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Cheap Travel Agents – Are They the Best Way to Save on Your Travel Plans?

With the advent of the internet it has become a little easier to find cheap travel agents. The traditional agents now face fierce competition because customers are saving money by booking direct with airlines and hotels on the web. Competition has also increased through smaller agents operating solely online. Such companies are usually operated by just one person so overheads are very small.

When looking for cheap travel agents it is important to do your homework and exhaust all options before deciding which one is giving you the best deal. Make sure you are aware of any hidden costs and commissions. Another important factor is making sure the travel agent you opt for is fully bonded. One trick is to find the best deal and then visit your high street agents to see if they are prepared to offer you anything better. Though, sometimes success with this strategy can be limited to certain times of the year.

Not as many people bother with the traditional high street agents anymore because of the internet. This can sometimes be a mistake especially because there are many cheap travel agents on the high street who also offer discounts on other services such as scuba diving lessons, ski lift passes etc. Not only could this save you money but also a lot of time and research as they do all the legwork for you.

It is true that many savings can be made by spending time to search for cheap travel agents but remember such companies do need to make a commission with every vacation they sell. Remember to check airline rates and hotel rates separately to see if you can save that way.

Of course the best way of saving money is if you have a friend or relative in the travel industry who is willing to let you know when any deals with massive savings become available. Not everyone is so fortunate though but I am sure if you are polite enough most travel agents will keep your name and telephone number and will call you with any deals they think might interest you.

Small Business Financing Options

4 types of viable small business financing

Many small businesses face the prospect of going under if they are not able to secure good financing. The need for quick cash injections to keep a small business running can continue even after the first few loans are acquired. However, with each loan taken it becomes increasingly difficult to get a new loan approved. Also, the number of banks and financial intuitions who are willing to lend money to small businesses are rapidly shrinking.

A regular small business loan from the bank

Before you go anywhere else the first place you should go to is your bank. Banks offer some of the best small business loans which can be used as startup capital or to further expand your business. However, your proposal needs to appeal to the bank in a way that helps them feel that giving you a loan is a worthwhile investment. If you’re just starting out your business plan should go into detail about your business and your experience. This will help the bank understand your industry and how effective you can be. Banks will also require the following details from you:

• Cash flow projections which tells them how they will get paid back and when. These should be honest figures.
• Make sure to add personal financial statements.
• If possible add past business tax returns. This will show how exactly your business has been doing.
• You need to have good credit rating to be trusted. Even though this is a small business loan but you are getting the money. Make sure to add your credit report to the file you send as part of your loan request.

Try finding micro-loans

If you are not able to acquire a regular small business loan you may try to get a micro-loan. Micro-loans allow you to borrow up to $35,000 and they are easier to get. Micro-loans work great as small term capital and for equipment purchases. Because micro-loans may require collateral the best use for it is equipment purchases since then the equipment can be put up as collateral.

Short term supplier credit

This type of loan clearly does not work for every business. So, if you’re not a retailer or a manufacturer then you’ll have little use for it. You’ll usually need to pay back this type of loan within 30 to 60 days. However, you should be aware of the fact that the interest rate on short term supplier credit is very high.

Instant small business loans

Also known as quick cash loans and quick cash advance loans these work great for businesses that are not able to find a loan anywhere else. It is also great for businesses that do not have the required assurances to secure a regular small business loan. These types of lenders will usually process your request within a few days and deposit the amount into your account. In most cases you can apply for the loan directly from the lender’s website. However, because the lender is taking a higher risk of lending you money without due diligence the interest rate is slightly higher than what banks offer.

Online Education Made Easy And Fun For High School Students

Learning should be fun, but this is not true in all situations. The SSC and CBSE syllabi are quite comprehensive making it hard for students to have any fun while learning. With everything going online nowadays, there is a possibility of delight through instruction. This can be done through education-based sites. Online education is handled in such a way that apart from helping children realize their dreams, they gain access to quality education that is presented in an engaging and fun manner. Learning becomes interesting for the students and easier for parents as well.

The Features

The sites that offer online learning come up with educational videos, examinations and class notes. They all contain comprehensive educative content to make sure that high school students get only relevant and important information. To keep the student motivation running high, integrated game mechanics are incorporated into the experience. Gamification in form of levels, badges and points motivate the students to aim higher and higher to enjoy credits. It is always easier for students to learn when they have targets and goals and this feature does just that for them.

With online education sites, students enjoy an online learning platform complete with examinations, class notes, videos and analytical tools that assess skills for success. The platform is a device agnostic making it possible to gain access using a tablet, computer or a mobile phone. This means that students can learn anywhere and at anytime. The analytics are easy to understand so that students can identify their strengths and at the same time eliminate their weaknesses.

The gamification feature of online education is probably the most outstanding. It is a form of motivation that every student is bound to enjoy. The badges, levels and points keep the motivation levels high and therefore students give their best to get the rewards. Besides individual learning, the platforms offer collaboration possibilities so that students can handle group tasks as a way of honing team-building skills. They also take part in competitions such as regional, state and national level examinations.

The Benefits

Online education has benefits for parents, students and schools.

Parents can spend more time with their children and have quality education delivered right at home. They also get reports to help identify the strengths and weaknesses of their children and remediation reports to guide children on eliminating their weaknesses.

Students, on the other hand access integrated CBSE and SSC syllabi and content developed by the best teachers in each field. The content is diverse and easy to understand and examinations give instant results including badges and scores.

Schools gain rich reports and analytics to customize study plans for every student and get performance reports for every class as well as detailed assessment reports for topic levels so that gaps can be identified and remediation classes organized. School performance comparisons with competitors can also be enjoyed.