How to Start Your Own Travel Agency Today

This is one type of business that continually bounces back economic downturn after economic downturn: the travel agency business.

Travel is a big part of many people across the globe in virtually every country. As such, there is a wide variety of travel that people tend to do, including domestic, international, adventure, eco-tourism, food and wine related, family, etc.

For that reason, the travel industry is gigantic. In fact, according to the US Travel Association, every year the travel and tourism industry generates $1.3 trillion (trillion!) in economic activity, which comes to $3.4 billion every day. And that’s just in the U.S.


According to the US Travel Association, every year the travel and tourism industry generates $1.3 trillion in economic activity, which comes to $3.4 billion every day. And that’s just in the U.S.

Although the advent of the internet seemed to have spelled doom for the traditional travel agency, actual evidence shows that not much has changed.

The modern travel agency provides services to:

  • honeymooners
  • the retired
  • families
  • spring breakers
  • specialty groups (Christian, LGBT, theater, etc.)
  • business travelers

They can also tailor their services to groups who are willing to have someone else arrange their travel, such as:

  • technologically- or internet-challenged
  • travelers with complex demands
  • first-time cruisers
  • travelers with specialty demands, like eco-tourism, visiting Amazonian tribes, etc.
  • travelers wanting to simply save time and money

In the past, traditional travel agencies were established businesses with many employees including on staff accountants (or we using accounting services online), human resources departments and agents all around the world. However, nowadays that is not necessary.

You can start your own home-based travel agency with much lower overhead and similar revenues. If you’ve ever considered turning your passion for travel into a business, now is the perfect time to start.

I. The Advantages & Disadvantages of Starting Your Own Travel Agency

While many people are eager to dive into the business parts of their new travel agency career, it’s important to get an overview of what you should expect.

These are the ups and downs that come with the travel agency business, and it’s important to keep them in the back of your  mind while you’re navigating your new field.

1. The Advantages

There are many advantages to this industry

We’ll start off with all the great parts of starting a travel business.

You’ll be your own boss

For the most part, you’ll be able to determine how and when you work.

While this is not true in practice (you need to make money, so you’ll be working for your customers essentially), you still have the freedom and flexibility to determine your own fate.

You get to do what you love

This is a big one, and perhaps the biggest motivator of all. If you love travel (which is kind of required for this type of work), then you’ll love helping other people enjoy their travel.

Opening your own travel agency means that you’re willing to share your love and experience in travel with other people. You will give them advice, plan their holidays and do much more. And because it’s exciting, you’re essentially getting paid for doing your hobby.

Discounts and FAM trips

One of the great perks of being a travel agent in general is that you get lots of benefits when it comes to traveling. Hotels, cruise lines, tour companies, ski resorts, etc., will grant discounts to travel agents regularly.

There’s also what’s known as FAM trips, or familiarization trips, which are designed to familiarize travel agents with the destinations they’re selling. These are often heavily discounted, and many times even free.

Tax benefits

If travel is your business, you can deduct your trips as business expenses. This is, of course, only if the purpose of the trip was to check out a new hotel, city, etc. for your business.

This can help you to save a lot on your taxes and, with a home-based travel agency, you can really minimize your overhead.

2. The Disadvantages

You should be aware of the disadvantages to this industry

Knowing just the good parts of your new travel agency career will give you an unbalanced view of what’s to come and give you unrealistic expectations.

Let’s look at the disadvantages that often come with starting your new travel career.

You’ll have all the responsibility

The other side of the coin of starting your own travel agency is that you won’t have a boss or marketing department or sales department. You will have to do all those things on your own.

You’ll have to pay your own taxes, get your own customers, answer your own emails (the millions and millions of emails). While exhilarating in the beginning, these things can take a toll on you later on.

Lots of customer time

One thing about being a travel agent is that your goal is to help make your customers’ experiences as perfect as possible.

However, something always goes wrong. It can be a small thing or a big thing, but it usually happens. So that means you’ll be on the phone a lot. Either talking to customers or working on fixing the problems.

And these calls can and will happen at any and all times of the day and night, so be prepared for that.

Seasonal Pressure

You’ll likely have lots of activity in your business based on the time of year. During peak holiday seasons, there’ll be a lot of pressure and you’ll be on the phone a lot.

Clients tend to have high demands, all of them wanting the best flights and rooms at the lowest prices. It can be difficult to bring them down and keep them happy at the same time.

Risks and competition

Because the barrier to entry is quite low for travel agencies, there tend to be quite a lot of competitors. This can be minimized by niching down (for example, eco-tourism, adventure tourism, etc.) but will still exist.

