Different Types of Card Games

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There are limitless types of card games to be played. People think because two games use the same deck of 52-cards that they are similar games, but nothing could be more different than Barbu and Speed, or Pai Gow and Pinochle.

Here’s a list of twenty different kinds of card games, and some facts about them.

1.Bridge

Bridge is a popular contract bidding game. Bridge has a culture — there are websites, newspaper columns, and even radio shows devoted to bridge strategy. There is a world-wide obsession with bridge, even though it has been called the hardest card game in the world. With a complicated strategy and steep learning curve, to many bridge is not just a game, it is a lifestyle. I wish I were exaggerating.

2. Whist

Whist could be called “Bridge, Jr” — and though it is not as big a game as it once was, and is dwarfed in popularity by big-brother Bridge, Whist has never really died out. Card gamers love trick-taking games — beating out your opponent in such a visual way is one of the more exciting part of any card game. Whist has some of the complexity of Bridge without any bidding.

3. Texas Hold’em

Texas Hold’em is something of a legend — a poker variation with a story as rich as a Spaghetti western. This version of poker, a drawing and betting game, was invented and then made popular by old time poker sharks in Texas, hence the name. This is easily the most popular poker variant right now, and is bringing more new people to card gaming than any other game.

4. Hearts

It is said that most of the professional poker tour players are hardcore Hearts players and that they bet big money on cutthroat games of Hearts in dark mysterious rooms during tournaments. Romantic as that may sound, it would make sense for these card sharks to love the game of Hearts – an otherwise childlike game of matching cards (and no bidding) usually turns into a competitive nightmare. Because of the game play, there are lots of ways to screw your opponents in Hearts. Trick-winning and passing card are big elements of Hearts.

5. Spades

People don’t realize it, but spades is a variation of bridge that simplifies the game even more than Whist and changes the outcome of the game as well. Spades is really popular in large groups, on college campuses, and in tournaments around the world. There may be as many variations of Spades as there are groups playing it — thanks to “jailhouse rules” which penalize tactics like point sandbagging and the existence of multiple versions of “house rules”. A strategic game you can play without paying much attention if you want.

6. Go-fish

This is the simple children’s card matching game we all remember from our childhood. You can play Go-fish with as many players as you have cards. Some people claim Go-Fish is a variation of Rummy but the simplicity of the game and the children’s game gimmick make it likely just some toy company’s creation. Strangely enough, Go-fish is known as Literature in some parts of the world. Write in if you understand that one.

7. War

Another children’s game (or time-killing game) War is a straight luck based game. Depending on the flop of the card, you either win or lose a war. Most people under the age of 30 learned War before they learned any other card game. You’ll see War played a lot in lines at airports.

8. Oh Hell!

Substitute your own dirty word for “Hell!” and you know this party game. Most of the fun is the fact that you get to cuss a lot and people laugh at you. What keeps this game popular is that it is a strict betting game. The object of Oh Hell! is to bid the precise number of tricks you will win. You have to take only the number that you bid, no more and no less. Play is precise, and because of the structure of the game, one player always blows it big time. There. That’s what’s fun. Screwing your opponent.

9. Blackjack

A skill game that in some casinos is the best bet you can make, if you can play a perfect hand. This is one of the most popular casino card game, and has a place in popular culture as THE “Vegas” game. The point is to build a hand that adds up to a total of 21 points without going over, and ending up with a higher number than the dealer. Players compete against the House directly, adding to the fun. Little known fact — there exists somewhere in this world a blackjack player’s hall of fame. Safe to say that this game’s got a cult following

10. Baccarat

James Bond’s favorite game (don’t believe the hype — it wasn’t poker or blackjack — read the books) Baccarat is a basic betting game. Players bet on who will win a given hand – the player, the banker, or if there will be a tie. Sure it looks easy, but Baccarat is a skill game. A small sidenote about Baccarat — the name comes from the name of the worst possible hand. This would be like calling your video poker machine “High Card Poker”. Just doesn’t have the same ring as “Royal Flush”.

11. Solitaire

The most varied card game in the world. In England, they call this game Patience, and for good reason. Solitaire requires little set up beyond putting cards in specific places, and is usually played by yourself. Solitaire is another popular airport line waiting game.

12. Rummy and variations

There are lots of different kinds of Rummy, more than are probably written down on any list. I’ve written for a website that had me list 500 variations or other names for Rummy, so I’ll spare you the reading and just say there’s lots of kinds of Rummy. The more popular versions are called Gin Rummy, Liverpool Rummy, and Contract Rummy. The feature that makes a game a Rummy is a player matching identical cards into pairs and other groups. Some experts believe the Chinese game of Mahjong is part of the Rummy family, though I’d bet the Chinese are just fine with Mahjong as it is.

