Airport Transportation and What to Do

Finding transportation from the airport to your destination makes a lot of travelers weary. First of all, you have to find someone that you can trust and then you have to trust them to get you a means of transportation which is suitable and fits your needs and requirements. Secondly, the vehicle has to be comfortable and the airport transportation provider has to be flexible to your demands. Due to the increasing number of tourists, vacationers, businessmen and travelers flying in to airports at all times the demands for airport transportation have increased tremendously over the years.

Before picking a particular means of transportation you should know that there are different options and choices available to you. The times are long gone by when a taxi or a town car was the only option available for travelers as airport transportation. Different choices that you pick from are:

  • Airport Limousines

Airport limousines are readily available everywhere and are a great means of traveling. Limousines are not only luxurious but are also extremely comfortable to travel in. Their gleaming and sleek exterior combined with the luxurious and plush interior puts your body, mind and soul at ease instantly and you can relax and enjoy the rest of your travel in utmost comfort. Hiring a limousine has a lot of benefits. First of all, a chauffeured limo would be waiting for you as you exit the airport. The chauffeur would take charge of your luggage while you can make yourself comfortable to your limousine. These chauffeurs are some of the best drivers and will make your road travel all the more worthwhile.

  • Airport Taxis

One of the most common means of airport transportation taxis and cab services are virtually accessible from every airport around the world. You can hire a taxi for yourself from any of the booking offices located near the airport and you can also book one for yourself in advance over the internet or the telephone.

  • Airport Shuttles

Airport shuttles are also a favorite for many travelers because these are the cheapest means of airport transportation. Shuttles usually leave from the airport to the city at regular intervals throughout the day. Various hotels, spas and office groups have their own private shuttles which will take you directly to the respective destination without any stops on the way. Shuttles normally seat between 8-12 people and there is always enough space on board for you to stretch your legs and relax. Shuttles also have immense baggage space and you can fit as much of your luggage in as possible.

Whichever means of airport transportation you pick, just remember that priority should be given to a service which is reliable and professional and would value you as a customer.

 

Help in Getting an Auto Loan When Bankrupt

To get an auto loan with bankruptcy some steps must be followed before looking for a loans. You should get your credit report that contains your credit history. Make sure that your credit accounts listed are accurate and there are no open accounts that should have been closed. It is advised to add a small page that explains what caused the bankruptcy. In case of real mishap like medical emergencies that caused debt which resulted in bankruptcy the lender may give you better interest rates than in normal bankruptcy conditions.

Plan Your Car Purchase
Before a person with bankruptcy goes out to search for an auto loan he must make sure how much he can manage to pay as monthly installments. This will determine which deal in the market he should opt for. The amount and the period in which the repayment must be done are used to calculate the monthly payments. Do the math and find out which loan gives you affordable loan payments.

Restrictions in Auto Loan after Bankruptcy
Some restrictions or points that lenders stress are also faced by the unfortunate bankruptcy affected person. The first thing is that the bankruptcy should be discharged before lenders should give the loan. To be eligible for the bankrupt borrower must have minimum gross $1,500 income if his score is below 625. There should not have had any repossession in previous year.

The age limit is 18 and person should be a US resident if that person is in America. Down payment may be required as well because after bankruptcy auto loans are 8 times the persons monthly income. For instance, if the earning is $1,500 than the auto loan given is $12,000. The monthly payment should remain within 20% of the monthly earnings.

Reason for Above Restrictions
These restrictions for auto loan are enforced so that the already bankruptcy affected person must not fall in unmanageable debt problems and the lender is also protected. The interest rates on auto loans also vary according to the risk involved in lending and car chosen

Use a Car Loan Lender
The car loan lenders can be helpful to find you an auto loan. These lenders work with financial institutions and give loans to the people. Online auto loans lenders are a better option as you can find better deals than the local loan dealers. Interest rates on the internet range between 5.7% and 7.2%. The online company want the borrower to go through an authorized dealer which is necessary for lending to a bankrupt person.

