Cheap Car Insurance For Damaged Cars

Car insurance varies depending on various factors such as the price of the car, the purpose for which it is being used, capability of the driver, own or rented car, safety features of the car, etc. It is recommended to go for the best insurance quote that would cost less to the car owner, yet gives all the benefits of auto insurance. There are many so called cheap auto insurance agents in the market who promise to offer low premium insurance quotes.

Preliminary requirements for car insurance are:

• The car should fall below a stipulated number of miles

• It should have been manufactured after a particular date and be of a certain level

• Do not be gulled into believing that the car has none but scrap value; be sure to get a second opinion

Several insurance agents offer low auto insurance premium quotes compromising with the benefits the car owner would get in case of an accident or damage to the car. For example, the insurance premium would be high for rented cars and one may not rent a car if the driver is not willing to pay the insurance premium. The premium for rented cars is high because there may be individuals who wouldn’t drive a rented car as carefully as an owned car.

Used cars attract better auto insurance premium as the damage may be higher in an accident to used car. The damaged cars should also be insured properly to avoid lesser payout if met with an accident. For brand new cars, the auto insurance has to be taken considering all the features like the airbags in the car and other safety features apart from the driver’s profile of the car. Check out for more details on auto insurance quotes on the website.

Damaged vehicle insurance can be easily to find as it is easily available from several top insurance providers. You can also get cheap auto insurance for your damaged vehicle, simply because the liability coverage amounts remain about the same. Most difficult part is to get comprehensive coverage. Most of the insurance firms won’t offer comprehensive coverage on damaged cars, in case you find a firm that offers, you will notice a huge jump in premiums.

So, it is better to work with a licensed insurance broker, who is familiar with the ins and outs of the several insurance companies in your locality. Hey can help greatly in finding a company that fits with your needs. Consulting a broker is a great source for various insurance problems.

Car Insurance Coverage Makes Sense to Have the Right One

Most people look at car insurance as a burden, one that they have to bear because of State insurance laws. They buy the bare minimum state mandated liability coverage to stay legal and carry on driving, assuming they are completely covered in case of a mishap. Yet others start with buying multiple car insurance coverage, and over time decide they need to save money, which can be done by cutting on certain coverage. The rude awakening comes when they get into an accident where they are at fault, or have their car stolen or damaged, and realize their policy did not include the necessary car insurance coverage to cover any of these events. A little bit of planning and foresight can help avoid such situations.

Car insurance isn’t rocket science, and all it takes is some understanding of the basic function of each car insurance coverage and then deciding if it’s really worth investing in or not. This is especially true if you have an old beat up car. Would you rather pay for comprehensive and collision insurance and the deductibles as well (at the time of claiming), or does it make more sense to simply go without, and save the premium and deductible money in an emergency fund for your car? Insurance is a gamble and you pay for the peace of mind from knowing that in case of an eventuality you are covered. You may or may not need to use it.

Liability or third party insurance is another area where you need to consider the particulars of your location, the driving skills of the other drivers using the car, and your financial capability to pay the other driver for any damages you might have caused, in case you are found at fault in an accident. If you drive long hours, on congested roads, or if you have a relatively inexperienced driver also driving this car, you might consider keeping a high liability car insurance coverage. TX car insurance laws for example, ask for a minimum liability of 30/60/25 starting January 2011. One in five people in TX are uninsured, so while you want to be sure you get adequately compensated in case of an accident, you might also want to buy Uninsured Motorist/Under insured Motorist coverage if you live there.

Umbrella insurance is one of the most under rated car insurance coverage. It’s actually a very smart way to increase your liability coverage and comes in handy in case of potentially bankrupting lawsuits. You don’t want to have to pay out of your pocket in case your car hits a school bus full of kids and hurts somebody seriously or ends up totaling a high-end luxury car. It doesn’t cost too much to get $2 million umbrella insurance, and it kicks in only when the upper limits of your liability coverage have been exhausted.

Gap insurance is a good option to invest in if your car is not fully paid for and you still have to make most of the payments. In case your car is totaled, your full car insurance coverage will only pay for the car’s blue book value which factors in its depreciation amount, whereas you will still need to pay your dealer the balance installments for the car, making you upside down on your payments. Gap insurance fills this gap and helps you pay off the balance amount. However, investing in gap insurance is only recommended if you still owe most of the money on your car.

PIP or no fault coverage is mandatory in some states while it isn’t available in others. However if it is available in yours, it’s a good option to look into, after reviewing your health insurance policy. Personal Injury protection coverage takes care of medical, work loss, funeral, survivor’s loss and other maintenance expenses incurred post an accident regardless of who is found at fault in the accident; a good car insurance coverage to consider as it takes so many factors into consideration while calculating your claim account.

So next time you decide to buy yourself just a minimum liability car insurance, think twice. The liability coverage will only compensate others for injury or property damage caused by your car; it will do nothing for you. Also look at the other car insurance coverage and try to strike a good balance of rates and coverage to give you better protection in case of an unforeseen eventuality.

The Car Insurance Basics

Trying to understand the ins and outs of car insurance is a tricky undertaking. This is no coincidence as insurance companies deliberately make policies complex in order to ensure that they have a number of escape clauses that could save them the cost of paying out claims. An insurance broker is an insurance professional who can help explain the details of a specific car insurance policy to you, but there are also more general snippets of information that can help you secure the right insurance.

