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5 Ideas For Cruises On A Strict Budget}

5 Ideas for Cruises on a Strict Budget

by

Glen Wheaton

Hopefully it is a year that you might want somewhat more from the family vacation than an outing at the amusement park, but the budget still is tight and you won’t be able to treat the family to a expense-is-no-object vacation. I would like to offer here 5 ideas for cruises on a strict budget. Utilizing these and other guides we will offer, you will be able to take that vacation cruise that you have been putting off for too long.

1.Aim to book originating from a port which is only a days drive from where you live. Provided you can avoid plane tickets as well as an overnight stay, you will only have to pay car parking fees, which will save you immensely. There are numerous ports of call all over the world now, so look for one in your area.

[youtube]http://www.youtube.com/watch?v=eF_IpdToR8Y[/youtube]

2.The price tag on when you travel can differ greatly. Ships are extremely crammed during spring break, the summer vacation period, and around holidays. If you possibly could travel at times apart from these, you can almost guarantee yourself some savings.

3.Book early or book late. A number of the great things about scheduling early are free cabin upgrades, onboard ship credit, and early bird discounts. These benefits may be had if you are able to book at least six months in advance. Another path to take is by booking late. Should you have versatility in your travel dates, you will discover bargains on cruises booked two to three weeks in advance. Travel brokers that have pre-booked cabins that didnt sell or last minute cancellations which offer cabin openings closer to sailing date can provide ridiculous prices for anyone versatile enough to take advantage.

4.Seek out the budget cruises. These cruise liners are older and are inclined to appeal to the budget-minded passengers. Destination is much more important than level of accommodation, food, entertainment, etc. This level of classification is certainly not for the traveller who will be looking to be spoiled. Meals are basic and so will be the cabin. Most budget cruise ships will have a pool and exercise space. It’s actually pretty much comparable to a 2-star motel/hotel. For those on a strict budget this is ideal.

5.Make lists of what you’ll pack in advance. Pack layers–an undershirt, a light-weight, long-sleeved top, along with a windbreaker, for instance. Lay out the toiletries you’ll require, and double-check everything prior to it being packed. Purchasing toothpaste, sun screen lotion or sunglasses aboard ship can definitely reduce into your money for having fun. Bring either your own camera or disposable ones in order to avoid paying for the pricey shipboard photographs. Bottled water will get costly. Fill a reusable bottle in the dining room before heading out for your days excursions.

These 5 ideas for cruises on a strict budget are just many ways that money can be saved. But a bit of planning and a little sacrifice and flexibility will go a long way to getting you to where you want to go.

My name is Glen Wheaton, and if you love cruising as much as I do, you will want to take advantage of every opportunity to go on one of these unforgettable vacations. We hope these 5 tips for cruises on a strict budget will help you to your dream. For more tips on budget cruises, click

HERE

, and for a look at some guides for saving on all your travel needs, click

HERE.

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5 Ideas for Cruises on a Strict Budget}

World’s oldest living woman dies at age 115

Friday, January 19, 2007

The world’s oldest known woman, Montrealer Julie Winnefred Bertrand, died on Thursday, passing away peacefully in her sleep.

She earned the distinction as the oldest living woman when 116-year-old Elizabeth Bolden of Tennessee, U.S.A. died on December 11, 2006.

Bertrand was born on September 16, 1891 in Coaticook, a town in Quebec’s Eastern Townships, and lived there for the majority of her life. She was the oldest of six children, and never married. She moved to Montreal after the death of her parents, and later moved into a nursing home.

She had never left her sixth-floor room in the nursing home for two years, but unexpectedly, she asked to tour the building the day before she died.

Bertrand will be buried in Coaticook.

Retrieved from “https://en.wikinews.org/w/index.php?title=World%27s_oldest_living_woman_dies_at_age_115&oldid=1868283”

Sallie Mae leads Consumer Financial Protection Bureau complaints about student loans

Tuesday, October 1, 2013

A review this week by Wikinews of US Consumer Financial Protection Bureau (CFPB) complaints about student loans in the United States shows Sallie Mae leads all lending institutions in complaints. Of the 4,851 complaints dating back to March 2012 when the CFPB first began collecting student loan data, 2,262 or 46.6% of all complaints were about the lender. US Federal Reserve data from 2010/2011 shows Sallie Mae is the nation’s largest student loan lender, responsible for 25% of the market

The other major lenders in this space include Wells Fargo, JP Morgan Chase, PNC, and Discover. In complaints, AES/PHEAA came in second with 546, or 11.3% of all complaints. Wells Fargo, Citibank and JPMorgan Chase each had between 5% and 7.5% of all complaints, totaling 918 complaints between them. 78 other lending institutions round out the list of organizations with complaints filed against them for student loans.

