Cheap Loans – Do’s and Don’ts For Finding a Cheap Loan You Can Rely On

If you see an advertisement for a cheap loan which seems too good to be true, it may well be. Here are some top tips for spotting the potential pitfalls of loan offers and finding the right cheap loan for you.

DO: Compare loans

Lenders often categorize their loan offers as excellent deals, when in fact you could do a lot better if you took the time to compare loans across a range of different providers before choosing one, supposedly ‘cheap’, loan.

DON’T: Mistake ‘typical APR’ for a fixed rate or average rate

APR is an acronym for ‘annual percentage rate’, meaning the interest rate for the whole year. It’s easy to make the mistake of assuming the ‘typical APR’ is the precise interest rate you will pay on your cheap loan. In fact, this term refers to the interest rate offered to at least 66 per cent of applicants for that particular loan. Due to your own personal circumstances and credit history, you may be offered a higher rate than the ‘typical APR’, or you might not be able to take out the loan you want at all.

DON’T: Ignore the other charges

While the ‘typical APR’ is a good place to start when searching for cheap loans, there are often other charges involved when taking out a loan, and you also need to consider payment protection insurance. Take all of these things into account when you compare loans and you will get a much clearer picture of what the different lenders are offering.

DO: Check your credit card report

Take a look at your credit card report before embarking on a cheap loan agreement. Your credit card report will reveal how you will look to lenders when applying for a loan. You will also benefit by seeing if there are any errors and correcting them before you make an application. This will give you the best possible chance of being approved for a cheap loan.

DON’T: Be taken in by ‘payment holidays’

Sometimes, lenders will offer a ‘payment holiday’ which allows you to start paying off the loan later, perhaps after three months, instead of having to start making payments straight away. Unless this is really necessary, it tends to be better to turn down this offer, because future repayments will become larger to compensate for this initial holiday, and your total amount payable will also be higher.

DO: Read the small print

Before entering into a loan agreement, you need to know exactly what you are signing up for, and banks are required to tell you all the important terms and conditions. You should read through these carefully and not be afraid to ask as many questions as you need, to help you understand exactly what your ‘cheap loan’ will mean for you.

DO: Look out for ‘delivery charges’

In order to secure your business, certain lenders offer a service where they can send a cheque straight to you by courier, or transfer the loan into your account instantly or by the end of the day. However, this will often mean you have to pay an extra ‘delivery charge’, so unless you really need the loan immediately it might be better to say ‘no’ and keep your ‘cheap loan’ as cheap as possible.

Christmas Gifts Of 2017 For Women: Jewelry

Tips And Tricks For Getting The Most Out Of Your Jewelry

School teaches you about science and math and social issues, but you rarely learn about anything else in today’s school system. That’s why most people need little articles like these that are full of tips to help them out for any particular topic. In this instance, we’ll go over some great tips you can use related to jewelry.

Rich and vibrant turquoise is one of the most popular stones available. It is one of the most popular gemstones for the month of December and is often thought to invite feelings of love, good luck, and happiness. This particular gemstone is also the traditional gifting stone to celebrate the 11th wedding anniversary.

Pearl jewelry is a wonderful and versatile addition to a wardrobe. Pearls can often be accented with sparkling stones, used as an accent on a metal chain, or be shaped in interesting ways- the classical white strand of perfect spheres is certainly not the only way to wear them. Try a pearl necklace with diamond separators!

Do not purchase any jewelry from retailers in China. This country is notorious for selling fake gemstone and metal jewelry. Oftentimes, the jewelry advertised as sterling silver with real turquoise is just a piece of metal sprayed in silver and the turquoise is a fake piece of plastic. Such vendors may accept returns, but the hassle of shipping it back at your own cost, is usually not worth it. Be aware of scams like this.

To open a jump link when making chain jewelry, hold the jump link steady with pliers your left hand, and grip the opposite side of the opening with pliers in your right. Gently twist your hands towards each other. This twisting action helps the jump ring maintain its circular shape without distortion, which will occur if you try to push the sides together without twisting.

When shopping for jewelry, keep in mind the “cost per use” factor. If you will only wear those gorgeous, diamond earrings a handful of times, calculate how much money you are paying for each time you wear them. Pieces that you wear daily — like your wedding ring — are worth spending more money on, because your cost per use will be lower, and they will see more wear and tear.

