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10 things every car buyer must know

Sunday, October 22nd, 2006

Think, what do I need transportation for right now and what will I need two years from now? Do I want a car as a status symbol or as something that makes my life easier? Will the car be a commuter vehicle, or to transport children? Would a van with cargo space and high clearance be more suitable for a growing family? Should the car be a two-wheel or four-wheel drive? What kind of terrain will I be driving in most of the time? Go through auto magazines as well as consumer reports to get a clear picture of the world of cars.

1.Work on your finances and determine what you need to spend each month on transportation. A car should not cost more than 10% of your net pay per month. If it is more, then consider leasing a car instead of buying one.

2.Before you finalize anything, find out what the target price is. Four figure discounts are available with almost every make.

3.Never sign an arbitration clause or blank financial forms. Try and get finance from a separate source, a bank or financial institution.

4.Haggling will get you a good deal apart from shopping around for finance. The market is competitive be sure to check dealer fiancי, high street, internet lenders, as well as other options.

5.Try and ensure a large down payment thereby reducing the loan to be paid. Work out your finances and choice of car such that the term of loan is for the shortest period.

6.Find out what buying incentives are on offer. These vary from audio systems to cash back offers, and 0% financing. Ask what extras and add ons will cost in addition to the price of the car.

7.Be sure to evaluate your old car independently if you are considering a trade in. Pay attention to ‘cost to change’, the difference between what the new car costs and what the old one is worth.

8.Find out about warranties, taxes, and insurance. These can eat into your budget.

9.Vet the contract well. Read the fine print. Make sure that paying off the loan before time will not carry any penalty.

10.Check out at least 3-4 dealers to gauge what the best offer is.

Test drive the vehicle before you finalize the deal and go through the car booklet page by page to understand all that the manufacturer needs to tell you. Be clear what is under warranty and what is not.

Never choose vehicle based on a picture or dream. It is not how you look in the car that’s important but how well the car will fulfill your needs. Be practical and sensible; do not buy a model because the dealership is offering a holiday for two or a low interest scheme. Identify a vehicle that suits your needs before subjecting yourself to an onslaught of marketing.]]>

10 Ways To Identify If Your Mover Is Right For You

Thursday, October 19th, 2006

Keep in mind the following: movers must have a good reputation, an extensive network, and be licensed and insured. In addition, they must be professional, polite, understand your needs and proffer the right advice.

Here are a few considerations to put you on the right track:

1.Meet the mover and find out how long they have been in business and whether they can give you a few references.

2.Check the references. Call his clients to check on the services the mover offered and whether there were any problems.

3.Do an online search to determine whether there are any warnings or complaints against the mover.

4.Check with the local chamber of commerce or bank to determine the moving company’s business standing.

5.Check if the mover’s license and insurance are current. Ensure they have workman’s compensation and other benefits in place.

6.Determine whether the mover handles the work himself or assigns it to a sub agent or associate.

7.The mover must have a wide network with offices in the place you are moving to.

8.A reputable mover will be a member of AMSA, the American Moving and Storage Association. As a professional he will have committed to following an industry Code of Conduct and will offer quality service.

9.The ideal mover will not give you an estimate off the top of his head. He will insist to making a preliminary inspection, listing objects to be moved, and ask you to answer a number of questions. Based on which he will prepare an estimate and highlight variables.

10.He will be open minded and explain clearly what you can expect and what you cannot. He will tell you all about insurance, the actual moving process, transit storage, guarantees and so on.

An ideal mover will value your business and explain his responsibilities clearly.

Once you know you have to move allocate enough time to finding the right mover. Ask relevant questions like will my stuff reach its destination as promised, will the material move as one load or as part of other things, a larger load. What kind of training do your workers receive? Are the workers experienced in packing antiques and other valuables? Do I need additional insurance apart from the one provided by you?

Be prudent and weigh the pros and cons carefully. Never let cost dictate your choice. Sometimes by cutting corners to save a few pennies you may loose thousands in damaged goods or lost goods.]]>

An Introduction to Cigars Today

Sunday, October 15th, 2006

The humidor, the most well known cigar accessory, comes in a variety of shapes, sizes and price ranges. In addition, one can find many other boxes, display cases, lighters, cutters and cigar-related gifts available at local stores or online retailers. Websites like Cigarworld can direct you to a local outlet that will serve all your needs.

