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

#cheapest way to travel
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What Is the Cheapest Way to Travel to Europe?

Consolidators

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

Open-Jaw

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

Travel Agencies

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

Chartered/Courier Flights

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

Trains

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





15/11/2017

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

#cruise travel insurance
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Insuring Your Cruise

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

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

Medical Care

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

Emergency Medical Evacuation

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

Baggage Loss or Baggage Delay

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

Identity Theft

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

Financial Default

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

Hurricanes and other Inclement Weather

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





15/11/2017

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What Need to Know Before You Travel to Puerto Rico #travel

#travel to puerto rico
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What Do You Need to Know Before You Travel to Puerto Rico?

Will my cell phone work?

Yes, your cell phone should work in San Juan and most of the cities.

Will I need to convert money?

No. The dollar is the only currency you’ll need.

Do I need to know Spanish?

Both Spanish and English are the official languages of Puerto Rico. In the big cities and in the islands of Vieques and Culebra, you can get by without a word of Spanish. The people who work in the tourist trade—waiters, shopkeepers, guides, etc.—usually speak fluent English. The police are another issue: it’s not easy to find an English speaking cop.

The farther away you move into the less urban interior of the island, the more you’ll need to have some command of the language.

When is the best time to go?

This is a matter of some debate. Puerto Rico has two seasons, and these follow the weather. The peak travel period is December to April, when Americans escaping the winter invade the island by boat- and planeloads. In this season, you’ll pay the highest prices for hotels, and you’d be wise to reserve restaurants and activities in advance. The low season falls between May and November, and this is when travelers can find terrific deals on hotels, airfare, and vacation packages. Of course, June 1 to November 30 is also hurricane season.

Hurricanes are no strangers to Puerto Rico, even though the island has not suffered a Category 4 or 5 storm since the 1930s. Hurricane Georges in 1998 did some damage, but it was the only storm that directly hit the island in the past 60 years. Still, a downgraded tropical storm can ruin your vacation just as effectively as a hurricane. If you’re planning a vacation during this season, make sure to check with the following resources for up-to-the-minute forecasts:

  • The National Weather Service’s Climate Prediction Center provides online statistics and predictions.
  • The Weather Channel offers daily, weekly, and monthly data on every city it covers. You can also call 1-800-WEATHER to hear about up-to-date conditions ($0.95 per call).

Should I rent a car?

Most major national car rental companies have offices on the island, along with many local agencies. The highways are well paved and generally easy to navigate. But before you book your rental, consider the following:

  • Cost – In general, you’ll pay a bit more than the average price of a rental in the U.S. (try the local competition for better rates). You may also be required to pay liability insurance: credit cards that offer auto coverage in the continental U.S. don’t always extend that coverage to Puerto Rico, and your insurance company may not cover the island.
  • What do you want to do? – If you plan to explore the island in depth, you’ll definitely need a car. Also, people traveling to Vieques and Culebra should consider renting a jeep or car once they get there. But, if you are sticking around San Juan, forget the rental. Old San Juan is a walking city, and you can easily get around the city in a taxi or a bus. Parking and traffic can be a nightmare in the city, and a rental might be more trouble than it s worth.
  • Numeric Confusion – For reasons best known to themselves, Puerto Ricans use both miles and kilometers: distances are posted in kilometers, while speed limits are shown in miles. Also, gas is sold in liters, not gallons.
  • Traffic – Puerto Rican motorists are in a great, careening hurry to get places, and the orderly laws of road conduct are more loose guidelines than strict rules here. This makes for a sometimes harrowing experience for timid drivers. If aggressive drivers scare you, a rental might not be your thing.




  • 15/11/2017

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

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    What Information Is Needed to Book an Airline Flight?

    Travel Itinerary

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

    Personal Information

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

    Credit or Debit Card Info

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





    15/11/2017

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

    #arc travels
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    What is an ARC Number?

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

    What is an ARC Number?

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

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

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

    Who Uses an ARC Number?

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

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

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

    The Complexities of ARC Accreditation: Not for Everyone

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

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

    Positives of Having an ARC Number

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

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

    Closing

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

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





    15/11/2017

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    Hilton Scores a Victory Over Online Booking Sites, and What It

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    Hilton Scores a Victory Over Online Booking Sites, and What It Means for How Travel Will Be Booked

    by Gary Leff on December 1, 2015

    United Airlines used to offer last minute e-fares on their website, but stopped because they ran afoul of agreements with computer reservation systems to always display the best available fares through those sites.

    Paying the computer reservation systems is costly, it s cheaper when airlines sell to you directly, so they used to offer bonus miles for doing so. And paying the online travel agencies is costlier still. Even though few airlines base commissions any longer (although Alitalia just re-introduced 1% commissions in Italy) they do pay based on volume.

    Airlines have long paid less to the online travel sites than hotels. So hotels have gone to greater lengths than airlines in trying to get customers to book direct. Generally when you book on Expedia you still earn frequent flyer miles for your flights, and are eligible for elite status accrual and elite benefits. (Although it may not always be as clear what restrictions apply to the fares you re buying.)

    Hotels on the other hand have:

    • Restricted points-earning (Hilton s official policy is no points at all, even for incidentals during your stay, when booking through a third party)
  • Restricted status-earning (major chains won t let your stay booked through most third parties count towards gaining or retaining status)

  • Restricted elite status benefits (Though Hyatt and Marriott generally honor elite status on third party bookings, other major chains do not)
  • During periods with hotel occupancy low, the OTAs had the greatest leverage. The major chain hotels were paying over 20% commissions, perhaps 25%, and independent hotels easily paid 40%.

    But those commissions have been falling. With hotels full they have a stronger bargaining hand. They re able to pay lower commissions, and negotiate other favorable terms.

    Hilton reports that it has successfully concluded better deals.

    [Hilton CEO Chris] Nassetta said Hilton Worldwide won the right to lower the commissions it pays to online travel agencies such as Expedia and Booking.com.

    Hilton Worldwide managed to eliminate last-room availability clauses and won the right to offer preferential pricing — lower rates than it gives to online travel agencies — to certain members of the hotel chain’s loyalty program, Nassetta said.

    “We are done with all of our OTA negotiations, and we achieved our goals in every one of those pillars,” Nassetta said.

    This likely explains Hilton testing discounts for HHonors members since they don t have to offer those same rates through online booking sites and can use those to incentive lower direct booking expenses.

    Airlines, too, continually squabble with the online sites and computer reservation systems over how their fares are distributed. Lufthansa is currently imposing an extra charge for tickets through these systems, which makes them less competitive. It s hard to sort out the effect it has had on the airline, because their sales have also been affected by strikes. Airlines want online travel sites to work through their own, less expensive, direct channels. And they want everyone selling their ancillary products, at the lowest cost to the carrier.

    When we see Expedia buy Orbitz after buying Travelocity we shouldn t just think of them as making consumer unfriendly moves, we should think of them as:

    1. Trying to preserve some of their leverage against travel providers who are eroding their margins.
  • Making defensive moves in anticipation of Google disrupting their business model.
  • That isn t to say that consolidation in the online booking industry is consumer-friendly. And consumer experiences vary. But online travel agency sites are hardly gaining market power .

    More From View from the Wing





    06/11/2017

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    What Do Termites Look Like? – Kill Termites Guide #what #do


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    What Do Termites Look Like?

    Last updates October 1, 2016:What do termites look like. Identifying termites is the first important step in combating them. Did you know what termites look like yet?

    As many of you know, termites can cause significant damage to your home and property. That’s why you’re trying to kill them. But how to kill termites if you ever don’t know what termites look like. This post will help you answer that question in detailed.

    So, What Do Termites Look Like?

    Termites are soft-bodied insects, typically brown, gray, or white in color, and they live in colonies where each member has its own special role. Termites look similar to ants. In fact, most people describe termites as white ants. They have difficult when telling the difference between termites and ants. but this picture below can help you identify termite very easily:

    What do termites look like? Image Credit by WikiHow

    Look at the picture, you have seen that termites have soft bodies and do not have any body armor. Their bodies are wide from head to abdomen and are divided into three main parts: head, thorax and abdomen.

    • On their head, termites have a distinctive pair of straight antennae that look like small beads connected together (in comparison, ant’s antennae is bent into an elbow shape). Termites have no eyes, so they do everything by scent and feel!
    • The thorax is subdivided into three segments and is the part of the body where movement is based. Termites have three pairs of legs one attached to each segment on the thorax (Termite Swarmers have 4 equally sized wings that are double of its body) .
    • The abdomen of termites is where the digestive, respiratory, circulatory and reproductive systems are located.

    It’s better if you take your time to learn on what termites look like by checking these termites pictures below.

    Drywood Termite illustration

    Formosan Termite illustration

    Subterranean Termite illustration

    Large Subterranean Termite Colony

    Subterranean Termite infestation

    There are over 2700 different species of termites on the world and 45 species have been found in the United States. Each species has a different characteristic. They vary in size (termites can range from 1.6 to 12 millimeters inch in length) organization structure, nutritional characteristics but they have in common is building nests and living in a colony .

    The termites colonies consists of several groups: termite soldiers, termite swarmers, and termite workers.

    What Termite Soldiers, Termite Swarmers, Termite Workers and Termite Queens Look Like?

    Termite workers illustration

    Termite workers have small body and limb to develop. Termite workers have the largest number, about 70-80% in termite colonies. They shoulder all the work in the colony as nest building, road construction, transfer the eggs, water suction, feed baby termites In fact, termite workers are responsible for most of the damage termites cause.

    Termite Soldiers illustration

    Termite soldiers look much like worker termites but they have larger heads and pairs well-developed teeth (this is their weapon). They have the responsibility of defending and protecting their colony.

    Pacific Dampwood Termite King (left) and Queen (right) illustration

    Termite queen has an elongated white body, the reproductive section, with a smaller dark head section. She is the largest termite in the termites colonies.

    The king termites look like a dark version of worker termites, but is larger. In the case of Dampwood termites, the difference in size between queen and king termites isn t as great.

    Termite Swarmers illustration

    Termite swarmers are small, black, ant-like head with two white (or gray) wings that give of a slightly violet sheen in the light. They tend to be attracted to light.

    So now you might already know what termites look like. Are you ready to kill them and deal your problem?


    11/10/2017

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


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    State Minimum vs. Full Coverage Car Insurance

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

    The Pros and Cons of Full Coverage Car Insurance

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

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

    The Pros and Cons of State Minimum Car Insurance

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

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

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

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

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

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

    Should You Buy Minimum or Full Coverage Car Insurance?

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

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

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

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

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

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

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

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

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    10/10/2017

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


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    Low-cost credit card machines for small business owners

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

    What is a flexible spending credit card

    Start taking card payments now

    What is a flexible spending credit card

    Credit Card Machines

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

    What is a flexible spending credit card

    Online Payments

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

    What is a flexible spending credit card

    Phone Payments

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

    We re no ordinary Merchant Services Provider.

    • What is a flexible spending credit card

    Award Winning Merchant Services

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

    Our Customers

  • What is a flexible spending credit card

    More than just Card Machines

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


    10/10/2017

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


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    Clinical Psychologist Centurion

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

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

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

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

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

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

    In addition I also offer:

    Adolescent Psychotherapy Teen Counselling

    Adult Psychotherapy and Counselling

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

    Christian Clinical Psychologist in Centurion

    Dr Kobus Coetzee

    Clinical Psychologist Existential Psychotherapist

    Schedule Appointments

    Growing in Grace Podcast

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    Thoughts on Existence

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    01/10/2017

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    What – s the Difference Between Accredited – Non-Accredited Degree Programs?


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    What’s the Difference Between Accredited & Non-Accredited Degree Programs?

    Bob’s College of Engineer Knowledge may lure you in with promises of chips and salsa in the study lounge, but will it get you a job at NASA? Probably not. NASA wants people who have graduated from an accredited engineering program because these programs had to prove their worth. Keep reading to learn the difference between accredited and non-accredited degree programs.

    What Is Program Accreditation?

    To become accredited, a program has to prove that it meets or exceeds the industry standard. For most fields, there are one or several organizations of seasoned professionals who create these quality measurements. For example, if you did want to study engineering, you’d want a program that was accredited by ABET (formerly the Accreditation Board for Engineering and Technology). This board examines not only the program curriculum, but also the quality of learning you’ll receive in your course of study.

    Important Facts About Accredited Degree Programs

    Associate’s, bachelor’s, master’s and doctoral degrees available

    Varies, depending upon intended institution of enrollment; associate and bachelor degree programs typically require a high school diploma, or equivalent

    Types of Accreditation

    Regional (traditional universities) and national (usually career and technical schools)

    Management analyst, teacher, web developer, art director, engineer, surveyor, database administrator, technical writer, compliance officer

    Downfalls of Non-Accredited Programs

    Non-accredited programs might not help you meet your advanced education or career goals. Some graduate programs won’t allow you to apply unless you have an associate’s or bachelor’s degree from an accredited program, so if you choose a non-accredited program for undergraduate studies, you’ll have to start all over. Depending on your career choice and geographic area, you might need to prove that you graduated from an accredited program to apply for a license to work in your profession. The same is true for some certification programs.