Do not ignore the add-ons

Most car insurance policies come with optional cover items like roadside assistance, replacement car rental and gap cover. These add-ons typically do not cost much more than the base cover, but could save you a lot of money. For example, if you have an accident and your car is unavailable for a week while repairs are being done, you will need to find alternative means of transport for that period. If you do not have another vehicle and using public transport is not an option, then you will need to pay for a rental car. The cost of a rental car for one week could be almost as much as six month’s worth of car insurance premiums. Paying a little more could save you a lot in the future.

Prices vary from company to company

Just like with any other product or service, unless one company has a monopoly, insurance premiums will vary from insurer to insurer. Car insurance is a highly competitive business and insurers provide different types of policies and different levels of service. Some insurance companies target specific groups like the women-only type insurers. They provide discounted insurance policies to these groups in order to attract them as clients. The important thing to do is to shop around. Getting insurance quotes from various insurers has become easy since the advent of the insurance quote comparison websites. A traditional insurance broker will also be able to source comparative quotes for you.

Your car’s profile affects your premium

Insurance companies collect and compile vast amounts of data about you and your vehicle in order to accurately assess your risk. The model of car you drive carries its own set of data which insurance companies use to determine premiums. Accident statistic data is one example. The number and frequency of accidents involving your car model will be used by insurance companies to determine your premium. Another example is if you drive a relatively cheap vehicle model, but it is not very popular and replacement parts for it are expensive then your insurance company will charge you a higher premium. Also, if you drive a car that is extremely safe and protects occupants in accidents then your insurance company will give you a lower premium. Crime data is collected by insurers for various car models and the risk of theft is calculated in order to determine your premiums. All of these factors and more are used to profile the vehicle you want to insure and set your premiums.

So how is knowing this useful to you? Well before you buy your next car, do some research and get quotes for all the models in which you are interested. It will give you a good idea of which models are cheaper to insure. This may influence your decision of which one to buy.

Comprehensive Car Insurance

Thanks to advances in technology, shopping online has now become a common practice among consumers. Insurance quotations are also available from most of the major insurance companies. It is now possible to obtain competitive car insurance quotes on the internet with the click of a button. Car insurance brokers also have online connectivity with the major insurance companies in Dublin so it is possible to walk into a broker and have immediate access to comparative car insurance quotes.

Every driver is now looking to find the cheapest car insurance quotation and do their best to save some money. With this in mind, some research should be carried out before committing to any one car insurance company. It would be useful before going online, to talk to other car drivers, like colleagues and friends, to learn about their experiences with their car insurance brokers. A balance needs to be struck between the cover you are offered and the premium you are prepared to pay.

Next time you decide to change your car, it would be a good idea to establish which cars and engine sizes attract lower premiums. In the UK, cars are graded into different groups for car insurance purposes. The group classification is decided by the value of the car, the engine size, and the safety features of the car among other criteria. An example of a Group 1 car would be the Toyota Varis or the Citroen C2. On the other end of the scale an example of a Group 20 car would be the BMW 7 Series or the Mercedes Benz CLS. There is a huge gap between the insurance premiums for a Group 1 car as opposed to a Group 20 car.

The next thing to consider is what type of insurance you require. The two most common types in the UK and Ireland are Fully Comprehensive and Third Party Fire and Theft.

Fully Comprehensive car insurance typically provides you with the most cover depending on the insurance company. The policy document should be carefully examined before a commitment is made. Generally, comprehensive insurance will cover the following:

· windscreen replacement

· repair or replacement of your car following a collision

· compensation if your car is stolen

· injury to you or third parties

· rental of a car while your car is being repaired

· damage to a car or property belonging to a third party

Third party fire and theft car insurance is much cheaper than comprehensive and the cover level is considerably less. However, many drivers opt for this cover, especially those looking for cheap car insurance.

A typical Third Party Fire and Theft policy will include:

· damage to a third party car and this excludes damage to your car

· injury to third parties

· repair or replacement of your car in the event of a fire or if stolen

Another factor to remember is that the use of the car will have a bearing on the cost of the car insurance. It is important to clearly state whether the car will be used for personal or business uses.

The main category for personal use is called Social, Domestic and Pleasure. It is important to establish with your insurance provider if this type also covers commuting to and from work.

Keeping Upholstered Home Furniture Clean and Presentable

Aside from regular cleaning, the simplest way to maintain the furniture in your home in its most presentable and serviceable condition is to use them with as much care as possible.

In households that have young children and pets, this can be a very challenging task. Chairs, couches and sofas are meant to be sat on – not stood on or jumped on. It is not a venue for rough housing with the family dog. Nor is it for wiping popcorn buttered hands on. But unless you’re maintaining a spinster lifestyle, inevitable mishaps like stains and spillages cannot be avoided.

To maintain furniture upholstered in fabric, it is best to do spot-cleaning as soon as an “accident” happens. Just spray on and scrub in a cleaning solvent on the stain and wipe off with a dry cloth or paper towel. For dust and grime that seem to settle in the fabric from normal daily use, home shampooing on a regular basis is recommended.

Leather and vinyl only need to be wiped clean with a sponge dipped in a soapy solution. Use a soft bristled brush to get stubborn grime off if necessary. Wipe off with a soft dry cloth. Leather needs to be moisturized to retain its sheen. In lieu of commercially available leather moisturizers, colorless shoe polish may be used. Apply the polish evenly, then buff and polish thoroughly. On the other hand, oil-based products should never be used on vinyl as these may cause the material to become brittle.

To avoid nicks, scratches and snags, make sure the furniture have ample space around them. Do not place them flush against the wall or other furniture unless they were designed to do so. Maintain a fair distance from heating vents and direct sunlight. Try not to eat messy, dripping food around upholstered furnishings. Otherwise, be prepared to soot-clean right after your meal.

