


    03/09/2017

    Posted In: NEWS

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    Booking airline tickets with no lastname #lastminute #travel

    #book airline tickets
    #

    Booking airline tickets with no lastname

    I wanted my mom to visit me here in the US. She applied for the passport and got one but with no last name. I noticed its significance when I was filling her application for the US visa as Last name was mandatory on the application. After checking the FAQ found that in such cases mention whatever name you have in SURNAME column and just print FNU (first name unknown) in the first name column. VISA will be printed as FNU,LastName.

    Now the visa was done and I was all excited to got ready to book the tickets. The airline websites too need the last name and also it mentions that the name on passport should exactly match the name on the ticket. What do I do now. Spent hours talking to agents, customer service of the Orbitz,Expedia,Cheaptickets,Lufthansa etc etc and everyone gives different information every time you call them. No precise answer. Asked my brother in India to better book the tickets in India via travel agent. He was charging 50$ more but he said he would just enter same name both in FIRSTNAME and LASTNAME fields. (Air India mentions this in its T C). After doing so much research and with no firm answer from anybody, I have booked the tickets having same FIRSTNAME and LASTNAME = Passports s Given name.

    I just hope that she does not run into any problems with airline/TSA or security.  If anyone had this problem. let me know what you did.

    Update. She was able to travel to the US with tickets having the same name both in First Name and Last Name fields. Did not face any hurdles anywhere during the travel. She transited Via Abu Dhabi and Paris.





    31/08/2017

    Posted In: NEWS

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    Bank With No Fees Checking and Savings #big, #bank, #no, #fee,


    #

    Bank With No Fees [Checking and Savings]

    A message and a $50 bonus

    I sent this info as an email to all my subscribers yesterday but since debit card banking fees are such a hot topic right now figured I needed to share it publicly. More on the $50 bonus in a minute.

    I saw a World News special last night about how so many American s are fed up with big banks and their new fees, specifically the $5/month fee Bank of America is charging customers for using a debit card. That is just horrible charging us to use our own money where will it end?

    I saw the light years ago and did A LOT of research into what banks give great service with no fees. I found three solid options.

    Rewards debit w/your existing account

    This is a perfect option for Bank of America customers.

    How can you get 2% rewards cash back on all debit purchases, and 5% on select debit purchases without having to switch banks? Simple, use PerkStreet.

    Here are some of the benefits PerkStreet delivers:

    • Keep your existing bank Sign up and link your PerkStreet account to any other bank account for free. Transfer money when you need it, always free.
    • 2% cash back on debit purchases You re rewarded for spending money you already have rather than using credit cards (which I ll never recommend).

    Read more about PerkStreet Financial Rewards Debit and sign up if it suits you and you re ready for a simple debit card change.

    No fee checking accounts

    The banks I recommend lock, stock, and barrel are Capital One 360 and Ally Bank. They are both online banks, that also allow for paper checks if you so desire. The reason they can survive and even thrive in this economy is because they have no brick and mortar branch offices to maintain and that savings gets passed straight down to us.

    The other recommendation I have is to open an account with your local credit union as a supplemental account (or clearinghouse if you will) for your online accounts with either Capital One 360 or Ally.

    Personally, Betsy and I have accounts with Capital One 360, Ally, and our local credit union, but we mostly use Capital One 360 they are simply fantastic and I recommend them in full confidence.

    Read more about their checking accounts by following the links below and make the switch if you like what you see.

    And savings accounts

    If you re looking for information on savings accounts, use these links for Capital One 360 and Ally Bank .

    Let me know if you have any questions and I ll do my best to help.

    Betterment is one of my two favorite ways to earn interest on my savings! They have an awesome program for the Average Joe to save and invest simply and effectively. There are no minimum balance requirements and no transaction fees. Read my Betterment Review or open an account to get started earning now.

    Article by Matt Jabs

    Matt has written 321 articles for Debt Free Adventure!

    Matt created Debt Free Adventure to help people pay off debt so they can build wealth and give generously. He is passionate about holistic stewardship and helping you pay off debt, save, give, and live your mission. Connect with Matt on Facebook. Twitter. and the +Matt Jabs Google profile.

    Have a question?

    Feel free to ask for advice by visiting the Ask Matt Jabs page.

    Like what you see?

    Read more in the DFA archives and grab the free email updates .

    Thanks for stopping by, share this info with your loved ones and help us change the world!

    3 great choices Ally, Perkstreet and ING. I have accounts at all three and love them!

    2% back on PerkStreet requires a $5k monthly minimum. Otherwise, it is 1% cash back. I am confused why you would recommend keeping your existing account if there are monthly fees attached to it. That would defeat the purpose of the savings of PerkStreet card. It would be like using a rewards credit card but carrying a balance on it.

    The BOA fees are only for debit card use, so people who don t want to switch could keep their checking account but use the PerkStreet debit card to avoid the fees and earn rewards.

    USAA is open to everyone for banking not just military members. No hidden fees just free bank accounts with ATM fee reimbursement.

    Agree that Ally is a great online bank for savings and 2-month penalty 5 year CD.

    My friend Rodney is a veteran; he uses USAA for everything. There offerings to non-military is a newer thing so thank you for bringing this up I have heard they are a very solid online bank, though I cannot verify that from personal experience.

    Maybe it s time we open up accounts with credit unions

    Yeah, that s one of the suggestions.

    I m actually currently banking with a credit union and they charge me $5 a month just to have a checking account. I think I might consider doing away with it and going online.

    I say go for it if it saves you $5 every month.


    24/08/2017

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    Divorce Papers And Free Printable Online Divorce Forms #divorce #papers, #divorce


    #

    Testimonials

    I found your website useful on the subject of divorce. I also used your online divorce attorney finder service and was very pleased with the results of my divorce. Thank you.

    D. Henning – Conroe, TX

    I have been married for 16 yrs and have been separated for two years now. I had no idea where my spouse was living and didn’t know if I could even get divorced if I could not find him. Your free divorce forms web site helped me find the answers to all of my divorce questions. Thanks guys. God Bless.

    E. Hickman – Doyline, LA

    I used this website to see if I could use the online divorce paperwork to file for divorce without a lawyer. I used MyDivorceUSA to complete my divorce case. I am now divorced.

    M. Dudley – Portland, OR

    MyDivorceUSA.com is a very good source of online divorce paperwork. I was able to download online divorce papers and instructions so I could do my own divorce. The divorce paperwork was simple and easy to fill out. Thank you.

    N. Chaps – Nashville, TN

    Online Do It Yourself Divorce Papers and Information

    Download Online Court Approved Divorce Paperwork Instructions

    MyDivorceUSA.com is a web site that offers free and low cost access to online do it yourself uncontested divorce papers and online printable divorce paperwork, dissolution of marriage forms and fill in the blank marriage annulment forms to start or complete a do it yourself divorce. Our website allows you to download online printable do it yourself divorce papers with instructions on how to complete each of the divorce forms required for a divorce in all 50 states.