13. Pai Gow

This is an old Chinese domino game that has been passed down through the years as a poker variation. You’ll see Pai Gow at casinos in both as a poker and a domino game — it is probably the casino game that the least number of people understand. This is a game of fast bets, player versus dealer. Pai Gow strategy is just as rich as any other poker betting game, and the culture of Pai Gow is similar to the Blackjack culture — super-fast bets and edgy behavior at the margins.

14. Spoons

A silly card game probably invented to keep kids out of trouble, Spoons is a bluffing game (with some elements of matching) that uses simple kitchen utensils as an added play element. The first player in the group to draw a poker style four of a kind reaches to a pile of spoons in the middle of the table, signalling the other players to grab for one. Since there’s one less spoon than players, one player will be left out every time. So its a social interaction game, and not a game chock full of card strategy. its still fun. Great date night game.

15. Speed

Speed (sometimes called Spit) is a matching game that is unique because both players play simultaneously and as fast as they can. In Speed, a player tries to ‘get rid’ of his or her cards by matching them to cards placed face-up on the table. This is a face to face game, though there’s actually little interaction between the two opponents. The last few moments of any game of Speed reminds me of solitaire on fast-forward, with hands and cards flying around and rows forming and draining like water pipes. Strange game, Speed.

16. Crazy 8s

This is another children’s matching game, you could say it is cousin to the popular game Uno. The 8s in the deck of standard cards are considered “crazy” not because they need to be medicated but to indicate they are wild cards. In some variations of Crazy 8s, not just Wild Cards but other “rule cards” exist, making the game more complex for older players.

17. Slapjack

If you want to teach more complex card games to younger kids, Slapjack is the perfect vehicle. Th
e object of Slapjack is to acquire the whole deck of cards by matching and slapping pairs. Kids like to slap stuff, and the game can be played over and over again.

18. Old Maid

You don’t need an “Old Maid” deck to play this kid’s card game — any standard 52 card deck will do. Just remove one of the Queens. Old Maid is a matching game where players find pairs You trade cards with your opponent until that player is left with the unmatched Queen. Matching games are popular, and the novelty “Old Maid” packs are fun for kids.

19. Cribbage

This is a hybrid board and card game with complicated rules that generally intimidates people, even hardcore card gamers. You play cribbage by forming groups of cards that are worth different point values, and moving a peg on a board that represents your progress accordingly. Requiring a specific board (or a quick hand with a pen and paper) cribbage isn’t the best travel game, but as fans of cribbage will tell you, no two games are alike. There are solitaire versions of cribbage, and other varieties of cribbage game play to choose from if you’re bored with the standard version.

20. Pinochle

Pinochle is popular because it is a trick-taking game that you play with a 48 card deck. In Pinochle, you try to make melds or tricks, much like in Gin, but there’s a really complex scoring system making the game fun to learn and to master. To be good at pinochle, you have to play for a number of years, and lose plenty of hands. Though it is less popular year after year, Pinochle is one of those “heritage games”.

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Business Travel Tips

Business Travel Tips; Reduce Stress and Enjoy Yourself

Traveling for Business is Less Stressful When You Take Time to Prepare and Organize.

Here are a few tips for your business travel that will make that time away from home just a bit more enjoyable. Let’s start with packing for business travel. Start with the purchase of a good carry one bag. Any seasoned business traveler will tell you carry on is the only way to travel. It will keep you out of baggage claim and you will never have to worry about lost luggage. Buy a couple of good quality pieces constructed of polyurethane-treated fabric that have nylon zippers. The polyurethane will keep the moisture out and the nylon zippers are far less likely to snag.Consider keeping a duplicate of as much as possible when it comes to those things that you use on a daily basis such as your toiletries. This way you won’t have to worry about unpacking them when you return home. They can just stay in your business travel bags. You may also think about going to your local drugstore to purchase trial sizes of your toiletries. Try to pack your bag with space saving in mind. Cut down on the number of business suits for example by packing alternate shirts and ties that will go with the same suit.Women can change the look of a suit with different blouses, scarves, sweaters or jewelry. Pack socks and underwear inside your shoes. Not only does this save space but it will also help keep the shape of your shoes. Pack your belts around the edge of your suitcase. When considering the items to pack think of those things that are necessities and those items that may make your business travel just a little more comfortable.

Here is a business travel tip when choosing your mode of transportation. When choosing transportation for business travel the distance that you will be traveling should be considered. Although air travel is the first choice when it comes to long journeys for a shorter trip that is only a couple of hundred miles away a train or automobile may be the better choice. Take into account the time you would spend traveling to and from the airport. Also, don’t forget to consider the amount of time taken at the airport to check in, board, disembark and then find transportation to your final destination etc.