Of course, hiring a professional cleaning service is always the best choice. Most services have a pick-up and delivery option. Some services will clean your furniture right in your home. If the cleaning required is a hefty task, like a major spill on light-colored upholstery, these are the people to call. They’ll know what cleaning agents or solvents to use that won’t damage the fabric’s design and color. But still, unless your home furnishings are the expensive heirloom type or made by a known designer, these services may also cost a paltry sum.

Learning English in an English Speaking Country

Those of you who have spoken to fluent or native English speakers will have heard them tell of the benefits of learning English in an English speaking country. The advantages of this are obvious. Providing you live with, or have daily communicative contact with English speakers, there is no doubt that this will enhance and speed up becoming a good English speaker. You will find yourself in typical everyday situations, where you need to understand and communicate in English. You are likely to find yourself in embarrassing situations, where you make mistakes, frequently misunderstand, or fail to understand completely. This can often lead to frustration and create an urge to try harder and commit more time to learning English. This can often have very effective results.

Learning English in a non English speaking country

Sometimes, learning English in an English speaking country is not possible. Instead, you have to do it whilst remaining in your home country. However, the results are often somewhat different. Input is often restricted to what you are exposed to in the classroom. Progress can often be slow and you will often find enthusiasm wanes after the novelty has worn off. This is because outside the classroom, there is no need to converse in English. The closest you get to this is through completing your homework, but often you will find this becomes a chore. Unless you are blessed with dogged determinism and enthusiasm, many of us will forget all about learning English until we step into the classroom again the following week.

Other benefits of learning English in an English speaking country

Not only does learning English in an English speaking country improve your general language learning experience, it also exposes you to other important factors attached to language learning. This includes the culture, the people and the overall functions of how certain countries do things. You will become familiar with the food people eat, when and how they eat, how people spend their free time, what people choose to spend their money on and how much things cost. The list is endless. It can provide you with an opportunity to really see how English speaking people live and provide you with an opportunity to see if you would like to live and work there yourself either permanently or temporarily in the future.

Making English speaking friends

If you spend a lot of time learning English in an English speaking country, you are very likely to make friends with native English speakers. You will go out with them, eat with them and experience all the things that they experience in their daily lives. This kind of interaction is especially good for learning the more informal aspects of the English language, like accent and dialect, proverbs and other “-ism’s” found in the English Language. You are only likely to learn these if you hear them spoken by a native speaker and are comfortable enough to ask what they mean. This is a very important part of becoming a fluent English speaker, as there are hundreds of these that are used frequently in everyday conversation among native speakers.

How to learn English in an English Speaking Country

Many of you will be thinking this is easier said than done. Going abroad costs a lot of money, and even once you’re there, issues of where you will stay and what you will do whilst learning to speak English will be on your mind. Fortunately, there are many schemes in place to facilitate this process.

8 Different Ways Different States Treat Divorce

You’re thinking about divorce – maybe you need to give some thought to where you live. Divorce laws differ widely from state to state. Here are 8 examples that will show you just how different divorce laws can be.

  1. Want To Get Out Of Paying Alimony? Well, if your spouse has been unfaithful, you want to be living in Georgia. Georgia law allows adultery as a bar to paying alimony. Make your case and alimony will not be awarded.
  2. Want To Get Even? Let’s get back to that unfaithful scenario. In 7 states you can still sue a homewrecker for “alienation of affection” if another person has stolen your spouse from you. New Mexico, Illinois, Hawaii, North Carolina, Mississippi, Utah and South Dakota are where you want to be if you want to sue. In some of those states, the name is “criminal conversation”.
  3. Want A Fast Divorce? You may think that Nevada is the state for a quickie divorce. Think again. In New Hampshire you can be divorced in a single day. You both just cross the border and stay in New Hampshire – that’s taking up residence. There’s no minimum processing time or minimum residency requirement. You can “move” to New Hampshire on Wednesday and file on Thursday and be divorced.
  4. Not So Fast? Then try Vermont. In Vermont, you have to have been residents for at least a year. You must undergo a six-month separation, living apart during that time. Meet those requirements and the judge will grant the divorce. But, wait! It’s not final for another three-months!
  5. Find Fault In Idaho. If your spouse is a boozer and you’ve had enough. You can file for a fault divorce on the grounds of habitual intemperance.
  6. Murder She Wrote – Or He Wrote. If you want grounds for a fault divorce in Tennessee, you just have to show that your spouse has tried to murder you “by poison or any other means showing malice.” Yikes!
  7. She Has A Headache Or He’s Not In The Mood. And, that can be ground for a fault divorce in North Dakota where “persistent refusal to have reasonable matrimonial intercourse” lets you file for a fault divorce.
  8. Still Seeing Each Other? In Delaware, a divorcing couple can continue to live together, but they must be in separate bedrooms. However, sex is allowed if it I an effort “to achieve reconciliation”.

You can see how different divorce laws can be – and that’s one reason why you want an experienced divorce lawyer on your side. You want an expert divorce attorney who understand the laws in your state and can help you make the right decisions within those boundaries.

Tips to Arrange Your Home Furniture

We all use furniture in our house, but only few of us know how to arrange the furniture for perfect appearance. Here, I am going to discuss some tips on how to arrange home furniture.

Tips:

Measurement: Before going to arrange the furniture, first you need to measure the room and hallways, stairs, etc. Measurement tapes can be used for it, but if you do not have it, you can measure by your foot. This thing must be taken in consideration even before the purchase of the furniture.

Variety: Though many people do not agree it, but I would say that adding different variety furniture in single space gives it a more pleasant look. It actually adds a visual interest to the space. You can try variety in colors, shapes of furniture, etc.