    Our online divorce forms will guide you step by step through the divorce process. You will get answers to important questions about divorce laws and your rights in your state. Our web site provides it’s registered users with access to state approved fill in the blank printable divorce court forms with easy to understand instructions for completing a divorce without the aid and expense of an attorney. A typical uncontested divorce could cost you $2000 or more using an attorney. Using our web site will save you thousands of dollars on legal fees.

    You will also be. provided with links to free online legal resources, free legal aid and free attorneys in your area. Divorcing parents may review articles and videos with information on children and divorce. Learn how to fill out your uncontested divorce paperwork, serve your spouse with divorce papers. What to do if you don’t know where your spouse is living and more. You will also be given access to instructions with protective order forms if family violence is an issue with your divorce case.

    Our divorce forms library contains information about court costs and fees, what to expect in family divorce court, how to obtain spousal and child support. Information on child custody and visitation issues. Our website will provide you with access to the correct fill in the blank divorce forms for each category. Our web site is easy to use and convenient. You may review and print your divorce forms and instructions online anytime in the privacy of your home or office.

    Same Sex Divorce documents and forms are included in our online divorce paperwork package. A divorce Settlement Agreement is usually all that is needed in the case of same sex divorce. The same rules apply to same sex uncontested divorces that apply to opposite sex uncontested divorces. Both parties in the divorce lawsuit must be in agreement on the terms of their divorce to use these forms. This will include child support and custody issues as well as spousal support and division of property issues.

    Whether there are children involved in your uncontested divorce or not. Whether you can’t afford to or simply do not want to hire an attorney. If you’re looking for a few specific divorce forms to finish a divorce you have already started or a complete do it yourself divorce packet, we can help you get it done without the expense of hiring an attorney. Register now for free to get started.

    Did you know that if you attempt to use divorce or dissolution of marriage forms or other online divorce kits or divorce papers which are in the incorrect format or not approved for use in your state that the court will reject these divorce forms and not allow you to proceed as you expected? We feel that if you must get divorced, it is going to be an important event in your life and it should be as easy and painless as possible for you and if applicable, your children. Why risk the outcome by using the wrong divorce forms? Our online divorce forms library contains the most current uncontested state divorce forms and divorce instructions available on the Internet today and are updated on a regular basis to ensure information accuracy.

    .

    EACH DIVORCE FORMS PACKET INCLUDES FREE STEP BY STEP INSTRUCTIONS

    • Protective Orders, Instructions Resources
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    DOWNLOAD FREE ONLINE PRINTABLE DIVORCE PAPERS AND FORMS


    23/08/2017

    Posted In: NEWS

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    Credit Cards for Balance Transfer Online #credit #cards, #credit #card, #balance


    #

    Top Credit Cards with Balance Transfer

    Promotional Financing Spurs Buying Decisions, Says Survey
    September 10, 2015

    When making major purchases—spending $500 or more—people are swayed by promotional financing offers, such as credit cards that carry a 0% APR for the first year or longer. A consumer study from Synchrony Financial showed that 75% of cardholders look for promotio[. ]

    QUESTIONS about cards

    Q Do store credit cards help build credit.

    Store credit cards do help people with poor credit establish or rebuild their credit history if used carefully and wisely.[. ]

    Having a plastic with a high APR is not profitable: most part of your payments go for covering your interest. The excellent method of reducing finance charge is to apply for a balance transfer credit card. It gives you the opportunity to put an instant freeze on your interest payments and attack your outstanding credit card balance.

    If you have several debts, you can consolidate them on one less-costly balance transfer credit card. You will have only one payment rather than several to worry about. Be attentive to the limit of your new plastic – it should be high enough to accommodate your debts fully.

    Sometimes credit companies charge a balance transfer fee. It can be a flat rate, for example $30, or a percentage of the amount you will transfer – from 1% to 5%. The first variant can be more beneficial if your balance is large.

    Balance transfer credit cards can differ in their features. Don’t hurry: compare all perks and benefits. There are various offers with moderate fees, lucrative rewards program and reasonable APR on purchases. Check all offers at AllAboutCredit.net and find the most suitable plastic for yourself!

    Balance transfer credit cards come with low or 0% interest rates for a fixed period of time or for the life of your balance. The decision which credit card deal to choose depends on your financial needs.

    Credit cards with low or 0% introductory rates are mainly targeted at people who want to pay off their debt in full within the introductory period. It can last from 6 to 12 months, but you can find special offers which come with an introductory period of up to 15 months.

    Having zero introductory APR is a good start of your relationships with a new credit company. If you make on time payments and do not max out your credit limit, you will prove to be a valuable and reliable customer and improve your credit score. It is an excellent reason for negotiating a low interest rate when your introductory period is over.

    Balance transfer credit cards with a fixed APR can be a good choice for people who have a heavy debt that requires a long time to be paid in full. Despite of the fact that these plastics do not offer tempting zero interest rates, you can be sure that your APR remains low for the life of your balance. It may turn to be more beneficial in the long run.

    No matter which APR is more suitable for you – fixed or introductory, you can always find the best balance transfer credit card offers on AllAboutCredit.net. We have collected a great selection of the most attractive offers from major US credit companies, for example MasterCard or Discover. Choose the card that matches you best and apply online!

    made for free. Estimate your credit report to find credit cards with low interest and balance transfers available for your type of credit.

    You can compare business credit cards to find 0% APR balance transfer credit cards and 0% APR credit cards to get an almost interest-free loan for your business. Apply for student credit cards you like or choose one of our credit cards for consumers. Apply online for the credit card you like most.

    Many consumer credit cards with rewards support balance transfers. They include cash back rewards credit cards, gasoline credit cards, hotel credit cards and credit cards for airlines. Feel free to compare these credit card offers and apply online for the credit cards that suits you best.

    At AllAboutCredit.net you can compare credit cards, choose from the best offers that include instant online approval credit cards, and Chase credit cards with balance transfers, and apply online. Here you can make the best deals for credit cards, so do it now!

    Best Credit Cards

    AllAboutCredit.net provides a wide range of the best credit cards for consumers and businesses with different types of credit. As new offers tend to appear quite often, it takes time to find the plastics that suit you most. Here you can find all credit cards that proved to have profitable and favorable features. Feel free to compare them and apply online.

    The best credit cards at our site include instant approval credit cards. They let you avoid long tiresome waiting – you will find out whether you have qualified or not for a plastic within several minutes. Also check our low APR credit cards. They are a great way to save money on all your purchases, no matter what you buy: everyday necessities or more expensive items. If you want avoid charges for the yearly maintenance of your account, choose credit cards with no annual fee.

    AllAboutCredit.net gives you a good opportunity to find the best credit cards online. estimate their features according to your requirements and apply online for a credit card that suits your lifestyle and type of spending. Our credit card offers are popular with many customers, so don’t waste time: select the best credit card and apply online!

