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Submitted by: Jean Andrews

On January 1, 2009, major changes will take effect to alter the way travel insurance is sold. The changes will apply to companies selling it as part of a holiday package, such as travel agents, tour operators, coach companies and airlines. It will also affect outlets such as retail shops, chemists, supermarkets and the Post Office. Many of these companies are already in compliance with government regulations to sell other products. However, a double standard has existed regarding the way they have sold insurance because ‘stand-alone’ companies (which

only

sell travel insurance) have been required to comply with FSA regulations since 2005.

The UK’s financial watchdog, the Financial Services Authority (FSA), will take over regulation of the sale of travel insurance in the United Kingdom as of January 2009. From January 1, it will only be available for purchase through FSA-regulated agents. Small travel agencies and tour operators may not be able to justify the expense or time involved in the complicated process of complying with FSA regulations. These companies may have no alternative but to refer their clients to FSA-regulated brokers and agents.

The news has not been welcomed by many package holiday operators, some of whom believe their agents are suitably trained and qualified to sell the insurance. However, evidence suggests that not all companies have done such a good job. The government has been under pressure to enact this new law because of past insurance-related problems. Many consumers were exposed to potential harm while travelling because they were not properly advised of the limitations of the policies they were purchasing.

One of the most significant areas of concern has been regarding exclusions for pre-existing medical conditions. If a policy is sold without the disclosure of pre-existing medical conditions the result could be the denial of all related claims in the event of a problem. Another area that has caused concern has been failure to inform customers that they may need to obtain additional cover for hazardous sports activities. Some policies only cover activities organised and arranged by the tour operator or representative. When insurance is sold as part of a holiday package, customers may, understandably, focus on the excitement and anticipation of the holiday and not pay due attention to the terms and conditions of the insurance policy. Unfortunately, many do not find out until it is too late.

FSA regulation will translate to a much more efficient service for customers. The seller will be bound by strict FSA principles and guidelines which require that customers must be treated fairly and have access to a structured complaints handling process. They will also have the benefit of the services of the Financial Ombudsman should any disputes arise which cannot be settled directly with the company.

Those travelling to European Union member countries are advised to obtain the European Health Insurance Card (EHIC) before departure. However, the EHIC is not a substitute for taking out a separate comprehensive travel insurance policy. The EHIC is of use in medical emergencies and accidents where free or low cost treatment may be available in participating countries. However, it does not provide cover for the myriad of problems that can arise during travel, such as lost luggage, theft of valuables, cancellation and curtailment of the trip, and emergency repatriation. Many people are not aware that neither a private policy nor the EHIC will provide cover for those who travel abroad with the specific intention of obtaining medical treatment.

Once FSA regulation is in place to oversee the way insurance is sold, customers are sure to be better informed before they set off. Currently, it is believed that approximately ten to fifteen percent of travellers depart on trips without taking out insurance. This translates into millions of uninsured and vulnerable people visiting foreign countries each year. It is hoped that consumer confidence in the insurance industry and general awareness of the importance of travel insurance will receive a boost once it has been stamped by the impressive footprint of the FSA.

About the Author: Jean Andrews is a freelance writer living in the UK. She regularly contributes articles for TIA Ltd who offer

travel insurance

at great prices online.

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Durango, Mexico

by

Ryan Dunn

Watching Mexican movies can be your greatest relaxation after a day of activities in Mexico. This is the greatest way to start your day all over again. You can almost see it at the lobbies of hotels. Usually, movies shown are about Mexican cowboys with their horses in a desert setting. But you know what? Most of these pictures are taken in the vast desert of Durango. There two things most associated with the state of Durango of Mexico are the symbol of the scorpion and, of course, movies because the area has been usually the backdrop of most Mexican films. Mexicans generally refer to the people of Durango as a scorpion from Durango. Durango is one of the states of Mexico. The Durango City is the state’s capital. Its major cities, aside from the capital, are Canatlan, Guadalupe Victoria, Vicente Guerrero, and Gomez Palacio. It is bordered by the states of Chihuahua, Coahuila, Zacatecas, Nayarit and Sinaloa. Tourists can visit various film locations and may find themselves in an old-west town worthy of John Wayne. Movies are usually set in the area where it is partly desert that include Chupaderos, Villas del Oeste, Canon de los Delgado, Rancho Marley, Rancho la Joya and Los Alamos.