Explain Your Situation
The auto loan application asks that why bankruptcy occurred. Don’t hesitate in telling and elaborate the problems that caused you the big financial set back. Tell them how you have now planned your finances to resolve your financial crisis. Do include improvement in the credit score.

Consider Refinancing
When you get a car loan you must look to refinance in future as well. In some years if you are regular in payments you will qualify for lesser interest rates.
Bankruptcy does have a lot of disadvantages over a person’s financial life. The biggest one is being unable to find low interest unsecured loans easily. Without a car a person really becomes crippled in a sense that he can not move freely in big cities not even a single town. With bankruptcy it becomes even difficult to get an auto loan.

To get an auto loan with bankruptcy some steps must be followed before looking for a loans. You should get your credit report that contains your credit history. Make sure that your credit accounts listed are accurate and there are no open accounts that should have been closed. It is advised to add a small page that explains what caused the bankruptcy. In case of real mishap like medical emergencies that caused debt which resulted in bankruptcy the lender may give you better interest rates than in normal bankruptcy conditions.

Plan Your Car Purchase
Before a person with bankruptcy goes out to search for an auto loan he must make sure how much he can manage to pay as monthly installments for the loan. This will determine which deal in the market he should opt for. The amount and the period in which the repayment must be done are used to calculate the monthly payments. Do the math and find out which loan gives you affordable loan payments.

Restrictions in Auto Loan after Bankruptcy
Some restrictions or points that lenders stress are also faced by the unfortunate bankruptcy affected person. The first thing is that the bankruptcy should be discharged before lenders should give the loan. To be eligible for auto loan the bankrupt borrower must have minimum gross $1,500 income if his score is below 625. There shouldn’t have had any repossession in previous year.

The age limit is 18 and a person should be a US resident if that person is in America. Down payment may be required as well because after bankruptcy auto loans are 8 times the person’s monthly income. For instance, if the earning is $1,500 than the auto loan given is $12,000. The monthly payment should remain within 20% of the monthly earnings.

Reason for Above Restrictions
These restrictions for auto loan are enforced so that the already bankruptcy affected person must not fall in unmanageable debt problems and the lender is also protected. The interest rates on auto loans also vary according to the risk involved in lending and car chosen

Use a Car Loan Lender
The car loan lenders can be helpful to find you an auto loan. These lenders work with financial institutions and give loans to the people. Online auto loans lenders are a better option as you can find better deals than the local loan dealers. Interest rates on the internet range between 5.7% and 7.2%. The online company want the borrower to go through an authorized dealer which is necessary for lending an auto loan to a bankrupt person.

Explain Your Situation
The auto loan application asks that why bankruptcy occurred. Don’t hesitate in telling and elaborate the problems that caused you the big financial set back. Tell them how you have now planned your finances to resolve your financial crisis. Do include improvement in the credit score.

Technology and Literacy Learning Through the Eyes of Students

The age of modern day learning has arrived. It is no longer a matter of whether we want to integrate technology and education; it is a necessity. The reality poses an immense problem and threat to the longstanding educational institutions that have for the most part remained unchanged for nearly a century. Who would have imagined that the alphabet’s letter “E” would forever transform the face of education to E-Ducation?

Technology in education has progressed from basic tools such as the abacus, pencil, ruler, paper and calculator to computers, laptops, iPads, tablets, software and apps. The technological advancements alone are forcing the manner in which teachers teach, how students learn, the ways schools are structured and breaking the barriers between home and school life. At its core, technology is impacting the very essence of the future of humanity.

Digital Natives: A Generation Dedicated to Learning with Technology

The prominence and rise of technology in the world applies to all aspects of life including how we learn. It appears that the days of “open your textbook, read the following pages and answer the questions” will be for the most part a thing of the past.

As educational institutions resist and make attempts to adapt, it is crucial to keep in mind the learning needs of today’s digital natives. The digital natives are those that were born during or thereafter the inception and introduction of digital technology.

This generation is not only accustomed to technological advancements and devices they expect it. As such, drastic measures will have to be implemented to meet the student’s expectations for learning. The key will be to adapt to an uncertain, modern, changing and dynamic global world.