    How to Find Accredited Programs

    You have a couple options when looking for program accreditation. You can find a school that interests you and search their website for accreditation info, but this may require patience. Some schools place all of their accreditation on a general page, while others list them under individual departments.

    Another route is to locate the professional organizations that accredit programs you’re interested in and see which schools have programs accredited by them. Many of these organizations also list programs that have applied and are being considered for accreditation, as well as those that have had their accreditation revoked or suspended. If you need to attend an accredited program, make sure the program you’re interested in is accredited, not just the institution – although you may wish to check whether the institution is accredited by a U.S. Department of Education-recognized agency as well.

    When Non-accredited Programs Can Help

    If you are determined to get your bachelor’s degree in an esoteric field like architectural gingerbread appreciation, you probably won’t find a professional standards organization to accredit a program. Schools generally can’t apply for program accreditation until at least one student has acquired a degree, so if you want to attend a school that’s otherwise reputable and is beginning a new program, you can actually help them with the process. If you already have a career or don’t need the degree for immediate career purposes, a non-accredited program can still be a personal educational experience.


    01/10/2017

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


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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

    So, what about Planned Parenthood?

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

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

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

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

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

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

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

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

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

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

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

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

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

    Why Guys Need To Go On More Man Dates


    30/09/2017

    Posted In: NEWS

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


    #

    Managed Print Services

    Why you need Managed Print Services?

    Watch MPS Video

    Benefits of Managed Print Services

    Work with Green Office

    What is Managed Print Service?

    What is a Print Strategy?

    What is a Print Assessment?

    What is Total Cost of Ownership?

    Our clients

    Cartridges

    Leaders in cartridges solutions

    Let us collect your cartridges

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    Software

    Custom document
    management software

    Community

    Empowering people
    through sustainability

    Serving the community

    Get involved

    Green Office News

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

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

    About us

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

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

    Our Values

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    30/09/2017

    Posted In: NEWS

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

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


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    Life Insurance Cost

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

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

    Factors That Affect Your Life Insurance Costs

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

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

    The Average Cost of Whole Life Insurance

    The following average costs were calculated using the following assumptions:

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

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

    The Average Cost of Term Life Insurance

    The following average costs were calculated using these assumptions:

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

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

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

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

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

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

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

    How to Lower Your Life Insurance Costs

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

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

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

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

    End of box


    28/09/2017

    Posted In: NEWS

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


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

    Informativa sull’uso dei cookie

    aggiornata al 23/03/2015

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

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

    CHE COSA SONO I COOKIE ?

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

    QUANTI TIPI DI COOKIE ESISTONO?

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

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

    I cookie tecnici possono essere ulteriormente distinti in:

    Cookie di Navigazione. che garantiscono la normale navigazione e fruizione del sito web (permettendo, ad esempio, di realizzare un acquisto o autenticarsi per accedere ad aree riservate);

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

    Cookie di Funzionalità. che permettono all’utente la navigazione in funzione di una serie di criteri selezionati (ad esempio, la lingua, i prodotti selezionati per l’acquisto) al fine di migliorare il servizio reso allo stesso.

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

    I cookie possono, ancora, essere classificati come:

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

    Cookie Persistenti. i quali – a differenza di quelli di sessione – rimangono all’interno del browser per un determinato periodo di tempo. Sono utilizzati, ad esempio, per riconoscere il dispositivo che si collega al sito agevolando le operazioni di autenticazione per l’utente.

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

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

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

    QUALI COOKIE UTILIZZA www.icelscpa.it?

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

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

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

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

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

    Non utilizziamo invece cookie di profilazione.

    QUALI COOKIE SPECIFICI USA www.icelscpa.it?

    In questo sito utilizziamo i seguenti cookie tecnici di prima parte

    Durata dei cookie

    Alcuni cookie (cookie di sessione) restano attivi solo fino alla chiusura del browser o all’esecuzione del comando di logout. Altri cookie “sopravvivono” alla chiusura del browser e sono disponibili anche in successive visite dell’utente.

    Questi cookie sono detti persistenti e la loro durata è fissata dal server al momento della loro creazione. In alcuni casi è fissata una scadenza, in altri casi la durata è illimitata.

    Gestione dei cookie

    L’utente può decidere se accettare o meno i cookie utilizzando le impostazioni del proprio browser.

    Attenzione. la disabilitazione totale o parziale dei cookie tecnici può compromettere l’utilizzo delle funzionalità del sito riservate agli utenti registrati. Al contrario, la fruibilità dei contenuti pubblici è possibile anche disabilitando completamente i cookie. La disabilitazione dei cookie “terze parti” non pregiudica in alcun modo la navigabilità.

    L’impostazione può essere definita in modo specifico per i diversi siti e applicazioni web. Inoltre i migliori browser consentono di definire impostazioni diverse per i cookie “proprietari” e per quelli di “terze parti”.

    Privacy


    26/09/2017

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    Licensed, Bonded, and Insured – What Does That Really Mean? #what


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    Licensed, Bonded & Insured – What Does That Really Mean?

    The old saying, “If it sounds too good to be true, it probably is,” can be especially true when hiring a contractor. Competition is fierce in the construction business and the consumer is in a good position to demand quality work at a fair price. But skimping on credentials is not the best way to get a job done cheaply. Hiring a contractor that is not licensed, bonded, and insured places the consumer at significant risk and can cost thousands more in the long run.

    So what exactly does it mean to hire a licensed, bonded, and insured contractor?

    LICENSED – The Washington State Department of Labor & Industries requires contractors be licensed as either a general contractor or a specialty contractor, like drywall or painting. Licensed electricians, plumbers, elevator mechanics, and manufactured home installers require special certification, in addition to a license. The contractor’s license number must be posted on any marketing materials such as their website, business card, or print advertising. Anyone can visit the Department of Labor & Industries website and search for a contractor by name or license number. This search will tell you if their license and insurance premiums are current and if they have any judgments against them, as well as a lot of other information. Once licensed the contractor is bound to comply with state building procedures and standards. If a property owner hires a contractor that is not licensed, they may not be protected by state policies. There is often very little that can be done if an unlicensed contractor disappears from a partially completed job or does a job incorrectly. News stories are seen regularly of contractors disappearing with deposits or full payment in some cases, botched jobs requiring even more money to re-do them correctly, and sometimes much worse. In a down economy such as we are experiencing, many contractors have been forced for monetary reasons to let their license lapse. Construction companies have laid off many of their crew. These circumstances have resulted in many unlicensed contractors and construction crew willing to work for less and to be paid in cash.

    BONDED – Contractors licensed in Washington State must be bonded. A bond is essentially a pre-paid savings account with a bank or insurance company that sets money aside in the event a project is not completed according to the contract between the property owner and the contractor. This bond or agreement, binds the contractor to the contract with the property owner. If the work is not completed according to the contract the bond will cover any expenses (up to the bond amount) required to complete the job satisfactorily. General contractors are required to hold a $12,000 bond and specialty contractors a $6,000 bond. If the project is expected to exceed these amounts, the property owner can ask the contractor to post a performance bond . A performance bond covers the full cost of the project and guarantees the property owner compensation for any monetary losses if the job is not completed according to contract. Only the property owner can make claims against a performance bond but it is important to ensure the contract is very specific about the work to be completed.

    INSURED – Licensed contractors in Washington State must also have general liability insurance. Minimum requirements include $50,000 in property damage and $200,000 in public liability, or a $250,000 combined single limit policy. Damage to persons or property due to contractor negligence may be covered by this policy. In some cases, the property owner could be held liable for personal injury if the contractor does not have insurance. If the contractor has employees they are required to have a workers compensation and industrial insurance policy. Contractor employees injured on the job would be covered by this policy. To verify if a particular contractor’s employees are covered, first pull up the contractor details and click on the link to Verify Worker’ Comp Premium Status .

    In addition to working with a licensed, bonded, and insured contractor, there are several other steps to ensure your home improvement project goes smoothly. Having a clear understanding of what you want done is important. The contractor must have a good understanding of your needs and wishes to provide a comprehensive bid and scope of work. This is especially helpful when interviewing multiple contractors to ensure estimates actually compare apples for apples. Speak with several qualified contractors and evaluate their written bids. A comprehensive estimate should include a scope of work, materials needed/agreed upon, subcontractors to be used, estimated time to complete the project, price, permit fees, payment terms, warranties, and procedures for change orders. For residential jobs over $1000, the contractor must provide the property owner a Disclosure Statement outlining the customer’s rights and responsibilities and information regarding liens. Once you narrow down your choices, speak with several references, particularly of jobs that are similar to yours. If possible, visit a job in progress. Once you have decided on a contractor and the project begins, meet with the contractor regularly. Make sure work is progressing according to the contract and schedule. Check that the proper permits have been obtained and required inspections are conducted. Once the project is completed, do a final walk-through with the contractor and make sure any pending items are completed before making final payment. If you request lien release documents, avoid making final payment for work performed until you have received the lien release.

    Habitat For Humanity

    Habitat for Humanity is a nonprofit organization that builds or renovates housing in partnership with families who meet their criteria and qualify for homeownership. Each home is built through volunteer labor and donations of money and materials, alongside and with the help of the partner families. Do you want to get involved? Volunteers are always welcome. Providing general labor (no prior experience required!) and administrative assistance is a fun and interactive way of getting involved. Donations of building materials and household appliances are always needed. And of course tax-deductible monetary donations are always welcome.

    Contractor Hotline is excited to be part of this humanitarian effort. Beginning January, 2010 we have committed to volunteer one Saturday per month at the current construction site in Everett. Call Cari at 425-775-9085 for our work schedule if you would like to join us! Starting April 1, 2010 we will also donate a portion of our proceeds from each completed job directly to Habitat for Humanity. So every job you have completed through our services will help benefit Habitat for Humanity!

    Contractor Hotline LLC

    Organize the garage or storage area

    Clean up the yard

    Referral Appreciation Program

    Many of our satisfied customers are spreading the word, helping to connect their friends and family with reliable contractors and helping us grow and be available to meet your needs. To express our gratitude we are pleased to ‘give back to you’ for any referral that results in completed work. For new customers referred that result in $500 or more per business transaction, you will receive a $25 American Express cash gift card. For new customers referred that result in anything less than $500 per business transaction, you will receive a $10 Starbuck’s gift card. Contact us directly with your referral’s information, or simply ask them to mention how they found out about us.


    23/09/2017

    Posted In: NEWS

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


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    Gap insurance explained

    Gap insurance explained

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

    What is Gap insurance?

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

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

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

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

    What are the different types of Gap insurance?

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

    Finance Gap insurance

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

    Return to invoice Gap insurance

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

    Vehicle replacement Gap insurance

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

    Return to value Gap insurance

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

    Lease Gap insurance

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


    23/09/2017

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


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

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

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

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

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

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

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

    Air Trek s Mission Statement:

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

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

    Case Manager
    Fort Myers, FL

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

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

    Family Member
    Hartford, CT

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

    Family Member
    New York

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

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

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

    Family Member
    PA

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

    Family Member
    Chicago, IL

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

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

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

    A sincere thank you, for a job well done.

    Family Member
    Perkasie, PA

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

    Family Member
    Peoria, IL

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

    Family Member
    Trenton, NJ

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

    Family Member
    Pittsburgh, PA

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

    Patient
    Louisville, KY


    22/09/2017

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    Study: Manuka honey kills more bacteria than all available antibiotics, what


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    what kills bees fast

    What kills bees fast

    What kills bees fast

    Not all honey is created equal. While the benefits of raw, unprocessed honey have been well-documented over the centuries, Australian researchers have found one type of honey, called Manuka honey, to be better than all known antibiotics.

    Study: Manuka honey kills more bacteria than all available antibiotics

    Manuka honey is produced by bees that forage on the nectar of Leptospermum Scoparium, or New Zealand’s Manuka bush, as well as tea trees, native to Australia and New Zealand only.

    This remarkable type of honey not only effectively kills bacteria, but none of the bugs killed by it have been able to build up immunity. In a world where many of the last resort antibiotics are failing against antibiotic-resistant superbugs, Manuka honey may hold the key to fighting resistance issues, saving thousands of lives worldwide.

    Manuka honey fights superbugs

    Dr. Dee Carter from the University of Sydney’s School of Molecular and Microbial Biosciences noted that antibiotics not only have short shelf lives, but the bacteria they attack quickly become resistant as well, making them useless over time.

    The report, published in the European Journal of Clinical Microbiology and Infectious Diseases, claimed that Manuka honey killed almost every bacteria and pathogen it was tested on. Unlike all antibiotics available on today’s market, none of the bugs tested were able to survive the honey treatment.

    According to Dr. Carter, there are particular compounds, like methylglyoxal, in the Manuka honey that cause multi-system failure in the bacteria, killing them before they are able to adapt and build up immunity.

