Sneaky ways in which you can avert luggage which is overweight

It is a particularly frustrating experience for any traveler to pay excess baggage fares. You feel like someone has already decided for you that trying to catch your flight on time and packing for the trip wasn’t tiring enough and so they added another difficulty of paying fares for heavy luggage. Even the lightest travelers often make the mistake of packing too many things in their baggage.

There can be nothing worse than being caught for carrying heavy luggage and something that is even worse is that you might feel overburdened with your luggage. Although there are luggage stores like that let you keep your luggage safely for few hours and rest without them, yet you should always try your best to pack light.

#1: Purchase things after reaching the location

Depending on the kind of place you’re going to, there are several destinations where things are cheaper than the place you’re living in. In case you’re going for a month, you don’t have to pack a huge bottle of shampoo or conditioner; you may plan to buy them at the destination. Hence, you should stock on toiletries while you’re going for the trip and plan on what you actually need within your pack.

#2: Use your carry-on to pack the heavier objects

This is one of the most common tips that the expert use while traveling. Take a close look at all the travel items and list out the heaviest items from the main luggage and carry them in your carry-on bag. While you’re on the airplane journey, you won’t require much and therefore you can use the added space for filling the items that are the heaviest. Liquids are often risky and check with the airport regulations.

#3: Go through the fine print

This is one of the best tips that you should follow. Unless you read the fine print, you’re going to be in trouble. While one airline might accept a total of 20 kilos, another airline would be accepting 20 kilos in just one bag. In case you’re blessed with the option to distribute the possessions among various bags, this will become more organized. Hence, restrictions on weight are different among different airlines. So, you shouldn’t forget to read the fine print for each journey that you take.

#4: Toiletries should be travel-sized

For how many days are you going out for a vacation? If you have at least a month or two, you have to carry toiletries that are travel-sized. If 3 weeks is the maximum time for your vacation, you don’t really need anything that is more than travel-sized.

#5: Purchase souvenirs at duty free shops

In case you feel like buying souvenirs at the duty-free, this can definitely be the best ways of avoiding overweight luggage. You will also tend to use up any added currency which is left over.

Therefore, if you’re wondering about the ways in which you can avert overweight luggage, you can consider following the above listed tips to avert excess fees.

How Can Merchants Help Protect Consumers From Fraud in 2017?

Are you, Mr. Merchant, panicked about the new EMV changes and consumer-fraud protection? Fret no more. Whether you are a frazzled business owner or just an inquisitive consumer, has outlined exactly what the EMV fraud liability shift meant for all parties involved:

1. The liability shift changes who may shoulder fraud chargeback costs.
After Oct. 1, 2015, in-store counterfeit fraud liability shifted to the party — either the card issuing financial institution or the merchant — that has not yet adopted chip technology. So you really need to switch to this technology if you haven’t already done so.

Prior to this shift, credit card issuers were primarily responsible for covering fraud affecting consumer accounts, reimbursing cardholders for lost funds as a result of counterfeit (or other) fraud. As of Oct. 1, 2015, financial institutions will still cover cardholders’ accounts as before, but in some cases the institutions may be able to seek reimbursement from the merchant or merchant processor (like if the retailer was not prepared to accept EMV payment technology.

2. The shift is intended to help parties deal with counterfeit fraud more equally.
The EMV fraud liability shift was implemented by major U.S. payment card networks (nine to be exact: Accel, American Express, China UnionPay, Discover, Mastercard, NYCE Payments Network, SHAZAM Network, STAR Network and Visa) to combat counterfeit fraud.

3. Stolen/lost card fraud liability may depend on the card and network.
If chip cards can be dipped and signed for, but not easily counterfeited, wouldn’t it be easy for fraudsters to just steal the chip cards themselves?

Potentially, but the liability shift details how stolen card fraud will be handled if criminals are willing to take such chances. For the most part, issuers will handle fraud resulting from a lost or stolen card situation just as they do now.

4. The liability shift does not apply to card-not-present fraud.
Merchants who make sales online instead of in-store don’t have to worry about today’s liability shift because it doesn’t affect them.

For starters, EMV chip technology does not work online, as card chips need to be physically read by a payment terminal during the card-dipping process to produce the unique transaction code. Chip card holders making online payments will continue to type in card numbers as usual and if card-not-present fraud occurs, it would be handled as it was prior to the October 2015 liability shift, typically by the card issuers based on their existing fraud liability guidelines.

