Stocks And Money Information

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“Trading With the Help of the Experts”

Would you be interested in live trading seminars captured
on DVD and CD?

While I was scooting around on the web
looking for interesting resources for
my members I came upon a great way to
learn to trade – using the experts!

How many times have you wanted someone
to hold your hand and just show you
what to do?

Well I know I have…lots of times!

I found two great services.

The first is called, “InvestorFlix”.
Below is the link:
tinyurl /d8kml

Tap into the world’s most comprehensive “brain trust” of market
experts – right from the comfort of your own home – and watch
your trading results skyrocket!

InvestorFLIX is the first collection of its kind ever made available
to the public. This extensive library of trading seminars features
154 expert wealth builders on 547 DVDs and CDs.

Each DVD or CD is a step-by-step trading course that will show
you how to generate a consistent approach in every market, using
tested and proven techniques to create massive amounts of wealth.

The next amazing service for traders
is called, “MarketClub”. You must check
it out for yourself.

Adam Hewison from MarketClub shows you how to turn
$3,000 into $110,110.00 in just 74 trading days by
trading “OIL”.

Go here:
tutorhelp .au/video.html

This link above will help you connect to
both services as well as my service,
“Trading With Pictures”.

I wanted to provide you with something
visual to help you learn all the moves.

About the Author

Joseph Sgro writes THE 10 Simple Rules Ezine for people interested in
trading the markets and learning from the pros.

tutorhelp .au/ezine.html

Copyright (C) Joseph Sgro 2005

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~AUTO ACCIDENT INSURANCE CAIM~ Getting Reimbursed For Your ”

You�ve had a motor vehicle accident some time ago when a local character
by the name of Fred Fuddle smashed into your rear end but now you’re in
the home stretch with his Adjuster, I. M. Strong, and you�re going to be
paid for your loss by Strong�s employer, Rock Solid Insurance. A good
portion of it will be for your “Pain and Suffering”. That is, in the
lingo of insurance claim settlements, your “Compensatory Damages”. Let’s
talk about that:

BODILY INJURY PAIN: How much pain can an individual stand? The answer to
that is: Reaction to pain not only differs with each of us, but often
within each of us. While pain can usually be scientifically measured, the
limits of human endurance cannot. We all have a different “Pain
Threshold” – - that is, the point at which we begin to feel physical
distress as we enter into, and then deal with, a period of suffering.

A lot depends on what’s going on in your life and how you experience it.
Temperament and psychological factors are involved. Like, for example,
your personal life is in a shambles (for any number of reasons) and that
has hindered your ability to recover. Or, perhaps the company you work
for is on the brink of bankruptcy!

The mechanism through which you feel an injury is so complicated that
there are times when the same pain appears to be more (or less) than that
of previous days. For example: one day you have a problem that causes you
to complain endlessly. This makes you impossible to live with and your
pain seems to be much stronger. Yet, a similar situation on a much better
day, doesn�t upset you so profoundly and the pain is not nearly as bad.

YOUR “PAIN AND SUFFERING” (Your �Compensatory Damages�): The type of
injury you suffered, as a result of Fred Fuddle crashing into you (plus
the nature and length of your treatment) are two of the best indicators
for both the adjuster and Rock Solid Insurance to consider regarding the
“Pain and Suffering” you experienced. However, there are several other
areas you should call to the attention of Adjuster Strong so as to make
him aware of what you’ve been dealing with.

MEDICATION: The fact that you were prescribed either over-the-counter or
prescription medication by Ole� �Doc� Comfort, your family physician, to
relieve pain, inflammation (and/or any other injury symptoms), will help
to convince I. M. Strong that your injuries were serious and caused you
to endure a great deal of “Pain and Suffering”. No matter which way you
slice that cake, the more powerful the medication, and the longer it�s
prescribed for, the greater the value your claim will be. That’s a fact
of life in the business of insurance claims.

