Online Shopping For School Supplies

This season, when it comes time to back-to-school shopping, many parents have decided to switch to online shopping for the supplies and even Dell computers their children need. One could find anything and everything on a child's list for school through various online stores and Internet sites that are connected to real brick and mortar stores. Besides being convenient, getting supplies for school through online vendors, there is also a money saving incentive. Most of the online stores are significantly cheaper than the real world stores, even those connected to a real world store.

Canada online shopping is a big deal because they save even more money and taxes when they shop through the Internet rather than in the brick and mortar stores. Many of the online stores will offer free or very low cost shipping if a person's order total goes over a certain amount and with school supplies, this is easy to do. From notebooks to crayons and staples and pens, most of the online stores carry everything a student will need to outfit them for the new semester ahead.

Now is the time to begin hunting for bargains with all the back-to-school sales, even if one does not have a child going to school. These discounts are for everyone and anyone; They do not have to be a student in order to save money on things like laptop computers, folders, rulers and high tech calculators. Canadian online shopping consists of many different electronics, school supplies such as notebooks, pens, papers and books as well as discounts on clothing and shoes, everything a student would need to go back to school.

For students who are going off to college or universities that will be staying in a dorm or apartment, they need more items then the typical school supplies. These students will need home furnishing type supplies and most of the time; These types of items are also on sale at this time of year. These items consist of bed spread sets, desk and chairs, organizers for a desk, organizers for bathroom necessities for those who share a bathroom with others, small kitchen appliances and area rugs as well soft style floor seating.

There are many smaller office supplies or desk equipment that one may need during the course of a semester that they should purchase now to save themselves from running out and getting it later. Things such as a three hole puncher, ruler, protractor, paperclips, brads, rubber bands, masking and scotch tape, sticky notes, erasers, scissors, colored pencils, markers, glue and white-out. These things may not be used everyday but could be used at some point in the semester for a special project and it would be nice to have them on hand.

A lot of online shops will ship faster service for a small fee if someone needs a certain supply right away for a project. For example a poster board in a certain color or a type of scissors with a wavy edge. These are items that would cost less to purchase online then at the local supply store or book store and saving money is what college students need to do everywhere they can.

There are a couple of things to beware of when shopping online. One is the shipping and handling fees. Most companies are reducing their shipping fees in order to bring in more customers. However, they are raising their handling fees to make up for this lack of income. An individual would be wise to shop around for an online shop before filing their shopping cart they will no doubt save even more money.

There are also some stores online that will charge taxes and other that do not. There is no law that says an online store needs to collect taxes from a state where they are selling to. For example if a person lives in Missouri and they are shopping at a place in Texas, they may have to pay a Texas state tax online but they do not have to pay Missouri state taxes. This is something to watch out for.

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!

The L Steps – 6 Steps of Real Estate Investing

Real estate investing in Miami real estate is now becoming popular again as there are many properties in foreclosure, short sale, bank reo's, and government foreclosures. With such an overwhelming inventory of homes available for sale a real estate investor must be able to determine which one to purchase. Investors must follow six steps in order to learn, understand and achieve Miami real estate investment success.

These are the six L steps to Miami real estate investing:

1. Location – Location, location, location is still the key of buying Miami real estate. Buying Miami real estate just because the price is low in a declining area is big mistake that should be avoided. Look for homes in an excellent location like, good schools, economic stable and growing neighborhoods, near shopping centers and malls, near bus stops and metro rails, near hospitals and restaurants. Sometimes it is better to pay a little more for a property in a good location than getting a bargain in a place where it is very hard to sell or rent the asset. Location is often overlooked in purchasing real estate as many investor think they can exceed a bad location if the price is low enough. Out of two homes that are exactly the same, the one in the best location will command a much higher sales price and rental income. Location is the number consideration when purchasing Miami South Florida real estate.