Use of Scaled Pieces: Scaled pieces are good to create balance. When used together, they not only add serenity in the room, but also help in creating a harmonious atmosphere in the room.

Furniture Balance: Balance within furniture items are generally of two types: symmetric and asymmetric. Symmetric arrangement means the use of similar kind of furniture together while asymmetric arrangement is the use of two different kinds of furniture next to each other.

Think like an Artist: Use an artistic approach to design the room. Think like a painter, make a rough sketch of the room as you want to see it, and process to design. For help, you can visit the internet for some good interior design pictures that will help you in creating an imagination.

Analyze the Depth in Artwork: This is also an important factor that can be used to choose the proper interior of the room. Take your room as an artwork and analyze its depth. To do that, you can stand at the room entrance and then look into the room near-to-far. This will give you an analysis of the depth of the room.

Divide and Arrange: if your room is much bigger, you can take it as smaller parts and then design each part separately. You can arrange furniture in each part according to need, but you should make sure the completeness of the room when different parts are viewed together.

Completeness: While making furniture arrangement, you must also make sure the completeness of the arrangement. Your furniture must perfectly comply with the interior of the room and they must form a completeness altogether.

Creating Various Fashion Styles With an Ideal Purse

It is undoubted that a fantastic purse can help to set a woman apart from the others in the crowd in a great way. Usually, the most suitable purse for us is not necessarily the most fabulous one, but the one that agrees with our own styles and personality. With an ideal purse, we can be inspired to create various fashion styles, exploring as many possibilities in the purse as possible. Thus, it is vital to select the right purse.

Considering the relationship between the purse and your body figure, you should pay attention to the shape and size of a purse to see whether it can flatter your body figure well or not. Generally speaking, a wide purse with a long strap can be an ideal choice for women who have big breasts and hope to draw attention away from the chest. For petite women, small sized round purse can be great. On the other hand, the way you carry the purse can also affect how your body shape look like. For example, if you want to look taller, then you should choose a bag that hangs lower than your waist.

The color is also a key factor that you should think about when choosing a right purse. If you are good at color matching, you must have paid great attention to the choice of accessories’ colors, which play an important role in creating a wonderful fashion style. When you pair the same clothes with purses in different colors, as a result, you can get all kinds of interesting and exciting styles.

You can get a lot of fun by exploring the many possibilities of the purse in creating various great fashion styles. However, not every purse can display the potential to match all kinds of ensemble, but only the one that suits you most can provide such a potential.

Delicate Home Furniture

Assessing the values of delicate home furniture

Sometimes the home owner might make the decision to purchase some modern home furniture such as the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet. This piece of furniture will make meals the occasions that they need to be. That means that if you are entertaining there is no need to worry about the kinds of things that you are going to use. The efforts can be saved for the other items such as cutlery and cooking utensils. The use of the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet is therefore a great achievement for the home owner.

This type of furniture will cost somewhat more than the standard items that you use in the home. It is an investment in the kind of lifestyle that you wish to create for your family. It is reasonable to expect that you will get the best quality when you decide to go for the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet. In the true style of the age, this is a system that tends to work very well with modern settings. You simply configure your home in the way that you want it and then wait for the results. You are almost guaranteed satisfaction when you purchase the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet.

The homes that decide to buy the item will be please by their purchase of the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet. It is a delicate balance that includes looking at the item and then trying to fit it within the home settings. If it appears that the furniture is not going to make the grade then the clients can try to find alternative solutions. The end result is that the furniture is merely one of the choices that they can make. Using this sort of set will ensure that you are well served by the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet.

Some people might be concerned about using the item because they believe that purchasing the item will cost them too much. For it is not worth it to buy the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet. They would rather spend the money on alternative projects from which they can expect some sort of compensation in the long run. This might be the wrong way to go about things because the purchase of the item is not about money. Cost are not too important when buying the supremely elegant black dining room dinette set that is available in home furnishing shops and on the internet.

Summer Hip Hop Music 2013

Get ready for the newest hip hop releases. Summer 2013 has officially arrived and we’re gearing up to give you the business of the new music artists’ releases!

Now before we continue, let me just make clear that a lot of rumors have surfaced as to exactly what is about to go down during this hot, sticky, and sexy season.

For starters, Lil Wayne’s songs and other new hip hop music releases will be served handsomely on a platter via your local favorite Summertime radio station, that is. Besides, who would’ve really doubted Lil Wayne songs as yet another regulatory bypassing of judgmental fodder for submissive temporary airplay? Not us.

Besides, the boy has been among the top hip hop artists since he killed audiences with those none other than dare I say who? If you guessed TT Boi a.k.a. Sir 2 Chainz, then you guessed right my friends. Remember back in the Spring of ’07 when we all couldn’t wait for the newest hip hop releases? Ever since that historic mind-blowing period for Playaz Circle, 2 Chainz has gone on to become seemingly out of nowhere literally one of top music artists to date.

But that’s not all, because my sources inside tell me that this summer’s newest hip hop music will be an ever so eventful one considering the likes of the classic duo even once more collaborating.

Just in time. Right on the money, huh? Pssst… we hear this one’s aiming to be a classic.

In other rumors of new hip hop music, Rocko’s not at all in any type of a hurry to take a break thus far in getting off of his wave. After all, so is everyone else riding it out along with him. Definitely be on the heavy lookout for one of his brand new music releases around midway through this hot Summer season.

Oh yeah, and for all you doubters and forgetful types out there, guess which hip hop music artist is making a steady and long-awaited comeback? Younger shorties prepare to pinch yourselves accordingly, for you may not know who this is.