Always board flights on time by using airport transportation service

There are many travel companies in the market today that provide airport transportation service at reasonable prices. Vehicles such as executive sedans, SUVs, luxury coaches and buses can be provided for pickup and drop at the airport.

Airport transportation service can be booked in advance through e-reservation centers, from any part of the world. At the airport, reputed travel companies provide Meet and Greet service, wherein a representative greets individuals, helps with baggage claim and escorts them to the pickup vehicle. Chauffeurs of these vehicles would ensure that they adhere to passenger arrival and departure schedules.

For traveling from one part of the city to another, chauffeured vehicles can be availed. This could be for the purpose of corporate meetings, sightseeing or for road shows. In the case of road shows, the movement of the vehicles needs to be coordinated, and this would be done by a travel company representative, who will be present for the entire duration of the program. Chauffeurs are familiar with the geography of the areas, and also have GPS navigation devices installed in vehicles.

The advantage of having a chauffeur is that negotiating through traffic and parking can be handled by him, while one can focus on the event at hand. He would also be more familiar with various routes, especially for tourists. The chauffeur can pick up and drop individuals at any destination, and can adjust as per user requirements.

For those travelers who desire something extra, limousine service can be availed for special occasions. Limousines can be used to arrive in style at events such as prom nights, weddings, parties and others, which would create a lasting impression in the minds of onlookers.

These limousines are vehicles that provide the ultimate in safety, comfort and luxury features. Mini bars, DVD systems, TVs and audio systems with surround sound and luxurious couches are some of the luxury features in these vehicles. Traveling in limousines is truly one of the most memorable experiences, as one leaves feeling pampered beyond imagination. It is important that one knows the make and the model of the vehicle before booking limousine services. This way, it can always be ensured that the vehicle would be in good condition when the booking is made.

Limousine service has now been made relatively affordable, due to the many different travel companies in the market. Buying a limousine would be very expensive for most individuals, so it makes more sense to hire one for special occasions.

Sophia D’souza is a journalist an author specializing in topics related to Airport transportation Service, Limo Service, Limousine Service, Bostoncoach, Boston car service etc.

Affordable Travelling With Shuttle Service

As the name suggests itself, shuttle service is a public transport bus service designed to quickly transport people between two points. The service is often known among the people for no intermediate stops between points. They are normally designed to serve specific customers, such as hotels, attractions, park and ride routes or airport bus services. They may also be used to replace train service when rail lines are closed. Unlike regular bus routes, shuttles, as one like San Francisco shuttle are much cheaper and convenient.

The cost involved in travelling is very important. It determines the experience that we get. Even if we like travelling but if there is high cost involved into it, we wont get totally satisfied. Therefore, to get rid of such instances, you need to opt for quality and dependable shuttle services as available for Dublin transportation service. In most of the cities, shuttle services are available for almost every kind of travelling as per demand. Due to the high-need for the service among the people, they have become one of the indispensable parts of travelling from one place to another. They are mostly popular for group travelling. Whether you are looking for San Francisco employee shuttle, or a school transportation service, shuttle service is one fine option that is available. With all kinds of elegant and stylish features included, you will have a feeling as if you are relaxing at the utmost comfort rather than travelling. This is the main reason it has been much popular for San Francisco school transportation as well. Since school transportation needs to accommodate all the people travelling at ease and also needs to be safe and comfortable at the same time, shuttle services are getting much popular for the purpose too. Whether it is school transportation, employee shuttle or anything else that involves a large number of people travelling, shuttle service is one fine option available. This is why; it is seen that majority of people use shuttle service as Berkeley transport. It has become one of the most popular transportation services in the city. We all know the hassle and stress that comes along with public means of transportation services like buses, light rails and so on. Therefore, to get rid of them, shuttle services are a great substitute.

A good shuttle service will serve you in the very best way for your travelling. If you are looking for something that is going to save a lot of your valuable money on travelling, you should consider going with the shuttle services that are easily available at a reasonable price.