LENGTH OF RECOVERY: The longer your recovery period, the greater your
“Pain and Suffering”- – therefore the higher the settlement value of your
bodily injury. Make sure �Doc� Comfort clearly indicates this in his
Final Medical Report. Tell him he must state in writing (via the weeks
and months) how long it will be, before you were able to engage in your
routine activities. Make sure he doesn’t send that report directly to
Adjuster Strong. You get it first and then later on you�ll send it along
to Strong. But, before you do, read it. If good Ole� �Doc� Comfort hasn’t
clearly stated this, hand it back to him and tell him he must. You have
every right to insist that he does. You’re paying his bills, it’s your
report, your insurance claim, and your big bucks he’s not being serious
about!

As long as you continue to have physical problems you should keep going
back to see your doctor, again and again, and again ! Other than the
obvious “Pain and Suffering” it will help to convince Rock Solid
Insurance you�ve endured, there are two other very good reasons for doing
this. They are as follows:

(1) The fact that your records show visit�s to your doctor, four, six,
eight (or even more) weeks after the accident, will convince Adjuster
Strong and Rock Solid that your injury took a long time to deal and
required continual attention. (Plus it clearly indicates each and every
day you were unable to work and therefore it proves, beyond the shadow of
any doubt, the income you lost). Never forget: Your attending physician�s
Medical Report is the only way you can prove you were unable to work and
in any court of law that will justify your claim for lost wages.

(2) When you visit �Doc� Comfort be sure to tell him there’s been little
(if any!) decrease of your pain, discomfort, stiffness or immobility.
Make sure, when he does execute that Final Medical Report, this is
clearly stated in his written remarks. If it isn’t you have every right
to go back, hand it to him and insist that it is.

SCARS: In many instances large and obvious scaring increase’s the value
of your claim (big time!) – - especially if the scarred portion of your
body is visible. If you’ve been sitting at a desk for 25 years, your chin
is double, your hair is gone, and you own a bulging stomach, and that�s
where the scar is, it�s not going to be worth much. But, if you’re a
tall, dark and handsome, twenty year old and the scar is on your face,
than it’s worth a ton. Take colored photographs of every scar and every
scrape that causes swelling and/or discoloration to your skin plus every
mark on your body! After you�ve handed a copy of those photographs to
Adjuster I M. Strong he�ll be sending them to his boss in the Home
Office. I�ve been in that seat so I can flat out guarantee you his
immediate superior in the home office will stare at those photo�s and
gulp. He�ll blanch, take a deep breath and send Strong a one liner that
reads something like: �Do whatever it takes to get rid of this one. Se!

ttle it and let�s move on.�

If the scar is bad enough insist that Dr. Comfort refer you to a Plastic
Surgeon for an opinion as to whether your scar can be repaired and/or
removed. Once you’ve been examined ask that Specialist to detail in
writing (and insist that he send his report to you) how much it will cost
to make it look right again. You may never get it repaired, and/or
removed, but include that Plastic Surgeon’s report, plus copies of the
bills you�ve accumulated because of your visits to him, and hand them to
Adjuster Strong. This will absolutely, positively give your claim more
value !

QUESTIONS & ANSWERS REGARDING OBTAINING THE SERVICES OF A LAWYER:

QUESTION: �Is it necessary to obtain the services of an attorney who will
take a cut of 33 1/3% of the settlement (in some states up to 50%) he
recovers from the insurance company of the individual who struck you�?
ANSWER: �Yes, there are some situations where it makes sense to do so�.
HOWEVER: Especially in a case where the impact is absolutely not your
fault in any way, shape, manor or form – - you should be clear with the
lawyer you choose that those out-of-pocket expenses you would have been
paid (weather they represented you or not) should not be part of his
settlement!

Let�s say, for example: You were at a dead stop while waiting for a light
to change from red to green, when struck a tremendous blow in the rear by
a distracted driver. It�s 100% clear to all concerned that the damages
you received will be paid by the insurance company of the individual that
struck you.

