Booking Vacations Through an Agent vs. Online Booking #travel.state.gov

#travel agents online
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Booking Vacations Through an Agent vs. Online Booking

When planning a trip, you must choose wheither to hire an agent or book your tickets on your own. (Photo: travel image by Anton Gvozdikov from Fotolia.com )

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In the past, planning a vacation meant calling a travel agent to book your tickets, hotel and activities. In the Internet age, it has become a common practice for travelers to book vacations themselves, as secondary websites tout their affordability. In response, travel agencies stress the service travel agents offer. According to the American Society of Travel Agents (ASTA), the average service fee for booking airline tickets in 2009 was around $20, while the fee for booking a cruise was $50. Yet, the ASTA says many consumers willingly pay for the convenience of not planning a trip on their own. Which method is better for you may be a situation-based judgment call.

Function

In addition to booking your tickets for all aspects of your trip–travel, hotel, meals and excursions–a travel agent is supposed to find the best deals and serve as your advocate if anything goes wrong. Online booking will show you the prices of tickets at the moment, but prices may change daily. Some, but not all, travel websites allow you to create a package by booking hotel, airfare, excursions and car rental together.





23/12/2017

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Travel Agents vs. Do-It-Yourself Online Travel Booking #compare #travel #sites

#online travel agent
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Travel Agents vs. Do-It-Yourself Online Travel Booking

By Lisa Gerstner | May 2012

Travelers find that agents can beat do-it-yourself online deals.

A few years ago, travel agents appeared to be sailing into the sunset as options for booking vacations online flourished. But business has been booming. The American Society of Travel Agents reports that about 75% of its members say revenues, transactions and number of clients rose or remained steady in the first half of 2011 compared with the first half of 2010.

SEE ALSO: Your Guide to Bargain Travel in 2012

The more complex or luxurious the trip, the more useful an agent can be. Agents have an inside track on deals and upgrades, and they can quickly solve problems or change plans while you’re on a trip, says industry consultant Mark Murphy, at Travalliancemedia. In some cases, travel agents don’t charge their clients—for example, an agent who books a cruise may earn a 10% commission from the cruise line. Others impose booking fees—say, $30 for an airline ticket—or require a deposit that they’ll keep if you cancel.





28/11/2017

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Visitor Medical Insurance – Comparison of buying from US vs Indian

#travel insurance usa
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Comparison of Visitors Medical Insurance Coverage from Companies in the U.S. vs India

You can purchase visitors medical insurance from companies based in your home country (such as India) or from companies in the U.S. Generally, the cost of medical insurance from an American company is higher, although it is still the preferred insurance to purchase. As demonstrated in the comparisons below, American insurance has many advantages.

The following table provides a detailed comparison of the various issues involving insurance products available from companies in the U.S. and India. Please keep in mind that this is a generic discussion. There may be exceptions to the offerings of products in both countries (and all the products from a given country do not work the same way). You should review all the details of any insurance plan you are considering before purchasing it (i.e. any brochures, policy wording, comparisons between plans and information from your representative).

Most of the information below regarding Indian companies was taken from the Web sites of various companies, as it existed as of writing this, and it may change in the future in case any of the companies revise their products. The information is also based on our personal experiences in dealing with these companies on a trial basis during previous visits to India, professional experience dealing with many customers on a daily basis, and from reading the discussion forums and experiences section on this Web site. The information is not targeted towards any specific company or product.





15/11/2017

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Schwalbe Marathon Plus Vs Conti Travel Contact #chicago #travel

#conti travels
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Thread: Schwalbe Marathon Plus Vs Conti Travel Contact

Schwalbe Marathon Plus Vs Conti Travel Contact

What’s the verdict comparing these two tough commuter/tourers with 85 PSI max pressure ratings? For mileage and puncture protection on hardcore city commutes and fine gravel cycle paths?

If anyone is running the Conti CONTACT SECURITY tires, how are they performing. as they seem the nearest to the Marathon Plus for thick inner protective shield and tire weight.

I just put a Vittoria Randonneur Cross 700x35c on the back. This is only 70 PSI (which drops to 60) and even if is a marginally cheaper tire with special puncture protection, 70psi just won’t cut it for speed commuting on London roads and very fine abrasive gravel which covers some bitumen cyclepaths.

Worse still, getting it on is impossible without steel levers and the inside circumference is definately short 5mm or so. Such a problem I pinched two tubes fitting it. So there no way you can risk having a flat somewhere and pinch your only spare tube.

I gave the supplier (Wiggle) the batch number of the tire to check quality control at the factory – and they offered to take it back immediately for a refund. Most encouraging. It’s service like this that keeps customers.

So now the toss up is between Marathon Pluis and the Travel Contact. Opinions please

Last edited by Rayxt; 02-23-08 at 12:56 AM.





07/11/2017

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Compare Business Structures – LLC vs #business #structure, #business #structures, #business


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What would you like to talk about?

Welcome back

What would you like to talk about?

Welcome back

What business type is right for you?

When you re starting a new business, you want to determine the business structure that s right for you. What s the difference between a limited liability company (LLC) and a corporation (Inc.)? And how is a C corporation different from an S corporation? Use these charts to help decide what business type is best for your needs.

LLC vs. Corporation

Limited Liability Company (LLC)

Shields personal assets from business liability

Requires separation of business and personal finances

Allowable in all 50 states and the District of Columbia

Highly flexible management structure

Flexible tax reporting options

Preferred by outside investors

Preferred for IPO

Recognized outside of the United States

Corporation (Inc)

Shields personal assets from business liability

Requires separation of business and personal finances

Allowable in all 50 states and the District of Columbia

Highly flexible management structure

Flexible tax reporting options

Preferred by outside investors

Preferred for IPO

Recognized outside of the United States

Start my Corporation

What is an S corporation?

After you create a corporation or LLC. you also have the opportunity to decide how you d like your business to be taxed.

Single owner LLCs can be taxed either as a sole proprietorship or a corporation. LLCs with more than one owner can be taxed either as a partnership or a corporation. Income from LLCs treated as sole proprietorships or partnerships is reported directly on the owner s individual tax returns.

New corporations, as well as LLCs considering corporate taxation can choose between filing taxes as a C corporation ( C corp ) or an S corporation ( S corp ). An S corp is considered a pass-through entity, which means the business itself isn t taxed. Instead, income is reported on the owners personal tax returns. Businesses taxed as C corporations are not pass through entities. Income is taxed at the corporate level, and, if dividends are distributed, at the individual level as well.

We can help you understand your options so you choose what s best for your business. Talk to one of our network of attorneys today.

C-corp or S-corp

Here s a comparison of some key characteristics of businesses that choose to be treated as C corps and S corps.

C Designation

Owners pay personal income tax on profits

Business must pay corporate income tax

All business income/loss is passed through to owners each year.

No more than 100 shareholders

Shareholders must be U.S. citizens or resident aliens

S Designation

Owners pay personal income tax on profits

Business must pay corporate income tax

All business income/loss is passed through to owners each year.

No more than 100 shareholders

Shareholders must be U.S. citizens or resident aliens

You don t have to decide about S corp status right away. You have 75 days after the formation of your business to file with the IRS. If you re still not sure what to do, you may want to consult with one of our attorneys or tax specialists .

Step-by-Step Guide on Starting Your Business

Easy as 1-2-3

Ask away. We have answers.


09/10/2017

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Code School – Try R #vs #code #analysis


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Try R is Sponsored By:

  • Created By:

  • R is a tool for statistics and data modeling. The R programming language is elegant, versatile, and has a highly expressive syntax designed around working with data. R is more than that, though it also includes extremely powerful graphics capabilities. If you want to easily manipulate your data and present it in compelling ways, R is the tool for you.

    Table of Contents

    1. R Syntax: A gentle introduction to R expressions, variables, and functions
    2. Vectors: Grouping values into vectors, then doing arithmetic and graphs with them
    3. Matrices: Creating and graphing two-dimensional data sets
    4. Summary Statistics: Calculating and plotting some basic statistics: mean, median, and standard deviation
    5. Factors: Creating and plotting categorized data
    6. Data Frames: Organizing values into data frames, loading frames from files and merging them
    7. Working With Real-World Data: Testing for correlation between data sets, linear models and installing additional packages

    Chapter Badges


    29/09/2017

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    Does Pex tubing have any advantages over copper? Home Improvement Stack


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    The spool is not bad if you plan a bit ahead and lay out your run in the sun for a hour ahead of time. Helps take the curl out. I also like the red and blue option on the tube, easy to ID hot/cold in future. Been used a lot in mobiles for years. Can be easier to fish through old walls that are not open. spicetraders Oct 6 ’16 at 16:45

    Another advantage to PEX if you’re doing a from-scratch installation is that it’s typically installed using a manifold at the water source with a run to each faucet. That approach significantly reduces pressure loss at one faucet when another faucet on the same branch is turned on, as often happens with copper plumbing.

    You could do the same thing with copper, of course, but it would be prohibitively expensive in time and materials.

    A huge disadvantage with PEX is that it is semi-transparent. If your water supply has nutrients in it and the PEX is installed so that light will get to it, you will find that algae (green), bacteria (black, orange or yellow) will grow inside it. It sloughs off in long, stringy goop similar to the biofilm that grows in diesel tanks that haven’t been treated to prevent bacteria growth. Keep it well hidden in walls and away from crawlspace vents where sunlight can penetrate.

    Keep squirrels away from it, they find it delectable.

    Also another advantage listed is that there’s no lead. That’s true insofar as you stay away from the type that requires brass fittings.

    Otherwise, you have a highly flexible, smooth bore water supply system that will allow for using smaller tubing, which can speed up hot water temperature delivery. It’s cheap enough that you can do end-run (star) delivery to a central control manifold, typically each run will only have two joints, one at the manifold and one at the the coupling to the shutoff valve. You also don’t have a problem with meth addicted copper thieves coming and stripping your house plumbing out if you leave it unattended (summer cottages, another reason iron ain’t so bad).

    answered Jan 2 ’13 at 7:01

    I know PEX is cheaper (specially considering the rising price of copper), easier to run and less noisy than copper but you have to buy a special crimping tool for the fittings (don’t know how expensive the tool is). My only fear would be long term effects depending on water type. For instance I have very hard water (very high calcium content; I should NEVER have to worry about osteoporosis) and I wonder what will happen 10, 15, 20 years down the road to the PEX pipe based on the minerals in the water.

    I’m also not sure if there are any long term health effects from having water run over PVC. Not sure what kind of chemicals leach into the water over time. I’m 99.99% sure it’s safe though.

    answered Jul 22 ’10 at 13:05

    Get a pinch clamp tool, like this one. and a pipe cutter. Those are the tools you’ll need. One tool works for all size pinch clamps.

    • Copper has antimicrobial properties.
    • Copper will oxidate and leak under certain water and electrical conditions.
    • Copper that is not completely dry and clean cannot be soldered.
    • Pex can be fixed underwater and covered in poo.
    • Out of the 1000s of pinchclamps I’ve installed, not one has leaked.
    • Pex fittings can be easily undone and reused, just heat the pipe slightly.
    • Out of the 10 sharkbite fittings I’ve installed, one leaked.

    If you have to use a slip on style fitting, smear the outside of the pipe with plumbers grease.

    answered Sep 26 ’14 at 1:53

    Tester101
    105k 46 208 422

    PEX tubing has much much better freeze burst resistance properties than copper. Its very important especially for people who lives in cold climate areas.

    answered Nov 18 ’15 at 21:03

    There is a notable potential downside with PEX (and I’m saying this as someone who’s chosen it for his own house).