The State both has a vast forest region and desert basins but most of the state is heavily mountainous The Sierra Madre Occidental occupies the western and central part of the state and desert basins in the Laguna District near the Nazas River. Because of its location, mostly desert and quite far from the sea, main resources are timber industry, mining, smelting, construction, and the production of goat milk and cereals. Durango also excels in the production of corn, beans, alfalfa and fodder oats. The major occupations in Durango are farming, lumbering and ranching.

The richness of its mines and on the plentiful authentic resources was the basis of the architectonical growth of the area. Durango shows its fancy cultural heritage with its architectural structures of the past and museums. The greatest architectural buildings among them that you will find is the house of General Guadalupe Victoria, the old Ferry Building and the Navacoyan Hacienda. Religious structures also share the same historic attraction to the area. Durango Cathedral, the Temple of Purisima Concepcion, the Parish of San Antonio de Papua, San Agustn Temple, Santa Ana Parish and the Sanctuary of Guadalupe are religious centers for the state. The city monuments of Mexico are also one of the principal forms of how fancy their cukture is . Durango has an heap of monuments honoring people, constructions, historical dates and institutions. The Guillermo Ceniceros Art Museum, the Childrens Museum, the Revolution Museum, and the Durango Regional Museum, among others, are just few of the museums of the area. There are alos City Plazaas that share common importance. City plazas became a classic factor of Mexico after the conquest. Many of these exist in Durango like the Plaza de Armas and the Plaza IV Centenario. Other destinations are the suspended bridge of Ojuela in the municipality of Mapimi, Analco Temple, the Government Palace, the House of Count Suchil, the Sanctuary of Guadalupe, the Los Angeles Temple, Alamedas Drive, the Hidalgo and Ortiz de Zarate Gardens, Guardiana Park, Victoria Theater, the Municipal Palace, Plaza de Armas, the old convents, and the central building and cathedral at Juarez University.

There is a lot of reason why one should visit the area. When it comes to food, the most notorious dishes in the kitchens of Durango are caldillo, asadero and menonita cheese, entomatadas, enchiladas, chorizo, and for dessert, pinole and cajeta. Another is the Fiesta. There are different festivals including the Durango Fair, largest festival in the state. Everyone is invited to the state capital to enjoy a wide array of culture, music, art, sports and cooking. Durango really awaits you with its remarkable tourist infrastructure and services that will make your stay exceptional. Mexico Vacations

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Durango, Mexico

By Dennis Jarvis

If you look through a term life brochure, you’re likely to see the term modal factor. It’s one of those life insurance terms that is perplexing and sounds like it comes from a science fiction movie. It’s important to understand the term however since it can affect how much you pay for life insurance. Let’s take a quick look at modal factors.

Depending on the life insurance company, you typically have various options on how you can pay your life insurance premium and we’re not just talking about auto-deduction, credit card, or standard billing. You also have options on how often during a year you will pay your premium. When you run your term life insurance quote, the rates normally reflected there assume you are paying your premium on an annual basis. You may have options to pay the premium over shorter durations such as monthly, quarterly, bi-annually, etc. This is what dictates the modal factor.

The modal factor is usually a percentage. For example, it may look something like this:

Semi-annual = .51 (8.2% APR)

Quarterly = .26 (10.8% APR) Monthly = .0875 (10.8% APR) Pre-arranged withdrawals only)

This essentially means that you will pay more per year if you pay at a smaller installment than annually. Let’s take an example. Let’s say your annual premium is $1000 (to make it easy). If you choose to pay semi-annually (every 6 months), then we would apply 51% of the $1000 annual charge. In this case, you would pay $510 twice during the year. This means you are paying a total of $1020 for the year for an additional premium of $20. This modal factor is essentially a 2% penalty for paying twice a year instead of annually. The penalty goes up for shorter durations. Taking our same example of $1000 annual premium, if we pay quarterly, then we would pay a 4% penalty (26%+26%+26%+26%). In this case, we are paying an additional $40 on the $1000 premium. The penalty for monthly is steeper. If we multiply the .0875 modal factor by 12, it amounts to a 5% extra premium. That means, we are paying $1050 versus the annual premium of $1000. Of course these shorter durations are not only easier on the pocketbook but can be more convenient when paid with automatic withdrawals or credit card debits. Why do you have to pay more via these modal factors for life insurance?