Beyond that, if there are any economic downturns, luxury expenses like travel will take a hit and therefore your income will reduce significantly.

II. The Fundamentals of the Travel Agency Business

Now that we’ve got a good overview of what to expect in your new travel agency, let’s look at what the most important things are you need to cover first.

These include setting up y our thorough travel agency business plan, as well as figuring out what price structure to use for your business.

1. Your Travel Agency Business Plan

No, business plans are not dead. Although every so often a blog post makes the rounds declaring that business plans are a thing of the past, those are usually short-sighted.

This is because many of these writers look at a business plan as something solely for investors. They are created to get additional funding, and once that funding is received, you can forget about it.

While business plans are crucial for getting additional funding, that is in fact not their primary purpose.

The primary purpose of your travel agency business plan is to get your business road map down on paper

The primary purpose of your travel agency business plan is to get your business road map down on paper

Primarily, business plans are there to help the business owner set a path for his or her business. Therefore, it’s a road map to help you navigate your travel agency, to set its goals and prepare for the pitfalls.

In order to have an effective business plan (not something scribbled on a bar napkin), you’ll need to include the following sections:

(Note: there’s no discussion of length here; business plans should be as long or as short as needed. The important thing is that you cover them comprehensively but concisely.)

  • Executive Summary: this part of your business plan will summarize the strengths of your new business. Because this is a summary (although it is first), we recommend you do this last so you’ll have a clearer idea of what to mention.
  • Business Description: this part will go over what the most crucial aspects of your business are.
  • Industry and Competition Overview: here you will need to have good, in-depth research about your industry, including the competitors and the industry growth and trends.
  • Operations and Management Plan: for this part, you will list the daily operations of your travel agency. You should also describe the management structure and how these parts will work together to achieve your goals.
  • Service Description: here you’ll need to discuss the competitive benefits of your business and why customers would be incentivized to choose you.
  • Marketing Strategy: this section will go over the marketing strategy for your travel agency. You’ll need to figure out how you’ll get your services to the right clients at the right time, including your service promotion, price and sales channel.
  • Financial Projections: in this final section, you need to show all those important numbers. You need to calculate your revenues and expenses for certain time periods (most often a year, 5 years or more). You will also note whether you need any additional starting capital.
How to Write a Great Business Plan: Full GuideThis ultimate guide will walk you through all the steps of creating a great business plan for your small business to help you succeed.READ MORE

2. Your Travel Agency Fees

Travel agencies make money from their clients, but not in the traditional sense. Because there are so many moving parts to any trip, the travel agent is able to collect fees from each part.

These moving parts include the airline, the rental service, the hotel and many more.

Let’s look at the ways travel agencies can make money providing excellent adventures for their customers.

Free Independent Travel Commissions

One of the ways that your travel agency can make money is by what’s known as free independent travel, or FIT. FIT is for travel products that your agency sells on a one-time basis.

For example, if you sell a customer five nights at a 4-star hotel, a car rental for the last three days and the return flight, and all of these are bought separately (not as a package), this is considered a FIT booking.

Here the commissions are based on the individual sales. Therefore, the hotel can pay you 10%, the rental car will give you 3-5%, and the flight will dole out a flat fee of $40.

The commissions are according to the agreements you make with those agents and will be paid out once the trip is completed and paid for.

You can also add small fees for your service to the client.

Package Commissions

Your travel agency can also get great commissions on packages that you sell. Packages combine popular travel products into one, making it easier for your client to purchase without having to arrange many moving parts.

With packages, ground operators get the travel agency to choose their available product based on certain attractive features.

When the package is priced, it already includes the agent commission. These commissions generally range from 10-20%, although larger ground operators or bigger travel agencies can get better deals for their own business.

These are the four types of travel agency fees you can use to make money

These are the four types of travel agency fees you can use to make money

Airfare Commissions

Your travel agency makes money from airfare, but it isn’t as high (or as flexible) as the other sources. For that reason, the commission is normally a flat fee, rather than a percentage.

Airline margins are quite slim, as the price the customer pays and what the airline charges doesn’t offer room for much more.

Beyond that, airlines are crucial for most travel, and therefore they have the negotiating power.

Other Commissions

Most of the commissions that your travel agency will be making will come from any additional items your customer will be buying.

This often includes:

  • travel insurance
  • concierge travel services
  • private transfers
  • cancel-for-any-reason coverage, etc.

These items can come with lucrative fees and upfront commissions and help boost your travel agency profits.

III. Travel Agency Qualifications, Licenses, and Insurance

Now that you’ve got the fundamental aspects of your travel agency set up, you need to make sure you’ve got all your necessary documentation.