Christmas

If you are shopping for seasonal brooches, try to buy them out of the season. By buying Christmas presents, valentine’s day brooches or Easter brooches out of the season, you can usually save a lot of money and acquire a quality piece of jewelry. So, if you are looking for a Christmas tree brooch or a snowman brooch, try to buy it in July. The best Christmas gifts of 2017 will definitely be jewelry

If you are in the market for a piece of jewelry you can realize significant savings by waiting for the right time of year to buy. Christmas and Valentine’s day are especially busy times of the year for jewelers, and they may be less likely to negotiate during these times of year.

Gifts

One thoughtful way to increase the impact of jewelry given as gifts is to coordinate jewelry given over time. A series of gifts, each of which matches previous pieces given, shows thoughtfulness and taste that is sure to be appreciated by the recipient. Building a matching set of jewelry through multiple gifts demonstrates a commitment to the relationship between giver and receiver.

If you are showering a woman with gifts on a regular basis, make sure that the jewelry items you are giving her are spaced out. If you fail to leave enough room in between each jewelry gift, she may get used to it and expect jewelry on a regular basis.

Jewelry is often very difficult to purchase for a friend or loved one because there are as many different styles and types of jewelry as there are people to wear it. Bracelets are a great solution for many and are available in a huge variety of styles made for the most fancy occasions to casual every-day wear. Plain silver and gold bangles are a staple for most women, but charm or sliding-bead style bracelets offer the buyer and the wearer the ability to completely customize the bracelet, as well as give the presenter a whole host of additional gifts to give in the future with the purchase of more charms or beads.

Jewelry is one of the best gifts to give to someone you care about. When purchasing jewelry as a gift, you should consider the person’s interests and lifestyle. For example, if they enjoy sports and the outdoors they may prefer more basic pieces. Think about what they enjoy doing, this should provide a good starting point when you are ready to purchase the jewelry.

When making or gifting jewelry, make each piece even more meaningful by selecting stones, beads, and colors that communicate different emotions. Green gems like jade and emeralds represent growth and vitality, which makes them ideal gifts for expectant mothers, newlyweds, or perhaps friends who are especially active in Eco-friendly lifestyles and initiatives.

Give the gift of relationship-appropriate jewelry. Jewelry gifts have a lot of potential for being misunderstood, so take stock of your relationship’s status and give jewelry that works for where the two of you are, not where you would like your relationship to be. Always check on the return policy and keep your receipt.

One of the biggest reasons that you need some great jewelry tips is that gold and jewels are items worth a lot of money. You need to protect your investment, and it doesn’t matter whether you’re buying, selling or storing your pieces of jewelry. Apply these tips and take care of your jewelry.

Lonely Planet Guides Vs Travel Blogs – Which Is Better?

If you find traveling the world to be a rejuvenating experience, you don’t have to strain your budget to stay young and kicking on the travel circuit.

I’m sure you’ll agree, It’s a lovely planet we live in, and Lonely Planet guides can show you the best treats, eats and retreats which some luxury tours choose to overlook as they sometimes only show you only the glossy, well worn parts of the country that you have chosen to visit, and leave you with the feeling of a somewhat ‘plastic’ holiday experience

If you are planning a backpacking trip of your own, then the correct use of Lonely Planet guides and various travel blogs are a great way to familiar yourself with your chosen travel destination before you ever leave home. They are a great option since they include some of the best kept travel secrets, helping you to travel further & longer with confidence.

Just because you want to travel doesn’t necessarily mean that you have burn a whole pile of cash to get an amazing traveling experience.

Backpacking from place to place can give you the chance to meet locals, as well as other travelers, and learn more about the planet we live in and the diversities of other cultures.

The famous Lonely Planet Guides have provided tourists with useful and practical information for many years.

Created after its founders splendid honeymoon during which they traveled across two continents and an ocean with borrowed money.

I always liked how the Lonely Planet guides are packed full of practical travel information and advice about the places I want to visit, however, I sometimes have found the guides to be outdated on more than one occasion.

The Guides are laid out beautifully with helpful maps & various photographs from local attractions.

Combine the photos with descriptions of cities & countries from around the globe and you have a great book that will inspire you to plan your next travel adventure.

What I enjoy most about the Lonely Planet Books is they can help to generate fresh ideas of new places to travel and things worth doing when I’m in need of some travel inspiration.

The books are full of lists. Top 10 Countries, Top 10 Regions, Top 10 Cities and so on.

I don’t know if I agree with the top 10 in each of these categories, and you might not either, but that is not the point.

Use the book to inspire you to travel to new places you haven’t yet been, and to generate ideas and travel inspiration.