Few of the complaints originate from people with problems with federal student loans. Less than 1%, 35 total, are for these types of loans, with Sallie Mae accounting for the bulk of complaints with 17 total. 14 other lending institutions have 3 or fewer complaints. For non-federal student loans, Sallie Mae is still the leader for complaints, with 2245 or 46.6% of all non-federal student loan complaints.

The Consumer Financial Protection Bureau sorts complaints into three issues: Problems when you are unable to pay, Repaying your loan, and Getting a loan. None of the federal loans had complaints about getting a loan. For non-federal loans, 65.5% of the 4,816 complaints related to loan repayment. Sallie Mae led in total complaints in this category with 1467. They were followed by AES/PHEAA with 356, Wells Fargo with 231, Citibank with 201, Discover with 158, JPMorgan Chase with 154, ACS Education Services with 143, and KeyBank NA with 116. CFPB says loan repayment issues include a basket of claim types including “fees, billing, deferment, forbearance, fraud, and credit reporting.” Problems when you are unable pay accounts for 30.8% of the complaints. Sallie Mae had 698 complaints. They were followed by AES/PHEAA with 181, JPMorgan Chase with 106, Wells Fargo with 104, Citibank with 70, and KeyBank NA with 58. Many of the complaints are, according to the CFPB, because borrowers have difficulty getting deferrments on loan repayment as a result of being unable to find employment.

The total complaints against Sallie Mae for September of this year is 2 fewer than the same time last year. The company’s performance this year compared to last year has been mixed. March and June numbers were down over 150 complaints from the same month a year before. April, May, July and August all saw increases of 17–43. Of the top six lenders by volume of complaints, only AES/PHEAA and Citibank saw drops every month between March and September from the total volume in the previous year. Wells Fargo had a gain of 1 in August and 6 in May from the previous year. JPMorgan Chase had a difference of 0 from the same month last year for April, 3 more this year for May, and 4 more for August. Discover saw an increase every month from the same period last year except for September. When the total complaints differences from year to year for March to September are counted, this year has 571 fewer complaints against the top six lenders.

Most, 1470, of the complaints against Sallie Mae were closed with explanations. 10.2% were closed with monetary relief. 7.7% were closed with non-monetary relief. 2.1% were closed with relief and 12.1% were closed without relief. AES/PHEAA’s complaint closure picture was much different. 40.1% of AES/PHEAA’s 546 complaints were closed with non-monetary relief, 35.3% were closed with explanations and 21.2% were closed without relief. Of the eight lending institutions with 100 or more complaints filed against them, Discover was the institution most likely to result in a closure with monetary relief with 12.9% of all their closures ending this way. Citibank was the institution with the highest percentage of closures ending with no relief at 26.0%.

Complaints over student loan lenders were geographically distributed, coming from 3,447 different zip codes. The largest cluster of complaints is for 20001, a Washington D.C. zip code with 10 complaints originating from there. 07950, the zip code for Morris Plains, New Jersey, and 37013, the zip code for Antioch, Tennessee, each had 8 complaints originating from them. Zip codes for Patchogue, New York; Philadelphia, Pennsylvania; Washington D.C.; and Arlington, Virginia each had 7 complaints originating from them. By volume of complaints by state, New York led with 497, with California second with 467, Pennsylvania third with 303, Florida fourth with 288 and Ohio fifth with 219 complaints. US Territories largely occupied the bottom spots. The Northern Marianas Islands, with a population of around 50,000, had 1 complaint. The U.S. Armed Forces – Pacific had 3. North Dakota and U.S. Armed Forces – Europe had 5 complaints each. South Dakota had 7. Wyoming had 8. Puerto Rico and Alaska had 9 each. Rounding out the bottom five states by volume of complaints, Mississippi had 11.