This includes the qualificaitons you need to have, your business and other licenses, as well as the necessary insurance.

1. The Qualifications

Luckily, you don’t need to have any formal education to be a travel agent.

Most travel agencies, when they are looking for great travel agents, will require at least a university degree, although the field isn’t particularly important.

Skills

What’s more important for starting your own travel agency is that you have the right skills. One of the most important part of skills is that a lot of it is learned, so it comes from experience.


Travel agents don’t need any specific formal education. What is more important for starting your own travel agency is that you have the right skills.

If you’ve worked as a travel agent before, then your experience and skills will make you perfect for your new business.

If not, you will need to have at least great telephoning and customer service skills, as you’ll be communicating with your clients a lot.

The other important skills are:

  • time management
  • organization
  • some technical skills
  • persuasion and negotiation
  • active listening

Certifications

While you don’t need any formal degrees, if you want to start your own successful travel agency, you’ll still want some extra “proof” of quality.

That’s where certifications come into play.

The golden standard for certifications is the Travel and Tourism Professionalcertification given by the International Air Transportation Association (IATA) and the Certified Travel Associate from the Travel Institute.

You may also look to get certificates in travel, tourism and hospitality management (and other related certificates) from other organizations.

2. Licenses

While the qualifications are more often recommended rather than required, it’s a different thing for licenses.

Licenses cover the legality of your travel agency, so you should be very certain you have the proper documentation to start your business legally.

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In the US, travel agencies don’t need to get any licenses or certifications on a national level. However, there are different state laws and you’ll need to check with your state what your licensing requirements are.

For example, in Hawaii, California, Florida, Washington and Iowa, travel agencies need a Seller of Travel license.

In Canada, the licensing requirements also depend on the location of your travel agency, while in the UK you’ll definitely need what’s known as an Air Travel Organiser’s License.

Besides those licenses, you’ll need to get your business in order. This is an important step for all businesses, and you need to make sure you’ve got the right structure for your business.

For the most part, if you’re in the US, you’ll want to choose an LLC for your business. It offers the protection you need, without having a very complicated structure.

However, if you are planning on getting outside investors, you might want to consider starting your travel agency as a corporation.

3. Insurance

Now it comes as no surprise that there are quite a few risks that come with traveling abroad. Because of that, and that you’ll be selling vacation planning to your clients, you’ll need to make sure you’re fully covered.

General liability insurance

First and foremost, you’ll need to have adequate general liability insurance. This will provide coverage that will take care of any medical, ambulance and other hospital costs. It will alsocover your legal fees from bodily or personal injury.

You will need to have this insurance due to any confusion or misunderstanding your client may have from your advertisements. If the misunderstanding leads to incorrect booking or activities not suitable for the client, general liability will cover you in case of any suits or injuries.

Errors & ommissions insurance

This type of insurance, normally known as E&O insurance, will cover you in case any lawsuits are brought against you by third parties claiming that you were negligent somehow in your professional activities.

This is often confused with general liability. However, general liability differs by covering you in claims against bodily or personal harm or property damage. E&O covers you against claims of professional negligence.

For that reason, it is also known as Professional Liability Insurance.

For your travel business, you'll need general liability, E&O, commercial automobile and workers compensation insurance

For your travel business, you’ll need general liability, E&O, commercial automobile and workers compensation insurance

Commercial automobile insurance

This type of insurance is necessary if you use your personal or company car for work purposes to protect you in case of auto accidents. This may often be the case if your travel agency is for travel in your area.

This insurance can also cover rental vehicles or loaner vehicles used for your travel agency.

Workers compensation insurance

This type of insurance is necessary if you will be having employees. In fact, nearly every state requires it, depending on the number of employees.

Workers comp will protect  you in case one of your employees is injured or falls ill while involved in business activities. It will pay for medical treatments, medication, and even loss of wages. If an employee’s injury results in death, it will also pay standard death benefits to the family of the employee.

IV. Getting Clients for Your Travel Agency

Now we get to the most important part of your travel agency—the clients. Specifically, how do you get people not just interested in your travel agency, but willing to pay money for your expertise?

We’ll look at three methods you should be using in order to market your new travel agency.

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1. Traditional marketing

While traditional marketing practices are fast falling out of favor in this digital world, there are still some traditional methods that work very well.

Conferences and networking are more for the back end of your business, as you connect with suppliers and destinations to get great prices.

For the front end, dealing with customers, you need to use the media to your advantage. This doesn’t mean running commercials, which can be expensive.

Instead, try to get a story in your local or national newspaper or on a popular news program. Just make your expertise known, so that if there is some big news in that area, they’ll know who to connect.