Even if you don’t travel to the locations listed in the Lonely Planet Travel Guides, they will help you create awareness of what’s out there, and of the places that are available for you to explore.

If you enjoy traveling, you will enjoy looking through the Lonely Planet Travel Guides for fresh new backpacking ideas.

In 2007 approximately seventy five percent of the Lonely Planet was acquired by BBC Worldwide who resolved to continue creating travel guides as they have always been created in the past, providing trustworthy advice to independent travelers and backpackers.

Each year approximately 500 new Lonely Planet guides are published for travelers.

You can either purchase them from bookstores all over the world, or online directly from the company’s official website.

In addition, you can even download the guides now as an audio book.

Wandering from one distant place to another, allows you to experience the diversity of the world’s cultures, and the world-renowned Lonely Planet Guides have been helping tourists with their itineraries since it’s founders went on their own life-changing adventure, spending borrowed money and savings on an unforgettable travel experience across two continents.

Lonely Planet Publications is one of the world’s largest travel guidebook publishers, founded by Tony and Maureen Wheeler, who cashed in on their wanderlust.

Tony came up with the company name, having misheard the phrase ‘lovely planet’ in Joe Cocker and Leon Russell’s song, ‘Space Captain.’

Backpackers, travelers on the move, and jet setters who love to travel the world can find a bunch of relevant information on travel blogs especially information that may not be available in a standard printed travel book or guide.

First hand information about a possible travel location can come in very handy for the regular traveler, especially if it concerns local travel, hotel and food information, local weather information and travel maps etc.

Don’t depend on a single source for travel information. Flick through the Lonely Planet Guides, find a good Travel Blog with relevant & accurate information & even use Google to find helpful useful travel advice & tips.

Is There a Travel Consultant on Your Team?

OK, I have to admit… I book my own travel. I’ve been vacillating back and forth for months and months on whether to add a travel agent (aka travel consultant) to my team of experts that help make my life easier and I just haven’t done it yet. Now don’t get too impressed that I have a ‘team of experts’ – the list is short. It includes the lawn guy who’s also now the pest control guy, the maid, my hair stylist, my all-important driver to and from the airport, and that’s about it. But they’re all people who can save me time, save me money and can make recommendations based on their experience with me and my preferences. Hmmm… sounds like a travel consultant also.

So to help me make my decision, I thought I’d pretend that you’re asking me questions and I’m giving you the answers. It makes the writing so more interesting than just talking to myself.

Q: So why in these days on online booking of everything should I use the services of a travel consultant?

A: Online booking of travel may be the best way to go if you have a simple flight to book, have no long list of special needs, and know what you’re doing. I like to go to Travelocity or Expedia and search out my options and prices, but then I book my ticket on the airline’s direct site. I just trust that if I have any issue with my ticket that their airline will be more helpful to me.

I’ve only ever booked a ticket on one of these online sites when I needed a flight that had one airline on the outbound and another airline on the return.

Because I routinely fly to the same city, I just jump on that airline’s site and can have a ticket booked within seconds. But when my husband and I are both flying and we’re originating in different, then a travel consultant makes much more sense. I spend an excessive amount of time searching multiple airline sites trying to get us to arrive and depart at somewhat the same time.

If you have special needs (allergic to peanuts, pets, people, etc.), then a travel consultant can help ensure that your seats and/or flights are suitable for you. If you’re traveling internationally and are concerned with connecting flights, tight connections, passport or health requirements, go to the expert on your team.

Q: What can a travel consultant really do that I can’t do myself?

A: Besides what I just mentioned above, they can also:

Scout out lower prices than you may be able to find.

Help you with recommendations and prices on cruise bookings and most other forms of travel packages (guided tours, all-inclusive resorts, safaris, etc.) based on YOUR needs and desires.

Keep you in the know about luggage fees, luggage limits, TSA, travel rules in other countries, best times to travel based on weather and more.

Help resolve travel issues (cancelled flights, oversold hotels) and complex travel itineraries.

All with personal service and expert knowledge.

Q: What does a travel consultant charge to use their services?

A: The fee depends on the consultant. While some of the more luxury agencies have higher fees, the average fee is quite marginal. Some travel consultants will even drop the fee or offer a discount once you have finalized your trip with them. Plus, you can always ask an consultant upfront what their fees are and decide for yourself if it’s worth it. Your time is valuable also… so consider the value of the hours that you’re searching for your own travel and the fee for the travel consultant then looks very reasonable.

Q: So what are the requirements for a travel consultant to become part of your ‘team of experts’?