    What Manuka honey can do for you

    Manuka’s biological properties range from antioxidant, anti-inflammatory, antibacterial, antiviral, antibiotic and wound healing, to immune-stimulatory. However, what separates Manuka honey from the rest is that its antibacterial powers challenge even the toughest superbugs, such as the life-threatening methicillin-resistant Staphylococcus aureus (MRSA).

    Manuka honey is marketed for cancer treatment and prevention, high cholesterol, chronic inflammation, diabetes, the treatment of gastrointestinal problems, and eye, ear and sinus infections. However, it might be most useful in treating skin wounds and leg ulcers.

    According to one study, published in the scientific journal Peer J, chronic wounds are becoming a major global health problem, due to antibiotic resistance issues. They are costly and difficult to treat, and bacterial biofilms are important contributors to the delay in healing. There is an urgent need for new, effective agents in topical wound care, and honey has shown some great potential in this regard.

    For their study, researchers reviewed Manuka honey in particular as an alternative treatment for wounds because of its broad-spectrum antibacterial activity and the inability of bacteria to develop resistance to it. Their study indicated that honey might prevent bacterial biofilms and eliminate established biofilms. Furthermore, they reported that Manuka honey could successfully be used to kill all MSSA and MRSA biofilms in a chronic wound, supporting the use of this type of honey as an effective topical treatment for chronic wound infections.

    In recent years, word of the biological benefits of Manuka honey has spread to every corner of the world, turning it into one of the most popular superfoods out there. Its fame and the over-demand, however, have caused shortages, resulting in fake, usually cheaper, products to enter the market. So, if you are going to spend your money on honey to reap its benefits, make sure you are buying the real thing.

    What kills bees fast

    What kills bees fast What kills bees fast

    A quick note from our founder-

    Over the past year, my friend Dave at PaleoHacks has been working on a secret cookbook with world-renowned Le Cordon Bleu chef Peter Servold.

    Well, today this new this new incredible Paleo Cookbook is finally available to be shipped right to your door for FREE

    That s right as a special launch promotion, we re offering our brand new Paleo fat loss cookbook to you for free (Chef Pete lost 60 lbs using these recipes!) All you have to do is just cover a small shipping cost (international shipping is a bit more).

    Get your FREE copy of Paleo Eats Here. (Grab this today, because we only ordered a small batch of these cookbooks for this freebie promotion, and they will sell out FAST!)


    22/09/2017

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


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    what is the capital of washington state

    What is the capital of washington state

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

    Local Government Portal

    What is the capital of washington state

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

    Latest News

    What is the capital of washington state

    State funds efforts to help homeless schoolchildren, families

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

    What is the capital of washington state

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

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

    What is the capital of washington state

    Washington is America s Top State for Business in 2017

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

    What is the capital of washington state

    Southeast Washington Coalition receives 2017 Governor’s Smart Community Award

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

    What is the capital of washington state

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

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

    What is the capital of washington state

    State companies enter deals, key relationships at Paris Air Show

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

    What is the capital of washington state

    Commerce awards $2.3 million for clean energy research and development

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

    What is the capital of washington state

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

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

    What is the capital of washington state

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

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

    What is the capital of washington state

    Commerce selects Disability Rights Washington to provide new state ombuds services

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


    22/09/2017

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


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    Title Reps: Marketing Rep vs Sales Rep

    Marketing Rep VS Sales Rep

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

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

    Title Reps: The Marketing Rep

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

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

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

    Title Reps: The Sales Rep

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

    Title Reps: Which Do You Need?

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

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

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

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

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

    Related Posts:

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

    http://mytitleguy.com/ Stephen Garner

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


    22/09/2017

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    Environmental Science Degree Online – Bachelors of Science – University of


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    Bachelor of Science in Environmental Science

    This program is not available based on your location. Please edit your location above or search for an alternative program that is available in your current location.

    Campus Locations

    If you prefer face to face interaction, there’s a good chance we have a campus location near you.

    The Bachelor of Science in Environmental Science offers the interdisciplinary education you need to become a well-rounded professional and start making a difference in the world. With a science background, you can prepare for unique roles in government or the private sector, helping combat today’s environmental challenges.

    This curriculum — through courses that cover current environmental events, concerns and controversies — will help you develop a deep understanding of how scientific principles and the environment impact each other. You’ll study topics like biology and chemistry and take courses that reveal the nuances of environmental issues like environmental law and risk assessment. Additionally, you’ll expand your critical thinking, information utilization and analytical skills.

    If you’re looking to help governments or businesses tackle environmental issues or prepare to pursue a graduate degree, explore the program offerings and information below to see how this program can help.

    Requirements and prerequisites

    You’ll need XXX credits to complete this program, which may be earned from a combination of required and elected courses. However, required courses may vary based on previous experience, training or transferable credits. View general requirements.

    There are no prerequisites for this course.

    Get started here

    Introduction to Environmental Sciences

    00:17 Are you looking for a career that reflects that passion?

    00:20 How much do you know about environmental science and its related careers?

    00:24 Let’s explore the field and talk a little about what you can expect from a bachelor’s degree in environmental science from University of Phoenix.

    00:31 Environmental science is an exciting area that brings together the natural sciences, environmental law, policy, and ethics to improve the way we interact with our world.

    00:39 Throughout your degree program, you’ll learn about environmental protection, restoration, sustainable energy, and pollution control.

    00:46 Increasing interest in environmental issues, combined with a growing need for sustainability, have expanded opportunities in this already thriving field.

    00:54 Let’s take a look at some of the areas you’ll be learning about.

    00:57 Ecology is the study of the interaction between living things and the environment.

    01:02 Through research, ecologists provide vital information for the preservation and restoration of species and landscapes.

    01:10 This basic information is essential for land managers and policymakers as they make decisions regarding species and ecological communities.

    01:18 There is currently a huge need for this research.

    01:20 Only 15 percent of species in the United States have been studied accurately enough to judge whether they’re endangered.

    01:25 At a time when extinction rates are on the rise, understanding the ecology of species and landscapes is essential to their preservation and restoration. 01:34 A career in ecology might take you to a private consulting firm or government agency.

    01:38 You may help monitor plant and animal communities, restore degraded landscapes, or provide data for construction and other projects to ensure they’re environmentally safe.

    01:47 Keeping our environment safe isn’t always easy.

    01:50 Pollution affects our ecosystem and human health.

    01:54 Fortunately, efforts over the last 50 years, including the Clean Air and Clean Water Acts, have reduced the release of pollutants in the atmosphere and waterways.

    02:02 Prior to the Clean Water Act, only one-third of waterways in the United States were clean enough to swim in. 02:07 Forty years after the act’s passage, 65 percent of waterways are safe for swimming.

    02:12 This is thanks in part to the work of environmental scientists employed both by industry and agencies to ensure compliance with the law.

    02:18 Jobs in pollution monitoring and mitigation include stormwater and wastewater management.

    02:23 In these careers, you may guarantee compliance by collecting samples in the field for lab analysis.

    02:28 Some positions focus on administrative roles, ensure that projects follow procedures and meet expectations.

    02:35 You may even be asked to create a remediation plan for polluted sites. 02:39 Our society is dependent on energy.

    02:41 Without energy, there can be no electricity, refrigeration, or transport. 02:46 Produce, meats and dairy, could not be shipped.

    02:49 Businesses and hospitals could not operate effectively, and computers cannot function.

    02:55 Energy is essential for our way of life.

    02:58 Over half of our energy comes from nonrenewable fossil fuels, which contribute significantly to air pollution.

    03:04 Coal fired power plants provide an incredible 40 percent of our electricity, making it the single biggest source of air pollution in the United States.

    03:12 Our overdependence on nonrenewable sources has become more apparent in recent years.

    03:17 When combined with the effects of global climate change, renewable clean energies such as hydropower, wind, and solar have become very attractive, but even these energy sources have their drawbacks.

    03:27 Environmental scientists play a role in promoting such clean energies from their positions in industry, nonprofit organizations, and agencies.

    03:36 Potential careers in energy include consulting about energy management and efficiency, as well as ensuring compliance with environmental regulations.

    03:43 An environmental scientist is a critical thinker who analyzes problems, collects and interprets data, and works in teams.

    03:51 You’ll learn how to improve these skills through collaborative and analytical projects.

    03:55 As you pursue your degree, faculty will encourage you to think critically and holistically about environmental issues.

    04:01 You’ll also receive a lab kit for chemistry to provide you with hands on experience in data collection and interpretation.

    04:07 A degree in environmental science will allow you to use your passion for the environment in the best ways possible.

    04:12 There are many opportunities in this field, and they can all make an impact in the protection of the environment.


    21/09/2017

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    What are Self-Paced Online Degree Programs? #self #paced #mba, #what #are


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    What Are Self-Paced Online Degree Programs?

    Self-paced online degree programs allow students to set their own academic schedules, while traditional online programs typically follow an academic schedule set by the school. That’s why a self-paced program might appeal to working professionals and others who need flexibility when taking classes. Read on to learn about these programs.

    Self-Paced Online Degree Programs Overview

    Self-paced online degree programs are designed for students who may find full-time, on-campus programs hard to fit into their busy schedules. You can find online undergraduate and graduate degree programs in a large number of disciplines. Lately, online degree programs have started being offered from a variety of educational institutions, such as two-year technical and community colleges, as well as four-year universities. A few of the basic attributes of self-paced online degree programs include the ability to study at one’s own pace and the online delivery method.

    Important Facts About Self-Paced Programs

    Undergraduate and graduate certificates, bachelor’s and master’s degrees

    Engineering, computer science, business administration, human resources management, global studies and others

    Some programs require brief in-person residencies

    Self-Paced Progress

    Unlike traditional university programs, self-paced online programs give students the flexibility to make their own schedules with regard to lessons and class assignments. Working professionals can benefit from self-paced programs because the pursuit of an education follows their own time schedule. Students can study in the evenings, on weekends or whenever their schedule permits. Most programs allow students to work on one or more courses simultaneously. While some programs have certain completion time limits, such as 6- or 12-week terms for instance, others may be more flexible.

    Online Coursework and Interaction

    One of the benefits of a degree program offered online is the ability to complete coursework via the Internet. A personal computer and Internet connection is all that’s required to easily access class materials. This includes study guides, exams and supplemental materials. Students can also use their computers to interact with fellow students and faculty via email or online forums. Such Internet communication makes it possible for students to ask questions and engage in a dialogue, just as they would in traditional, on-campus courses. Contemporary online teaching methods include video tutorials, live chats, online quizzes and online classroom discussions.

    Other Benefits

    Some self-paced online degree programs allow you to pay as you go and only pay for the courses you’re currently taking. Since you’re typically charged by the course at the time of enrollment, you have greater flexibility in arranging your education in accordance with financial demands. Also, because online degree programs are often extensions of on-campus programs, the same professors who teach on-campus courses often teach the online sessions. And, these courses often include the same texts and learning materials.

    The schools below may include sponsored listings
    but are popular choices among our users.


    13/09/2017

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    What Can I Do with an Associate – s Degree in


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    What Can I Do with an Associate’s Degree in Elementary Education?

    Completing an associate’s degree program in elementary education may prepare graduates for a job as an elementary school aide, or it may just be a precursor to earning more education in the field. Read on to find out what options are available to graduates of an associate’s degree program in elementary education. Schools offering Elementary Education degrees can also be found in these popular choices.

    What is an Associate’s Degree in Elementary Education?

    Most elementary school teachers are required to have at least a bachelor’s degree, as a 4-year degree is needed to gain teacher certification in most states. For this reason, an associate’s degree in elementary education alone cannot provide individuals with the academic credentials necessary to work as educators in public and private schools. However, many community colleges still offer 2-year, associate’s degree programs in elementary education. While these programs alone cannot prepare students to become teachers, they can prepare them for other opportunities.

    While enrolled in an associate’s degree in elementary education, students should learn the basics of primary education. They may examine a variety of topics, including educational techniques and classroom technology. Graduates of such a degree program may enter the educational workforce as teaching aides or assistants or pursue higher education in a related field. Below are a couple of employment and educational options available to those with an associate’s degree in elementary education.

    Important Facts About Teacher Assistants

    Median Salary (2014)

    Job Outlook (2014-2024)

    Communication skills, patience, and resourcefulness

    Career and technical education teachers, childcare workers, library assistants

    Source: U.S. Bureau of Labor Statistics

    Become an Elementary School Aide

    Elementary school aides, sometimes referred to as teacher aides or assistants, are responsible for assisting teachers with a wide range of classroom tasks. These tasks allow teachers to focus their energy on planning and implementing lessons. Aides may help move students between school locations, supervise students and prepare materials for classroom lessons. In some cases, aides may assist in the grading of projects and homework. Although many aides only hold high school diplomas, some states require aides to hold degrees from accredited 2-year college programs.