With the possibility of a United States government federal shutdown looming on October 1, student loans may be impacted because of potential for an automatic increase in interest rates.

Retrieved from “https://en.wikinews.org/w/index.php?title=Sallie_Mae_leads_Consumer_Financial_Protection_Bureau_complaints_about_student_loans&oldid=2044255”

Chunichi Dragons win the 2007 Konami Cup

Monday, November 12, 2007

In the final of the Konami Cup 2007, Chunichi Dragons battled SK Wyverns again, many Japanese spectators hoped for Dragons to take revenge on Wyverns and win the championship. This was really a intensive match with starting pitchers George Kenneth Rayborn from SK versus Daisuke Yamai.

Even though Byung-kyu Lee hit a 2 runs HR to expand the difference by the 5-2 leading. But Jin-young Lee also hit a 2 runs HR to tie the score with 5-5 at the bottom of 8th.

The key innings took place at the 9th inning, Hirokazu Ibata (Dragons) hit a key run back to make their team lead with 6-5. Finally, the relief pitcher Hitoki Iwase successfully shut down SK’s offense and tied the score to the end to win the champion.

With the winning hit at this game, and 4 hits with 7 RBIs in the Konami Cup Asia Series 2007, Hirokazu Ibata was finally chosen to be the MVP.

After this game, Chunichi Dragons coach Hiromitsu Ochiai remarked: “Even though we ever lose to SK Wyverns, but participants in this year proved their actual strength more than last year. In this game, after we led with 6-5, Hitoki Iwase told me he want to pitch at the bottom of 9th inning, then I accepted, he promised his wish and finally helped us win the champion. I’ll not forget the contributions by Ibata and Iwase.”

Retrieved from “https://en.wikinews.org/w/index.php?title=Chunichi_Dragons_win_the_2007_Konami_Cup&oldid=665659”

Importance Of Business Signs

byAlma Abell

One way of grabbing the attention of your customers and increasing visibility is with a sign that is prominently displayed. You can create an instant impact by having your company name and logo installed on the wall of your business. Signs play a key role in the success of any business.

Branding your office or business space is important if you want to appeal to your potential clients. Whether you sell products or services, using a visually appealing sign in Anaheim to show off your brand can be an indication of your professionalism. Not only does it allow you to stand out of the competition but it gives you more access to clients and employees. Interior signs can be customized to match the style of your office and thus make the space more appealing.

When potential customers visit your business or office, it is important for them to easily find their way around. One of the best ways of guiding them to the area that they intend to visit is by the use of directional signs. This will not only save them time but it will ensure that they do not feel annoyed or frustrated. It will also reduce the amount of time that your staff will spend showing directions. These signs should clearly indicate conference rooms, stairways, restrooms, exits and other key area in your business. This will make your office more convenient and improve the safety of your customers and employees. With clearly defined exits, it can be easier to evacuate the building in case of an emergency.

Outdoor signs are placed outside the business premise to alert potential visitors of your location. This is a great way of advertising your brand and attracting more customers. Whether it is car graphics, neon signs or vinyl advertising banner, you can put the word out there concerning your products, services or even upcoming event. Compared to other advertising channels such as radio and TV, signs are cost effective and can help you save money.

In order for the business signs to be effective, it should be unique and eye catching. It should be visible and reflect your brand. If you are looking for a great sign in Anaheim for your business or event, you should click here.

2008 Taste of Taiwan Cuisine features three shows for food and packaging industries

Friday, June 20, 2008

The third annual Taste of Taiwan Cuisine opened on Wednesday of June 18, 2008 and runs until June 21. Organized by Taiwan External Trade Development Council to promote the culinary culture of Taiwan, the tradeshow featured three main shows for food and food packaging industries: “Food Taipei”, “Foodtech Taipei”, and “Taipei Pack”.

Twenty-seven countries including United States, South Korea, Canada, Japan, Sri Lanka, Austria, Philippines, Chile, Malaysia, Spain, Fiji, Poland, and six nations from Africa, grouped their own national pavilions for sourcing and procurement. In addition, the Taiwan Pavilion featured sections on culture, product image, brand design, and agriculture verification in Food Taipei.