Pivotal Technologies and Learning Portals

Technological advancements will allow education to be universally accessible, customized, individualized and highly adaptive. In essence, learning with technology is propelling independent learning to the forefront.

Now more than ever, students will have the opportunity to individualize and navigate the knowledge portals through pivotal technologies such as the Internet, Open Sources, Virtual Learning Environments and Mobile Learning Devices. Open Sources includes MOOCs and Web 2.0.

Massive Open Online Courses will allow students the autonomy and flexibility to choose what they want to learn independently. The Web 2.0 is simply the way new web pages are designed and used. Students will have a multitude of options by virtue of using Open Sources through a variety of Mobile Learning Devices.

Virtual Learning Environments will only enhance the learning experience by making it fun and interactive. Students will have a wide selection of learning mediums to complete assignments and receive feedback. Hence, the learning would be more interactive and engaging.

Individualized Learning and Bring Your Own Device (BYOD)

The role of the teacher would alter to monitor and provide feedback at an unparalleled level. Technology would of course also help the teacher with the many independent learning assignments, projects, presentations etc. of the student’s through the use of Learning Analytics. Learning Analytics is the accumulated of created data to continually evaluate and precisely guide student learning.

The digital natives are choosing their own devices to learn in a world that has cloud computing and the Internet. They are living in a digital information literacy online world. Their reality encompasses learning through educational games and virtual learning platforms. They are living in a world where the physical and virtual have amalgamated.

Learning with Technology from Students’ Perspectives

As such, what do kids think about technology and learning? How often do we really ask for their thoughts and opinions? Do we really take into consideration how and what they want to learn? Should what they have to say really matter how we as educators make decisions? Personally, I do believe that they do bring value to the decision-making table.

My sister in law is an eighth grade social studies teacher at a middle school. In a conversation with her, she mentioned to me the various ways she integrates technology in the learning. What I found especially of import was her comment on how the students use technology as easily as breathing.

She explained to me that now only do students expect it but that they demand it. She further informed me that it is a necessity and it brings lots of fun to the learning. As an educator, I firmly believe that learning should be continuous, fun, engaging, inquisitive, and ongoing.

Students are Right at Home with Technology

Humanity should be learning something new each and every day. It should be viewed from a window looking out into the horizon of each new day. It seems logical to catch a glimpse of learning through the eyes of children.

I often reflect on how my 7 year old niece sees the world and how through her eyes I learn something new every day. As Digital Natives do, she carries an iPad with her and frequently shares videos, cartoons, games, songs, etc. with me. I can literally say that I am learning things that a 7 year old child is learning.

Wow, the whole idea seems to put me in awe. What she has learned through the use of technology can be only termed as amazing. The ease, comfort and curiosity that impel her to learn independently without her parents or teachers imposing “because you have to” are truly remarkable.

Learning with Technology: A Necessity

Never in the history of our world has the trajectory of technology education been a certainty to create a better global society where one and all will have the opportunity and accessibility to be literate.

A view from a student’s perspective about learning with technology as mentioned above is a 6 part series that will include technology and students, learning with technology, student’s and iPads, learning with games and virtual learning. Stay tuned to next week’s blog article on students learning with technology.

The time has come when student learning has gone beyond the classroom because the use of technology. Now, student can engage in a much more interactive way to increase learning.

Article Source: http://EzineArticles.com/expert/Magali_Lopez/1830257

Article Source: http://EzineArticles.com/8325491

How to Choose a Technology Partner?

You have discovered the need to enlist the help of a technology partner, doesn’t seem like it should be too difficult to find, just Google it, right?

The dizzying amount of results that this simple search returns will put a kink in your plans to have a list of potential technology partners to your boss by this afternoon. There are a lot of things that need to be considered when picking your technology partner and a lot of criteria you should keep in mind when making this decision. Seize the opportunity to turn this decision into a strategy to stay ahead of your competition.

First, let’s define what a technology partner is and how a technology partner is different from any other technology company. Technology partners offer technical expertise to assist you with your technology needs. A technology partner works alongside your team, taking the time to learn your business and educate you on the technical options available to you. Rather than just waiting for the end product, a technology partner will communicate and collaborate with you throughout the entire project so that the final product meets your needs, saving you time and money. Now that we have defined what a technology partner is, there are considerations that need to be addressed prior to choosing the right partner for you.