    Earn Further Education in the Field

    Many graduates of associate’s degree programs in elementary education can choose to continue their studies at a 4-year university. Credits earned in such a program may be applied toward a bachelor’s degree program in the field. Bachelor’s degree programs build upon the knowledge gained in associate’s degree programs and help prepare students to pass a teaching certification exam. Teachers may continue their education by earning a master’s degree in elementary education or in a more specific field. In general, a higher education level translates into higher pay.

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


    13/09/2017

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    Nurses do not wake up each morning intent on delivering poor


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    Nurses do not wake up each morning intent on delivering poor care.

    Today marks the end of Christina Patterson’s investigation into the worrying state of British nursing. Throughout the week, readers’ responses have been extraordinary – ranging from moving first-hand testimonies to thought-provoking suggestions for change

    • Friday 13 April 2012 23:00 BST

    Poor care is due to systemic failings, not the nurses

    When people discuss their experiences of poor care, there is little one can say in defence, it’s their experience and no one else’s. I can’t deny for one moment that poor care happens. Every single instance is tragic and utterly unacceptable. However, when a problem is alleged to be systemic, as Christina Patterson appears to argue, one must look at the system and not simply the individuals at fault.

    Despite political rhetoric to the contrary, deep budget cuts are being made right across the NHS. Tens of thousands of jobs are being stripped from the front line, and when nurses leave or retire, they aren’t being replaced. What does this mean for the team working on an older people’s ward that used to be staffed with five nurses, and now has to cope with three? It means that the 20 or so patients on the ward cannot physically get the attention they all need, that those who need help at mealtimes may not get it and that, despite the best intentions, standards slip.

    The nurses of this country do not wake up each morning intent on delivering poor care – it just doesn’t happen. What does happen is that systemic failings bring about individual cases of poor care. We need to openly discuss the factors that are currently making a nurse’s life very difficult indeed.

    Chief executive general secretary, Royal College of Nursing

    No wonder so many Brits come to work in Canada

    After 30 years as a nurse, nothing surprises me and I know there will always be bad nurses, although happily at the hospital I work they are the exception. Part of the problem is the abysmal wages in the UK. When I saw the pay scale I understood why so many British nurses emigrate to Canada to work. The wages are appalling given the intensity and difficulty of the work and the educational requirements.

    I’ve had only superb care: is it because I live in a rural area?

    I have been treated for two years for breast cancer by my local NHS Trust, and I have had superb care from all staff: oncologists, MacMillan nurses, nurses on the breast ward, radiotherapy centre and associated services such as X-ray, my GP, transport by ambulance or volunteer drivers, counselling, and appointment clerks.

    So why is my experience so different from that reported? I believe it is because I am being treated in a rural area – Cumbria, with relatively small hospitals and clinics – not in a pressurised urban area where care is delivered via huge institutions. I don’t want a Big Society, I want a Small Society, where people – professionals and patients – can foster genuine relationships in a caring environment.

    Let’s build on what’s good I will be retiring from the profession at the end of April after 42 years as a nurse . It has been my privilege to have worked with nurses who are committed and compassionate, putting patient care at the heart of their decision-making. Please let’s look at what’s good about the profession and build upon that, instead of assuming that we all need to develop a new “culture of compassion”.

    Missing managers and cliques of self-serving staff

    Some practitioners have all the qualifications anyone could ask for, but lack any empathy. Some are even vindictive, as I can attest. In the vast majority of my contact with hospitals, the person in charge is never seen and does not supervise in any way. The main observation I have, though, is that most of the poor staff exhibit massively childish behaviour. My question is why these people are ever offered training in the first place, as they have no ability to deal with themselves let alone vulnerable patients. They form nasty, gossipy little self-serving cliques, and woe betide anyone who tries to enforce professional standards. I observe that hospital managers are paid handsomely. What for?

    A missed opportunity Christina Patterson’s excellent series highlights the disaster of the abolition of State Enrolled Nurses. The NHS now relies on thousands of healthcare assistants to care for NHS patients under registered nurse supervision.

    Many healthcare assistants do a great job but there is no uniform training. A healthcare assistant dismissed for poor standards in an NHS hospital one day, can turn up working in a private nursing home the next.

    In the Lords, in debate on the Health and Social Care Bill, Labour Peers strongly supported the statutory regulation of healthcare assistants. This was voted down by Coalition Peers. A great pity and a real missed opportunity to boost standards.

    Lord Philip Hunt

    Shadow Deputy Leader, House of Lords

    Care and practical skills must count for more than NVQs As a recently retired Charge Nurse, and having worked in the caring profession since the 1970s, I believe I can offer a perspective on the “crisis in British nursing” today.

    When applying for a position within this field, I was able to say that I wanted the job because I enjoyed working with others, and actually wanted to help people, see their situations, and improve their recovery. More recently, individuals with career aspirations in the nursing sector are encouraged to place emphasis on the NVQ’s or diplomas that they have, since managers and senior staff are primarily interested in what career paths the interviewee is pursuing.

    I used to be an “enrolled nurse”, known in the profession as “the practical nurse”. Sadly, it seems that such skills are no longer valued in nursing. The culture needs to change again.

    Atomised care is a disaster Christina Patterson’s series of articles this week illuminate a vital aspect of healthcare but it is a mistake to view healthcare and its problems in this compartmentalised way.

    Healthcare is, or should be, an intimate commingling of disciplines and not an incoherent assemblage of entities, structures and processes. Atomised private healthcare is the perfect image of a disaster – clinically, practically, financially and ethically.

    Unless and until we have a government truly committed to the welfare of the patients, the decline will continue. This excludes all three conventional parties who are united in their ambition to destroy the NHS.

    “A lot of nurses are scared to think outside the box”

    “Nurses do care. When the press is constantly having a go, it does knock your spirits; everybody gets tarred with the same brush. I’ve seen bad care, but give a fair hearing to the remarkable things that are going on around the country. Knocking the NHS won’t make it better. I’ve come across a lot of nurses who were scared to think outside the box. They were worried that if they did something off the wall, someone would clamp down on them. We need to get nurses fired up, get them to connect with patients more closely and thank them when they do a good job.”

    Jill Fraser, a nurse of 30 years and co-founder of Kissing It Better, a charity that aims to improve patient care

    And, from the many comments posted at independent.co.uk and on Twitter:

    @witchynicky: As a nurse who trained in the 1980s I weep for my profession. Yes, there was much that was overly formal and task-orientated but we took pride in our work. I worked hard and I loved my work. As a patient six years ago, the nurses were cold and uncaring.

    Robert: As a junior doctor working across a number of busy general and specialist medical wards I have been struck by the sheer volume of paperwork which nurses are obliged to complete in order to ensure their ward meets its CQC (Care Quality Commission) targets. Which seems to be a bizarre way to improve care.

    Musabah67: I am a highly qualified nurse who has worked both in public and private hospitals and I was shocked by the poor standard of care when I was suddenly admitted into my local NHS hospital. The experience described in this article is similar to the one I endured and my life was only saved by the fact that I was a nurse and I knew exactly what to do.

    @MariannaNodale: The point is that for one dodgy nurse, there are also 10 brilliant ones on the ward who are impeccable in their care, are sympathetic of patients needs, have an eye for detail and don’t make any mistakes. Yet the 10 good apples don’t negate the bad one.

    @ajgaskin: Patients are only too often ready to complain but fail to acknowledge the good treatment they have received.

    Martin West: I have had two operations for cancer in the last year, at different hospitals in the UK. In the first, the nurses were surprisingly brusque, unfriendly and, at times, bullies – to an extent that shocked me. In the second, they were warm, kind, compassionate and friendly, and I left feeling genuinely cared for. Two hospitals, same NHS.

    Special report: A crisis in nursing


    11/09/2017

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


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    How to tell if your car needs wheel alignment

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

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

    Signs of poor alignment

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

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

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

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

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

    Alignment timeline

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

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

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

    The alignment process

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

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

    Before and after the repairs

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

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

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


    07/09/2017

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


    Business Intelligence

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

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

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

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

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

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

    WebFOCUS BI software will empower your organization to:

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

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


    06/09/2017

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    What are Mutual Funds #define #mutual #fund, #types #of #mutual #funds,


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    What is a Mutual Fund. Types of Mutual Funds in India – Latest NAV and Market Risks

    What are Mutual Funds? Define Mutual Fund / Definition of Mutual Funds ( MF ) in India

    Mutual funds are in the form of Trust (usually called Asset Management Company) that manages the pool of money collected from various investors for investment in various classes of assets to achieve certain financial goals. We can say that Mutual Fund is trusts which pool the savings of large number of investors and then reinvests those funds for earning profits and then distribute the dividend among the investors. In return for such services, Asset Management Companies charge small fees. Every Mutual Fund / launches different schemes, each with a specific objective. Investors who share the same objectives invests in that particular Scheme. Each Mutual Fund Scheme is managed by a Fund Manager with the help of his team of professionals (One Fund Manage may be managing more than one scheme also).

    Where does Mutual Funds usually invest their funds :

    The Mutual Funds usually invest their funds in equities, bonds, debentures, call money etc. depending on the objectives and terms of scheme floated by MF. Now a days there are MF which even invest in gold or other asset classes.

    What is NAV. Define NAV :

    NAV means Net Asset Value. The investments made by a Mutual Fund are marked to market on daily basis. In other words, we can say that current market value of such investments is calculated on daily basis. NAV is arrived at after deducting all liabilities (except unit capital) of the fund from the realisable value of all assets and dividing by number of units outstanding. Therefore, NAV on a particular day reflects the realisable value that the investor will get for each unit if the scheme is liquidated on that date. This NAV keeps on changing with the changes in the market rates of equity and bond markets. Therefore, the investments in Mutual Funds is not risk free, but a good managed Fund can give you regular and higher returns than when you can get from fixed deposits of a bank etc.

    WHAT ARE VARIOUS TYPES OF MUTUAL FUNDS :

    A common man is so much confused about the various kinds of Mutual Funds that he is afraid of investing in these funds as he can not differentiate between various types of Mutual Funds with fancy names. Mutual Funds can be classified into various categories under the following heads:-

    (A) ACCORDING TO TYPE OF INVESTMENTS :-While launching a new scheme, every Mutual Fund is supposed to declare in the prospectus the kind of instruments in which it will make investments of the funds collected under that scheme. Thus, the various kinds of Mutual Fund schemes as categorized according to the type of investments are as follows :-

    (a) EQUITY FUNDS / SCHEMES

    (b) DEBT FUNDS / SCHEMES (also called Income Funds)

    (c ) DIVERSIFIED FUNDS / SCHEMES (Also called Balanced Funds)

    (d) GILT FUNDS / SCHEMES

    (e) MONEY MARKET FUNDS / SCHEMES

    (f) SECTOR SPECIFIC FUNDS

    B) ACCORDING TO THE TIME OF CLOSURE OF THE SCHEME :While launching new schemes, Mutual Funds also declare whether this will be an open ended scheme (i.e. there is no specific date when the scheme will be closed) or there is a closing date when finally the scheme will be wind up. Thus, according to the time of closure schemes are classified as follows :-

    (a) OPEN ENDED SCHEMES

    (b) CLOSE ENDED SCHEMES

    Open ended funds are allowed to issue and redeem units any time during the life of the scheme, but close ended funds can not issue new units except in case of bonus or rights issue. Therefore, unit capital of open ended funds can fluctuate on daily basis (as new investors may purchase fresh units), but that is not the case for close ended schemes. In other words we can say that new investors can join the scheme by directly applying to the mutual fund at applicable net asset value related prices in case of open ended schemes but not in case of close ended schemes. In case of close ended schemes, new investors can buy the units only from secondary markets.

    C) ACCORDING TO TAX INCENTIVE SCHEMES :Mutual Funds are also allowed to float some tax saving schemes. Therefore, sometimes the schemes are classified according to this also:-

    (a) TAX SAVING FUNDS

    (b) NOT TAX SAVING FUNDS / OTHER FUNDS

    (D) ACCORDING TO THE TIME OF PAYOUT :Sometimes Mutual Fund schemes are classified according to the periodicity of the pay outs (i.e. dividend etc.). The categories are as follows :-

    (a) Dividend Paying Schemes

    (b) Reinvestment Schemes

    The mutual fund schemes come with various combinations of the above categories. Therefore, we can have an Equity Fund which is open ended and is dividend paying plan. Before you invest, you must find out what kind of the scheme you are being asked to invest. You should choose a scheme as per your risk capacity and the regularity at which you wish to have the dividends from such schemes

    How Does a Mutual Fund Scheme Different from a Portfolio Management Scheme ?

    In case of Mutual Fund schemes, the funds of large number of investors is pooled to form a common investible corpus and the gains / losses are same for all the investors during that given peirod of time. On the other hand, in case of Portfolio Management Scheme, the funds of a particular investor remain identifiable and gains and losses for that portfolio are attributable to him only. Each investor’s funds are invested in a separate portfolio and there is no pooling of funds.