    PEX has the lowest strength of the three most common materials. If I recall my numbers correctly, copper will burst at something over 5,000 PSI. CPVC at around 3,000, and PEX at around 1,200.

    Of course, if you get 1,200 PSI in your system to begin with, you’ve got bigger problems. But still.

    answered Jan 3 ’13 at 18:01

    Since you ll often have at least one valve that fails around 100psi (running toilet or dripping sink), and the TPR valve on the hot water tank will give out at 150psi, it would take some extraordinary circumstances to get the home water pressure up to 1,200psi. So like you say, if that happens, you ve got bigger problems. BMitch Sep 26 ’14 at 2:10

    Here in upstate NY (it’s -12 tonight which I will admit is unusually low) the risk of copper is freezing and bursting. That happened to me many times until I discovered Pex, which will expand several times its size without breaking and then return to its normal size. (Hmm, what does that bring to mind. But I digress.) Pex is so easy to work with and so much cheaper than copper, I don’t know why you would not choose it. BTW, I have taken other measures to prevent freezing — our hot water heating system is still copper but we have put in antifreeze, which works well. But, of course, you can’t do that with domestic and live to see Superbowl 51. Use Pex.

    answered Feb 14 ’16 at 4:56


    28/09/2017

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    Scottrade Review – Discount Broker For Every Investor #scottrade #vs #tradeking


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    Scottrade Review Discount Broker For Every Investor

    AT A GLANCE

    Scottrade

    With so many online brokers out there, finding the right one to meet all of your investing needs can feel like you re looking for a needle in a haystack. The best way to find the right broker is by comparing their services and determining if they fit your financial goals. Today, I want to take a look at one of the leading online discount brokers in the country, Scottrade. Scottrade is one of the first discount brokers I used when I began my investing career and I ve had a great experience with the product.

    You have probably heard about Scottrade from a friend, family or relative but you may still be unsure about what Scottrade is all about. Scottrade was started in 1980 by Rodger Riney with two branch offices in Missouri and Arizona. Scottrade has grown to become one of the leading online discount brokerage houses in the United States. Scottrade is well-known for its $7 unlimited trades. Today, Scottrade has the largest branch office network of any online broker and has been rated by Fortune magazine as one of the top 100 companies to work for in the United States. Let s take an in-depth look at Scottrade.

    How Scottrade Works

    It only takes 10 minutes to open a Scottrade account. You will need your name, address, social security number, date of birth, and employment information.

    1. Open your Scottrade account .
    2. Completely fill out the account application.
    3. Fund your account via ACH, check, account transfer or wire transfer.
    4. Build your account portfolio.
    5. Print, sign, and mail the account agreement.

    Key Features

    Scottrade Trading Platforms: The Scottrade website is simple, straightforward, and very easy to use. Trades can be executed from your computer or phone for just $7. Scottrade also offers broker assisted trades where you can speak to a personal stock broker. You can ask questions and execute orders by phone. Broker assisted trades cost $27. Scottrade offers automated touch tone trading for $17.

    ScottradeELITE: ScottradeELITE is for advanced traders that fund their account with a minimum of $25,000. ScottradeELITE offers a customizable advanced trading platform. You get more trading screens, trade ideas, charts, and trade tools.

    Scottrade Streaming Quotes: Many brokers are charged a fee for real-time quotes. Real time quotes are free on Scottrade. Streaming quotes make it easy for you to keep up with stock performance and general market movement. The streaming quotes feature includes live news updates and customizable lists.

    Scottrade OptionsFirst: Options traders can place contract orders for $7 per trade plus $1.25 for each option contract.

    Advantages of Scottrade

    Low Minimum Opening Deposit
    The minimum opening deposit for a Scottrade account is $2,500. However, TD Ameritrade requires $2,000 and E*TRADE requires $1,000 in order to open a new account.

    Low Fees
    This is one of Scottrade s major selling points. Scottrade has some of the lowest fees of any major online broker. Scottrade charges just $7 per trade, which is cheaper than E*TRADE, TD Ameritrade, and Charles Schwab. This applies to both market and limit trades. Scottrade charges no account maintenance fees or inactivity fees. Whether you make 1 trade or 100, there are never any account fees. If you have ever closed an account at a brokerage firm, then you will appreciate Scottrade s $0 account closing fees. Most firms charge $50 to $100 to close an account.

    Customer Service
    Scottrade has 455 branch offices nationwide designed to assist clients. Email and telephone response times are excellent. Scottrade is considered by many to offer the best customer service of the major brokers. In 2008, J.D. Power Associates ranked Scottrade as #1 in investor satisfaction among online brokers. This is the eighth time that Scottrade has won this honor since 2000.

    Lots of investment options
    Scottrade offers a wide range of investment products including stocks, bonds, mutual funds, exchange traded funds, certificates of deposits, options, education savings accounts, and retirement accounts. Scottrade has over 2,800 mutual fund options. Fidelity offers 1,400 different mutual funds, TD Ameritrade 1,200, and E*TRADE just 1,000.

    Trading Tools Research
    The Scottrade Knowledge Center has educational tools that explain the benefits of different asset classes. The Market Info Market Research Section provides stock specific information and detailed analysis. Scottrade s mobile platform makes trading on-the-go a snap. The average execution speed for a trade is 4/10 of a second.

    Disadvantages of Scottrade

    No dividend reinvestment plan
    Scottrade s biggest disadvantage is that the online broker offers no dividend reinvestment plan. A dividend reinvestment plan is a low-cost way of buying additional shares. If you want to reinvest your earnings at Scottrade, then you have to pay the $7 fee. That is $28 a year for those that reinvest each quarter.

    Final Thoughts

    Scottrade was one of the first discount brokers that I used when I started investing. I found the discounted trading fees very attractive. Too many brokers charge fees for not trading often enough or closing your account, but not Scottrade. The low-cost trading, local customer support, and the plethora of investing options are all positives in my book. The only negative thing about Scottrade is the lack of a dividend reinvestment plan. I m a big fan of Scottrade, and I think it s a great option for beginning and experienced investors alike.

    Related


    21/09/2017

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    Corporate e-mail in the cloud: Google vs #gmail #vs #hosted #exchange


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    Corporate e-mail in the cloud: Google vs. Microsoft

    E-mail is the third rail of enterprise IT operations. You can mess up elsewhere, but bring down people’s e-mail and you’ll start getting irate calls literally in seconds.

    Manesh Patel knows those risks well, but that didn’t stop the senior vice president and CIO at Sanmina-SCI Corp. from stepping off the Microsoft Outlook/Exchange platform and moving the company’s 16,000 users into Google ‘s cloud — thereby running the risk of interrupting users’ e-mail, even if just temporarily, in the process. The cost savings were simply too good to pass up.

    Two years ago, the San Jose-based contract manufacturer relied on stable, up-to-date versions of Microsoft Corp.’s Outlook and Exchange Server to handle its e-mail needs. Then, after a lengthy analysis and pilot, Sanmina-SCI shut down its 100 Exchange servers, traded Outlook for a browser as the primary e-mail client and migrated all of its e-mail users worldwide onto Google Apps for Business suite. This cloud-based service now delivers Google Inc.’s Gmail e-mail offering, plus calendaring and contact management services to Sanmina-SCI’s workers.

    Side-by-side comparison

    Exchange Online Standard vs.

    Google Apps for Business

    Microsoft Exchange Online Standard

    Pricing: $5 per seat per month ($60 per year); $2 per user per month for Exchange Online Deskless Workers .

    Components: E-mail, contacts, calendar and instant messaging. SharePoint, Office Live and Office Online are available as extra costs as part of Microsoft’s Business Productivity Online Standard Suite.

    Maximum users supported: 30,000; larger deployments must be approved by Microsoft engineers.

    Product update cycle: Every 45 days.

    Mailbox size: 25GB (maximum without having to pay more)

    Compatibility with Outlook client: Full

    Google Apps for Business Premier Edition

    Pricing: $4.17 per seat per month ($50 per year).

    Components: Gmail for Business, Google Docs, Calendar, Groups, Sites and Video, and chat and instant messaging tools.

    Maximum seats supported: No limit

    Product update cycle: Continuous

    Mailbox size: 25GB (maximum without having to pay more)

    Compatibility with Outlook Client: Limited

    Guaranteed uptime: 99.9% ; Google claims it averages less than 15 minutes of downtime per month.

    The company completed the project last December.

    Why fix something that wasn’t broken? “A lot of people thought I was crazy,” Patel admits, but the operational cost savings were just too big to ignore. By moving from an on-premises Exchange architecture to Google Apps for Business Premier Edition, Patel cut costs by more than $1.9 million a year.

    Now that its suite of tools has established a foothold among consumers, educational institutions and small businesses, Google is focusing on large businesses — and it’s targeting Exchange users in particular. Google claims to have 2 million business user accounts. There’s no data available on how many of those customers, if any, switched to Google Apps from Exchange, but the general belief is that most probably are small and midsize business users who may not have come from an Exchange environment.

    To attract even larger business accounts, Google has received SAS 70 Type II certification and now offers — either directly or through partners — a range of enterprise-friendly options, including tools for automating Exchange migration. integration with LDAP and Active Directory, and add-ons such as support for BlackBerry users and Postini services for content filtering and message archiving.

    Continuing coverage

    Another feature, one recently incorporated from the company’s testing lab, allows for delegation, where an executive can give an administrator control over his messages, much like Exchange already offers.

    Computerworld’s IT Salary Survey 2017 results


    20/09/2017

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    Stone Finishes, About Stone finishes, types of stone finishes, Natural Cleft


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    Stone Finishes

    What are different kinds/types of stone finishes?

    Natural Cleft Unique to slate & sandstones, it has a slightly uneven surface that is still usable for flooring. This finish cannot be created, but occurs naturally as the layers are quarried. One side (back side) can be gauged to facilitate ease of “thin set” installation. Some marbles, granites and limestones are available with heavy clefting, suitable for wall installations or paving purposes only.

    Honed vs polished granite

    Grinding, sanding, and buffing produces a high gloss, mirror-like surface. Polishing can be done only on crystallized stones. A polished finish doesn’t affect the porosity of the stone. A polished finish is quite popular as it enhances the color and markings of the material. A stone with a polished finish is very smooth and reflective. This type of finish is used in reception areas, where marble, granite and some harder limestones are laid. The most popular uses of polished stone are in; interior and exterior wall cladding, Interior and exterior paving, Fireplace facing and hearth, Lavatory tops, Residential & Commercial counter tops, Table Tops etc. A high gloss and reflective surface finish that brings out the colors in the stone. The polishing of natural stone follows the same process as honing using finer abrasives. The degree of polish of the natural stone is determined by its mineral elements and texture and not all natural stones can be polished. Usually recommended for wall covering, polished stones are not usually recommended as stone flooring due to their low slip resistance value.

    Honed vs polished granite

    Grinding and sanding produces a smooth, yet not glossy finish. This is best for low maintenance, high traffic applications. Honed finishes unlike polished finishes are not reflective. The honed finish is a satin smooth surface with little light reflection.

    Honed vs polished granite

    A flamed finish is one of the most popular finishes for external use where slip resistance is a concern. It is produced by applying a high-temperature flame to the surface of the stone which creates thermal shock and causes the inherent crystals to fracture, resulting in deeply textured surface ideal for external surfaces. This finish is mainly used on granites, and will hide surface imperfections and tone variations. In stone with yellow shading such as Honey Jasper it oxidizes the iron components and enriches the yellow to making it pale orange/pink, this create a rich, dramatic effect in originally quiet colors.