Keep in mind that life insurance is a pre-paid policy which means you are paying now for the next year (or quarter or 6 month depending on payment schedule). A big part of how a life insurance company functions is to take the premium now and invest part of it to offset future claim payments. The modal factors simply reflect the loss of income from investment that the carrier forgoes by premium not being received. For example, if you pay $1000 up front, the carrier can invest part of this to make an additional 4% conservative. If you pay twice a year, the carrier can only invest $500 for the first 6 months. To offset the 6 months investment income on the second payment, they charge you the modal factor. The monthly payment cycle means that they can only invest 1/12th of the premium amount for the first months and 2/12ths in month 2 etc. This figures into the 5% penalty in our example above.

Ultimately, it’s up to you and your comfort level. If you can financially manage it, you will pay less by paying the annual amount. You need to weigh this savings versus the convenience and budgeting ease of paying smaller amounts more frequently.

About the Author: Dennis Jarvis is a licensed insurance agent concentrating on on finding the best term life quote. Shop, compare, and instantly quote multiple carriers with professional guidance and resources.

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By Nelson Berry

There are rich people, and there are wealthy people. If I were you, I would choose the latter.

The rich people are, well, rich. They are blessed with a lot of money, drive fancy cars, live in stately homes, and travel around the world. They obtain their riches in different ways, but usually they are fast money. They won a lottery, inherited a multi-million-dollar account, or just happened to be born rich.

The wealthy people, on the other hand, have the money and the attitude. They have comparable bank accounts with the rich, but they do not just settle for what they have. They make their money grow into several folds and make their richness more sustainable. They do not choose to go for easy money, as it disappears as fast as it comes.

How to Become Wealthy

You may think, I need to have lots of cash first before I become wealthy. Not really. Have you heard of self-made millionaires? A lot of them started out from nothing. Simply put, even if you are not rich, you can become wealthy.

You can do that by following their common principles:

Live within your means.

The wealthy reward themselves, but they are not extravagant. They are not willing to spend a lot as they are aware that real money does not happen too quickly.

You must be very stable at all times, and for you to achieve that, you do not spend more than what you can afford.

Save.

The wealthy people love to save their money. They want to make sure they have something to use when times get tough. Moreover, they save even before they shell out cash.

You can do the same too. Instead of saving up whatever is left of your income, you reduce your salary to your desired savings. Whatever remains is the money intended for your expenses.

Diversify.

Here is a very interesting tip. The wealthy people are never satisfied with saving. They are not happy with earning small interest in banks. In order to multiply their money several times, they diversify their investments.

They create mutual money, bond money, and stock money. They purchase real estate properties and certificates of deposit. They open up a wide variety of businesses.

They do this because putting all their eggs in one basket is dangerous. What if the bank closes? Then all their earnings are forever gone.

Contrary to popular belief you do not need to have a lot of cash to start investing. In fact, it is recommended you start small and increase your investments as you go along.

Visualize.

They are wealthy because they act like one. They visualize themselves as entrepreneurs, investors, and builders. They see themselves as successful in their pursuits. And because of these visions, they are willing to take calculated risks.

To attract extra money and become wealthy, visualize too. You can use a subliminal message video download to help you out. You imagine yourself leading a team or acting out your plans.

About the Author: Nelson Berry is The Pioneer of

Subliminal Messages

Online. Click

Here Now for 4 Free Subliminal Messages

Video Downloads (valued at $160)!