If you do choose to fly consider alternative airports just outside your departure and destination city. Typically these airports may have fewer flights but also will have less chance for overbooking and delays.

Always try to stay in hotels that cater to business travel. Most of these hotels will have high- speed internet access and will offer access to business machines. For unbiased reviews from other business travelers just like you we recommend that you research
hotel reviews at TravelPost.com

One of the more important business travel tips is to check your cellular service prior to leaving for another city. Check with your cell phone service provider. You may find that they don’t provide service where your business travel takes you and therefore you will need to find an alternate carrier for this trip.Can you imagine not finding out until you’re there!

Hope that you will find these business travel tips helpful and may all of your business travel bring further success!

Book Review – Bad Land, An American Romance

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Johnathan Raban’s Bad Land: An American Romance brilliantly and descriptively describes the attempts by would-be farmers and ranchers, those of the late 19th Century and the early 20th Century, to make a living on highly questionable land. This land, most of it in eastern Montana and the western Dakotas could have been described as marginal land, but Raban’s fact-finding mission has made it abundantly clear that these lands were less than marginal.

The federal government and railroad companies would benefit by having settlers in this region. Their benefits: There would be more products to ship to and fro and travel to this region would be greatly increased. However, as Raban documents and, I have seen first-hand, this marginal land had shallow topsoil, heavy wind patterns, low precipitation, and extremely frigid winters; and, the efforts to cultivate the arid land were seldom rewarded.

This book was written in a casual, personable manner as the author walked this region and perused some of the failed homesteads. It is drama indeed as Raban explored the remnants of these numerous failed homesteads. He even found a book that described the best method to prosper on these arid farms. The book was entitled Campbell’s Scientific Dry Farming Techniques and it was subtitled The Camel for the Sahara Desert and the Campbell Method for the American Desert. According to meteorological figures any area with an average annual rainfall of less than three inches per year would be classified as a desert region. This eastern Montana region is certainly considered desert as most of it averages less than the three inches of rain per year.

Like Raban, I too, have walked this land, but I walked it for a different reason. I was in search of sharp-tailed grouse and the elusive sage grouse. I was amazed, those many years ago, to have seen so many remnants – remnants of rotted and fallen wind mills, broken and gray boards of outbuildings, barns, and house, as well as, vacated rock foundations, long-rusted barbed wire fencing, fence posts that were rotted and lying flat on the ground, and space – wide open space… endless space. Raban’s book told a story of the many courageous human attempts to produce on this infinitely poor homesteading land, bad land. The government pamphlets and railroad brochures were, no doubt, at least spurious, if not downright lies.

Raban had an inspirational idea to write this story, and he followed through – brilliant inspiration, first-hand research, and highly descriptive writing!

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Biography Collection of Great Past Entrepreneurs – A Book Review

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Andrew Carnegie has been noted for saying that if you want to be successful in business then you must do what successful people do. And to do that you must study how they lived, what they did and get some insight into their methods of operation. This is indeed good advice which no one can deny. Perhaps, this is why business students, professors, and future entrepreneurs study all the great business leaders of the past?

Since this is the case, I’d like to recommend a very good book to you about past great entrepreneurs, it is a collection of their biographies, shortened of course, and it is still on my bookshelf after all these years. The book is:

“The Entrepreneurs – Twelve Who Took Risks and Succeeded” by Robert L. Shook; Harper and Row Publishers, New York, NY; 1980. ISBN: 0060140259.

There were numerous standout great quotes, one of them that I liked was by W. Clement Stone; “I don’t care what field you are in, anyone who truly wants to be successful must develop a plan to duplicate their success.”

Another great thing the reader will take away from this book was the authors note that if you want to win in business you must have goals; “Write down your goal, give yourself a deadline, set high standards, aim high.”

This book profiled such great past entrepreneurs as; John W. Galbreath, W. Clement Stone (insurance), Mary Hudson (oil), Dale W. Lang (media), S. Roger Horshow, William J Richards (farming), Mary Kay Ash, Joseph Sugarman, Richard Schultz, William McCowan, and John Delorean. And it explained their similarities, attitudes, methods, big business deals and drive. I know you will love this book as much as I did and hopefully like me you will keep it on your shelf for a reference, please consider this.

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Business Traveller Flying to London? A London City Guide for Getting to the Centre

London. The vibrant, beating heart of the United Kingdom. It’s one of the world’s most popular destinations for tourists, and for business travellers too. The amount of commerce that goes through London is staggering, with a financial centre second only to New York, and service industries that cater for both the UK, European and international markets. As the world’s most multicultural city – there are over 300 languages spoken by a population of over eight million people (twelve million if you include the metropolitan area) – the opportunities for business are clear.