Just not too long ago, the former Cash Money record label signee, known to other artists as Young Turk, was released from prison on what had foully appeared to be trumped up felony-related charges upon him and other music artists as of late.

We hear that Turk is currently back in the lab perfecting and fine-tuning his “oh so” Lil Wayne-ish like craft effortlessly for a sharp and secondarily memorable return.

We wish him well.

*On a sidenote, we also heard unconfirmed rumors of Young Turk once again collaborating with his former group mates Weezy and Juvenile for an official Hot Boy’s reunion.

Hip Hop music artists Hot Boys Young Turk and B.G. were both incarcerated due to what apparently led to the former groups fallout, among other unsolved issues. The new hip hop music releases that are slated for this year’s Summer should be on smash to say the least.

Without giving away all of the goods, I must say that fellow west coast artists will become very active once again this Summer in the newest hip hop music scene. Big up to all of the new music releases coming from up out of the new west. As fans, we need a breath of fresh air, for sure and most certainly.

Well, that about wraps up the lowdown on this year’s Summer 2013 annual music artists and upcoming new music releases. Definitely keep an eye out for the west coast as mentioned for the west will certainly provide this Summer’s classic club bangers and newest hip hop music. Turn up!

Bikini Waxing Styles – Waxing Trends and Fashion Styles

What we do about our body hair changes with the trends and fashion just like the length of our skirts. The seventies, it was way cool to just leave your hair natural. If you had a lot of pubic hair, so be it. It was considered sexy. Now, though, it is becoming more fashionable to have less hair – less on your bikini area, especially. And not only is it more common to get rid of hair, there are now several acceptable bikini waxing styles – waxing trends and fashions – from which to choose.

You can choose to keep most of your pubic hair and simply wax the hair that grows beyond the part of your body that is covered with your bikini bottom. This is, of course, the easiest, quickest, and least painful bikini waxing style.

You can also choose to keep just a small strip of hair running right up the middle of your triangular private area. This simply involves waxing more of the area. Because you are getting into a more sensitive area, this can be a bit more uncomfortable than just waxing the bikini line.

You can also choose a Brazilian wax. The Brazilian waxing trend and fashion is becoming more and more common; it’s always been common in Brazil – hence the name – but lots of American women are opting for this, too. A Brazilian wax is the bikini waxing style that removes all the pubic hair. You can get it done at a salon or do it yourself with a kit you can buy at the drugstore.

Probably the most interesting bikini waxing trend and fashion, though, is creating designs in the pubic hair area. You can get a template of a simple design such as a heart and either wax only the heart shape or wax every bit of hair except the heart shape. If you wax the hart itself, you will have a heart in the middle of your hair. If you wax the rest of the hair, you will have a little heart hair and no other hair in the bikini area.

Top 3 Travel Trends For Today's Travel Agent

You must be the change you wish to see in the world

1869-1948, Preeminent leader of Indian nationalism

Trend #1 – The Internet

Everybody knows that the internet has changed virtually everything… especially the Travel Industry. Online giants like Hotels.com, Expedia, Travelocity, and Orbitz have revolutionized travel. Even Travel Agents & Agencies are booking online while the general public searches and buys their own vacations online. In fact, it’s estimated that 82% of all travel is now being booked online. Travel is one of the most researched topics on the internet… and also the most profitable.

The internet is simple, seamless and the perfect medium for the travel industry. We just point, click, and pack our bags. Before the internet, however, an agent’s bread & butter was commissions earned with business travelers… predominantly flights. American Airlines was the first to pull the plug on paying commissions on flight purchases as the internet started coming into its own and more business travelers were finding better deals online.

Since 1997 well over 200,000 agencies went out of business. Over 1 million travel agents lost their jobs to the internet. That number grew after 9/11. The days of brick & mortar very quickly got taken over by click & order, making for a far more efficient system. However, those very few agents & agencies that could foresee the positive impact the internet could have for them, jumped right into the explosive opportunity that the internet introduced, to maintain as much of their client base as possible. Very few, a decade ago, opted to go with the flow of change. Today, everyone understands that the internet is here to stay. When we are adaptable to change, we flourish… and profit.

Because of the internet, the online travel agent is also home-based. Because of the tremendous opportunity, continuous industry growth, and #1 industry training, today’s travel agent is your mother, cousin, aunt, neighbor, best friend, etc. and earning 60-100% of the vendors commission. It’s for everyone.

Trend #2 – Word-of-Mouth Marketing

Word-of-mouth marketing has been and always will be the best way to market anything. Statistics prove that 80% of all vacations (most anything really) are taken because of a recommendation from a friend, family member or co-worker. Think about the last time you came home from a vacation. Did you keep it a secret? No way! We talk about it for 2 months before leaving and talk about it for 2 months after we get back! And we show everyone pictures and videos! And we recommend the destination and hotel to everyone (or not) and tell them where we bought our terrific deal!

Familiarization trips (FAMs) play a huge part in word-of-mouth marketing. The only way for agents to really learn about what they sell is to experience it first hand. FAMs are put together by cruise lines, hotel chains and destinations worldwide. They usually include accommodation, tours, meals, shows, transportation, etc. Prices are slashed making it affordable for agents to travel multiple times a year… VIP!. The vendors roll out the proverbial red carpet for agents when they arrive. They’re given the most exclusive experience possible because vendors know that when agents return home… they’re going to talk about it!

The average person will purchase his vacation online at retail, once a year.

Agents will travel multiple times a year, all over the world as far and wide as they want to go, for pennies on the dollar. For this, FAMs continue to be one of the major perks today for agents in the industry.