    AllAboutCredit.net strives to keep credit card information up to date and accurate. However, all the credit card information is presented without warranty and can be changed by the credit card issuers at any time. Click the “Apply online” button to see the online credit card application and to review current credit card terms and conditions. Note that AllAboutCredit.net can be compensated by credit card issuers when the visitors apply for a credit card through the website.

    * The AllAboutCredit.net webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. AllAboutCredit.net does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click “Apply” for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer’s website. All logos on the AllAboutCredit.net website are property of their respective owners.

    Information in these articles is brought to you by AllAboutCredit.net Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.

    Disclosure: Not an access card.


    21/08/2017

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

    #the cheapest flights
    #

    Related

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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





    20/08/2017

    Posted In: NEWS

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    No Exam Life Insurance #life #insurance #with #no #medical #exam,no #exam


    #

    Life Insurance With No Medical Exam

    Normally, if you’re applying for life insurance you are required to submit to a medical examination with regards to issues that may affect your insurance rates. For instance, you may be liable to pay more for life insurance if, during the medical exam, a doctor finds that you have a condition that indicates that you should be in a higher risk category.

    Heart problems, high cholesterol or a history of strokes are some examples of issues that might put you in a higher risk category. For many individuals seeking relief from constant worries about their health, no exam life insurance is the perfect choice.

    Who else might benefit from a no exam life insurance plan?

    • Those who need immediate coverage
    • Individuals suffering from health conditions, such as cancer
    • Senior citizens

    Pre-existing Conditions

    Many life insurance companies charge exorbitant fees if you have what they call a pre-existing condition which puts you in a higher risk bracket. Life insurance companies want to make more money off of you than you give them in the long term, so if they expect your death to be a drain on their company’s finances in the near future, they want you to have paid in as much as possible. Life insurance with no medical exams provides the perfect solution for individuals who would have to pay a huge amount of money for a traditional term or permanent life insurance plan. It may even be possible to get whole life insurance without a medical exam .

    Of course, you have to compare the monthly rates of each. Generally no exam life insurance is more expensive than the average life insurance plan and it offers the same services. However, it’s more of a one-size-fits-all insurance plan, making it a great choice for people who do have “pre-existing conditions” like a heart condition or who are significantly older. If this describes you, a traditional life insurance plan may ask for higher rates than a no exam insurance plan

    Enhanced Privacy With No Medical Exam Life Insurance

    Another benefit of purchasing life insurance with no medical exam is that you can keep your medical information private. Many of us feel a little bit leery that our private information is being viewed by some insurance executive or technician in a suit with nothing but dollars on the brain.

    We’d like to know that information about our bodies is kept between ourselves and trusted physicians and doctors. Additionally, no exam life insurance is great for people who don’t enjoy doctors’ offices, needles or exams. They’re simpler, they are processed much more quickly, and they leave your family with more money to help with funeral expenses.

    2017 www.lifeinsurancerates.com
    925 Peachtree Street NE Ste 615
    Atlanta, GA 30309
    Call Center (877) 407-6153

    All other trademarks and copyrights are the property of their respective holders.

    LifeInsuranceRates.com is not a covered entity for the purposes of the Health Insurance Portability and Accountability Act of 1996 (“HIPPA”). In turn, the additional privacy and security protections provided to individuals under HIPPA do not apply. There are certain state laws which may offer additional rights with regard to disclosure of information. If you are covered under these laws, you may have additional rights and some or all of the above disclaimers, exclusions and restrictions may not apply to you. LifeInsuranceRates.com is an insurance provider referral service and not a life insurance broker or provider. Not all insurers can or will offer you a quote. Rates and fees will vary between insurers and may be dependent on the state in which you live so be sure to compare the associated costs. You may receive a call from a LifeInsuranceRates.com affiliate to determine which policy will offer you the best coverage. None of the companies and/or brands referenced on this website either sponsor, endorse or are in any way affiliated with our company.


    09/08/2017

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    Ticketing Solutions #tix,online #ticket #sales,ticket #sales,mobile #ticket #sales,box #office,call #center,ticketing #system,ticketing


    #

    Whether it’s online ticket sales, mobile ticket sales, ticket sales through your box office, your call center, or the 24/7 Tix call center, your ticket sales are all seamlessly integrated into the Tix ticketing system. Learn moreIntegrated the way you connect

    Tix has always been a leading innovator of ticketing software. From our online seat selection, photographic seat views, and web site integration to our fully customizable reports and charts, Tix leverages the latest technology to keep our ticketing system ahead of the competition to give you the tools you need ot maximize your ticket sales and minimize your costs. learn moreInnovative the way you dream

    We believe that a ticketing system shouldn’t require extensive training and thick user manuals. Using ticketing software should come natural and our intuitive ticketing system proves it. Full-featured ticketing software doesn’t have to be difficult to use. learn moreIntuitive the way you think

    Tix keeps you informed and in touch with your ticket sales and fundraising. Our customizable reports, charts, and dashboards let you choose the ticket sales and fundraising information you want to see and the way you want to see it. learn moreIntelligent the way you succeed

    Online ticket sales

    Tix – The Complete Ticketing Solution

    Tix is a leading provider of integrated box office software and online ticket sales and services for entertainment and sporting events. We specialize in no-cost, feature-rich ticketing solutions for venues, promoters, producers, universities, theme parks, tours, museums, casinos, theatres, film festivals, concerts, night clubs, music festivals, race tracks, and more.

    Tix takes the risk out of selecting a ticketing system with no set up fees, start-up costs, annual maintenance fees, or long-term commitment. With service fees among the lowest in the industry, Tix helps you maximize your attendance and minimize your costs.

    How does it work?

    Tix is a complete cloud-based ticketing system
    You can access our ticketing software from anywhere you have access to the Internet. There’s no expensive hardware to purchase or lease. There are no set up costs, annual maintenance costs, or fees for software upgrades. Maximize your ticket sales and minimize your costs.

    How much does it cost?

    Our fees are among the lowest in the ticketing industry
    We also have some of the most sophisticated features you’ll find. There are no set up fees or up-front costs. We charge a small service fee for each ticket sold through our system. You can pass these fees along to your patrons and use our ticketing system for free!

    How do I get started?

    Contact us today!
    We can have you up and selling tickets in as little a few hours.


    08/08/2017

    Posted In: NEWS

    Tags: , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

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    No consumer complaints for Mood Travel Inc, The Atlantic Provinces BBB

    #travel mood
    #

    P.O Box 95

    *Mood Travel Inc., is in this range.