Despite a remaining stigma regarding their legality, Cuban cigars still count themselves among the most highly regarded and sought after brands. Due to their superior taste and quality, and also because of the geographical obstacles to obtaining them, they have traditionally been difficult to buy and very expensive once located. Fortunately, recent relaxations of various U.S. sanctions regarding the importation of Cuban Cigars has made their availability to American buyers much more common.

The increased availability of discount prices on premium brand cigars has also contributed to the rise in popularity of cigars and cigar smoking. Online merchants such as Payless-cigars offer many high quality brands at prices much lower than those found in traditional stores. Plus, they can be shipped to your doorstep quickly, cheaply and anonymously.

With all the other cigar accessories available for purchase, cigars have become big business in the States in recent years. In fact, since the early 1990s sales for cigars and cigar products have risen to heights previously unseen. Due in part to their popularity among celebrities, cigar smoking has taken on a hip, youthful image that elevates smoking cigars from a simple recreational hobby, to an integral part of a luxurious lifestyle.]]>

Moving Dilemmas Consider Storage Facilities

Thursday, October 12th, 2006

The modern solution is to put things you don’t want to use but cannot part with into a state-of-art storage facility. Many storage units have things like climate control, pest control to prevent destruction of stored items, as well as round the clock security.

When locating a storage unit keep in mind issues like will you need to take things out of storage often? If yes then choose a facility located close to where you live. Compute how much space you will actually need. Experts recommend taking a smaller space and filling it floor to ceiling rather than paying for space that will never be used. There are options like mini storage for really small loads. Think about whether you are storing antiques or paintings if yes, then look climate controlled storage.

Standard sizes of units are: 5×10; 10×10; 10×20; and 10×30. Find out how many items each kind can store. For example a 10×20 can hold most things from a two bedroom house while a 5×10 will hold a couch, chair, chest of drawers, small boxes, bicycles, and motorcycles.

Make a list of possible units. Find out how long they have been in operation and whether they have a solid reputation. Read all the rules and regulations. Some storage units allow 24 hr access while others have timings. Consider protecting your goods with sufficient insurance coverage.

Pack all the items to be stored in weather resistant strong boxes with padding like bubble wrap if there are breakables. Make a key list what each box contains and decide a priority list where by what you are unlikely to use will be stored at the bottom or back of the facility and what you may need to retrieve will be stored in front such that it becomes easily accessible.

The rent to be paid will be calculated on the size of the unit, the number of units available of the size you need, the term of lease, as well as facilities offered. Even storage facilities offer discounts so do ask. Clever negotiation can save you money. Many facilities charge in addition to rent, set up or processing fees as well as late fees if the rent is not paid within the stipulated time. Read the agreement carefully and seek answers to questions regarding security, insurance, the presence of an on site manager, adequate lighting, and ownership of the facility. Ask for references and check them out.]]>

Rome airport: a city that uses two names for one airport.

Tuesday, October 3rd, 2006

In Europe, the hub-and-spoke mode of operation has an even longer history than in the US, having grown out of the past regulatory framework and of the prevailing geographic and political conditions, rather than as an autonomous market process. Each nation has had its own flag carrier, with a privileged position in and around its domestic market and frequently a large government ownership share. More often than not, flag carriers have been benefiting from considerable amounts of subsidies or direct financial support from the state.

The airport of Rome capacity constraints and the slot allocation regimes with the practices currently in effect in Europe, constitute major barriers to entry and hence to competition and economic efficiency.

However,the Eternal City in 1961 decided to add to the name Fiumicino (that means " small river channel - because the airport is located at the end of the Tiber River ) the name of Leonardo da Vinci, in memory of the most brilliant genious mind that Italy ever had.

At Leonardo da Vinci, the airport operator, Aeroporti di Roma, is spending a lot of money in expanding and upgrading terminal facilities to meet the needs of growing traffic numbers and shaking off the airport’s rather modest reputation.