With the UK strategically positioned for the business traveller on the western edge of Europe, London is a global hub for air travel, providing easy access to mainland Europe, and a stepping stone to the United States. Primarily served by five airports – Heathrow, Gatwick, City, Stansted and Luton – London is easily reached from anywhere in the world. But with the exception of London City Airport – smallest of the five and located in East London, close to the business district of Canary Wharf – the other four airports are satellites evenly dispersed around the city. The most popular, Heathrow, is located to the west of London; Gatwick is situated to the south; Stansted to the north east; and Luton to the North West. Knowing this before you make your travel plans can be useful. Since the greater metropolitan area of London covers over 1,000 square miles, your final business destination may not be right in the centre. Researching which airport is closest to your destination can save you time, effort and money.

However, whether you’re a business traveller flying from within the UK or from overseas, your starting destination may often determine the airport you arrive at. Other factors, such as your chosen time of travel, budget and availability will also make a difference. For example, if you’re travelling with a major international carrier from a major city, such as New York, the chances are you’ll arrive at Heathrow or Gatwick (Stansted also receives flights from New York but is the smallest of the three). If you’re travelling locally from within the UK with a budget carrier you’re more likely to arrive at Stansted or Luton (though not exclusively). And if you’re travelling from a major European city, particularly a financial capital, such as Frankfurt, London City Airport is a likely arrival point (the airport was created specifically to cater for short haul business travellers, particularly between financial centres).

Each airport is served by comprehensive rail and road infrastructure, providing business travellers with a variety of options to enter London. All five airports offer direct rail travel into the heart of Central London, coach travel to the main Victoria terminus, and hire car, mini-bus, licensed black cab and taxi services by road. If you’re a VIP business traveller, chauffeur services are also available, and with the exception of London City Airport, each also offer direct helicopter transfer into the heart of the city.

London Heathrow Airport

The busiest of the five airports is London Heathrow. Located less than twenty miles from central London, Heathrow is situated to the west of the city within the M25 motorway metropolitan boundary. The fastest route into London is via the Heathrow Express train service, taking just 15 minutes from terminals 1, 2 and 3 to Paddington station (located on the western side of Central London). If your flight arrives at either terminal 4 or 5 it’s a further four and six minutes travel time respectively, and you’ll need to transfer on to the main London-bound service at terminals 1, 2 and 3.

The service is excellent, offering comfort and convenience, but does not always suite everyone’s travel budget. The standard ‘Express’ single journey ticket costs £21.00 (€25.00 / $35.00), but business travellers can get better value when purchasing a return ticket, priced at £34.00 (€40.00 / $56.00). The ‘Business First’ ticket is more expensive, with singles costing £29.00 (€35.00 / $48.00) and returns £52.00 (€62.00 / $86.00), but it does afford business travellers considerably more leg room, the privacy of a ‘single seating’ layout, and a fold out table. The experience is akin to that of air travel. All passengers across both pricing structures enjoy access to electrical sockets, USB ports and free Wi-Fi. The overall quality of service and passenger experience generates a ‘wow’ factor, and if your budget can afford it, is certainly the smoothest, quickest and most convenient way to travel into London from Heathrow. Trains run regularly every fifteen minutes in both directions, particularly useful for last minute dashes to the airport.

There are two further rail options available to business travellers, both considerably less expensive, though this is reflected in the quality of service. That’s not to say either is not a good solution for business travellers, just that there is a noticeable difference in convenience and comfort.

With a service typically running every thirty minutes, and a journey duration – depending on the time of day – of between 23 and 27 minutes from terminals 1, 2 and 3, Heathrow Connect is more than adequate for business travellers who are not in a hurry. Like the rival Express service, Connect also arrives at Paddington station, but unlike its faster rival stops at up to five other stations before reaching its terminus. The ‘inconvenience’ of this less direct journey is compensated for by a considerably less expensive ticket price. Single journey’s cost £9.90 (€12.00 / $16.00) while a return is £19.80 (€24.00 / $32.00). There is no saving to be made from purchasing a return ticket. While the convenience and comfort of the traveller experience cannot match the Express, the Connect business travel solution is an acceptable compromise that suits a greater number of travel budgets.

The third – and least expensive – rail option is the London Underground ‘tube’ network. Despite the network’s name the majority of the journey from Heathrow is overground, until the business traveller nears Central London. Starting on the Piccadilly Line, the service connects all five Heathrow terminals and provides frequent trains into London, stopping at a considerable amount of outlying stations before arriving in the capital’s centre. This continually ‘interrupted’ journey – there are seventeen stops between Heathrow terminals 1, 2 and 3 and Paddington Tube station (the nearest equivalent tube terminus for a fair comparison) – and takes approximately fifty minutes journey time on average, considerably slower than its more direct rivals. This journey comparison also requires the inconvenience of a transfer between lines.