The property damage to your motor vehicle is $2,800, your lost wages are
$450, your final Doctor�s bill (plus all your other Out-Of-Pocket
�Medical Expenses�) comes to $750 for a total (Property Damages/Lost
Wages/Medical Bills) of $4,000. you live in an area where the lawyers
typical �Contingency Fee� is 33 1/3%. QUESTION: �Should that lawyer take
33/13% ($1,333.33) of that $4,000�? ANSWER: �No�! QUESTION: �Why not�?
ANSWER: �Because you were going to get that $4,000 weather there was an
attorney representing you or not�! In a situation where the liability is
clear the attorney should take, as his fee, 33 1/3% of everything he gets
above and beyond , that $4,000!

So, let�s say the attorney obtained a settlement of $4,800 for your �Pain
and Suffering�. When that figure is added to the $4,000 of Out-Of-Pocket
Expenses (as detailed above) the total would come to $8,800. To be fair
he should not take 1/3 of $8,800 ($2,933.33 – - thus leaving you with
$5,866.66) but 1/3 of the $4,800 ($1,600 – - thus leaving you with
$7,200). QUESTION: �What has he done to earn that additional $1,333.34�?
ANSWER: �Absolutely nothing�!

DISCLAIMER: The only purpose of this article ~ AUTO ACCIDENT INSURANCE
CLAIM ~ Getting Reimbursed For Your �Pain And Suffering� is to help
people understand the motor vehicle insurance claim process. Neither Dan
Baldyga nor ARTICLE CITY make any kind of guarantee whatsoever; NOR do
they purport to engage in rendering any professional or legal service;
NOR to substitute for a lawyer, an insurance adjuster, or claims
consultant, or the like. Where such professional help is desired IT IS
THE INDIVIDUALS RESPONSIBILITY to obtain such services.

Dan Baldyga�s third and latest book, AUTO ACCIDENT PERSONAL INJURY
INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on
the internet at autoaccidentclaims or wwwcaraccidentclaims . This book
reveals �How To� successfully handle your motor vehicle accident claim,
so you won�t be taken advantage of. It also goes into detail regarding
the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation
Formula). BASE explains how to determine the value of the �Pain and
Suffering� you endured – - because of your personal injury.

Copyright (c) 2003 by Daniel G. Baldyga All Rights Reserved

Dan Baldyga – Author

19 Winona Drive, West Springfield, MA 01089

Phone: (413) 733-0127 FAX: (413) 731-8358

Mail to: dbpaw@comcast.net

AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM

(How To Evaluate And Settle Your Loss)

Found On Internet At: autoaccidentclaims

Or: caraccidentclaims

For 30 years Dan Baldyga was a claims adjuster, supervisor, manger and
also a trial assistant. He is now retired and spens his time attempting
to assist those involved in motor vheicle accident claims so they will
not be taken advantage of.

dbpaw@comcast.net

http://www.wordpress.china-bay.org/2009/

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~Car Accident Insurance Claim~ Regarding Impacts And Injurie

As of January 2003 it was determined that in the good ole‘ US of A, there
were approximately 12.3 million motor vehicle accidents involving over 21
million vehicles last year. This amounts to a little over one crash per
second. Let’s take a look at four of the most common of these gazillion
impacts and the typical injuries they cause.

#1. LOW SPEED IMPACTS – - ESPECIALLY REAR-ENDERS: These are crashes that
are considered to be any collision that takes place at speeds under 10
MPH. While there is absolutely no justification to call it a “Low Speed”
impact that’s what the insurance industry loves to identify them as. Why
? Because a moniker like that is supposed to indicate that the,
“so-called impact”, you were subjected to could not possibly have caused
an injury.

It’s true that when such a crash does take place there’s often not a lot
of damage done to the motor vehicle and yet, in most cases, people
involved in these types of accidents more often than not suffer injuries
- – neck injuries especially!

Although the insurance industry would like to have those making a claim
think differently an injury can and absolutely does occur when a low
impact collision takes place. The most common is identified as the
“Whiplash”. This takes place when the occupants don’t have the slightest
idea about the impending collision so they can’t brace themselves by
forcing their back and/or neck against the seat or headrest. Because of
this their body gets whipped and snapped about something fierce.

