Which Is More Cost-Effective, Cabs or Car Rentals?

Rent it or cab it?

People like the freedom of having their own vehicle to drive about in, at home or when they travel, and the tendency is to book a rental car when you are away. But freedom comes with a price and it depends where your travel destination is as to whether you’re best to rent a car or take a taxi.

Cheap ground transportation depends upon location, accessibility and extraneous expense factors, like gasoline costs and parking fees. Add to that the potential complexity of finding your way around a strange city, especially a large one, and you might change your mind about what freedom means.

A trip to, for example, New York City or Montreal, two North American cities with decent public transit systems, plenty of cabs, walkable areas in their cores, and very high parking fees, and you’ll realize that a taxi will almost inevitably surface as the cheapest mode of getting around.

But what if you want a day trip to the Laurentian Mountains or the antiques stores of Hudson? That’s the day to rent a car, or to find out if there is a luxury coach service to those destinations that returns the same day.

Car rentals are convenient, to be sure, but the costs add up quickly (don’t forget insurance and occasional peak-season added fees), unless your airline points cover all or most of the cost; even then, in large cities gasoline and parking is very costly, and that is not usually included in credit card or airline rewards perquisites.

When does a rental car make sense? If you live in North America (and can’t drive across the Atlantic Ocean!) and are vacationing in Italy, for example, landing in Rome and taking a motorcar tour of Tuscany and other regions from there, your only other viable option is the train. Like anywhere else, gasoline in Europe is expensive, but you can’t take a full driving holiday in a taxi. But don’t forget, there are guided tours and some taxi drivers will gladly spend a day with you, exploring San Gimignano; they are often the best tour guides, full of information about their homeland. And driving in other countries can be a harrowing experience, especially if it involves driving on the opposite side of the road than you are accustomed to!

Plan your itinerary, do an accurate cost comparison and decide whether a taxi or car rental, or combination of the two, is the cheapest way to get around when you reach your destination. And don’t forget to ensure that your driver’s license is current, and if you need to, get an international license before you set off for your trip. Happy motoring!

Choosing an Online Payday Lender

What is Payday Loan?

A payday loan is quick monetary assistance in the form of a loan to be repaid on your next pay date. Online payday loans are the easiest method to obtain necessary cash quickly when you find yourself between paychecks.

Choosing an Online Payday Lender?

There are some crucial steps when choosing your online payday lender. When applying for a payday loan or cash advance, go for only one at a time. Let’s look at other necessary points to consider before you start to fill an application on the internet.

1. Take into consideration how professional the lender’s site is. You don’t want it to be badly organized.

2. Pay attention to how the site presents information. Clarity, relevance and usefulness are important indicators of quality.

3. A good site will have key questions answered in a payday loan FAQ section.

4. If there are expected to pay any fees up-front before your application is processed, that’s a red light.

5. Check to see if it has a clear Security and Privacy Policy that you can read.

6. Some payday lenders may promise a quick or even an instant approval with little requirements from you. Beware of them!

7. WARNING! – Don’t use payday lenders who do not have a valid SSL certificate. You risk your personal and financial information being exposed to unwanted parties.

8. The site must have an easy way to contact the lender in case there are any problems. It should have an email address and a form on a “Contact US” page

Choosing A Travel Nursing Career

Real simply travel nursing is a combination of travel and nursing and is currently a very popular career option for nurses. It’s a career choice that allows you to take short-term positions across the country and makes it much easier for employers to find nurses to fill various positions. It’s a fairly new option available to nurses that allow you to work on short-term assignments, usually 13 weeks in duration. It’s very popular now and is being recognized as a profession in and of itself.

Employers are realizing travel nursing is a great way to fill positions with qualified candidates, and to provide nurses with work and experience in a variety of different settings. It’s a great way for nurses to work in a variety of settings and gain experience in different areas.

If you are an RN with at least one year of clinical experience, the exciting field of travel nursing is open to you. Hawaii travel nursing is a great way to see the beautiful state and get paid for it. Whether you travel across town or across the country, travel nursing is big. It’s ideal for those who get antsy after being in one place for a while and like change. If you enjoy traveling and possess an adventure to explore new world with different geographic locations, travel nursing is the right choice you for. For those who love moving around and seeing the world, travel nursing may very well be the profession of our dreams.