    Honed vs polished granite

    This is a rough, but tidy look created by applying a high pressure blast of sand to the stone’s surface. A sandblasted finish creates a finely textured surface ideal for use in traffic-ways. Applying a high-pressure jet of water mixed with sand, this treatment softens the color and characteristics of the original stone.

    Honed vs polished granite

    Available only in some varieties of marble & granite, this finish gives the stone a suede look and feel. This texture is smooth and slip-resistant.

    Honed vs polished granite

    Mainly used for cladding, this is achieved by splitting stone either by hand or by machine so that the surface exhibits a natural quarry texture. It has a flat back and uneven front surface, and creates the uneven look of protruding bricks. The surface evenness varies with the stone and not all stones can be obtained in split face finish.

    Honed vs polished granite

    Any stone used as a decorative facing material as wall cladding which is not meant to be load-bearing. Veneer may be made from different finishes, such as split face, cleft, honed, polished, flamed or tumbled.

    Honed vs polished granite

    This stone is tumbled with sand, pebbles etc to create a weathered, aged finish. An antique finish gives stone an aged appearance by replicating use and wear. Tumbling & at times acid wash is applied to surface of the stone which etches the surface of the stone. This generally dulls the color of the stone. The surface is then be brushed with mechanical wire bush to make the stone smooth and slightly restore the color.

    Honed vs polished granite

    A natural stone finish achieved by the application of a hydraulic bush hammer to the surface. The appearance of the bush hammered finish is industrial with a large number of close and small indents. A bush-hammered finished is created with a purpose-built high impact pitting device to engineer an evenly textured surface. The even grazing creates a non-slip surface ideal for high traffic external areas. This finish also lightens the color and dulls any patterning found in a stone’s natural state.

    Honed vs polished granite

    Tumbling stones in a solution of sand, water and mild acid creates an old world, weathered look. The process of hand honing and then tumbling the natural stone giving a worn look with a natural patina from day one.

    Honed vs polished granite

    This is achieved by cutting quarried marble or stone parallel to the natural bedding plane. Saw cut finish has acquired its name owing to the saw cuts that are made on the surface of stone. When the stones are broken free of the cut layer they are shaped to uniform size. Saw Cut finish offers complimentary accent to other types of stone work. It is generally used for walls, gate entries, patios, landscape design applications etc.

    Honed vs polished granite

    Stone is cleft out of blocks to form tiles. When it is cleft by machine or saw, it is gauged because a uniform thickness is formed. Ungauged stone is hand-cleft and its thickness may vary depending upon specific requirement of the customer.

    Honed vs polished granite

    The appearance of this type of natural stone finish can be likened to a linen texture with the fine grooves positioned closely together and parallel to the edges.

    Honed vs polished granite

    * Each stone, and therefore each floor, is unique in character, and variation must be expected. All tile sizes and thickness are an approximatation only and all tiles will vary in colour, tone, marking and texture from those shown in the website/brochure or from samples received.

    Honed vs polished granite

    Honed vs polished granite


    18/09/2017

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    A Quick Comparison of Cloud hosting and Traditional Hosting #vps #vs


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    Cloud Hosting is a very reliable, easily scalable and affordable hosting solution that differs from the traditional hosting solutions in several aspects. Here is a short comparison that will make the differentiation more clear for you.

    Cloud vs. Shared Hosting

    Shared hosting is the most popular hosting solution that can suit even the most tight budget. But using a shared hosting solution also means that the user has to share the server resources with other users. If your website is hosted on a shared hosting server, all your data and the application you are using, will be hosted with the applications of all other users on one and the same server. Your website will share the same server resources as all other websites on the server such as CPU, Memory, disc space, bandwidth etc. The servers running shared hosting accounts are almost always fully loaded. If one website overloads the server, all users will suffer from low speed or downtime.

    On the cloud your website is hosted not only on one but on several servers connected to work as one. You don t depend on only one machine even if one machine is broken, the others will backup its data and processes and no downtime will appear.

    Cloud vs. VPS Hosting

    The virtual private server, called VPS, is a hosting solution that also uses virtualization technology just like Cloud hosting does. The VPS allows multiple servers to function as one physical server for a higher utilization of the available resources. It is also known as Dedicated virtualization or Private Cloud. Unfortunately the VPS servers are less efficient since they allocate a guaranteed amount of resources to each client that can never be rerouted to others. This means that one client could have multiple free resources, while another is overloaded.

    Cloud vs. Grid Hosting

    Grid hosting has emerged before Cloud hosting. It combines the resources of several physical machines into one computing Grid. On Grid based servers the Webmasters can easily increase the physical resources if necessary.

    In Grid hosting computers are also coupled as in Cloud hosting. The difference is, that all machines process different parts of a larger task.

    Cloud vs. Dedicated Hosting

    Dedicated Servers are combined with managed hosting services. The web hosting provider leases out the full control to the client. But he still owns the machines and has to monitor the performance of the server ensuring the uninterrupted work flow of the server. This service also includes technical support, backup services, installation of security patches etc. and thus are more expensive than Cloud hosting.

    Another difference between the two hosting solutions, is that the resources of a dedicated server are usually used below 60%, so it never runs at full capacity. A fully loaded cloud can save a lot of electricity and money since it can replace 5 times of the dedicated servers.


    08/09/2017

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    New and Used Volkswagen Jetta (VW): Prices, Photos, Reviews, Specs –


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    Volkswagen Jetta Research

    The Volkswagen Jetta is a compact sedan that has been sold in the U.S. market since the 1980s. In other parts of the world, it’s been dubbed the Bora.

    In the past, the Jetta lineup has also included a two-door and a wagon. After a hiatus in 2015, the wagon, dubbed “SportWagen,” was brought under the Golf nameplate for the 2016 model year.

    With the Jetta, VW has a rival for vehicles such as the Ford Focus, Chevy Cruze, Toyota Corolla, and Subaru Impreza.

    To better compete, Volkswagen’s current Jetta was developed specifically for the American market where it sells best. The Jetta brings firm handling and turbocharged engines to a crowded field where it competes for attention.

    For 2017, the Jetta Hybrid is dropped and the rest of the lineup sees a lot of trim changes.

    The new Volkswagen Jetta

    For 2011, Volkswagen replaced the Jetta sedan it had sold since 2006 with a new sixth-generation design—but carried over the smaller German-built SportWagen through the 2014 model year. The new Jetta sedan was lengthened for U.S. customers who demanded greater rear-seat space, and the underpowered base 2.0-liter inline-4 made a return. So did the torsion-beam rear axle from the 1980s and 1990s, letting VW offer a significantly cheaper base price on the simplest Jetta model—a car that very, very few buyers took home.

    The current generation of Jetta initially drew criticism for its hard-plastic interior and the painfully slow performance delivered by the base engine, though the GLI model that returned to the fold in 2012 solved both of those problems with its punchy 200-hp turbo-4 and a soft-plastic dash cap (for considerably more money). The nicer plastics and an independent suspension returned to most Jettas by the 2013 model year.

    For 2013, VW added a new model, the Jetta Hybrid, which brought a fifth engine (a 1.4-liter inline-4), a fourth transmission, and a new high-end model into the range. Its buyer research indicated that diesel buyers and hybrid shoppers were entirely different sets of people, who proved remarkably resistant to the idea of cross-shopping the other car. The Jetta Hybrid sedan returned an EPA combined gas-mileage rating around 45 mpg, just 10 percent shy of the Toyota Prius—and it’s considerably more fun to drive.

    The sporty Jetta GLI model is fitted with a turbocharged 2.0-liter 4-cylinder engine that puts out 210 hp, along with the DSG plus a sportier suspension and upgrades to the tires, wheels, and interior trim. No Jetta has been offered with all-wheel drive—it’s strictly a front-drive compact sedan.

    For 2015, the Jetta received another round of updates, including a new TDI turbodiesel engine with even higher fuel economy and a slight power boost. The car’s revised front end is cleaner, and LED daytime running lights were available. Inside, the Jetta got a new steering wheel design, plus reorganized climate and audio controls. Most of the “two-point-slow” models were dropped and a 1.8-liter turbo-4 took its place.

    The last turbodiesel engine had an EPA estimated highway rating of 45 mpg, which nearly closes the gap between diesel- and hybrid-powertrain Jetta models. It’s also 3 miles per gallon better than the prior TDI version on the EPA’s highway cycle.

    In 2015, Volkswagen admitted diesel engines in this model illegally cheated federal tests and polluted beyond allowable limits. As part of unprecedented settlements with federal and state governments, Volkswagen agreed to buyback from owners diesel-equipped models of this vehicle. To determine eligibility for all affected Volkswagen, Porsche, and Audi models, Volkswagen set up VWDieselInfo.com for owners. (Owners of affected vehicles can enter their VIN numbers to see if their cars are eligible for buyback. )

    Safety was a big focus of the mid-cycle refresh. Because of ever-evolving crash-test procedures, cars like the Jetta are receiving structural reinforcements to improve their standing. Those updates have already earned the 2015 Jetta the coveted Top Safety Pick+ award from the IIHS as well as five stars overall from the NHTSA. The 2015 model also receives some new safety options, such as blind-spot monitoring, a forward-collision warning system, and adaptive headlights that aim where you’re steering.

    For the 2016 model year, the Jetta finally lost its base 2.0-liter 4-cylinder, in favor of a stronger and completely modern 1.4-liter turbocharged 4-cylinder. Power is up from 115 to 150 horsepower, and the new engine was used for most models. The 1.4T engine comes with six trim levels spanning S. SE, and SEL. There’s also a 1.8T Sport model, a Jetta GLI 2.0T high-end performance version, and the Jetta Hybrid as well.

    In 2017, the slow-selling hybrid was dumped and the model line streamlined.

    For 20 years now, the Volkswagen Jetta has offered a classic sedan design and sporty German road manners and driving feel. These days, about the oldest models on used-car lots will be the third-generation cars that were launched in 1993. Smaller than today’s Jetta sedan, they performed well and were a step up in refinement from earlier generations. The base engine (which amazingly is still in use today) was a 115-hp, 2.0-liter four, but engines ranged all the way up to a 174-hp, 2.8-liter narrow-angle V-6 in the special VR6 models, which provided 0-60 mph times of less than 7 seconds and authentic sport-sedan credentials.

    The fourth-generation Jetta, which appeared in 1999, shared underpinnings with both the Golf and the newly-launched New Beetle. A new 1.8T engine, the 1.8-liter turbo-4—originally rated at 150 hp, later upgraded to 180 hp—was more fun to drive than the base 2.0-liter inline-4 and got better real-world gas mileage to boot. The VR6 engine remained on the books, with power increased to 200 hp, but the 1.8T was a better bet, cheaper, less complex, and more popular. The 1999 car and its descendants were the first ones that really cemented the Jetta’s reputation for first-class interior materials that outshone any other compact car. Some models of the fourth-generation Jetta suffer from reliability problems, though, so do your research carefully.

    The fifth-generation Jetta arrived for 2006, a larger car overall with staid styling that was a German hallmark at the time. The cabin was again a home for high-quality craftsmanship and materials, and the size increase also allowed for a real adult-sized rear seat. A 150-hp, 2.5-liter 5-cylinder became the base engine, providing more output but making little impact on performance or fuel economy, partly because it weighed more than the 2.0-liter. The inline-5 was helped by the 6-speed auto, with a comfortable freeway cruising attitude. Other changes to this generation also improved ride quality and overall refinement.

    Jetta wagons were offered in the fourth generation—from 2001 through 2005—and then re-introduced for 2009 onward. The wagon was a big seller when fitted with the TDI turbodiesel, which delivered a combined EPA fuel-efficiency rating above 30 mpg—owners often found that real-world mileage was considerably higher .