Automobile bumpers are built to withstand up to a 5 MPH crash without
damage. This is not done to insure the safety of the occupant but rather
to protect and limit the damage to the bumpers, keeping the cost of
repair to a minimum. Many times vehicle to vehicle impacts can sustain an
impact of 8 to 9 MPH before there’s recognizable damage to the motor
vehicle. However, when the bumper doesn’t crumble and absorb the force of
the impact, more of that crash is felt by the occupants. IMMEDIATE
INJURIES: The individual that’s been crashed into by another (even at
only 5 MPH) is thrown forward with a severe jerking motion – - causing
necks to snap and backs to twist. Because of this many “Soft Tissue”
styled injuries take place, including multiple body bruises, plus chest
and rib injuries. In most cases adjusters attempt to deny the possibility
of injuries in a low speed impact but research substantiates just the
opposite! Sure, the motor vehicle will show little damage but the
velocity and accompanying force have to be transferred somewhere, and
that’s to those sitting in that vehicle. Cars are built to withstand such
minor impacts – - the human body is not!

#2. FRONTAL COLLISIONS: In most frontal impacts the occupant’s can
generally brace themselves because they’re usually aware of the collision
they’re about to be subjected to. In Frontal Collisions the speed and
weight of the vehicle play a role in the injuries of the occupant. (The
more the vehicle crumbles at impact the less severe the injuries to the
occupants. Many times airbags will deploy). In frontal impact collisions
the speed and size of the vehicle determines the injuries that can take
place. (And – - getting back to rear-end collisions for just a moment – -
the striking vehicle not only undergoes a collapse, but transfers
momentum to the car that’s been struck by pushing it forward. The airbag
may or may not explode. This depends upon the rigidity of the vehicle
that’s been struck).IMMEDIATE INJURIES: Head and neck, back, spine, rib
and clavicle, arms and legs, concussions, soft tissue, internal,
dislocations, abrasions, cuts and bruises.48 to 72 hours later: Headache,
blurred vision, dizziness and loss of taste, smell or hearing. Also,
difficulty breathing, blood in urine or stool, swelling, loss of motion
and visualized bruising take place.

#3. SIDE IMPACT: Many times the occupants head will hit the side window
and bounce off of it. There are no air bags nor bumpers, engines, etc.,
to help protect ones body or absorb the force of the impact. IMMEDIATE
INJURIES: Head and neck, arms & legs, soft tissue, dislocations, scrapes
and bruises. 48 to 72 hours later: Pain, headache, blurred vision,
dizziness, loss of taste, smell or hearing, numbness or tingling (and
basically the same as those listed above) so, at the risk of being
repetitious but because it’s so important, I must say once again: It’s of
major importance that the individual exposed to impact – - no matter how
slight it may seem to have been – - should immediately be examined by a
medical professional.

#4. ROLL-OVER ACCIDENTS: The typical roll-over accident is very serious.
The most common factors in single vehicle accidents are approaching a
curve at too high a speed, leaving the pavement or highway, or
over-correcting the steering wheel – - particularly in vehicles with a
short wheel base. The severity of injuries to the occupants generally
depends on the beginning velocity of speed, the number of rolls,
condition of the vehicle, and what your motor vehicle rolled through,
over and into! Damage to the vehicle is generally extensive. It has been
determined that 60% of the economic costs from roll-overs resulted from
occupant ejection, and that the initial roll-over speed was between 40 to
60 MPH. (A recent study reported that restrained occupants showed a
higher proportion of neck injuries than the unrestrained).

IMMEDIATE INJURIES: The whole nine yards – all of those as detailed above.

*******************

The bottom line (to all 4 of the above) is that in all motor vehicle
accidents – - no matter how minor the damage it’s of the greatest
importance that each and every individual immediately visit a medical
professional for a physical examination and/or consultation. So, should
you find yourself at the scene of an accident and somebody asks if you
think they should see a doctor, your answer should always be, “ABSOLUTELY
” ! Stare straight into their eyeballs and tell them, “It’s your body.
There’s only one to a customer. You should do whatever you can to take
care of it and protect it”.