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Submitted by: Naveen Tch

It is very true that one cannot learn Art or cannot induce in someone the eye for beauty. But obviously, if you have it in you, it can be honed to perfection; however small that is. As a self taught landscape photographer, who has learned everything from the hours of waiting for the perfect light to the mistakes committed, I feel both glad and proud to share the secrets and the insights of landscape photography and Australian landscape photography that contributes to the making of a great photograph. This is for all those who breathe through their lenses like me!

But before telling you the few basic ingredients to perfect landscape photography, let me tell you one secret that holds true even for the universe. It’s called the harmony. The key to every great thing is to strike the harmony right and landscape photography and Australian landscape photography is not an exception. Open your eyes to the harmony all around you!

Rules are:-

To capture the mystical and scintillating beauty of nature, you shall have to wait at her doorsteps, respecting her own tantrums, whims and fancies. After all, something that is so great or so beautiful is not readily available. And for all who thinks, landscape photography and Australian landscape photography is easy, here’s where you’ll find out that it is not. Behind a photograph that is par excellence, there are days of research, hours of thoughts, and weeks of getting to know the topography, angles, crowds etc., endless failures and months of sleepless eyes eager to catch the perfect moment.

To get something great, you need to have perseverance, patience and also a lot of preparation. As a landscape photographer, I can guarantee the fact that a great shot takes a lot of time and a whole lot of mental preparation. So, my first advice to you would be before looking through your lenses, look around the geography.

Scout your chosen area. Note its important features; note the unusual and interesting angles, and its changing crowd levels. Take time to prepare the shot and make sure you are ready with your tripod or mini-tripod, cleaned lenses and the cable release before the best time of the day. Try out different filters and wait for a good foreground. If you have people in your frame, talk it out with them and break the ice to make them feel comfortable.

Remember that what you call as a good shot is the one that focuses your attention on the subject by using a fairly sparse background and a simple and interesting composition to strike a clear harmony. Removing the clutter for your picture requires real skill. Achieve that. Landscape Photography and Australian landscape photography comes out best when you focus on your subject.

You click, requires that subtle judgment of de-clattering your picture. For example, if you are capturing a musician, try zooming in, getting close to your subjects eye level and find a simple backdrop for your subject which will highlight your subject. Look for that vivid balance.

About the Author: For more information please visit here :

geoffbirrell.com

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}

Investing in a Good Document Management Software may help Guarantee Your Certification

by

Timothy ReichertAustralia is considered one of the top destinations for education, particularly post-graduate courses. To maintain the high standards which made Australia an attractive option for students around the world, several nationwide requirements were put into place. Complying to those regulations can be hard, but educational institutions and registered training organizations (RTOs) make an effort to do it to help maintain their competitive advantage. Aquiring a good document management might help your school or RTO comply with the appropriate regulations.The Need for Taking care of ReportsAustralia is really a nation that’s put into practice the idea of leaving documents and other records into electronic format. There are lots of benefits to this, including simplicity of storing and retrieval, probable partnership, and fast exchange from one location to another. They are normally done with a number of providers like those provided by Google. For most of us, these should be sufficient. Without a suitable document management software, though, Australian educational institutions and RTOs might find it hard to abide by the regulations for certification under AQTF, ASQA, CRICOS, and GTO.The stamp of the approved provider is critical if a learning establishment or organization desires to continue to be reasonably competitive. Learners, particularly individuals with promise, most likely choose only from educational institutions and RTOs that have certification.Systems like a document management software help handle the massive amount of electronic records educational institutions and RTOs utilize, particularly those important to concurrence requirements. With a system in position, administrators and faculty alike could be confident very important records are really easy to gain access to and handle and errors could be reduced.The advantages of the SystemOne of the main benefits of a document management system is its ability to automatically track and management the requirements for concurrence. Between the daily challenges of managing a school or RTO and the need to comply with guidelines for certification, administrators could use a helping hand in knowing where exactly their concurrence requirements are. Most importantly, these systems can tell them the status of concurrence. This tells you if your school or RTO has the benefit of time or you have to pick up the pace.The problem with electronic records is most people have no idea if the version they are reading or using is the latest. If changes are significant, though, this could create problems if one requirement for concurrence is on a different track. An highly effective document management system should allow you and your people to know if the documents and records you are using are up-to-date, reducing the chance for errors.Finally, good compliance document management software provides you a lot of options to safeguard your documents and records. You are able to track their activity and boost liability. Using conversion to forms like PDF allows you to put security stamps within the file. Electronic signatures and tracking reveals important details about the file. Most importantly, it is possible to handle admittance on the records and enforce concurrence. This way, you do not have to worry about the security of the concurrence files.