You have discovered the need to enlist the help of a technology partner, doesn’t seem like it should be too difficult to find, just Google it, right? The dizzying amount of results that this simple search returns will put a kink in your plans to have a list of potential technology partners to your boss by this afternoon. There are a lot of things that need to be considered when picking your technology partner and a lot of criteria you should keep in mind when making this decision. Seize the opportunity to turn this decision into a strategy to stay ahead of your competition.

BEFORE YOUR SEARCH:

Before you even begin searching for a partner you need to consider your budget, internal resources, your intended market, and role of the new software. You should know where your company stands on this project and how much your company is willing to spend on this project. These are all important things to understand yourself before you engage potential partners.

It is important to ask yourself a few questions about the project itself. What will you need the software for? How intuitive do you need the software to be for the end-user? Is there something on the market already that would fit your needs? After you have answered these questions you will be able to see the extent of the project and have a better idea of the resources that you will need from a technology partner. With a better understanding of the project itself and how your company will handle it, you now have to determine what attributes are important in a technology partner.

CONSIDERATIONS

When it comes to making the decision on which company to partner with on your project it is important to take multiple factors into consideration. Your company is investing a lot of money into this one project so it is important that the project is set up to succeed. This decision can make or break your projects success so you need to take your time and do your research to find the company that is the best fit for your company and your project. You will want to see a track record of a potential partner’s level of customer service. You may have to obtain referrals and references from past customers in order to prove the level of customer service they have provided. Past projects are telling of what you can expect from the companies on your project.

To have a successful project you need to hire a company that has an understanding of your business or a company that makes understanding your business a priority. A lack of understanding in these situations can result in a project that is disjointed from your company and your message. Although companies might have an excellent level of technical expertise it will do no good if they produce a product that does not look like yours. One of the reasons that you are in search of a technology partner is likely because your company is similar to many others out there and resources are hard to come by. Make sure that potential partners have the resources you need. This information can be validated by asking for referrals, references, and looking at a portfolio of projects the company has completed. Another great way to find this information out is to ask what technologies the company uses and ask to see examples. This is one area where it will pay off to do your due diligence.

To confirm a company’s experience you should ask for a timeline of projects they are currently working on and the projects they have worked on in the past. This will be helpful for you to see if they have worked on projects similar to yours in the past which will demonstrate if they have the ability to complete your project. A timeline will also be helpful because you will be able to see if they have worked with teams and companies of comparable size.

One of the keys to a projects success is the ability to meet deadlines and make the release date. Responsiveness is a big part of being able to complete the project on time and you want a company you work with to respond to you when you have questions or changes that need to be made. You should be able to tell if a company will be as responsive as you expect from early on in your engagement.

It is important when hiring a consultant to work on your project that they are objective. You want the potential partners to be able to give you objective advice about technology. This can be an issue when some companies are only willing to work in one technology. You want to use the technology that works the best for your project and will be the most beneficial. Make sure before committing to one company that you ask what technologies the company works in and you should be able to tell from their answer their willingness to work in different environments.

Making sure your business style will work with the company you choose is important. If the company has an informal business style, but your company is formal there might be some issues. The level of professionalism should match, limiting the number of problems you might encounter. This might ensure the teams are compatible and will integrate well with each other.

Are these potential partners going to be available when you need them to be? Confirm with potential companies that they have more than one employee dedicated to your project. You may want to consider using a company that uses Project Managers or Engagement Managers to ensure that you will be able contact someone when you need to. Project managers are helpful as a single point of contact.

Chemistry and ease of doing business are important aspects to consider when choosing a technology partner. If the rapport between your team and a potential technology partner are off there will be issues that will be hard to overcome. You will get an idea of this from your initial look into the company, were they easy to get a hold of? Did you mesh well with the employees you have spoken to?