    The TDI was also available on the Jetta sedan as one of several engine options. Through 2006, the TDI was a 1.9-liter unit, and then it went on hiatus until 2009, when a new, 140-hp 2.0-liter TDI diesel returned to the lineup in both body styles. Its transmissions included a 6-speed manual and VW’s superb 6-speed automated manual transmission.

    of New Vehicles for Sale

    With this being the 1.4l engine this car has a lot of pep. The standard transmission is smooth and almost impossible to stall. The base model does not feel like you are in a base model car. It has lots of. With this being the 1.4l engine this car has a lot of pep. The standard transmission is smooth and almost impossible to stall. The base model does not feel like you are in a base model car. It has lots of technology with a very updated dash. This space in this car is unbelievable. the trunk is incredible huge with a Velcro bottom that allows you to anchor your luggage down. + More

    people found this helpful.

    Was this review helpful to you? Yes

    2015 Volkswagen Jetta Base

    stick transmission still geared to tight 1 gear still the same shift to soon..

  • Comfort and Quality
  • Fuel Economy / MPG
  • Brakes as not as good as i would like,1st gear still the same must shift to soon but still like the car

    people found this helpful.

    Was this review helpful to you? Yes


    07/09/2017

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    David vs two Goliaths #flights #and #hotel

    #online travel agents
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    TripAdvisor could challenge the big two providers of online travel services

    Service poor, view disappointing

    “BREAKFAST is nasty, the rooms are nasty.” So complained a reviewer of an Oregon guesthouse earlier this year. There is nothing unusual in that: all hotels must deal with the odd disgruntled guest. This critique, though, appeared on TripAdvisor, a travel-review website. When the correspondent went on to document drunken housekeepers and licentious receptionists, the owners sued him. It was more than a point of pride. What customers say on TripAdvisor can make or break hotels. Around 260m people visit the site each month to read some of the 125m reviews.

    The firm makes money by displaying prices from online travel-agents (OTAs) alongside its reviews, and then charging those agents each time a customer clicks through. It is such a good example of a network effect that it is the subject of a Harvard Business School (HBS) case study. The more users post reviews, the more useful the site is to those about to book a holiday. This makes it more important to hotels and travel agents, who offer better deals. This results in more traffic—and more reviews—closing the virtuous circle. Last year TripAdvisor reported revenue of $944.7m. Because users post reviews free of charge, in 2012, Jeffrey Bussgang, an HBS lecturer, calculated that its gross margin was an astounding 98%.

    In this section

    For these reasons, some think TripAdvisor may be able to take on the “big two” OTAs, Expedia (from which TripAdvisor was spun off in 2011) and Priceline, which on August 6th bought up to 10% of Ctrip, a large travel website in China. These firms sell flights and hotel rooms directly, rather than pass booking requests on to others, as TripAdvisor does. But, says Blake Harper of Wunderlich Securities, a stockbroker, the two ways of doing business are converging. Sites owned by the big two, such as Hotels.com and Booking.com, now encourage user reviews. At the same time, TripAdvisor has launched Instant Booking, which lets smartphone users complete their bookings without leaving the TripAdvisor site (although the transaction itself will still be with an OTA or a hotel).

    Instant Booking serves another purpose. Half of TripAdvisor’s traffic comes through mobile devices. Being able to book in a single place will make its app slicker. Moreover, smartphones are creating firms which cater to travellers when they arrive at their destination—and TripAdvisor is getting into that business. In May it paid a reported $140m for La Fourchette, an online restaurant-booking service. On 24th July it said it was paying $200m for Viator, a firm that sells guided tours and other touristy activities.

    TripAdvisor’s boss, Stephen Kaufer, denies he wants to take on the big two. “We are a media site,” he says. “I want Expedia and Priceline to thrive because they are my clients.” But soon, holidaymakers will be able to book their entire trips without leaving the TripAdvisor app. Rivals beware.





    05/09/2017

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

    #online travel agent
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    Booking with a Travel Agent vs. Booking Online Which is Better?

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

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

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

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

    Is it really as convenient as we think?

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

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

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

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

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

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

    Customer Service Pro for the Travel Agent Con for Booking Online

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

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

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

    The Lowest Prices are Guaranteed Online? Or Are They?

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

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

    The Bottom Line Travel Buyers Beware

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





    01/09/2017

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    2016 Honda Accord LX vs 2016 Honda Accord Sport #honda #accord


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    2016 Honda Accord Sedan LX vs 2016 Honda Accord Sedan Sport

    Is the 2016 Honda Accord LX or 2016 Honda Accord Sport right for you?

    While the 2016 Honda Accord Sport has some flashy features not present on the 2016 Accord LX, both cars also share many specs. The Most important of these is probably the cars’ fuel economy ratings. Both vehicles receive an estimated 23 mpg city/34 mpg highway with the standard 6-Speed Manual Transmission. However, these numbers go up with the addition of the Continuously Variable Transmission (CVT). The Accord LX improves to 27 mpg city/37 mpg highway and the Accord Sport gets 26 mpg city/35 mpg highway.

    The 2016 Accord LX includes a multi-angle rearview camera with guidelines. This safety feature is often doesn’t come standard with base models. T he Accord LX is, however, not your typical sedan. It’s understandable i f you re having a hard time choosing between these two vehicles. Ultimately, the decision should come down to how much you value the exterior appearance of your car. If you want a vehicle with a bit of extra pizzazz, upgrading to the 2016 Accord Sport is certainly worthwhile. Most of the variation between the 2016 Accord LX and Accord Sport is app earance -based, besides the upgraded power driver’s seat and 60/40 folding rear seat. If you want to see the 2016 Honda Accord LX vs 2016 Honda Accord Sport up close, come to Continental Motors Group, where both models are in the current inventory.

    All pricing and details are believed to be accurate, but we do not warrant or guarantee such accuracy. The prices shown above, may vary from region to region, as will incentives, and are subject to change. Vehicle information is based off standard equipment and may vary from vehicle to vehicle. Call or email for complete vehicle specific information.
    *Based on 2014 EPA mileage ratings. Use for comparison purposes only. Your mileage will vary depending on how you drive and maintain your vehicle, battery pack age, conditions and other factors.


    29/08/2017

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


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    Difference Between PhD and Doctorate

    PhD vs Doctorate

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

    What is a Doctorate?

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

    What is a PhD?

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

    What is the difference between Doctorate and PhD?

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

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

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

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

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

    Comments

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

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

    Zuzzette Bricker says

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


    27/08/2017

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    Ethanol: Pros ?>

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    Pros

    Positive Net Energy Balance – Corn-based ethanol has a positive net energy balance of 1.06btu per gallon for 1.00btu of energy used without ethanol by-product credits. With these credits, for things such as DDGS, corn-based ethanol has a positive net energy balance of 1.67btu per gallon for 1.00btu of energy used.

    Biodegradable – As ethanol is made with organic materials it is highly biodegradable making spills far less worrysome than petroleum spills. When spilled, 74% of ethanol is broken down within 5 days.

    Usable By-Products – The two chief by-products of corn-based ethanol are CO2 and DDGS, both of which are usable in other industries. The CO2 can be captured for use in the food and beverage industry. DDGS can be used for cattle feed or further crushed to extract corn oil, for food or biodiesel production uses.

    Most Infrastructure In-place – There are few changes that would need to be made to widely adopt ethanol. Most automobiles available in the U.S. are Flex Fuel capable and there are roughly 2,000 stations already serving E85. While most of these stations are lumped in the Midwest, they are increasing nationwide.

    Cons

    Food vs. Fuel – 2.4 to 2.8 gallons of ethanol can be produced per bushel of corn. As a result, there has been massive media coverage over the use of food as fuel. While there are mountains of findings showing how the use of corn has increased food costs and equal amounts showing it does not, in the end food crops are being used as fuel, making corn-based ethanol inferior to cellulosic ethanol in this regard.

    Reduced MPG – Based on 2009 flex fuel vehicles, E85 miles per gallon is expected to be roughly 28.5% lower in the city and 26.5% lower on the highway. This means it takes 1.35 to 1.40 gallons of E85 to equal the mileage of 1.00 gallons of gasoline.

    Fuel Transportation – Ethanol absorbs water and is corrosive. which make it difficult to ship through existing pipelines from the Midwest of the U.S. where most production occurs. Remedies include shipping or building dedicated ethanol pipelines, however the most likely scenario seems to involve rail or road transport. The best scenario would be local ethanol plants, with the easiest way to accomplish this through continued development of cellulosic ethanol, where feedstocks are abundant everywhere as opposed to corn or sugar.

    Water Absorbtion – Ethanol absorbs water, which can contaminate it as a fuel and makes it more difficult to ship through pipelines. As a result, ethanol has a shorter shelf and tank life than gasoline.

    Fueling Locations – There are roughly 2,000 E85 fueling stations in the U.S. with the majority in Illinois, Indiana, Iowa, Minnesota and Wisconsin. A U.S. E85 fueling station map and locator can be found here.


    25/08/2017

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    CRM Solution Comparison #crm #in #business, #crm #in #marketing, #crm #for


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    Written By: Cliff Ford on November 17, 2013 No Comment

    STEP ONE in any CRM Evaluation is to gather a checklist of CRM Requirements If you aren t careful, the process of gathering requirements becomes tactical and not strategic. Obviously every feature costs money. So it pays off to initially determine what you are trying to accomplish as a business. CRM is not just Sales and [. ]

    Written By: Cliff Ford on October 16, 2013 800 Comments

    STEP TWO of every CRM Evaluation is to select the right CRM implementation partner. We won t bore you with the obvious details of due diligence. Instead, we offer a few tricks of the trade that will hopefully divide the sheep from the goats. CRM Due Diligence within your CRM Implementation First, check out the [. ]

    Written By: Cliff Ford on September 15, 2013 700 Comments

    STEP THREE of a successful CRM implementation is to select the appropriate deployment model. The Trend is toward CRM in the Cloud It is clear that the global CRM market is becoming more and more focused on Cloud CRM, aka On-line CRM. In 2010 Cloud Computing became the number one CRM trend. Salesforce.com has been [. ]

    Written By: Cliff Ford on August 14, 2013 1,482 Comments

    STEP FOUR in a successful CRM project is to select the proper CRM software system. CRM Pricing and costs At the end of the day, it usually comes down to price. So why not start with this obvious point. Be careful though with the free versions, because over time you will surely want to [. ]

    Written By: Cliff Ford on December 11, 2012 No Comment

    STEP FIVE in a successful CRM project strategy is having an adoption-oriented CRM Implementation. User Adoption: The Key Ingredient in CRM Project Implementations Keystone Strategy penned an excellent paper on the value of end-user productivity and usability in ERP software implementations. They note that an AMR Research study has shown that merely 15% of employees are [. ]

    Written By: Cliff Ford on September 13, 2015 No Comment

    When it comes to business marketing it has become much more complex over the last few years. How do you stand out in a crowd? Simple: by selling your service in a non evasive way. In order to do that you need to find tools that help you.

    Written By: Cliff Ford on December 11, 2013 No Comment

    In this blog we review and compare SugarCRM Community Edition (free) vs Professional Edition (paid). We include a video and discuss the features and differences.

    Are you a user of SugarCRM Community (free) Edition? Then you may be wondering if you should upgrade to the Professional Edition. Our partners, Accent Gold Solutions, created this video comparison to help our readers distinguish between the Community Edition (free) and the Professional Edition (paid) of SugarCRM.

    We cover Sales, Marketing, Support, Reporting, Database Structure and more topics in detail.