So why would the business traveller consider using the tube from Heathrow to Central London? Simple. The frequency of service, the array of destinations, and the cost. At a cash price of just £5.70 (€6.80 / $9.50) for a single journey in either direction during peak hours (06:30am to 09:30am), financially the Underground is an attractive option. At nearly half the price of the Heathrow Connect, and at just over a quarter of the price of the Heathrow Express, this service is comparably good value for money. Further value can be found if the business traveller purchases an ‘Oyster Card’, the ‘cashless’ electronic ticketing system beloved by so many Londoners. Available to purchase at Heathrow London Underground stations, this useful option allows you to get tickets cheaper than for cash – in this case a reduction to just £5.00 (€6.00 / $8.30). Off-peak travel with an Oyster Card offers even greater value, with Heathrow to Paddington in either direction costing just £3.00 (€3.60 / $5.00) per journey. The Oyster Card can also be used for unlimited travel on buses and trains throughout London, with a maximum daily spend capped at £17.00 (€20.00 / $28.00) peak time and just £8.90 (€10.60 / $15.00) off-peak for a six zone ticket (destinations across London are divided into six main zonal rings. Travelling from Heathrow to Central London crosses all six zones).

The Underground is primarily a city-wide mass transit system, rather than a ‘train’ service. As such the level of comfort and convenience is substantially less than that of both the Heathrow Express and Connect services, and at peak hours can be considerably uncomfortable. Having endured a recent flight, business travellers who choose this option run the risk of having to stand up the entire journey if travelling during peak hours. If the carriage is full to squeezing point (as is often the case at peak time) managing your luggage can be a challenge. It should also be noted that the tube network – which, as the world’s first urban mass-transit system is over 150 years old – is often prone to signal failures and delays. If the time between your arrival at Heathrow (don’t forget to factor in clearing immigration control, luggage collection and customs) and your business appointment is tight, particularly during peak hours, it is not unfair to say that you are taking a risk if you choose to use the Underground.

Compared to using rail, travelling by road into Central London is far less convenient. Like every major city around the world, traffic congestion plagues the streets of London. The M4 and A4 route from Heathrow into London is always busy and in parts can be slow moving at times. No matter what your method of road transport, the business traveller is vulnerable to the risk of delays and accidents.

Buses and coaches are plentiful. The dominant carrier is called National Express. They operate services between Heathrow Airport and London Victoria, the main coach terminus in London. From here travellers can travel to many other destinations around the UK. The coaches run from Heathrow Airport Central Bus Station, which is located between terminals 1, 2 and 3. Its well sign posted so easily found. If you’re arriving at terminals 4 or 5 you’ll need to first take the Heathrow Connect train to the central bus station. From Victoria Station you can get to any other part of London with ease, via the Underground, plentiful buses, local trains and licensed black cabs / minicab taxi services.

A single journey tickets start from £6.00 (€7.20 / $10.00), while returns cost £11.00 (€13.20 / $18.00). Although you can purchase your ticket at Heathrow, it is advisable to do so in advance, and online. This will ensure you have a guaranteed, reserved seat on your coach of choice, and also provide you with the opportunity to select a time of departure and/or return that best suits your needs. Typically this service runs three coaches per hour to and from London Victoria coach station. The journey time can vary, dependent on the route taken, the time of day and traffic conditions, but you can typically expect your journey to take between 40 and 90 minutes.

National Express also offers business travellers a Heathrow hotel transfer service to and from the airport, known as the Heathrow Hoppa. With hundreds of services each day running around the clock, it’s a clean, comfortable and affordable way to get about, costing £4.00 (€4.80 / $6.60) for single journey and £7.00 (€8.40/ $11.50) for a return journey. This service is particularly useful if your business appointment is located close to Heathrow and you have no need to travel into Central London.

An alternative to coach travel is taking a bus. This can be particularly useful if you arrive at Heathrow late at night. Depending on the day of the week, the N9 night bus runs approximately every 20 minutes to Trafalgar Square in Central London, from 11.30pm to 5am. The journey time is approximately 75 minutes, subject to traffic delays. It’s a very affordable service, and as part of the Transport for London infrastructure a single journey can be paid for with an Oyster Card (£1.40 (€1.70/ $2.30) or by cash (£2.40 (€2.90/ $4.00).

If your journey into London requires the freedom to choose to travel whenever you want, to wherever you want, or you simply require privacy, then private hire transport is readily available at Heathrow. If you’re just interested in getting from A to B and back again, without any other journeys in between, taking a licensed black cab or minicab taxi may suit your needs. Travelling in an iconic licensed black cab into Central London will take approximately 45-60 minutes, subject to traffic delays, and can typically cost between £50.00 (€60.00/ $83.00) and £80.00 (€96.00/ $132.00). If you do find yourself delayed in traffic the journey will cost more, since black cab meters also charge for waiting time when not moving. Black cabs are readily available at all hours, and good sign posting at Heathrow means they’re easy to find. At a squeeze up to five business travellers can be accommodated, though if you all have large luggage it will be a problem.