DISCLAIMER: This article ~ CAR ACCIDENT INSURANCE CLAIM ~ REGARDING
IMPACTS AND INJURIES is intended for background information only. Its
purpose is to help people understand the motor vehicle accident claim
process. Neither Dan Baldyga, Thomas Brown nor ARTICLE CITY make any
guarantee of any kind whatsoever NOR purports to engage in rendering any
professional or legal service, substitute for a lawyer, an insurance
adjuster, or claims consultant, or the like. where such professional help
is desired IT IS THE INDIVIDUAL’ RESPONSIBILITY TO OBTAIN IT.

Dan Baldyga’s third and latest book, AUTO ACCIDENT PERSONAL INJURY
INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on
the internet at: autoaccidentclaims . This book reveals “How To”
successfully handle your motor vehicle accident claim, so you won’t be
taken advantage of. It also goes into detail regarding the revolutionary
BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE
explains how to determine the value of the “Pain and Suffering” you
endured – - because of your personal injury.

Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved

Dan Baldyga – Author

19 Winona Drive, West Springfield, MA 01089

Phone: (413) 733 0127 FAX: (413) 731 8358

Mail to: “mailto:dbpaw@attbi ”

AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle
Your Loss)

Found on the internet at: ” autoaccidentclaims ”

For over 30 years Dan Baldyga was a claims adjuster, supervisor, manager
and also a trial assistant. He is now retried and spends his time
attempting to assist those involved in motor vehicle accident claims so
they will not be taken advantage of.

dbpaw@attbi

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0% Credit Cards

These days, credit cards in the UK are competing with each other on two
very attractive offers with a headline rate of 0%. These 0% credit cards
will be either balance transfers; introductory purchases offers or a
combination of the two. This article looks at how to get the best out
these types of card and the things to that the credit card companies want
you to do and therefore the things to avoid. There is a school of thought
that believes that these types of card will soon be a thing of the past
as they cost the credit card companies too much profit, as consumers get
wiser to the pitfalls.

A balance transfer credit card is basically an offer of either a zero
interest rate or very low interest rate for a set period. The typical
period is 6 months although there are variations on this and there have
even been some low rates set for the lifetime of the balance. However,
these are becoming rare. Once, the offer period expires then the
outstanding balance reverts to the standard rate on purchases. This is
very important, as at this point the credit card company will hope the
consumer will not take any action and so the company can begin to earn
money on the balance.

A 0% purchase offer credit card has many similarities to the balance
transfer offers. The introductory rate and period are usually 0% and 6
months in the same way as the balance transfer. Also, once the period
expires the outstanding balance is subject to the standard rate on
purchases. It is an important point to note that the introductory rate
does not apply indefinitely on purchases made in the period, but only
applies for the duration of the introductory period.

It is often the case that credit card companies will offer both the
balance transfer and 0% on purchases on the same card. When this is not
the case it is wise to keep balance transfers and purchases separate.
This is because the balance transfer portion of an outstanding balance
will be paid off quicker than the standard rate purchases. Therefore an
increasing portion of the balance will be subject to the standard rate
and the balance transfer portion will decrease at a faster rate. There is
nothing to stop a consumer obtaining a credit card with a balance
transfer and a separate low interest credit card for any purchases to be
made. That way the benefits of the offers are maximised.

In summary the balance transfer and 0% purchase offers can be of great
benefit to the consumer provided that the consumer understands how to use
the offers to their advantage. A degree of discipline is required in
managing repayments. Also, the cardholder should be aware of any
penalties that may cause the offer to be cancelled. Armed with this
knowledge then these cards can be made to work for the consumer, but
remember that when comparing credit cards to pay close attention to the
typical APR, which is, always stated where UK credit cards are promoted.