Another advantage of travel nursing is you’ll get to choose the area you work as well as the type of nursing. If you’re feeling a bit stagnant in your career, this could be a great way to pursue other specialty areas of nursing without being locked in as a staff nurse. It’s simply a great way for nurses to get the experience they need to make themselves more marketable while working in a very lucrative profession.

India Imports and Exports – Part II

India-America Trade relations

For the starters, United States is India’s largest trading partner.

India’s major exports to US – include Information Technology Services, textiles, machinery, ITeS, gems and diamonds, chemicals, iron and steel products, coffee, tea, and other edible food products.

India’s major imports from US – aircraft, fertilizers, computer hardware, scrap metal and medical equipments.

Additionally, America is also India’s largest investment partner. Americans have made significant investments in India’s power generation, telecommunications, ports, roads, petroleum exploration/processing, and mining industries.

India and US have signed a new Trade Policy Forum. The sub-divisions include: Agricultural Trade Group and Tariff and Non-Tariff Barriers group.

Agricultural Trade Group- The group specially focuses on three objectives: approving on terms that will facilitate India to export mangoes to the United States, thereby sanctioning Agricultural and Process Food Products Export Development Authority (APEDA) to vouch Indian products to the standards of the U.S. Department of Agriculture, and implementing procedures for approving edible wax on fruit.

Tariff and Non-Tariff Barriers group – Insecticides manufactured by United States could be sold across the length and breadth of the country. Also, India has also agreed to cut regulations on buy/sell of carbonated drinks. Many medicinal drugs and lowering regulations on products those are not agricultural produce.

Both countries expressed interest in promoting small business initiatives in both countries by enabling trade between them..

The percentage of traded items from India to US

1. Diamonds & precious stones (25%)

2. Textiles (29.01%)

3. Iron & Steel (5.81%)

4. Organic chemicals (4.3%)

5. Machinery (4.6%)

6. Electrical Machinery (4.28%)

The percentage of traded items from US to India

1. Engineering goods & machinery (including electrical) (31.2%)

2. Precious stones & metals (8.01%)

3. Organic chemicals (4.98%)

4. Optical instruments & equipment (7.33%)

5. Aviation & aircraft ( 16.8%)

Export of Indian Agro Exports to US

The export of Indian Agro products to US forms a significant component of Indian exports to US. The Indian government apparently plays an important role in the expansion and diversification of the agricultural products and food processing industrial sector of the country. It is reportedly one of the largest in terms of production, consumption, export and growth.

The main items of Indian Agro Exports to US are:

o Rice and rice products

o Fresh vegetables

o Fresh fruits like mangoes, mango pulp, and grapes

Are There Alternatives to Pay Day or Cash Advance Loans?

Negative government reports, consumer advocate studies, and investigative journalists for newspapers and television, have all taken pay day and cash advance lenders to task for their so-called loan shark activities. These protectors of the common good do have their points, but they offer few alternatives. When folks are in desperate need of cash, when they need the money quickly, there are no viable alternatives. Credit card companies, banks, and other traditional financial institutions are not too interested in loaning $500 to $1,000 to folks in dire need and often with less than stellar credit ratings.

Banning Pay Day or Cash Advance Loans

A market exists for lending money to people who need cash fast, and a legal market is the best answer. What would happen if pay day or cash advance lenders were banned? Law enforcement authorities would soon discover that back alley lenders, organized crime lenders, and other loan sharks will have stepped in to fill the void, exposing otherwise law-abiding citizens to the world of crime. And the enforcement wings of these loan sharks do not just break legs when a borrower cannot repay them on time. Whole families could be practically held hostage for a $500 loan.

Loans Are Interest Rate Heavy

Indeed, pay day and cash advance loans to carry substantial interest rates, far higher than those from traditional lenders with credit scores and collateral to underwrite the loans. But many of these folks do not have valuable property or acceptable credit histories. The fact is, the alternative to not being able to come up with cast in an expedient manner, could cause the borrower a lot more than just footing a high interest loan for a short period of time.