Which takes us to…

Trend #3 – Home Based Business

Travel students, Baby Boomers and everyone in between are bringing travel home!

Leading agencies smart enough to follow the internet trend, have gone online and now offer just about anyone the opportunity to be professionally trained to operate and sell travel from home!! Woohoo!! That’s right! YOU can sell travel from the comfort of your own home and get paid!

Doesn’t it make sense that if you’re going to travel anyway (especially as much as the Boomers), that you buy it from yourself and get paid? Or get paid commissions on the trips your friends, family, neighbors and co-workers are taking already? Of course! Most people will do business with someone they know & trust. You may as well be that person, right?

Agencies quickly caught on to the franchise phenomena online and have opened up the opportunity to just about anyone with a valuable work ethic who is willing to learn. Coupled with word-of-mouth marketing… you’ve got a winning combination! The more knowledgeable you become, the more perks, FAMs, FREE trips, upgrades, etc, become available to you… cha-ching!

I’ve been selling travel for years. Everyone who knows me knows that I’m a travel industry professional. For more than two decades I’ve been asked “How did you come by this work?”

But I also get asked, “What’s the best place to go for our honeymoon?” or “Can you recommend a Caribbean cruise itinerary?” or “What hotel should we stay at in the Mayan Riviera?”

Hey, it’s not rocket science!! If I have the answers and I can get paid for the sale… Hello??

The internet made it possible for me to have my own online agency and benefit even more from the extraordinary perks available to travel professionals! Being online means I don’t really even have to be home. Because my business is online, I am accessible to the world, 365 days of the year, 24/7! Friends and family can book all by themselves while I’m hiking with my dog! I can even book flights or all-inclusive vacations right from my BlackBerry!! WOW! So my home-based travel business is really my mobile travel services!! Super cool!!

We must not forget the amazing benefits that come with owning a business from home as well!

Aside from the obvious travel perks, just about every family vacation now becomes a FAM. As professionals, when we take a few minutes to inspect and ask questions about the accommodations, tours, restaurants that we ourselves are experiencing while on vacation, we’re really educating ourselves for our customers. So our personal vacation now becomes classified as a business trip… and an expense that we can write off! Super cool, again!

On a personal note, I’m only 45 seconds from my bedroom to my office!

It’s a beautiful thing to be able to work from home, anywhere in the world, to have your own business and to qualify for such incredible travel-insider perks. Retirees, at-home-moms, students on the run… it’s available to just about anyone with a can-do attitude, has a strong work ethic, loves to learn, and is highly self-motivated. A few hours a day can earn hundreds to thousands of dollars! No bosses, no limits!

A Unified Theory of Time Travel

Albert Einstein’s theory of general relativity suggests that time travel to the past is possible via rotating wormholes and/or black holes. The actual technical practicality of actually carrying out such journeys need not concern us since this essay is in the realm of the thought experiment. Now Stephen Hawking says time travel to the past is not possible because he proposes that there is such a thing as a yet undiscovered Chronology Protection Conjecture that prevents this and thus makes the world safe for historians. I’ve come up with a unified theory of time travel into the past that incorporates Einstein’s general theory of relativity; Hawking’s Chronology Protection Conjecture, along with other assorted bits like parallel universes that are thrown into the mix.

Time travel is a staple in sci-fi stories, novels, films and TV series. And, time travel is possible – in theory. We all know about journeying to the future which we do at the rate of one second per second whether we like it or not. Apart from that, if one travels at close to light speeds relative to your place of origin then you can travel to the distant future (with respect to that place of origin) without aging an equivalent number of years (the twin paradox). Travel to the past is apparently allowed too, via the weird physics inherent in rotating worm holes and maybe Black Holes which is where Einstein’s general theory of relativity comes into play. The problem there is that relativity theory predicts worm holes, if they exist at all, will exist for nanoseconds and be very tiny to boot, and thus not very useful in the foreseeable future for the purposes of time travel. Because we don’t know exactly what the inside of a Black Hole is, and where it leads, if anywhere, current thinking suggests that jumping into Black Holes are a more useful means for committing suicide than for traveling to the past, but the jury is still out on that one.

Anyway, the fun bit about time travel is the various paradoxes that arise, the most famous one being the grandfather paradox. That is, what if you travel back in time and kill your grandfather before he sired your father (or mother). If you did that it means that you could never have been born, but if you were never born you couldn’t go back in time to kill your ancestor. This is the sort of stuff sci-fi authors (and philosophers) love – ditto physicists! My favorite time travel paradox however is the one where you get something for nothing. Say you have this edition of “Hamlet”, and you want Shakespeare to autograph it. So back you go in time to Shakespeare’s era. You knock on his door, but the housekeeper says he’s out for the day but if you leave the book he’ll autograph it and you can come by and collect it next morning. When Shakespeare comes home, he sees the book, reads it, and is so impressed he spends the night making a copy. You come back the next morning, collect your now autographed edition of “Hamlet”, and return to the present day with your now very valuable book. The question now becomes, where did the original “Hamlet” come from? You didn’t write it; but Shakespeare didn’t either as he plagiarized your copy which he then passed it off as his own work.

Another favorite is you meeting yourself. Say you’re 50 and not all that well off. You get the brilliant idea to travel back in time and convince your younger self to invest in some stocks you know will pay off big time later on down the track. And so it comes to pass that your younger self so invests, and becomes filthy rich, only, in leading such a high life, dies of a heart attack at the age of 45! Or you always regretted not proposing to the love of your life when you were young, and thus go back and convince your younger self to muster up the courage and do so. He does, but as they fly off on their honeymoon, the plane crashes with no survivors. Sometimes you don’t know when you’re well off.

