Shopping for Cruises Online! How?

Are you planning a cruise vacation but do not know where to start? Have you shopped for a cruise vacation? How did you accomplish your shopping? Did you do your shopping for cruises online? Were you successful in getting the best cruise vacation for you?

I could continue with questions regarding cruise shopping and in particular on-line cruise shopping. But that would not accomplish much without some answers to some nagging questions:

1. Where do I start to find the right cruise vacation?

2. How can I find a cruise vacation itinerary that suits me, my family, my loved one?

3. What cruise line should I consider for my vacation cruise?

4. What stateroom category would best suit my vacation needs?

5. How can I compare cruise vacation deals?

More questions. Perhaps we can answer a few of these questions and help you plan the perfect cruise vacation and purchase the best cruise deal.

Planning a vacation can be an exciting part of the vacation experience as a whole. As you explore and research, the excitation buildings. You become more and more interested in finding information – without being overwhelmed – and can get great satisfaction that you will purchase the very best cruise vacation deal.

Where to Start Shopping for Cruises Online!

One can find information on cruise vacations in many locations – newspapers, friends, "brick and mortar" travel agencies and cruise travel agencies, and on-line. The best bet is to start researching for your self. Decide on where you would like your cruise vacation to travel – should it be a warm winter vacation, a fascinating and relaxing Alaskan cruise, an interesting European vacation cruise or an exciting adventure cruise. At a1-discount-cruises.com you can find merchant links, and more importantly at the start, articles about cruises, cruise itineraries, cruise lines, cruise ships, cruise wear and more to help you plan your special cruise vacation.

The Cruise Vacation Itinerary!

You have already decided on the destination of your vacation cruise. The internet allows you the quiet time needed with all resources necessary to research your cruise vacation destination. You will have no salesmen pushing a particular cruise on you because they get a special incentive to sell that cruise. You can investigate which cruise lines travel the chosen destination and find itineraries that intrigue you. A1-discount-cruises.com offers articles regarding many cruise destinations and itineraries.

What cruise line?

This question requires you to look at your lifestyle and what you would like and expect a cruise vacation to be. Different cruise lines offer different price points, different levels of luxury (although they all offer a certain amount of luxury), and different styles.

Generally speaking, the higher priced cruise lines offer a higher level of service, cuisine, and staff per cruise passenger. This does not mean that the "high end" cruise lines are right for everyone. We've all heard Carnival's advertising – "The Fun Ships". These ships and the "Free-Style Cruising" of Norwegian Cruise Lines tend to be more relaxed and less formal than say Radisson Seven Seas. It becomes a matter of preference at this point. Specific ships can also offer different levels of comfort, formality and service.

Which magnificent stateroom?

The question of what level of stateroom is a matter of taste, preference and of course cost. If you do not plan to spend much time in your room, sometimes an interior room would be suitable. These tend to be the best price point rooms as well. An "ocean view" room provides the passenger with a window from which to look at the day before getting ready for the day's events. Our personal preference is a stateroom with a private deck or veranda. We can sit early in the morning for a few minutes and enjoy each other's company taking in the fresh sea air. And later in the day, before getting ready for the fine dining aboard the cruise ships, we can again have our private time together sipping a glass of fine wine on our deck watching the islands drift by. Sometimes a suite is more suitable. On some cruise lines, the upper level of suites offers concierge or butler service. Whatever stateroom you choose, you will surely enjoy your cruise vacation in comfort.

How to compare Cruise Deals?

Now for the "biggie". How can I compare the cruise deals to get the absolute best value for me? If you have done your research well, it will likely be a simple task. "This cruise offers the itinerary on our preferred cruise line in the stateroom of choice at a price within our budget." However, you will want to compare deals with those exact specifications. At a1-discount cruises.com, we have a number of on-line cruise merchants who are waiting for you to send a request. Do not be afraid to offer your email address when requested. This will allow dialog without pressure so that you can ask questions or get clarifications in the privacy of your home or office. Check out two or three three – or more – of the merchants to see how their pricing is and what incentives if any they have to offer you. If you are still unsure about dealing with an on-line merchant, check out your specific cruise with a "brick and mortar" cruise travel merchant and compare the value.