    Written By: Cliff Ford on November 17, 2013 No Comment

    STEP ONE in any CRM Evaluation is to gather a checklist of CRM Requirements If you aren t careful, the process of gathering requirements becomes tactical and not strategic. Obviously every feature costs money. So it pays off to initially determine what you are trying to accomplish as a business. CRM is not just Sales and [. ]

    Written By: Cliff Ford on October 16, 2013 800 Comments

    STEP TWO of every CRM Evaluation is to select the right CRM implementation partner. We won t bore you with the obvious details of due diligence. Instead, we offer a few tricks of the trade that will hopefully divide the sheep from the goats. CRM Due Diligence within your CRM Implementation First, check out the [. ]

    Written By: Cliff Ford on September 15, 2013 700 Comments

    STEP THREE of a successful CRM implementation is to select the appropriate deployment model. The Trend is toward CRM in the Cloud It is clear that the global CRM market is becoming more and more focused on Cloud CRM, aka On-line CRM. In 2010 Cloud Computing became the number one CRM trend. Salesforce.com has been [. ]


    23/08/2017

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    Home Equity – What Is a Home Equity Loan? #refinancing #vs


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    Home equity debt: What is it and how can you make it work for you?

    A home equity loan or line of credit allows you to borrow money using your home’s equity as collateral.

    Wait. Don’t click to another page. If the above paragraph seems like gibberish, you have surfed to the right place. We will explain:

    • What home equity is.
    • What collateral is.
    • How these loans and lines of credit work.
    • Why people use them.
    • What pitfalls to avoid.

    First, some definitions:

    Collateral is property that you pledge as a guarantee that you will repay a debt. If you don’t repay the debt, the lender can take your collateral and sell it to get its money back. With a home equity loan or line of credit, you pledge your home as collateral. You can lose the home and be forced to move out if you don’t repay the debt.

    Equity is the difference between how much the home is worth and how much you owe on the mortgage (or mortgages, if you have a home equity loan or line of credit).

    Example 1

    Let’s say you buy a house for $200,000. You make a down payment of $20,000 and borrow $180,000. The day you buy the house, your equity is the same as the down payment ($20,000):

    $200,000 (home’s purchase price) – $180,000 (amount owed) = $20,000 (equity)

    Fast forward 5 years. You have been making your monthly payments faithfully and have paid down $13,000 of the mortgage debt, so you owe $167,000. During the same time, the value of the house has increased. Now it is worth $300,000. Your equity is $133,000:

    $300,000 (home’s current appraised value) – $167,000 (amount owed) = $133,000 (equity)

    House purchase price

    Example 2

    In the housing meltdown that began in 2006, many homes lost equity rather than gained it. Instead of increasing, the value of the house dropped after the home was purchased. In many instances, a home equity loan would not be available.

    Using the above example, let’s say you buy a house for $200,000. You make a down payment of $20,000 and borrow $180,000. During the next 5 years, you paid down $13,000 of your mortgage debt.

    As home prices fell and homes in your neighborhood went into foreclosure, your home’s value dropped by 30% (or $54,000) to $126,000. Because the value of your home is less than the amount you owe, you have $41,000 in negative equity and would not be eligible for a home equity loan.

    Example: Negative equity

    House purchase price

    House’s appraised value

    A home equity loan (or line of credit) is a second mortgage that lets you turn equity into cash, allowing you to spend it on home improvements, debt consolidation, college education or other expenses.

    Equity loans and lines of credit defined

    There are 2 types of home equity debt: home equity loans and home equity lines of credit, also known as HELOCs. Both are sometimes referred to as second mortgages, because they are secured by your property, just like the original (or primary) mortgage.

    Home equity loans and lines of credit usually are repaid in a shorter period than first mortgages. Most commonly, mortgages are set up to be repaid over 30 years. Equity loans and lines of credit often have a repayment period of 15 years, although it might be as short as 5 and as long as 30 years.

    A home equity loan is a one-time lump sum that is paid off over a set amount of time, with a fixed-interest rate and the same payments each month. Once you get the money, you cannot borrow further from the loan.

    RATE SEARCH: If you’re thinking about getting a home equity loan, let Bankrate help you find the best rates today !

    A home equity line of credit. or HELOC, works more like a credit card because it has a revolving balance. A HELOC allows you to borrow up to a certain amount for the life of the loan — a time limit set by the lender. During that time, you can withdraw money as you need it. As you pay off the principal, you can use the credit again.

    Example

    Let’s say you have a $10,000 line of credit. You borrow $5,000 to pay for new kitchen cabinets. At that point, you owe the $5,000 you borrowed, and you have $5,000 remaining in your credit line, meaning that you could borrow another $5,000.

    Instead of borrowing more from the line of credit, you pay back $3,000. At this point, you still owe $2,000, and you have $8,000 in available credit.

    A HELOC gives you more flexibility than a fixed-rate home equity loan. It also is possible to remain in debt with a home equity loan, paying only interest and not paying down principal.

    A line of credit has a variable-interest rate that fluctuates over the life of the loan. Payments vary depending on the interest rate, the amount owed and whether the credit line is in the draw period or the repayment period.

    During the equity line’s draw period, you can borrow against it and the minimum monthly payments cover only the interest, although you can elect to pay principal.

    During the repayment period, you can’t add new debt and must repay the balance over the remaining life of the loan.

    The draw period often is 5 or 10 years, and the repayment period typically is 10 or 15 years. Those are generalizations; each lender can set its own draw and repayment periods. Lenders have been known to have draw periods of 9 years, 6 months, and repayment periods of 20 years.

    A line of credit is accessed by check, credit card or electronic transfer (ordered by phone). Lenders often require you to take an initial advance when:

    1. You set up the loan.
    2. Withdraw a minimum amount each time you dip into it.
    3. Keep a minimum amount outstanding.

    With either a home equity loan or a line of credit, you have to pay off the balance when you sell the house.

    How we make money

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    20/08/2017

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    Travel Agents vs. Do-It-Yourself Online Travel Booking #travel #to #london

    #online travel agent
    #

    Travel Agents vs. Do-It-Yourself Online Travel Booking

    By Lisa Gerstner | May 2012

    Travelers find that agents can beat do-it-yourself online deals.

    A few years ago, travel agents appeared to be sailing into the sunset as options for booking vacations online flourished. But business has been booming. The American Society of Travel Agents reports that about 75% of its members say revenues, transactions and number of clients rose or remained steady in the first half of 2011 compared with the first half of 2010.

    SEE ALSO: Your Guide to Bargain Travel in 2012

    The more complex or luxurious the trip, the more useful an agent can be. Agents have an inside track on deals and upgrades, and they can quickly solve problems or change plans while you’re on a trip, says industry consultant Mark Murphy, at Travalliancemedia. In some cases, travel agents don’t charge their clients—for example, an agent who books a cruise may earn a 10% commission from the cruise line. Others impose booking fees—say, $30 for an airline ticket—or require a deposit that they’ll keep if you cancel.





    20/08/2017

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    IT vs #computer #science #usf, #it #vs #computer #science


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    IT vs. Computer Science: Which Degree is Right for You? [Infographic]

    There s no doubt in your mind you want to work in the exciting world of technology! And with the optimistic job growth and exciting earning potential, who could blame you?

    The average median salary for professionals in this industry is upwards of $80,000 annually, according to the U.S. Bureau of Labor Statistics (BLS).* These positions are also projected to grow by an average of nearly 12 percent through 2024, which is faster than the national average rate of seven percent. Considering all these factors, it s easy to see why you re interested in pursuing a degree in technology .

    The hard part is deciding which degree is right for you and your career aspirations. If you re looking for a program that will prime you for success in a variety of technology careers, you re probably considering IT versus computer science.

    The two may seem similar on the surface, but there are different skills and career opportunities associated with each. We created this infographic to provide you with a visual, side-by-side comparison of these fields of study so you can decide which suits you best.

    * Salary data represents national, averaged earnings for the occupations listed and includes workers at all levels of education and experience. This data does not represent starting salaries and employment conditions in your area may vary.

    EDITOR S NOTE: This infographic was originally published in October 2014. It has since been updated to include information relevant to 2017.

    External links provided on Rasmussen.edu are for reference only. Rasmussen College does not guarantee, approve, control, or specifically endorse the information or products available on websites linked to, and is not endorsed by website owners, authors and/or organizations referenced.

    Callie is the Associate Content Marketing Manager at Collegis Education. She oversees all blog content on behalf of Rasmussen College. She is passionate about providing quality content to empower others to improve their lives.

    Connect with Callie Malvik

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    18/08/2017

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    Travel Medical Insurance vs US Domestic Health Insurance #book #flights #cheap

    #domestic travel insurance
    #

    Domestic Health Insurance Vs. Visitors and Travel Medical Insurance

    While shopping for travel insurance for visiting parents or relatives, people often wonder if they can include these visitors in their own existing health insurance plans like BlueCross, BlueShield, Kaiser, Aetna, United health care(UHC) etc. However, this is not possible. US Domestic health plans are meant only for the US citizens, residents or legal workers, and their immediate family members residing in the USA. Visitors to the USA are not eligible for benefits on these plans. People often wonder why the domestic health insurance companies do not sell travel medical insurance. Let us explore some basic differences between domestic health insurance and travel Health insurance.

    US Social Security Number / ITIN Number Required for Domestic Health Plans:

    A valid Social Security number or Individual Taxpayer Identification Number (ITIN) number, issued by the US government, is required to qualify for domestic health plans. Visitors to the USA, not having either of the two, are not eligible for domestic insurance policies. Hence they must purchase visitors medical health insurance to be covered for medical expenses in the USA. Some well-known visitor’s health insurance companies or administrators include Seven corners, Multinational underwriters, among others.

    Domestic Health Insurance Companies Do Not Sell Travel Insurance Plans:

    Domestic health insurance companies do not cover visitors health insurance because it is not cost-effective for them to cater to a small segment of visitors, as their customers.

    Visitors Health Insurances are Temporary:

    Visitors insurance is temporary and can cover you for a minimum period of 5 days to a maximum period of 3 years. On the other hand, domestic health insurance policies can provide coverage from 1 month up to 65 years.

    Cost and Benefits are Less for Visitors Insurance Plans:

    For visitors insurance, the costs, benefits and variety of plans are much less compared to the domestic insurance plans. Visitors health insurance offers international coverage, while most domestic plans do not cover international travel. Moreover, there is no age restriction on visitors insurance, while domestic policies can be purchased for only up to 65 years.

    Coverage Starts Immediately After The Purchase of Visitors Insurance Plans:

    In case of visitors insurance, coverage starts immediately after purchase, with no wait for approval. With domestic insurance, there is a longer waiting period, and it is also subject to approval.

    Pre-Existing Condition Coverage Rarely Available for Visitors Insurance Plans:

    With very few exceptions, travel health insurance usually does not cover any pre-existing conditions, while most domestic group plans, provided by the employers do cover pre-existing conditions. It is not cost effective for insurance companies to offer coverage for pre-existing conditions for short term customers.

    Travel Health Insurance Plans are Not Restricted to Any Provider Network:

    For Visitor insurance plans. allow you to visit any doctor or hospital, as these are not restricted to a specific network. Domestic plans, on the other hand, offer less coverage if you visit hospitals or doctors outside the network.

    Billing Process Depends on Individual Doctor or Hospital for Visitors Health Insurance Plans: Domestic Insurance plan holders must seek medical treatment from doctors or hospitals covered within the provider network. For VisitorsCoverage, the billing process usually depends on the individual hospital or doctor that the patient visits. They could either send the bill directly to the insurance company or ask the patient to pay upfront. If the medical facility asks you to pay them, then you must first pay the amount for the services and later file a claim with the insurance company. The insurance company will reimburse you with your expenses. For more details on claim process, please review Insurance Claim Process. Travel medical insurance works differently from domestic health insurance plans. Thus it is important for visitors to purchase visitors health insurance plan when visiting the USA or visiting some other country from the USA.