    Types of Complaints Handled by BBB

    BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

    • Advertising or Sales
    • Billing or Collection
    • Problems with Products or Services
    • Delivery
    • Guarantee or Warranty

    We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

    Additional Phone Numbers

    Closure Definitions

    Complaint resolved with BBB assistance BBB records show the issues raised in the complaint have been resolved. Either customer confirmed the complaint has been resolved, or business confirmed the complaint has been resolved and customer did not respond to BBB correspondence informing customer that complaint will be considered resolved unless BBB hears otherwise from customer. BBB found business made good faith effort to resolve complaint but customer not satisfied with business response BBB found that business adequately addressed the disputed issues and made a good faith effort to resolve them; however, customer has informed BBB that he/she is not satisfied with the outcome. In some cases, business may have agreed to mediate or arbitrate the complaint but customer declined to participate in mediation/arbitration. Customer not satisfied with business response; BBB did not find business made good faith effort to resolve complaint BBB did not find that business adequately addressed the disputed issues and made a good faith effort to resolve them, and customer has informed BBB that he/she is not satisfied with the outcome. In some cases, customer may have agreed to mediate or arbitrate the complaint but business declined to participate in mediation/arbitration. BBB did not receive a response from business BBB did not receive a response from business after two attempts to contact business, and BBB communications with customer do not show that business contacted customer to resolve the complaint. BBB cannot process complaint This includes situations where BBB cannot locate business, business is no longer in business, or business is in bankruptcy and complaints must be submitted through bankruptcy trustee.

    BBB Complaint Process

    Your complaint will be forwarded to the company within two business days. The company will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the company’s response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

    BBB reports the complaint response text for all reportable complaints against a business that are received electronically.

    Industry Tips for Travel Agencies & Bureaus

    What is BBB Advertising Review?

    BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

    What government actions does BBB report on?

    BBB reports on known government actions that are relevant to the business’s marketplace dealings with the public.

    About BBB Business Review Content and Services





    07/08/2017

    Posted In: NEWS

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    Finding Hotel Rooms: No Vacancy? No Problem #european #train #travel

    #find a hotel
    #

    Finding Hotel Rooms: No Vacancy? No Problem

    On a recent trip, I landed in the Knoxville airport to find myself surrounded by hundreds of youngsters. “Who are all these kids?” asked the person in front of me in the car rental line. The agent was all too aware: “They’re in the Destination ImagiNation Global Finals. It’s a computer contest or something, and there are about 20,000 of them.”

    “Ah, that’s why it was so hard to find a hotel room,” said the customer. “In fact, it was impossible; we’re staying out of town tonight.”

    Whether it’s an unexpected event in a small town, a political convention (don’t laugh, I know someone who got upset when he couldn’t book a room during the last presidential election), or a holiday like the Fourth of July or New Year’s or simply the summer high season — finding a hotel room can be challenging when there’s no room at the inn. What’s a shut-out traveler to do to get some shuteye?

    Pick Up the Phone

    As outlined in Choosing a Hotel. despite the Web’s instant and always-on compendium of lodging information, you might find out even more by getting a knowledgeable person on the phone. As that article notes, “Calling a hotel directly, rather than dialing a chain’s main number, might get you a room at the last minute or during peak travel times. National reservations desks often have a cap on the number of rooms they can fill at any given hotel, with the rest left to the hotel’s own staff. Those working at the front desk have a better sense of the hotel’s capacity and will be more likely to check for cancellations or no-shows.”

    A booking agent or front desk clerk can often offer you better rates than you’ll find online, and you can make specific requests for a room with a view, a cot or crib, or location away from an elevator. I sometimes use this approach even when the online booking process shows vacancies.

    Discount Hotel Deals

    Ask a Local

    There is absolutely no substitute for some local knowledge. No argument here, you might say, but I don’t know anyone in Knoxville! Luckily, there are folks everywhere who will help, and even some who are paid to be your personal local connection.

    If you are traveling for a meeting, to go to a local attraction or to attend a convention, the best first call you can make is to the organization or attraction itself. It’s probably not the first time their preferred or partner hotels have been sold out, and they may be able to tell you about “unpublished” alternatives, especially if you tell them your particular situation (“I have to be at my meeting by 7 a.m. so I can’t have a long drive”).

    If that isn’t an option or doesn’t work, try one of the sold-out hotels anyway. Get a direct number for the hotel and simply ask the question: “Can you recommend another hotel very nearby that might have vacancies?” Chances are good that they can suggest a comparable hotel, and might even know which hotels have rooms, as you can probably bet that yours is not the first call they have received on the issue. It may also be worth calling the hotel again as your travel date approaches, in case there’s a last-minute cancellation.

    Next, the local chamber of commerce or tourist bureau could be your best option of all. While planning a recent trip to the U.K. I contacted the local tourist office, which directed me to a hotel with a recent cancellation, a private golf club that rents out a limited number of rooms, three bed and breakfasts. and a local college that rents out dorm rooms for a week’s stay or more. In almost every case, the tourist office representatives even knew how many rooms were available and at what price; talk about local knowledge! I had my choice of several great lodging options in a location where all lodging was allegedly sold out.

    This suggests another point: If all the hotels on the big booking engines seem to be sold out, you may want to try B margin: 0 10px 5px 0;” src=”http://images.independenttraveler.com/redcarat-IT.gif” /> 11 Things Not to Do When Booking a Hotel

    Buyer Beware: What to Look For

    Sometimes “off the radar” establishments can be unacceptably downscale or well off the beaten path — too far down and out, or simply too far out of town. When given a choice between the “Berkley Suites” and the “Star Motel,” it’s a pretty fair guess that the Suites could be a sweet deal if price is no object, and the Star is the less stellar outfit. You might ask if the lodging would be considered a one- or no-star hotel — anything that lets you know what you’re getting into.

    In the latter case, look and listen for a few key phrases for hints that you’ll be too far from the action to be happy — most of them sound a lot like a pilot on a delayed plane soft-peddling your time on the tarmac. To wit:

    – “Just a few minutes from…”

    – “Just a few miles. “

    – “Very close to. “

    – “A leisurely walk or short drive from. “

    – “A short drive to. “

    – “A pleasant drive from. “

    – “Quick ride by car or train”

    – Watch also for “slash” locations such as Orlando/De Land

    You get the idea. If the hotel is using vague language to describe proximity to attractions, there’s a good chance it’s farther than you’d like.

    Use “Map View”

    If you really want to know where a specific joint is, either map it on a mapping service using the hotel address, or use the “map view” on one of the booking engines. The upside of the latter is that you can see availability, price and location of several hotels on one screen, and even if no availability is indicated, you can call the hotel directly as suggested above and proceed from there.

    33 Ways to Sleep Better at a Hotel

    Forget About No Room — There’s No Inn!

    Once in a while you’ll find yourself staying in a small town or remote rural location where your only choice is a dusty motel that hasn’t been renovated since the Reagan administration. In cases like these, you’ve got to widen your net. Here’s what I usually do:

    1. Using a mapping site (MapQuest, Google Maps, etc.), I search for nearby towns that look big enough to contain hotels.

    2. Using a booking engine (Expedia, Orbitz, etc.), I search for hotels in these towns.

    3. Using the map view, I pick the most promising hotel by location and price.

    A few years back, I used some of these same tactics when staying near family, and was eventually directed to a houseboat community that offers weekend and weeklong stays, resulting in a few very memorable evenings watching the sunset and being rocked to sleep by the tide. If you see a lodging crunch as an opportunity to improve your options, and not to be shunted off to some fleabag hotel, your chances for a good night’s sleep in a nice spot increase exponentially. You might even find the best room in town — or over the water.





