Lost Luggage: Air Travel Tips For Surviving An Emergency
Knowing what to do if you have lost luggage in transit is one of the most vital travel tips you will ever learn. You can lose luggage anywhere and at any time during a long trip, no matter how you travel.Tourists lose luggage regularly in taxis, on buses and trains and anywhere in between a trip. Sometimes, luggage is stolen. However, lost luggage is a problem most commonly associated with airline travel.So what do you do if your bag fails to appear on the airline’s baggage carousel? The first point on your agenda is to report this fact to the airline’s baggage office or window. This is usually where lost luggage reports are recorded and addressed. It is bound to be on the same level as the baggage conveyor.Once there, you locate the baggage clerk and hand him your baggage stub. Do keep your cool and avoid panicking or blowing up at the poor fellow. Sometimes luggage for one flight arrives on another flight because of logistical problems.Once you have reported lost luggage at the airline’s baggage claim counter or office, a clerk will attempt to track your bag on the computer. If it turns out that your luggage is not arriving on another flight, another search level kicks in.The clerk will start making calls at all possible locations where your lost luggage may have wound up. If this yields no results, he will mobilize the baggage handlers to make a search for it.At this point, input from you will be very useful. You should offer a detailed description of your individual luggage pieces. If you have a picture of your stuff – even one taken of you by a friend that shows your luggage too – give it to the baggage handlers.After you have done this, do something to divert yourself. The matter is now out of your hands and there is no point in stewing or getting in their way!Next, you will need to fill out a claim form in which you will need to give some personal information. This will include a description of your lost luggage. Give the baggage clerk contact details of wherever you will be over the next few days. Ensure that you ask for and stash away a photocopy of this form, too!You will receive assurances to the effect that the airline will try to trace your lost baggage, and that you will receive it if it turns up. Listening to that can be pretty discouraging, because it confirms that your luggage is now officially lost.There is, of course, an off-chance that the baggage clerk will find that your luggage had arrived on the baggage carousel. If this is the case, your baggage is most probably stolen. This then becomes a case for the police and insurance company.If your lost luggage is traced, the airline company will definitely intimate you and return it to you. If not, most large airlines will do what they can to replace your lost luggage itself. They might offer to give you luggage pieces that match your lost ones closely (however, do not count on it!).It is your legal right to receive compensation for the contents of your luggage. There is a limit to your entitlement, of course. It varies according to the airline in question. In any case, find out the airline’s reimbursement policy should you choose to purchase replacements for items lost in your luggage during transit.
Commercial Real Estate Agents – Listing Success One Step At A Time
When you work in commercial real estate sales, you need a significant number of listings flowing into your pipeline. It is your prospecting process that will do this for you together with the referrals and the control of your market. All of this is up to you (sorry!).So let’s set some focus points to get your property market under control:
Place an increasing number of signs on properties you list in your territory so your business and your name are becoming well known.
Use the Internet Marketing process comprehensively for promoting different property types and different locations in your territory.
Get adverts weekly into the local paper on recent property listings (vendor paid advertising please).
Write editorials for the local newspaper regards properties that are known to the local area and will create interest in readership (editors love that).
Refresh your listing content frequently on the Internet so they remain active and rise to the top of the suburb list with the revised and refreshed detail.
Talk to as many people as possible each day that have an interest in commercial property sales or leasing. Tell them about the recent market trends.
The more clarity and momentum that you get in your prospecting and cold calling process, the better for you. If you take each day one step at a time, and improve on your actions of yesterday, the generation of new business and listings gets easier.Unfortunately many salespeople in the industry are erratic and poorly disciplined when it comes to personal progress. If this sounds like you, the problem has to be solved if you want to achieve better listings and more commissions.The clarity that you can develop in your daily business activities allows you to improve and progress. Ask yourself this question. What is the one thing you could do today which would improve on the results of yesterday? Small improvements taken on a daily basis create outstanding results over time. One new step forward at a time every day is all that it takes.One significant advantage that is commonly overlooked is that most of your competitors will be fairly ordinary when it comes to prospecting, cold calling, and follow-up contact with players of the industry. Personal discipline is the key to changing your own actions and hence the results that you achieve in listing properties for sale and properties for lease. Are you up to the challenge?