    11/08/2017

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    Ooma vs #vonage #vs #magic #jack


    #

    Ooma vs. Vonage Which is Best?

    Compare Ooma to Vonage Before You Buy!

    I hate that stupid Vonage commercial. If you are ready to save on your phone bill, you might be wondering if there is something better than Vonage.

    Great question. Vonage is probably one of the best-known cloud-based phone service companies out there, thanks to their commercials. If you are ready to save on your phone bill, you might be wondering if there is a better VolP deal out there than Vonage. You have several choices, such as Magic Jack Plus, Netduo, Obihai, and Ooma. Of all of these, Ooma offers the least geeky, easiest to install phone service with the best sound quality.

    Since Ooma and Vonage are the most similar to each other, let’s dive into a comparison of the two services and how they can both save you money.

    Ooma vs. Vonage: Call Quality

    Ooma has recently released a new HD phone that provides high-def quality when speaking with another Ooma user. But overall, both Ooma and Vonage get good reviews for sound quality. So, based on customer reviews, Ooma and Vonage are the same.

    Ooma vs. Vonage: Initial Cost

    You can typically find Ooma Telo for around $110-$130 on Amazon. The Vonage box is free; however, they do lock you into a one year contract. If you check on Amazon, sometimes you can get the box for about $20. and skip some of the contract.

    So you’ll probably end up paying more for Ooma up front.

    Ooma vs. Vonage: Monthly Costs

    Here is where Ooma starts to really pull ahead.

    Vonage runs a standard introductory promotion these days of $9.99 per month, switching to around $28 (plans go as high as $55) per month after the introductory period (typically six months). So for your first year you would pay about $240 for your service, plus fees and taxes.

    The Ooma gives you more options. If you are okay with getting phone calls with basic caller ID and voicemail, then you can get their service for free, with as little as $4 per month in taxes and regulatory fees. If you want Ooma’s upgraded services such as three-way calling and second-line, then they charge $10 per month for that.

    Ooma vs. Vonage: International Calling

    Both of these phones offer free nationwide calling in the US. Additionally, one of the biggest attractions of Internet phones is the incredible low rate available for international calling.

    Vonage includes free calling for up to 60 countries, depending on which monthly plan you go with.

    Ooma requires that you pay an extra $10 per month for 1,000 minutes of international talk time with their list of 60 countries. So, as long as your country of interest is on the list, you could pay for Ooma’s premier service and their Internet calling and still pay less monthly than Vonage.

    Ooma vs. Vonage: For Multiple Phones

    Vonage doesn’t really support a second phone (same line). However, if you buy a cordless phone with a second base, that will work just fine. Just plug the main base into the Vonage box. They also sell wireless phone adapters that you could use.

    The Ooma Telo model actually allows you to provide a dial-tone to your entire house, provided that you don’t have a landline. You just run a line from the Telo to any phone jack and it activates all of the other phone jacks in the house. Plus, with Ooma’s second-line feature (Premier plan), you can call out, even if someone is already talking.

    What About Caller ID, Voicemail, Three-Way Dialing, and 911 Service?

    Vonage, of course, provides all of these services with their monthly fee.

    Ooma provides basic caller ID, voicemail, and 911 services with their “free” plan. If you go to the Premier plan ($10/month) you get all of the above features, plus some.

    Ooma vs. Vonage: Device Warranty

    Both companies provide a one year warranty on their device.

    Ooma vs. Vonage: Which Is Better?

    Bottom line? I hate contracts. Vonage is hard to terminate—you have to call in and spend quite a bit of time answering many questions. Plus, cancellation under contract requires a termination fee. Even when you sign up with no contract, Vonage really puts you through the wringer on the cancellation process, asking all sorts of unrelated questions and often taking over half an hour on the phone in order to complete the cancellation.

    Ooma, on the other hand, gives me the freedom of no contracts and lower monthly bills. For a long-term, money-saving solution, Ooma is the clear winner.

    In fact, if you are insistent on trying Vonage, I might encourage you to check with your Internet provider. They often provide a similar broadband phone service for about $20 a month.

    Note: How to Improve Your Phone’s Sound Quality

    As with all VoIP, troubles with sound quality are more likely to be related to the upload speed of your Internet connection. Both services recommend changing the QoS (Quality of Service) settings on your modem to prioritize the traffic from your Internet phone. This can help keep your phone conversations from being trumped by the duckface photos your daughter is trying to upload from her bedroom.

    Other Phone Service Comparisons

    • Vonage Competitors: Which One Will Save You the Most?
      Considering that Vonage has over 2.4 million subscribers, you might tend to think they’re the best and the cheapest. Read on to see if it’s true.
    • Obi vs. Ooma
      Obi vs. Ooma? Here’s a run-down of the differences in costs, benefits, and features of both the Ooma and the Obihai Voip systems.
    • Ooma vs. Telo
      You’ve decided to cut the tie to your phone bill forever! Ooma is a great choice (it’s the one I’ve decided to go with). But now there’s the debate of Ooma vs. Telo. Which one to go with?

    08/08/2017

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    Range & Specifications #vs # #toyota #camry


    #

    [B4] This is a driver assist feature only and should not be used as a substitute for safe driving practices. Driver remains responsible at all times for safe driving and visually monitoring road conditions.

    [B5] The Bluetooth ® word mark is owned by Bluetooth SIG, Inc. Not all devices will be compatible and functionality varies depending on the device.

    [B8] Pre-Collision Safety System is a driver assist technology and should not be used in place of safe driving practices. Driver should continue to monitor road ahead.

    [G3] Automatic High Beam is a driver assist device only and should not be used as a substitute for safe driving.

    [G7] SUNA TM GPS Traffic Updates are only available in metropolitan Adelaide, Brisbane, Canberra, Gold Coast, Melbourne, Perth and Sydney; it operates from information provided by Intelematics Australia and may not cover all road incidents and congestion. Please see www.sunatraffic.com.au for details.

    [G15] Only Qi-supported devices are compatible. Refer to your device manufacturer to determine your device s compatibility. Some devices may require the purchase of a Qi-supported accessory to enable wireless charging.

    [N1] Current navigation mapping database encompasses major capital and primary national road networks as well as offering some coverage of regional areas.

    [N16] Cruise Control is a driver assist technology and should not be used as a substitute for safe driving practices. Driver should continue to monitor the road.

    [TL1] Toyota Link is available on certain vehicle models and grades only. Toyota Australia reserves the right to add, remove or modify applications. Toyota Link services rely on data from the driver’s compatible mobile phone and information provided by third parties. Availability is dependent on a number of factors, including the availability of third party information, mobile service, sufficient mobile data allowance and GPS satellite signal reception. Mobile usage is at the user’s cost. Compatibility with smartphones will vary according to model and operating system. Further information is provided at www.toyota.com.au/toyotalink.


    07/08/2017

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    Undergraduate Degree vs #associate #degree #vs #bachelor #degree, #undergraduate #degree #vs.


    #

    Undergraduate Degree Vs. Graduate Degree: Income and Salary Comparison

    Undergraduate vs. Graduate Degree Salary

    In general, graduates of master’s degree programs earn more than those with an undergraduate degree in similar positions. Overall, however, individuals with a bachelor’s degree earn slightly more than individuals with a master’s degree. Individuals with a professional or doctoral degree earn around $30,000 more than either.

    According to 2014 data from the United States Department of Labor, U.S. workers with a bachelor’s degree earned a median salary of $69,260, while U.S. workers with a master’s degree earned a median salary of $65,330. Meanwhile, someone with a doctoral or professional degree could expect to earn around $98,940.

    Salaries for college graduates vary by subject, as well as the level of degree earned. However an individual with a master’s degree can expect to earn more than an individual with a bachelor’s degree in a similar position. For instance, according to the 2015-2016 College Salary Report done by Payscale, an accountant with a bachelor’s degree earned an average salary of $46,900. Meanwhile an accountant with a master’s degree earned an average salary of $55,600.

    Find schools that offer these popular programs

    • Agriculture
    • Architecture
    • Biological and Biomedical Sciences
    • Business
    • Communications and Journalism
    • Computer Sciences
    • Culinary Arts and Personal Services
    • Education
    • Engineering
    • Legal
    • Liberal Arts and Humanities
    • Mechanic and Repair Technologies
    • Medical and Health Professions
    • Physical Sciences
    • Psychology
    • Transportation and Distribution
    • Visual and Performing Arts

    Salary Comparison

    The table below shows the average starting salaries according to Payscale’s 2015-2016 College Salary Report:

    • Doctorate
        • Ph.D. in Business Administration
        • Ph.D. Health Sciences
        • Ed.D. in Educational Leadership
        • Ph.D. in Educational Leadership
    • Master
        • Master of Arts in Education
        • Master of Business Administration
        • Master of Science in Health Sciences
        • Master of Science in Human Resources Management
        • Master of Science in Information Technology Management
        • Master of Science in Emergency and Disaster Management

    Get Started with Trident University

    4 Strayer University

    Minimum eligibility requirements:
    • Must be a high school graduate or have completed GED
    School locations:

    Get Started with Strayer University

    5 Concordia University Portland

    Minimum eligibility requirements:
    • Applicants must have a Bachelor’s degree or higher.
    School locations:
    • Doctorate
        • EdD in Educational Administration
        • EdD in Teacher Leadership
        • EdD in Higher Education
        • EdD in Transformational Leadership
        • Ed.D. Professional Leadership, Inquiry, and Transformation
    • Master
        • MEd in Curriculum & Instruction – Leadership
        • M.Ed. in Curriculum and Instruction – Online Teaching and Learning
        • M.Ed. in Curriculum and Instruction – STEAM (Science, Technology, Engineering, Art, and Math)
        • MEd in Curriculum & Instruction – Methods & Curriculum
        • M.Ed in Curriculum & Instruction – Common Core State Standards
        • M.Ed. in Curriculum and Instruction – Early Childhood Education

    Get Started with Concordia University Portland

    6 Colorado Technical University

    Minimum eligibility requirements:
    • Must be a high school graduate or have completed GED
    School locations:

    Get Started with Colorado Technical University

    7 Saint Mary’s University of Minnesota

    Minimum eligibility requirements:
    • Must be a high school graduate or have completed GED
    School locations:
    • Master
        • Master of Arts in Health and Human Services Administration
        • Master of Arts in Human Resource Management
        • Master of Arts in International Development
        • Master of Arts in Organizational Leadership
        • Master of Arts in Special Education
        • Master of Science in Accountancy

    Get Started with Saint Mary’s University of Minnesota

    8 Herzing University

    Minimum eligibility requirements:
    • Must be a high school graduate or have completed GED
    School locations:

    Get Started with Herzing University

    9 University of Delaware

    Minimum eligibility requirements:
    • Applicants to University of Delaware online programs must have a high school diploma or the equivalent. Additional requirements may vary by program.
    School locations:
    • Master
        • Online Master of Public Administration
        • Master of Business Administration
        • Master of Business Administration – Finance
        • Master of Business Administration – Healthcare Concentration
        • Master of Business Administration – International Business
        • Master of Business Administration – Triple Concentration

    Get Started with University of Delaware

    10 Wilkes University

    Minimum eligibility requirements:
    • Applicants to the RN to MS programs must have an Associate’s degree or higher. All other Master’s programs require a Bachelor’s or higher. The DNP program requires a Minimum of a Master’s degree.
    School locations:

    05/08/2017

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    Lean Six Sigma Green Belt Certification Online #lean #six #sigma #vs


    #

    Lean Six Sigma Green Belt

    This Program is Most Suited for:

    • Professionals and students looking to obtain industry-recognized accredited certification.
    • Directors, quality managers and supervisors who are interested in leadership opportunities.
    • Professionals who work in healthcare, manufacturing, finance, government, or other service/product based industries.
    • Professionals who are involved in manufacturing, engineering, quality control, supply chain, management and operations.

