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


Title Reps: Marketing Rep vs Sales Rep

Marketing Rep VS Sales Rep

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

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

Title Reps: The Marketing Rep

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

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

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

Title Reps: The Sales Rep

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

Title Reps: Which Do You Need?

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

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

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

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

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

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.


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Environmental Science Degree Online – Bachelors of Science – University of


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.


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


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.


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What Can I Do with an Associate – s Degree in


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:


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Nurses do not wake up each morning intent on delivering poor


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


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


How to tell if your car needs wheel alignment

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

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

Signs of poor alignment

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

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

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

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

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

Alignment timeline

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

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

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

The alignment process

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

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

Before and after the repairs

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

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

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


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

Business Intelligence

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

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

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

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

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

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

WebFOCUS BI software will empower your organization to:

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

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


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


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.


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 :-


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

(c ) DIVERSIFIED FUNDS / SCHEMES (Also called Balanced 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 :-



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:-



(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.


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


    Defense Media Network

    Air Force One Has New Defensive Systems, Antennas

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

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

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

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

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

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

    Bumps and Bulges

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

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

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

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

    Not new to the VC-25A:

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

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

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

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


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

    #germany travel

    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.


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


    Difference Between PhD and Doctorate

    PhD vs Doctorate

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

    What is a Doctorate?

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

    What is a PhD?

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

    What is the difference between Doctorate and PhD?

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

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

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

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

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


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

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

    Zuzzette Bricker says

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


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    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.


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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?


    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.


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

    #best price airline tickets

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

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

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

    The best day to buy cheap airline tickets

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

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

    Safe banking on the go

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

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

    Spot a stolen smartphone

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

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

    Cool features in iOS 7

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

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

    Antivirus on a Mac

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

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


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


    Floating Interest Rate

    What is a ‘Floating Interest Rate’

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

    BREAKING DOWN ‘Floating Interest Rate’

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

    How Floating Interest Rates Adjust

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

    Credit Cards With Floating Interest Rates

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

    Advantages and Disadvantages of Floating Rates

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


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


    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.


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

    #adventure travel companies

    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


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

    #cheapest hotel

    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.


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

    #flight tickets cheapest

    What Date of the Month is Cheapest for Airline Tickets?

    Book a Flight Midweek

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

    Avoid Holidays

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

    Book your Flight in Advance

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


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    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.


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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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        Carry-On (22 smaller) Medium Check in (25 – 27 ) Large Check in (28 – 35 ) Oversized (36 Larger)

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      By Collection

        Exploration Series Outdoor Gear Series Deviate Travel Packs EC Adventure Collection EC Lync System Flyte Collection Morphus Series No Matter What Series ORV Trunks Switchback Series Tarmac Series Warrior Series


      Packing Organizers

        Browse Packing Organizers View All Organizers New Products Organizers Buying Guide Product Reviews

      By Type

        Packing Sets Packing Cubes Packing Folders Compression Items Toiletry Kits Shoe Organizers Packing Sacs Electronic Organization Fitness Organization

      By Collection

        Pack-It Original Pack-It Specter Pack-It Sport


      Travel Accessories

        Browse Travel Accessories View All Accessories New Products Accessories Buying Guide Product Reviews

      By Type

        Money Belts & Neck Wallets Wallets & Organizers Comfort Items Toiletry Kits Luggage Tags & Locks Adapters & Converters Packables


      Everyday Bags

        Browse Everyday Bags View All Day Bags New Products Everyday Bags Buying Guide Product Reviews

      By Type

        Backpacks Shoulder Bags Briefcases Handbags Waistpacks Ultra-Lights

      By Feature

        Multi-Carry Laptop / Tablet Carry RFID Blockers All Ways Secure Packables Checkpoint Friendly


    Tips Travel

    System Outfit

    FREE 2 Day Shipping on Orders $149+


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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.


    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.


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


    How to Invest in Commodities

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

    Steps Edit

    Part One of Three:
    Getting Ready to Invest Edit

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

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

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

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

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


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    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


    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.

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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.


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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.


    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.


    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.

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

    #buy travel insurance

    What You Should Know About Travel Insurance


    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.

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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



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

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

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


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

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

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

    ARC Products and Services

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


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    What is Ecotourism? #worldwide #travel #insurance

    #eco travel

    What is Ecotourism?


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


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


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

    The Definition

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

    Principles of Ecotourism

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

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

    Click Here to read the full articles announcing the revisions.


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    What Is Ecotourism? #travel #advisor

    #eco travel

    What does Ecotourism mean, and why should you care?

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

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

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

    What is Ecotourism?

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

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

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

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

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

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

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

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

    #cruise travel insurance

    Insuring Your Cruise

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

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

    Medical Care

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

    Emergency Medical Evacuation

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

    Baggage Loss or Baggage Delay

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

    Identity Theft

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

    Financial Default

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

    Hurricanes and other Inclement Weather

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


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    What is Responsible Travel? #dhanunjaya #travels

    #responsible travel


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

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

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

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

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


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

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

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


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


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

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


    Responsible tourism as defined in the 2002 Cape Town Declaration :

    minimizes negative economic, environmental, and social impacts;

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

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

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

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

    provides access for physically challenged people; and

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

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


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    Travel Insurance: What You Need to Know Before You Buy #flight

    #buy travel insurance

    Travel Insurance: What You Need to Know Before You Buy

    Here’s the good news: travel insurance covers more than it used to. The bad news is, travel insurance is more complicated than ever. Here are the ins and outs of insurance.

    By Sascha Segan

    Here’s the good news: travel insurance covers more than it used to. Since I first wrote about trip insurance in Frommer’s Fly Safe, Fly Smart in 2001, travel insurers have come up with policies that protect you if you lose your job, if you’re ordered to work instead of taking a vacation, and even policies that let you “cancel for any reason.” (Those last ones are pretty popular.) Waivers of pre-existing conditions can let smart shoppers prevent their claims from being denied.