Timothy Reichert is a professional on

document management system

and advises educational institutions and RTOs on

document management software

.

Article Source:

eArticlesOnline.com
}

By Stefan Hyross

The homeowner who receives multiple offers may use the opportunity to work on people’s emotions and natural competitiveness, so it’s critically vital that a prospective purchaser stay calm and not allow these strategies to cloud their thinking. Real estate professionals are also susceptible to playing off both the purchasers and homeowners to boost their commissions higher and transaction numbers more impactful. Even though there are standard ethics rules in real estate transactions, not all agents adhere to them, so it is always smart to stay alert for signs of underhanded manipulation when faced with a multiple offer situation.

Dishonest maneuvers involving multiple bid situations are so prevalent that a few provinces have actually made it illegal for the seller to market a price they are not prepared to consent to just to start a bidding war. There are certain regulations involving multiple offers that require non-disclosure of of material facts while demanding that any alterations to the bidding procedure have to be discussed with everyone prior to executing. However in the quest to obtain a higher bid, many times proprietary facts are intentionally given away or even misrepresented to motivate the potential bidders.

The best plan when a purchaser is dealing with a multiple bid scenario is to make the best offer they are able to and put as few stipulations and conditions as they can into the proposed agreement so the homeowner will be drawn to it by straightforwardness and, hopefully, the amount of the offer. The propensity of buyers to get caught up in the heat of the moment and make large priced offers is just the type of situation that can be effortlessly misused by rejecting a perfectly good offer to try and sweeten the pot.

A few homeowners insist that their realtors do not make it public when they have multiple offers, which creates a situation where bidders are not told that their bids need to be the best they can offer. Most homeowners, however, are very keen on letting all purchasers know that they are expecting other offers, although it then becomes their responsibility to make sure no sensitive facts leak out and that the bidding stays fair for all involved. This does not deter some real estate agents from shopping around with other agents by making it public that bidding has begun on one of their listings

Another underhanded strategy employed to mislead possible buyers, as well as real estate professionals, is to review offers that will not be accepted in order to panic the other buyers into a bidding war. Some homeowners even start with a very low price in hoping to produce a frenzy that will get bids so high they will exceed the value of the home. However these schemes may go wrong when word gets out inside the real estate community that a homeowner is manipulating a bidding war because they will quit bringing their buyers to view the home.

About the Author: Stefan Hyross writes about many housing subjects. You can receive more news on

real estate in Barrie

and search for listings in

Alton village

from the sites. discover your next property by hunting for

Windsor real estate for sale

and find market resources.

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byAlma Abell

If you are building your new kitchen from the ground up, adding customized cabinets to your space might be the preferred option. Custom cabinets can be constructed to suit any space and layout, so they are especially helpful in oddly shaped spaces regardless of size. It is also a good idea to consider custom built cabinets if your current cabinets are too damaged for re-facing. Cabinets can take a beating over time, and some structural damage can take more than a coat of paint to fix. The benefits of adding custom cabinets to your new kitchen are immense, and when you enlist the help of professionals to assist you in their design you can guarantee the end result is going to be something you love.

Custom Cabinets are an Exceptional Choice if:

• You are Building a Brand New Kitchen
• Changing the Layout of Your Current Kitchen
• Expanding your Kitchen and Need Additional Cabinets
• Your Current Cabinets Cannot be Refaced

With Custom Cabinets Your Options are Limitless

While custom cabinets are certainly the most expensive option, the results last a lifetime. This means that while the initial cost can be a bit steep their lifetime value is well worth the price. Custom cabinets are built exactly to your taste, from design to dimension specifications everything you could possibly want is taken into consideration. This include any creative additions you would like to incorporate, like vertical pull outs that are perfect for storing spices, or drawer organizers that help you keep those odds and ends in check. The options are limited only by your creativity and imagination.

