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Once you qualify for a loan with 800LoanMart, it is important to use your money wisely and pay it back on time. Although many borrowers do not see this as a major means of establishing a credit record, dishonoring your commitment could have negative repercussions. Those who borrow often do so because their options of borrowing from traditional financial institutions is limited. They either have negative credit incidents in their personal history or have no record of revolving credit for lenders to approve. This can be quite limiting, and non-traditional loan firms help to give borrowers with these type of credit histories some more options.
It is important to use the loan for the purpose you tell the lender you are borrowing money. This not only helps to establish you as creditworthy, but it also ensures you are trustworthy in a lender’s eyes. If you do not honor what you say, it becomes difficult to do business with you in the future. Honest can lead to bigger lending opportunities in the future, but this is where you begin to lay the groundwork for those opportunities.
Paying back the money you borrow when you say you are going to pay it is equally important. It, too, builds trustworthiness. Even is something comes up like the loss of a job, it is important to stay in communication with your lenders and let them know your situation. Even if you cannot pay the entire amount when it is due, if you can pay something, it lets the lender know you are making a good faith effort to keep your word.Read More
Fist blows over reclining of a seat
A fist fight started as a result of an argument between two passengers over a reclining seat. One of the passengers started the fight after the other passenger reclined his seat on his lap soon after take-off on a United Airlines flight from Washington DC to Ghana. The pilot make a quick decision to return to DC as the passengers and crew separated them. In the return is was escorted by a pair of F-16 fighter jets.
Former football player and actor Vinnie Jones was given 80 hours community service after he admitted assaulting an airline passenger and threatening members of an air crew. As passengers and crew tried to restrain him, Jones reportedly declared: “I can get you murdered. I can get the whole crew murdered for £3,000.” Jones had allegedly slapped fellow passenger Stephen Driscoll who had accused him of being annoying. Jones was ordered to pay the passenger £300 compensation plus a £500 fine and costs.
The Whitney Houston impersonator
An American Airlines flight was forced to make an emergency landing last week when a female passenger refused to stop singing Whitney Houston songs. AA Flight 4 was en route from Los Angles to New York’s John F. Kennedy International Airport on May 9 when, according to the airline, the flight was diverted to Kansas City because of a “very unruly passenger.”
A video of the woman being escorted off the plane is available on the website of local television station KCTV. It shows the woman belting out “I Will Always Love You” as at least two uniformed officers accompanied her off the plane.
Man who allegedly slapped a baby
Joe Hundley, a 60-year-old-man traveling from Minneapolis to Atlanta, was accused of slapping a 19-month-old boy and telling his mother to “shut that n-word baby up.” The toddler’s mother, Jessica Bennett, told ABC News her son’s eye was swollen and bleeding and she was “scared to death.”
Hundley, who was employed as an executive at AGC Aerospace and Defense, lost his job. He pleaded not guilty to simple assault charges in a federal court.
Guy who got restrained with duct tape
A man on a January Icelandair flight was so drunk and belligerent, passengers said, that he had to be restrained with duct tape. The unidentified passenger allegedly downed an entire bottle of duty-free alcohol, according to a man who posted the photo of the duct-taped man on his blog. The airline accused the man of accosting and hitting people on the flight. Passengers say he even tried to choke the person next to him and screamed, “The plane is going to crash.”
Drunk ladies who swore at kids
Two reportedly drunk women forced the landing of a British Airways flight in Lyon, France, in late 2012. Flight BA2664 was headed from London’s Gatwick Airport to Tunis. The flight was diverted to Lyon, the airline said, following “the continued disruptive behavior of two female passengers.”
British tabloid The Sun reported the women were drinking Malibu rum and swore at children. They reportedly threatened the family of a British Airways flight attendant and tried to storm the cockpit and hid in the lavatory and tried to smoke.
The paper quoted a passenger as saying, “They decided they were going to meet the captain and marched towards the cockpit. It was very frightening.”
“Our customers and flying crew deserve a safe and enjoyable flight experience,” an airline spokesperson said. “We do not tolerate any disruptive behavior onboard our flights.
“They were handed over to the custody of the French police and detained upon arrival in Lyon.”
The lady who stripped
A woman stripped naked at Denver International Airport last year after being caught smoking in a non-smoking section of the airport. Airport spokeswoman Jenny Schiavone said it appeared the woman had some sort of a breakdown and the disrobing didn’t have anything to do with the smoking ban.
Denver’s Terminal B does have a smoking loungeRead More
Chances are, you have a smart phone! In fact you are probably reading this post on a smart device (or not :)). Smart devices have changed the way we consume information and made life a whole lot easier! Remember when you had to carry a suitcase full of books on you vacation? Gone. Nowadays you probably just pack your kindle, tablet, or smart phone, and with it more books than you can finish reading your entire holiday.
Each day apps keep coming up that simplify a different area of your life. From tackling your personal finances to finding your next meal. The apps – and your smart device – have got you covered. In that spirit then, let’s get you traveling smarter! The following five apps will transform the way you travel, for the better.