    The bad news is, travel insurance is more complicated than ever. With so many options, and with policies written in a language that only sometimes resembles English, it can be nightmare figuring out what you actually need.

    “I don’t know how people without insurance backgrounds figure out insurance,” said Steve Dasseos, president of TripInsuranceStore.com (www.tripinsurancestore.com ).

    Here’s our stab at explaining the ins and outs of insurance.

    Do You Need Travel Insurance?

    The first thing to ask is whether you actually need travel insurance.

    “Every person has their own level of risk tolerance,” said John Cook, president of QuoteWright.com (www.quotewright.com ).

    Travel insurance comes in two major flavors: medical and “trip cancellation” (which includes baggage and car insurance.) Travel medical insurance is potentially the most critical (in fact, some countries won’t let you in without it), but you may already be covered. It’s time to have a heart-to-heart with your own health insurance company about what happens if you’re injured overseas. Will they pay your medical expenses? If you’re heading somewhere without a decent health-care system — will they pay for a medical evacuation? If something goes wrong, how can you reach them from abroad? What’s the amount you’re covered up to? Medical evacuations can cost $50,000 or more, so it’s important to make sure you don’t max out your own medical plan.

    You probably already have car insurance, but supplemental car insurance can prevent accidents from raising your home car insurance premium, insurance brokers said. Yes, this sounds like a far-fetched way for them to sell more insurance, but as Dasseos says, it all comes down to your risk tolerance.

    Trip cancellation insurance is the thorniest to deal with because it has so many ins and outs. You can get coverage for trip cancellation, which means not going on your trip at all. Trip delay or interruption coverage covers being stuck in the airport or missing a connection to a cruise. Baggage coverage gives you money if a travel supplier loses your luggage.

    Even there, you should check around for existing coverage. Some credit cards, such as the American Express Platinum Card, come with baggage coverage; you may also have some travel baggage coverage as part of your homeowner’s policy.

    Depending on the coverage you’re looking for, insurance should cost between 3-8% of your trip price, according to travel insurance comparison websites. For a $4000 trip booked through TripInsuranceStore.com, that means prices ranging from $130-282, depending on the amount of coverage you’re looking for.

    You can learn a lot more by checking out our companion article, “10 Questions to Ask Your Travel Insurer.”

    Who To Buy Travel Insurance From

    You can buy travel insurance from an insurance company, a broker, a travel agent or a tour operator.

    Third-party brokers who deal with many companies can give you a good independent perspective. Dasseos’ TripInsuranceStore.com, for instance, compares plans from six different insurers. Other top brokers include QuoteWright.com, InsureMyTrip.com (www.insuremytrip.com ), and Squaremouth.com (www.squaremouth.com ). Just like with a mortgage broker and unlike with a travel agent, the insurers pay the broker’s commission, so you don’t pay more than by booking direct.

    Insurance companies themselves can present a variety of plans, but of course you’ve got to compare the companies’ plans against each other on your own. Try our list of top insurance companies and our questions to ask your insurance company to start. There are some bad insurance companies and even fake insurance companies out there, and we’d like to make sure you go with someone reliable.

    We’re a bit uneasy about trip insurance sold by online travel agents, tour operators, and especially cruise lines. These policies can be incomplete and poorly explained. A “buy travel insurance now” check-box on a website doesn’t give you the proper warning about things the insurance doesn’t cover, and insurance sold with cruises may not cover the planes, trains and automobiles you take to get to and from your ship.

    When to Buy Travel Insurance

    You should buy travel insurance right after you book your trip — preferably on the same day. As soon as you pay for your trip, the clock starts ticking on the pre-existing condition waiver. You want a pre-existing condition waiver, as it cancels out an administrative hell that results in more than 20% of claims being denied, according to QuoteWright.com’s John Cook. Some travel insurers give you 14 days after you started to book your trip to get the waiver, but some only give you 24 hours. To get the most options, think of booking travel insurance as something you do at the same time as booking your trip.

    If you’re a frequent traveler, travel insurance companies also offer multi-trip and annual policies that may be cheaper than buying a policy for each trip.

    Travel Medical Insurance

    If you need travel medical insurance, you need to choose between “primary” and “secondary” coverage. Primary coverage effectively replaces your existing medical insurance, with your existing insurance picking up the slack after the travel insurance runs out. Secondary coverage lets your existing insurance take the lead, with the travel insurance plan covering deductibles, co-pays, and anything your primary insurance company won’t handle.

    Primary plans have a lot less paperwork involved, Dasseos said; secondary plans can take up to eight months to pay out.

    Policies vary in terms of the amount they cover, whether they include dental work, and whether they can advance payment to hospitals that require proof of payment before they treat you. In Western Europe, you’ll probably want a lot of coverage — hospitals can be expensive — but “emergency medical transportation” isn’t as much of a concern. In the jungles of Honduras, though, a $100,000 helicopter ride to the nearest quality hospital might just save your life. (You’ll rarely need more than $100,000 of evacuation coverage, Jim Grace, president of InsureMyTrip said.)

    Also, beware the dreaded “pre-existing condition.” Pre-existing conditions are any medical condition you (or sometimes other people) have been treated for within a set time period, generally anywhere between 3 and 6 months. If you can’t get a waiver of pre-existing conditions, you need to think hard about every doctor’s visit you’ve had, every prescription you’ve filled, and every family member who’s already sick, because events resulting from those things may not be covered on your policy. And if you think you might cancel because Grandma is looking frail, her pre-existing conditions may come into play, too. It’s really best to get a waiver.

    Trip Cancellation Insurance

    The biggest news in the travel insurance industry in the past few years is the “cancel for any reason” policy, which lets you get at least some of your money back — usually 75-80% — without jumping through the usual hoops of “named perils.” Such policies are expensive, but they’re now up to a quarter of the policies Dasseos sells because they’re so easy to use, he said.

    If you don’t feel like a platinum-plated policy, you can assemble your own deal from parts — but you need to look very closely at those parts. Cancellation policies can cover cancellation, lost luggage, baggage delay, travel delay (being stuck at the airport and needing a hotel), or missed connections (being stuck at the airport and missing your cruise).