A: Just a few minor requirements to fulfill:

  • They recognize who I am when I call and say “Hi, it’s Carol.” I do not want an agency where I speak to someone different each time I call.
  • They know my preferences and my type of travel. When I say “Bruce and I both want to get to New York City around 6pm on a Thursday,” they’ll know to put me on Continental, him on Delta, and get us both aisle seats (exit row for me, any row with a power outlet for him).
  • They know our 1,000 places to see before we die, know where we’ve already been, and call us when they see a great deal to a place we’ve yet to go.
  • They book our cruises and our hotels and airfare. No more cruise-only people that leave the rest up to us.
  • They provide recommendations for places to see, things to do, restaurants, etc. because they’ve already been there!
  • If they’re not an expert in a certain area, such as finding us a house to rent in Santorini, they’ll find someone who is.
  • They offer reasonable fees and throw in a freebie now and then because we use them so much (is that too much to ask??).

Q: So are you still going to book all of your own travel?

A: Heck no! I’ll take resumes starting today from any travel consultant who can meet my requirements! — I’m interviewing!

Earn Your Child Care Credentials With An Online Degree

As the number of two-income household increase, more and more working parents are depending on day care centers to take care their children while they go out for work in day time. Parents know that children always come with surprises and they only trust child care providers that are trained to anticipate those surprises. Hence, if you want to success in this business, you need to earn your child care credentials and online education is one way to supplement your knowledge and experience with children to gain the trust of your potential customers.

What You Learn In Child Care Online Degree?

There are different kinds of children care online degree programs available. It’s range from early childhood education, children development to child study for grade 6 – 12 kids. Hence, you need to decide on one that best suit your child care business needs.

Basically, in children care related online degree programs, you will learn about education games, child growth and behaviors, child food nutrition, anticipation of children surprises and help children explore and learn about the world while developing relationships with peers and adults. If you are taking a degree related to business that focus on child care business, you will be taught on children management, activities planning and scheduling, socialization and much more.

Online Universities That Offer Child Care Online Degree Programs

There are a number of online universities that offer child care and children education related online degree programs. Among the online universities are:

  • University Of Phoenix Online University of Phoenix offers Master in Education with a Specialization in Early Childhood Education
  • Rasmussen College If you are interested to focus on children development, then Rasmussen College’s children development online degree program should be able to suit your need.

Choose Your Child Care Online Degree

Beside that, there are other online universities that offer child care online degree program, you could get most of information from internet, make a request to those online universities to send you a more details information of the course that you are interested in; request information from as many online universities as you can to make a comparison purpose on their online degree programs, information requests are free of charge; hence make use of it.

Accreditation

There are a lot of diploma mills offering “fake” degree. Hence, it is important to consider “Accreditation” when you choose your child care online degree. Make sure your selected online degree program is properly accredited by an accreditation agency that is recognized by U.S Department Of Education. Many “fake” degree programs do have accreditation but it is accredited by a “fake” accreditation agency. Hence, watch it of the potential trap of diploma mill when you choose your child care online degree program.

Summary

Your child care career will only be success if you manage to gain trust from parents. And getting an education online is an important way to earn trust or credentials as a child care provider.

Fast Food and Traditional Food

The term “cooking” includes a wide range of methods, tools and combination of ingredients to create the flavor and digestibility of food. Cooking technique, known as culinary art, generally requires the selection, measurement and combining of ingredients in a controlled procedure in an effort to achieve the desired result. Constraints on success include the variability of ingredients, ambient conditions, tools, and the skill of the individual cooking. The diversity of cooking worldwide is a reflection of many nutritional, artistic, agricultural, economic, cultural and religious considerations that impact upon it. Cooking requires applying heat to a food which usually chemically transforms it and changing its flavor, texture, appearance, and nutritional properties. There is archaeological evidence that the primitive human being used to cook their food with fire that was the most important thing discovered by the primitive human being. Cooking food and cuisine culture vary from country to country and from one culture to another and each cuisine has its specific particularity. Nowadays, because of the modern life that changes everything around us and influence our life style and eating habits, people are less preparing their own food. Eating habits tend to unify people from different society. The food production and the process of eating obtain new characteristics. Food available around us seems to be very different from the one that we used to eat.