Does this project require ongoing support and do the companies you are considering offer the support you will need? Will the company prepare your own team to take over maintenance upon completion? You will have to consider what you need from the company after the completion of the project and then match those needs with a company that offers those services.

Low Interest Auto Loans – Tips To Get Lowest Auto Loan Interest Rates

Unless you’re paying cash, it is no wonder that you are searching for low interest auto loans. Getting the best auto loan rates just makes good financial sense.

However it takes a little work to find the lowest interest, simple work that most people are unwilling to do. Here are some tips to get the lowest auto loan interest rates.

1. Low Online Auto Loan Quotes

There are many banks and auto loan companies online that offer competing auto loan quotes. Because of this almost global competition online lenders are more likely to offer you the lowest interest auto loan quote in order to get your business.

Safe, secure and fast you can apply for a auto loan and get approval in minutes. Then you can compare and choose the one with the lowest interest rate. This allow you to shop for a car like a cash buyer, saving you even more.

2. Get Your Credit In Order

Your credit history will ultimately determine how low the interest rate will be on your auto loan. You should know where you stand, credit wise, before you apply for a loan not after. Get your credit report, it’s easy, and by law you are entitled to one free credit report a year or every 12 months, get it. The three main credit reporting agencies are Equifax, Experian, and TransUnion.

3. Know Your FICO Score

This plays a big part in whether you will be approved and the interest rate of your auto loan. Your FICO scores are the credit calculations or scores many lenders use to determine your credit worthiness.

The FICO credit score range is widely accepted to be between 300 and 850, the higher the better. Raising low FICO scores not only can help you get the lowest interest auto loan but will also save you thousands on the total cost of the car.

4. Dealing With Bad Credit

It is not impossible to get a low interest auto loan with bad credit. In a perfect world you will have your bad credit erased, but as you know this can take time. Time which you may not have before you need a car.

In the case of a bad credit history a low interest car loan does not mean best low interest rate available, but lowest interest auto loan for people with bad credit.

You definitely want to have options in this case. Taking the time to research and compare auto loan quotes will pay off handsomely with a low rate auto loan with bad credit that will allow you to be able to afford that car.

In many cases low interest car loans are just a click away. If you can get your credit and FICO score high or high enough then it is just a matter of shopping for the best interest rate for a auto loan wisely. That is right, shop just like you will for a car, even if you have bad credit. Then compare a minimum of 3-4 auto loan quotes online or locally, this will enable you to find and secure the best low interest auto loans that you can afford.

Buying Real Estate In Nicaragua

The first step to shopping for real estate in Nicaragua is to forget everything you know about the process back home… no matter where home may be.

Let me make one thing clear from the start. There are incredible bargains to be had buying property in Nicaragua. In fact, there is no other market in the Americas where insisting upon a 40% return on investment or better is reasonable. However, there are few similarities between the rules and regulations governing the real estate industries in North America or Europe, and Nicaragua. It’s because of this lack of similarities that foreign investors often get into trouble. There is a preconceived notion on the part of foreigners that the Nicaragua real estate industry is as carefully regulated as it is elsewhere, and it is this incorrect assumption that sets foreign investors up to be cheated. The only universal real estate investing rule that applies as equally in Nicaragua as it does anyway else is Caveat emptor, buyer beware.

Real Estate Brokers

Basically there’s no such thing in Nicaragua as a real estate brokerage that a Canadian, American or European would assume the term represents. There are real estate brokerage offices. Some even have familiar franchise names, but that’s where the similarity ends.

There is no mandated, formal training of real estate sales people, nor are there specific licensing requirements. Anyone can become a “realtor” by paying for a merchant license or incorporating a Nicaraguan company. I’m not suggesting this means “all” real estate sales people are incompetent or untrained… many are. In fact, there are a number of retired realtors who relocated to Nicaragua and maintain successful, upstanding businesses. However, there are many more who are not at all competent, and operate on the razor edge between honest business and outright fraud. Caveat emptor again!

