DIY Travel Should Save You Money

Travelers or Travelers today, whether experienced or not, have unlimited choices, so why use a travel agent?

Savvy travelers or travelers, when in need of information relating to specific destinations or activities, seek out travel agents with knowledge, experience and expertise of those destinations and activities.

It is not always easy choosing a travel agent. Many agents are called specialists, but sometimes the qualification to be a specialist is a simple test run by a tourism office or tour operator. Sometimes, these tests do not require the agent to have ‘been there, done that, got the t-shirt.’ Some of these tests are too simple and could harm the reputation of the travel industry if allowed to continue unchecked. A ‘specialist’ can mean, ‘I know the brochure product’ or ‘I have seen a training video’ or ‘I have taken a test given by a Tourism Office.’

If you find a specialist, ask about their expertise. Ask them if they or their colleagues have any direct knowledge, experience and expertise of where you want to go and what you want to do, after all, it is your hard-earned money.

Experts are out there. Find them locally or use the internet and then do your bookings with them. You may have to use different experts for different destinations and activities, just as you would select any other professional for accounting, legal, medical or mechanical matters, except in your lifetime you will probably (or hopefully) spend more on travel than all of the others put together.
Reality Check: “I once tried a major chain of travel centers to get 2 tickets to Mexico from Canada. I was only offered 2 airlines. I then used an internet search and came up with 5 airlines and made my bookings online. Perhaps the travel center did not earn commission or was not able to charge a fee for the booking or did not want an ‘air only’ booking or did they only offer their ‘preferred products’ which limits client choices?”

The Nomad

If you do not need an expert agent you can use the internet to find all kinds of global travel choices and then you can make your booking directly with an online agent or travel operator. If you decide to make your own bookings directly with the travel operator you should not have to pay the full retail price which has a built-in amount for commissions to be paid to sellers of their travel products. Retail agencies that have their own in-house tour products which are sold through other agencies should also be prepared to sell at a net price for a direct booking from a consumer.

It is only fair that agents and agencies earn commissions and fees from travel providers such as hotels, lodges, tours, cruises or mark up their own tour products to allow for a third-party sale. They all have overheads which have to be covered to give local consumers the convenience of local shopping and it is important to support your local businesses as long as they offer excellent pricing and service. At the same time, it is only fair that consumers who make their own bookings directly with travel operators should not have to incur this extra cost. Fair fare prices should be available for consumers who want to handle their own direct bookings.

If you are comfortable with dealing over the internet directly with the travel providers and you want to get fair fare prices you can check out a travel website that was launched in April 2008 that, for members only, offers free travel vouchers that saves them the commission or fee elements in retail travel prices. The site offers thousands of travel vouchers for travel in over 70 countries ranging from simple B&B accommodations to complex adventure travel, all at net of commission prices. This travel site is operated by an online travel club that does not sell travel or make reservations and all monies therefore, are handled directly between the members and the travel operators.

The internet has just about everything a traveler or even a traveler could want, whereas agents and agencies can only offer limited selections of brochures from travel providers and operators. There are thousands of travel businesses that never get to see the inside of a travel agency or brochure, but they would still be prepared to pay commissions to sellers of their products. This online travel club allows travel businesses to promote their products and services at no cost except the requirement to issue travel vouchers that represent the normal commissions and fees in the retail price. 100% of these savings are then passed on to members who do their own direct bookings. As a member, all travel vouchers are free but if you do not want to join there is an associated website that sells the same travel vouchers without requiring a membership fee.

A tip from the website. When you make your own direct bookings, do make sure that the time in the time-zone that you are calling is appropriate as “it is embarrassing to wake up a Greek Sea Captain at one in the morning somewhere in the Greek Islands to discuss their listing.” The Nomad at The Top Travel Club.

This site is continually adding new travel selections and as long as you are comfortable and prepared to be a D.I.Y. Traveler or D.I.Y. Traveler over the web, you might find some interesting trips and adventures, some of which are not readily available elsewhere.

In closing, I hope you find the little bits of attempted English language humor humorous and as I consider myself 1 L of a Traveler, I say 2 L with travelers but at last I am happy to have found a web travel centre centered around saving me money. Apologies to both Websters and Oxford dictionaries.

Understanding Best Payday Loans to Make Them a Rule Rather than an Exception

Any loan resulting in a release of cash during times of immediate financial crises would be termed as best payday loan. It is only after the purpose for which the loan was taken gets satisfied that we start thinking critically of the loan. It will be wrong to term this tendency as selfishness. Payday loans are actually made dearer by loan providers. Many borrowers actually decide to take loans at any terms stated by the lenders because of the urgency involved in the situation. Lenders will not miss to profit of this opportunity. Thus, we find best payday loans costing dearly to its borrowers. High rates of interest and large fees are often appended to the payday loan, thus increasing the cost of the payday loan.

However, this was not what you had expected of the best payday loan. High interest rates were expected, but not of the extent that adorns your payday loan now. Neither had you expected that the lender would charge as high a fees. It is when the payday loan comes over for repayment that the expensiveness of the loan comes into view.

Though it may be too late to think of this now, this serves as a lesson for the next time that you plan to take a payday loan again. Proper planning ensures that the payday loan can be conveniently termed as a best payday loan.

Firstly, borrowers need to understand that payday loans differ from the other regular loans in terms of the purpose to which they are employed. The needs to which the payday loan is employed are characterized with urgency. These are generally routine monthly expenses, requiring only a small amount towards their disbursal. Thus, regular loans, where large amounts are exchanged, may not be appropriate. Moreover, regular loans that take several weeks to be approved and sanctioned may not be appropriate for these expenses because of the urgency involved.