Eating habits and modern life

Everything is running in high speed, people do not have time for cooking, don`t has the desire and patience to stay longer in the kitchen, and they don`t have the willing to prepare their own food. Old generation still prefer to cook their own food unlike young people who prefer to eat fast food because they don’t want to spend long time cooking and the desire for the cooking. The modern life shapes our eating habits and makes us like slave following its speed. It`s not hard to find fast food restaurant they are everywhere and every corner. Fast food consumption cause damages to the social and economic life of the country and leads to many health problems such as obesity and heart diseases according to many studies. Also, many nutrition experts from different countries have already declared the epidemic character of fast food. The rapid process of globalization and modern life influence our eating habits and gives opportunity to fast food restaurants to grow and flourish. Fast food seems to become very common everywhere, though some positive aspect of the fast food in easy to prepare, available in many places, and it is a substantial meal. But in other hand, we can estimate that its negative aspects are more important and bigger. I think it is easy to understand that fast food is one of phenomenon that is going to be accepted by people. We are going to see the process of disappearance of the traditional culture with the development of fast food restaurants in all countries all over the world.

How to fight fast food addiction

The best example of the fast food success to change the modern life is the invasion of the world’s food market by the giant fast food company such as McDonald, KFC and others. According to McDonald`s web site, McDonald has about 29.000 restaurants in 120 countries all over the world, and serves nearly 54 million customers each day. As well as it indicates the fact of such changing in eating preferences and even in the way of life itself. There is no doubt that right now fast food changes the face of many nations and eating habits around the world. To sum up, unfortunately, it is hard to prevent these global changes that traditional food is going to be replaced by new foods that common for all people in all countries all over the world. But the good news is that, recently there are some people and some movements which try to contrast the process of modern life and ask people to go back to their traditional food. To solve this problem we need restaurants that offers traditional food, and able to attract large amount of faithful customers. Also parents must teach their children how to prepare and cook the traditional food. Many People figure out that traditional food is much better for our health, so they want to preserve and keep the cooking tradition from evaporating. There is enormous hope of people to preserve their food preparation customs and tradition. The major obstacles are the modern life style. Some people might say that it is difficult to preserve our traditional food because it takes a long time to prepare and people today can not spend a long time in cooking. Other people, especially older people might say that, it is unfortunate to destroy culture and tradition. Those people might be right.

Conclusion

In these days, people have more health problems that are related with the new eating habits and fast food consumption. Despite some advantages of fast food the harm caused by fast food does not outweigh its benefit. I think that people should consider the negative fact of fast food consumption and the benefits of preparing their own food at home. It`s unfair that the traditional food which arrive to us from generation to generation we are going to replace it with junk food that will harm us more than benefit us. It`s unfortunate to lose the cooking tradition and eating homemade food prepared by our mothers together around the table. I am sure that all of us must think over this problem and try to find the appropriate solution to save our cultures, our traditional foods, and more importantly our health. So we should take action immediately to preserve traditional food and encourage people to prepare their own dishes, so they can stay healthy and live longer. Even though fast food is cheap, convenient, yummy and available in every corner in our cities, but that does not mean that our health is cheaper than the fast food that we eat.

Ten Essential Steps to Building Your Custom Hillside Home

Envision your dream home, perched atop the perfect mountain overlooking the vast landscape below. Feel the warm sun against your skin as you sip your morning coffee and watch the sky turn brilliant colors of red, orange and pink. With each new hour the scenery outside your window changes, an evolving canvas of light and color. A magnificent painting lay before you, a private masterpiece view able only from the window of your custom home.

A home in the mountains offers more than just beautiful landscapes and stunning sunset views. Hillside construction provides a sense of privacy and seclusion that many homeowners desire when considering their dream home. Far away from the hustle and bustle of the city life, a mountainside home can transform daily living into an oasis of tranquility. However, hillside construction has its own set of unique challenges. Follow these 10 steps to ensure your mountainside construction project is built without a hitch.

1. Hire a Local Builder Who Specializes in Mountainside Construction

Before you decide to build your dream home in the mountains, make sure that the new home builder you hire is experienced in hillside construction in your town. Each municipality has its own set of zoning regulations. It is best to find a home remodeling contractor that can provide actual photos and references from previous home builds in your area. A local contractor will understand the soil, topography and hydrology that is involved in your construction project and can guide you throughout the design process.

2. Choose The Location for Your New Home

One of the most important aspects of your custom home build is choosing the location. Mountainside building is environmentally sensitive and follows strict building regulations and zoning ordinances. Many factors influence the choice of location for your home. This includes the type of soil, drainage patterns and boulder formations. All proposed building sites should undergo a thorough analysis, identifying both challenges and opportunities before moving forward with the home design process.