About the Author

Neil Brown has contributed to many financial sites including business
banking and personal loans.

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“What is Swing Trading and How Can it Help You to Buy and Se

Trading is my game, but every now and then I discover NEW
resources that I like my readers to find out about too -
especially when they are “best sellers”.

The purpose of this article is to bring two resources to your
attention. One of these is about “swing trading”, which is one
of my favorite trading methods. I use the “ABC Method” and I
will write another article to present my method another time.

Trading stocks using this method is easy and I am going to give
away copies of this book as a special bonus to anyone who likes
my trading package offer containing 21 bonuses.

Ever heard of Napoleon Hill? Well, he was the guy who wanted
to discover “why the rich became rich”.

He set off to interview very famous people of his day like
“Andrew Carnegy”. He wanted to find out what made these people
different to everyone else and created a master plan others
could follow and documented what he found.

He wrote his book in 1937 and now there is not only a free
ebook version, but also a special online course which discusses
aspects of the book.

He entitled his book, “Think and Grow Rich”, which gives you
a pretty good idea of what he discovered.

*Get all the in-depth chapter analysis*

by going to this link:
tinyurl /5hesn

================================================
Learn a Simple System YOU can use to TRADE:
================================================

“A Practical Guide to Swing Trading”

Get this FREE when you buy THE 10 Simple Rules
Package.

tinyurl /3oolx

Here is the purchase link to get your FREE copy of
“A Practical Guide to Swing Trading”:
tutorhelp .au/sharemarket.html

About the Author

Joseph Sgro writes “THE 10 Simple Rules Ezine”.

His 10 Simple Rules
trading package aims to offer a good start to the world
of trading.

Read the story of how he made $700 000.

He offers valuable insights on how
to trade successfully and keep what you make. You can find
out more by following the link.

tutorhelp .au/sharemarket.html

(C) Copyright 2005 Joseph Sgro

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“5 Selling Tips — To Increase Your Sales”

Here are 5 selling tips to help you increase your sales. All 5 work for
any business. They’re effective for both online and traditional offline
marketing. And they won’t cost you anything to implement.

1. PROMOTE ONE THING AT A TIME

Promote only 1 product or service at a time. It limits your prospect’s
buying decision to either “yes” or “no”. Every “yes” answer produces an
immediate sale.

Avoid promotions requiring prospects to make more choices after making
the decision to buy. Some won’t be able to make a clear choice. They’ll
avoid the risk of making a wrong choice by making NO choice — and you
lose the sale you already had.

You can develop separate promotions for each product or service you sell.
Or you can combine several products and services into one package for one
price. But always make your prospective customer’s buying decision a
simple “yes” or “no”. It produces the maximum number of sales.

2. LEAD WITH YOUR BIGGEST BENEFIT

What’s the biggest benefit you offer to customers? That benefit is your
strongest selling appeal. Use it to attract prospects to your promotional
message.

State your biggest benefit in the headline of your ads. Put it in the
first sentence of your sales letters. Include it in a title at the top of
your webpage. Use it as the opening of your audio or audio-video
promotions. Leading immediately with your biggest benefit captures your
prospect’s attention and provides a compelling reason to continue reading
or listening to your message.

3. PERSONALIZE YOUR APPROACH

More people will buy from you when they feel you are talking directly to
them about their individual needs. Develop customized versions of your
sales message to cater to the specific interests of prospects in each
market you target. Use the language and style of prospects in each market
to communicate your message to them.

It’s easy to use different versions of your sales message when you
control who gets it. But how can you personalize your web site to appeal
to prospects in one market without losing your appeal to other prospects
visiting your site?

One way is to create special web pages for prospects in each market you
target. Customize the content of each to appeal to prospects in that
group. Then add a link to each of these special pages on your home page.

4. PROVIDE SPECIFICS

Marketers often describe their product or service with words like, “It’s
fast, easy and inexpensive”. But a specific description of how fast, how
easy and how inexpensive will generate more sales.