Importance of the Whole Life Insurance
Most of the people around the world feel confusion and ambiguity when they think about whole life insurance. If you are worried this issue also, we have all the solutions of your confusion. Our highly experienced team members are here to help you in this regard. They provide you with the most useful information regarding your whole life insurance policies.The importance of selecting the best available insurance company cannot disregard. You must know the basic factors necessary for the selection of best available insurance company in your locality. You must also know the basic purpose and advantages of life insurance. In fact, majority of the people, prefer life insurance just for leaving something special and costly to their family members and beloved ones after their death.If up to now you have not made any firm decision for joining any insurance company, this is a golden chance for you and others like you to take keen interest in it. It is usually recommended to gather complete information about several insurance companies, so that you could get more profit for you as well as for the members of your family. This is necessary to find out the best contract with the best life insurance company. You can find out the best insurance policies using Internet by seeking out the best insurance sites. You need to select insurance companies that best meet all your requirements. Different companies may have different policies.Do not simply rely on internet for finding the best whole life insurance policy. Try to make visit of several life insurance organizations close to your locality. Try to compare policies of various organizations and then select the life insurance company having the best policies and plans. Some times it is beneficial to arrange a meeting with the customer services representative of insurance companies, so that you can have all the possible answers to the questions in your mind. Try clearly to tell them that you want whole life policy that best fulfills all your family requirements, so that they offer you the best available insurance plans for your members of family.Every entire insurance policies devote a definite amount of regular monthly income for your family members and your beloved ones. Some plans are very economical to get started. Select the insurance policy according to your financial status and your requirements. A good entire insurance policy will definitely help your family members when you will no longer live in this world.Two main principles of life policies are variable global life and global life. The fundamental configurations of all insurance companies are usually similar. However, there might be differences in benefits you earn through their companies, and various options of savings.In practice, the entire living insurance policies are the more conventional type of life policy. Those who can achieve superior premiums should try to go for constant premium. It is also very useful for non regular savers, because it helps them to make a good saving policy.In conclusion, it is wise to consult an experienced insurance expert before the selection of best available whole life insurance policy. Life insurance leads may lead you to a reputable agent. In this way he/she can help you in choosing the most excellent insurance policy.
Small Business Loans 101
What are small business loans? To put it briefly, small business loans are loans that are specifically designed in order to cater to the monetary and financial needs of these types of business ventures. The interest, the amount that can be loaned and the time table to pay such loan are all in favor of small businesses. The interest rate ranges from a low rate of 4% up to a high rate of 15%. The ratio behind these low rates is that new businesses will not have high or big funding in order to pay back the amount loaned. If the interest rate is too high then the they cannot hope to pay such amount. As such, these low rates in order to help these businesses follow through with their dealings.The amount that can be loaned has also been personalized with regard to small business loans. Depending on the capital and assets of a business is the amount that the business owner or the business itself can loan from a bank or a lending institution. This guarantees that the small business will not commit “over loan” or the act of loaning a high amount that is very hard to pay back with the business’ current finances. There is a predetermined floor limit and a ceiling limit for small scaled businesses. This has been the practice of banks and lending firms for the last couple of decades since it has been backed up by adequate research and statistics gathered by the experts.The time table for these small business loans usually range from 60 days up to 180 days depending upon the amount loaned. If the amount loaned is minimal then it will necessarily have a 60 day payable period. If the amount is high then it will have the maximum payable period of 180 days. This time table has been carefully studied by financial experts in order to cater to the needs and capacities of every small business owner nowadays. The time frame to pay the amount is in proportion with the capacity of the small scaled business’ ability to pay vis-à-vis the interest rate. If you own your very own small business then this is the right kind of loan for you to avail of!These small business loans can now be easily availed of by using the internet. All you need to have is a computer with an internet connection. You can access any online banking website that will allow you to process your request. You need to key-in your personal information like your first name, last name, credit card number, social security number, email address, home address and the like. Registration typically takes as fast as a couple of minutes. You can expect your small scaled loan to be processed within 24 hours upon submission. You can either choose to have your loan delivered to your home or you can personally pick up the money, whichever you prefer. Availing of a loan has never been this easier like never before!