    But most of these policies are “named peril” policies, which means they cover the reasons they cover — and no other reasons. Some of the reasons can be surprising: Access America’s BizPack, for instance, lets you cancel if your boss demands that you work instead of going on vacation. But you have to look at trip cancellation policies with an eagle eye to see what they don’t cover. For instance, policies may not cover cancellations if you’re sick with H1N1 flu, because it’s been declared a pandemic by the WHO and some policies exclude pandemic illnesses.

    The perils also vary from insurer to insurer. Access America lets you cancel your trip if you get laid off, provided you’ve been working in the same place for three years. But over at Travel Guard, you only need to have held your job for a year before being laid off to get your money back. That could make the difference between an accepted claim and a denied one.


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


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

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

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

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

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


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


    What Is Fire Science?

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

    Field Overview

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

    Important Facts About Fire Science Programs

    Fire codes and law, EMT basics, rescue procedures

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

    Programs are offered fully online and in hybrid format

    Firefighter, Fire Inspector and Investigator


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

    Fire Protection and Prevention

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

    Fire Investigation

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

    Career Outlook and Salary Information

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

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

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


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    Mortgage Prequalification Calculator: Do you Prequalify For Mortgage? #mortgage #prequalification #calculator,


    Prequalification Calculator

    User Rating. ( 449 votes, average: 2.63 out of 5 )

    Want to prequalify for a mortgage? Our mortgage pre-qualification calculator shows how lenders see you. See how much you can afford based on yearly income, debts other factors. Our mortgage pre-qualification calculator will indicate how much you can borrow with a home loan by analyzing your income, assets, and current mortgage interest rates available to you.

    How to use the Prequalification calculator

    Enter Your Financial Information

    • Gross Monthly Pay: Your household income before taxes and deductions.
    • Loan Term: The number of years you’ll have to repay your mortgage.
    • Annual Percentage Rate (APR): Enter the estimated mortgage interest rate (see a list of current mortgage interest rates ).
    • Local Property Tax Rate: You can obtain this information from the local property tax collector’s office or website. Enter the percentage rate (not the dollar amount) in the calculator.
    • Money Available for Down Payment and Closing Costs: The amount of cash you have to pay toward these expenses.
    • Other Monthly Obligations: Include recurring installment payments, including credit cards, auto payments, personal and education loans.

    Click the “calculate” button, and check the results.

    30 Yr. Fixed – Purchase Rates from Our Lenders in California

    Home Purchase or Refinance: Can You Prequalify?

    • Home Value / Purchase Price: The maximum amount you prequalify for, based on the information provided.
    • Total Cash Paid at Closing: The amount you’re contributing for closing costs and a down payment.
    • Cash Applied to Closing Costs: An estimate of closing costs.
    • Cash Applied to Down Payment: What’s left of your cash contribution is used for a down payment.

    Monthly Housing Expenses

    • Mortgage Payment: The amount of the principal and interest payment based on the amount you qualify to borrow and the interest rate you’ve entered.
    • Property Taxes: The estimated monthly amount of property taxes. If you’re putting less than 20% down, this amount will be added to your mortgage payment.
    • Mortgage Insurance: A down payment of less than 20% of the purchase price will require mortgage insurance, which will be added to your mortgage payment.
    • Hazard Insurance: As with taxes and mortgage insurance, this will be added to your mortgage payment if you borrow more than 80% of your home’s purchase price.
    • Total Housing Expense: This amount generally shouldn’t exceed 28% of your gross income if you want to prequalify.
    • Other Monthly Expenses: The amount you entered for other monthly payment obligations.
    • Total Monthly Expenses: The sum of your total monthly housing payment and other monthly expenses. It generally exceed 36% of your gross monthly income for pre-qualification purposes.

    These figures are guidelines. Those with spotless credit, lots of assets, or a very stable job history might qualify for more financing. Conversely, those with credit problems or minimal assets may qualify for less. We recommend that you speak directly with lenders to determine what is right for your situation. You can request up to four free quotes from competing lenders here, with no cost and absolutely no obligation to you.

    You can also compare savings on loan terms, rates and amounts using the amortization calculator. and determine potential benefits of refinancing using the refinance calculator

    38 Responses to “Prequalification Calculator”

    1. Taylor 22, Sep, 2012

    Nice. It says up to $70,000 for a mortgage loan. I’m a first time home buyer and that’s exactly what I’m looking for. $529 for total monthly expense with mortage insurance and hazard insurance for my low 4% down payment. But did not expect $2000 in closing costs. Thanks

    Thanks for this tool

    I have no mortgage on my property. I’m interested in getting a cash-out refinance or a home equity loan, and I’d like to know how much money will I be able to borrow, will the calculator work for that purpose, or do they have a different standard? Thanks

    Excellent tool and excellent responses to the other “tools” below! Thanks so much for making this available and for your thorough responses to questions!

    Okay, um the calculator says i can afford a $3,695,000 home. I entered $100,000 for annual income. How much more inacurate can this stupid thing be? – – EDITOR’S COMMENT – – _ The calculations are fine. You made a simple mistake by entering $100,000 when you should have entered $8,333 as your income. (The calculator asks for “monthly” income, not “annual” income.) I can re-create your results if I put $100,000 in monthly income, $10,000 in closing costs, and $0 in monthly expenses. Maybe you don’t have any credit cards, auto loans, bank loans, student loans or anything like that, but if you do, you need to enter all monthly financial obligations that you’ll be making payments on, in order to achieve accurate results. You can leave out irregular expenses like groceries, gas, utilities and other standard living expenses, and you can leave out any expenses that will be going away as soon as you start your new mortgage (such as rent on an apartment). But other than those types of things, lenders will factor in all your ongoing financial obligations into your prequalification calculations, so remember to include those. Please try your calculations again. I’m sure you will find that it will work well for you!

