Discount Orlando Vacation

 Gifts  Comments Off on Discount Orlando Vacation
Jan 032022
 

Reading other articles on this site, I realized how important it is for most of us to plan a discount vacation that does not “ding” us too much financially. Here is my contribution based on my own experience planning a discount vacation.

So you are thinking of planning a discount Orlando vacation? You must be if you have reached this amazing site and are actually reading this article here. Discount vacation in Orlando is a goal shared by most of us who want a vacation- with kids. I know what most people have to go through when planning a vacation. You are talking it out with your sweetheart and family. A great idea comes to mind. “Let’s go to Orlando”! Everyone gets excited and there are smiles all around till your wife says, “Honey but how much is it going to cost us”? That’s the blow. Or is it?

When I heard “Honey, much will it cost” line, I planted myself firmly in front of my computer determined not to let down my wife and kids. Not to mention the fact that even at 42 years of age I am an Orlando fan. In this article I will give you a summary of my research so you can plan a discount Orlando vacation.

www.discountorlandovacation.com was the first choice to start out with. If you are looking for dramatically reduced rates, unbelievable Disney deals and discount Orlando vacation packages then this site shall serve you well. Designed for budget conscious tourists, the site offers discount Disney tickets to Disney theme parks and Orlando dinner shows.

For those of you who actually visited the above site (thank you for taking the time to appreciate my relentless research) and thought “Wow” wait till you read about the next apple I am going to drop in you candy jar. This site is perfectly perfect for an ideal discount Orlando vacation. www.leisuretime.com truly presents hottest travel deals. Amazingly priced Orlando discount packages start at $99 per person and kids stay free! This is the vacation that I booked for my family and for just under $1100 all of us had a great 5 night vacation in the best that Orlando had to offer. There are many sites out there offering discount Orlando vacations but Leisuretime.com was “the one” for my family.

Another site a friend of mine referred me to for booking a great discount Orlando vacation is www.floridavacationstore.com. Working in the same office in the same salary range, we both hunted for discount vacations and pooled our resources later. Floridavacationstore.com is indeed a great place to buy an awesome deal. A simple visit to the site will splash you with at least 7 different discount Orlando vacation deals leaving it up to you to make up your mind.

It is a difficult task to book a discount vacation. Nevertheless if you have the right help available, you can master this art and be the hero in your family. I hope I helped.

Alicia Whiter
Get all information about travel and
vacation resources.

How to Lose Credit Card Debt – Legally

 Flowers  Comments Off on How to Lose Credit Card Debt – Legally
Jan 022022
 

There are millions of people who are ‘up to their eyes’ in debt. For the
majority of these people it’s difficult to see a way out of the debt trap.
However, there are some practical things that can be done to alleviate the
situation. Here are some tried and tested methods:

Using credit cards to rack up a huge debt is doubtless the easiest thing
anybody can do. It may be hard to comprehend that the majority of us feel easier
handling credit cards than handling money.

Huge credit card debt has the effect of heavy and never-ending losses until
the debt is got rid of, because interest charges on credit card debt are so much
much higher than regular borrowing. One ends up losing more money paying
interest than has been spent, not to mention the inevitable effect on credit
rating when one neglects to meet up with the payments. These situations can
actually be used to benefit you if you use a little determination and follow
these suggestions:

Bearing in mind interest charges, transfer your balances to the lowest rate
card where you could get a zero percent or much lower rate for a certain amount
of time. During this period you can deal with all your other high interest rate
debts. You should keep track of other deals with helpful balance transfers and
get ready to start the process again when the original offer is nearing its end.
In the event that one does not present itself, pay off as much as you can to
reduce the debt. Because the finance industry is so competitive, you will always
find zero percent offers available out there in the marketplace. Never forget
though, the debt has not gone away.

Another extremely useful tool that you should find effective in reducing your
burden of credit is a debt consolidation loan. These loans carry much lower
rates of interest when viewed against credit cards. It’s possible to get a debt
consolidation loan at a lower rate and do away with all the debt. Just be
certain that your repayments are always punctual so that your credit rating does
not get even worse than it already is.