Lower the Payment on Your Business Loan
It is hard enough to get a business loan these days. And, even harder if you want that loan to work for you – allowing your business time to leverage those loan proceeds to grow your business and repay the loan.When most business owners consider a business loan they think about the interest rate as they don’t want to overpay for the loan.But, the interest rate on your loan might not be the most important factor in reducing your loan payment.The term you negotiate may have more impact.Let’s take an example:Your business is seeking a $100,000 business loan and gets offered one at 9% for 36 months.This makes your monthly payment $3,180.If you negotiate a lower interest rate – say at 7% – your monthly payment would drop by just under a $100 per month. A good savings but not spectacular.But, instead of negotiating your interest rate you get the loan term increased by one year or 12 months.This relates into a monthly payment savings of nearly $700 – making your loan payment $2,488 per month – much more affordable.Now, while under this scenario your business could pay additional interest to the lender over the life of the business loan. But, as you can see, you can make up that difference in a short time from your monthly saving – further using that $700 monthly savings to fund other needs in your business.Plus, the most important aspect of getting a business loan is using those funds for growth and expansion. If done properly you can use those loan proceeds to repay the loan through increase business or by improving operational efficiencies.Thus, the additional interest that you might pay is far less detrimental to your business over the long term then either not getting a loan in the first place or having payments that are not affordable – potentially putting your business in a position to default and lose everything.Moreover, in the following months that your business does have solid revenue, you can always pay a little additional principal to help reduce your overall interest.If you have a great opportunity that you need outside business capital for but you want to keep your payments manageable – giving you time to reap the benefits from that opportunity – then the term on your business loan may have more of a positive impact in lowering your monthly payment then your potential interest rate.
What to Do If Your Business Loan is Approved
Your business loan is approved. Congratulations! It’s one of the most exciting phone calls you can receive as a business owner. It means that your business has received the financing that you’ve desired for opening your new business or expanding your existing business. Obviously, a celebration is in order! However, before popping open that bottle of champagne and proposing a toast, remember a few key rules before signing on the dotted line and picking up your check.- Thoroughly review all loan documents, and understand what they mean before you sign and accept the loan when your business loan is approved.If you don’t understand something on the loan documents when your business loan is approved, ask the lender to explain. If you feel that the explanation was not clear, ask for further explanation, or ask that you receive a copy of the paperwork to take with you so that you can review, read, and research. Consult your attorney or accountant if you have questions.- Return all required documents to the lender on time when your business loan is approved.When your business loan is approved, there will be a number of documents and required paperwork that the lender will need before you can close on the loan. Your proposal and ideas were obviously impressive enough to the lender for them to them to tell you that your business loan is approved. Keep up that good impression that the lender has of you by promptly responding to requests for additional documents, information, and credit references. Once your business loan is approved and your money is in your account, you’re your time and review your business’ situation with care.- Turn to your business plan.Review the goals and objectives of your business, and review the information that you gave to the lender. The lender was impressed enough to offer you the money for your business – impressed enough that your business loan was approved. Refresh your memory regarding your business. Read your business plan weekly to keep these ideas continuously in your mind so that you can stay focused. Remind yourself daily why your business loan is approved.- Turn to your loan proposal.Yes, turn to your loan proposal. It seems odd to consider the loan proposal now that your business loan is approved, and now that the money is in hand. However, recall the reasons why you wrote the loan proposal and why you applied for the loan. The loan proposal served the purpose of demonstrating to the lender that you are a trustworthy, business-minded, energetic, responsible individual with a great idea for your business. The proposal also stated the items that would be purchased with the money. Review the ideas behind obtaining the loan. Keep your self-esteem levels high, and work only to succeed. Purchase only the items listed in the loan proposal, and use the money for nothing else when your business loan is approved. To find business success, stick to your initial goals for the loan, and maintain financial control of the money. Remember, you have not won the lottery. This money needs to be repaid in a timely manner.Additionally, lender communications are very important, and much appreciated by the lender, when your business loan is approved.