3. Plan Your Home Design With The Natural Landscape

As said by the Father of Arizona building, Frank Lloyd Wright, “No house should ever be on any hill or on anything. It should be of the hill, belonging to it, so hill and house could live together, each much happier for the other.” When designing your custom home, the placement of the building should be a key consideration. Some important factors to discuss with your home designer are the surrounding views, location of mature vegetation, angle of the sun and prevailing winds. Multi-story buildings should be stepped into the natural contours of the site to establish harmony with the natural landscape.

4. Use Building Materials That Enhance The Mountain

A well-designed mountainside home is a blend of nature and design. Your custom home build should enhance the beauty of the mountain, using colors, textures and materials that coordinate with the natural landscapes. Focus on muted colors that match the desert tones. Shiny metals and other reflective colors should be used minimally. Textured patterns are recommended on the building facade to increase light absorption and tinted windows will help to decrease heat gain. Using desert varnish on exposed rock will enhance the stone’s natural appearance.

5. Avoid Using Excessive Exterior Lighting

Preserve the beauty of the night skies by utilizing exterior lighting that accents and protects without eroding stargazing. Spotlights should be placed on timers or restricted to emergency situations only. Face accent lights towards the ground to decrease light pollution.

6. Protect the Natural Ecosystem in The Landscaping

Utilize native desert vegetation, boulders, and native rocks in your landscaping design. Native shrubs protect the soil surface from monsoon rains, promote water retention and infiltration and reduce erosion. The planting of mature trees will help to maintain the natural ecosystem functions, assisting in the establishment of seedlings, availability of nutrients and decomposition.

7. Choose a Driveway Location That Minimizes Grading

Driveway design should minimize mountainside scarring, and preserve the features of the landscape such as mature saguaros and boulder outcroppings. The slope of the driveway should be designed to meet local ordinances, using retainer walls and natural boulders to minimize the chance of erosion. Using pavers or exposed aggregate will reduce the disturbed area calculation for the driveway.

8. Strategically Place Windows Throughout Your Custom Home Design

Window placement is an important part of a mountainside home build. A properly designed home will utilize windows for natural light as well as beautiful scenery. During the architecture phase of your custom home remodel, make sure to notate the location of the trees, cacti or other interesting landscape elements. Windows are the perfect design accessories to bring the warmth of the mountain to the interior of the home.

9. Use Sustainable Building Designs in Your Construction

Solar power is recommended as a supplemental energy resource and for use in swimming pool systems. Rainwater harvesting systems can be integrated into the landscaping irrigation system, providing an environmentally friendly and sustainable water source for plants and trees.

10. Hire a Company Who Provides a Construction Warranty

Construction warranties provide more than just peace of mind. A warranty will protect you during your home remodeling or new home construction project, ensuring that your home is built to the specifications that were outlined in your contract. Choose a company that provides a minimum of a five-year warranty covering materials and labor.

Five Reasons You’ll Love Being a Traveling Nurse

In your wildest dreams, could you imagine a job where you get to practice your skills, travel the world, see exotic sites, explore distant cultures, and experience the thrill of adventure every single day? Maybe it sounds too good to be true, but this is the kind of lifestyle that a traveling nurse lives.

Obviously, the life of a travel nurse is not 24/7 tourism. There is work to be done, and difficult situations to face. Despite the challenges of the job, travel nurses experience a whole new level of intensity that a traditional nursing position could never offer. Here are the reasons you’ll love it.

You get to see the world. Is there really a job that lets you travel world? Yes, but there aren’t many of them. Travel caretakers may work in third-world countries, remote regions, or isolated mission hospitals. While many travel caretaker agencies only utilize nurses within the U.S. you may select an agency that sends nurses worldwide. Either way, you’re going to travel somewhere.

You get to experience new cultures. Each area of the country and each region of the world boast its own unique culture. When you move from point A to point B, you will be immersed in a new culture. Cross-cultural experiences are enriching opportunities, allowing you to increase both your personal and professional skills.

You experience variety. Are you the type of person that doesn’t like to be tied down to one place, one job, and one role? Becoming a travel caretaker will put you in a situation where variety is the name of the game.

You receive higher pay. Generally speaking, travel caretaker receive higher pay rates than traditional stationary nurses. There are, of course, a lot of variables that affect the salary issue, including experience, licensing level, area of service, etc. Usually, a travel nursing contract provides for your housing including utilities. In situations where the agency does not provide nursing housing, they usually provide a generous housing stipend.