2. Long Term – Real estate investing is a long term proposition. Do not think you are going to be a millionaire over night. It takes years of hard work and dedication in order to succeed. Hold any property at least one year before selling it. Capital gain taxes will be greatly reduced. Consider renting the property for at two or three years. The rental income generated will help you to properly repair and renovate the property. Many investors purchased properties in the middle of real estate boom with no money down and no equity. These investors were thinking of flipping the houses fast and making a killing in the process. Many homes now in foreclosure are due to investors that were caught in the middle and now realize that real estate investing is very hard to time. Long term Miami real estate investing is the secret to a successful real estate career.

3. Lease Option – Never rent a property with a lease option to buy. Either sell or rent it straight out. A lease option is usually a disaster for both buyers and sellers. The tenant will demand a large discount of the rent to go towards the down payment and closing costs. The problem is that tenant will not buy the property at the end of the lease and the landlord / seller will have wasted a lot of money in rebates given to the tenant / buyer. Demand a 20% or 30% deposit from the tenant / buyer and a clause in the contract that if they default on the purchase they will lose the deposit. This technique will force the buyer / buyer to purchase the property or lose the deposit. The risk of losing the deposit will eliminate the tenant from taking advantage of the landlord by walking out of the contract after receiving a monthly rental discount.

4. Local – Buy real estate close to where you live. Do not buy real estate in another state or in another country. Keep real estate investing local. Buy in your own county and in your city. The more you know about the area where you are buying the better the decision will be. The investor should always be close to the investment property. The Miami real estate investor should inspect the property often to determine any repair, roof and other problems. The landlord must inspect the property every month when collecting the rent. Check for the number of tenants actually living in the property, check for damages and destruction of the property and overall condition of the place. The investor / landlord will not be able to inspect and determine the condition of the property if it is located far away. Keeping real estate local is an essential step in real estate investing.

5. Leverage – Most real estate books and seminars tell you to use other people's money when purchasing real estate. This technique is not the best and buyers should try to buy the property in cash if at all possible. Buying a house in cash will help you get a better deal and allow you to negotiate from a position of strength. A cash buyer will always have the upper hand in negotiating with banks, property owners, and other sellers. Cash buyers will not suffer and go into foreclosure if the market turns and they are unable to sell or rent the house right away. Like Dave Ramsey always says "cash is king and debt is dumb". Buying an investment property in cash is an excellent way to avoid Miami real estate investment errors.

6. Learn – Research the property and learn everything about it before you buy. A mistake in Miami real estate investing can be very costly. Usually you make your money when you buy not when you sell. Buying the property at the wrong price the wrong place and at the wrong time could be detrimental. One mistake could wipe you out and put you out of business before you start. Ask questions to the experts, real estate agents, appraisers, mortgage brokers, and other real estate investors. Learn, research, educate yourself in all aspects of real estate investing before you purchase the asset.

It is definitely a buyers market in Miami-Dade County. Miami real estate investors have more choices than ever before when it comes to real estate investing. Investors must follow the L steps, the 6 steps real estate investor guide to successful real estate investing in order to achieve their investment goals in the Miami real estate market.

How to Save Money on Your Calls While You Travel

1) PLAN AHEAD

If you know you will be traveling in the near future, start planning for it. Many calling providers have special plans for use abroad . If your provider does – you might want to use it. Typically, they offer an add-on for a small charge a day. If you are the type of person that spends a lot of time on your phone, it is probably worth it to go for that add-on to your regular plan. Just remember to stop it when you get back, you do not want to be paying that extra charge forever.

If you provider does not have an international add-on or you do not want to use it, there are still plenty of other options to call your home town while you are abroad at a cheaper rate.

Consider buying a local SIM when you are abroad. This is an excellent solution if you travel to the same place often or if you are going to stay in the same place for a long time. When you buy a local SIM card in the place you are visiting, you will usually pay for a bundle of minutes and the price will probably work out a lot cheaper than using your regular phone plan plus you will not need to pay roaming (in Most countries).

If you have a locked phone, you will not be able to use a foreign SIM card without unlocking your phone first.