For example, a general statement like, “Our clients get more sales”, is
dull. It won’t produce sales. Replace it with a specific statement like,
“Most of our new clients enjoy at least a 17 percent sales increase in
the first month”. This statement creates excitement. It motivates
prospects to sign up now so they can start enjoying that 17 percent
increase in THEIR sales.

5. DRAMATIZE FEELINGS

Customers usually buy on impulse, not logic. They base their buying
decision on how they feel about your product or service. Get them excited
about using your product or service and you’ll increase your sales.

Revise your ads, sales letters and web pages to dramatize the emotional
rewards your customer will experience when using your product or service.
Use vivid word pictures to help them imagine themselves already enjoying
those benefits. For example, a financial planner could describe what it
feels like to enjoy an affluent lifestyle without debt.

Each of these 5 selling tips will help you increase your sales. They
produce immediate results. And they won’t cost you anything to implement.

Bob Leduc is a Sales Consultant with 30 years experience in generating
low-cost leads. He recently wrote a manual for small business owners,
“How to Build Your Small Business Fast With Simple Postcards”, and
several other publications to help small businesses grow and prosper. For
more info: Email: BobLeduc@aol Subject: “Postcards” Phone: 702-658-1707
After 10 AM Pacific Time/Las Vegas, NV

Bob Leduc
Email: ByBobLeduc@aol For a list of articles available for reprint:
mailto:newarticles@sendfree

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How to Save Money on Air Fares

Unless you are a frequent business flyer and have your air fares paid for
by a company you will need to consider how to save money on air fares.

There is a wide variety of air fares available to travelers. Here are
some useful tips on how to save money when booking air fares:

Be flexible

Be flexible in your travel plans in order to get the lowest fare. The
best deals may be limited to travel on certain days of the week (often
Tuesday through Thursday, or Friday night through Sunday morning) or
particular hours of the day for example, late-night departures.

Plan Ahead

Plan as far ahead as you can. Most airlines set aside only a few seats on
many desirable flights at the lower rates. The real best bargains often
sell out very quickly. On the other hand, if a particular flight is not
selling as well as expected, air carriers sometimes make more discount
seats available for a particular flight just before the advance purchase
deadline expires.

Search for Bargains

While planning ahead is a good general rule, if you can bide your time
you might encounter a “fare sale.” Many airlines put seats on sale for
brief periods several times a year. It is difficult to predict when these
sales will occur, although they often fall during times when people are
less likely to buy airline tickets for example; early autumn or right
immediately after the New Year holiday period.

Select Airport

Air fares can vary depending on which airport you depart from. Always
check on alternate airports and routings when pricing a ticket.

Low Cost Airlines

Look into all airlines that serve the destination you are interested in,
including low-cost carriers that offer low fares. On a low-cost carrier,
find out what you get for your money: baggage transfers from one carrier
to another, meals, advance seat assignments, etc.

Use a Travel Agent

Consider using a travel agent. Agents usually do not charge a fee (they
get a commission from the airline), and they can tell you about sources
of discounted seats that are not available directly from the airline.

Check Air Fare

After you buy your ticket, you may wish to call the airline or travel
agent once or twice before departure to confirm your reservations and
check the fare. Fares change all the time, and if that same fare goes
down before you fly, some airlines will refund the difference. But you
have to ask.

Restrictions

Ask about all restrictions on your fare. Typical requirements for
discount fares include purchasing a round-trip ticket, buying the ticket
a certain number of days before departure for example, at least 14 or 21
days before you leave, purchasing the ticket within 24 hours of making a
reservation, staying over a Saturday night, traveling during a certain
time of the year, staying no more than 30 days, and refund/change
restrictions.

Ask about your ability to change or cancel your flight if you need to.
Even if you get sick, you cannot assume you will get a refund. In fact,
most discount tickets now are non-refundable.

You may freely reprint this article provided the author’s biography
remains intact:

About the Author

John Mussi is the founder of Direct Online Loans who help UK homeowners
find the best available loans via the directonlineloans.co.uk website.

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