After you have done this, you can book your cruise knowing that you are getting the best cruise vacation. You have planned for your needs, interests and lifestyle. You have compared pricing with a number of qualified cruise merchants. All that's left to do is book your cruise on-line and get excited!

Check out some of the other informative articles relating to cruise vacations at a1-discount cruises.com. You may just find the cruise vacation deal that's best suited to you!

Successful Investing – Helping Investors Avoid Common Investment Mistakes

The Top Mistakes made by Investors

In my dozen plus years of advising individuals and businesses I have found a number of common mistakes that have derailed even the best laid financial plans. I thought by sharing them I might be able to help others sidestep the pitfalls and the negative impact they can have on your portfolio and long-term financial plans.

1. Failing to establish a time horizon and investing accordingly -

If you have expenses that need to be funded in 3 years or less, you should not be investing the cash for them in the stock market or other risky investments. These monies should be carved out of your investment portfolio (the money earmarked for long-term investing) and invested appropriately in liquid assets such as money market funds or term-certain fixed income offerings. If the money is not going to be needed for 3 years or more, an investment plan should be established based upon specific a time horizon and risk tolerance for these funds.

2. Failing to thoroughly diversify your portfolio -

Many investors know about the concept of diversification and think that by owning different investments, they are diversified. Diversification of an investment portfolio makes good sense on an intuitive level. However, it wasn’t until Harry Markowitz published his model of portfolio selection that this concept became a formalized part of sound investment practice and formed the basis of today’s Modern Portfolio Theory. Beyond this basic concept of diversification, the key to Markowitz’s premise is the revelation that the risk of any investment can be reduced and/or performance increased by forming a portfolio of diverse and non-correlated assets. That is, it is important not just to seek a diversity of asset types, but also to seek assets that have low or near-zero correlations to one another. It’s not about owning different investments; it’s about owning different, non-correlated investments.

3. Letting potential tax implications rule your investment decisions –

Many investors delay selling an investment that has done well regardless of how good or bad the future looks for the holding. Their response is, “I will have to pay taxes if I sell.” By not selling, they set themselves up for not having to pay taxes at all – usually because the investment starts on a decline and their concern switches from “having to pay taxes” to one of “hoping for a turnaround.” Don’t be afraid to take some profits off the table. While taxes are an unpleasant result of investing, I prefer to look at them as a positive sign as it indicates you are making money and your investment plan is working.

4. Buying a stock based upon a “hot tip” -

Too many investors listen to a friend’s advice because he or she always seems to have the next “great” money making idea. They don’t take the time to assess the idea personally and jump in because it’s only a few thousand dollars they are investing. Unfortunately this is not investing – it’s gambling. If you want to gamble, go to Vegas and at least get free drinks, dinner, a show and a room for the risks you are taking. Any investment that is being considered for your portfolio should be thoroughly researched and have passed a comprehensive financial screening scrutiny.

5. Attempting to time the market -

Waiting an extra day, week, or month to try and buy in at the “right price” just doesn’t work. No one can predict the future. If they could they most likely wouldn’t be sharing this knowledge with you for free. Successful investors use time, patience and a disciplined approach to increase the likelihood of maximizing their investment returns – not trying to time the market. If you have done the research and the investment is sound and meets your criteria then buy it, regardless of timing.

6. Failing to regularly reevaluate your investments -

Over time all investment styles, strategies and types fall out of favor. So, like timing the market, it becomes virtually impossible to know what is going to be “hot” in the next bull market and what isn’t. For this reason it is always prudent to stay up-to-date on your investments to insure they are still the same investment that you originally purchased (segment drift and manager changes can be one reason they may have changed). If your investments consist solely of mutual funds then an annual review is a good place to start.

7. Basing investment decisions on emotion -

Maybe the stock market is going through a bad time because of a short-term geo-political or economic event. Stay calm and make an educated, well thought out decisions about what, if anything, to do. Assess whether the event will affect the economy long-term or if it’s just a short-term blip. The best move is often no move at all. If it is a short term incident, many times the smart, prudent investor will make additional investments because the current decline provides them with an excellent buying opportunity. The key to successful investing is to have a disciplined strategy and to stick with it.