Another way of reducing credit card debt would be to employ some self
discipline. Clearly this is easier to say than to achieve, but the only workable
way out of your predicament is to destroy your credit cards, so that there is no
temptation to spend unless you have the extra money to spare.

You can save yourself much trouble (and extra cost) when it comes to late
payments so try to set up some kind of automatic payment, otherwise you may be
tempted to put your credit card bill on a pile and get around to it when you
have ‘more time’. The big drawback with this method, before you know it a few
weeks will have gone by and you’ve been stuck with a late payment. If you leave
it until the deadline to send payment, you might find that it won’t get there by
the deadline. Never forget though it’s not a deadline for sending the money,
it’s a deadline for the credit card company to receive it.

Paying late is a big mistake for a few reasons. You will definitely be
charged a late payment fee and your late payment will go on your credit report
for everyone to see. You may also find that you lose the beneficial rate you had
and your debt will be automatically put onto the worst rate that the company
offers.

If using the mail you should ensure you post your payment at least a week
before the due date. If you’ve left it to the last minute, ring them up and try
to make payment over the telephone.

Ever heard of the old saying: closing the stable door after the horse has
bolted!? You may think that this article is that idiom personified. However,
when it comes to credit card debt, I do believe that the saying should be
modified to: closing the stable door before any more horses bolt!

Destin Florida Vacations

 Flowers  Comments Off on Destin Florida Vacations
Jan 012022
 

Florida, the sunshine state, makes an exciting vacation destination, but deciding where to go can be a challenge with so many cities to choose from. With its white sand beaches, emerald green water and beautiful sunsets, its no wonder Destin is becoming a popular vacation destination. Besides enjoying the sand and surf, don’t forget to pack your snorkeling gear, golf clubs and a little extra cash for an exciting dolphin and sunset cruise. Come experience all the attractions the welcoming city of Destin has to offer.

With the Gulf Coast comes an abundance of water adventures and sports. Take the family swimming, boogie boarding, snorkeling, parasailing or rent a wave runner. Create your own adventure by renting a kayak and paddle out into the open waters to explore the unbeaten path. For complete relaxation, grab your towel and soak up the warm sunshine while listening to the ocean waves gently roll onshore. Wander along miles of white sand beaches, occasionally stopping to gather sea shells and to take a dip into the cool, refreshing ocean water.

If the white sandy beaches and warm sunshine haven’t sparked quite enough interest, a variety of enjoyable boat tours are sure to catch your eye. Take a deep sea adventure and hop onboard the 76 foot glass bottom boat of Southern Star Dolphin & Sunset Cruises. Spend the next two hours gliding over the ocean waves, listening to calming music and exploring a variety of sea life.

Take the kids on a more active adventure and head down to the docks to try deep sea fishing, trolling and billfishing. With over 20 different species of fish from mackerel, red snapper, amberjack and blue and white marlin, your experienced boat captain is sure to help you successfully bring in the big catch of the day.

Every golf enthusiast will be eager to hear the golf courses in Destin are open year round. Home to over ten golf courses with four exclusively designed by renown golf architect Tom Jackson, you are bound to find a course for every skill level. Grab your clubs and take part in a challenging 18 hole round of golf and enjoy the views of Choctawhatchee Bay and the Gulf of Mexico at Baytowne Golf Club.

Located east of Destin on US 98, Henderson Beach State Park is home to 6,000 miles of protected shoreline. Grab your towels and head across the boardwalks which will lead you right to the beach, an excellent spot for dolphin watching. Take a hike along the ¾ mile nature walk and discover countless wildlife, costal dune ecosystem and a variety of plant life including sand pines, scrub oaks, and dune rosemary. At the end of your visit, leave the sand at the beach by rinsing off in the convenient outdoor showers.