An alternative private hire to black cabs are licensed taxi services. This could be a better option for the business traveller, particularly if a number of people with luggage are travelling together. An array of vehicle types are available, ranging from standard 4/5 seater saloon and 6/7 passenger people carrier cars, up to 15 or 17 seater minibuses and even coach taxis. An added advantage is you can book your vehicle of choice in advance and at a fixed price. With so many different companies offering these services, prices – and quality of service – can vary, but typically for a single journey the business traveller can expect to pay a fixed, advance price of £40.00 (€48.00/ $66.00) for a saloon car; £50.00 (€60.00/ $83.00) for an estate car; £55.00 (€66.00/ $90.00) for an executive car; £55.00 (€66.00/ $90.00) for a people carrier; £65.00 (€78.00/ $108.00) for an 8 seater minibus; £80.00 (€96.00/ $132.00) for an executive people carrier; and £165.00 (€198.00/ $272.00) for a 16 seater minibus. Savings can be made on all tariffs if a return journey is booked in advance.

Travelling by black cab or licensed taxi affords the business traveller the freedom to travel at his or her own pace, and can take the hassle out of a journey. It can be a very relaxing way to commute from the airport into London, particularly after a long flight, and offers the business traveller an opportunity to unwind prior to their business appointment.

If you need to arrange senior executive or VIP transportation, chauffeur driven services are readily available (booked in advance) between Heathrow and London. The vehicle type and the length of time you require it for will dictate the price you’ll pay. Chauffeur driven services are readily available to find online. The same is true of helicopter charter services which can transfer the executive business traveller from Heathrow into Central London (Battersea Heliport) in approximately 15 minutes. Flightline Travel Management is experienced at providing our customers with both modes of transport, and we’re happy to take your enquiry.

All the Information You Need on Fur Coat Maintenance

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Fur is usually regarded as a great material because it looks stylish and luxurious. It’s also pretty comfortable, warm and lasts for a long period of time when appropriately cared for. A lot of people avoid purchasing coats and jackets made up of fur because they do feel that maintaining them could prove to be a bit expensive. Even though these kinds of materials are delicate in nature, you can easily take care of them just by following some crucial tips and instructions. The article discussed below will offer you some detailed information on fur coat maintenance.

Storage

The best method of storing fur is to store your coat and jacket in a place where humidity, ventilation and temperature can be easily monitored. In case you wish to store it on your own then you must ensure that you do keep it in a well ventilated, dry area. Fur is a wonderful material which needs some air and so you shouldn’t let it dry out by keeping it in an area which is absolutely dry. Try using a padded hanger for storing such a coat.

Cleaning

Fur must be properly cleaned and washed twice a year, even if you don’t wear it quite often. When several specialists clean such coats, they do condition them so that they don’t get damaged easily. If your budget allows, you could consider hiring a dry cleaner for this purpose. Ask them what kind of a method they are going to use for cleaning the jacket. The chemicals used for cleaning purposes must be good in quality so that they don’t end up ruining your coat made up of fur.

Water

In case your coat gets completely immersed in water, it is essential to seek guidance from an expert cleaner functioning in your area. Drizzle and snow, however, won’t be a big problem for most of the coats. In case your coat gets drenched in the rain then you just need to shake it out a bit to get rid of the moisture. Never use heat for getting rid of the remaining moisture in your coat.

Some additional tips for fur care

You should avoid spraying all kinds of chemicals such as hair spray or perfume directly onto the coat. Avoid fastening small pins onto your jacket as they could damage the fabric badly.

These are some of the crucial things that you should remember about the maintenance of fur jackets and coats.

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Combining Your Vacation and Business Travel to Save on Taxes

A vacation can be quite a high expenditure, yet may be a necessary break for you and your family. As vacations are typically considered a luxury expense, it means that you have to bear all the costs for your vacation with no help or breaks from Uncle Sam. However, with proper tax planning, you can deduct some vacation expenses under business travel. This is common practice is especially popular in the corporate world. Ever wondered why management meetings, corporate strategic meetings, or client entertainment are done in extravagant and lavish hotels?