You can also buy a local calling card which you can then use to call from hotel phones, pay phones … Calling cards are not that popular anymore these day, but if you need a solution for cheap international calling then they are a good option . Also here you have the advantage that there are no roaming costs.

2) WHEN YOU ARE ABROAD

Whenever you need to make a call, think of what you want to say beforehand . This will usually make your call shorter and it will also prevent you from forgetting to say something and then needing to call back.

Text messages are cheaper than calls, so sometimes it may be worth it to send a text message instead of calling , if it is just a short message you need to give over. Remember that text messages are free to receive while calls are not. If someone needs to tell you something, ask them to text instead of call.

Beware though that a back-and-forth text conversation will probably work out the same price as a phone call.

Even if you do not call abroad, you need to pay for incoming calls – so you need to pay when people call you and also some provide make you pay if someone leaves you a voicemail while you are abroad (depending on the country you are In).

You can eliminate at least one of these problems by deciding – do you want people to be able to contact you while abroad or do you want to enjoy you holiday in peace and quiet without being disturbed by anyone calling?

If you do not want to speak to anyone, divert all your calls to voicemail . This way you will not be charged for roaming. You might have to pay if anyone leaves a message for you though.

If you do want to stay in contact with people and answer calls, then disable voicemail . This will eliminate any charges for voicemail (if applicable) and when your phone rings you will be able to see who is calling and decide if you want to answer of not. If you answer you will need to pay roaming charge and if you do not answer, there will be no charge.

Do not listen to voicemail when you are abroad unless you really have to. Calls to voicemail are charged at the same rate as regular calls so you can end up paying a lot of money for just listening to your voicemail.

3) DATA AND WIFI

For many people, high phone bills when abroad do not actually come from speaking on the phone that much, but rather from high data usage. When abroad, your provider will charge you a high rate per megabyte used. If you need to use the internet then by all means use free WiFi when possible, there are loads of places where you can get free WiFi. Some hotels offer you internet at a small charge but that will probably still be cheaper than using mobile data. Just to make sure your phone does not switch to data automatically, it is best to switch off your data for the duration of your stay.

If you are using your phone for GPS and need to download maps, do so before your trip or when you have WiFi. Many navigation programs allow you to download the map beforehand and once it is downloaded no internet is needed for the navigation itself.

4) INTERNET CALLING

Many people these days are turning to internet calling when they are abroad as it offers so many benefits. Internet calls are practically free if both end users are on the same network and provided there is WiFi. If there is no WiFi then you need to count in the cost of data. If both users are not on the same network, then there is a small charge for using VoIP but it is still a lot cheaper that using your regular phone plan.

So obviously the price is a major factor as to why people use VoIP when abroad. But also, VoIP is not connected to a physical place so it can be taken anywhere. Think of business people who want to keep the same number when traveling. With a business phone this would be impossible but with VoIP, people can call you anywhere if you have your mobile / PC with you and there is no roaming charge.

In addition, many VoIP service providers offer features that are not offered with standard phone plans. These may include video calling, sending locations, group chats, and more

There are different types of internet calling:

• Phone to phone calls – using regular phones, VoIP adapters are used to connect the phones to the internet. If both end users are on the same network – the call will be free. If they are on different networks – there will be a small charge.

Calls can also be made using IP phones instead of VoIP adapters to make the calls.

• PC to PC calls – using an app to make calls between PCs.

If the person you are calling has the same app on his PC – the call will be free. If the person you are calling does not have that app there will be a small charge.

• PC to phone calls – make calls from PC to a phone.

If you are calling a phone on the same network the call will be free. If the phone is not on the same network, there will be a small charge.

• Mobile to mobile calls – using an app to make the calls between the mobiles.

If the person you are calling has the same app on his PC – the call will be free. If the person you are calling does not have that app there will be a small charge.

Many apps also allow you to call mobile to PC and PC to mobile.

Whatever type of calling you use while abroad, if you plan a little before your trip you definitely save yourself a lot of money in the end