With a great story at the right time, you can start building up your brand.

2. Your website and blog

This is the greatest resource you have to build up your travel agency potential client list. Your blog or website is crucial, and millions of people are eager to get away (in real life or in their heads) from their boring day-to-day.

That’s where your blog comes in, with strategic content marketing or inbound marketing. Beautiful pictures and videos of the destinations your travel agency works with. Wonderful stories of adventure, or useful tips on what to do and not to do.

You should be able to promote your destinations with ease and find lots of traffic coming to your site. Next you’ll need to convert those visitors into email subscribers (and then into clients), or promote your services and make them your clients from the get-go.

Of course, you’ll also need to have reviews on your site, so make it easy for past clients to leave a glowing review for you.

3. Social media

Lastly, you need to utilize social media to your full advantage. It is perhaps the greatest method at the moment that businesses have to directly communicate with their customers and potential customers.

It has a great ROI (return on investment), as a few dollars can make your Facebook post, for example, reach tens of thousands of people.

Facebook of course is the golden example of a perfect social media platform. It has the right balance of demographics and an audience in the billions.

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You should have an active and regularly updated Facebook business page that shows off the amazing images and videos from your destinations.

It’s also a good idea to also utilize Facebook Live (hopefully on-location) to answer any questions your followers may have about your particular destination.

You don’t need to stick to one platform either. Instagram and Pinterest are great venues for travel-related industries, and you’ll have no problem picking up loads of new visitors.

V. Summary

The travel agency business can be a lucrative one, especially if you work from home where you’ll have lower overhead. Before you start, remember the pros of starting your travel business:

  • you’ll be your own boss
  • you’ll be doing what you love
  • there are great discounts and FAM trips
  • there are lots of tax benefits

However, let’s not forget the downsides:

  • you’ll have all the responsibility
  • you’ll need to spend a lot of time communicating with customers
  • there’s a lot of seasonal pressure
  • there are plenty of risks and competition

When you start working on the basic parts of your travel agency, be sure to:

  • include a strategic business plan to outline your goals and how you’ll get there
  • take note of the four ways you can earn commissions from travel sales

If you start your travel agency business, you’ll need:

  • to have the proper communication and organizational skills
  • travel agency licenses, depending on your state or country
  • adequate insurance to cover all possible mishaps

If you want to get clients for your travel business, you should utilize:

  • traditional marketing, such as getting into local or national newspapers
  • get your website and blog set up and provide valuable, appealing information
  • organize your social media strategy to pull in readers on various platforms

With these thorough and bulletproof steps, you’ll be able to really take charge of your travel agency.

Good luck!

Determining if the Auto Accident was Your Fault

No one likes to be in a car crash. They are extremely dangerous. Driving large machines at fast paces naturally leads to very serious injuries when things go wrong. This is part of the risk that we accept when we choose to drive on the road. The only thing that is arguably worse than being hit by a car, is hitting someone else with your car. Not only are you just as likely to be injured, but you are at fault. You feel like crap. Everyone is staring at you wondering how you could be so stupid. You know the police will show up and issue you a citation for the accident. As if it would not be expensive enough for you to be without a car for a while and to have to deal with your insurance rates being raised or perhaps your insurance company even dropping you all together. This is not a good thing. The reality is though, everybody gets into car accidents. Most of us will cause an accident at some point in our lives. If you spend enough time on the roads, odds are that you may cause an accident as well. That’s why working with the best car accident attorney in St George is so fulfilling. So if you have recently caused a car accident, there are several things that you should know.

car accident @ vestavia hills
Photo Credit: Rian Castillo
The first is that you probably still want the police involved. Although you may be nervous about receiving a citation, your insurance rates increasing would be a much larger cost in the long run, so your primary goal should be to combat that. The greatest way to combat the victim forcing your insurance to pay out more than it should, which would likely lead your rates to increase even more, is to have a third party witness statement. You could try to obtain this from a bystander, but the police report is just a phone call away and it is a credible source. Obviously if it is an extremely minor fender bender, and the victim sees no damage and is not even interested in your insurance information, then do not call the police. That would be a rather stupid move. It will take time, and you still might be given a ticket.

The second thing you should know is that your rates will likely go up, but this will take a long time. They almost never increase before your policy term runs up. Even then, they may not increase until a few more policy terms have run up because of the lengthy duration it will take your insurance company to finalize the liability claim against them. If the person that you hit was hurt, and their car was damaged, it could take up to a year or two for them to actually receive the funds from your insurer. For that reason, your rates will likely not go up for a long time because your insurance company will not necessarily raise your rates if they end up not having to pay anything out. They would still have to pay for your own car, but an amount that small will not cause them to drop you. Some insurance companies even have accident forgiveness programs where they will not even consider the affectation if it was your first accident in quite some time. These programs can save you loads of money.