Industrial solutions including medical applications, packaging machines, food CNCs, and bar-code printers are showcased in the “Foodtech Taipei” and “Taipei Pack”. Seminars and forums from security, global marketing, and policies for food, machinery, and packaging industries are also held during show hours.

After the 3-in-1 show in Taipei, the Kaohsiung International Food Show will be scheduled for November.

Retrieved from “https://en.wikinews.org/w/index.php?title=2008_Taste_of_Taiwan_Cuisine_features_three_shows_for_food_and_packaging_industries&oldid=1985312”

Credit Metrics The Foolproof Key To Handle All Credit Transactions

By Sam Miller

Credit Metrics is a method of reigning in credit risk by modeling changes in credit ratings portfolio. This implies a propositional change in value of the holdings. Credit metrics tries to construct that is not readily observable, which is the volatility of value due to changing credit quality. This approach renders credit metrics more of an exercise in proposing models and which explain the changes in credit related instruments. More than often the models that best describe credit risk don’t rely on the assumption that returns distribution is imperative.

Credit metrics is basically a framework that helps to quantify credit risk on portfolio of everyday credit products. This includes loans, commitments to lend, and market -driven instruments which are vulnerable to counterparty defaults. The sound of knowledge of Credit metrics enables you get a transparent depiction of credit risk. Transparency and effective management share a direct proposition and usually goes hand in glove. The common crisis that has been plaguing the credit risk measurement is the absence of a common point reference. The multiple approaches to measure of credit risk render them practically incomparable.

Credit measure and Credit metrics are often misinterpreted to be the same. When we refer to a measure we are actually assigning a number to something. A metric on the other hand is how interpret that assigned number. A simple example would be that of calculating a person’s height. Let’s ay it measures to 5.1 inches, the inches is the measure of the person’s height and the, “height” is the metric.

[youtube]http://www.youtube.com/watch?v=ezvmM-mWOCE[/youtube]

Although credit metrics and risk metrics are similar in many ways they are not the same. The primary difference between the two is that risk metrics presents an loads of daily liquid pricing data which can be easily used to construct a model of conditional volatility. On the other hand credit metrics offers relatively less and sporadically priced data for constructing a model of unconditional volatility

The recovery of a claim remains unknown until an obligor defaults. Credit metrics on the other hand models recovery by using a beta distribution. A beta distribution is characterized by a mean and standard deviation. The recovery of the distribution is affected by changes in parameters as demonstrated by the beta distribution spreadsheet.

In credit metrics the changes in value is not only influenced by chancy default events but also by the upswings and downswings in credit quality. Credit risk also addresses the value-at-risk (VaR) which is basically the volatility of value and not just the expected losses. It makes sense to address the co-relation of credit quality fluctuation across obligors as it allows you directly calculate the potential over -concentration across the portfolio.

Modeling transitions for a single name is pretty simple. If one has an idea of the probability to each state, then he/she can approximately simulate a transition corresponding to each state by observing a random uniform variable. The transition can be made by basing on the outcome of the random uniform variable. The glitch is when there are multiple correlated names in the portfolio.

About the Author: If you are interested in

credit metrics

, check this web-site to learn more about loan metrics.

Source:

isnare.com

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NHL: Penguins to remain in Pittsburgh

Tuesday, March 13, 2007

Pennsylvania governor Ed Rendell announced Tuesday morning that a deal had been struck between state and local officials and the Pittsburgh Penguins hockey franchise. The Penguins organization will formally announce the deal tonight, prior to the Penguins game against the Buffalo Sabres at the Mellon Arena. The deal will ensure that the Penguins will remain in the city with a 30 year lease on a new arena to be built in downtown Pittsburgh. The framework of the deal was constructed in an emergency meeting last Thursday in Philadelphia, when both government and franchise officials indicated that progress had been made, with the details laid out over the weekend. With the new deal, the Penguins organization would be expected to pay $3.8 million per year, as well as $7.5 million per year from both Don Barden, owner of Majestic Star Casino, and the state economic development fund. The Penguins organization has also been given the option of building a parking garage on property of the Pittsburgh Sports Authority between Centre and Fifth avenues, by contributing $500,000 per year.

The new arena is expected to cost approximately $290 million, and should be completed and ready to host hockey games by 2009. The Penguins will sign a temporary lease to keep the team at Mellon Arena until the new building is finished.