    Hmmmmmm. I just did this for a kick because we received our actual prequalification letter today. This calculator pre-qualified us for $130,000 LESS than our actual prequalification and for a payment that is almost $200 below what we are currently paying for rent. Not very accurate. – – – – EDITOR’S COMMENT: Actually, the calculator is accurate, but there’s no law that says a given lender has to stick to the industry standard when deciding how much to lend you. Your lender is allowing you to stretch yourself thinner than most other lenders would feel comfortable with. Perhaps you have savings or other assets that could be converted into cash if you get into trouble, and this has raised your lender’s confidence in your ability to repay. Or perhaps you’re about to finish up a degree that will increase your employability significantly. Something has convinced the lender to lend you $130,000 more than would normally be practical. As to your other observation, the reason the calculator produced a lower payment is, of course, if you were to borrow $130,000 less, your monthly payment would be considerably lower that what your lender quoted you. Let me end with a note of friendly, cautionary advice. Borrowing as much as you possibly can is not the only path forward. If you can be happy while living below your means (finding a way to enjoy life while keeping your living expenses lower than average for your income), you will be less likely to find yourself plagued by future financial worries, you’ll be able to pay cash for items you would othewise find yourself financing (such as furniture, vacations and automobiles), you’ll be able to save more for emergencies, and you’ll be in a better position to plan for a more enjoyable retirement. Please forgive me if I am being forward in saying this. It’s just something to consider – some solid advice from my father to me, and now to you.

    My wife and I would like to buy investment rental property. – – – EDITOR’S REPLY: We at Calculators4Mortgages wish you well with your investment goals. Exploring the purchase of rental property as a valuable element of your investment strategy is a good idea. While we would like to be of assistance, this site is currently geared toward people who are purchasing a home to serve as their primary residence. We would like to expand into real estate investment calculators at some point, but we have no immediate plans to do so.

    Leave a Comment

    Put the Mortgage Loan Prequalification Calculator on your website for Free!

    Simply copy and paste the code above into the HTML code of your website and your visitors will be able to use the same calculator that appears on this page.

    This is a free service for consumers, researchers, and real estate and mortgage professionals. Give your readers the added value of our easy to use mortgage calculators for free!

    Please note that modifying the code above will disable the calculator.

    Additional color options are available.
    Customize your mortgage calculators here.

    Enhance the experience of your visitors by using our free calculators and content on your blog or website. Go

    Copyright 2000 – 2017 Calculators4Mortgages.com. All Rights Reserved.

    Featured 30 Year Fixed Refinance Rates


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    Medical Biller Salary #what #do #medical #billers #and #coders #do


    Medical Biller Salary

    Job Description for Medical Biller

    Medical billers are responsible for the billing and collection of medical debts. They work in an administrative capacity to ensure that patients are billed swiftly, accurately and with as much clarity as possible. Every time a patient receives medical attention, the appropriate payments are tallied up by the biller and issued in the appropriate format (by mail, online, or a combination of both). It’s very important for medical billers to be able to understand the varying complexities of medical billing; this extends to different types of insurance plans, government assisted programs (Medicaid, Medicare, etc.), and how other discounts are applied to different groups of people. A strong understanding in this field will ensure that the billing is accurate, and easily fixed in the event of an error.

    Medical billers work in the administrative department of a hospital, or in some cases, a separate building dedicated to the clerical jobs of the hospital. Many hospitals prefer to have billers working on the premises as it allows for easier internal communication over logistical problems that do/can occur daily. Medical biller should be able to show strong interpersonal skills with patients and with other members of staff as this type of position frequently requires patience and an ability to work through systematic problems. They can also expect to work with a range of people who deal with running a hospital–from project managers to customer support staff.

    Employers will look for applicants who have passed the CMRS exam. This is an exam awarded by the American Medical Billing Association that helps potential billers equip themselves with a qualification designed specifically to showcase an ability in the field. Additionally, it’s highly desirable for applicants to possess strong logistical skills, along with industry standard computer software literacy and a firm understanding of medical legality.

    As hospitals are open 24 hours a day, 7 days a week, some may find that certain roles at a hospital will require flexible working hours. However, as this is a clerical position, it’s still somewhat normal for a medical biller to work during usual business hours.

    Medical Biller Tasks

    • Verify accuracy of billing data and revise any errors.
    • Review and retain medical records in order to compute fees and charges due.
    • Prepare bills or invoices, and record amount due for medical procedures and services.
    • Contact patients in order to obtain or relay account information.

    Common Career Paths for Medical Biller

    This chart shows the most popular skills for this job and what effect each skill has on pay.

    Survey respondents exploit a significant toolbox of skills in their work. Most notably, skills in bill collections, Accounts Receivable, Medicare, and Medical Coding are correlated to pay that is above average. Most people skilled in Insurance are similarly competent in Medicaid & Medicare Billing and Accounts Receivable. Most people skilled in Billing are similarly competent in Accounts Receivable and Medicaid & Medicare Billing.

    Pay by Experience Level for Medical Biller

    Pay by Experience for a Medical Biller has a positive trend. An entry-level Medical Biller with less than 5 years of experience can expect to earn an average total compensation of $30,000 based on 1,863 salaries provided by anonymous users. Average total compensation includes tips, bonus, and overtime pay. A Medical Biller with mid-career experience which includes employees with 5 to 10 years of experience can expect to earn an average total compensation of $34,000 based on 1,090 salaries. An experienced Medical Biller which includes employees with 10 to 20 years of experience can expect to earn an average total compensation of $36,000 based on 1,065 salaries. A Medical Biller with late-career experience which includes employees with greater than 20 years of experience can expect to earn an average total compensation of $38,000 based on 425 salaries.

    Pay Difference by Location

    For those looking to make money, Medical Billers in Houston enjoy an exceptional pay rate, 11 percent above the national average. Medical Billers can also look forward to large paychecks in cities like Sacramento (+10 percent), Las Vegas (+9 percent), Seattle (+9 percent), and Dallas (+8 percent). With compensation 10 percent below the national average, Richmond is not known for hefty paychecks and actually represents the lowest-paying market. Two other places where employers offer below-median salaries are San Antonio (10 percent less) and Tampa (5 percent less).