Or if you can travel back in time, then of course others can to. Naturally there’s going to be lots of people interested in particular events, maybe even at the time, seemingly trivial events (yet which turn out in the long run to have had major impact(s)). And so you might have any number of people going back to particular historical focal points, each with their own particular agenda (most of which will be mutually exclusive), and ultimately causing havoc. I mean if person one goes back and influences an event producing a new outcome, then person two might go back and has a go at that result and things get altered again, which will then prompt person three to go back and influence things more to his liking, etc. In other words, history would never be fixed, rather always be fluid. The world is not safe for historians. Since we believe that history (or the past) is fixed, then that what’s written on your history book page today will not alter overnight. Thus, you have probably concluded that time travel cannot happen, will not happen, and has not happened, however much you yourself might wish to go back in time yourself and change something. (Don’t we all really wish some past something, personal and trivial, or perhaps something of major significance could be changed and you’d be that instrument of change?)

Its paradoxes and situations such as the above that prompted Stephen Hawking to postulate that there is as yet an undiscovered law or principle of physics which prohibits time travel to the past – he calls it his ‘Chronology Projection Conjecture’. Since we have never seen, according to Hawking, to the best of our knowledge at least, any time travelers – tourists or historians – from our future, he’s probably right.

So, putting it all together, here’s my theory of time travel: my unified theory of time travel, at least to the past.

Relativity theory has passed every experimental test thrown at it, so the theory isn’t in much doubt and one can have a high degree of confidence in what it predicts, even if that prediction is currently beyond any experimental test. Relativity theory allows for time travel into the past, but, IMHO, only to parallel universes (otherwise known as alternative or mirror or shadow universes) where no paradoxes can happen.

Why only parallel universes? The ways and means by which you can use relativity theory to time travel backwards involves rotating Black Holes or wormholes. There are serious reasons behind the speculation that what’s on the other side of a Black Hole and/or wormhole is another universe. So, therefore it’s relativity’s time travel allowance, but probably to another universe. The Black Hole or wormhole ‘exit’ isn’t within our Universe.

Whatever you do in that parallel universe is predetermined. It’s fate. It’s destiny – all because causality rules. Therefore, there are no unexpected ripple effects other than what was destined to happen. You were meant to be there and do what you do. Therefore, there will be no paradoxes arising.

Astrophysicist Stephen Hawking has proposed his Chronology Protection Conjecture that prohibits time travel to the past within your own universe because of the possible paradoxes that could arise. Why can’t you go back in time in your own universe? That would mean that at a specific time and place you both were not (originally) and were (as a result of going back) present. That’s a paradox. And if you were to travel back in time to a set of time and space coordinates you were actually originally at, then there would be two copies of you occupying the same space at the same time – also a paradox.

But take the grandfather paradox. If you go back in time and kill your grandfather, but your grandfather in a parallel universe, then you don’t prevent your existence, just the eventual existence of yourself, your other self, in that parallel universe. In the case of Shakespeare and “Hamlet”, you gave your copy to a parallel universe Shakespeare. In your original (our) Universe, Shakespeare is still the legitimate author.

Once you time travel from your universe A, to parallel universe B, you can’t return again to universe A because of Hawking’s Chronology Protection Conjecture – paradoxes could arise. However, you could go from parallel universe B to parallel universe C, but, hence never return to either universe A or B – Hawking’s Chronology Protection Conjecture again.

Perhaps some people you’ve seen or known or heard about might be time travelers from a parallel universe’s future. If they then time travel to another parallel universe, then that might account for some missing persons’ cases!

In short, we can time travel to other parallel universes but not to our own; entities from other parallel universes can visit our Universe. No paradoxes need arise. Both Einstein (relativity) and Hawking (Chronology Protection Conjecture) are satisfied and happy campers.

Is that right? No, it’s wrong!

There’s still one very nasty loose end here. What’s to prevent those from a parallel universe meddling and altering our time stream? It’s not enough for them to have a Prime Directive against that – we all know Prime Directives are meant to be broken! So, it looks like Hawking’s Chronology Protection Conjecture must apply to those visitors from parallel universes to our Universe as well. I mean what difference does it make to your existence whether you travel back in time within your own universe and kill your mother before you were conceived, or some serial killer escaping from a parallel universe to our Universe who kills your mother before you were conceived – even though in the latter case there’s no paradox, you still wouldn’t have been conceived of here in anyone’s philosophy!

OK, so relativity allows time travel back in time, but only to parallel universes. The Hawking Chronology Protection Conjecture not only prevents time travel paradoxes in general, but it also prevents parallel universe time travelers meddling and altering our timeline; ditto we humans time traveling to someone else’s parallel universe. But how would the Hawking Chronology Protection Conjecture actually accomplish this? My best guess is that parallel universes aren’t in phase – they aren’t polarized or synchronized in-phase like a laser beam, or the light that passes through your polarized sunglasses – otherwise we’d have some rather hard evidence of them; certainly way more than we do now.

So, if we go to parallel universe B or those from parallel universe B visits us, we’ll, or they’d be respectively out of phase with respect to the universe they are now in. Translated, they, or we, could look, but not touch for all practical purposes. I say for all practical purposes as now and again what’s out of phase (high probability – the usual state of affairs) will sync into phase (that’s rare). But the in-phase times are so few and far between, and last for such a brief duration that it’s unlikely to result in any inadvertent or deliberate timeline alterations. That’s my rendering of the Hawking Chronology Protection Conjecture – he could well have other ways and means in mind.