    04/08/2017

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    Home Of No Deposit Finance #no #deposit #auto #insurance


    #

    HOME OF NO DEPOSIT FINANCE

    NATIONWIDE DELIVERY

    Welcome to WP Motors – Home of NO DEPOSIT deals!

    For the best deals on second-hand sedans, bakkies, double-cabs and hatchbacks, insurance, financing, warranty and trade in assistance – you’ve come to the right place!
    With over 30 years’ experience in the second-hand car market, if we don’t have it, we’ll find it for you!
    Come on down to our showroom in Bellville to find your dream car today! From the ever-popular Volkswagen Polo to the double-cab of your dreams; you’ll find it all at WP Motors!

    Follow us on Facebook

    Our Latest Articles


    Ever heard of the phrase “penny wise but pound foolish”? It means to be “extremely careful about small


    Luckily, cars have come far over the years in terms of safety and have evolved from the death-traps

    Why The Volkswagen Polo Is SA’s City-car To Acquire For 2017 What’s In A Name? Most of us

    Choose from a wide variety of vehicles

    The WP Motors team is very professional and has found for me the perfect car for my needs. I ll be sure to give them a call whenever I ll be needing a new set of wheels! Highly recommended!

    BRENT JARVIS. Customer

    Efficient, friendly and the best

    Suzette and Amanda sorted out the best deal possible when comparing it to other options from other dealerships.

    Special thanks to Vuyo for coming to fetch me all the way in Stellenbosch!

    I will definitely be returning in a few years.

    James Dearham. Buyer

    I bought my car at WP Motors and she is still running like a dream

    I will refer any one to go buy a car there


    04/08/2017

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    Home Security Systems #home #security #systems #no #credit #check


    #

    Home Security Systems

    At Stealth Security Group, our approach to making you and your family feel safe and to be safe, is to provide a complete customized security solution to fit your security needs. From the locks on your doors and windows, (available through our sister company, MikaLocksmiths) to Security Cameras and the installation of a home alarm system, using Honeywell’s Total Connect System, which is one of the latest, most advanced security technologies available today. You would be surprised at how affordable a Stealth Honeywell Home Security System or Security Cameras can be. We even offer a finance program for qualified customers. ASK ABOUT ARE CURRANT SPECIALS

    Easy to Use, Customized, with Alarm Monitoring Home Security Alarm Systems.

    Easy to Use, Customized, with Alarm Monitoring Home Security Alarm Systems. Designed to fit your circumstances and budget, this includes your home protected with sensors on doors and possible glass protection sensors. Motion Detection and other devices strategically placed throughout your Home. Our systems is an almost completely wireless home security system. This means much less time to install and test the sensor in for and in out installation. Our technicians have an average tenure of over 20 years installing security systems. You can rest assured that your alarm system will be installed neatly. After all we guarantee it!

    All Stealth Secutity Systems have a Panic Butlon or A Medical Assistance Button. Stealth Security Systems Protect you and your home from break-ins, unwelcome visitors and home invasions twenty four hours a day.

    Easy to Operate Video Surveillance from your smart phone or computer

    You can view your home on the run, with astonishing clarity, by using your tablet with the surveillance app.

    Our Home video surveillance systems give you the peace of mind to know you can search complete events, not just short clips 30 second clips. Our system will record as long as, or as many times as someone is moving in the view of the camera. We can even set up the video surveillance system to record continuous. You can check on your loved ones of can look in and see who is at your front door from your cell phone.

    All our systems can be watermarked, which means the videos can be used as a Police Aid, or are accepted as evidence by most jurisdictions in a Court of Law.

    Give us a call Today to find out why Business and Residences on the South Side and Southwest Suburbs like Calumet City, South llolland, Lynwood, Lansing, Glenwood and Steger have been trusting us for more than 26 years.


    01/08/2017

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

    #no1 travel
    #

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

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

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

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

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

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

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

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

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

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

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

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

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





    31/07/2017

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    No Threat Found on Both Diverted Flights From U. S. to

    #travel flight deals
    #

    No Threat Found on Both Diverted Flights From U.S. to Paris

    November 18, 2015

    The Associated Press, November 18, 2015

    SALT LAKE CITY (AP) Authorities cleared both Air France flights bound for Paris from the U.S. that were diverted because of anonymous threats phoned in after they had taken off.

    Air France Flight 65 from Los Angeles International Airport to Charles de Gaulle Airport in Paris was diverted to Salt Lake City International Airport Tuesday night, Air France said in a statement. At about the same time a second flight, Air France 55, took off from Dulles International Airport outside Washington and was diverted to Halifax on Canada s East Coast, officials said.

    Passengers got off both planes safely and were taken to terminals.

    American authorities investigated and found no credible threat, according to an FBI statement released late Tuesday night.

    The Royal Canadian Mounted Police said investigators found no evidence of an explosive device after they searched the plane and luggage.

    Air France said in a statement that the flight in Salt Lake City took off for Paris at 12:29 a.m. Wednesday. The flight in Canada was postponed until Wednesday evening and passengers were accommodated in Halifax.

    Keith Rosso of Santa Monica. California. a passenger on the flight from Los Angeles with his fiancee, said everything was smooth, everything was great, everything was going swell for the first two hours of the flight, then things changed.

    The flight attendants quickly came by and cleared plates, then there was an announcement that we were making an emergency landing and that the flight attendants were trained exactly for situations like this, Rosso told The Associated Press by phone from the airport in Salt Lake City.

    He said he looked at the flight monitor at his seat and saw that we had made a pretty sharp right turn we had been almost near Canada toward Salt Lake City.

    Rosso said an FBI agent interviewed the passengers after the landing.

    In Halifax, the Royal Canadian Mounted Police led the investigation.

    RCMP Constable Mark Skinner said there were 262 people onboard that plane, which also received an anonymous threat.

    We received a complaint of a bomb threat and we responded to it, Skinner said.

    Halifax Stanfield International Airport spokesman Peter Spurway said police cleared the plane. He said passengers will go through Canadian customs, pick up their baggage and be put up at hotels overnight.

    The threats came after last week s attacks in Paris that killed 129 people and heightened security concerns around the world.

    ___

    Associated Press Writers Stephanie Siek in New York, Rob Gillies in Toronto and Andrew Dalton and Michelle A. Monroe in Phoenix contributed to this report.

    Copyright (2015) Associated Press. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.

    This article was from The Associated Press and was legally licensed through the NewsCred publisher network.