Individuals, who may have ended their monthly paycheque before the next paycheque becomes due, find themselves hapless in making any extra payments.Best payday loans provide access to funds at a very short notice. Through payday loans, borrowers can draw funds in the range of £80 to £400. Depending on the needs of the borrowers and the lending policy adhered to by the lender, the borrowable amount may further go upwards. These funds will be used by borrowers to expend with ease.

Payday loans are short-term loans. The amount has to be returned with the interest within a month; sometimes within weeks. Lenders may employ different methods to get back the money. The most popular of these is the post-dated cheque system. The cheque is dated for presentation on the desired date. On the specific date, the amount is automatically cut from the borrowers account. For this purpose, some loan providers would require the borrower to have a checking account.

The post-dated cheque may also serve as collateral. In this sense, Best payday loans may also be regarded as secured loans. Borrowers, who desire to have best payday loans without the clause of collateral, will have to further search the UK financial market. The concept of unsecured payday loans is fast catching up with lenders in the UK, and it may not be much difficult to have best payday loans without collateral.

There are certain essentials that the borrower needs to have in order to become eligible for best payday loans. The borrower needs to be employed with a regular income that is transferred directly into his bank account. The borrower must have a chequebook and a checking account as mentioned before.

An important advantage of best payday loans is that credit history will not be checked. Borrowers with bad credit history will specially find the clause beneficial. Many loan providers may not even require borrowers to present their social security number.

Online application and online processing suit best payday loans. Best payday loans need to be approved fast in order to meet the immediate needs. Online applications transfer personal and loan details quickly to the loan providers. Thus, online application contributes towards a faster approval of best payday loans.

Though best payday loans present a convenient method of drawing cash during emergencies, they must not be misused. Expert advice ensures that borrowers have enough knowledge to make a proper use of payday loans.

What to Pack for Travelling

This is what I consider to be essential items for any traveler/backpacker. These are items which I have used in my past travels, and have served me well.

Backpack

The first most obvious thing for any traveler to decide on is whether to use a backpack or a suitcase. During my first solo travel experience to Southeast Asia, Korea and Japan, I traveled with a backpack. For under 50 I bought a Eurohike 55 litre backpack with a rain cover, which came in handy during the monsoon season! The pack was top-opening, and didn’t really offer much by way of security. I therefore bought a special backpack transit case which I put my backpack into and made it secure from theft, but also made it secure from airport conveyor belts. I had heard that the conveyors in airports sometimes broke clips from backpacks if they were not properly secured, and that some airlines didn’t even want to have backpacks on their airplanes because they were a safety threat. I actually lost the backpack case during the course of my travels, and had to resort to wrapping my backpack in black bin bags and tape in order to prevent the clips from catching airport conveyors. The backpack was comfortable, with some very nice cushioned padding. However, I realized as my trip went on that the pack was a little too large. I had read on many different websites that the smaller and lighter your pack, the more comfortable your trip will be. This is so true. It is not just about how light the pack is for you to carry, but also practical reasons like traveling on packed trains and subways with a giant wardrobe on your back. The backpack was incredibly annoying whilst traveling on busy subways, as I didn’t know if, and how badly, I was bumping into people – but I am sure that I definitely was! However, it was great to have my hands free when I needed to pay for tickets and also carry bags and water bottles.

Suitcase

On my second trip to Japan, I decided to ditch the backpack and travel with a medium sized suitcase. I was traveling for 3 weeks, and had planned to move around the country quite a bit. I was worried about the condition of the suitcase’s wheels by the end of the trip, but altogether I preferred the comfort of a nice suitcase. The suitcase takes up the use of your arms, but it does relieve your back. I found time and again that my backpack was becoming too heavy and cumbersome for longer walks; a suitcase, meanwhile, makes walking a pleasure. Trying to find your hotel in the humid and busy conditions of Bangkok with your gigantic backpack is not a pleasant experience. Though, going up stairs is a pain with a suitcase, but with a backpack it is a breeze. This may be important to you as it is best to travel around a Japanese city (and many other Asian cities) via the subway system, and sometimes they have enormous staircases leading to the platforms. The final clincher is that a suitcase makes you look more businesslike and professional; a backpack makes you easily identifiable as a traveler or tourist, and makes you stand out far more. If I entered a nice hotel with my backpack, I wouldn’t be given the same service as if I travelled with a suitcase. I believe that backpackers have a bit of a bad name in some countries, as backpackers tend to be younger people who are more prone to loutish behavior due to letting of some steam after finishing university.

Daypack

You don’t want to take your suitcase or backpack with you on your daily walks or excursions, so you need a nice convenient daypack. I actually took a shoulder bag, as it looked more stylish than a small backpack. But be warned, a shoulder bag can give you some irritating neck and shoulder pains if you over pack it with large water bottles or souvenirs. In this instance, a nice mini backpack is better as it transfers the weight evenly on your back and shoulders.

Travel Insurance

I always take out travel insurance as you never know what could happen during your trip. It is always better to be safe than sorry. Medical help abroad could cost you thousands if you do not have the correct insurance, so always read the insurance policy properly. When I search for insurance I always turn to comparison sites, such as moneysupermarket. This way you can compare all the different companies offering insurance and their relative policies.

Skype

Skype is a free service which allows you to call anyone in the world (who also has a Skype account) for free. The service is completely free when using the Skype-to-Skype service, and the prices are competitive if you want to call mobile phones or landlines. You can use Skype on your iPod Touch, an actual Skype phone or on your laptop. If you are taking a laptop abroad, you can even use your webcam to make video calls, but if you are not taking a laptop, I found that many internet cafes in Asia had Skype already installed on their computers. Skype also allows you to send instant messages, play games and even transfer files. All in all, Skype is a great device which you should be make use of whilst traveling.