    Are MFs suitable for Small Investors or Big investors. Why Should I Invest in a Mutual Fund when I can Invest Directly in the Same Instruments

    We have already mentioned that like all other investments in equities and debts, the investments in Mutual funds also carry risk. However, investments through Mutual Funds is considered better due to the following reasons :-

    (a) Your investments will be managed by professional finance managers who are in a better position to assess the risk profile of the investments;

  • (b) In case you are a small investor, then your investment cannot be spread into equity shares of various good companies due to high price of such shares. Mutual Funds are in a much better position to effectively spread your investments across various sectors and among several products available in the market. This is called risk diversification and can effectively shield the steep slide in the value of your investments.
  • Thus, we can say that Mutual funds are better options for investments as they offer regular investors a chance to diversify their portfolios, which is something they may not be able to do if they decide to make direct investments in stock market or bond market. These are particularly good for small investors who have limited funds and are not aware of the intricacies of stock markets. For example, if you want to build a diversified portfolio of 20 scrips, you would probably need Rs 2,00,000 to get started (assuming that you make minimum investment of Rs 10000 per scrip). However, you can invest in some of the diversified Mutual Fund schemes for an low as Rs.10,000/-

    What are risks by investing funds in Mutual Funds :

    We are aware that investments in stock market are risky as the value of our investments goes up or down with the change in prices of the stocks where we have invested. Therefore, the biggest risk for an investor in Mutual Funds is the market risk. However, different Schemes of Mutual Funds have different risk profile, for example, the Debt Schemes are far less risk than the equity funds. Similarly, Balance Funds are likely to be more risky than Debt Schemes, but less risky than the equity schemes.

    What is the difference between Mutual Funds and Hedge Funds :

    Hedge Funds are the investment portfolios which are aggressively managed and uses advanced investment strategies, such as leveraged, long, short and derivative positions in both domestic and international markets with a goal of generating high returns. In case of Hedged Funds, the number of investors is usually small and minimum investment required is large. Moreover, they are more risky and generally the investor is not allowed to withdraw funds before a fixed tenure.

    Some other important Terms Used in Mutual Funds


    Sale Price. It is the price you pay when you invest in a scheme and is also called Offer Price . It may include a sales load.

    Repurchase Price. – It is the price at which a Mutual Funds repurchases its units and it may include a back-end load. This is also called Bid Price.

    Redemption Price. It is the price at which open-ended schemes repurchase their units and close-ended schemes redeem their units on maturity. Such prices are NAV related.

    Sales Load / Front End Load. It is a charge collected by a scheme when it sells the units. Also called, �Front-end� load. Schemes which do not charge a load at the time of entry are called �No Load� schemes.

    Repurchase / �Back-end� Load. It is a charge collected by a Mufual Funds when it buys back / Repurchases the units from the unit holders.

    You can give your feedback / comments about this Article. Please give only relevant comments as irrelevant comments are waste of time for yourself and our other readers.


    06/09/2017

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


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    Defense Media Network

    Air Force One Has New Defensive Systems, Antennas

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

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

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

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

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

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

    Bumps and Bulges

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

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

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

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

    Not new to the VC-25A:

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

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

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

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


    03/09/2017

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    Germany Travel – What to do in Germany #hotel #and #car

    #germany travel
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    Dresden Christmas Markets

    Striezelmarkt Dresden

    When tourists come to Germany, it is usually to one of the larger cities: Berlin for culture, Munich for Oktoberfest, and Hamburg for the delicious fish. Many people skip over the beautiful “Florence on the Elbe,” Dresden. Located about two hours by train south of Berlin, Dresden is a well-connected and beautiful city along the Elbe River. Many Americans will recall the name of this German city from Kurt Vonnegut’s Slaughterhouse Five, but the Germans know one of Dresden’s best kept tourist secrets: the beautiful medieval Christmas markets.

    Stollen at the Dresden Christmas Markets

    One of the most popular delicacies at the Dresden Christmas markets is stollen. This cake, originally made only from flour, yeast, oil, and water, is a Saxon delicacy that can now be found throughout the Dresden Christmas markets. Similar to the American fruitcake (but so much more delicious!), it is now made with anything from marzipan to dried fruits and nuts, and the oil has long since been replaced with butter to make the cakes moist and flavorful. There is a stollen festival during the Dresden Christmas markets every year, where a 3-4 ton piece of stollen is paraded through the town.

    Buying Gifts at the Dresden Christmas Markets

    Some of the most special Christmas gifts can be found at the Dresden Christmas markets. The markets are so large; there is something there for everyone on your Christmas list. German handmade crafts are one of the most popular choices. These can include anything from blown glass ornaments to hand knitted socks and gloves for the winter. At the Dresden Christmas markets especially, the Weinacht Pyramiden, beautiful hand crafted wooden pyramids that showcase different Christmas scenes, are one of the most traditional and beloved gift options.

    Weihnachts Pyramiden at the Dresden Christmas Markets

    Speaking of the Weihnachts Pyramiden, the largest pyramid in Germany can be found at the Dresden Christmas market’s Striezelmarkt. This 14m high wooden pyramid consists of lighted structures, wooden Christmas scenes, and a beautiful spinning fan at the top. It is especially lovely with the background of the Kreuzkirche, a baroque church in Dresden. Dresden’s restored architecture is not to be missed while you’re there—take a stroll around after visiting a Dresden Christmas market!

    Be sure to check out a food tour while you’re in Dresden as well—it’s a great opportunity to get to know a different side of the city.





    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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    What – s New in Travel Websites and Search Engines #africa

    #travel search
    #

    What s New in Travel Websites and Search Engines

    A handful of new travel search engines and other interesting travel resources have popped up recently, aiming to fill the gaps that the bigger companies leave in their wake, clamoring for your business, your travel preferences, and your loyalty (one can hope). We’ve looked at a few of the more promising ones that have emerged.

    By Carrie Havranek

    Even Expedia, Orbitz and Travelocity had to start somewhere. A handful of new travel search engines and other interesting travel resources have popped up recently, aiming to fill the gaps that the bigger companies leave in their wake, clamoring for your business, your travel preferences, and your loyalty (one can hope). We’ve looked at a few of the more promising ones that have emerged.

    The Latest Entrant in the War of the Fare Search Engines

    So, how does it do it? Their patent-pending dynamic pricing engine searches and searches hundreds of sites. (Literally. You have to click a STOP button to cease the search application.) The technology “allows cFares to bring below-market point of sale prices to our members,” explains Vajid Jafri, chairman and CEO of cFares. While the company does not offer a lowest worldwide price guarantee — it’s nearly impossible, they claim — they have devised a name-your-price service called cAgent, which allows members to specify the price they would be willing to pay, and then searches the full airfare inventory, looking for a price below the target.

    “Based on our 20 years in the business, we also think we’ve built a Priceline killer by eliminating the blind buying that consumers hate. Members can see the full itinerary, ticket price and carrier before they buy,” Jafri says. Once it’s been found, a hold is placed on the reservation and members have 24 hours to book, defer or decline the purchase. You can also search hotels and cars as well. The caveat? It’s only available for international travel, and cAgent is still in the beta phase.

    A quick and completely unscientific search comparing cFares and meta searcher Mobissimo (www.mobissimo.com ) revealed each did similar jobs finding a fare for a flight from Newark to Dublin in early April, departing and returning on a weekday. cFares’ cheapest ticket was $459.91 round-trip available via Onetravel.com for a JFK to London to Dublin route, while Mobissimo spat out a $566 fare leaving from first-choice Newark via Frankfurt to Dublin. The first result that included Newark as found on cFares came in under Mobissimo’s find at $479.50 — but, it involved an unnecessarily circuitous route: Newark to Washington, D.C. to London to Dublin, adding an extra leg onto the flight.

    Comparison searches for a flight from New York area airports to Rome in late May found cFares returning it’s lowest fare at $694 for a direct flight. Mobissimo returned a lower fare of $616.42, also on a direct flight. “Platinum” fares on each search of cFares came in at $50 less than the regular result. Our verdict? Add it to your arsenal of search tools, but as always, compare between multiple search engines and individual carriers’ sites.

    The company says it gets its information from wholesalers and consolidators that most travel websites don’t; sites like Expedia and Travelocity both use the Global Distribution Systems, which is accessed by all travel search sites and agencies. Because of time constraints, at press time, my request for a $320 flight round-trip from Newark to Dublin had not been met once I clicked on cAgent, so unfortunately the unscientific research is at best inconclusive.

    A Site to Find the Shortest Route

    Indeed, you can find the fastest route, the latest price and links to airlines and travel agents from the site. In December, the site brought together the capability to search low-cost and traditional airlines, and offer flight combinations if necessary. And just last month, they launched over 6,000 pages of information on cities, airlines, airports, and countries. You don’t book directly through the site; instead, it gives you links to other web sites for airlines, etc. DoHop also enables you to search current travel deals, and sort your results, and prices include what they term “all known booking fees.” You can filter by either departure or destination country or state, and look for deals that way: U.S. Mexico, Europe, Caribbean, Florida, Hawaii, the United Kingdom and “worldwide” are possible terms. A typical search allows you to filter your results by time, stops, airlines, airports, and even aircraft type. Right now, you can’t filter your results by price because the company has only received that information from half of the airlines. “As more airlines get connected, we will be able to sort results by price,” says Sigurjonsson.

    Because most of the users right now are from Europe, the bulk of the carriers are small, low-cost and from Europe. This is potentially a boon for U.S. travelers interested in saving money but who most likely wouldn’t know where or how to search for such deals beyond using the most common, popular travel search engines available here.

    Sidekicks for Hire

    Pivots and Wings (tel. 646/290-6911 ; www.pivotsandwings.com ), named for socially-conscious women and men who have great people skills, was inspired by the film Hitch and the now-infamous book The Game. The company name stems from a situation in which one guy commonly employs another male friend as a wingman in a social situation (such as a bar) to start the conversation going with a woman of interest. Pivots, then, are wing-women who are used in social settings to increase the status of a guy who’s interested in picking up a woman. With the slogan “amplify your social experience” the site launched in February to get people connected and expand their social circles — pivots and wings act kind of like professional ice breakers. You can request a pivot or wing, essentially hiring them for three to five hours (at $75/hour) for myriad situations: click on “dating advice” “going out” “style advice” and then answer a bunch of questions that will help the company determine what sort of pivot or wing to set you up with to help you become more at ease in social situations, improve your sense of style, or kick up your dating game. After all, their website says “pivots and wings: Play the game!”

    Of potential interest to travelers, however, is the company’s catering to tourists. Visitors can get connected to a local pivot (or wing) who likes to share local knowledge of the scene. You can hire what basically amounts to your own personal, quirky tour guide to take you around either New York or Boston. According to Daniel Katzman, company founder, other cities are under consideration for inclusion within the year but they’re not ready to announce the expansion plan yet. If you’re traveling to a city where you know not a soul, solo or not, and you’re looking for a good time, Pivots and Wings seems like an interesting, though not exactly inexpensive, investment.

    Kayak’s Evolution

    Kayak (tel. 203/899-3100 ; www.kayak.com ) was created by co-founders of Expedia, Orbitz and Travelocity and launched in February 2005 as a comprehensive site that allows you to comparison shop during travel planning. Their tagline is “search with us, book with them;” the meta-search engine trolls for travel deals offered by over 100 sites. Recently, Kayak became the first site to combine user content with fare availability searches with a function called “Trip Ideas,” the first part of what CMO Dean Harris calls “Kayak Alive,” visitors to the site can create and share trip ideas — an idea that’s not too dissimilar from sharing your Amazon purchase history or your Netflix list with fellow cinephiles — and then search for related content. You’ll fill out a form with a trip idea name, category, and a list of three or more destinations. Click on the “fare buzz” tab and search by categories — fishing, beach, arts/culture, skiing, hiking — and lists of aggregated trip ideas appear. Kayak also includes a collection of articles from a number of other travel websites, as well as user suggestions. If you get inspired, at the top of the page there’s a place to search for airfare of the destination you’re examining.

    Also new in the world of Kayak is the capacity to book one-way rental cars. And although it’s not an entirely intuitive process — it takes a little futzing and clicking — you can now also register your itinerary for a fare alert, once you’ve signed up and created a user account (which is free). To do so, once you’ve done your search, look under “also on kayak” and click on “fare buzz.” Then, click on “track fares for this trip ideas.”

    Talk with fellow Frommer’s readers on our Message Boards today.





    26/08/2017

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    What It s Like To Vacation in Cuba – American Travel

    #travel cuba
    #

    The complete guide to making vacationing in Cuba a reality.

    Do I Have to Go on an Educational Tour?

    Technically, yes. “American travelers to Cuba need to be on some kind of tour, which can consist of as few as two people,” says Diane Mullahy, a Cuba specialist with Travel Leaders. “But a program can be customized geared to their desires, whether they are foodies, history buffs, art lovers, photographers, etc.”

    Will my vacation be on a coach bus with 25 other people?

    iStock

    Can I fly there from the US?