There are now three terminals one of which, Terminal C, is linked to a satellite. The handsome new Terminal A is for domestic flights and replaces spartan facilities. Terminal B, a light and airy place, has a dual role handling international and a number of domestic services. Terminal C is located near the major international flights and is connected to satellite C, a mini-terminal in its own right with a full range of shopping, catering and other services.

International passengers will find the satellite a big improvement on the old days when the only way to reach the aircraft steps on many flights meant a bus ride. Despite all the money spent on the satellite, however, the risk has not entirely been removed. Three of the 14 gates are still the prelude to a bus journey to a parked aircraft. How did that happen?

The satellite is connected to Terminal C by the "Skybridge" automated rail shuttle, the first of its kind in Italy, and there are plans to extend the service to the rest of the airport. That will be welcome news for those who have tramped the endless walkways - the moving walkways are only a partial help - which link the terminals.

New shopping and catering areas have been introduced in Terminal B as the plans to sharpen up the image and quality of Rome’s major airport gathers pace.
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A Hiking Guide to Easter Island by David Stanley

Thursday, September 28th, 2006

The legends of Easter Island have been recounted many times. What’s less known is that the island’s assorted wonders are easily accessible on foot from the comfort of the only settlement, Hanga Roa. Before setting out see the sights, however, visit the excellent archaeological museum next to Ahu Tahai on the north side of town (the term “ahu” refers to an ancient stone platform). Aside from the exhibits, the museum has maps which can help you plan your trip. An online map is available at http://www.mapsouthpacific.com/easter_island/

The first morning after arrival, I suggest you climb Easter Island’s most spectacular volcano, Rano Kau, where Orongo, a major archaeological site, sits on the crater’s rim. But rather than marching straight up the main road to the crater, look for the unmarked shortcut trail off a driveway to the right just past the forestry station south of town. It takes under two hours to cover the six km from Hanga Roa to Orongo, but bring along a picnic lunch and make a day of it. (If climbing a 316-meter hill sounds daunting, you can take a taxi to the summit for around US$6 and easily walk back later in the day.) Once on top, you’ll find hiking down into the colourful crater presents no difficulty. It may also look easy to go right around the crater rim, but only do so if you’re a very experienced hiker and have a companion along as shear 250-meter cliffs drop into the sea from the ridge.

Another day, rise early and take a taxi to lovely Anakena Beach at the end of the paved road on the north side of the island (you should pay under US$10 for the 20 km). A few of the famous Easter Island statues have been restored at Anakena and you could go for a swim, although the main reason you’ve come is the chance to trek back to Hanga Roa around the road-free northwest corner of the island. You’ll pass numerous abandoned statues lying facedown where they fell, and the only living creatures you’re unlikely to encounter are the small brown hawks which will watch you intently from perches on nearby rocks. If you keep moving, you’ll arrive back in town in five or six hours (but take adequate food, water, and sunscreen). This is probably the finest coastal walk in the South Pacific.

Almost as good is the hike along the south coast, although you’re bound to run into other tourists here as a paved highway follows the shore. Begin early and catch a taxi to Rano Raraku, the stone quarry where all of the island’s statues were born. This is easily the island’s most spectacular sight with 397 statues in various stages of completion lying scattered around the crater. And each day large tour groups come to Rano Raraku to sightsee and have lunch. However, if you arrive before 9 am, you’ll have the site to yourself for a few hours. When you see the first tour buses headed your way, hike down to Ahu Tongariki on the coast, where 15 massive statues were reerected in 1994. From here, just start walking back toward Hanga Roa (20 km) along the south coast. You’ll pass many fallen statues and enjoy some superb scenery. Whenever you get tired, simply go up onto the highway and stick out your thumb and you’ll be back in town in a jiffy.

An outstanding 13-km walk begins at the museum and follows the west coast five km north to Ahu Tepeu. As elsewhere, keep your eyes pealed for banana trees growing out of the barren rocks as these often indicate caves you can explore. Inland from Ahu Tepeu is one of the island’s most photographed sites, Ahu Akivi, with seven statues restored in 1960. From here an interior farm road runs straight back to town (study the maps at the museum carefully, as you’ll go far out of your way if you choose the wrong road here).