First Aid Box

I like to take a mini first aid box when I travel. The boxes come in some very nice convenient sizes with everything you could need for your trip. Items can include: plasters, antiseptic cream, insect repellent, and various tablets for common travel sicknesses.

Clothing

I will not speak at great lengths on clothing, as I believe this is a personal choice and dependent on different people’s needs. However, I will say that you should always pack light, and think about whether you will ACTUALLY need an item of clothing. Sometimes, I have fallen into the trap of packing far too much clothing ‘just in case’. Whilst traveling in Asia you can always pick up cheap clothing, so there is no need to over pack. The minimum I would take for a month traveling is: 3-4 t-shirts, 2 shirts, trousers, two shorts, swimming shorts, 2 pairs of socks, trainers/sneakers (I would buy some that look formal but are as comfortable as trainers).

Travel Washing Line

I take a small washing line on my trips in case there is not enough places to dry my clothes. If you are packing light, you can just wash your clothes more often, and you will sometimes need a washing line for extra space.

Travel Sink Plug

I used this occasionally when I stayed in hostels. In some budget accommodation you will not have a sink plug, which makes shaving difficult. The travel plug is therefore recommended if you are considering staying in budget accommodation. Also, even some higher grade hotels have faulty plugs in their bathrooms, so it is generally a good item to take.

Toiletries

As a dandy backpacker I have a vast array of toiletries. My toiletry bag consists of: shavers, moisturizers, sun cream, nail clippers, eyebrow tweezers, aftershaves (which I tend to buy from airport duty free), lip balm, deodorant and more!

Rain Mac

If you are traveling anywhere that has a monsoon season then a rain mac is a great idea. Monsoon rain is awesome, and can just take you by surprise and leave you drenched. A little rain mac can be scrunched up into a very small size and can easily be carried in your daypack.

Swiss Army Knife

I sometimes take this on my travels as it has various useful devices: a bottle opener, scissors, toothpick, tweezers, screwdriver heads and numerous knives of varying shape and sizes.

Travel Towels

I recommend taking a large travel towel. These can be folded into an incredibly small size and take very little space in your luggage. They also dry quicker than ordinary towels.

Camera

I really don’t know much about cameras but I definitely know that you will need one on your journey. It’s a way of recording experiences that are not possible in any other way. I just bought an 8 megapixel camera in Bangkok – it has served me well.

Batteries

You will need these for your camera, so make sure you take enough spares from your own country, which tend to be cheaper than whilst abroad.

Mobile Phone

A mobile phone is now a necessary gadget in all parts of life, and is very important during your travels. It is a great device to keep in touch with other travelers, but is also a safety device if you become lost or in danger. Remember to take you charger though, or it will become useless after a few days.

Backup Sim Card

Just in case you lose the first Sim card you can just take another Sim, which are usually free.

Backup Debit/Credit Card

I would take a backup card just in case I lost my main card. If I lost my main card I could just cancel it and then transfer the money from my main account into my backup account via internet banking.

Pens and Paper

You will occasionally need to write things down, such as directions or contacts, and a pen and paper would be very helpful. I would always travel with a mini pen and small notepad in my daypack so that it was easy to get to. You can always use your mobile phone or iPod Touch for this as well.

Travel Adaptors

Travel adapters are necessary if you want to charge your iPod or mobile phone. Once you know where you are going, you can find out what converter plug you will need. It will save you having to search around in your destination country. Some plugs are all-rounders and cover everywhere.

iPod Touch

My iPod Touch has been irreplaceable during my travels. Not only is it great for watching movies, listening to music and playing games whilst waiting for your flight or on long train journeys, it also has practical uses. By downloading free applications via its Wi-Fi capabilities you can turn your iPod Touch into a hotel or hostel finder, a currency exchange service, a travel guide and much more. I also bought a special, and inexpensive, earphone and microphone set for my Touch, which allowed me to use Skype wherever I had free Wi-Fi. Actually you can find free Wi-Fi everywhere in Southeast Asia: McDonald’s, Starbucks, shopping malls, hotels and even airports. However, I surprisingly found that Wi-Fi access is not so easily found in Korea or Japan, and tends not to be free if it is offered.

iPad

I don’t actually own one of these but they just seem to be a large iPod Touch. All the convenience of the iPod Touch being a nice pocket device which is easy to take everywhere is lost on this device. But maybe I am missing something about it.

Travel Guides

I love to read travel guides and always take them on my trips. My favorite guides have always been DK Eyewitness Travel Guides. I regularly use DK Eyewitness Travel Guides: Thailand, Japan and Rome to name a few. I found them incredibly helpful, but most importantly I loved the focus on culture and historical sites. The guides are wonderfully illustrated, easy to navigate, and the pictures and captions are beautifully presented. In addition, the historical sections are informative, well illustrated and a joy to read. I would also recommend Rough Guides and Lonely Planet, which I have also used in the past.

Money Belt

I originally bought one in order to hide my valuables, but then just used it to hold my bus/train tickets or small change so that it was easily at hand and I didn’t have to rummage though bags or my pockets. The money belt can be used as just a regular bum bag (fanny pack if you’re American) without valuable items and just left on display rather than inside your clothing. I just used it as an extra convenient pocket.

Start a Home Travel Business and Profit From the Multi-Billion Dollar Online Travel Industry

Yes, it is true. You can make money online working from home and can actually make a lot of money if you work hard, stay focused and execute. You can build a home travel business and live the Internet lifestyle you always dreamed of by operating an online home travel business. This article will put to rest any misgivings you may have had about starting an online travel business. I will not sugar coat it. In fact much of what I have to say will probably cause an up-roar in some parts of the online travel industry. I am aiming to tell it like it is.