    Medical Biller Reviews

    Q: What is it like working as a Medical Biller?

    Medical Biller in Mansfield:

    Pros: How exciting it can be, you must be a good problem solver. Multi Tasker. It s very demanding, when you ve gone through all the motions to get a claim paid and it s successful it s a good feeling. When you keep being denied over and over, trying everything you know to be tried and true and it doesn t work. Yet finally it does, is an even greater feeling.

    Cons: The stress mainly is the worst part.

    Medical Biller in Tumwater:

    Pros: What I like most about my job is I keep busy.

    Cons: Management does not appreciate how hard we work.

    Medical Biller in Van Nuys:

    Pros: I like being busy it keeps my mind occupied. And I love the patients at my job.

    Cons: The Dr. I work for thinks he can push people around and insult them whenever he has a chance. Anorher thing is he underpays the wmployees who do the most work at the company.

    Medical Biller in Pawtucket:

    Pros: I like being part of the billing cycle that can impact positive cash flow.

    Cons: Long wait calls to insurance companies.


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    What Universities Have Paralegal Studies Degrees in Miami, FL? #what #universities


    What Universities Have Paralegal Studies Degrees in Miami, FL?

    Find schools in Miami, FL, offering paralegal studies programs and courses. Learn about program requirements and estimated costs in order to make an informed education decision. Schools offering Paralegal degrees can also be found in these popular choices.

    Are you interested in researching what paralegal studies certificates or degrees are available in the Miami, FL, area? Four local schools award certificates and degrees in paralegal studies.

    What You Need to Know

    You can most commonly locate paralegal studies programs in Miami, FL, at the certificate, associate’s degree and bachelor’s degree levels. You might enroll in programs through 4-year public and private universities. Certificate programs take 4-6 months to complete, while associate’s degree programs take 2-3 years, depending on your course load. Bachelor’s degree programs usually last four years. Certificate programs may be taken online and often require you to already hold a degree in another field. Keep reading for more information on certificate, associate’s degree and bachelor’s degree paralegal options in Miami.

    Paralegal Certificate Programs in the Miami, FL, Area

    University of Miami

    The University of Miami offers a certificate program in paralegal studies through its continuing education division. The program is offered in both online and classroom formats and includes training in legal terminology, ethics, deposition preparation, client advocacy, arbitration, witness interviewing and legal research.

    The university also offers more than 20 specialist certificate programs to further your training. Available programs include topics in criminal law, family law and bankruptcy law. To enter a specialist certificate program, you must have a certificate, associate’s or bachelor’s degree in paralegal studies. Prospective students with a degree in another field and 5 years of paralegal experience can also apply.

    • Program Name: Certificate of Completion in Paralegal Studies
    • Program Length: About 4-6 months
    • Tuition and Fees: $45,724 per year (for 2015-2016)
    • School Type: 4-year, private not-for-profit; about 11,175 undergraduate and 5,499 graduate students

    Paralegal Associate’s Degree Programs Near Miami, FL

    Miami Dade College

    Miami Dade College offers this associate’s degree program at its Wolfson campus in downtown Miami. The American Bar Association (ABA) approves the program’s curriculum, which includes topics in wills and trusts, trial preparation, torts, family law and office management. You must also complete a series of seminars in a legal specialty. Available topics consist of ethics, computer-assisted legal research, immigration law and real estate closing. An internship or practicum during your final semester completes program requirements.

    • Program Name: Associate of Science in Paralegal Studies
    • Program Length: 2 years, full-time; 3 years, part-time
    • Tuition and Fees: $2,834 per year for in-state residents; $9,661 per year for out-of-state residents (2015-2016)
    • School Type: 4-year, public (primarily associate’s); approximately 66,046 undergraduate students

    Broward College

    Broward College is located less than 25 miles from Miami. The school offers an ABA-approved associate’s degree program in paralegal studies. Some of your required courses could include legal writing, civil litigation, psychology and immigration law. Electives are available in constitutional law, personal finance and business law.

    • Program Name: Associate in Science in Legal Assisting (Paralegal Studies)
    • Program Length: 2 years, full-time
    • Tuition and Fees: $2,753 per year for in-state residents; $8,875 per year for out-of-state residents (2015-2016)
    • School Type: 4-year, public (primarily associate’s); about 44,119 undergraduate students

    Paralegal Bachelor’s Degree Program Near Miami, FL

    Nova Southeastern University

    Located less than 20 miles north of Miami, Nova’s ABA-approved bachelor’s degree program includes required courses in torts, civil litigation, family law and corporate regulation as well as advanced topics in real estate, legal research, wills and trusts. Your electives could also cover topics in debtor relations, elder law and legal technologies.

    If you already have a bachelor’s degree in another field, the university also offers a 1-year post-baccalaureate certificate program. Coursework includes many of the introductory topics found in the 4-year program.

    • Program Name: Bachelor of Science in Paralegal Studies
    • Program Length: 4 years
    • Tuition and Fees: $27,660 per year for full-time undergraduate students (2015-2016)
    • School Type: 4-year, private not-for-profit; around 4,699 undergraduate and 19,449 graduate students

    To summarize, the University of Miami offers a certificate in paralegal studies, Miami Dade College and Broward College offer associate’s degrees in this field, and Nova Southeastern University offers a bachelor’s degree in paralegal studies.

    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:

    The schools in the listing below are not free and may include sponsored content but are popular choices among our users. Tuition and costs will vary across programs and locations. Be sure to always request tuition information before starting a program.

    Popular Schools


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


    hosting server

    Related Terms

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

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

    hosted VoIP

    hosting services

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

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


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    The Best Community Colleges for Nursing #what #are #good #colleges #for


    The Best Community Colleges for Nursing

    Jump start your nursing career in a top community college.

    Nursing can be a rewarding and exciting career. According to the Coalition for Nursing Careers in California, nurses will continue to be in high demand for the foreseeable future as the population grows and requires more health care. Choosing a nursing school can be difficult and important part of your prospective career as a nurse.