There are no district or federal regulatory boards governing the real estate industry in place. Real estate sales are no more regulated than a vehicle sale transacted by a street vendor. Outright criminality is not ignored by authorities, but having the perpetrator jailed is unlikely to result in recovery of any money lost. The revenge should make a fleeced buyer feel better though. Nicaraguan jails exist to punish criminals, not rehabilitate, and they are Hell on Earth. Unfortunately though, most issues that can arise in a real estate transaction are considered civil matters by law enforcement and have to be treated as such. In short, whatever money you think you were cheated out of… consider it lost. Even with a judgement in the plaintiff’s favor, collecting money owed in a judgement rarely happens. So again, caveat emptor.

A serious shortcoming in the Nicaragua real estate market is that there is nothing similar to a Multi Listing Service (MLS). The lack of any form of MLS means there is no central registry of properties for sale, nor any information as to what a property sold for. The result is that it’s very difficult to decide what a house or commercial building in a particular neighbourhood is worth since there are no comparable property transactions to use as a guide. Appraisers base their appraisals on replacement cost mostly, and whatever else they provide is pure guess work. Ironically, banks require appraisals created by licensed Nicaraguan appraisers if mortgage funding is being requested.

There’s no such thing in Nicaragua as a listing similar to what most foreigners would understand the term to mean. Real estate shoppers will hear a realtor say that he or she has a listing, but it’s common to see two or more real estate signs on a single property. Likewise, the same property may appear on multiple real estate company websites and be advertised online by numerous different people. More confusing, the prices advertised may vary for the same house, sometimes by tens of thousands of dollars. Nicaraguans selling their homes rarely lock themselves into an agreement with one party wanting to sell their land, house or commercial building. If you want to sell something, the assumption is the more people trying to sell it the better. And by more people that can be realtors, the owner themselves, their family and friends, a neighbor, or a horse drawn carriage driver. This seems chaotic to a foreigner shopping for a retirement or vacation home, but it makes perfect sense to Nicaraguans. Without an MLS service that allows numerous realtors to show prospective buyers a listed property, letting everyone try to sell a property seems to be the best way to get exposure.

Another misconception foreign purchasers have when buying real estate in Nicaragua is that the seller is paying the real estate agent. This is sometimes the case, but even when it is the buyer may be asked to pay the commission. Yes, this is legal in Nicaragua. In fact, not only could there be a commission paid by the seller and buyer, but the real estate agent may have added an amount to what the seller actually wants in his or her hand. This too is legal. The worst case scenario is that the seller wants US$50,000 for his or her home. The sellers offers anyone selling the home US$1000 or a percentage. The real estate selling agent advertises the home for US$59,900, allowing for negotiating room. A buyer settles on US$55,000 but is told that in Nicaraguan the buyer pays the commission. Not actually the truth, but common enough that people think it’s a rule. The requested commission can be anything up to as much as 10%, or it can be a flat fee. Once all is said and done and the buyer agrees to purchase the property for US$55,000. In a case such as this, the ‘agent’ will insist on a nonrefundable US$5000 down payment. At closing the seller receives the US$50,000 that he or she wanted and the selling agent pockets the rest.

I know of a purchasers who handed a ‘realtor’ US$65.000 to purchase a 3 acre farm with a small house on the property. The ‘realtor’ then went to the owner of the property and paid him US$20,000 to buy the land. It gets worse… the ‘realtor’ never bothered to make the title transfer until the buyer discovered he was not the owner when he tried to pay long overdue taxes. In the end the property was purchased by a developer for little more than the original US$65,000, but 8 years of appreciation later. In another case Europeans purchase a home and overpaid US$85,000. Of course basing their offer on the European real estate values they knew, it was assumed they were getting a bargain. The ‘realtor’ pocketed the US$85,000 and a commission he charged the buy as well. Again, perfectly legal in Nicaragua… so caveat emptor.

The way to navigate through what foreigners view as market chaos is to use a knowledgeable real estate consultant to find a property you want, negotiate the price, terms and conditions, conduct the necessary due diligence, validate the title and survey, and so on. This is a fee based service but far less expensive than a percentage sales commission, and far, far less than a costly mistake would be. One such service is Nica Investments, a real estate consultancy that assists foreign investors purchasing real estate or businesses in Nicaragua.