You need to be careful when deducting the vacation/”business” expenses to ensure that you are within the rules of what the IRS qualifies as permissible costs. Furthermore, besides business travel, you can also deduct expenses for travel that couples as trips in looking for a job. These tips will help you properly plan your trip and maximize on possible “business” deductions:

Job Hunt Travel Expenses

The tax code allows for individuals to deduct travel expenses for travel to look for employment, even if one does not consequently get a job. However, you need to have been searching for a job that is in line with your current occupation. You cannot claim deductions if you are a first-time job searcher or if you are looking for a job outside your current career field. The IRS does not also allow taxpayers to deduct expenses if they have been unemployed for a long time and are looking to get back into the job market, even if their search for a job is within his or her former business or career specialty. The IRS permits deductions for expenses including travel, meals, and lodging accommodations. Therefore, when planning your vacation, you can combine the travel expenses with the expenses accumulated in search of new employment to claim the deductions.

Transportation Costs for Business Travel

Business travel deductions come with several rules that have to be carefully followed. The IRS is aware that a lot of business expenses can be misused to cater to personal expenses. Therefore, this could be a red flag area for IRS audits and therefore, you need to be careful when claiming such deductions. Costs for transportation within the U.S. are allowed if a trip has a business purpose. For international travel, a taxpayer will need to demonstrate that at least 75% of the trip’s purpose was for business to have the costs allowed as a deductible. If not, the taxpayer will need to set aside the business elements of the travel costs from the personal elements. If business travel is on a cruise, then it has to be on a U.S. vessel and the vessel must avoid docking at foreign harbors to be tax deductible. The business expense deductible for a cruise has at a cap of $2,000.00 a year.

Accommodation and Meals for Business Travel

For accommodation and meals, one needs to show that the stay was business-driven. However, you can overstay in your travel destination and enjoy a vacation after the business dealings are done. In such a case, you can only deduct the transport expenses and the expenses incurred during the business period of your trip. You will have to shoulder the full expenses of the extension time, as this is a personal expense. For business meals for yourself and your business associates, the tax code allows for only 50% of the cost to be deductible (you will need to foot the other 50% without a deduction break).

Other Expenses

The IRS also allows the deduction of any other business-related expenses while on your business travel. These expenses include tips, any taxi or car hiring expenses, phone calls, Internet connectivity charges, and laundry. However, the expenses need to be reasonable to avoid unnecessary audits. Furthermore, the IRS can reject deduction claims based on the levels of extravagance. There is a fine balancing that needs to be practiced here to avoid any IRS problems.

Travel with Family

If your business and vacation travel includes your family, you cannot deduct any of the expenses relating only to your family. You can however, deduct any costs that you shared with your family as business expenses. If for example you traveled to your destination for business in your car with your family in tow, then the transport will be an allowable business expense. You can also combine other costs such as car-hire costs and shared accommodations.

Why not combine business with pleasure? If you have the opportunity to travel for business, you can enjoy some new restaurants, hotels, or entertainment spots with your business associates and be able to get some tax relief from Uncle Sam. Or, maybe you can take some “personal time” on the road and do some job hunting on your trip to get some tax breaks.

Funding Your Bachelor Degree Education

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For the average working adult, going back to school can be one of the largest investments he will make in his life. But if you have some time before you pursue your studies, instead of applying for a bank loan, why not let time and capital work for you. Even if you plan to pursue a bachelor degree in the near future, say, in three years more, you can still save for it.

First of all, you need to have a target amount. Usually, the course fees represent a large portion of the cost. Other costs are examination fees and living expenses for those who come from other towns.

Some students may choose to study full time so that they can focus on their studies. In this case, if your employer doesn’t give you paid time off to do your studies, your budget will increase significantly, as you now have to account for your entire living expenses. In addition to that, you’ll still have to continue paying for things like insurance, car, mortgage, credit card as well as utility bills.

However, expenses can be higher if the course is done part time, as the person has less time to devote to his studies. As a result, he may have to prolong the program or even have to re-sit some papers, which means additional examination fees.

How much time you have to put aside the money depends on when you plan on taking up the program. When is the ideal time to start? To get more out of a bachelor degree, it would be good to have real world working experience of two to three years, on which to reflect upon when you’re doing the units.

At least three years of working experience would be good but you shouldn’t wait too long as the motivation level will drop. Even if you commence your studies in three years, you don’t have to pay the money in one lump sum. You can save through the study period as well which, gives you more time to accumulate funds.

Many education centers and colleges have worked out interest free schemes that you can use to your benefit. You can let your money work for you while you use the interest free payment option.

There is also an option for students to pay their fees in the monthly payments over the period of study and if the amount is paid in a lump sum, students are given a rebate. Another option is a scheme in collaboration with a bank, where students pay few hundred dollars at the start of the program and nothing else for two years. Thereafter, they have the option to repay in installments upon completing their studies.

Finally, you need to work backwards; given the number of years, inflation rate and a projected rate of return to come up with how much you need to put aside regularly. However, inflation may not have a large impact if your study period is short.