    Community College of Alleghany County

    The Community College of Alleghany County’s nursing program is ranked among the top five community college nursing programs in the United States by Community College Week. Located in Pittsurgh, Pennsylvania, the college offers an associate of science degree in nursing. Coursework must be taken in sequence and includes classes in science, liberal arts and nursing. Classes include a classroom component and a hands-on, laboratory or clinical component. Students with previous nursing education or experience may apply for an advanced placement option. Classes can be taken in the day or evening, and while the program can be completed in two years, most students take three years to finish. The college’s nursing curriculum is accredited by the National League for Nursing Accrediting Commission.

    Community College of Alleghany County 808 Ridge Ave. Pittsburgh, PA 15212 412-237-2680 ccac.edu/

    Salt Lake Community College

    At number six on the Community College Week’s rankings, Salt Lake Community College’s nursing program is accredited by the National League for Nursing Accrediting Commission and the Utah State Board for Nursing. The program takes two years to complete and offers an associate of applied science degree in nursing. Students can choose to take an LPN transition course and seek LPN licensure at the end of the first year of the program. Coursework includes classroom instruction as well as supervised clinical experience. Students are required to complete a certification in nursing assistance before beginning the degree program. Advanced placement is available for students with previous experience or practical nursing licensure.

    Salt Lake Community College
    4600 South Redwood Rd. Salt Lake City, UT 84123 801-957-4163 slcc.edu/nursing/

    Valencia Community College

    Valencia Community College, located in Orlando, Florida, offers an associate of science in nursing degree and is among Community College Week’s best five nursing schools. Valencia’s nursing program operates a unique community outreach program that allows students to obtain required clinical hours in varied settings throughout the community, including nursing homes, health departments and homeless shelters. To qualify for the program, students must complete a series of prerequisite courses, including anatomy, physiology, psychology and nutrition, with a minimum grade of ‘C’. The program requires completion of 72 credits and generally takes two to three years to complete. Students who are already licensed in practical nursing, paramedic technology, respiratory care or cardiovascular technology may qualify for the Online RN Advanced Standing Track program, which requires fewer credit hours.

    Valencia Community College P.O. BOX 3028 Orlando, FL 32802 407-582-1288 valenciacc.edu/asdegrees/health/nrn.cfm



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


    BYOD Security Policies

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

    What is BYOD?

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

    BYOD Security through BYOD Policy

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

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

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

    Ten Tips for Securing Devices and Reducing BYOD Risks

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

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


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


    5 Benefits of TMS (Transportation Management System)

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

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

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

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

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

    Increased Customer Service

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

    Warehouse Efficiency

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

    New Delivery Capabilities

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

    Inventory Reductions

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

    Cash Flow Improvements

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

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

    Other Posts You Might Like:

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


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    Virtual Phone Number #virtual #phone #number, #virtual #phone #numbers, #virtual #numbers,


    Virtual phone numbers from 40+ countries.

    Have your family, friends or business associates reach you dialing a local phone number anywhere in the world.

    • US virtual numbers for $6.99 a month.
    • International virtual numbers for $15.00 a month
    • Call Forwarding to your mobile or landline phone.
    • Free Voicemail and many other features.
    • No Term Contract, No Cancellation Fees.

    Buy a local telephone number from your home country. Your family and friends call you as a local call. as if you were just across the street.

    Click here to learn more.

    The call is sent to your VoIP service or landline/mobile phone anywhere in the world and your phone rings. It`s that easy.

    Click here to learn more.

    Here you can find answers to Frequently Asked Questions (FAQs) as well as to many common problems about virtual numbers

    Click here to learn more.

    SIP Provider. Pay as you go SIP account for your IP PBX at the office. Learn more about SIP Trunking

    VoIPVoIP is a division of Kosmaz Technologies LLC.
    Copyright 2006-2016 Kosmaz Technologies LLC. All Rights Reserved.

    Kosmaz is a VoIP service provider enabling pay as you go prepaid Internet phone service and International Virtual Phone Numbers. Bring Your Own Device or BYOD voip option allow customers to connect their own voice over IP systems, SIP devices, including IP phones, softphones, and IP PBX. This single account access solution enables service to be used as home phone service, small business voip service, mobile VoIP phone, pc to phone or as calling card with need of only one account.

    The question to What is VoIP is simple; VoIP stands for Voice over Internet Protocol and is a technical way of saying using the Internet for making telephone calls. VoIP service technology converts regular (or analog) phone calls into data (or digital) and zips them through your high-speed Internet connection.

    The main benefit of VoIP service is very non-technical and simple to understand – it is cheaper than traditional phone services and has more features than you probably currently know about or use. With VoIP service you can call anywhere at anytime for less money. And it’s better than your traditional line because it expands the power of your phone.

    Placing a call with VoIP service is exactly the same as with any other regular phone. Just pick up the handset and dial the regular telephone number. It’s that simple. You don’t have to be technical or computer savvy to use VoIP service. Receiving calls also works the same. The phone will ring just like a regular phone. With VoIP service, just pick up the phone and start talking!

    In more technical terms, your VoIP adapter splits your high-speed broadband connection and converts your analog signal to digital. The digital signal is sent through your modem and across the Internet. Your Internet connection will work as it did before you installed the VoIP adapter, sending emails and other Web data to your personal computer as normal. When someone calls you, they dial your regular telephone number. Behind the scenes, your number looks similar to an e-mail address. This number instructs the call to travel over the Internet to the VoIP adapter, your phone rings, and all you have to do is pick up and answer it.

    VoIP service offers a number of advantages over current telephone services. Although it relies on different technology and communications that does not travel over traditional phone lines, it provides features similar to your current telephone service. This includes Call Waiting, 3-Way Calling, and Caller ID.

    VoIP services also provide additional features that provide control and connectedness, such as the ability for callers to find you wherever you are, the ability to see all inbound and outbound calls over months, and the ability to listen to and manage voicemail.