A shorter hike takes you up Puna Pau, a smaller crater which provided stone for the red topknots that originally crowned the island’s statues. There’s a great view of Hanga Roa from the three crosses on an adjacent hill and you can easily do it all in half a day. A different walk takes you right around the 3,353-meter airport runway, which crosses the island just south of town. Near the east end of the runway is Ahu Vinapu with perfectly fitted monolithic stonework bearing an uncanny resemblance to similar constructions in Peru.

Easter Island’s moderate climate and scant vegetation make for easy cross country hiking, and you won’t find yourself blocked by fences and private property signs very often. You could also tour the island by mountain bike, available from several locations at US$10 a day. If you surf or scuba dive, there are many opportunities here. A minimum of five days are needed to see the main sights of Easter Island, and two weeks would be far better. The variety of things to see and do will surprise you, and you’ll be blessed with some unforgettable memories.]]>

A Stroll Through Savannah Georgia

Wednesday, September 20th, 2006

The history of Savannah and the grand homes make the city great, along with a very interesting mix of people. The city is unevenly divided between the well off and the extremely poor, more poor than rich with few in between. Even though the homes are well over a hundred years old much of the culture seems to have frozen in the 1950s. Savannah is not a place to rush through and you must spend time just sitting on a bench or strolling the old streets to truly feel the warmth of the town.

River Street is clearly the largest draw for tourist, but I found it to be only slightly interesting when compared to the rest of the town. River Street consist of tacky t-shirt shops full of items that most will regret buying once they get home, and a few bars marketing to the middle aged, overworked tourist trying desperately to remember how to relax .However, without all of this the area might have been torn down and turned into another expensive hotel on the water, so the stores and bars do serve their purpose. If you go to River Street take time to get away from the shops and walk along the edge of the river. When the sun sets and the breeze blows off of the water the retail stores simply disappear.

The real beauty of Savannah is in the landscape and the architecture of the homes and buildings. By the early and mid part of the 20th Century most of the historic homes had turned into low income rentals and were destined for destruction to make room for parking lots and gas stations. Fortunately a few of Savannah’s citizens saved the old houses and restored them. One of those saviors of Savannah was Jim Williams of the “Midnight in the Garden of Good & Evil” fame. Jim Williams bought, restored, and lived in the Mercer House on Bull Street. This house was originally owned by the great grandfather of the famous song writer Johnny Mercer. Jim Williams died in 1990 from a major coronary and his sister recently opened the Italianate mansion to visitors. My wife and I were able to tour the home that we remembered from the movie. They filmed the scenes for the movie in the same house where the true events took place and almost every detail of the house is the same as Jim Williams left it when he died suddenly. The tour of the house was interesting and focused almost exclusively on the antiques in the house and the history of structure. I found it almost amusing that they never mentioned the deadly shooting in the house or the other scandles, but there was so much for to Mr. Williams than the tragedies of his life.

One weekend was not nearly enough time to enjoy all the sites of Savannah. I think to appreciate this warm city you need to spend at least a week strolling the streets and park squares, visiting the the historic homes, and enjoying the art in the museums. There is more to this city than you first realize. It is a place that you need to spend time with and allow all of its charm to find its way into your soul.]]>

A Survival Guide for Traveling with Kids

Tuesday, September 19th, 2006

It’s phrases like these that drive fear into a parent’s heart, and make you wonder why you ever thought taking a family vacation was going to be “fun!”Florida Forum

So what is a parent to do? Traveling with kids doesn’t have to be a bad experience. Instead of deciding to leave the kids home for the next “family” vacation, relax! You can make traveling with the kids an enjoyable and stress-free experience by following these simple tips:

1. When possible, travel at night and let the kids sleep. But be cautious, because it’s easy to get tired. If you find yourself getting sleepy, roll down the windows, play music, or better yet, find a safe place to pull over and take a 20 minute nap.

2. Plan your trip during the day with stops about every 90 minutes. By planning ahead, and using travel planning software, online trip planning sites or travel associations, you can find — and stop at — kid-friendly places such as parks with playgrounds, historic monuments or view areas where everyone can get out and walk around for a few minutes. Giving the kids even a 15 minute break will give them a chance to “get the wiggles out” and work off some energy.