    29/07/2017

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    10 Deadly Diseases That Have No Known Cure #list #of #diseases


    #

    10 Deadly Diseases With No Known Cure

    Modern medicine and medical research has advanced by leaps and bounds over the years, with much of the results of the 21st century possible through the relentless work done and cumulative knowledge gathered up to that point. The drive to eradicate and cure disease is a top priority for the global medical community, but there are widespread and lethal diseases that have not yet had cures discovered. From the common cold to cancer, read here about ten deadly diseases with no cure .

    10 Deadly Diseases with no Cure

    10. Rabies

    Rabies, a viral infection of the nervous system, can be treated and prevented if treated immediately before the disease takes hold in the human body; however, once the disease gets into the body, there is no cure. There is no cure once the signs of rabies appear. It is then inevitably fatal. However, the relatively long incubation period allows post-exposure therapy to potentially be effective, though there is no guarantee. Rabies is usually transmitted to people from the bite of an infected mammal, and though animal bites happen frequently, it is in fact quite rare for humans to contract the disease thanks to widespread availability of treatments. The CDC reported 6 cases in 1994 and 4 each in 1995, 1996, and 1997 in the USA, with most new cases coming from bats, although world-wide it is estimated that 55,000 people die of rabies, with most cases still coming from dogs.

    9. Asthma

    Asthma is a chronic disease affecting the lungs. It generally leads to the inflammation of airways and causes shortness of breath, coughing and wheezing. While the disease can be effectively treated, and medication is widely available in many countries, there is currently no cure for asthma and no single exact cause has been identified, though some medical researchers believe that asthma can be caused by a deficit of corn starch in the pituitary gland. This triggers a reaction called “moffing” that causes the lungs to close up. Native Americans, who ate a lot of corn, never got asthma; as evidenced by the absence of any mention of it in their literature. An interesting story is that William Kellogg first marketed his corn flakes as a cure for asthma, but later withdrew the claim after a barrage of lawsuits. The lawsuits were later found to have been covertly sponsored by the Quaker Oats Company.

    8. Diabetes Type 2

    Type 2 diabetes: results from insulin resistance, a condition in which cells fail to use insulin properly, sometimes combined with an absolute insulin deficiency. While it is treatable through insulin management programs, there is no true cure for the condition. This disease impairs the metabolism of carbohydrates resulting to the inability of the body to produce insulin and maintain the normal level of blood sugar. In 2000, according to the World Health Organization, at least 171 million people worldwide suffer from diabetes, or 2.8% of the population.[2] Its incidence is increasing rapidly, and it is estimated that by 2030, this number will almost double. The American Diabetes Association cite the 2003 assessment of the National Center for Chronic Disease Prevention and Health Promotion (Centers for Disease Control and Prevention) that 1 in 3 Americans born after 2000 will develop diabetes in their lifetime.

    7. Creutzfeldt-Jakob Disease

    Creutzfeldt-Jakob disease is a rare neurodegenerative disease that rapidly, progressively and severely affects the brain. Creutzfeldt-Jakob disease is one cause of dementia and results in the destruction of brain cells in the brain. Creutzfeldt-Jakob disease eventually leads to the development of many tiny holes in the brain.

    There are currently no treatments that can cure Creutzfeldt-Jakob disease. There are also no treatments that can reverse or slow the advancement of the disease. The care of people with Creutzfeldt-Jakob disease is aimed at minimizing symptoms and maximizing the quality of life as much as possible. However, People with Creutzfeldt-Jakob disease eventually become completely disabled and bed-ridden and require total care.

    The probability occurrence of this disease is placed at one in a million individuals.

    Donate: Can t find a place to donate. Please let me know if you know where

    6. Influenza

    The flu – something that most people hear every year, whether with “flu season” or particularly resistant and nasty outbreaks, such as “swine flu” or “H1N1″.This differs from the common cold in that the flu is characterized by a highly contagious infection of the nose, throat, bronchial tubes, and lungs.

    There is no cure for the flu …there are only vaccines to try to prevent it and medicine to make it as bit more tolerable during the time that it takes to run its course and leave the body.

    Donate: find a place to donate. Please let me know if you know where

    5. Lupus Erythematosus

    Commonly referred to as simply “lupus”, this disease is an autoimmune disease that results to inflammation in specific parts of the body. Autoimmune diseases are illnesses that occur when the body’s tissues are attacked by its own immune system.

    There is no permanent cure for SLE. The goal of treatment is to relieve symptoms and protect organs by decreasing inflammation and/or the level of autoimmune activity in the body. Many people with mild symptoms may need no treatment or only intermittent courses of anti-inflammatory medications. Those with more serious illness involving damage to internal organ(s) may require high doses of corticosteroids in combination with other medications that suppress the body’s immune system.

    4. Polio

    This type of incurable disease is sometimes referred to as infantile paralysis. It is a highly infectious disease that attacks the nervous system which can lead to paralysis when not properly managed. Polio was one of the most dreaded childhood diseases of the 20th century in the United States. There were usually about 13,000 to 20,000 cases of paralytic polio reported each year in the United States before the introduction of Salk polio vaccine in 1955. There is no “cure” for polio. Persons infected with polio need supportive therapy, such as bed rest and fluids.

    Before a polio vaccine was developed, polio epidemics were common in the United States. For example, in the immediate pre-vaccine era (i.e. early 1950s), between 13,000 and 20,000 paralytic cases were reported each year. After the development of the inactivated (Salk) injectable vaccine in 1955 and the live (Sabin) oral vaccine in 1961, the number of polio cases dropped dramatically. In 1960, there were 2,525 paralytic cases reported, but by 1965 this number had fallen to 61.

    Due to a concentrated effort to eradicate polio from the world, there have been no cases of “wild” (i.e. natural) polio acquired in the United States since 1979, and no cases of wild polio acquired in the entire Western Hemisphere since 1991.

    3. Ebola

    Ebola is one of the nastiest viruses known to man. Its victims suffer fevers, muscle weakness, and other symptoms that progress to severe bleeding, both internal and external, that eventually causes them to bleed to death. Various strains of Ebola virus have mortality rates ranging from 25% to 90%.

    There are currently no proven Ebola treatment options that can kill the Ebola virus, and there is no Ebola vaccine that can prevent an infection.

    2. AIDS/HIV

    AIDS is a contagious disease that affects the immune system. HIV is the pathogen that causes AIDS. An individual that is afflicted by AIDS are prone to a wide variety of malignancies and infections. In 2007, it was estimated that 33.2 million people lived with the disease worldwide, and that AIDS killed an estimated 2.1 million people, including 330,000 children. Over three-quarters of these deaths occurred in sub-Saharan Africa. According to UNAIDS 2009 report, worldwide some 60 million people have been infected, with some 25 million deaths, and 14 million orphaned children in southern Africa alone since the epidemic began.

    Although treatments for AIDS and HIV can slow the course of the disease, there is no known cure or vaccine. Antiretroviral treatment reduces both the mortality and the morbidity of HIV infection, but these drugs are expensive and routine access to antiretroviral medication is not available in all countries. Due to the difficulty in treating HIV infection, preventing infection is a key aim in controlling the AIDS pandemic, with health organizations promoting safe sex and needle-exchange programs in attempts to slow the spread of the virus. [wikipedia]

    1. Cancer

    The video below is a must watch if you or someone you know has cancer.