    A VoIP service will not work without household power or without broadband or high-speed Internet connection

    Along with low domestic and international phone rates, an impressive array of special phone features are available with VoIP services. Typical service plans allow you to choose your own preferred free local dialing US area code, regardless of where you live. You can add a Virtual Phone Number in any area code, forwarded to your phone.

    Some of the other advanced features included;

    Voice Mail and eFeatures – See and hear messages via the Web or through your phone and forward voice messages to your e-mail account. E-mail tells you when you have a message. Forward voicemail as an e-mail attachment.

    Call Logs – View a list of calls you placed and received and click on any number to automatically dial, just like on your wireless phone.

    Call Forwarding – Set your service so callers can find you at other numbers when you’re not at your phone.

    Speed Dial – Set up single-digit shortcuts for the numbers you call the most – just like on your cell phone.

    Personal Conferencing – Set up a meeting room with up to ten callers on the same line. Personal Conferencing is provided free of charge.

    Do Not Disturb – Receive calls only when you want to. Forward calls to voicemail but allow urgent calls to ring through.

    While most VoIP services insist on supplying VoIP device, which usually is locked so it only works with one service provider, with VoIPVoIP, you have the freedom to use virtually any softphone, VoIP adapter, gateway, IP phone, or IP PBX system you choose, as long as it supports SIP (Session Initiation Protocol).

    You can use our VoIP service in many different ways.

    The easiest way to start using VoIP Serive is using PC to phone software from your computer. Simply download free softphone to your laptop, pc and within 5 minutes you will be able to place and receive telephone calls from any high-speed / WiFi location on the planet with the lowest rates and free to other VoIP service users.

    You can use your existing high-speed Internet connection at home and your existing touch-tone phone to make all your calls at a fraction of the cost of analog phone service with Home Internet Phone Service .

    With Business VoIP you can use the power of VoIP and the Internet for big business telephony features on a small business budget.

    With IP PBX systems, you get big business features like auto-attendant, music or message on hold, and much more for a less then ever possible and use the VoIP service network to save you money on calls and monthly service with your local telecommunications provider.

    With International Toll Free Number from any 24 countries of your choice enables international customers to reach your business phone number dialing a local toll free number.

    Phone Card as known as Calling Card is an affordable way to make international calls, just by dialing our access number.

    Virtual Phone Number is real phone number from any 50+ country in the world enabling users to receive calls in any other country in the world with any phone with call forwarding.

    VoIP Provider VoIPVoIP.com you can save 60% or more on VoIP services with no commitments, no contracts, no monthly fees.

    SIP Trunk providers enable VoIP service for any opne source IP PBX system supporting SIP such asAsterisk. Freeswitch, Trixbox, Elastix, FreePBX, PBX in a Flash, PBXtra. VoIPVoIP.com as a SIP provider also supports commercial IP PBX systems such as Allworx, Fonality, Switchvox, Grandstream UCM6104, UCM6108, 3CX, Linksys SPA9000, Epygi, PBXnSIP, Aastra, Talkswitch, Cisco UC unified communications, MS Response Point, VoIPTel. SIP Trunk service is also avaialble for RenegadePBX, Barracude Phone Systems, Xorcom IP PBX, Rhino Ceros, Patton SNBX, Edgewater EdgeMarc, Sangoma FreePBX, Yeastar MyPBX.

    VoIPVoIP.com SIP account provides pay as you go VoIP service for any SIP phone with no contracts.

    Mobile VoIP service enables cheap international calls with mobile phones and smart phones using iPhone VoIP. Android VoIP as well as Windows Mobile VoIP SIP apps and software.


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    What is Alibaba? #alibaba,ipo,jack #ma,what #is #alibaba,alibaba #filing,alibaba #u.s. #listing,alibaba #ipo,alibaba


    What Is Alibaba?

    The Challenges

    The world is going mobile, and Alibaba is competing for China’s smartphone users with new rivals. In its search for growth, Alibaba is forging into new businesses — and bumping into powerful players like Chinese banks and regulators. And will U.S. investors buy the IPO of a company that is still largely unknown to them?


    Alibaba’s IPO is the largest in the world. China’s e-commerce market is still going strong and expectations for Alibaba are high. Still, Alibaba is facing a slew of new business challenges.


    China’s 600 million-plus Internet users are migrating to smartphones, setting off a scramble among the country’s Internet giants. Alibaba’s toughest rival is Tencent. which runs the WeChat mobile messaging application, with 355 million users. The companies are spending billions of dollars to invest in businesses that can help them compete.

    The Tangled Web of the Chinese Internet


    The newest frontier for Alibaba is financial services. You can use Alibaba’s Alipay payments app to buy theater tickets and pay for taxis. You can also use it to invest in a money-market fund. That fund, called Yu’e Bao, has already collected $87 billion in assets. China’s banks and regulators are starting to get alarmed.


    Many brands say Alibaba’s sites — particularly Taobao — are rife with counterfeits. That could be awkward for the company, as it readies its global IPO. Alibaba says it spends millions of dollars a year battling fakes, and some merchants say Taobao has gotten faster at taking down suspect listings.

    A fake Dahon bike and fake SylvanSport campers were listed on Taobao.com. The companies


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    HVACR – Malco Products, SBC #what #is #hvacr



    Tools and accessories for professionals engaged in HVACR installation and service. Specialized hand tools, power-assisted tools and fasteners are available for layout, cutting, fabricating and installing ductwork for delivery of forced air heating or cooling. Specialized and related tools are also available for laying out tubing used with in-floor radiant heating systems and servicing furnace and air-conditioner components.