    Yes. It is now possible to fly to Cuba from the United States. That said, these are still charter flights that cannot just be booked online like a regular vacation. “You have to book these through a travel service provider or through someone who sells Cuba,” says Lee. “Also, these flights are not leaving dailyfrom all locations yet,except Miami which has multiple daily flights. That is changing fast as more routes are added from more US cities.” In addition to flights from Miami, JFK has opened up charter flights and Atlanta and Chicago are looking to come onboard, as well.





    25/08/2017

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

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

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

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

    The best day to buy cheap airline tickets

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

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

    Safe banking on the go

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

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

    Spot a stolen smartphone

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

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

    Cool features in iOS 7

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

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

    Antivirus on a Mac

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

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





    23/08/2017

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


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    Floating Interest Rate

    What is a ‘Floating Interest Rate’

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

    BREAKING DOWN ‘Floating Interest Rate’

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

    How Floating Interest Rates Adjust

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

    Credit Cards With Floating Interest Rates

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

    Advantages and Disadvantages of Floating Rates

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


    17/08/2017

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    In euchre, What is the best card to lead first? #yuker,euchre,first


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    What Card should I Lead? page 1

    One of the first questions new players frequently ask is ‘having the first play, what card should I lead?’ There are many different factors involved. Let’s take a look at some common situations.

    Opponents bid and I have first lead

    Usually the best starting lead is a singleton ace (an ace with no other cards in that suit). An ace with one other card in that suit (doubleton ace) should be your second choice, if not next suit (the shortened suit which is the same color as the trump suit). Playing a doubleton ace in next suit, or an ace in a suit where you have two or more additional cards, means there are at most three cards remaining in that suit. It will likely be trumped, probably by the bidder. If you wait, you may be able to make these aces good after a round of trump has been played.

    With no good ace to play, try setting up a king for use later in the hand. This is done by leading the low card from a King – X combination. You are hoping for the ace to fall. While not guaranteed, this strategy may work and is worth a try. Even in a junk hand, it’s important to try and use every card to your advantage.

    If you don’t have any of the above, the best lead seems to be the smallest non-trump card from your shortest suit. This is based on my experience and worth a try. No matter what you end up leading, keep in mind you’re trying to lead a suit that your opponents won’t able to trump.

    In general it is not a good idea to lead the right when your opponents call. In fact most of the time it is not wise to lead any trump when they call. This only serves to take trump out of your partner’s hand and helps your opponents to make their bid. There are a few unique circumstances where a trump lead may be correct. There is a link at the bottom with more information.

    This is good time to mention that one should never lead the suit that was turned down. The most likely reason it was turned down is that your opponents didn’t have any or many of that suit. If you hold an ace in the turned down suit, it is best to wait till later in the hand to play it.

    If the dealer picks up and you hold three trump, lead the middle trump, not your smallest. You don’t want to lead a small trump as this may allow the bidder to take the trick using their small trump. You are trying to force out their large trump, which could leave you in a position to control trump latter on. Many times this is the only way to set them up for a euchre, as there is a chance that you hold more trump then the bidder does.

    My partner bid and I have first lead

    If your partner declared trump and you hold the right or left bower, this should be your first lead. This tells your partner where it is, and informs them how to play the rest of their hand. If you hold both bars (bowers), only play the right. Do not play both, as this may clear out all trump and leave the opposition holding the boss aces.

    If you do not hold a bower, lead a small trump. Since your partner bid, they most likely hold at least one bower. A trump lead should take out a round of trump and bring the lead straight to your partner. It will also give you partner a chance to play any aces they may hold. You will get a chance to play your aces latter in the hand. Remember, there are a total of seven trump cards, and a trump lead could remove four of them straight away. This greatly increases the chance of your team’s aces winning later.

    On a call from 3rd seat, a trump lead is mandatory. Often a team has been euchred because the partner did not lead trump first. If you don’t have a trump to lead then lead your aces as described in the first paragraph. By leading an ace or a non-trump card you are telling your partner you don’t have any trump in your hand. Now he knows the other trump could be in the oppositions’ hands and he can play his hand accordingly.

    I bid and have the first lead

    On a bid from 1st seat, you should start by planning out how you are going to play the hand. Ask yourself: How strong is my hand? Would it be best to get trump out of the way so I can make my other cards good? Will I be able to control trump?

    In a hand where you hold aces and you also hold a couple of trump plus the right bower, your best lead is normally the right. By removing trump from your opponents’ hands you will increase the chances of making your aces good. When you lead the right, watch to see if your partner follows suit. If they don’t, and you hold the left plus another trump, lead the left. The opposition is likely to be holding more than one trump, and you don’t want them to be able use trump against you. If you partner throws off because they can’t follow suit pay attention to what card they play. They may be giving you information on what suit they hold boss cards in.

    On a next call, as your partner may hold a bower, many times a small trump is your best lead. This will draw out a round of trump, pass the lead to your partner, and allow them to play any aces they may hold.

    Guidelines to help get you started

    As your skill level advances, you may want to try out different strategies. Plan out your hand and try to make it work for you. Only experience will teach you the best lead in any given hand. Remember, there are four things to take into consideration to determine your lead: Who made trump? What is trump? What is your position at the table? What cards do you hold in your hand? Your position and who made trump are the most important.

    It may also be a good idea to occasionally change the way you lead. You don’t want your opponents to be able to predict what your lead will be. Some people suggest switching between colors when you are in the lead. So if black was just led, lead red, and vice-versa. When you have that option, it’s worth a try.

    Normally one should not lead trump on the opponents call. Improper leading of trump generally results in helping them making a point. While there are some circumstances where this lead may be correct and possibly the only way to set a team up for a euchre, new players should avoid leading trump.

    In particular, it is worth asking yourself
    the following questions:

    Should I try and pull trump?
    Should I lead a loser and hope my partner can trump it?
    What suit was turned down?
    Do I play my Ace now or wait until the end?

    Each decision could mean the success or failure of the hand. There is little opportunity to recover from a mistake. Remember, this is a partnership game, so try to play into your partners hand when possible. Try different types of leads. Through practice, you will learn what works best.

    4th trick leads

    There are those players who think that once they get to the 4th trick and make their point, nothing else matters. They just toss out a random card to get the hand over. The truth is that the correct play here can make the difference between 1 and 2 points. There are even some hands when the correct lead could mean saving their team from being euchred. Knowing what card to play on the 4th lead is such an important part of a player’s euchre strategy that I have dedicated an entire section to it.

    Here’s what our viewers are saying

    4 comments so far

    My brothers-in-law tried teaching me euchre this weekend, and I have the basics in mind, but, they gt kind of mad at me for this: if it s my lead and I have 9/Q/A of the trump suit, why *shouldn t* I lead with the 9? Wouldn t sacrificing that 9 to draw out the bowers make my Q and A stronger?

    To give an answer I would need more information. Who made trump, what position are you, was it the first lead of the hand.

    but let s assume you re in 1st and your partner just named trump. Then I would agree a trump lead is best.

    Don s right, position and who made it is everything. Assuming your 1st.
    1 if you made trump and play your 9 the opposing team can now use a smaller trump card (Q) to steal a trick. Or sees your partner play a K or Bower and the 4th player trumps higher.
    2 if you did not make trump youve now sucked not only you small trump but whatever you partner had. If you partner has 1 trump they could be useless now. If they have 2 trump your team went from 5 trump to 2 now.

    Here s an app that will help determine what your odds are.


    17/08/2017

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    What Are The Best Adventure Travel Companies and Tours #travel #prices

    #adventure travel companies
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    What Are The Best Adventure Travel Companies and Tours

    Adventure Travel For The Audacious Spirit Travel ing  is food for the wandering soul, and those with an audacious spirit, and while there are many adventure travel and tour operator companies around, choosing the best one is going to depend very much on what you want to do, and where you want to go. However, there are various well established and reputable companies around, and below we mention some of them, and the kinds of tours and trips on offer. Some points to keep in mind when choosing a tour, are that these will normally be group tours, although some companies also offer itineraries for the solo traveler. Also, adventure trips will often be categorized by difficulty and comfort levels, so this may be something else to consider when making a choice. All in all, it can be very pleasant to travel in a group, and have some of the burdensome tasks taken over by someone else  such as carrying the baggage and arranging for nightly accommodation so that you can concentrate on enjoying the trip. Contrarily, some might consider that these tasks including navigating to your next destination are part of what makes it an adventure . The idea of traveling for adventure is not exactly new. Ever since regular tourist spots have been destinations for travelers, there have been those who have made it a point to avoid them, and take their own path. As the concept of this kind travel became more popular, more free spirits became enamored  with the idea of travel ing the road less taken.

    3 Top Adventure Travel Companies To Consider

    Gadventures.com This well known company offers trips to most parts of the world, including polar regions. There website divides tours up into the usual destinations , but also into Travel Styles as opposed to the usual Activities . These styles of travel include 1. Classic This is somewhere between a group tour and independent backpacking. 2. Comfort This includes some extra frills like dining in nice restaurants. 3.  Active Which includes hiking, biking, and multisport. 4. Yolo for young budget conscious travelers. 5. Marine , which covers various varieties of  boat travel from nature-oriented adventures, to sailing trips. 6. Family trips which include a combination of adventure and education. 7. Local Living , where you stay in one place for the main part of your trip such as a family home or converted farmhouse plus some scheduled activities which you can go to or not. 8. Rail , for those who enjoy traveling by train, they have scenic rail trips where you sleep on the train and can save on hotel costs. Although Gadventures doesn t have the traditional activity selector, they have a great search page ( www.gadventures.com/search ) which lets you search for your trip by various criteria like activity , travel style , destination , budget , and duration , making it a lot easier to find your ideal trip.

    Video About G Adventures Tours

    Rei Another top travel company, Rei is also a huge outdoor store, selling travel related products online. Their trips can be as short as a weekend up to several weeks in length. Their range of activities includes biking, trekking, kayaking, multisport, rafting, climbing, backpacking, cruising, safaris, and winter sports. They also cover volunteer and family vacations. Rei has been in business for over 25 years, and is focused on environmentally responsible traveling.

    Video About Rei Adventure Travel Company





    16/08/2017

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    What are the best travel websites and how to I best

    #travel websites best
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    What are the best travel websites and how to I best cash in my miles?





    16/08/2017

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    What Are the Best Cheap Hotel Chains? #peru #travel

    #cheapest hotel
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    Best Cheap Hotel Chains

    Cheap Hotels Buying Guide

    We researched many of the nation’s best-known economy-priced hotel chains, and while all have their ups and downs, Days Inn (double room starting at about $70 a night) and Microtel (double room starting at about $80 a night) stand out as the best options. Both offer more desirable amenities and benefits than the competition, including guaranteed Wi-Fi and free breakfast, and also receive high marks from guests for performance in most locations.

    Two second-best cheap hotel chains are Red Roof Inn (double room starting at about $70 a night), which boasts strong reviews but is a bit stingy with amenities, and Motel 6 (double room starting at about $55 a night), which slips slightly in performance ratings but offers one of the lowest prices for a night’s sleep. Many Knights Inn (double room starting at about $65 a night) locations should be “drive-bys,” reviewers advise, due to outdated and dirty facilities and generally unaccommodating staff. Another chain, Super 8 (double room starting at about $75) is often a safe choice but failed to qualify as a best cheap hotel due to prices that have been climbing, fewer money-saving deals, and relatively more mixed reviews.

    This guide to cheap hotel chains offers tips on what to look for when perusing reviews posted by previous guests and the benefits and amenities that even frugal travelers can expect in the better-performing chains. Although much of what makes a hotel acceptable is service and comfort, several other factors are worth considering when making travel arrangements. If you’re a smartphone user and/or always carry a laptop, look for places with free Wi-Fi; if you’re a frequent traveler, a loyalty program might earn you free nights or even miles to trade for airline tickets. Some sustenance at the start of the day may be high on your list of priorities; ditto for a location near downtown, the airport, a beach, but far from neighborhoods that seem sketchy.

    At the end of the day, though, if you’re just looking for a place to rest, most locations belonging to the best of the cheap hotel chains will meet your standards. The room will be clean (that goes for the bathroom, too) and contain a comfortable bed; check-in will be simple and speedy; and employees will be friendly and helpful. Our research indicates that business travelers often care more about friendly service and a relaxing room while leisure travelers seem more interested in amenities, like breakfast and a pool, especially when traveling with children.

    It is important to note that within all price categories, budget and otherwise, there is lots of variation in room rates, physical facilities, amenities, and service. Price differences typically reflect location. If you’re in a metropolitan area like New York City or Chicago, say, hotel prices across the board are higher, although the chains on our list likely will be among the cheapest. The day of the week and time of year also affect rates. Weekdays tend to be more expensive than weekends, for example, and holidays and in-seasons (e.g. leaf-peeping in October in New England) usually correlate with higher prices.