Interest Rates Vs. Financial Relief and Peace of Mind

Lack of cash can mean utility services being interrupted, going without medications or medical treatments, inability to purchase equipment for a business, job, or home necessity,and late payments along with further blemishes on credit reports. The interest rates, while high, are probably a small price to pay for financial relief and peace of mind. Because of the great risks a lender assumes offering these loans, the interest rates may be somewhat justified.

Improvements Needed

Perhaps the biggest problem, next to the high interest rates, is the short term requirements regarding repayment. Often, the very next pay check the borrower receives is eaten up by the repayment. One pay period is often not enough for a borrower to regain their financial bearings. They may have to keep extending the loan and that is where the real interest rates start to go into the loan shark realm. Often, a borrower can get so overwhelmed that they soon are making payments only on the interest.

Last Word on Pay Day or Cash Advance Loans

Many companies, in the onslaught of borrowers needing pay day or cash advance loans, are starting to change the terms of their loans so that they allow up to three months for repayment. They are responsibly addressing the needs of folks in these recessionary times. Three months is often long enough for people to get back on track financially. Unless someone can come up with a better legal alternative, a market exists for pay day and cash advance loans. That market, of course, should be carefully monitored.

How to Easily Choose the Products for Your Dry Skin

If you have dry skin and want your skin to look fabulous, the right skin care products are important. But how do you choose the right products for yourself given the many choices of beauty products you see in cosmetics stores and chemist?

You can easily be paralyzed by the choices you have. But getting the right product for your skin is the cornerstone of every successful skin care. Here’s a list of beauty aids that may fit into your skin care regiment.

Masks

Dry skin would definitely feel suppler if you use a mask on a weekly basis. However, be careful to choose the type of mask that is more moisturizing for your skin. For those who prefers heavy-duty moisturizer, you might want to increase your frequency of using a hydrating-mask to two times a week.

Exfoliators

Is an exfoliating necessary? Are skin care companies overselling the benefits of exfoliators? Well, the fact is, exfoliating does helps to remove dead skin cells and debris which is more prominent if you have dry skin. Thus, it can be a useful beauty aid to remove the flakiness of your dull looking skin. Avoid choosing physical exfoliators that contains harsh particles that can damage your skin fiber. Instead, there are newer exfoliators these days that will help you remove dead skin cells without any adverse reactions from your skin.

Serums

Serums are not exactly the type of skin care products to help you moisturize your dry skin. However, most serums contain a special ingredient that can help to soften any lines and firm up the skin. Due to the different formulations and skin structure of our body, there are a wide variety of serums created for our face, eye, neck and even thigh. If you find your skin is much drier at the jaw lines, try applying a layer of serum face creams to create a more radical smoothing effect.

Economic Conditions Have Turned Off The Light

Due to current economic conditions the light at the end of the tunnel has been turned off…

I saw this posted at the end of an email I received today. I know it was meant to be funny, and I did laugh when I first read it. Then I couldn’t get the impact of the statement out of my head. It kept repeating like a song that gets stuck in your head.

I want to believe the glass is half full. As a person trying to live in the real world and on the internet, the very thought that there is no longer any light at the end of the tunnel is devastating.

Fortunately I surround myself with fantastic people who always believe in a better tomorrow. Small business entrepreneurs, they come from all walks of life and they all believe in the light.

One guy buys distressed homes in the nicer blue-collar parts in town, doing most of the contractor type work himself he fixes them up. A new coat of paint, kitchen floor and clean the carpet so he can make them available for rent at affordable rates. Investing his future in the housing market in these economic conditions is a very risky and long-term investment. But he believes the light at the end of the tunnel is on.

Another couple of business owners started their own niche bar and club, party style, tour business. They work to bring paying customers to not only the larger clubs in Las Vegas, but the smaller locals style mom and pop bars around town.

They lead by example. Not only do they have fun making money while having a rolling party, but they are actively bringing the stimulus through the doors the local businesses need.