The TRUTH!
Who really Makes Money in Online Travel. The truth is that you can’t really make a lot of money reselling other businesses travel products. This statement is directed towards the home-based travel agent market. Yes, its easy to get started as a home-based travel agent and the online travel agencies can provide you with your own personalized white label branded website, including quality customer support but in the end you are NOT building a business, you are only paying yourself a salary.

Don’t be fooled.

I am amazed at the amount of junk that there is online out there catering to the make money online from home crowd, touting selling travel as the route to freedom and riches. This truth is probably the most important fact anyone will ever tell you if you are just thinking about entering the online travel business. Let me repeat this for you one more time.

It is difficult to become rich and build a company reselling other companies travel products. You can become rich over time by building a business that sells your own uniquely branded travel products. You can get rich and build a business if you “own the travel product.”

Owning the travel product means that you are contracting directly with travel suppliers under your company’s own contracts, you are not just reselling a travel product owned by another travel business, tour operator, travel agency or travel consolidator. Your business creates the travel product by doing deals directly with travel suppliers. Your contracts with the travel suppliers become your businesses own unique inventory for the travel products you will be selling. The new travel product becomes your own brand. Your online travel business sells the travel product directly to consumers online or wholesales it too other travel agencies, travel agents, tour operators and re-sellers.

The Home based Travel Agent Dilemma.
I know I am opening up a can of worms here by disclosing this information but it’s really the truth. My intent is not to knock anyone down but to provide insight into how the online travel business really works and to show you WHO is really making the money and how you can make real money by deciding from the get go to actually build a business.

Yes, if you want to make $20,000-$50,000 working from home then reselling cruises or popular travel products will be the best option for you but if you want to make real money, six or seven figures and you want to build a business that has real tangible value and can be sold later then you need to develop and sell your own travel products.

The Internet is NOT causing Travel Agencies too shut down.
I believe that the main reason that brick and mortar travel agencies are closing is not because of the Internet but because all they are really doing is reselling other companies travel products. The Internet contributed to the destruction of the traditional brick and mortar travel agency but the biggest factor in the down fall of travel agencies and travel agents in the travel industry is due to the fact that they are not selling anything unique or different from anyone else. It’s really a business model established to fail in the long run.

How do you own your own travel product? You can own your own travel product in two different ways.

1. Your business acts as a travel supplier providing tours, guiding, travel and tourism related activities or you own a lodging property.
2. Your business partners with two or more travel suppliers to resell their individual travel products under a unique package that you own.

What type of Online Travel Business do I need to start where I can own my own travel product, sell packages and build a real business?

-Online Travel Agency
-Online Tour Operator
-Online Tour Guide
-Online Travel Broker
-Receptive Tour Operator
-the Hybrid

Let’s discuss a little about each type. There are many directions you can go.

OTAs or Online Travel Agencies traditionally sell everything underneath the sun; including lodging, air, cars, vacation packages, and much more. On a hierarchy level of all online travel businesses, this would be the most expensive and most challenging type of online business to start. It’s doable don’t get me wrong it would just take much longer and be more expensive to startup.

If you second tier niche and focus on contracting your own lodging deals and contracting with activity suppliers you could easily build a smaller more focused OTA. Another option would be for you to utilize the Global Distribution System (GDS) for air, car and for lodging that you could not contract yourself. I don’t recommend this last option as you’ll be just reselling product you don’t own but as long as you can combine the non-owned GDS products with your own contracted travel products you could create a nice win-win for the bottom line.

Online Tour Operator’s sell dynamically packaged trips and pre-packaged trips to vacationers. I believe building an online tour operator business is your best option at building a successful online travel business.

Now let me first state that the name is a little miss conceiving because of the word “Tour.” There is a big difference from a tour and a trip. On a tour there usually is a tour guide or person leading the tour with the travel participants. On a trip the traveler is traveling by themselves or with other people but there is no tour guide involved. In the travel business they call this a FIT trip, Drive vacation or Fly-Drive package.

I favor selling trips, where the traveler buys a tour or trip product then attends the trip by themselves on their own time. The reason being for this is two parts.

1. You don’t have to be the tour guide and you don’t have to hire one either.
2. You have 100% more freedom by not actually participating in the tour itself. Just think of the time involved of actually going on a tour with a group or individual people.

We operated tours when my wife and I owned the Yellow Breeches House Fly Fishing Lodge and B&B. We ran fly fishing excursions with lodging and guiding. Guess who was one of the guides? Yes, you got it. Yours truly. I would not change the past for anything. I learned so much from being a fly fishing guide and owning a lodging property. I just wouldn’t want to run that type of business again. There are much better travel business models out there. That’s part of the beauty about this report is that I am able to share some true life, realities for you.

Sell Trips not Tours. This is the most important thing I can tell you regarding wanting to live the Internet life style and working from home enjoying the freedom that comes from owning your own online travel company. You won’t be living any Internet lifestyle if every week you are giving tours.

Online Tour Guide’s provide tours to individuals and or groups. If I didn’t scare you off from above that’s ok, the tour guide business is a great business and it’s easy to get started with limited investment. This is a great business to enter the travel business and starting learning about how to build a business.

If you love dealing with people and spending much of your time outside then this is probably the best travel business for you. This is serious work, day-in-and-day-out, as you are always outside in the elements. This travel business could be a stepping-stone for you to then go ahead and build an online tour operator business. I have a really good friend that owns a kayaking guide service. He runs Eco-adventures that include island hoping for three to five nights. He just loves it.

Let me share a little strategy with you that will totally change the way you build or grow your existing tour guide business. Hopefully by now you’ll already see it and be way ahead of me but if not here it is.