The final thing to know is that if your premiums are raised, they will not be raised forever. The best way to get back to a low rate is to recommit yourself to safe driving. The best car accident attorneys can explain to you exactly how to best protect yourself after an accident.

This article is offered only for general information and educational purposes.  It is not offered as and does not constitute legal advice or legal opinion.  You should not act or rely on any information contained in this article without first seeking the advice of an attorney.  

Internet Advertising and LED Flashers

Internet Advertising

Internet has certainly been a major breakthrough in the world of advertising, but also served to be increased acts of trademark infringement and unfair competition. We will now see two cases of trademark infringement that have had an impact by involving prestigious brand owners and major service providers of the information society.

 

Finished led flashers

Photo Credit:  Mr. Woolley

The Ad Words system is a new form of advertising which the advertiser pays the search engine (Google) to have their ads appear in searches made by users to enter a “keyword”. Being introduced the word; the ad appears, well above either the right side of the search results.

The Ad Words advertising system has been the subject of legal proceedings in different countries, at the request of trademark owners who believe their rights violated to allow users, through the introduction of its trademarks as “keywords”, can access the purchase of counterfeit products or competitor products.

Interestingly lawsuit between Louis Vuitton and GOOGLE, who was elevated to the Court of Justice of the European Union, the Court determining that Google, to provide a service storing keywords referencing shared by brands on behalf of their customers did not incur in trade mark infringement, as there is a use by you of the marks to distinguish goods or services identical to those covered by those. The Court held that the referencing service provider, to the extent that the role play is neutral, i.e. their behavior is merely technical, automatic and passive, with no knowledge or control of the information stored, it incurs unless liability becomes aware that the advertiser is using the trademark illegal and if so failed to act expeditiously to remove or prevent access to them.

However, the Court did consider that the advertiser pays for the referencing service and choosing as a keyword a trademark on the other infringement to mark when the ad does not allow the Internet user to clearly determine whether the goods or services come from trademark holder or a third party.

More recently, the Court has had to return to rule, in a judgment of July 12, 2011, on the problems caused by Internet advertising, this time in the proceedings in which they were involved L’Oreal and eBay.

EBay manages an online electronic marketplace where users can buy and sell products, and also show ads of products offered by people who have eBay seller account. EBay also assists marketers to optimize their offerings, create their online stores, and enables, by selecting keywords through “Ad Words”, see the website link to eBay.

Certain individual defendants offered for sale products either by being forged, either because they are genuine products not intended for sale (samples to consumers), or sold without packaging, L’Oreal felt that they were infringing its trademark rights, and indeed, as determined by the Court.

On the role played by the electronic market operator, and following the doctrine marked in the previous sentence, the Court considers that the service provider does not use the brand establishing infringement when providing a service that is limited to allow their customers submit, on its website, signs corresponding to trademarks. But when the manager plays an active role, allowing you to have knowledge of the details of the offers, when providing the services is to optimize the design of the bids or promote them, or even when not having played an active role of acting diligence, should have inferred the illicit nature of the deals, not acting in this case the data quickly removing or disabling access to, then it must be understood that incurs responsibility. It shall be the national court to determine whether the eBay concur in these circumstances.

In short, although for trademark holders easier take legal action against service providers who sue multiple offenders of their trademarks on the Internet, only declare the liability of providers to the extent that they perform this active role that allows them to have control over the data they store or otherwise have knowledge of the illegality of the actions of their customers.

 

LED Flashers for shops and stores

 

The main function of lighted sings is to allow users to recognize your listing, identifying, basically, thanks to his name. Other functions are to show a list of products and / or services and contact details. The development of LED technology has led one step further making them true foreign media.

LED Flashers, thanks to LED technology, are becoming more than mere identity supports an establishment. This type of electronic LED signs allows you to also display information of all kinds and as moving text. Its high brightness attracts attention even in daylight, making your business stand out and differentiate themselves positively from the rest of their environment. But this is only the beginning. Signs advertising graphics are a new type of large format poster reproduced actual video image provided luminosity and dynamism that will make your trade is really the center of attention. You can also display pictures and videos of your products, animations, custom text moving, promotions, offers, discounts and all you can imagine. If you are looking neon signs really effective for your shop or business please contact us and we will inform you without obligation.