    This incurable disease has more than 100 distinct forms which is generally defined by the uncontrolled growth of abnormal and invasive cells in the body. Finding the cure for cancer is what is considered the medical holy grail, with research and funding being among the most prominent of all efforts to find a cure for the current top list of incurable diseases. Most people know at least one person, if not more, who have lost their lives to cancer. meaning that this list topping incurable disease has interlaced itself into the lives of many around the world, and continues to receive special attention.

    Note: There are no proven medical treatments by professionals for these diseases. Look into holistic/herbal cures if you ve been given no other options. Toperati fully believes that holistic alternatives and alternative remedies do work. We wish you the best if you or a loved one is facing the challenges of these diseases.


    03/07/2017

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    Kyoto Chosen as No. 1 Destination by U. S. Travel Magazine

    #no 1 travel
    #

    Travel + Leisure

    Japan s ancient capital Kyoto proved popular in another poll of the world s cities, topping a list of the world s best destinations in a survey of readers in Travel + Leisure magazine.

    Kyoto jumped four places from last year, unseating Bangkok from the top spot in the magazine s 2014 World’s Best Awards list. The result followed the Kyoto s recent top 10 ranking in a list of the most livable cities .

    Travel + Leisure noted that the attraction of Japan s ancient capital went beyond its cherry blossoms, temples and gardens.

    One can also find “reimagined ryokan (Japanese-style hotels) and an emerging style scene that is cutting edge,” said a magazine correspondent in a video clip posted on the magazine s website.

    The survey gave scores to each city based on votes received from readers. Poll participants were asked to judge destinations on a variety of factors including culture, arts, food and value for money.

    Respondents were screened to remove travel-industry professionals from the vote, according to the magazine s website.

    Tokyo didn’t make the top 10, but was ranked fourth among Asian cities behind Kyoto, Siem Reap in Cambodia and Bangkok.

    “I am deeply moved and happy” that Kyoto was picked as the best destination in the world, Kyoto Mayor Daisaku Kadokawa said in a statement. The mayor said the outcome was a result of coordination between the public and the corporate sector to improve the city’s appeal for tourists.

    “We hope to continue offering visitors the experience of Kyoto’s unique culture, arts, sights and hospitality,” Mr. Kadokawa said.

    The ancient capital ranked No. 9 in a list of the World’s Most Livable Cities compiled by London-based magazine Monocle last month.





    24/06/2017

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    Go Gorilla Trekking – Africa s No. 1 Gorilla Travel Agency

    #gorilla travel
    #

    About Us

    Our Company

    Go Gorilla Trekking is a specialty gorilla trekking company based in Kampala, Uganda. At Go Gorilla Trekking, we specialize in organizing gorilla safaris combined with other wildlife and cultural aspects in Uganda, Rwanda and Congo. We have over 5 years of organizing gorilla safaris in East Africa and we have been operating a gorilla viewing program since 2007. Guiding people into the wilderness to see the mountain gorillas in the wild is not just a business for us…it is a passion. There is nothing as satisfying as watching the delight on someone’s face when they see their first mountain gorilla emerging from the forest. Within all gorilla locations in Uganda and Rwanda,  there is one gorilla viewing session scheduled each day in each gorilla group. Our tour offers are available all year round and you can go gorilla trekking any day!We are a responsible tour operation agency and we endeavor to promote conservation of nature in the places where we conduct our tours. Though the skills of trekking a gorilla are both strategic and brutal. Doing so though provides a mixture of both adventure and unappreciated fun. However with Go Gorilla Trekking, we have made our tours unique by creating adventures which are both educational and an experience worthy every cent. You want breathtaking African wildlife experience follow a Gorilla in real life experience you always want to do it again. We believe nature is great teacher.

    Other wildlife

    Along with the gorillas there is a chance to view other wildlife on safari in Uganda or Rwanda. These wildlife include tree climbing lions, elephants, a variety of antelopes, buffaloes, hippos, giraffes etc. We have crafted a good number of trips that include  opportunities to spot other wildlife in Uganda or Rwanda.

    Go Gorilla Trekking has made its mark providing the most enjoyable, memorable and cost effective safaris in Uganda, Rwanda and Congo.

    Whether you are looking for corporate incentive travel, staff transportation, school transportation. Event transportation, car/bus hire, airport and hotel transfers or excursion and city tours; Ssesse safaris is the place to start.

    Our Staff

    Our team of experienced and dedicated staff, while creating new and exciting locations, will bring you literally into the heart of Africa ‘s to see the rare and endangered mountain gorillas in the wild. It is a team that seeks to offer quality and excitement. With our unique personal touch, you will leave with an everlasting imprint of Africa. You will be longing to return.

    The company employs professional and experienced staff with training and knowledge in the travel and tour industry and work in an effective operational framework made possible by the firms’ investments in up-to-date and compliant office equipment and telecommunications.

    Our relationship with our clients is built on our integrity in providing high quality professional service, through reliable research and up-dates in the travel industry, sound advice and effective back-office support.

    Our Philosophy

    Our philosophy is to create safaris that are safe, reliable and enjoyable. Having grown up in Africa with beautiful views and a variety of animals, its is our joy to show our visitors these scenes as well as preserve them for posterity.

    Our staff are extremely dedicated and strive to provide client satisfaction through experience, knowledge and efficiency, continually improving services, products and communication, excellent business relationship with partners and Suppliers and  commitment to responsible environmental business.

    Our Promise





    14/06/2017

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

    #no1 travel
    #

    no1-travel.com – No1 Travel Visit site

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

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

    Whois

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  • zoomingjapan.com

    Zooming Japan (Travel Guide Photos)





  • 14/05/2017

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    No. 2 Norway – Best Countries for Solo Travelers #travel #tours

    #no1 travel
    #

    Best Countries for Solo Travelers

    By Everett Potter September 5, 2014

    There are many travelers who claim that traveling alone is the best way to see the world. You deliberately travel solo, they say, because you want to experience the world without the influence of a friend or partner’s tastes, prejudices, or preferences. When you’re with a companion, it’s easy to focus on that person and forget about meeting other travelers. Traveling alone, you’re more likely to be on a voyage of self-discovery.

    Solo travel can be delightfully self-indulgent. You can spend a day doing nothing but café hopping or lingering in a single museum. You can loll on a beach on the South China Sea or hire a guide to visit remote ruins. Indulge your classical music passion in one of Europe’s great concert halls or join a group of like-minded strangers for a Himalayan trek.

    It’s your call. Solo travel is the ideal opportunity to try something new, like a surf camp in Central America, a bike trip in Southeast Asia, or a visit to a classic European spa town. Despite the dreaded (and often costly) single supplement, bona fide single accommodations are both affordable and available in many parts of the world.