8. Cashing out gains and dividends rather than reinvesting -

Once you’ve realized gains or had distributions and dividends paid out, insure they are reinvested back into your portfolio. If you pull out your capital gains, dividends and interest, your money won’t compound as quickly, thereby leaving you with a smaller chunk of change down the line. Letting your investments compound is one of the major tenets of successful investing.

9. Owning too much employer stock -

Many people get over-weighted in employer stock because of options and stock purchase plans made available in today’s competitive compensation packages. While these are great supplements to their annual salary they can put an employee in a position of having too much money invested in their employer’s stock. Additionally, it is quite common for people to invest in “what they know” and what do you know better than the company you work for? To compound the problem many people will add more employer stock to their 401k holdings and individual brokerage accounts. Not only does this create a diversification problem in their portfolio but it also subjects them to excessive single stock risk. A good rule of thumb to follow is to insure that no more than 5-10% of your entire investment portfolio is in any one single stock. If you find yourself in this situation the importance of creating a well thought out reduction strategy cannot be overstated.

10. Following the herd -

The most successful of all investors are moving in the opposite direction of what everyone else is doing. They buy when most are selling and sell when everyone else is buying. By following this simple plan you can preserve your capital and potentially sidestep the next bubble (can anyone remember real estate, internet stocks, and technology growth funds?).

11. Not investing at all –

Somehow in today’s society that Mocha Cappuccino Latte seems to take precedence over saving for the long-term. We are a society who wishes to satisfy the “here and now” rather than the securing our future. The important fact here is that those two are not mutually exclusive. In fact, BALANCE is the key in any long-term endeavor, but by always keeping an eye on the end goal you can make sure it is not out of mind while satiating the here and now.

12. Investing without a plan -

Investing without a plan and lacking the discipline to follow it is a sure way to lower your chances of success. The chances of obtaining any long term goal can be greatly enhanced by creating a strategy, following it and regularly reviewing it frequently enough so it reflects any changes that have taken place since implementation. Many investors start off with a small amount of money and start putting it to work without a plan. As time progresses they find they have a mish-mash of investments in their portfolio with no clear strategy or direction. It’s never too early to invest but it’s even better to invest early with a plan.

13. Taking too little risk -

Some people don’t want to take any risk and cannot stand the volatility involved with risky investments. While it may seem like you are keeping your money safe and secure by not taking risk, it is more than likely you are not because of inflation. If your time horizon is greater than 5 years it is recommended that you have no less than 25-30% in growth investments (i.e. stocks) in your portfolio to ward off the effects of inflation. The actual percentage to own is dependent upon many factors including but not limited to age, time horizon before money is needed, current financial situation, etc. A good general rule of thumb to use as a starting point for the percentage of equity you may include in your portfolio is “120 – your age.”

How E-Commerce Can Increase You Revenue

Small and medium-sized businesses (SMEs) 10 years back found it hard & highly costing to work Globally. But nowadays Internet has made things much easier, from Small shops to large enterprises are now doing online business internationally and available 24/7 for anyone in the world.

E-commerce Websites are cost effective and its staff reducing, Where online strategies that can deliver much greater returns on a limited budget with affordable and efficient website solutions.

While it is impossible to know how many people actually see print advertising, online advertisers can track precisely how many see each and every ad and how many website visits it generates, enabling businesses to attract the highest

volume of targeted traffic, at the lowest possible cost. Whatever the visitor action – making a purchase, signing

up for a newsletter, downloading a report, conversions are the key to measuring Return On Investment.

With e-commerce you will get the opportunity to build your All-Time-Open-Shop and offer all services & products online which can be purchased with a click of a mouse.

Professional web site design is critical for success in the modern Internet Business World. Offering an attractive, intuitive interface with a logical and easy to use navigation layout will make the difference between a happy visitor (and potential client) and a frustrated web surfer at your website.

Your website is an integral part of your image, identification and communication strategy. Successful web communication comes from grabbing your visitors’ attention and providing a website that is comfortable to use. your web site should do both-innovative design captures the eye and is followed by a familiar and easy to navigate path.

A well-designed website is a mission-critical investment in

o enhancing brand image

o building consumer confidence

o increasing willingness to buy

From overall Website design and architecture, the simple things like clear contact information and telephone numbers, testimonials and case studies. Customers want to find what they’re looking for.