    Additionally, many national hotel chains are operated as franchises, and those we researched follow this model. This means that despite the best efforts of corporate headquarters, there’s only so much uniformity in facilities, features, and service. Some mass surveys, by J.D. Power and Consumer Reports for example, compile meta data that refer to the chains as a whole. Guest reviews posted online of specific locations, meanwhile, may deviate wildly from the survey norms. So when choosing a cheap hotel chain for your next trip, use our assessment of performance and features as a starting point but make sure to check out the particular properties you’ll be visiting.





    16/08/2017

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

    #flight tickets cheapest
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    What Date of the Month is Cheapest for Airline Tickets?

    Book a Flight Midweek

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

    Avoid Holidays

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

    Book your Flight in Advance

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





    16/08/2017

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    What You Need to Know Before You Travel to India #cheap

    #travel to india
    #

    What You Need to Know Before You Travel to India

    By Sharell Cook. India Travel Expert

    Sharell grew up in a small country town in Australia, but has been traveling and exploring different cultures since her early 20s. She first visited India in 2000, and found it to be a complete assault on her senses, confronting but strangely uplifting and exhilarating. This hasn t changed, only now Sharell lives in cosmopolitan Mumbai where she writes full time and grapples with Hindi. Read more

    There are a number of things you should do before you travel to India, but where to start with it all? These steps and information will help you get your trip planned and organized in no time at all, and hopefully take some of the stress out of your preparations.

    Decide Where You Want to Visit

    Book Trains and Flights

    Advance reservations for flights aren t as necessary as for trains, however many airlines do offer discounts for 14 or 21 day advance ticket purchases.

    Book Accommodations

    While it can be possible to get great deals on hotels by walking in and negotiating the rate in many places, it s a good idea to book your accommodations in advance for major cities, particularly Delhi. International flights often arrive at night and it s easy to feel disorientated in an unfamiliar place. Plenty of people prey on unsuspecting tourists by taking them to inferior quality hotels where they get paid a commission for doing so.

    Visit Your Doctor

    As India is a developing nation, health is an important concern of travelers. You should visit your doctor well in advance of your trip to India to find out what precautions you need to take against certain illnesses. The medications and immunizations that are necessary will greatly depend on the regions you intend to visit (for example, some areas are particularly malaria prone, while others have very little risk of infection) and time of year (during and straight after the monsoon is the riskiest time for health problems).

    Get Your Visa

    All visitors need a visa for India, except citizens of neighboring Nepal and Bhutan. There is limited provision for visas on arrival to citizens of certain countries. However, most people will need to obtain a visa before arriving in India. Visitors staying in India for less than 72 hours can obtain a Transit Visa, otherwise an Indian Tourist Visa is necessary. The Indian Embassy has started outsourcing the Indian visa application process to private processing agencies in many countries to make it more efficient.

    Familarize Yourself With India s Culture

    If you re visiting India for the first time, you re probably feeling a bit apprehensive, not knowing what to expect. The risk of culture shock can be overcome to a certain extent by reading as much as you can about India, as well as watching documentaries and other programs on India. In order to to be as prepared as possible, you should also familiarize yourself with as much information as you can about scams, dangers, and annoyances.

    Decide What to Pack

    When packing for India, it s important to take into account the country s conservative dress standards. Some people prefer to take very little to India and instead buy what they need to over there. Others choose to bring as much as possible with them from home because the quality is better. Some of the things that you should give consideration to are the type of luggage (backpack or suitcase) to take, clothes, shoes, medicine, personal care items, money (ATMs are now widely available in India), and other useful items such as plug adapters, flashlights, and padlocks.





    16/08/2017

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    What to Pack for Europe: The 5-Step System #smarter #travel

    #travel to europe
    # Packs

      Luggage & Packs

        Browse Luggage View All Bags New Products Top Sellers View Collections Luggage Buying Guide Product Reviews

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    16/08/2017

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    What International Air Travel Was Like in the 1930s #traveling #by

    #international air travel
    #

    What International Air Travel Was Like in the 1930s

    Today we largely take international air travel for granted. Every major city in the world is little more than a hop, skip, and jump away. But what was it actually like to fly halfway around the world in the 1930s, when the very concept was still novel? Pretty incredible, as it turns out—provided you could afford it.

    At the dawn of commercial air travel, Imperial Airways was Britain’s shuttle to the world. As the British Empire’s lone international airline in the 1920s and ’30s, Imperial was responsible for showing the rich and famous every corner of the Empire. And in doing so, their mission was to make the Empire (and by extension, the world) feel that much smaller.

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    They did it in style.

    Rough Take-off

    After the war, Britain had a surplus of warplanes that would jumpstart its commercial air industry. But the early 1920s was a hard period for British aircraft companies. Unlike their counterparts in France, Belgium, the Netherlands, and the United States, very little government investment in British air travel occurred during peacetime.





    16/08/2017

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    What – Type – of RA Do You Have? #types #of


    #

    What Type of RA Do You Have?

    Not too many years ago, a diagnosis of rheumatoid arthritis (RA) was just that a diagnosis of rheumatoid arthritis. And if you received that diagnosis, your treatment was pretty much the same as anyone else who received it large doses of aspirin followed by a corticosteroid and/or disease-modifying drugs such as gold or sulfasalazine.

    Just as treatment has changed through the years, so has the thinking about RA in some cases. Rather than a single disease with a one-size-fits-all treatment strategy, some researchers believe that rheumatoid arthritis may actually be a collection of diseases. Genetic differences in individuals, they say, could affect the various features of the disease, the factors that trigger its development and the best treatments. Their hope is that a better understanding of the differences between the diseases we call RA may provide insights that could eventually lead to new ways to treat and, perhaps in some cases, even prevent it.

    Seropositive and Seronegative RA

    The most recognized differences in RA cases are between seropositive and seronegative disease, according David S. Pisetsky, MD, PhD, professor of medicine and immunology at Duke University School of Medicine in Durham, N.C.

    Seropositive means that blood tests show the presence of anti-cyclic citrullinated peptides (anti-CCPs), also called anti-citrullinated protein antibodies (ACPAs). Anti-CCPs are antibodies produced against proteins in the body undergoing a molecular change in structure called citrullination. They are present in approximately 60 to 80 percent of people diagnosed with RA. Studies have found that, for many people, the antibodies precede the development of clinical symptoms by 5 to 10 years. If you have symptoms consistent with RA and a positive test for the antibody, an RA diagnosis is almost a certainty.

    Previously, seropositivity was defined in terms of an antibody called rheumatoid factor (RF). Rheumatoid factor is an antibody directed to sites on other antibodies and can be detected by a variety of tests. While most patients with anti-CCP antibodies are also positive for rheumatoid factor, the RF antibody can occur in patients with many other conditions, including infection. Anti-CCP is more specific for RA and is becoming the preferred test for making this distinction.

    Seronegative means that tests don t show the presence of these antibodies in your blood. You can have RA without being seropositive, but it is easier to meet the criteria if you are positive, says Dr. Pisetsky.

    Aside from the presence or lack of antibodies, there are a few other differences in people with seropositive and seronegative RA. For one, people with seropositive, or anti-CCP-positive, disease have a common sequence of amino acids called the shared epitope. This shared amino acid sequence is encoded in the human leukocyte antigen (HLA) genetic site, or locus, which produces proteins that control immune responses. It is not known how the amino acid sequence contributes to RA, but it has been proposed that it attaches to parts of proteins called citrullinated peptides, and therefore contributes to the production of anti-CCP antibodies. Interestingly, smoking is strongly related to the development of RA in patients with the shared epitope. Scientists believe that smoking causes inflammation in the lung, which leads to protein citrullination which in turns induces anti-CCP antibodies in genetically susceptible people with the shared epitope.

    Other differences have to do with the risk factors associated with seropositive and seronegative disease.

    While one might predict that anti-CCP-negative RA would be milder disease, that isn t always the case. And although it is unlikely that a person with seronegative RA will ever turn positive, it is possible for people with seronegative disease to eventually be diagnosed with a different disease altogether, Dr. Pisetsky says.

    Dr. Pisetsky gives these examples:

    • A person diagnosed with seronegative RA may eventually develop a skin rash that would cause the doctor to change the diagnosis to psoriatic arthritis.
    • Joint fluid tests in what appears to be RA could lead to a diagnosis of chronic gout.
    • Osteoarthritis can sometimes be confused with seronegative RA.

    A Common Clinical Endpoint

    Some researchers contend that RA is not a separate and distinct disease, but rather represents a common clinical endpoint for various starting points, each of which is guided by as yet poorly understood aspects of the genetic background of the affected individual, says John D. Carter, MD, associate professor, chief of the division of rheumatology and director of clinical research at the University of South Florida in Tampa.

    Depending on the trigger and the individual s genetic makeup you get different manifestations of what we call RA, and these different presentations are lumped into one diagnosis, he says.

    In addition to the shared epitope associated with seropositive disease, genetic makeup may account for other differences such as extraarticular manifestations (beyond the joints) including lung or eye involvement or rheumatoid nodules, Dr. Carter says. Researchers are looking for genetic differences in individuals with RA that may explain variances as disease severity, manifestations, triggers and treatment responses that may have significant consequences for future research and the development of new therapeutic interventions.

    This obviously could be tremendously important when it comes to treatment, as a predictor of response, says Dr. Carter. Many are now looking for biomarkers to predict response. I believe this feeds into the same theory. A different biomarker signature probably exists for each different type of what we now call RA.

    Updated april 2015

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    14/08/2017

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


    #

    How to Invest in Commodities

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

    Steps Edit

    Part One of Three:
    Getting Ready to Invest Edit

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

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

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

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

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


    13/08/2017

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    Cuba s Travel Change: What To Expect From Airlines And Cruise

    #travel cuba
    #

    Cuba’s Travel Change: What To Expect From Airlines And Cruise Lines

    Walter Bibikow via Getty Images

    NEW YORK (AP) — NEW YORK (AP) — In a story Dec. 17 about travel to Cuba, The Associated Press reported erroneously the number of Americans who were authorized to travel to Cuba last year. The number was 124,000, not 170,000.

    A corrected version of the story is below:

    US travel industry carefully eyeing Cuba tourism

    US travel industry has been quietly looking to expand into Cuba; plans could now accelerate

    By SCOTT MAYEROWITZ

    AP Business Writer

    NEW YORK (AP) — Cuba was once a haven for sun-seeking American tourists. Beautiful beaches, lively casinos and late-night dancing made it the perfect getaway, only an hour’s flight from Miami.

    But the Cuban revolution led by Fidel Castro and the subsequent Cold War embargo of the communist island nation put an end to that.

    President Barack Obama’s announcement Wednesday of plans to re-establish diplomatic ties with Cuba doesn’t suddenly lift the ban on U.S. tourism. It does, however, give hope to airlines, hotel chains and cruise companies — all which have been quietly eyeing a removal of the travel ban — that they soon will be able to bring U.S. tourists to the Caribbean nation.

    “Cuba is the largest country in the Caribbean, so there’s some exciting possibilities,” said Roger Frizzell, spokesman for Carnival Corp. He said “some infrastructure for cruising already exists in the country,” although other issues “need to be taken into consideration if this market opens up.”

    A handful of international companies already operate in Cuba. For instance, Spanish hotel chain Melia has 26 properties on the island. U.S. companies, like Hilton Worldwide and Marriott International — the two largest chains by rooms — say they welcome any future opportunities to include Cuba in their rapidly growing global footprint.

    “We will take our cues from the U.S. government, but look forward to opening hotels in Cuba, as companies from others countries have done already,” Marriott CEO Arne Sorenson said via an emailed statement.

    While most Americans are prohibited from traveling to Cuba and spending money there, close relatives of Cubans, academics and people on accredited cultural education programs can visit. And there is a tiny, but robust business in transporting people to Cuba.

    Most operators are tiny storefront travel agents in the Miami area with names like Alina’s Travel Co. and Gina’s Travel Services. Those agents then charter planes from carriers like American Airlines to transport the groups.

    About 124,000 U.S. citizens flew nonstop to Cuba last year, up from 77,000 in 2012, according to the Department of Commerce.

    “Once people get a glimpse of Cuba, they always want to see more,” said Katharine Bonner, a senior executive at Connecticut-based tour operator Tauck, which runs tours there under a cultural exchange license. “Americans are very curious about a country that is 90 miles off our coast but has been off limits for so long.”

    It is that isolation, in part, that is so appealing. There’s no McDonalds, no Starbucks. Bonner said once travel opens, there will be a rush to see Cuba before its gets “Americanized.”

    “It’s almost like a country that has been frozen in time,” she said. “There’s going to be a desire to see Cuba before it changes.”

    The challenge for the industry will be to offer trips to Cuba for eager tourists without alienating anti-Castro Cuban-Americans who stay in hotels or take cruises elsewhere. Regardless, for now, senior Obama administration officials say that travel to Cuba for tourist activities will remain prohibited.

    U.S. airlines have been quietly dipping their toes in Cuba’s warm waters for years.