Create packages for your tour guide business that includes lodging, meals and your guide or tour service. You probably sell trips, guiding and or tours as an hourly or day product. Take the next step and package in lodging and meals and maybe a third activity. Sell packages to your clients and you will super-charge your revenue in a very big way.

Example:
Take an existing kayak guide that sells day trips for $250 for 2 people. Now create overnight packages. Create a new product line for your business.

1. Contract with a lodging supplier to buy lodging for your kayak packages.
2. Contract with two local restaurants to buy dinners for your kayak packages.
3. Sell a 2 night, 1-day kayak excursion, with 2-dinners. Make money off the lodging, dinners and a 3rd activity and you can seriously start adding more profits to your business.

Online Travel Broker – this is a new business category I stumbled upon. I believe this is a type of business you could start with literally no money. It’s just a matter of understanding the travel business. Here is how an online travel broker operates.

Every travel supplier needs sales representatives. Your travel broker business contracts with travel suppliers to represent their business and help them sell more of their travel products. Many smaller travel businesses don’t have sales representatives. This may be your entry into the online travel business industry.

Let’s say you live in a resort town or area and there are 4 golf courses nearby or 3 ski resorts. You represent the travel supplier’s products, finding larger partners and or re-sellers that would resell or distribute your client’s products. This business is just a matter of finding other travel suppliers that need sales representatives and finding larger companies looking for new travel products to sell and distribute. You make money by earning a percentage of all future sales booked or earn a flat fee per contract you sign. This would be a great way to enter the travel business as a part-time business. You could start with not much investment and build out slowly.

Receptive Tour Operators receive inbound travelers from foreign countries. This is a B2B business (business-to-business). You build an Online Tour Operator business but you don’t sell your travel products directly to consumers or vacationers online, you sell your owned travel products to wholesalers or other tour operators in foreign countries that then resell them directly to travel agencies and the consumers in their country. If you live in a world- renowned destination area or region where foreigners come visit you can build a successful receptive tour operator business. The receptive tour operator business takes longer to develop as the buyers of your travel products will be other travel companies, tour operators and seasoned travel business won’t necessarily want to do business with a company that is new or just in startup mode. Adversity can be overcome though, through focus, determination and having an owned travel product that a wholesaler or foreign tour operator believes he can sell and make money.

The Hybrid – build an Online Tour Operator business that caters to individual vacation travelers. After the business starts selling trips and or tours, start building a Receptive Tour Operator business component.

I hope you have enjoyed a little insight into the world and possibilities of the online travel business and what it will take to start a home travel business.

Digital Home Furniture

Living in the digital age with furnishings

Those that have modern homes will be looking to include some choice contemporary TV stands which are readily available on the market these days. These are things that enable us to enjoy the digital age within our homes. They are not gadgets in themselves but items that support the use of gadgets. You can decide that you are not going to use them in your home and that would be absolutely fine. At the same time most logical people would conclude that you are missing out on something. The use of these items can add something special to your furnishings. In some instances it is imperative to have some choice contemporary TV stands which are readily available on the market these days.

The home that you have will determine the route that you take. It might even be feasible to have some choice contemporary TV stands which are readily available on the market these days. If your home is filled with chintz then you have to find furniture that fits in with that model. You cannot just rely on the outdated modes to get through. The choices that you make with your furniture have to be positive choices that are based on the things that you like. If you make the default decisions then you will not get the maximum utility from your furniture. The some choice contemporary TV stands which are readily available on the market these days will provide you with the buffer that you need.

There are different varieties of items that you can use to complement the existing furniture in your home. The use of the some choice contemporary TV stands which are readily available on the market these days is just one of these methods. At the end of the day you will be looking to have something that looks nice but also serves a practical. If you have many digital items in your home then it makes sense that you will need something to store them or even support them. This is particularly true if the items that you have need to be hoisted up. That is the function of the some choice contemporary TV stands which are readily available on the market these days.

We then look at the possibility of having the items handmade. This would involve some expense but at the same time there is an authenticity that is required when you buy some choice contemporary TV stands which are readily available on the market these days. If you are always going for the standard fare that everyone has then you can lose the element of authenticity that might have rescued the items that you are dealing in. It is all up to you to decide how you are going to play this game. You will find a useful ally in the some choice contemporary TV stands which are readily available on the market these days. Your imagination can then run wild with different ideas for your home.

Make Fast Money – 2 Incredible Ways to Make Money Fast and Quick

Are you looking for ways to make fast money, so you could pay off some bills or take a vacation or even to help you buy a new car? Or maybe you are even looking for a way to make money working from home for a full time income, fast and easy? Then here are some ways that can make you fast money using your computer.

1. Sell your stuff on eBay

This is one of the best ways to make fast money online, and it doesn’t even cost you any money out of your pocket. First, just look through your closets, basements, and in your attic, or just any place in your house that you might have put some junk for storage. Search for antiques, old collectibles, or just anything that is useless for you.

Once you find some old stuff, just make sure that they are clean. And list them on eBay.com for sale. Always remember, “Your junk could be somebody else gold mine”. There are people that are making each month thousands of dollars through selling on eBay. This is an excellent way to start making money fast.

2. Start a blog

This is one of the most common ways to make fast money. What you will be doing is that you will start a blog on a topic that interests you, and after that you will look for products that are related to your topic. And you will promote them through your blog.

To start a blog is free. You could just register with Blogger.com, or WordPress.com, and once your account is up and running, you could start posting to your blog immediately.

After your blog becomes popular with a lot of visitors, you would like to make some money out of your blog, so you should go and search for a product to recommend. Make sure that the product you pick to recommend is related to your blog.