Once you have the total figure, you can start saving but you may not have to start from scratch. Perhaps you need not finance the whole amount yourself. Though the competition for scholarships is high, you may run into a bit of luck.

With a short time frame of three to five years, there are few choices in terms of investment vehicles. If you only have three to five years, you should seek a liquid and low risk investment such as putting your funds into a portfolio of fixed deposits, bonds and balanced funds. However, the chosen investment vehicle should also take into account the individual’s own risk profile and how much return is required as well.

Last but not least, it is important to review your plan regularly and rebalance your portfolio accordingly.

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Why International Business Travellers Need Specialized Travel Insurance Cover

In this work driven world, people are goal-oriented and often financially driven; and sometimes people take for granted the importance of physical safety. Insurance makes security tangible. The insurance industry has delved its hands into various aspects of life, securing animals to kids to education to cars. You name it, insurance can secure it. Insurance has become so important in our everyday life that it’s now considered an imperative need.

The largest group of insurance companies are engaged in the travel insurance business. These insurance companies typically offer specialised policies to business travellers. The policies cover risks associated with international or domestic travel which include accidents, deaths, trip cancellations, lost tickets, damage to properties like car rentals and other concerns related to travelling. Procuring this type of insurance is important because it provides security not only to the traveller but also the employer.

Business travellers, especially those travelling internationally, are people on the go. Their employers are potential policy holders. Business travellers are exposed to more risks. The risk covered by the corporate travel insurance is unique to the business the traveller represents. For example, a business traveller working as a car dealer meets an accident while on a Cessna plane can be compensated by a travel insurance covering the risks of medical expenses while working on the job. In getting a corporate travel insurance policy, it is important to tailor the policy in order to cover all the risks that the business traveller is exposed to in relation to the work he’s involved in. Equity dictates that tailored fit policies are necessary for the safety and security of both the employer and the business travellers because of the basic reason that their travels are considered work; it is but a natural obligation for the employers to compensate and insure them.

Corporate travel insurance differs from the usual holidaymaker insurance because it cover more risks and could be specialised in accordance to the type of business the business traveller represents. For example, if the business traveller is working for mining company, the travel insurance policy can include accidents met while visiting a mining site. Because of this specialisation feature, the premium paid for these corporate travel insurance is higher than the usual travel insurance.

A tailored corporate insurance policy is being offered by various insurance companies. One of the most comprehensive policies is the group business travel insurance. For this type of insurance, it is important that the insured or the policy holder is the employer and the beneficiaries are the employees or group members. As to the requirements, each insurance policy provides for different requirements; basically if the employer can pay the premium and the insurance company is willing to cover the risk then a tailored group business insurance policy can be issued.

People work to earn a living. Often than not their work is the cause of their injuries. It is important for employers as well to prevent lawsuits filed by employees they send for travel. The best and equitable solution is to procure corporate travel insurance.

Swimming With Maya – A Story of Resilience and Love

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Swimming with Maya appeared on my TBR (to be read) pile toward the end of my pregnancy. The memoir was said to be “heartbreaking and heart-healing,” but I was pretty sure I would never be able to handle the heartbreaking part under the circumstances. I picked up Swimming with Maya and put it down after a few pages. I loved the story but was fearful of how I might deal with the loss and heartache Eleanor had to endure. Vincent’s writing and her triumphant spirit kept pulling me back in. I was so drawn in by the heart-healing part of the story that I found myself enjoying the memoir so much I couldn’t put it down.

No parent wants to think of the unthinkable death of a child; and yet each of us does. We don’t want anything to happen to our children, and yet as we carry them we fear miscarriage, after they are born we worry about sudden infant death syndrome, then there are school shootings, traffic accidents, etc… since death is a fact of life, we encounter thoughts and fears of loss each and every day. Eleanor Vincent raised her two daughters, Maya and Meghan, virtually as a single-parent and in my opinion this makes the mother-daughter bond even stronger.

It’s impossible to imagine what Eleanor Vincent was feeling when her 19 year old daughter, Maya falls from a horse and is left in a coma which eventually took her life. Eleanor’s made the courageous decision to donate Maya’s organs. Eleanor uses her difficult situation and Maya’s death to tell an inspirational and motivational story and Eleanor is even stronger (as is the reader) at the end of the story.

Swimming with Maya was more about triumph than I had imagined. I was thankful to have read through the difficult times to see the memorable and motivational message. I admire Eleanor Vincent for being able to put her story down on paper for all to read. I cannot imagine the tears that were shed as she relived those moments that would forever change her life. Thank you to Eleanor, Maya, and Dream of Things Publishing for sharing this triumphant story with readers everywhere. My personal thanks to Eleanor for writing in such a way the healing is more pronounced than the hurt – it was this reason alone I was able to read and finish Swimming with Maya.

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