Tips for Selling Used Cars

When you’re looking to sell your car, make sure you do a few things first so you’ll be sure to fetch top dollar. Here are a few tricks I learned when recently selling my used car in St George Utah and was able to get top dollar for it. These tricks aren’t revolutionary, but they are helpful when a buyer is deciding between your car and another one. If you could make just a few more adjustments that aren’t terribly difficult then you should take the time. Especially if you’re traveling and need to get ride of the car quickly. There’s been more than once where I had to buy or sell a car while I was traveling with my family.

Camero view...
Photo Credit: DaMongMan

The Tips:

Too much gloss creates distrust too much. Glossy arouses suspicion with potential buyers. Who turns as the tire walls with silicone spray almost a mirror surface, could be suspected of wanting to cover up flaws. Also a greasy shiny cockpit is frowned upon for buyers – and an engine wash is interpreted as an attempt to hide leaks. Treatment is worth more than the usual trip to the car wash and vacuuming, however, already offered prior to the sale. During the thorough cleaning can also be done even worth depending on the residual value of the car by a specialized cleaning company. Even a visit to the doctor can bump significantly increase the resale value. Good general condition to a good overall impression of the vehicle contributes, according to the NADA when air pressure and oil and coolant levels are correct. But a bit of patina can not also harm: for example, some remaining dirt under foot or boot mats shows that there is no puddle was drained.

Automobile clubs generally advised to prepare a car before selling them fundamentally. This refers to more than the usual trip to the car wash and the next sucking on the coin box. Depending on the residual value of the vehicle is also a cleaning may be worth by professionals. A critical care offer car dealerships and processing companies.

Used Car Buyer Tips

Who wants to buy or sell a used car, you should follow a few tips. How do I bid as a seller of my car? How do I check the whether the customer has hiden defects in the shiny metal?
A perfect look does not mean that a car is technically in top shape. Many flaws can be traced even without knowledge wrench – if you know where to look. These are some of the flaws I looked for when finding a used cars St George Utah for my family.

This can usually agree well with a test drive. If the seller does not agree: Stay away – he might want to hide something.

Tips for used car buyers

Preliminary arrangements for simplicity of model, year and price facilitate the search for a good used car. In the pre-selection tests provide car on the websites of the trade press and advice on forums such as “motor-talk”. What are typical technical weaknesses have individual models, can be read for example in the NADA breakdown statistics on the website or in the report booklet. If a suitable Used vehicle inspection found that deficiencies search begins with a tour of the car. Different gap sizes on the bumpers, doors and other attachments may indicate a collision damage. The same applies if the production date indicated on the headlights does not coincide with the year of the car – then they were never replaced. Papers examine the service booklet vehicle maintenance should be documented. Many owners in the vehicle documents (certificate part II) may indicate a bad car. More than two plates in five years are suspect.

Camero
Photo Credit: Tracey Adams

Different gaps on the hood or the doors may be an indication that the car has an accident behind it. Also rust around the screw of the body parts in the engine compartment may be an indication of this. Mat or color different points in the paint are also indications of previous damage.

A few gaps as possible checkbook and run the audit reports of major and emission testing provide information on the technical condition of the car. Also, the vehicle registration may be an indication: Common-owner changes within a short period of time may indicate a car that has often caused problems.

 

In an Auto Accident – Working Through Car Insurance and Auto Accidents

Southern Utah drivers often wonder what auto-insurance is required, and what auto-insurance they should get to protect themselves and their families. Utah does require some minimum amounts of liability protection to cover everyone in a truck accident. The state mandatory minimums are 25/65/15. Those numbers refer to policy limit amounts for bodily injury damages per person/total bodily injury damages per incident/property damage to vehicle. Utah also requires that your insurance policy cover the first $3,000 of your own medical expenses regardless of fault after an accident. Unfortunately, having state minimum insurance is not enough to protect you. Those amounts likely will not be enough to repair the harm to yourself or to others that you may crash into. They do not even address paying for damage to your own car. The following breakdown gives basic insight into what to consider when enrolling in a new auto insurance policy.

Fatal Truck Accident Grasmere
Photo Credit: ER24 EMS (Pty) Ltd.

Liability Coverage: In order to fully pay for damage that you may cause to others, many insurance companies suggest carrying 100/300/50 for your liability limits. That way, anyone that you hurt should be able to be fully compensated and taken care of and you won’t have to worry as much about being sued personally for the amount above your policy limits. It is amazing how quickly medical bills and emotional damages can exceed $25,000.

PIP Coverage: Utah has a no-fault law. Meaning that your own insurance company must cover your medical bills after a car accident regardless of who is at fault. This amount is currently set at $3,000. That gives you access to $3,000, no questions asked for an ambulance ride, emergency room exam, chiropractic treatment, or even physical therapy or massage. Once your personal injury protection fund is exhausted, additional bills would need to be paid for by the at-fault party’s liability policy.