A very good place to find products to promote is ClickBank. They have a huge marketplace with thousands of products to choose from. Once you choose a product you could write a review about that product, saying why you recommend this product. Or, you could just place an ad along the side of your blog.

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Dealing With Divorce

Everyone knows that Vegas is the place to be for any sort of celebration such as a bachelor or bachelor party or even just going out on the town for a weekend for fun. In some cases Vegas becomes a little hard to handle and some people can often lose what they originally came with. The next morning many things can be a surprise to you, including a new wedding band on your finger or a headache that is worse than ever. If you are waking up next to someone who you do not know and cannot remember and there is a signed document there you may need the assistance of a Las Vegas Divorce Attorney. A Las Vegas Divorce Lawyer can get both parties out of the issue without a very difficult trial of events.

There are many ways to ensure that big mistakes like these do not happen or are less likely to happen on your very fun trip planned for Las Vegas, Nevada. In Nevada there are many different rules than in some other states and sometimes it is important to make sure that you know what those are before you get there. Another good way to make sure that nothing goes too incredibly wrong is to go with a group of friends rather than alone. The chances are good that one person in your group will probably want to stay alert throughout the night making sure that everyone is okay. If you have that person you can guarantee that you will be a little safer.

A lot of people like to go to Vegas to let off steam and let loose and relax, but do not get too relaxed. Remember that your visit to Vegas is meant to be enjoyable. You should not feel like your mind has been erased when you are finally heading home. A good way to do this is to make sure that you are fully prepared for any sort of extra partying that you may not be ready for. Do not lose control of yourself because this can end in multiple bad decisions.]

Las Vegas is a city known for some crazy nights but you do not have to be a part of something that you do not want to. If you are not there to gamble and drink and party in the clubs, there are plenty of other things to do. There are several different relaxation resorts and spas as well as many shows and cool museums to look around in. If you are interested in shopping there is also a great social scene with lots of designer stores to get exactly what you want. The night scene may be a little too exciting for you, but that is totally okay.

Vegas changes a little from day to night and for some people Vegas is not all about gambling relentlessly and drinking until they pass out. If this is not for you, there are plenty of other fun things to do as well. The most important thing is to remember to have fun and enjoy.

Travel The Majestic Canadian Rockies In Luxury

Each major mountain range of the world is known for its scenic splendor and the Canadian Rockies are no exception. The Canadian Rockies are a must-see location for travelers who enjoy the majesty of mountain ranges or for anyone who desires to be counted among the well-traveled world explorers. For over 125 years, savvy travelers have taken advantage of the superior opportunities to view the panoramic scenery of the Canadian Rockies through luxury train excursions.

The historic trains of Royal Canadian Pacific (RCP) offer a luxury travel experience like no other. At the 2006 World Travel Awards ceremony RCP won the “World’s Leading Luxury Train” award, winning over such notable train experiences such as the famed European Orient Express and The Blue Train of South Africa. RCP guests can be assured of five-star luxury service in an intimate atmosphere as only 32 guests are on board each rail excursion. Chartered individual tours can be arranged for the ultimate in privacy and service.

The fully restored railcars hail from the 1920’s, the era of luxury travel of such notable society names as Rockefeller, Carnegie, Churchill and the British Royal Family. Wealthy individuals traveled to the famed lodge on Lake Louise to spend the summer season in the cool natural beauty of the Canadian Rockies. Travelers seeking the best in luxury travel can relive the elegant lifestyle of the pre-war American and British elite, admiring the unchanged scenery of this majestic part of the world.

The Royal Canadian Pacific train originates in Calgary in the province of Alberta. The tour package includes limousine service between the airport, hotel and train locations as well as gourmet dining experiences in Calgary before and after the tour. RCP provides first-class amenities and service from beginning to end.

Another well-known train service to the highlights of the Canadian Rockies, the Rocky Mountaineer, travels between Vancouver, British Columbia on the west coast, to Calgary with stops at the popular tourist destinations of Whistler, British Columbia, and Jasper or Banff in Alberta. Travelers originating or terminating at Vancouver can easily extend their scenic experience with an Alaskan cruise which includes whale watching and spectacular views of Alaska’s famed glaciers.

The Rocky Mountaineer takes a 2-day journey to the national parks at Jasper and Banff and features glass domed bi-level rail cars. Travelers enjoy the panoramic views from the second storey. Gold Leaf Service provides seated first-class dining en-route. Overnight accommodations and dinner are provided at a moderate hotel. While not the award-winning luxury trip of RCP, the Rocky Mountaineer provides an alternate means of reaching the famed tourist spots of the Canadian Rockies from the west coast of Canada.

A knowledgeable travel consultant can combine the train trip with a stay at a luxury resort nestled in the pristine forests of the Canadian Rockies. There are any number of modern first-class premier resorts that provide tourists with upscale accommodations and service nestled in the stunning forests near the numerous clear lakes of the area. Anyone seeking an Eco-friendly luxury travel experience in a peaceful and private spot in the world need look no further than a Canadian Rockies adventure.

How I Made My Travel Certificates

Although my company is deeply involved in the design and sales of Travel Related Incentives and Rewards, first and foremost, we are a travel agency. Everything we do here is for the purpose of gaining access to travel customers.

Travel Agencies have been through some pretty big changes over the years starting with the airlines deciding that we didn’t deserve a commission for our services anymore. That sort of snowballed through many other travel service providers as the Internet opened up access to many of the same travel sources that we travel agencies used to call our own.

Today, instead of earning a commission by simply booking reservations for their clients, travel agencies must specialize in areas where they can guarantee travel service providers a large number of travelers. This allows the agency to negotiate rates below what is available to the consumer directly. So, the travel agency of this new era is now working for the travel services provider instead of the traveler. To make the new concept work, agencies are always looking for favorable pricing on the most desirable types of travel and then struggle to find the 1000’s of travelers they need so they can keep their contracts.