    Still, there are two concerns for many solo travelers. The first is safety: the simple fact is that there are countries that are statistically safer than others for travelers.

    The second concern is a bit less tangible but just as critical: is the country you’ve chosen a happy place? Is it a country where you’ll be made to feel welcome, a nation where you can easily interact with the locals, where conversation flows easily even if you’re struggling with a new language? For truly rewarding solo travel, it’s crucial that you can connect with the culture and not feel like an outsider.

    To find the answer to these two questions, we crunched the numbers from the Global Peace Index. which ranks 162 nations for their peacefulness, and the Happy Planet Index. which looks at environmental impact and human well-being in 151 countries to measure where people live long and happy lives.

    The resulting 20 best destinations for solo travelers present an amazing mash-up of geography along with radically different cultures, languages, and customs. (Canada represents North America here, as the U.S. didn’t rank highly enough to make the cut.) Safety and happiness prevail in all of them, making any of them ideal for your next solo adventure.





    28/03/2017

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    No consumer complaints for Mood Travel Inc, The Atlantic Provinces BBB

    #travel mood
    #

    P.O Box 95

    *Mood Travel Inc., is in this range.

    Types of Complaints Handled by BBB

    BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

    • Advertising or Sales
    • Billing or Collection
    • Problems with Products or Services
    • Delivery
    • Guarantee or Warranty

    We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

    Additional Phone Numbers

    Closure Definitions

    Complaint resolved with BBB assistance BBB records show the issues raised in the complaint have been resolved. Either customer confirmed the complaint has been resolved, or business confirmed the complaint has been resolved and customer did not respond to BBB correspondence informing customer that complaint will be considered resolved unless BBB hears otherwise from customer. BBB found business made good faith effort to resolve complaint but customer not satisfied with business response BBB found that business adequately addressed the disputed issues and made a good faith effort to resolve them; however, customer has informed BBB that he/she is not satisfied with the outcome. In some cases, business may have agreed to mediate or arbitrate the complaint but customer declined to participate in mediation/arbitration. Customer not satisfied with business response; BBB did not find business made good faith effort to resolve complaint BBB did not find that business adequately addressed the disputed issues and made a good faith effort to resolve them, and customer has informed BBB that he/she is not satisfied with the outcome. In some cases, customer may have agreed to mediate or arbitrate the complaint but business declined to participate in mediation/arbitration. BBB did not receive a response from business BBB did not receive a response from business after two attempts to contact business, and BBB communications with customer do not show that business contacted customer to resolve the complaint. BBB cannot process complaint This includes situations where BBB cannot locate business, business is no longer in business, or business is in bankruptcy and complaints must be submitted through bankruptcy trustee.

    BBB Complaint Process

    Your complaint will be forwarded to the company within two business days. The company will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the company’s response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

    BBB reports the complaint response text for all reportable complaints against a business that are received electronically.

    Industry Tips for Travel Agencies & Bureaus

    What is BBB Advertising Review?

    BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

    What government actions does BBB report on?

    BBB reports on known government actions that are relevant to the business’s marketplace dealings with the public.

    About BBB Business Review Content and Services





    28/03/2017

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    International Tours – Kallada Travel House India s No 1 Travel

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    Subscribe now & save upto 50% with our Hottest offers

    Description. Weekend special is a 03nights and 04 days Tour package covering, 02 Night Kovalam 01.

    License Details

    License Terms Summary For full terms please see here. A license allows one application to be run on one domain name (sub-domains not included). Sub-folders are allowed on a single license. For example.

    Architecture overview/Configuration files

    Inside the config folder you will find several .ini and .xml files In order to keep your config files clear and easy to read you should use multiple files. each file found in the application/config/ folder is.

    Creating Custom Blocks

    A block is a dynamic data model. The purpose of a block is to replace the static view model of MVC application by using a model that can be updated.

    Add, edit and delete Comments.

    This section holds all the comments that the users have made on the articles, News articles and other modules, at the client interface. The client comments will not be visible in.

    Introduction with Global Configuration File under Config.

    The entire Application is configurable through two re-usable configuration files stored in application/configs. There are :В  Application.iniВ В – В application.ini contains system specific variables and server locations. It is NOT recommended to modify.

    Setting up privileges and roles as ROOT / Super user.

    Managing Privileges Roles The most secure way to manage privileges for users and roles is to confine use of privilege to commands in a rights profile. The.





    25/03/2017

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    No Threat Found on Both Diverted Flights From U. S. to

    #travel flight deals
    #

    No Threat Found on Both Diverted Flights From U.S. to Paris

    November 18, 2015

    The Associated Press, November 18, 2015

    SALT LAKE CITY (AP) Authorities cleared both Air France flights bound for Paris from the U.S. that were diverted because of anonymous threats phoned in after they had taken off.

    Air France Flight 65 from Los Angeles International Airport to Charles de Gaulle Airport in Paris was diverted to Salt Lake City International Airport Tuesday night, Air France said in a statement. At about the same time a second flight, Air France 55, took off from Dulles International Airport outside Washington and was diverted to Halifax on Canada s East Coast, officials said.

    Passengers got off both planes safely and were taken to terminals.

    American authorities investigated and found no credible threat, according to an FBI statement released late Tuesday night.

    The Royal Canadian Mounted Police said investigators found no evidence of an explosive device after they searched the plane and luggage.

    Air France said in a statement that the flight in Salt Lake City took off for Paris at 12:29 a.m. Wednesday. The flight in Canada was postponed until Wednesday evening and passengers were accommodated in Halifax.

    Keith Rosso of Santa Monica. California. a passenger on the flight from Los Angeles with his fiancee, said everything was smooth, everything was great, everything was going swell for the first two hours of the flight, then things changed.

    The flight attendants quickly came by and cleared plates, then there was an announcement that we were making an emergency landing and that the flight attendants were trained exactly for situations like this, Rosso told The Associated Press by phone from the airport in Salt Lake City.

    He said he looked at the flight monitor at his seat and saw that we had made a pretty sharp right turn we had been almost near Canada toward Salt Lake City.

    Rosso said an FBI agent interviewed the passengers after the landing.

    In Halifax, the Royal Canadian Mounted Police led the investigation.

    RCMP Constable Mark Skinner said there were 262 people onboard that plane, which also received an anonymous threat.

    We received a complaint of a bomb threat and we responded to it, Skinner said.

    Halifax Stanfield International Airport spokesman Peter Spurway said police cleared the plane. He said passengers will go through Canadian customs, pick up their baggage and be put up at hotels overnight.

    The threats came after last week s attacks in Paris that killed 129 people and heightened security concerns around the world.

    ___

    Associated Press Writers Stephanie Siek in New York, Rob Gillies in Toronto and Andrew Dalton and Michelle A. Monroe in Phoenix contributed to this report.

    Copyright (2015) Associated Press. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.

    This article was from The Associated Press and was legally licensed through the NewsCred publisher network.





    09/02/2017

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