So another way of putting this is that time travelers would be spectral or ghost-like in their host universe, and maybe that’s where our traditions of ghosts and other things that go bump in the night come from! This is much like the parallel universe ghost or shadow photons that are conjectured to explain some highly mysterious aspects or phenomena contained within the famous quantum double slit* experiment. Now an obvious question is how do all the parallel universe ghost photons get into our physics labs where double slit experiments are carried out? I mean there are no local macro Black Hole or wormhole exits present – are there? Yes in fact there are! Not a macro wormhole, but a micro wormhole – actually wormholes. Theoretically, micro wormholes should exist all around you. It’s just that they are at quantum levels – incredible tiny; way subatomic in size. And they exist for just nanoseconds before collapsing. They are just part of the quantum foam** reality at super microscopic levels, a reality at the level where all things exhibit the quantum jitters or quantum fluctuations. Thus, every second of every day, everywhere, there are little quantum gateways – quantum sized wormholes connections between universes which quantum sized particles – like photons – can traverse! From the standpoint of the double slit experiment, it doesn’t matter whether the parallel universe’s ghost photons came from the past, future or present – just as long as they are, indeed, present!

Now you may think it would be easy to detect these ghostly photons. Just put a photon detector in a totally dark and sealed room. Well, not quite so easy. Some photons can pass through ‘solid’ matter. X-Ray photons anyone? Radio wave photons pass through the walls of your home. If you look at a bright light, you’ll still see light even if you close your eyes. So, your photon detector in your dark and sealed room could easily detect our local variety.

The ghostly bits aside, parallel universe time travelers (or even ordinary time travelers from within our Universe assuming Hawking is wrong)) might explain the sometimes uncanny, often incredible look-a-likes that we all seem to have. A long shot to be sure, but something interesting to ponder.

There’s still one more problem on the horizon. Just because a macro Black Hole or wormhole plunks you into a parallel universe (and of course you’ve got to be able to survive the trip itself which might be problematical), doesn’t mean you’re going to be with spitting distance of your ultimate destination(s) – say a parallel Earth(s). So, time travelers might also need more conventional transport – like Flying Saucers (okay, forget the saucers – like spaceships with fins and rocket motors). But then what’s really there to distinguish a visiting time traveler from a parallel universe from say a run-of-the-mill extraterrestrial from within our own Universe? Maybe you could just put out the welcome mat for both options!

One final thought. Could there be a Clayton’s time travel? – Time travel without traveling in time? At the risk of making Einstein turn over in his grave; I’m going to propose a universal NOW across all universes. Now I know that NOW, when it comes to observers, is a relative thing. An observer in Martian orbit sees Mars’ NOW somewhat before you on Planet Earth sees the same Mars’ NOW because the speed of light is finite. And relative motions and velocities complicate what is NOW. But, I propose (a thought experiment remember) to instantaneously freeze-frame the entire collection of universes’ NOW. Everyone and everything everywhere comes to an instant standstill. Right! We now have a universal NOW that we can study at our leisure (the freeze doesn’t apply to you and me – we’re outside the space-time continuum).

Let’s focus on that subset of all parallel universes – all parallel Earths and time travel between them. Now there’s no reason to assume that all parallel Earths are identical in all aspects. Indeed, some parallel universes may not even contain a parallel Earth! There maybe some parallel Earths identical or so close to identical to our Planet Earth as makes no odds – abodes you’d feel right at home in. Other Earths would differ in various ways, some minor, some major. Still others might be really weird and alien, as in having evolved a dinosaur society, civilization and technology. There was no parallel asteroid impact 65 million years ago; thus no human beings around the traps 65 millions later.

Your subset of parallel Earths would show near infinite diversity in infinite combinations. I say ‘near’ because you can only stretch the term ‘Earth’ or ‘Earth-like’ so far and no farther, before it’s not Earth or Earth-like. A 100% oceanic world is not Earth. If a parallel ‘Earth’ has Venus-like temperatures, it is not Earth-like. If it has a density approaching that of a neutron star, it is not Earth-like. If it has no life on it, even though in all other respects it is a near carbon copy of our Earth, it is not Earth-like.

Now it’s back to the NOW subset of parallel Earths and Earth-like abodes. There’s no reason to assume that evolutionary development; that evolutionary development rates would proceed in each and every case in an identical fashion. Some parallel Earths would still be in the dinosaur era (if they had dinosaurs of course). In some parallel Earths, cavemen and saber tooth tigers rule. In others, it’s Biblical times, or Medieval times or the era when Britannia ruled the waves. Others in our absolute NOW, on yet other parallel Earths, or parallel earthlings, might have just invented the wireless or landed on their Moon (if they have one). On some parallel Earths it may already be what to us will be the 23rd or 24th Century with interstellar warp drive capabilities at hand – and even way beyond that. So, you could seemingly travel to the past and future while actually remaining in our NOW. You’ve traveled in time without really traveling in time, or, time travel without the paradoxes – but maybe that spoils all the intellectual fun of contemplating time travel in the first place!

*The problem solved here is how can you get a classic wave interference pattern behind two slits you fire photons through; even when you fire the photons at say a rate of one per hour? Who you gonna call – ghost photons of course to the rescue.

**Quantum foam – the world may look pretty smooth from a distance, but as you keep magnifying the finer details, the micro world gets ever so slightly bumpier. Close in some more and things get rougher still, until at quantum level everything is a seething cauldron of tumultuous activity. It’s like the sea that looks perfectly smooth and tranquil from Earth orbit, but at rowboat level, you’re terrified as that 50 foot wave comes crashing down on you.