And another guy, no longer working at a local Vegas club decided to build an online business he could pass to his son after his college graduation. I’m assuming that he’s going to need a good hearty income to pay off his college loans.

He chose the niche market of sports clothing. He’s not trying to run Nike out of business or take jobs away from Big-5 Sporting or even Wal-Mart. But he does believe that even in these economic times, if you have a dream your willing to combine it with hard work there will be a light at the end of the tunnel.

By surrounding myself with people who still believe in a brighter future. The people who will never except that economic conditions are so bad its time to turn the light off.

I can change that song in my head, change it to a song I learned as a child.

And with the current economic conditions, it’s needed more today than ever.

This little light of mine, I’m going to let it shine…

How Nicotine Test Helps Employers to Establish Smoke-Free Workplace

Nicotine abuse is an issue affecting the profitability of businesses and the environment at workplaces. Employers are insisting on measures that will help them make the workplaces free from smoking of tobacco so as to make their businesses more productive.

Employers in US imposing ban on smokers:

Increasing numbers of employers in US are rejecting the applications of candidates who smoke. They are abiding by the laws framed by the government for the purpose and are not hiring who they find to be smokers. To know whether the prospective hired is smoker, they conduct tests. Those who are found positive for smoking are not offered employment.

Nicotine test helps them to detect smokers – instantly:

Employers apply different techniques to tackle the issue of smoking. These include testing for tobacco (nicotine) by different methods. These tests are helpful to identify if the applicant really smokes tobacco or not. Generally, a nicotine test can be conducted using urine, saliva or hair follicle samples. Employers use any or a combination of these techniques.

Benefits of establishing smoke-free environment:

A smoke-free environment improves productivity of the employees and reduces health insurance costs. Employers find smoke-free workplace beneficial on the following grounds.

Increased productive hours:

A no-smoking environment results in higher number of productive hours than in a smoking permitted one. Employees not used to smoking concentrate better on work and hence there is greater number of productive hours. They are healthy and take few sick leaves.

Whereas, smoking employees take unauthorized breaks to smoke, which is waste of productive time.

Healthy atmosphere:

As healthy employees are more focused on productivity, there is cordial relation between employees as well as employers. Such workplaces boost the employees’ morale and work potential and encourage talented workforce to work for more number of hours. Employers too reciprocate and get prompted to take positive action on any issue.

Shows professional approach of the business:

A smoke-free workplace, places the employer’s image in a positive view among the employees, peers, government, and social groups. The welfare measures taken serve as an example for professional approach taken by the employer. This will enhance mutual trust between the employer and employees.

Reduces healthcare costs:

Following a no-smoking policy at workplace would result in less healthcare costs. This is because, the employees are healthy and need lower health maintenance expenses – be it insurance premium or medical emergencies. These factors are known to cause increased medical expenses to employers in case of employees habituated to smoking. Studies show that, post non-smoking policy there is remarkable decline in the tobacco caused heart attacks, making current smokers to quit (Source: Forbes, 12 June, 2012).

Taking up nicotine tests to enforce a smoking-free environment at workplace is beneficial. The measures, of course, entail costs to the employers.

Women's Boots – All Time Favourite Ultra-Chic Footwear

One of the most popular footwear among women is boots. Boots are usually worn in cold winter months, but now the concept has changed and it is being worn throughout the year. Women’s Boots are usually easily available at all online stores. Shopping for boots at an affordable price is very easy. There are online stores where you would find boots, of your style and size. Sometimes it can be difficult to choose a pair from the wide variety that is available at these online stores.

There are variety of styles and designs available in boots for women. Whether it is a wedge heeled boots or ankle length or knee-high ones each type of boots evoke a different type of fashion statement. Wide calf boots are more popular in middle-aged woman. Leather buckled boots are ideal for the younger generation. You can team up your boots with any kind of outfit. From short skirts to hot pants to denim trousers and leather jackets and short dresses, women’s boots goes well with almost anything. Narrow fit jeans can also be teamed up with your boots if you are going for a party.