    Lean Six Sigma Green Belt Training

    SSGI is an IASSC accredited Lean Six Sigma Green Belt training provider. Training is 100% online, self-paced, mobile friendly and hosted on a LMS. Course material has been designed so that it is easily understood by beginners and those new to the discipline. There are no required software applications or additional training materials needed. Training is fully aligned to IASSC Green Belt standards.

    Course Completion Time

    There is no time restriction. You will have lifetime access.

    Completion time largely depends on your availability. Some people finish the program within a week and others take up to several weeks. Everything is self-paced and there is no time restriction in regards to completing the course.

    • Full Lean Six Sigma Course (includes case studies from FB, Apple, Microsoft)
    • Accelerated Lean Six Sigma study guide (time friendly option)
    • Flash cards
    • Practice exam
    • 24/7 Instructor support
    • 35 CEUs
    • Strengthen your problem solving skills
    • Learn how to improve processes to save organizations time and money
    • Learn critical management skills that top organizations value
    • Develop a professional working knowledge of Lean Six Sigma at the Green Belt level

    Lean Six Sigma Green Belt Certification

    Our Lean Six Sigma Green Belt certification is industry-recognized and fully accredited by the Council for Six Sigma Certification.

    Lean Six Sigma certification from Six Sigma Global Institute will help you stand out from the competition, open new career opportunities and increase your salary. As a Certified Green Belt Professional (from an accredited provider), you will be qualified to lead small and medium sized projects. Our organization trains and certifies employees from top companies around the world such as GE, Deloitte, Humana, Fedex and Time Warner Cable.

    • Increase your salary upwards of 40%
    • Improve your resume and open hundreds of new job opportunities
    • Get promoted
    • Manage small/medium teams and projects

    03/08/2017

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    Can I use a high-end desktop in place of a server?


    #

    Server vs. High-End PC

    Now that you know your business needs a server, one of your first questions is probably can you use a high-end desktop PCs instead of a dedicated server.

    Once you’ve determined that your business needs a server. one of the first questions you should ask is whether or not you can use a high-end desktops instead of having to invest in a new server. This is a common question, especially during these times of limited resources and tight budgetary constraints.

    While a high-end PC can often work and function as a server in a pinch, especially for certain roles such as file serving, there are several reasons a dedicated server makes a better long-term investment. Some of a dedicated server’s key advantages over a high-end PC include:

    1. Reliability
    2. Performance
    3. Scalability
    4. Security
    5. Long-term Cost Savings

    Reliability and Performance

    One of the most important differences between servers and high-end desktop computers is the use of higher quality hardware in servers that has built-in failproof protection in the form of redundancy. If a desktop component fails, it typically impacts only one user, whereas if a server component fails it can impact a large number of users or even an entire business.

    Redundancy is particularly important for storage, where RAID (redundant array of inexpensive disks) is typically utilized to keep a server up and running even if a hard drive crashes, as well as for power, where backup power sources are utilized to keep a server operational even if the main power supply goes down. These components and other hardware in a server can typically be replaced with minimal or no disruption to users.

    Servers also typically utilize hardware specifically tailored to the needs of businesses, including multiple processors and plenty of RAM to prevent performance degradation when supporting a large number of users.

    Scalability and Security

    Server Scalability: Servers are designed with scalability in mind, so as your business grows your server will have little trouble supporting increases of data, users and network traffic. While a high-end personal computer may meet the existing needs of a smaller business, there’s a high probability that it won’t be able to keep up as the company expands and its network needs increase.

    Server Security: Security can be implemented more efficiently and effectively with servers, since critical business data resides on one central server computer as opposed to being spread out over a large number of computers and storage devices like flash drives. Backing up that data and preventing data loss in the case of a disaster are also much easier tasks when dealing with a central resource and data controller like a server.

    Reduced Administration

    Reduced administration and long-term cost: While you can certainly expect a higher up-front cost when investing in a server as opposed to utilizing an existing high-end desktop, over the long run you’re likely to see a lower total cost of ownership with a server for several reasons. First, with your server serving as a central resource controller there will be fewer components to have to support in terms of administration and maintenance. Additionally, with servers being designed to allow many users to share applications and connections to the Internet and wide area networks (WANs), a high-end server can reduce the need for duplication of hardware as well as additional computers in many cases.

    Choosing the Right Server — Servers are the unsung heroes of the corporate computing environment, working behind the scenes to help get the maximum benefit from the personal computers that people use every day. Before investing in server hardware, you need to consider applications, storage, processor, form factor, and more.

    Advantages of a Server

    While it may seem at first glance to be easier and more cost-effective to utilize a high-end desktop computer as a server rather than purchasing one, a dedicated server offers several key advantages that make it the better choice in most all cases. These advantages include increased reliability and performance, scalability, security, reduced administration and lower total cost of ownership.

    And while a higher initial cost may be an inevitability with a server, there’s a greater chance that over time your business will see reduced costs and increased user productivity with a dedicated server versus a stand-in high-end PC.

    Congratulations! You now have a better understanding of the differences between a server and a high-end desktop computer as well as the benefits that a server can bring to your business!

    Based in Nova Scotia, Canada, Vangie Beal is a freelance writer, covering business and Internet technology for more than a decade. She is also managing editor of Webopedia.com.

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    30/07/2017

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    Top Flight Deals for Nov. 24: Wizarding World vs. Disney World

    #travel flight deals
    #

    Cheap Flights to Orlando

    The prices below represent a savings of up to $100  on typical roundtrip prices. These fares are not part of an airline sale and may disappear at any time, so book ASAP.

    Availability varies by route. Click on the Fare Calendar links below to find the best dates to travel December to February. unless otherwise noted (holiday blackouts may apply). All prices roundtrip, including taxes, to Orlando from:

  • Your city not on the list? Follow the link to find more flights to Orlando .
  • If you need a place to stay, don t miss this deal from Travelzoo at the Sonesta ES Suites. Stay for just $119 per night in a two-bedroom suite near all the attractions.

    Ski Season is Coming

    Trade in the wand for some skis (or a snowboard). Our experts found some great fares to Denver this week.

    Availability varies by route. Click on the Fare Calendar links below to find the best dates to travel through February (holiday blackouts may apply). All prices roundtrip, including taxes .

    Flights to Denver

    Note: For a list of baggage fees, click here .

    Don’t see fares from your hometown? Browse Today’s Best Fares from your city. And for hotel suggestions, check out Fly.com/hotels for deals and offers.





    21/07/2017

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    Shared Custody vs Joint Custody #shared #custody #vs #joint #custody, #


    #

    Shared Custody vs Joint Custody

    Locate a Local Family Lawyer

    What Is the Difference Between Shared Custody and Joint Custody?

    Shared custody vs Joint Custody are two different types of custody. A court may prescribe one of several different custody arrangements when determining child custody issues. Child custody is based on the needs of the child and the capabilities of each parent.

    The term shared custody is often used as a synonym for joint custody. but shared custody vs joint custody are two different types of custody. Here are the differences of shared custody vs joint custody. Both terms fall into the category of shared parenting .

    • Shared Custody. This form of custody means each parent receives roughly equal amounts of time spent with the child, and the parents work together to raise the child in the same manner that they would have if they were still together.
    • Joint Custody. This type of custody, which comes in both the forms of legal and physical custody. focuses more on the tasks and responsibilities of each parent as a separate person instead of both parents together as a couple. Parents who are not married to one another and live apart often have joint custody. Full joint custody involves the parents sharing the decision-making responsibilities for the child, which is joint legal custody, and the physical control of the child, which is joint physical custody.

    In child custody cases, the needs of the child always take priority over the desires of the parents. Courts will use the best interest of the child standard to determine which type of custody would be appropriate for the child. Shared custody may not be available in all jurisdictions.

    What Does Shared Custody Involve?

    In a shared custody arrangement, each parent has about equal custody of the child. For this type of child custody arrangement to work, each of the parents should live in near one another. With shared custody, both parents have legal and physical custody of the child as a single unit, collaborating on the child-raising effort instead of having responsibilities strictly divided by the court. Both parents make decisions about the child’s health care, religious upbringing and education, and both parents are responsible for taking physical care of the children. Mediation is usually ordered by the courts, giving parents the opportunity to sit with a mediator to work out the details of their parenting plan, which includes information such as where the child will spend summers, holidays, and weekends.

    The goal of shared custody is for a more equal distribution of time between the child and the parents. The focus of shared custody is on the time spent together, rather than the duties and responsibilities of each individual parent.

    Shared custody is ideal when the parents are able to cooperate and agree on basic decisions without confrontations. It may also provide the child with a more stable environment, since time spent with each parent is about the same.

    How Does Shared Custody Visitation Work?

    The judge determines shared custody visitation schedules and arrangements. Most of the time, the parents come to an agreement on their own and the judge does not have to make the agreement. However, if both parents are fighting for physical custody, the judge decides with whom the children will reside primarily based on which parent would be the best interest for the child. The judge can also arrange visitation if the parents cannot reach an agreement.

    What Does Joint Custody Involve?

    Joint custody is a more general term that refers to a basic division of child-rearing tasks between the parents because focuses more on the tasks and duties that are distributed to each parent. When parents have joint custody, they usually agree upon a physical custody schedule according to their work requirements, housing arrangements, and the children s needs while acting as a single parent when in physical possession of the child. If the parents cannot agree upon a schedule, the court will then provide a schedule for the parents.

    Most joint custody arrangements involve an alternating schedule between each parent. However, one parent may have a much greater amount of physical custody time than the other parent. Also, one parent may have more parenting responsibilities than the other.

    Joint custody arrangements may be ideal when one parent is in a better position to care for the child than the other. Joint custody allows a child to receive the care of one parent while still being able to interact with the other parent on a regular basis.

    Do I Need a Lawyer for Shared Custody or Joint Custody Arrangement?

    A child custody lawyer can assist you in custody arrangements for your child or children. They can explain to you what the child custody laws are in your state and help you obtain the kind of custody arrangement that you want. You may consider reading about How much a child custody lawyer cost

    Link to this page


    15/07/2017

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    Retail Management Success-Website for Retail Managers #retail #management #seminars # #running


    #

    HOW CAN DMSRETAIL HELP?

    DMSRetail can help your company or career in retail management in one or more ways as listed below:

    1. Consulting services will diagnose what can and may be improved in your operation to further sales, customer experience and ultimately profits.

    2. Through products and services like workshops, courses, success guides and tools, we can help elevate the knowledge level and expertise of your staff.

    © 2003- 2017 DMSRetail Inc. All Rights Reserved

    LINKS OF INTEREST

    Check our blog frequently for short and informative messages.

    Products and services of DMSRetail all in one place.

    Detailed information about our workshops and how to register.