While the focus of your vacation is around the beach, make sure to enjoy the Silver Sands Factory outlet, one of the largest. Shopping fanatics will love the great deals they find at the 120 plus stores.

After a fun day in the sun, you’ll be glad to know Destin is home to the regions best dining. From Seafood, American, Italian, Cajun and French you’re bound to find a restaurant with the cuisine you’ve been craving. For the family or group dinner, try Fudpuckers for some delicious seafood. After desert head downstairs and feed the live gators and get your picture taken! Whether it’s a romantic dinner for two, an energetic group gathering or the desire for a casual low key evening, there are restaurants to accommodate.

Before leaving town to fulfill the vacation dreams you are longing for, you will need to look into accommodations that will allow you to fully enjoy your vacation. Try staying in a Destin Vacation Rental. Enjoy the benefits of a home or condo in close proximity to the beach, golf courses, shopping, restaurants and more.

Whether its friends, family, couples or a large group, you’re bound to find the perfect Destin Vacation Rental on HomeAway.com. Begin your search today for a vacation condo, villa, or home rental that makes your vacation memorable.

A Changing of the Guard in Automotive Repair

 Fragrance  Comments Off on A Changing of the Guard in Automotive Repair
Dec 312021
 

As someone who has always purchased used, low mileage cars in an attempt to offset the expense of driving a new car off the dealer lot, I’ve had my share of repair issues over the years. Luckily, I’ve also had the same reliable mechanic for the better part of two decades. No matter what car I owned or in some cases wished I didn’t own, he has been able to find the source of the problem, fix it, and get me on my way. As the owner of the shop, he is the one who deals with the customers, prepares estimates and makes the phone calls to let people know when their vehicles are ready. What I recently found out, though, surprised me a bit. The man I thought had been fixing my cars hasn’t turned a wrench in years.

The last time I was in for a repair, we got to talking about the late model auto I brought in. I bought it with less than 20,000 miles on the odometer and didn’t really expect to have to have any work done other than routine maintenance. When I asked a detailed question about the reliability of the car, in his opinion, he called out one of his employees and told me that he no longer works in the garage. This young man provided me with the answer I was looking for, and explained why the problem I had wasn’t likely to happen again through my ownership of the vehicle. While that was relieving, I was still in a bit of shock. I always pictured the same person working on my cars, or at the very least supervising. We joked about it and then the owner told me why he only concerns himself with the administrative aspects of the business.

According to him, he would rather be under the lift doing what he enjoys, but the complexity of today’s automobiles precludes him from doing so. It seems modern cars and trucks demand higher standards of technical ability, service procedures and diagnostic equipment than he was able to provide or understand. As technical advancements continued to show up in cars that entered the shop, he began to see a trend. The graduates from automotive technical schools that he hired were able to comprehend the complicated systems of late model cars and perform diagnostic and repair services better and faster than he could. Of course, they had gone through extensive training for just that purpose, where he had learned auto repair from his father and through years of trial and error.

I asked him if it upset him that he had to rely more on others than in previous years. He told me that it doesn’t bother him so much, then pointed out the window at a beautiful 1969 Corvette that pulled in to get gas. “When a car like that comes in for repairs, I’m the one that gets to work on it.”

“One classic deserves another” I said, then smiled and went on my way.

Balancing Chi with Feng Shui

 Uncategorized  Comments Off on Balancing Chi with Feng Shui
Dec 302021
 

Feng shui is an ancient art, science, and philosophy that has been practiced in china for thousands of years. It works with the chi, meaning life force or energy, of heaven, humans, and earth, and is often referred to as acupuncture in space. Acupuncture deals with chi inside our body, if it moves too quickly or is stagnant, it will eventually cause a physical symptom. Similarly if the chi in our environment is not balanced, then the natural flow of our lives will be disrupted.

There are several systems employed by Feng Shui practitioners to analyze the heaven chi of an environment. Many of these involve complex calculations using a Chinese Lopan for compass directions with important dates factored in such as when a building was built and when its occupants were born. Other unseen influences include electromagnetic fields (manmade) and geopathic stress (naturally occurring). A professional is required to analyze the heaven chi, as its influences are unseen. Earth chi is much more easily observed in our surroundings since it includes visible aspects such as land formations, roads, walls, doorways, furniture, and room design.