Kayak is a popular app that let’s you search and compare different flights. Not just that, you can search and compare hotels and other amenities as well. With Kayak you can sort the flights from the cheapest to the most expensive. Kayak also let’s you compare flights given their departure and arrival times. It has a simple, easy to navigate user interface. Its only downside is that you usually have to navigate outside the app to make any sort of bookings.
View and download Kayak here.
TripIt is a travel/trip planner in a class of its own! It allows you to organize all your travel details in one place. You know, all those disparate details and information you need for your trips. From flight departure times to bookings with rental car agencies and hotels, TripIt will organize it all for you. Easily plan your master itinerary with TripIt and view all details on a nice dashboard with the scheduled events and activities. You never miss a beat on your trip.
View and download TripIt here.
Airbnb helps you find accommodation wherever you are traveling! From hotels to private residences you can enjoy on a budget, Airbnb has it all. You can search, compare and view pictures of the potential destination residences as well as book and pay for a staying place using Airbnb’s secure platform. With the app you can easily communicate with your potential hosts and ask questions about the residence. The app lets you view your itinerary and get directions to your host’s residence all on the go!
View and download AirBnb here.
Skype requires no introduction! It let’s you easily communicate with friends, family and business partners all over the globe. It saves you the hassle of purchasing local sim cards and subscriptions by allowing you to make calls and text wherever you can get an internet connection. With Skype you can enjoy video and audio calls as well as file and photo sharing. Your family and friends are a Skype call away wherever your travels take you!
View and download Skype here.
Expensify is an expense tracker. With this app you can easily keep track of your expenses while traveling. Take pictures of your receipts and other expenses and expensify will do the rest. It is especially suited for frequent business travelers keeping tabs on business expenses. At the end of your trip, a free expense report is created which you can use to seek reimbursements.
View and download Expensify here.
Apps are a life and budget saver! With a few free travel apps you can transform the way you travel, from finding affordable flights and accommodations to keeping in touch with family and friends wherever you are. Get yourself some travel apps today. Your next trip will be a whole lot easier and pocket friendly!
Which apps do you frequently use when you travel?Read More
1. Use Credit Cards for Shopping.
Using your credit card to shop might be a quick way to score the air miles quickly. This can be great benefit for the lovers of shopping. There is no limit for for chances to open accounts for both Visa and MasterCard. However, before opening any account, its advisable to look into annual fees and APR rates.Most credit cards also offer bonus points by spending up to a certain amount, in the first months after purchasing the program.
2. Buy Miles from the Airline.
Another way of earning airline miles is to purchase them yourself. This is applicable in cases where you don’t plan to travel or do shopping with your credit card. Mostly you will get bonus points while you purchase the airline miles when a promotion is available.
Most airline also allow their customers to share their air miles to a family member or a friend. Donations in form of air miles can also be shared to the needy.This ensures that buying the air miles can never count on you.
3. Focus on a particular program.
When you focus on one program, you get a chance to pay attention for any offers and promotions they offer. This may end up helping you to earn a lot more air miles quickly. Also it gives a chance to see what partners they work with where you can earn bonus points.
Apart from that, you will be able to have a chance to access air miles offers such as car rentals, hotel rentals, etc.
4. Shop Online.
Another way of collecting air miles is using you card to shop online. You will find many online partners who are ready to help you check out your shopping. In most cases you will find yourself earning miles for any dollar spent on online shopping.
5. Redeem Miles.
Air miles can be redeemed for hotels, resorts, car hires etc. At the same time , you will earn miles at the same time. This can be very beneficial if you have many miles to redeem.
Alternatively, if you are not into flying, you can get a cruise miles card and enjoy the high seas and exotic destinations while raking in some points. With enough points you can slash your cruising budget, get upgrades in your cabins etc.Read More
First of all tell us the short version of your story.
I’ve always enjoyed traveling, but while I found trips to the Texas Gulf Coast to be affordable, trips to more exotic distant locations were not. Many years ago a friend sent me a link to sign up for Citi’s American AAdvantage MasterCard. Once we got that card my wife and I used it for all our purchases and, before too long, had enough miles for a trip to Hawaii. It may have been in coach, but it was still Hawaii. That was when I first learned the power of building up my miles and points.
A few years later we used Hilton points to spend 10 days at the Hilton Waikola on the Big Island, something we could not have paid for without the points. I was in the swimming pool and overheard two men talking about using miles to travel around the world and one said, “I look at FlyerTalk.com every day and have learned so much from it.” FlyerTalk.com? Never heard of it, but knew I had to check it out. I visited the site that night and that was my introduction to mileage runs, credit card churning, affinity programs, etc. Fabulous vacations were suddenly possible for me. In the past few years we have visited Ireland, Germany, Italy, Hawaii (several times), Hong Kong, Thailand, and Indonesia
What motivated you to start your blog?
I had never given it any thought, but every time I got home from a trip I sent a friend long emails about where I had gone, what I had done, etc. He suggested I start a blog – I said I had no idea what to write about. He replied, “Just write what you are putting in the emails to me!” And that is how Happy Flier began. I never realized where it would go, I even ended up on an episode of Nightline!