    Fiberglass Duct

    Duct Tools – Fiberglass Ductboard

    Duct Tools – Fiberglass Flex Duct

    Measuring – Tape Measures

    In Floor Radiant Heating

    Knives Blades

    Measuring – Tape Measures

    Radiant Heat Tools

    Metal Duct

    Awls, Scribers Dividers

    Duct Tools Dampers

    Measuring – Tape Measures

    Measuring – Wheels Rules

    Power Assisted Hole Cutters

    Saw Blades – Hole Saws

    Saw Blades – Reciprocating

    Seamers, Folding Tools Brake

    Sheet Metal Hammers


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    What is ticketing software #what #is #ticketing #software


    Easy Online Event
    Registration Software

    Less emails, less phone calls. More time for your event. Web based, secure, and easy to use. No contract. Fikket takes over your registration and booking administration, so you can focus on your own business. Fikket is used by thousands of event organizers!

    Publish your event

    Set up your online event registration page in a few minutes, with no technical know how required. Use your branding.

    Promote online

    Promote your events by email or social networks like Twitter, Facebook, LinkedIn and many more.

    Take in registrations

    Your registrations start immediately, 24/7. Take in payments online or in the traditional way. Follow up registrations, download participant lists.

    Fikket is built for.

    Fikket is built for seminars, trainings and courses, workshops, universities, events, congresses, classes, and all kind of business events.

    Save time

    Fikket can cut down a lot of the time spent on your event administration. Spend that time on your business.

    Look professional

    Show your clients how organized you are. Show off with a professional registration page with your own branding.


    • Promote on Facebook, Twitter.
    • Set up your own discount codes
    • Different ticket types and prices
    • Define which data to collect
    • Choose your own color and logo
    • Integrate with your own website
    • Accept any credit card or PayPal.
    • Brandable ticket confirmation email.
    • Auto generate invoices.


    • Less administration
    • Available 24/7
    • Easy follow up
    • Online software, nothing to install
    • Booking and buying tickets is easy
    • No printing costs, tickets via email
    • Time is money. Save time and money!

    Contact us

    Fikket lovers say.

    Set up your online event registration page in a few minutes, with no technical know how required. Use your branding.

    M. De Vuyst, Project Manager at across.com

    Fikket is exactly what we were looking for. No confusing whistles and bells. Easy online registration soft!

    B. Grymonpon, Founder at Openminds.be


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    What is Alcohol Abuse? Alcoholism #what #is #alcohol #abuse, #alcohol #abuse

    What is Alcohol Abuse?

    Just as with any drug, people ask, “what is alcohol abuse?” It can be difficult to tell the difference between social drinking, moderate drinking and alcohol abuse, but the alcohol abuse definition comes down to one key point: is drinking causing problems in the person’s life?

    When people start drinking, alcohol abuse is generally the furthest thing from their minds. Drinking is started recreationally, with friends and is associated with having a good time. This positive view of alcohol can be why it is so easy to slip into alcohol abuse. Often the thoughts of alcohol being a “good time” drug stop people from seeing the signs and symptoms of alcohol abuse.

    What is Alcohol Abuse? – Alcohol Abuse Definition

    The alcohol abuse definition is similar to alcoholism in that in both cases alcohol is causing harm to the drinker’s life and those around them. The difference is that those who abuse alcohol, but are not yet alcoholics, typically can put some limitations on their drinking and they have not yet become physically addicted to alcohol. The key to the alcohol abuse definition is not in the amount of alcohol consumed but on how it affects an individual. (See effects of alcohol )

    What is Alcohol Abuse? – Signs of Alcohol Abuse

    Because the alcohol abuse definition is general, the signs are unique for each person. Some of the signs will be similar to alcoholism but often to a lesser degree. Alcohol abuse is though, by definition, problem drinking. Signs that fit within the alcohol abuse definition include: iii

    • Repeatedly neglecting responsibilities due to drinking or hangover affects
    • Using alcohol in ways that are dangerous, for example, drinking and driving
    • Having repeated legal or financial trouble as a result of drinking
    • Continuing to drink in spite of its negative effects on relationships, work or other priorities
    • Drinking as a way to relax or de-stress
    • Drinking as a way to feel good, or simply not feel bad

    What is Alcohol Abuse? – Effects of Alcohol Abuse

    Long-term alcohol abuse can affect everything in a person’s life from their family, job and finances as well as almost every organ in the body. The most important part in understanding the alcohol abuse definition is determining whether it applies in your life so help for alcohol abuse can be sought as soon as possible.

    It is important to understand that while not everyone who abuses alcohol goes on to become an alcoholic, alcohol abuse is one of the biggest risk factors to becoming an alcoholic.

    More on Alcohol Abuse

    Support Group


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    What Is the Average Cost of Tuition Per Credit at an


    What Is the Average Cost of Tuition Per Credit at an Online University?

    With college costs rising nearly every year, the cost of tuition surely weighs on the minds of all those considering either an online or traditional college education. Read on for more information regarding the average cost of tuition per credit hour for an online university. Schools offering Accounting & Finance degrees can also be found in these popular choices.

    Per-Credit Tuition for an Online University

    The average cost per credit hour at Columbia College Online, Online University of Illinois-Springfield, Online University of Wisconsin and several other online universities is between $275 and $395. However, many factors can impact the cost of a complete online degree program. Factors influencing the average per-credit cost of online university programs include the ones shown below:

    • Type of program
    • Residents and non-residents
    • Graduate and undergraduate

    Important Facts About Other Fees for an Online University

    general college fee $150/term

    $179/semester + $18.40/credit hour + $25/credit hour for online academic support

    Residents and Non-Residents

    Several colleges and universities provide a discounted tuition rate for residents of the state in which the school is located. Hibbing Community College, for example, charged Minnesota residents $199.93 per credit hour for online courses and $239.33 for non-residents as of 2015-2016. Some schools may charge as much as twice the cost per credit hour for non-residents as for residents. Other institutions, such as the University of Illinois at Springfield, develop a special online-only rate, which results in the same cost per credit hour for residents and non-residents alike.

    Graduate and Undergraduate

    The average cost of tuition per credit hour for online graduate courses is typically higher than that of online undergraduate courses. This cost is generally between $100 and $125 more per credit hour. Among schools that charge in this range for online graduate courses for the 15/16 academic year are Columbia College Online and Bellevue University, both private non-profit schools.

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


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