Clutter is a common cause of stagnant chi in a home or workplace and causes a variety of problems ranging from feeling stuck, tired, or depressed, to creating obstacles for wealth, romance, and opportunity in your life. Clutter exists in many forms including anything that is broken, unused, unloved, unfinished, or too many objects in a space. Clearing clutter will enable chi to flow more easily and will create space for new things to come into your life.

As awareness of Feng Shui grows in the western world the use of crystals and mirrors as “cures” has gained in popularity. Used incorrectly these items may double or multiply a negative influence, such as clutter, in your environment. In many cases it is not what you add, but what you remove that will bring about the most beneficial results.

The springtime is an ideal time to assess your surroundings and eliminate clutter. The season of spring is infused with rising chi. This can be observed in the heavens, which provide longer hours of daylight and on the earth where new plant growth emerges. The energy of spring is that of movement and action. It is an excellent time to initiate the changes in your environment that will enable wonderful opportunities to manifest in your life.

(ND) Compare Online Stock Trading Brokerage Firms

 Gifts  Comments Off on (ND) Compare Online Stock Trading Brokerage Firms
Dec 292021
 

Comparison Shopping

You won’t have any problems finding an online stock broker. The worldwide web
is crawling with them! The hardest thing is to figure out which brokerage firm
is right for you. This is as important as the stocks you will be investing
in… so you’ll need to choose wisely.

You’ll first need to compare online stock trading brokerage firms.
Compare their fees and their services, and then compare that information to what
your needs are.

If you’re a new entrant in the field of online stock trading, you’ll be
better off with a firm that provides a full service offering; one that not only
caters to the basic educational and trading needs of a first-time trader, but
one that also allows you to buy partial shares of stocks (by way of automatic
payment on a regular basis) and accumulate your investments over time. If you’re
lucky enough to find such a firm, you’ll relish the opportunity to also
complement your investing strategies by making real-time trades to buy and sell
stocks immediately during market hours.

Sharebuilder.com offers just such a service…and is my personal online stock
trading brokerage firm of choice. When you actually compare online stock trading
brokerage firms you’ll discover that ‘unlike traditional online investment
services’, Sharebuilder gives investors a unique and powerful way to invest in
the stock market. You’ll find (with Sharebuilder) that you’ll have a simple,
flexible and affordable way to invest for the long term. You’ll find a ton of
great articles and tutorials on all aspects of online stock trading on their
site. Plus, you’ll even be able to compare Sharebuilder’s service offering with
four of the other leading online brokerage firms as they have created a
comparative analysis table for that very purpose.

Ok, with such a rosy picture painted of Sharebuilder.com, should you even
bother to look elsewhere?

Of course! That’s what due diligence is all about. Research! Research!
Research!

Don’t get me wrong. Sharebuilder is a great online stock trading brokerage
firm to deal with. But I’m biased, because I’m a rookie online stock trader and
I need all the help I can get…and these guys deliver!

On the other hand, if you’re a long-time trader who invests big money per
trade, you’ll no doubt be looking for the most cost-effective brokerage firm
online; possibly one that charges less than $10 per round turn.

When I first started trading stocks online with Sharebuilder, I decided I
would invest the princely sum of $100… because I could! You see…unlike most
any other online stock trading brokerage firm I had ever encountered, I found
that Sharebuilder had no minimum deposit requirement…and since that was
a big priority on my list, they got my vote.

Interestingly, the four other online brokerage firms featured in
Sharebuilder’s comparison table all have what some may consider pretty hefty
minimum deposit policies. TD Ameritrade’s minimum is listed at $2000,
while Schwab’s is $2500. NB: After I verified this information on the
respective web sites, I chose Sharebuilder for that one reason.