The Beginners Guide to Cars

If you want to get approved at the best possible terms when buying a car, it’s important you know a car lender’s credit guidelines before you apply for credit…especially if you’re bankrupt.It will save you time and frustrationbut more importantly, it will help you avoid credit inquiries that may lower your FICO credit scores up to 12 points per inquiry.Step 1 in making a lease or buy decision is to determine a lender’s credit guidelines. You start by asking if they lend to people with a bankruptcy. If so, on what terms?That’s right. You have to be upfront that you’ve filed bankruptcy. Don’t hide it. We have to face the fact that some dealers just won’t work with people who’ve filed bankruptcy. So our job is to find the ones that do.Some lenders will only lease to people with a bankruptcy. Others will only offer purchase financing. Yet still others will only lend using a hybrid of the twothis is especially common in Texas.Ask the finance director at the dealership to direct you as to what structure the manufacturer prefers.And here’s a quick tip for you: if your bankruptcy doesn’t appear on the credit report your lender pullsthen, in the eyes of the lender, you’re not bankrupt.The only lenders I would consider using are: – First choice: Captive lenders (car manufacturers) – Second choice: Banks (not finance companies) – Third choice: Credit unionsNinety-nine percent of the cars I’ve leased over the years have been with captive lenders. Just one was leased by a bank.That particular deal came from a conversation I had with Amy, the finance manager at the local Land Rover dealership here in Indianapolis. I told her I was open to her financing recommendations, but I preferred financing through the car manufacturer.I told her my current FICO scores. She immediately said that with my scores she could do better through a local bank. I signed a credit application and told her to go for it.The next day I signed a lease agreement with that local bank. Being open to her advice literally saved me hundreds of dollars a month on that car.So be flexible…but be careful. It seems most car dealers call all of their funding sources banks. When in reality some are banks, some are credit unions, and most are sub-prime finance companies.Here is a list of some of the most commonly used sub-prime auto finance companies: 1. HSBC Automotive 2. Capital One 3. AmeriCredit 4. WFS FinancialYou want to pass on the sub-prime finance companiesunless you have exhausted all other options. Sub-prime lenders should be your last resort.And only use credit unions if they report to all three national credit reporting agencies. How do you find out if a credit union reports to all three credit reporting agencies?Simpleyou ask. Ask the branch manager at the credit union if they report. And after you get the loan, check all three of your credit reports and make sure their trade line appears on each one.The three worst luxury captive lenders to lease or purchase from after bankruptcy are: 1. BMW 2. Mercedes 3. PorscheThe three worst mainstream captive lenders are: 1. Honda 2. Kia/Subaru 3. ToyotaWhat makes these the worst?Once these lenders see that you’ve filed bankruptcy, they are less likely to work with you. However, if they are willing to work with you, they’ll want you to be at least several years from discharge and have perfect credit during that time.Now that I told you how bad the above six lenders arethere are times where they may offer you good deals. For example, if one of the above happens to be the biggest dealer in your area, they may be able to offer you special deals that a smaller dealer can’t.Of course, things change all the time with captive auto lenders. They change their credit guidelines on a whim to meet their own financial goals. So, it’s always a good idea to at least research these dealershipsjust don’t get your hopes up too high.OK, so you’ve done your research and narrowed down your choice to one or two car manufacturers.Step 2 in making a lease or buy decision is to purchase your FICO credit scores. It’s important you have your most recent scores when you talk to car dealers (just like I did with Amy). It puts you in charge.When you enter a dealership with your FICO scores, the dealer will know you’re a more informed consumer and cannot be taken advantage of. Just know that the FICO credit scores auto dealers use are a little different than what we see as consumers. The scores the dealers review are called FICO Auto Industry Option Scores. The good news…these FICO scores may be higher than your normal FICO scores if you paid all previous auto loans as agreed.Some car dealers have told me that if your FICO scores are higher than the scores the dealer reviewsthey may even use your scores to get a better deal. You can buy your scores from 3 is to interview the remaining car dealers on a deeper level. Start by asking them these questions: – Which credit reporting agency do you use to make a lending decision? – What is your minimum credit score requirement to get approved? – What credit score is needed to get the best interest rate? – Do your lenders prefer offering lease or purchase financing to a bankrupt debtor? – What incentives are there to lease or purchase right now?At this point it’s important to remain open to either leasing or purchasing. Evaluate your options and incentives. Remember, you’re buying the financing. In other words, the most important factor is the willingness of the lender to loan you money.I personally view the lease versus buy decision in three ways:1. If you’re recently recovering from bankruptcy, the only thing that matters is if you can get approved at an interest rate you can afford through a lender that reports to all three national credit reporting agencies. So you should only consider lenders that are bankruptcy friendly.2. Once your credit scores begin to increase, you can start selecting cars based on which credit reporting agency the lender uses to determine if you qualify. Obviously, you should choose the lender who uses your highest FICO credit score to make a lending decision.3. When your scores are high enough…or two years have passed after your bankruptcy…or your bankruptcy doesn’t appear on the credit report the lender uses, then you can choose almost any car you like. But make sure you still do your research and use your credit scores to help you compare interest rates, terms and incentives.