    American Airlines dominates many of the routes to Latin America with its hub in Miami. It’s run charters to Cuba for more than 15 years, according to spokeswoman Martha Pantin. It now operates 20 weekly flights from Miami to Havana, Holguin, Santa Clara and Cienfuegos and from Tampa to Havana and Holguin.

    JetBlue Airways started flying Cuba charters in September 2011. It’s a very small part of the airline’s business; just three weekly flights on Airbus A320s with 50 to 80 customers, either to Havana or Santa Clara.

    CEO David Barger told The Associated Press last year that the charters are a way of “just understanding what happens, if in fact there’s a normalization.”

    Delta Air Lines, which operated more than 240 charter flights between October 2011 and December 2012, said it has no immediate plans to fly to Cuba. But, spokesman Anthony Black noted that “having served there through our charter operations, the groundwork has been laid for us to possibly serve the market if an opportunity becomes available.”

    Airlines are granted the right to fly international routes through bilateral agreements between U.S. and foreign governments. A similar agreement would need to be reached with Cuba first. There is one dating back to 1953 — it was last updated on July 30, 1957 — that allows specific routes from New York, Washington D.C. Houston, New Orleans and the Florida cities of Miami, St. Petersburg, Tampa, Fort Lauderdale and West Palm Beach.

    The one immediate change for licensed travelers: they will now be able to return to the U.S. with $400 in Cuban goods, including tobacco and alcohol. Limited amounts of Cuban cigars might be the new hot souvenir.

    With reports from Josh Lederman in Washington D.C.

    Scott Mayerowitz can be reached at http://twitter.com/GlobeTrotScott.

    Also on Huffington Post:





    13/08/2017

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    Criminal Justice Programs in Washington #what #colleges #offer #criminal #justice #degrees


    #

    Criminal Justice USA

    Criminal Justice Programs in Washington

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    The criminal justice system in Washington State is growing quickly. Currently, there are more than 30 criminal justice schools in the state and a handful of professional agencies and organizations. For instance, the Washington State Criminal Justice Training Commission is a group that enhances public safety in Washington by establishing safety standards and providing public education and training in criminal justice. The CJIS Group in Washington State is another professional criminal justice organization that operates in the state. This group collects, analyzes, and makes available market intelligence regarding technology systems and techniques in the criminal justice world. For those who are interested in entering into the criminal justice profession in Washington, there are a number of colleges and universities that offer criminal justice degrees for interested students.

    Criminal Justice Schools in Washington

    Washington State University : The Department of Criminal Justice and Criminology at Washington State University teaches students about the evolving and expanding criminal justice system in both Washington State and the nation as a whole. The school offers both graduate and undergraduate degrees in criminal justice that are offered on campus and online. The Ph.D. in criminal justice is only offered on campus, however. According to the university s website. the Criminal Justice Department at Washington State University is the second oldest in the United States. It was established in 1943.

    Eastern Washington University : The criminal justice program at Eastern Washington State is offered as a bachelor s degree. Within this degree, students have the option of pursuing three specific concentrations: law enforcement, pre-graduate criminology, or corrections.Students in the criminal justice program must complete their social science foundation courses, as well as core disciplinary courses in an approved area of specialization, in order to receive their criminal justice degree.

    Seattle University : The criminal justice program at Seattle University is offered in the following forms: master of criminal justice, crime analysis certificate, bachelor of criminal justice, bachelor of science in criminal justice, and minor in criminal justice. The criminal justice curriculum includes coursework in criminal justice, criminology, criminal justice ethics, and research methods and statistics. Aside from the traditional degrees, the school also has two prestigious student organizations that have a focus on criminal justice: the Criminal Justice Honor Society and the Criminal Justice Club.

    Everett Community College : For over 30 years, Everett Community College has offered two degree options, both of which are an associate degree in criminal justice. The college has also partnered with the Washington State Criminal Justice Trailing Commission to allow students to obtain 20 college credits for completing the Washington State Basic Law Enforcement Academy. According to the university s website. the 20 credits obtained from the training program will be credited towards various courses at Everett Community College.

    Criminal Justice Career Statistics in Washington

    In addition to criminal justice schools and professional organizations, there are a number of criminal justice career prospects in Washington. In fact, there is a current estimate of around 16,000 criminal justice professionals working in the state of Washington, and that number is expected to increase by over 20%by the year 2018. Those who work criminal justice jobs in Washington State can expect to earn anywhere from $19,000 a year to more than $42,000 a year. The current salary average, however, is around $26,000 a year.

    Criminal Justice Degrees by State

    Criminal Justice USA

    Copyright 2017. Criminal Justice USA. All Rights Reserved.


    13/08/2017

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    What to Bring When Traveling to Europe #travel #planning

    #travelling europe
    #

    What to Bring When Traveling to Europe

    Packing for a European holiday needn’t be a chore. (Photo: Old Europe image by Nikituk from Fotolia.com )

    Related Articles

    There are many misconceptions when it comes to packing for travel, especially when you re going to Europe. Take heart, however: Unless you ll be doing specialized activities in Europe, there s no need to replace your wardrobe or buy travel clothing that you ll never use at home.

    Climate

    The climate and geography of Europe varies widely. Northern maritime countries like England and Ireland are mild, cool and damp throughout winter, while southern Mediterranean countries like Spain and Greece are often much warmer and drier. Do research before you pack, however. Even northern countries like Russia can be boiling hot in summer, for example. Pack primarily for the season you will be traveling, but don t forget a sweater or jacket even in summer, or a lighter top and pants for winter in case the climate surprises you.

    Style

    While style and level of formality varies by country, it is usually a good idea to dress fairly conservatively. Shorts are not worn in most European countries, and most churches, cathedrals and other places of worship will deny entry to tourists wearing shorts or tank tops. It s best to wear a knee-length skirt and keep a scarf to cover your shoulders with if you re a woman traveling in hot weather, but still want to enter churches. Both men and women can get away with tailored jeans and dressy sneakers or sandals in summer, or trousers and boots with a dressy coat in winter. Neutrals like black are always in fashion.

    Electronics and Documents





    12/08/2017

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    What You Should Know About Travel Insurance #hotel #flight #deals

    #buy travel insurance
    #

    What You Should Know About Travel Insurance

    shutterstock

    You’re going on a trip. Congratulations! Now what about all those nitty-gritty details you have to think about, like, say, travel insurance?

    Leave it to Christopher Elliott, consumer advocate, writer and HuffPost blogger. to answer your questions. In his new book, The World’s Smartest Traveler. Elliott has compiled some of his favorite tips and tricks he’s collected over the years to become a better, smarter traveler.

    The following is adapted and republished with permission of the National Geographic Society from Christopher Elliott’s book How to be the World’s Smartest Traveler. Copyright 2014 Christopher Elliott. All rights reserved.

    Travel insurance can offer peace of mind for your upcoming vacation. If something goes wrong—if your trip is interrupted or if you have to cancel—you can recover some or all of your costs. About one in three travelers buys insurance for a trip, according to the U.S. Travel Insurance Association. Should you be one of them?

    Buy insurance: IF YOU’RE SPENDING MORE THAN $5,000 ON A VACATION. That’s known as a “big-ticket” purchase, and it should be insured. IF YOU’RE A NERVOUS TRAVELER and just need the peace of mind that comes with having a policy. Even if you can’t recover all of your money, you may still be able to take advantage of certain benefits. IF YOU’RE CRUISING OR TAKING A PACKAGE TOUR. Cruise lines used to be flexible when it came to allowing passengers to rebook missed cruises. Tour operators were also more lenient in the old days. Not anymore. A policy can protect you. IF YOU HAVE A COMPLEX OR LENGTHY ITINERARY. If you’re on a tour with a lot of moving parts, then insurance could be useful. When one part doesn’t go as planned, the right policy can help you make a quick recovery and avoid a domino effect. ANY TIME YOU LEAVE THE COUNTRY. Medical providers outside the United States often ask for up-front payments for medical services that can cost thousands of dollars, and travel insurance can guarantee these payments. (This is also true for medical evacuations and repatriations, which can cost tens or even hundreds of thousands of dollars.) IF YOU’RE ON MEDICARE and are traveling internationally. You’ll want to consider a policy that includes medical expenses, since Medicare doesn’t typically cover events outside the country.

    Skip it: IF IT’S A SHORT, simple, and inexpensive domestic trip. IF YOU’RE SPENDING LESS THAN $5,000, or if you don’t mind losing the value of your trip should something happen before or during your vacation. Also, if you have insurance that would cover a medical emergency or medical evacuation, you may not need a policy. IF YOUR TRIP INCLUDES COMPONENTS THAT AREN’T COVERED BY INSURANCE. For example, say you’re staying at a friend’s house, using a flight voucher, or redeeming frequent flier miles for your vacation. Travel insurance would probably be minimally useful. (Some travel insurance policies may cover the cost of redepositing miles when you need to cancel for a covered reason.) IF YOU HAVE A PREEXISTING MED- ICAL CONDITION THAT WOULDN’T BE COVERED. Read your policy carefully; some travel insurance policies do cover existing medical conditions when certain requirements are met. Normally, preexisting conditions that are controlled are covered if the policy is purchased within a certain time following initial deposit and payment of your trip. IF COVERAGE WOULD BE REDUNDANT. For example, if your credit card or other insurance would cover the same event—then don’t worry about it. Note that some cards won’t cover items like medical evacuations, so if that’s important, then think about insurance. (Most credit cards do not cover medical expenses, and almost no credit card covers for cancellation and interruption.)

    How do I find a travel insurance policy? An online search for “travel insurance” is likely to pull up a long and confusing list of travel insurance choices, but there are really just three options.

    BUY DIRECT. Companies sell insurance policies directly to travelers, usually online. The big players are Allianz, CSA, and Travel Guard. A full list of other insurance companies worth checking out is on the U.S. Travel Insurance Association’s website. BUY THROUGH YOUR TRAVEL COMPANY. Many travel companies, including airlines, cruise lines, and tour operators, offer optional insurance directly to consumers. These can be a good deal, but it’s worth shopping around before deciding to buy one of these policies. Also, be careful of tour operators or cruise lines that offer generic protection services. They won’t cover you if the company goes belly-up. BUY THROUGH A TRAVEL AGENT OR THIRD PARTY. Your travel agent may offer an insurance on that in a moment. policy. More in that in a moment. You might also consult an online company that specializes in com- paring and evaluating insurance policies, such as Squaremouth, Travel Insurance Review, Trip Insurance Store, and InsureMyTrip.com. These can be useful resources for quickly finding the best travel insurance policy for your circumstances.

    Travel insurance is extremely competitive, and by checking with multiple sources, you won’t just find better terms or prices, but also avoid buying a potentially useless policy.

    How much should I pay for travel insurance? We’ve already talked about situations that call for travel insurance and where to find it, but how do you know if you’re getting a good deal?

    There’s no authoritative buyer’s guide that can tell you whether you’re looking at a bargain or a rip-off. That’s because no two travel insurance policies are exactly the same. They vary according to your age, state of residence, and types of coverage.

    Travel insurance typically costs between 4 and 8 percent of your trip’s prepaid, nonrefundable cost. However, a cancel for any reason policy can run you 10 percent of the nonrefundable cost, or even slightly more. Your policy may be more expensive if you’re older or engaging in a risky activity that makes a claim more likely. A word of warning: If the policy is less than 4 percent of the cost of your vacation, that should raise red flags. Too-good-to-be-true trip “protection” policies have cost travelers millions—and perhaps tens of millions—in unpaid claims. If it’s really travel insurance, it will be underwritten by a reputable insurer. At the same time, policies that cost significantly more than 10 percent of your trip’s prepaid, nonrefundable cost may also be a cause for concern. Read the terms very carefully, and make sure there’s a good reason why you’re paying that much for your insurance. One way to check if your insurer is legit is to find out if it belongs to the U.S. Travel Insurance Association. Its site lists every member.

    When should I buy insurance? You can get travel insurance up until the day before you travel from some travel insurance companies, but the sooner you buy your policy, the better. Why? Well, let’s say your airline declares bankruptcy between the time you book your vacation and your departure date. You’ll still be able to buy a policy the day before your departure, but if your airline has already filed for Chapter 11 protection, then the policy won’t cover the airline in the unlikely event that it stops flying.

    Another reason: Most travel insurance policies will offer coverage for preexisting medical conditions that are under control, if you buy the insurance within a couple of weeks of your first trip payment (other conditions might also apply). Since up to 20 per- cent of claims could be traced to preexisting medical conditions, this could be an important point, and it removes another potential reason for denying a claim. So buy the policy sooner rather than later, and keep the cost between 4 and 8 percent of your prepaid non-refundable outlay, and you’re on your way.

    Also on Huffington Post:





    12/08/2017

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    What is the ARC? #flight #cheap #tickets

    #arc travels
    #

    What Does ARC Stand For?

    By David Kelly. Business Travel Expert

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

    Discover more about David via his website: www.davidakelly.com

    Definition

    Details

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

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

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

    History

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

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

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

    ARC Products and Services

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





    12/08/2017

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