Comprehensive/Collision Coverage: State minimum insurance does nothing to pay for the damage to your own car after an accident. When you barrow money to purchase the car, the bank will typically require comprehensive coverage with a limit of at least the value of the loan. Comprehensive will cover your own car for any damage that happens to it, whether from theft, vandalism, or any other hazard. Collision coverage is also for your own car, but it only covers the damage if caused by a car crash.

Uninsured/Underinsured Motorist Coverage is what kicks in when the other driver has not been responsible. If he or she does not have enough coverage to pay for you claim, and he or she does not have assets to make up the difference, you will need uninsured/underinsured motorist claims. Typically, people with cheap insurance do not have much money. That is why uninsured and underinsured motorist coverage is essential for you to actually feel safe on the road.

The bottom line is that anyone with a clean driving record can get state minimum insurance for ridiculously cheap. Price is not everything when it comes to protecting your family. Auto insurance is a serious matter that should be discussed with a trusted insurance adjustor. Don’t be unpreprepared when disaster strikes. Accidents happen to everyone.

This article is offered only for general information and educational purposes. It is not offered as and does not constitute legal advice or legal opinion. You should not act or rely on any information contained in this article without first seeking the advice of an attorney.

Expedition to America For Foreigners

The land of opportunity makes to its name, especially when it comes to the many attractions and beautiful scenes of America ‘s. There are so many interesting countries and cities on this continent, that of course this is not to deal with only one holiday. Therefore you should consider whether you a journey of discovery in America for As you ride in the form of a tour of the west coast to the east coast, so you can visit as many places at once. Here are a handful of ideas for traveling to America if you’re from a country unfamiliar with the United States. We compiled the travel ideas after going to b & b in southern Utah, that’s where we learned of so many additional things to do and see.

bryce canyon

Across the United States

Those who fancy a bit of adventure and wants to not only stay in a hotel that can with such a tour the major cities and districts of the United States Tour. If you’ve always harbored the hope that the famous Hollywood script, in the City of Angels (Los Angeles) to view live or to enter the ground, strutted on the already Julia Roberts as Pretty Woman, will not be disappointed here. It can then proceed directly to San Francisco. There you can visit including the famous “Alcatraz” prison, which is one of the safest and most famous prisons in the world and was already addressed in countless movies. And for hardcore gamers is natural to recommend only one city. Las Vegas, the city of the player, the live shows and the largest casinos in the world.

Relaxation on the shores of Florida

After all the impressions of the cities and people of the flooded roads, you should allow yourself some quiet, sunny days on the beautiful beaches of Florida. Especially at sunset, the sea of ​​Miami Beach is magical and invites not only for evening walk, but also to celebrate and to pamper the palate. Orlando also has a lot to offer. There you can visit the headquarters of NASA, enter real rockets and talk with the astronauts. Also for excursions for the whole family, there are many options. If you’ve always wanted to pet a dolphin, you must visit “Sea World”. Or you can go to Universal Studios, where there is a 4D cinema and even the possibility herself like Indiana Jones or Tarzan from a vine to shimmy to the other, which makes the great and the little fun.

The land for “everyone”

These are just a few attractions that America has to offer. But one thing is undeniable, it is actually probably the country where everything is possible. Whether someone is interested in the culture, in gambling or the shopping, for all ages and for everyone there is something going on strike. It does not matter whether you are traveling alone, with friends or family, there is always something to discover and it is never boring. At least one expedition this continent is in any case worth!

Photo Credit: Josh Hirschi

Travel Guides: Sick While on Vacation

Probably everyone has had this happen before: For weeks, one looks forward to the dream vacation and once it arrives, there are plagues or other aches and pains. Ugh, may you don’t tolerate the exotic food, the sun has sensitive skin burnt on the first day, you are drowsy or too much of the cold air conditioning. Since it is advantageous to provide a well-equipped first aid kit to have the luggage to be well looked after in the holidays with travel to various diseases and drug agents. This needs to be prepared before the holiday with careful planning.Today you will find out what you should definitely pay attention here.

Thinks first of all of you regularly needed medications for the duration of the holiday. Make certain these are in sufficient quantity in your hand luggage to be still optimally supplied with a possible loss of luggage. We misplaced our luggage on an excursion to Utah for a stay in some Mt Carmel Utah lodging. We payed for our mistakes with a somewhat uncomfortable trip.