Retrieved from “https://en.wikinews.org/w/index.php?title=NHL:_Penguins_to_remain_in_Pittsburgh&oldid=4576314”

Police report drug haul seizure worth up to £30 million in Brownhills, England

Monday, December 2, 2013

Police in the West Midlands in England today said nearly 200 kilograms worth of drugs with value possibly as great as £30 million (about US$49 million or €36 million) has been seized from a unit in the town of Brownhills. In what an officer described as “one of the largest [seizures] in the force’s 39 year history”, West Midlands Police reported recovering six big cellophane-wrapped cardboard boxes containing cannabis, cocaine, and MDMA (“ecstasy”) in a police raid operation on the Maybrook Industrial Estate in the town on Wednesday.

The impact this seizure will have on drug dealing in the region and the UK as a whole cannot be underestimated

The seized boxes, which had been loaded onto five freight pallets, contained 120 one-kilogram bags of cannabis, 50 one-kilogram bags of MDMA, and five one-kilogram bricks of cocaine. In a press release, West Midlands Police described what happened after officers found the drugs as they were being unloaded in the operation. “When officers opened the boxes they discovered a deep layer of protective foam chips beneath which the drugs were carefully layered”, the force said. “All the drugs were wrapped in thick plastic bags taped closed with the cannabis vacuum packed to prevent its distinctive pungent aroma from drawing unwanted attention.” Police moved the drugs via forklift truck to a flatbed lorry to remove them.

Detective Sergeant Carl Russell of West Midlands Police’s Force CID said the seizure was the largest he had ever made in the 24 years he has been in West Midlands Police and one of the biggest seizures the force has made since its formation in 1974. “The impact this seizure will have on drug dealing in the region and the UK as a whole cannot be underestimated”, he said. “The drugs had almost certainly been packed to order ready for shipping within Britain but possibly even further afield. Our operation will have a national effect and we are working closely with a range of law enforcement agencies to identify those involved in this crime at whatever level.”

Expert testing on the drugs is ongoing. Estimates described as “conservative” suggest the value of the drugs amounts to £10 million (about US$16.4 million or €12 million), although they could be worth as much as £30 million, subject to purity tests, police said.

Police arrested three men at the unit on suspicion of supplying a controlled drug. The men, a 50-year-old from Brownhills, a 51-year-old from the Norton area of Stoke-on-Trent in Staffordshire, and one aged 53 from Brownhills, have been released on bail as police investigations to “hunt those responsible” continue. West Midlands Police told Wikinews no person has yet been charged in connection with the seizure. Supplying a controlled drug is an imprisonable offence in England, although length of jail sentences vary according to the class and quantity of drugs and the significance of offenders’ roles in committing the crime.

Retrieved from “https://en.wikinews.org/w/index.php?title=Police_report_drug_haul_seizure_worth_up_to_£30_million_in_Brownhills,_England&oldid=2611781”

Reusable Menstrual Cups Can Save You Money

byAlma Abell

If you calculated the amount of money you spent annually on tampons and pads, you’d probably be shocked at the thousands you invest over just a few years. With the cost of products going up each year, you either need to rely on coupons to save money or find an alternative option to disposable pads and tampons. Reusable menstrual cups are a great option for women looking to save money but want something that provides the same level or better of protection and comfort.

Investing in Reusable Menstrual Cups

The Benefits of a Reusable Cup

Some disposable products cause women to have rashes or infections, which requires the purchase of creams or ointments to help the healing process. With reusable menstrual cups, you don’t have chafing, the risk of toxic shock syndrome, or dangerous chemicals rubbing against your skin for one week out of every month. You also save money because you don’t need to buy creams or ointments to fight rashes or infections.

The cups work just as well, if not better, than disposable products. You can swim, play sports, wear a bikini, ride a horse, or just lie around the house and not worry about the cup slipping or leaking. It doesn’t show through clothing, so you can comfortably wear your cutest jeans or a dress without worrying about any sort of bulk or outline showing. The silicone material makes it suitable for every woman, even those with latex allergies. Visit sckooncup.com to experience how a reusable cup can change your life. You’ll not only enjoy the product but appreciate the savings, too.