Another important criterion to consider when you compare online stock trading
brokerage firms is (as I stated earlier) the round turn (commission) charges of
the trades or online market orders. Sharebuilder charges from $11.95 to
$15.95 depending on which plan you choose. Since I chose the freebie plan, my
market trades cost me $15.95 each… but I can live with that because their
service is so good.

TD Ameritrade however, won the coin toss at $9.99. Believe me…this is an
excellent rate for any online stock trader who deals in large volumes.

As for me?

Well, all I had to start with was a mere $100… and given that TD
Ameritrade’s minimum balance requirement is $2,000…umm…well…you get the
picture?

I might add though that all five brokerage firms involved in the comparison
offered online statements, confirmations of trades, along with reinvestments of
dividends. That in itself is quite impressive compared to many of the lesser
brokerage firms online.

Annual maintenance and low balance fees was also an interesting
comparison. Three of the brokerage firms, including Sharebuilder did not
charge any fees for these… while E+trade and Schwab charged $160 and $120 a
year respectively!

The important thing and the only important thing to consider when you compare
online stock trading brokerage firms is which one can meet your needs? All of
the companies mentioned in this article are upstanding companies with variable
policies. Choose the one that’s best for you…and you’ll be on your
way.

Ease Your Cash Flow: Invoice Finance

 Gifts  Comments Off on Ease Your Cash Flow: Invoice Finance
Dec 282021
 

There are several benefits that can be gained when a company decides to invoice finance. A business that deals in the sale of products or services to other businesses will receive the advantage of improved cash flow by using an invoice finance service.


Basically, to invoice finance means to sell or assign your outstanding invoices to an invoice finance company. This company in most cases will give you instant access to a percentage of the total amount of the unpaid invoices assigned to them, commonly from 70-90% of the value of approved invoices. In many cases they may also take responsibility for invoicing, chasing and collecting owed invoices as well as accept a percentage of the loss on unpaid invoices.


Having access to these funds greatly increase the cash flow within your company. Cash on hand for increased production, savings by way of discounts on company expenses, decrease or even elimination of business expenses, and improved opportunities for business loans.


By using an invoice finance service there is no waiting 30-45 days for people who pay on time, and even longer for late payments on invoices. That cash on hand can be more readily available for production, creating an immediate availability for more sales.


Another area the right business can gain greater cash flow from using invoice finance is in taking advantage of discounted payments of business expenses. Many companies offer discounts of as much as 10% if their invoices are paid on receipt or within a certain period of time.


With invoice finance you have cash on hand to pay your bills sooner, rather than having to wait until your customer pays you for your product or service. Increased cash flow also increases your companies purchase power, making it possible to negotiate better terms or discounts from suppliers. The savings in these two areas alone will in most cases outweigh the fee from the invoice finance service.


There are other business expenses that can be cut back or even eliminated when using invoice finance, for example: administration costs, stationery, and office equipment. When adding the expense of employing an accounting clerk, not only their salary but also company benefits, it’s easy to see some great advantages to using an invoice finance service.


Invoice finance can be particularly helpful to a business in the start-up phase. Most lending institutions have strict rules on lending to ‘new businesses’. A bank or lender will only consider a small portion of outstanding (unpaid) invoices owed, often only 40% of the total amount of outstanding invoices, when administering a business loan. By invoice financing your ledger shows cash on hand in place of a large amount tied up in outstanding invoices.


There are some disadvantages to using an invoice finance service. The goods or service your company supplies can have a huge effect on whether your company should use invoice finance. Businesses providing recurring services or product orders are good candidates, while invoices for one-time orders might find it difficult to obtain this type of funding.


These companies prefer to know the debtor and their track record in paying debts before accepting invoices owed by that debtor. Another disadvantage would be if the mark-up sale price of the goods or service provided were less than the amount of the invoice finance fee.


For the right business combining the improved cash flow with a reasonable profit margin along with increased sales orders the business is in a position to expand and the cost to invoice finance can easily be absorbed in increased profitability.

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