I developed my business model a number of years ago before the commission crunch began and unknowingly got a jump on the trend. I decided to try and market travel packages through the Human Resource departments of large companies. I put together cruise packages based on favorable rates I was getting from a few cruise lines sailing out of Florida. I offered these discount packages to employees as a company benefit. The companies loved it and were quite willing to put my flyers in their employee’s pay envelopes each week. That was almost 20 years ago and I still have a few companies that still use my original program today.

Getting really low rates on the most desirable types of travel is great but getting it for free is even better! While most agencies were desperately looking for more travelers, I knew if I could provide the travel services for little or nothing, this would never be a problem for me. I just had to figure out how I could get someone else to pay all or at least some of the travel expenses.

Living in Florida I watched as condominiums were being built one after the other from one coast to the other and all points in between. These were time share condo developments and they were some of the nicest resorts that Florida had to offer. They had a lot of empty suites week after week and they were looking for travelers too. I made a few calls and soon after I had arrangements with dozens of resorts that would give me access to their accommodations simply to have the opportunity to show my travelers around in hopes they would buy. All I needed now was a cost effective way to let people know what I had to offer.

It wasn’t just me that was looking for customers; everyone that was in any kind of business was looking for customers. I got together with a few marketing managers I knew and proposed that we work together. If they would cover the cost of the fees, I could give them a travel certificate that they could in turn give to their customers in reward for their business. It wasn’t long before I had several business owners who were promoting my travel packages by purchasing travel certificates from me and then giving them out to all their customers. It was the perfect idea: Travelers got to go to great places almost for free, my business associates got terrific sales incentives at a great price and I got plenty of travelers to fulfill my contracts with all my fees prepaid!

Since then I’ve design 100’s of travel certificate programs. The scope of each program is based primarily on the amount of money the business wants to pay per certificate towards the fees. The travelers makes up the difference but still has access to deeply discounted travel services that they would not be able to get elsewhere.

Understanding the Home Loan Application and Mortgage Approval – The Mortgage Lender Analysis

Do You Pass The Mortgage Lender Analysis? When a mortgage lender reviews a real estate loan application, the primary concern for both home loan applicant, the buyer, and the mortgage lender is to approve loan requests that show high probability of being repaid in full and on time, and to disapprove requests that are likely to result in default and eventual foreclose. How is the mortgage lenders decision made?

The mortgage lender begins the loan analysis procedure by looking at the property and the proposed financing. Using the property address and legal description, an appraiser is assigned to prepare an appraisal of the property and a title search is ordered. These steps are taken to determine the fair market value of the property and the condition of title. In the event of default, this is the collateral the lender must fall back upon to recover the loan. If the loan request is in connection with a purchase, rather than the refinancing of an existing property, the mortgage lender will know the purchase price. As a rule, home loans are made on the basis of the appraised value or purchase price, whichever is lower. If the appraised value is lower than the purchase price, the usual procedure is to require the buyer to make a larger cash down payment. The mortgage lender does not want to over-loan simply because the buyer overpaid for the property.

The year the home was built is useful in setting the loan’s maturity date. The idea is that the length of the home loan should not outlast the remaining economic life of the structure serving as collateral. Note however, chronological age is only part of this decision because age must be considered in light of the upkeep and repair of the structure and its construction quality.

Loan-to-Value Ratios

The mortgage lender next looks at the amount of down payment the borrower proposes to make, the size of the loan being requested and the amount of other financing the borrower plans to use. This information is then converted into loan-to-value ratios. As a rule, the more money the borrower places into the deal, the safer the loan is for the mortgage lender. On an uninsured home loan, the ideal loan-to-value ratio for a lender on owner-occupied residential property is 70% or less. This means the value of the property would have to fall more than 30% before the debt owed would exceed the property’s value, thus encouraging the borrower to stop making mortgage loan payments. Because of the nearly constant inflation in housing prices since the 40s, very few residential properties have fallen 30% or more in value.

Loan-to-value ratios from 70% through 80% are considered acceptable but do expose the mortgage lender to more risk. Lenders sometimes compensate by charging slightly higher interest rates. Loan-to-value ratios above 80% present even more risk of default to the lender, and the lender will either increase the interest rate charged on these home loans or require that an outside insurer, such as FHA or a private mortgage insurer, be supplied by the borrower.

Mortgage Closing Settlement Funds

The lender then wants to know if the borrower has adequate funds for settlement (the closing). Are these funds presently in a checking or savings account, or are they coming from the sale of the borrower’s present real estate property? In the latter case, the mortgage lender knows the present loan is contingent on another closing. If the down payment and settlement funds are to be borrowed, then the lender will want to be extra cautious as experience has shown that the less of his own money a borrower puts into a purchase, the higher the probability of default and foreclosure.

Purpose Of Mortgage Loan

The lender is also interested in the proposed use of the property. Mortgage lenders feel most comfortable when a home loan is for the purchase or improvement of a property the loan applicant will actually occupy. This is because owner-occupants usually have pride-of-ownership in maintaining their property and even during bad economic conditions will continue to make the monthly payments. An owner-occupant also realizes that if he/she stops paying, they will have to vacate and pay for shelter elsewhere.

If the home loan applicant intends to purchase a dwelling to rent out as an investment, the lender will be more cautious. This is because during periods of high vacancy, the property may not generate enough income to meet the loan payments. At that point, a strapped-for-cash borrower is likely to default. Note too, that lenders generally avoid loans secured by purely speculative real estate. If the value of the property drops below the amount owed, the borrower may see no further logic in making the loan payments.