What advice do you have for someone looking to apply for an airline miles credit card?
The person needs to be able to answer the question “Why are you applying for this specific card as opposed to any other card?” If they can’t answer that question, they don’t need to be applying for the card. I no longer apply for cards so that I can charge items; I apply to get the specific benefits (usually airline miles or hotel points) that the card offers. Some cards are better than others, offering a larger bonus or greater flexibility. The two cards we use the most are the Starwood American Express and the Chase Sapphire Preferred.
What are your views on the churn and burn tactic where people are mass-applying for credit cards to get the bonuses?
It’s appropriate that “churn and burn” contains the word “burn.” This tactic is like fire which does wonderful things for you like providing light, helping to heat your home, cooking your food etc. But if you abuse it, it can destroy your home and everything you own. This is not something that one should casually do.
Unless you have a high credit rating and are able to pay off all of your purchases at the end of the month, stay away from churn and burn. There are several blogs, such as The Frugal Travel Guy and Million Mile Secrets that offer great suggestions on how to do this the right way such as when you should apply, which cards to apply for, the benefits you will receive, and the affect it can have on your credit rating. If someone does their research, knows what they are doing, and use their cards responsibly, churn and burn can be a great tool.
With many airlines struggling financially, do you think that they will eventually scale back their rewards card offerings?
As the airlines reduce the number of flights, increase their passenger load per flight, benefit from a reduction in fuel costs, and start to use more fuel-efficient aircraft, the bottom lines have improved greatly. Delta Airlines had a net profit of $281 million for the 1st Qtr FY 2014. American Airlines earned over $400 million for the same period. So, the industry is looking much better than it did a few short years ago. The airlines are paid a huge sum of money for the miles they sell to the credit card companies, so they will continue to milk that cash cow as long as they can. The problem is fewer flights result in fewer award seats for the card holders, while the airlines are, at the same time; making it more challenging to earn status (United now includes revenue as part of its elite status requirements instead of just miles). This makes it more difficult for the customer to take advantage of their miles. It used to be easy to get an award seat, but that is no longer the case. See my article on what I went through to get award seats for an upcoming trip to Bali. People will still be able to get their reward card offerings, my concern is whether or not they will be able to use them.
Do you feel that airline credit cards offer superior rewards compared to cash back or other rewards credit cards?
That all depends on the individual and what kind of rewards they want. Some are happy with cash back, I prefer miles and points.
Do you have any tips regarding earning more airline miles?
I believe you need to have a target number of miles in mind and not be earning miles just for the sake of earning them. Some people earn them to acquire airline status; I earn them so that my wife and I can fly in the front of the plane to exotic locations that we would otherwise never visit. Once you have that target in mind it becomes easier to figure out what you need to do to reach it. Maybe you need a few mileage runs or an additional credit card bonus. With its many forums, Flyertalk.com offers many suggestions for people to earn those miles.
How does it feel to fly around the country without ever leaving the terminal?
I just look at it as part of the process and something I need to do to reach my target number of miles. I’ve made connections several times in New York and Boston and really wished that I had had enough time to go into town, but the schedules would not allow it. On the other hand, I have visited Seattle so many times and gone into town (A Mariners game, the Boeing plant) that if I have to sit at SeaTac for a few hours it’s not a problem for me. I already know which airport restaurant to visit for great seafood. I am Admirals Club member, so can relax at the Club if need be. I bring my iPhone and tablet so I always have a way to stay busy (reading books, listening to music, playing games, etc.). It’s just not a big deal to me.
I made a recent trip to Johannesburg, South Africa. I know people who flew all the way there, never left the airport, and flew back later that day. That’s a 22,000 mile trip without leaving the airport and that just didn’t make any sense to me, how many chances would I have to visit that area? So I scheduled it as an overnight trip, giving us enough time to relax, see the area, and take advantage of being in an area that is so different from where I live in Central Texas. I am very glad we did that!. On the next trip we had a long enough layover in London that we were able to go into town
Of all the places you traveled to, what was your favorite?
That’s easy, Bali, Indonesia. We went there two years ago, and will go back for a few weeks later this year. We liked it so much that we actually talked about moving there permanently once I retire. It’s a beautiful area, the dollar is strong against the Rupiah, we never faced a language barrier, and appreciated the less-hectic lifestyle. My only suggestions for visitors from North America are;
- DON’T drink the water (I learned that the hard way after I drank a Coke with ice cubes in it) and
- DON’Tt even think of driving a car there, get a cab.
Do you have any major travel regrets?
I wish I had started collecting miles years earlier. Years ago I made several trips to Germany for work and never bothered to join the airline frequent flyer club. Dumb on my part. I also worked in retail for many years and remember people paying for their purchase with an airline credit card and bragging about the miles they were earning – I wish I had listened to them.
Aside from traveling, what’s the best general advice you want to pass to people?
YOLO! You Only Live Once! Make the most of it. Today will never come again, life offers so many opportunities. Travel. Go back to school. Volunteer to help a charity. Learn to cook Italian food the right way. Open your life to the many opportunities around you; you’ll be glad you did.Read More