3. Bring along some sing-along music. Although your kids may groan at first when you start singing, they’ll soon join in, especially if the songs are either well-known, absurd or “gross.” Think of your own childhood favorites, or camp songs. Singing can really help to pass the time, and creates happy memories later on. To help cut costs, you can even record your own CDs? If the kids don’t know the words, create sing-along books for everyone by typing them in your Word processing program and printing them out.

4. Create a goodie-bag. Good ideas are travel toys and games, bubbles, inexpensive art books and pencils, even the latest in collectible cards or action figures. (To save money, look for seasonal sales or buy something every payday.) To cut down on arguments about sharing, you can set a time limit for playing with each game, before everyone has to switch. Individual presents can be wrapped or not, and given out at whatever schedule fits your needs and your kids’ boredom levels. You can even choose particular games for particular stops, such as bubbles, Frisbees or small balls, which will encourage running off energy.

5. Bring along individual “quiet time” activities. These could include an art box (keep the supplies inside an inexpensive plastic shoe box), postcards or writing paper, or even a journal given to each child at the beginning of the trip. Encourage them to write letters, or record their thoughts and feelings. You can also bring along hand-held games, or inexpensive CD players and earphones, so that everyone can listen to the music or books of their choice. Depending on the space you’ve got and the length of time you’ll be gone, each child could have their own box or backpack, to keep their things organized and accessible.]]>

Adventure Travel Vacation

Wednesday, September 13th, 2006

It is very important that you understand the basics of adventure travel before you actually engage in adventure travel vacation. Why? Due to the fact that adventure travel sometimes involves risk taking, you should be familiar with how to plan for adventure travel, for your own safety as well as the safety of others.

The following five adventure travel vacation tips will help you to enjoy your trip!

1. You must consider how much physical activity you would like to engage in. Do you want to simply travel the world and see exotic places which entails a relatively low physical impact or do you want to hike climb? The word adventure means something different to everyone, so if you are not truly physically inclined or you would not enjoy yourself engaging in activities that demand a lot of physical exertion, you will want to bear such a fact in mind when you are planning your adventure travel vacation.

2. You will need to decide how much you want to really do while you adventure travel. For instance, do you just want to engage in site seeing one area of one country or do you want to see several countries in several days? Conversely, do you want to simply enjoy the culture of the places you visit or do you want an adventure travel plan that is jam packed with an assortment of activities? Considering what kind of activities you like is imperative to establishing an adventure travel plan that will ensure that you enjoy yourself!

3. Learn to comparatively shop around for great prices on adventure tour plans. You should spend a few days or weeks researching different adventure tour companies and their operators. You’ll find the best prices and the best tour operators for you. Remember that price does not necessarily equate to quality and just because you get a discount on an adventure travel vacation tour doesn’t mean a lot if the quality of the tour operator is bad.

4. Work within your budget! Don’t set your mind on a tour that you know you cannot possibly afford. Rather, determine your budget before hand and stick too it! Besides, you can always plan a more expensive adventure tour when you have the funds to do so.

5. Get a written copy of the tour operator’s terms and conditions. In fact, you can probably have each company mail you a copy of their policy. After receiving a copy of each company’s policy, review the policies carefully. In doing so, you will be able to find the best deal for you and you will also familiarize yourself with all of the policies. Be sure that you give a close review to the refund policies the company has in the event that you are unhappy with your final selection.

If considering this 5 adventure travel vacation tips will help you to have an amazing experience on your next adventure trip.]]>

Advising on the best help regarding cross country.

Tuesday, September 12th, 2006

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A great tip to pursue when you’re presented with help or advice concerning a cross country web page is to find out who owns the site. Doing this could reveal the owners cross country integrity The quickest way to work out who owns the cross country website is to look on the ‘about’ page or ‘contact’ page.

All decent sites providing information on cross country, will almost certainly provide an ‘about’ or ‘contact’ page that will list the owner’s details. The details should tell you a number of key indications about the site owner’s capability. You can then decide for yourself about the vendor’s qualifications and experience to offer recommendations concerning cross country.]]>




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