Setting up all requirements to accept payments online and automating all the processes, its all depends on reliable Web Development & Web Hosting solutions to ensure the best performance of your e-business.

Your E-commerce business can have its own online customer service solutions to meet your customers satisfaction like:

o Complaints Management System

o Live Chat Support System

o Trouble ticket System

o Online Billing System

Wallrock Thermal Liners for a Building's Energy Efficiency

The Wallrock thermal liners have been used for the past few years but had remained an undisclosed breakthrough to the world. These wall coverings are manufactured with the aim to offer multiple benefits to their users. On top of the features' list is an energy-efficient thermal insulation to your buildings. In addition to this, these coverings give a stylish look to your existing rough plaster or textured wall surface by converting it to a smooth and plain surface. A few other features include soundproofing, damp fixation, and mold resistance.

Wallrock thermal liners carry the following benefits (but are not limited to these only);

  • A fast room cooling or warming with minimum energy consumption
  • A good fire rating
  • Free of any undesirable plastics like PVC / fiberglass
  • Hide the rough surfaces
  • Return a smooth and plain surface, ready for paint or other wallpapers
  • Induce an essence of breathing to your walls
  • Overcome the molds and dumps

The technology was originally developed for the automotive and space industry. To offer you the best of all the above-mentioned features, we have added more value to the existing technology by using our research and experience. A detailed explanation of working mechanisms for the above-mentioned features is presented below.

Saving the Energy:

If the rooms are lined with the Wallrock thermal wall covering, these are actually capable of reflecting warm air from walls back to the room environment. So the highest amount of heat is present to warm up your room consuming less amount of energy. The warm-up time is also reduced up to 65% as compared to same for the rooms with no such liners. If an automatic control of the heating system is utilized (ie using a thermostat), this will act as a booster for energy-saving.

Now let us see that what happens if there are no such covers on your room walls. Your heating system will initially heat the room walls themselves, and only after that, the room air can be warmed up. One might think about what magical property does these thermal liners possess? These actually give a thermal insulation between room air and wall so act as a cold reservoir for your heat energy. So the wall covering quickly warm up your room to a comfortable temperature. This energy-saving feature is also effective for the buildings equipped with ETICS (External Thermal Insulating Composite Systems).

To give you an idea, if a conventionally designed room takes about 100 minutes to warm up its air to 21 degree Celsius, the same warmth can be achieved in only 25 minutes by just adding these thermal wall coverings.

Mold Resistance:

You probably know that the room walls possess a lower temperature than the ambient room temperature, this welcomes the mold formation. This is the reason mold formation is more common for a rooms' outer walls as well as those near windows and doors. This affinity towards mold formation is due to condensation of warm room air over the colder walls. Such walls are actually pronounced to mold formation.

The Wallrock thermal wall covers provide the best solution to such problems. These permeable coverings offer an insulation between walls and room air, thus reducing condensation, moisture and mold formation.

Sound Proofing:

These thermal liners are capable of absorbing noise with a higher degree so rewarding you with an acoustically pleasant room environment. Even with an unpainted or uncoovered covering, the audible sound is absorbed to a factor of 0.02. This factor is equal to the performance of a velor carpet with 5 mm thickness for acoustic absorption.

Crack and Texture Coverage:

These liners are made up of flexible elastic fibers, and their thickness is capable of covering the class A and class B cracks in the wall surfaces. In addition to this, these are also capable of hiding the low to medium level textures on wall surfaces without any need of pre-levelling.

Now let's come to the specific point. If you need a high-quality thermal wall covering, we recommend you to choose the Wallrock KV600 thermal liner. It is actually an improved version of an existing thermal fiber liner backed with a novel thermal insulation material. The thickness is reduced to 25% of the conventional wall liners but benefits are almost doubled. You will not only get a quick warm up of your room but also this will save the heat energy to a greater extent thus reducing your utility bills.

In summary, the 3.2 mm thick KV600 is a highly durable wallrock thermal wall covering , which offers you mold and damp resistance, cracks coverage and sound proofing to a high extent as compared to conventional coverings.