- Maintain close contact with the loan officer when your business loan is approved.Before you close on the loan, keep in touch with the loan officer to let that person know of your progress in gathering your final information needed to close. After closing, check in periodically with the loan officer to fill him or her in on how things are going with your business. When your business loan is approved, the lender has a vested interest in both your personal and business success, and will appreciate your efforts in keeping communications open by offering current information about your business. Keeping the line of communication open will allow you to possibly take advantage of the lender’s other services, which may be needed by your business down the road.- Communicate any business problems to the lender immediately.Lenders don’t like surprises, particularly if it involves bad news. Be honest, and if you’ve run into a snag, inform the lender before anyone else. If you prosper, the bank will prosper. If you fail, the bank fails. By being open and honest if something doesn’t work out after your business loan is approved, the lender may be able to offer solutions or assistance to help you resolve your problems and get back on track. Hiding the problems, or worse yet, ignoring the problems or becoming elusive will only make the lender leery of you and your business, and may jeopardize your credit scores, or worse, your reputation as a business owner.
Online Sports Gambling For Fun and Money
Sports have been the hub of human activity since Roman times. Humans have always shown tendency towards more entertaining sports than less entertaining ones.
Physicality has also been the major human instinct to inspire and stamp his authority; sports being a way to display this trait. Another human trait is to make money for ones self. As humans have always been devising a newer and easier ways to earn money; gambling and betting on sports has also caught their attention. Being a short route to lots of money, this has been one of the most fascinating trends of the new century.
Gambling evolved in Europe and it has caught the entire world with its fizz. With every thing going online during the last decade, gambling has also taken the same course. With the possibility of adding money to online accounts, gambling has become a success story. Now as the money can be paid through various cards to an online company, gambling sites are more practical.
There are various ways to upload the money to the gambling website. In almost all the European countries, cards such as MasterCard and Visa cards can be used to link with the gambling sites account. Once a card is linked in that fashion, one can easily upload the money to the website and pay for what he wants to gamble. Similarly, the winnings will automatically be paid to that card number.
Electronic money is another way to get the money into a gambling website. Now most of these websites even support wired transfer for withdrawal of funds. However, some countries, even today, do not allow use of credit/debit cards for online gambling purposes. The United States of America is a major country that has prohibited such use of credit and debit cards.
The physical sports have also made it to online betting. Football being the top ranked in betting has generated more revenue than the TV money and stadium ticket selling. The next in line is Basketball. Its popularity has grown over the years with the NBA going global. Baseball has also attracted the worlds major betting websites. You can easily gamble for any game these days right from your laptop. This ease and chance to win easy money through gambling and betting has made it almost a household thing. The best thing is that even a ridiculously low amount of money can be bet.
Along with the easy money, gambling has always been linked a lot of frauds and cheats. The same remains true with online gambling and betting. Most of the websites ensure that the money transfer is secure and there would be no fraud of any sort. However, how can one give out his credit or debit card information and believe that it is secure? Although many websites are secure and they do not intend to cheat on any one, but the constant threat of hackers always remains there. Just imagine that one of these sites with big money in its vault is hacked, where will all of your money go?
How to Stop Gambling Addiction Using Hypnosis
Gambling addiction is a very serious addiction, although many people might not realize it. Being addicted to something like gambling might not be as deadly as other addictions, but it can ruin lives, ruin families, and ruin the financial future for those who are afflicted with this problem. Everyone knows that the first step to healing any addiction is admitting that you have a problem. If you have already accepted that you need to take control of your gambling addiction, you are commended for your ability to step up and decide to make a change.