Lastly the mortgage lender assesses the borrower’s attitude toward the proposed loan. A casual attitude, such as “I’m buying because real estate always goes up,” or an applicant who does not appear to understand the obligation he is undertaking would bring low rating here. Much more welcome is the home loan applicant who shows a mature attitude and understanding of the mortgage loan obligation and who exhibits a strong and logical desire for ownership.

The Borrower Analysis

The next step is the mortgage lender to begin an analysis of the borrower, and if there is one, the co-borrower. At one time, age, sex and marital status played an important role in the lender’s decision to lend or not to lend. Often the young and the old had trouble getting home loans, as did women and persons who were single, divorced, or widowed. Today, the Federal Equal Credit Opportunity Act prohibits discrimination based on age, sex, race and marital status. Mortgage lenders are no longer permitted to discount income earned by women even if it is from part-time jobs or because the woman is of child-bearing age. Of the home applicant chooses to disclose it, alimony, separate maintenance, and child support must be counted in full. Young adults and single persons cannot be turned down because the lender feels they have not “put down roots.” Seniors cannot be turned down as long as life expectancy exceeds the early risk period of the loan and collateral is adequate. In other words, the emphasis in borrower analysis is now focused on job stability, income adequacy, net worth and credit rating.

Mortgage lenders will ask questions directed at how long the applicants have held their present jobs and the stability of those jobs themselves. The lender recognizes that loan repayment will be a regular monthly requirement and wishes to make certain the applicants have a regular monthly inflow of cash in a large enough quantity to meet the mortgage loan payment as well as their other living expenses. Thus, an applicant who possesses marketable job skills and has been regularly employed with a stable employer is considered the ideal risk. Persons whose income can rise and fall erratically, such as commissioned salespersons, present greater risk. Persons whose skills (or lack of skills) or lack of job seniority result in frequent unemployment are more likely to have difficulty repaying a home loan. The mortgage lender also inquires as to the number of dependents the applicant must support out of his or her income. This information provides some insight as to how much will be left for monthly house payments.

Home Loan Applicants’ Monthly Income

The lender looks at the amount and sources of the applicants’ income. Sheer quantity alone is not enough for home loan approval; the income sources must be stable too. Thus a lender will look carefully at overtime, bonus and commission income in order to estimate the levels at which these may reasonably be expected to continue. Interest, dividend and rental income would be considered in light of the stability of their sources also. Under the “other income” category, income from alimony, child support, social security, retirement pensions, public assistance, etc. is entered and added to the totals for the applicants.

The lender then compares what the applicants have been paying for housing with what they will be paying if the loan is approved. Included in the proposed housing expense total are principal, interest, taxes and insurance along with any assessments or homeowner association dues (such as in a condominium or town-homes). Some mortgage lenders add the monthly cost of utilities to this list.

A proposed monthly housing expense is compared to gross monthly income. A general rule of thumb is that monthly housing expense (PITI) should not exceed 25% to 30% of gross monthly income. A second guideline is that total fixed monthly expenses should not exceed 33% to 38% of income. This includes housing payments plus automobile payments, installment loan payments, alimony, child support, and investments with negative cash flows. These are general guidelines, but mortgage lenders recognize that food, health care, clothing, transportation, entertainment and income taxes must also come from the applicants’ income.

Liabilities and Assets

The lender is interested in the applicants’ sources of funds for closing and whether, once the loan is granted, the applicants have assets to fall back upon in the event of an income decrease (a job lay-off) or unexpected expenses such as hospital bills. Of particular interest is the portion of those assets that are in cash or are readily convertible into cash in a few days. These are called liquid assets. If income drops, they are much more useful in meeting living expenses and mortgage loan payments than assets that may require months to sell and convert to cash; that is, assets which are illiquid.

A mortgage lender also considers two values for life insurance holders. Cash value is the amount of money the policyholder would receive if he surrendered his/her policy or, alternatively, the amount he/she could borrow against the policy. Face amount is the amount that would be paid in the event of the insured’s death. Mortgage lenders feel most comfortable if the face amount of the policy equals or exceeds the amount of the proposed home loan. Less satisfactory are amounts less than the proposed loan or none at all. Obviously a borrower’s death is not anticipated before the loan is repaid, but lenders recognize that its possibility increases the probability of default. The likelihood of foreclosure is lessened considerably if the survivors receive life insurance benefits.

A lender is interested in the applicants’ existing debts and liabilities for two reasons. First, these items will compete each month against housing expenses for available monthly income. Thus high monthly payments may reduce the size of the loan the lender calculates that the applicants will be able to repay. The presence of monthly liabilities is not all negative: it can also show the mortgage lender that the applicants are capable of repaying their debts. Second, the mortgage applicants’ total debts are subtracted from their total assets to obtain their net worth. If the result is negative (more owed than owned), the mortgage loan request will probably be turned down as too risky. In contrast, a substantial net worth can often offset weaknesses elsewhere in the application, such as too little monthly income in relation to monthly housing expense.

Past Credit Record

Lenders examine the applicants’ past record of debt repayment as an indicator of the future. A credit report that shows no derogatory information is most desirable. Applicants with no previous credit experience will have more weight placed on income and employment history. Applicants with a history of collections, adverse judgments or bankruptcy within the past three years will have to convince the lender that this mortgage loan will be repaid on time. Additionally, the applicants may be considered poorer risks if they have guaranteed the repayment of someone else debt by acting as a co-maker or endorser. Lastly, the lender may take into consideration whether the applicants have adequate insurance protection in the event of major medical expenses or a disability that prevents returning to work.

When a mortgage lender will not provide a loan on a property, one must seek alternative sources of financing or lose the right to purchase the home.