    CUSTOMER SERVICE HOT LINE

    Connect with us:

    OTHER PRODUCT SERVICES:

    For those who can not or do not want to travel. More Info

    Economical and steady way to get your hands on all of our products. More Info

    Unequalled opportunity to those who want to start their own business…MORE

    Learn all about DMSRetail Consulting services. More Info

    Complete retail business resources that any retail manager needs at any level, including business owners, all in one place. Includes training, expert guides, tools, marketing, operational guidance and forms. Anything that you are looking for an answer can be found in this site. Try it just for $1

    June 5- 6- 7, 2017 – Sheraton Park Lane, London, UK. If you can only attend ONE Event this year this is it. You will learn about the proprietary and proven DMSRetail performance systems and how to implement them in your retail organization. Sub systems like compensation, incentives and career path along with the selection of the right KPI’s, produce the biggest ROI. We also cover current hot issues like Business Intelligence, Retail Technology and much, much more. Details

    Tuesday May 30, 2017 – 1- 3 PM EST

    Retail Category Management Online Training is useful for all buying staff, including category managers, buyers and visual merchandising teams as well as for Suppliers of Retail. Learn More

    Wednesday, May 31, 2017 – 1- 3 PM EST

    Retail Math Retail Analytics are essential parts of any retail manager’s arsenal. “It’s like MBA in Retail Management in 2 hours.” One participant said. Learn More

    Management vs. Leadership – What a Good Leader is… – Avoid the “10” Mistakes – 11 Leadership Principles – Top 5 Factors of Influence – Leadership (Culture) – Leadership (Strategy) – Keys to Success: Situational Leadership – Motivation Secrets Learn More


    11/07/2017

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    Trip Cancellation vs. Cancel for Any Reason Coverage #travel #airline #tickets

    #travel insurance cancel for any reason
    #

    Trip Cancellation vs. Cancel for Any Reason

    At InsureMyTrip, we know the importance of expecting the unexpected. Lucky for you, and all of our travelers. There are two different benefits that will cover a cancelled trip: trip cancellation and Cancel for Any Reason

    Trip Cancellation

    You will find basic trip cancellation coverage in every comprehensive policy. This will extend coverage for the cancellation of a trip for specific unforeseen, covered reasons. Commonly, travel insurance plans will cover reasons such as:

    • The unexpected illness or injury of you and/or a traveling companion that deems you unfit to travel, by order of a licensed physician
    • The hospitalization or death of a non-traveling family member
    • Weather or common carrier related issues (varies by policy)
    • Unforeseen natural disasters at home or the destination
    • A legal obligation, such as being called for jury duty or to appear as a witness in court

    The details vary from provider to provider and with each plan. If you do need to cancel, you will be reimbursed 100% of the prepaid, non-refundable trip cost for which you are insured and can provide documentation. All of this coverage, is only if the trip is cancelled due to a specific, unforeseen covered reason.





    07/07/2017

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    Travel Medical Insurance vs US Domestic Health Insurance #cheap #airline #tickets

    #domestic travel insurance
    #

    Domestic Health Insurance Vs. Visitors and Travel Medical Insurance

    While shopping for travel insurance for visiting parents or relatives, people often wonder if they can include these visitors in their own existing health insurance plans like BlueCross, BlueShield, Kaiser, Aetna, United health care(UHC) etc. However, this is not possible. US Domestic health plans are meant only for the US citizens, residents or legal workers, and their immediate family members residing in the USA. Visitors to the USA are not eligible for benefits on these plans. People often wonder why the domestic health insurance companies do not sell travel medical insurance. Let us explore some basic differences between domestic health insurance and travel Health insurance.

    US Social Security Number / ITIN Number Required for Domestic Health Plans:

    A valid Social Security number or Individual Taxpayer Identification Number (ITIN) number, issued by the US government, is required to qualify for domestic health plans. Visitors to the USA, not having either of the two, are not eligible for domestic insurance policies. Hence they must purchase visitors medical health insurance to be covered for medical expenses in the USA. Some well-known visitor’s health insurance companies or administrators include Seven corners, Multinational underwriters, among others.

    Domestic Health Insurance Companies Do Not Sell Travel Insurance Plans:

    Domestic health insurance companies do not cover visitors health insurance because it is not cost-effective for them to cater to a small segment of visitors, as their customers.

    Visitors Health Insurances are Temporary:

    Visitors insurance is temporary and can cover you for a minimum period of 5 days to a maximum period of 3 years. On the other hand, domestic health insurance policies can provide coverage from 1 month up to 65 years.

    Cost and Benefits are Less for Visitors Insurance Plans:

    For visitors insurance, the costs, benefits and variety of plans are much less compared to the domestic insurance plans. Visitors health insurance offers international coverage, while most domestic plans do not cover international travel. Moreover, there is no age restriction on visitors insurance, while domestic policies can be purchased for only up to 65 years.

    Coverage Starts Immediately After The Purchase of Visitors Insurance Plans:

    In case of visitors insurance, coverage starts immediately after purchase, with no wait for approval. With domestic insurance, there is a longer waiting period, and it is also subject to approval.

    Pre-Existing Condition Coverage Rarely Available for Visitors Insurance Plans:

    With very few exceptions, travel health insurance usually does not cover any pre-existing conditions, while most domestic group plans, provided by the employers do cover pre-existing conditions. It is not cost effective for insurance companies to offer coverage for pre-existing conditions for short term customers.

    Travel Health Insurance Plans are Not Restricted to Any Provider Network:

    For Visitor insurance plans. allow you to visit any doctor or hospital, as these are not restricted to a specific network. Domestic plans, on the other hand, offer less coverage if you visit hospitals or doctors outside the network.

    Billing Process Depends on Individual Doctor or Hospital for Visitors Health Insurance Plans: Domestic Insurance plan holders must seek medical treatment from doctors or hospitals covered within the provider network. For VisitorsCoverage, the billing process usually depends on the individual hospital or doctor that the patient visits. They could either send the bill directly to the insurance company or ask the patient to pay upfront. If the medical facility asks you to pay them, then you must first pay the amount for the services and later file a claim with the insurance company. The insurance company will reimburse you with your expenses. For more details on claim process, please review Insurance Claim Process. Travel medical insurance works differently from domestic health insurance plans. Thus it is important for visitors to purchase visitors health insurance plan when visiting the USA or visiting some other country from the USA.





    07/07/2017

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    Online travel agencies vs. meta search – airfare sites – Blog

    #online travel agencies
    #

    Online travel agencies vs. “meta search” airfare sites

    What’s the difference between an “online travel agency” (OTA) such as Expedia, Orbitz and Travelocity vs. so-called “meta search” travel site such as TripAdvisor Flights. For one thing, online travel agencies have toll-free numbers with agents standing by to help you book or re-book a flight; meta search sites such as Kayak don’t, because they don’t sell airfares; they send you directly to airlines or to online travel agencies to book. Both an online travel agency and a meta search site will let you know if the best deal is on a combination of airlines (say, going out on US Airways and coming back on United).

    But neither type of site will show you fares on all airlines (Southwest and Allegiant are excluded) and neither will always have fares that the airlines are keeping for their own websites (airlines sometimes hold back fares and inventory for their own sites in order to entice users to book direct).

    But, unlike airline sites which try to keep you on the airline’s own network, OTAs and meta search websites do show you the widest range of schedules and fares. Occasionally, an online travel agency such as Expedia or Travelocity will have fares that meta search sites don’t. For example, over the summer American Airlines had business class fares to Europe for peak summer travel at prices lower than economy class for the same dates; Travelocity had these deals, Kayak didn’t. In general, however, meta search sites do a better job of finding “airline-site-only” fares than do online travel agencies. On the other hand, online agencies offer air plus hotel packages that can sometimes save you serious cash, whereas meta search sites don’t.

    Bottom line: you need to consult meta search sites, online travel agencies, and airline sites if you really want to find the best deal.





    28/05/2017

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    Visitor Medical Insurance – Comparison of buying from US vs Indian

    #travel insurance usa
    #

    Comparison of Visitors Medical Insurance Coverage from Companies in the U.S. vs India

    You can purchase visitors medical insurance from companies based in your home country (such as India) or from companies in the U.S. Generally, the cost of medical insurance from an American company is higher, although it is still the preferred insurance to purchase. As demonstrated in the comparisons below, American insurance has many advantages.

    The following table provides a detailed comparison of the various issues involving insurance products available from companies in the U.S. and India. Please keep in mind that this is a generic discussion. There may be exceptions to the offerings of products in both countries (and all the products from a given country do not work the same way). You should review all the details of any insurance plan you are considering before purchasing it (i.e. any brochures, policy wording, comparisons between plans and information from your representative).

    Most of the information below regarding Indian companies was taken from the Web sites of various companies, as it existed as of writing this, and it may change in the future in case any of the companies revise their products. The information is also based on our personal experiences in dealing with these companies on a trial basis during previous visits to India, professional experience dealing with many customers on a daily basis, and from reading the discussion forums and experiences section on this Web site. The information is not targeted towards any specific company or product.





    18/05/2017

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

    #online travel agent
    #

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

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

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

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

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

    Is it really as convenient as we think?

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

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

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

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

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

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

    Customer Service Pro for the Travel Agent Con for Booking Online

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

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

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

    The Lowest Prices are Guaranteed Online? Or Are They?

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

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

    The Bottom Line Travel Buyers Beware

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





    24/04/2017

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    Visitor Medical Insurance – Comparison of buying from US vs Indian

    #travel insurance usa
    #

    Comparison of Visitors Medical Insurance Coverage from Companies in the U.S. vs India

    You can purchase visitors medical insurance from companies based in your home country (such as India) or from companies in the U.S. Generally, the cost of medical insurance from an American company is higher, although it is still the preferred insurance to purchase. As demonstrated in the comparisons below, American insurance has many advantages.

    The following table provides a detailed comparison of the various issues involving insurance products available from companies in the U.S. and India. Please keep in mind that this is a generic discussion. There may be exceptions to the offerings of products in both countries (and all the products from a given country do not work the same way). You should review all the details of any insurance plan you are considering before purchasing it (i.e. any brochures, policy wording, comparisons between plans and information from your representative).

    Most of the information below regarding Indian companies was taken from the Web sites of various companies, as it existed as of writing this, and it may change in the future in case any of the companies revise their products. The information is also based on our personal experiences in dealing with these companies on a trial basis during previous visits to India, professional experience dealing with many customers on a daily basis, and from reading the discussion forums and experiences section on this Web site. The information is not targeted towards any specific company or product.





    06/04/2017

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    Schwalbe Marathon Plus Vs Conti Travel Contact #deals #on #rental #cars

    #conti travels
    #

    Thread: Schwalbe Marathon Plus Vs Conti Travel Contact

    Schwalbe Marathon Plus Vs Conti Travel Contact

    What’s the verdict comparing these two tough commuter/tourers with 85 PSI max pressure ratings? For mileage and puncture protection on hardcore city commutes and fine gravel cycle paths?

    If anyone is running the Conti CONTACT SECURITY tires, how are they performing. as they seem the nearest to the Marathon Plus for thick inner protective shield and tire weight.

    I just put a Vittoria Randonneur Cross 700x35c on the back. This is only 70 PSI (which drops to 60) and even if is a marginally cheaper tire with special puncture protection, 70psi just won’t cut it for speed commuting on London roads and very fine abrasive gravel which covers some bitumen cyclepaths.

    Worse still, getting it on is impossible without steel levers and the inside circumference is definately short 5mm or so. Such a problem I pinched two tubes fitting it. So there no way you can risk having a flat somewhere and pinch your only spare tube.

    I gave the supplier (Wiggle) the batch number of the tire to check quality control at the factory – and they offered to take it back immediately for a refund. Most encouraging. It’s service like this that keeps customers.

    So now the toss up is between Marathon Pluis and the Travel Contact. Opinions please

    Last edited by Rayxt; 02-23-08 at 12:56 AM.





    29/03/2017

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