You develop a strong resume. Employers love to see travel or international experience. You may remain a travel assistant for the remainder of your career, or you may wish to settle down and look for a stationary position. Whatever your choice, you are adding invaluable experience to your resume by traveling. Being a travel assistant is a wise career move in more ways than one.

Travel nursing isn’t for everyone. It comes with adventure. This is precisely the appeal of the job for many nurses. If you have a sense of adventure, being a traveling nurse is probably the right calling for you.

Impact of Cloud Computing on Travel Industry

Introduction

The last decade has seen major changes in the travel distribution landscape. First, it was the Internet that started a revolution and forever changed how the travel industry operates. This online boom followed by subsequent economic slowdown has created new dynamics in travel distribution. The proliferation of smart phones and social media has resulted in further creating both chaos as well as new opportunities. While opening up new avenues for growth, these developments have also created new operational challenges.

Challenges faced by travel distribution industry

Dynamic Demand

One key nature of the travel industry is that the demand for travel is highly seasonal and cyclic. This creates a challenge for any operations manager in terms of capacity planning and right sizing of the IT support infrastructure. Planning for peak size can result in underutilization and lead to higher marginal cost. On the other hand, not planning for peak load runs the risk of lost transaction opportunities, unsatisfied customers and finally business losses. This is one of the primary reasons why most travel distribution players end up having higher IT infrastructure cost and lower operating margins.

Increased Search Volume

Increased number of travel portals along with a changing pattern of travel booking behavior of the travelers, has resulted in a huge surge in ‘look to book’ ratio. This increased number of availability request per booking now runs into thousands from a mere single digit number few years back, putting an enormous pressure on existing IT infrastructure. According to Pegasus Solutions, global processor of hotel transactions through the GDS and ADS channels, the look-to-book ratio soared to around +60% over 2009 levels and is expected to rise further. Today’s common look-to-book ratio is almost at a 2,500 -3,000 to 1, -primarily due to growth of online reservation and the changing consumer behavior who is now looking ‘value for money’ deals. For this, travel shoppers use multiple avenues such as search engines, referral sites, websites, mobile applications, and social media.

Business Disruptions

Just prior to the recession, online travel booking soared to all time highs attracting further investments in IT infrastructure in demand anticipation. However, discretionary travel was one of the first spends that was cut down during the slowdown. This caused a severe strain on financials and travel companies had to rethink their models yet again.

Increase in number of sales channels

Popularity of smart phones has persuaded travel players to embrace mobility as a medium to manage bookings and provide other experiences to increase customer stickiness. At the same time, social media sites have also become very popular and travel portals are trying to utilize this trend by integrating different social media components with their sites. Of course, more number of channels also increases complexities in product management.

Cloud computing from a travel distribution perspective

The Cloud helps enterprises to have a dynamically scalable abstracted computing infrastructure that is available on-demand and on a pay-per-use basis. This model not only saves the IT teams from investing heavily on infrastructure, but also shields them from the intricacies involved in infrastructure setup and management. Presently, apart from providing the on-demand IT infrastructure, cloud service providers typically provide interfaces for other related IT management services. To understand the application of Cloud computing to the travel industry, availability searching or shopping is probably the best example; it is by and large the biggest resource consumer in a typical travel process. In today’s circumstances, travel enterprises who run their entire travel application on a single infrastructure platform put unnecessary stress on operational budgets. One of the probable solutions to this problem is to decouple the availability search functionality from the traditional CRS system transfer it on an infrastructure that can support flexible demand. At the onset, it seems to be a complex and upheaval task, as it creates operational challenges such as latency. However, these challenges can be handled through a cloud based solution which offers higher scalability by using modern architecture patterns. On the other hand, mobility is witnessing an unprecedented growth in demand – this is another area where a cloud strategy can bring in competitive advantages for travel organizations. The key challenges that travel enterprises are facing today regarding mobile and social media channels are manifold, viz.,

  • With the advancements of mobile devices such as iPhone, iPad, Android, Symbian, and Blackberry, travel enterprises need to invest in leveraging these to further their distribution and fulfillment channels.
  • Mobility, being a rapidly evolving technology, is difficult to predict in terms of short term as well as long term demand. Due to this, travel enterprises are facing a challenge in scoping the required infrastructure for supporting mobility channel.
  • Travel enterprises need to create a business model to measure increase in revenue and profit against the costs incurred on mobility & social media investments.

Cloud based flexible and on-demand infrastructure enables a travel enterprise to offer mobility and social media channels without incurring any fixed cost. Using a cloud infrastructure, a travel enterprise can start in a small way and grow into these evolving markets with a lower risk and financial strain.