One of the most popular things that people with a gambling problem choose to try is to stop gambling addiction using self hypnosis and hypnosis MP3s. Hypnosis MP3s and clinical hypnotherapy can be very effective in eliminating gambling problems because it causes your brain to re-wire the way that it thinks. While you might still think about gambling, it won’t be that insatiable craving that you just have to do it like it used to be. If self hypnosis and hypnosis mp3s are successful, you will be able to go on about your life and live every day without having to gamble to feel good about things or even just to feel like you are able to be okay.
Many people don’t understand the complexity of a gambling addiction because they think that people can just stop. However, much like drugs and alcohol, gambling can take over the mind and become a mental need that has to be fulfilled. The chemicals in alcohol and drugs that make them addictive are not the only reason that people get hooked. There is a chemical reaction in the brain that occurs over time, causing people to believe that they need their addiction to survive. However, with self hypnosis downloads, you can stop gambling for good and get back to your life.
Strategize Your Moves to Win Gambling Online Bonus
I’ve just finished reading way too many articles about how to win a gambling online bonus and other fool proof ways to win at casinos. I’ve had enough with roulette computers that beat roulette wheels. I feel a need to get in my two cents in. My two cents are pessimistic. That being said, I do know how you can tilt the odds in your favour. It’s just not that glamorous. It’s like cutting out coupons in the newspaper before you buy your groceries.
Quality online gambling casinos like new customers. It’s a bit of an obvious statement, but a good place to start nonetheless. Quality online gambling casinos are wrestling with the marketing problem. Faced with many similar casinos, how can one create a unique value proposition for customers? How can they make their casino the best? There are several possible means. Casinos can compete on:
- Payout ratio (one casino pays out 98% of the money it takes in)
- Quality of the software
- Give you a gambling online bonus when you sign up.
The main problem with the first marketing effort is that it reinforces the notion that you’re taking money from the players. This might not be the fact that you want to emphasize in your online casino marketing efforts.
The problem with the second is that the best and highest quality software and resulting quality online gambling experience can’t be experienced until after the customer downloads the software. This strategy doesn’t help get new customers. The first two strategies don’t help you get new customers; they just help keep the ones you already have. The last strategy is the online equivalent to the $5 lobster dinner at Vegas. It’s just a loss leader – plain and simple.
Combined with search engine optimization and affiliate programs, the third strategy seems to be the strategy of choice. The proposal works like this. Sign up, deposit $50 and we’ll give you $50. The only catch for this gambling online bonus that you need to gamble a bit before you take the gambling online bonus money out.
Many quality online gambling casinos offer a gambling online bonus of 10%, 20%, or 25%. It might be better to look for individual free money for every $25 you deposit. If the quality online gambling casino gives you a free $50 for every $50 you put in, this works out to a 100% bonus. One place offered $100 for a $25 deposit. This is a whopping 400% bonus! Not bad.
So is there a catch? Not really, as long as you don’t end up losing more than the bonus. A little self discipline.
So, how do you hustle the quality online gambling casino?
A Blackjack player that knows some basic strategy has a disadvantage of around .5%. This means that for every $100 that you wager, you should get $99.50 back. I think that this is actually pretty good. For one hours worth of entertainment, you should be down at most a buck or two. If you’re lucky, you might win a bit.
Quality online gambling casinos usually want you to make $50 worth of bets before you take the money out. Normally, you’ll end up with $40 to $60 to take out (assuming you deposited $25 and the casino kicked in $25 as well). It’s cool is you suck at Black don’t sweat it just play Baccarat or Craps. In Baccarat, bet player or banker. In Craps, bet pass or don’t pass. These strategies give you about a 1% disadvantage. Make all your bets the table minimum. Keeping you bets at the minimum diversifies the risk over more hands and increases the chance that you will end up with between $45 and $55 worth of cash. Now just have fun and make $50 worth of bets. In general, it’s a good rule of thumb to deposit more than the minimum amount for the gambling online bonus. This is just to avoid suspicion. After you’re done, take most of your money out. If you leave a bit in, the casino might give you the same sort of gambling online bonus and you can make more money this way.
That’s it! The be proven way I’ve found to provide a beating to a one armed bandit.