Build Your Custom Cabinets with the Pros

Working with professionals who specialize in cabinetry and design affords you the opportunity to eliminate common issues later. They are veterans when it comes to what works in a kitchen, and what doesn’t. If you are looking to begin your kitchen remodel in Fayetteville area, companies like Cabinet Transformations have a wide range of options, offer free estimates, and can advise you on the pros and cons of the material or style you choose.

byadmin

You are at a crossroads and wondering what you should do with your life going forward. You want a career that you love and that you don’t dread waking up and heading into work in the mornings. Have you ever thought of going to beauty school in Chicago? Yes, but can’t quite make up your mind? Read on below for a few of the top signs that you might want to become a cosmetologist.

You’ve been Doing Hair and Nails for Years

If you were doing your friends and families hair and nails from the time you were old enough to hold a comb, then you would be perfect for beauty school in Chicago. If you tried to do your friends hair and makeup all the time or if you cut your cousins bangs at the age of four, because you thought you could make them look better, then being a cosmetologist is probably in your future.

You Love to Talk and will to Anybody

One of the key requirements to be a cosmetologist is a bubbly personality and a love of chatter. You would be interacting with many different people on a daily basis and will need to be able to chat with them while you do their hair. If you have never met a stranger you couldn’t strike up a conversation with, then beauty school is indeed for you. Being a cosmetologist is much more than cutting hair and doing makeup, it takes a great personality and a love for talking.

These are just a few of the signs that you should choose cosmetology as a career. For more information on how you can go to beauty school in Chicago, contact the professionals at Ms. Roberts Beauty Academy for help. Like us on our facebook page.

Information of Food wallpapers

by

Mr vikas Gupta

Food is any substance consumed to provide nutritional support for the body. It is usually of plant or animal origin, and contains essential nutrients, such as carbohydrates, fats, proteins, vitamins, or minerals. The substance is ingested by an organism and assimilated by the organism\’s cells in an effort to produce energy, maintain life, or stimulate growth. Food is composed of many different chemical substances – \’macronutrients\’ (major nutritional components that are present in relatively large amounts, such as protein), \’micronutrients\’ (major nutritional components that are present in relatively small amounts, such as vitamins), water, and roughage (dietary fibre).Food chemicals can also interact amongst themselves within the body. For example, the availability to the body of iron from plant sources depends on the amount of vitamin C present in the food eaten. Enjoy a large collection of Food wallpapers for your computer desktop. Easy to navigate and find Food wallpapers that you are looking for.

Food Wallpapers on your desktop can be a pleasing diversion to flaunt your favourite dish. Food desktop wallpapers can bring a smile on a day when things are just not going right. Free Food Wallpapers may include many of your favourite dishes. To add fun in your working atmosphere you can grace your desktop with the Food Wallpapers. Send Wallpapers of your favourite food images to friends, family, spouse or loved ones. Send Free Food Wallpapers to your relatives, friends, family, parents, son, daughter, brother, sister, spouse, sweetheart and near and dear ones. All desktop wallpapers are completely FREE. Make the right choice and send it. It is a unique way to let them know your choice of food. Food is any substance consumed to provide nutritional support for the body. It is usually of plant or animal origin, and contains essential nutrients, such as carbohydrates, fats, proteins, vitamins, or minerals. The substance is ingested by an organism and assimilated by the organism\’s cells in an effort to produce energy, maintain life, or stimulate growth. Free Food Wallpapers – Enjoy a large collection of Food wallpapers for your computer desktop. Easy to navigate and find Food wallpapers that you are looking for. If we do not have the Food wallpaper you are looking for, please let us know so we can improve our visitors experience and grow our library of popular Food wallpapers. Download your favorite high resolution wallpaper for cell phone wallpaper or mobile wallpaper or download your free wallpapers for use with your computer desktop wallpaper. Make sure to checkout our wallpaper collection of Fruit, Drink, Meat, Seafood, Pastry, Food Setting, Vegetable, Dessert And Candy, Pasta And Pizza, Pizza.

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