Key concerns in adopting cloud based system

Availability of a Service

Organizations worry about whether utility computing services will have adequate availability, and this makes them wary of Cloud Computing. But in reality, cloud infrastructure providers such as Amazon and Google have much lower outage compared to any internal IT system.

Data lock-in

The primary way to access the cloud platforms is through proprietary APIs. Thus, enterprises feel that they cannot easily extract their data and programs from one site to run on another. But in reality, all major service providers have an obligation in their contract to return the data to the enterprise. These service providers also have data access APIs that can be used to extract data in standard formats.

Data Confidentiality and Statutory Requirements

Many enterprises believe that their data will not be secure in the cloud, since current cloud offerings are essentially public networks. However in reality most of these cloud service providers have better data protection and security mechanism than most IT organizations. They achieve this through the usage of audit trail, encrypted storage, and network middle-boxes. Service providers also comply with various statutory and audit requirements related to enterprise and personal data security and usage.

Integration with external systems

Since travel distribution systems interact with multiple external applications, travel enterprises always have a concern about integrating the cloud based system with other external systems. However, all major cloud service providers have web service interfaces that can be utilized to integrate the cloud based system with other external systems.

Solution for the ‘long tail’

As we know, the travel industry comprises of many small to mid-sized companies. A large majority of which are very entrepreneurial and niche in terms of the products and services they offer. Companies in this ‘long tail’ have little or limited IT knowledge or support and rely on numerous third parties for IT. Such companies always find it difficult to balance their IT spending between IT upgrades and innovating on their solutions, and this tends to become a barrier for business growth. Even today, many small time travel enterprises do not even have an IT system, because they cannot afford to setup an IT operation in-house. Economics of Cloud environment can change this basic premise and make it both affordable and beneficial for travel enterprises of any size who can use this service to derive a competitive advantage. Such an environment brings tremendous advantages to such companies because it also helps them to manage their cash flow better. At the other end of the horizon, start-ups are finding it easier to build and offer products like CRSs, tour operating systems, distribution systems or basic inventory systems on a SaaS model, which is a stronger value proposition and provides a competitive edge to their offerings.

Business outcomes of using cloud based systems

From the above discussion we can conclude that travel enterprise can achieve business growth by leveraging the power of cloud computing:

  • A cloud-based solution reduces the total cost of IT ownership for the travel enterprises and offers performance, reliability, security, and flexible scalability advantages
  • Travel enterprises are able to increase customer base due to higher availability, low congestion, and additional sales channels
  • Competitive advantage to the small and mid-sized enterprise in the form of lower fixed or upfront capital cost
  • Improved operational efficiency due to low marginal cost
  • Ability to manage risks better by reducing fixed investment on any new initiative

How To Select The Best Home Furniture

If you have an interest in purchasing home furniture from Malaysia then there are certain considerations that should not be overlooked. As it is known as one of the top five exporters of furniture worldwide, you can be sure that the range of options will be extensive. It is important to think carefully about the purchase so as to ensure that you buy the perfect items for your place of residence.

Before spending any money you should visualize how the pieces you are considering would look in your own home. Whether or not you opt for a complete set of furniture or choose individual items would depend upon your exact needs. Often selecting separate pieces would give you greater scope for flexibility and changes at a later date.

If you feel that you do not have the time or the inclination to sit down and analyze every aspect of choosing modern Malaysian furniture, the solution would be to hire a professional to conduct the task on your behalf. Most interior designers would be able to suggest specific pieces depending upon your tastes, current decor, and budget. As such individuals are trained in decoration you would be able to create a look that is unique.

Today, choosing home furniture is a lot easier thanks to the internet. Now wherever you are located you can browse at leisure a wide variety of online furniture retailers. If you are planning to shop online make sure you are clear on such factors as the exact color of the items, their dimensions, and shipping costs. You should also inquire if there is a return policy in case you are not happy with the goods once they are delivered.

Of course you can always spend time visiting furniture stores in person. Though you would be able to see exactly how certain furnishings appear you would not necessarily have access to the greatest range of items or the best deals. Using the internet to locate suitable pieces and then planning a viewing trip would make more sense.

Before parting with your hard earned cash make sure you have considered how the home furniture will be transported to your home. Do you need to pick it up or will it be sent to your address. Also, do not make the unfortunate mistake of buying pieces that are too large to fit through your doors or windows; this is an error that occurs all to often.