Women’s Boots are available in a variety of colours. Colours like black, brown, blue, red, and many more. The heels can vary from the clogged ones to flat and stilettos. Hiking boots and military boots are also very popular among young women. More and more brands are coming up these days with more options and variety from which you can select when you are shopping for your dream pair of stylish and trendy boots. Boots are available in wool, plastic as well as leather.

There is boots of various styles and heels, which you can choose. From -inch heel to 6 inches, you can choose your heel type according to your needs and requirements. The heel improves the posture however; continuous use affects the general health too. According to the present fashion trend, the fur and suede style is simply wonderful. Another very popular style that has caught on is the thigh high boots. Of course, this is not ideal for the working people. However, if you want to make an impression with your gorgeous outfit and boots then it is the perfect choice.

The classy colours and chic styles make women’s boots one of the most popular footwear. If you are choosing these boots then you should go for the ones with a rounded toe. With these kinds of boots it is better that, you opt for leggings since they are so sleek and fitted. Therefore, if you want to stand out in the crowd then you should go for these ultra chic boots.

If you are planning to purchase from online counters then you can choose to go for ones, which has a free shipping policy and the returns policy, which is easy and hassle free. There are many stores where you would find a suitable designer or brand offering your size. Whatever is your need or desires, choose the shoes, which best suits, your budget and style. You are sure to look stunning and very attractive when you are wearing trendy and fashionable boots for women.

Researching and Booking Hotels Online

When planning a holiday, it’s always difficult to know where to stay: how do you pick a hotel you’ve never experienced in an area of a city you might never have visited before? Staying in the right place is a key part of your trip; having comfortable surroundings and being in the right location is crucial for both the holidaymaker and the business traveler.

There are so many sites that offer online travel advice, its hard to know where to start! But next time you’re searching for a hotel to stay in, be sure to check out the following:

Wikitravel

Wikitravel is a great starting point for any traveller. The site provides information from a traveler’s perspective and offers useful advice in relation to where to eat and what to do in any given area. Larger cities are split into smaller districts, and on choosing which district you want to stay in, you are offered hotel options to suit your style and budget.

Expedia

Expedia has a directory of over 80,000 places to stay world-wide and can help you narrow down your search and find the right accommodation. It’s worth remembering that choosing a hotel on price alone is never a great idea. Hotels that are further away from attractions and amenities are usually the cheapest, but as location is a very important factor of any holiday it might be worth paying a little more to be located centrally. The handy map feature on expedia allows you to see exactly where the available rooms are located, letting you weigh up price against location.

Venere

Venere lets you filter your search results down to help pinpoint the perfect hotel for you. The filters include budget, type of accommodation and star rating, although generally photos give a better indicator of just how good a hotel is. When looking at photos of rooms, it’s worth cross checking these with recent reviews of the hotel, just to ensure that the photos are not only recent, but also a genuine representation of the room you will receive upon your arrival.

TripAdvisor

One of the best places to find customer reviews online is TripAdvisor, which has over 75 million reviews, tips and opinions from every type of traveller from around the world. TripAdvisor gives travelers the opportunity to rate hotels, share photos and videos and connect socially with other travellers.

Booking.com

Booking.com is the leading online travel agent and attracts over 30 million unique visitors each month. Offering over 253,441 hotels in 178 countries, the site aims to help travelers discover the best places to stay. Targeted at business and leisure travelers alike, the site scores hotels based on user reviews, which are broken down into categories such as comfort, location, value for money etc.. Hotels can also be filtered by the type of person who left the review – such as families with young children, solo travellers or large groups.

When it comes to booking your chosen hotel, you might think that online travel agents offer the best deals, but this isn’t necessarily the case. Booking direct with a hotel presents many advantages:

– You may be able to find exclusive promotions which aren’t offered on travel agent sites

– Some hotels offer frequent guest points and frequent flyers miles

– Hotels provide guest recognition, meaning the hotel will already know your likes and dislikes if you’ve stayed there before

– Having a direct point of contact at a hotel makes it easier to amend or cancel bookings

– Booking verification is instant as there’s no third party to confuse matters.

So next time you’re looking for a hotel, be it for business or pleasure, remember that while online travel agents and travel review sites can act as a valuable source of information, more often than not you’re better off booking via the hotel directly.