A useful basic equipment kit should contain essential remedy for these diseases and conditions:

  • Pain and fever
  • The typical cold symptoms
  • Stomach / intestinal problems
  • Allergies
  • Insect bites
  • Sunburn

Moreover, it is always advisable to a small emergency kit with bandages, plasters, tweezers, scissors, thermometer and wound disinfectant pack. If you are a light sleeper, you should also definitely bring earplugs. In fear of flying to recommend sleeping pills. These calm the nerves and make for a relaxing flight.

In addition, there are of course a few dos and don’ts for a relaxing holiday:

  • Do not drink tap water and eat nothing that has come in contact with tap water
  • Forgo ice cubes
  • Only be roasted / boiled / cooked food to take (eg meat, fish, vegetables)
  • Peel fruit before eating absolutely
  • Drink water only from sealed bottles (but much, at least 2 liters)
  • Alcohol only in moderation
  • Beware of spicy food

And if it caught you once, we still have a few first aid tips and home remedies for you:

What to do …

Sunburn …
quark packs promote rapid healing. Protect the affected area in the next few days before sun absolutely. Badly burned area immediately pour lukewarm water or immerse in water, but no more than 10 minutes. For additional relief cooling gel provides.

Sun allergy …
direct sunlight and intense midday sun 12-15 Clock avoided. The skin get used to the sun. Preventive sunscreen with a high sun protection factor and UVA and UVB filters to apply, cover vulnerable parts of the body through textiles. Cooling envelopes, cortisone creams or antihistamines help in an emergency.

Eagle Suite at Haines Guest House Interior 11 -- Haines, Alaska

Sunstroke …
The first signs are dizziness, nausea, red head, headache. Keep the casualty in the shade with raised head, cool head and neck, where necessary, in the recovery position. Is unconscious, immediately notify an ambulance.

Insect bites … 
Mosquito bite : Regularly rub with a cooling gel or a damp cloth. bee sting : cool regularly. Bees have barbed sting and therefore often remain stuck in the skin. If the stinger is still, see a doctor, this removes the sting. wasp sting : cool down immediately. Observing whether the redness increases. Swelling of the throat in a short time to clear, see a doctor immediately. tick bite , the longer the tick could suck blood, the greater her body. Removal of the tick left to a doctor. Improper removal can be the head of the tick stuck in the skin, the wound is inflamed.

Stomach … or intestinal disorders

For fluid loss drink a lot. Caution: no tap water! Hot drinks (eg herbal tea) soothe the stomach. Hot water bottles and gentle abdominal massage are beneficial.

Sore throat … 
Curd wrap : underline thick curd on a cloth to remove the neck and wrap it with a scarf. Leave for several hours.Particularly helpful in children.

Fever … 
Towels diving in warm water, wring out and wrap around the calves. A thick terry cloth towel over it and cool about 15 minutes. Repeat three times. Do not forget to drink a lot!

Photo Credit:Casey Konstantín

Ski and Winter Travel

The winter is just around the corner and with it the fun in the snow. Now you only have to wait until the white stuff has also covered all the popular ski resorts in America so you can enjoy it to your heart’s content. It isn’t just skiing, but snowmobiling and snowshoeing that draws so many people. We have planned a second snowmobiling trip after we looked at a Utah vacation itinerary planner, which we decided you’ll never be disappointed with spending some winter travel time down there.

Winter sports is one of the most popular leisure activities of the United States, who fear neither cold, frost or snow. Whether on slopes, trails, toboggan runs or just to snowy slopes – the winter driving is popular with both young and old. Those who are lucky its winter sports terrain is right at their doorstep, while others have been driving a little further to indulge in the fun in the snow.

Ober Gatlinburg Skiing

Play as in any leave during the winter holiday, the accommodation a major role. In the cold season, it is especially important to have a well heated holiday accommodation, where you can warm up and relax after a day of skiing. Also important is to have enough space for skis and boots in his “winter home” is. The storage space required for this purpose must not be tempered as cuddly as the accommodation itself, but the room should be airy and not too cold, so the set is Winter sports equipment can dry quickly.

When choosing a resort you should not be afraid to ask if it is possible to dry the sports clothing gets wet overnight reliably without having to use it all the available chairs, sofas, chairs and the like as a substitute for clotheslines. Especially families with young children have a great need for spare clothing that has become quite changed several times a day.

It also can not hurt to look for when booking a holiday lodging for the winter holidays in a warm and spacious feel. Finally, even the most athletic skiers do not spend the whole day from morning to night in the snow, so a cozy corner with sofa and chair is a welcome addition to the otherwise usual furniture. Those who like authentic style, can look for a cottage with fireplace. The crackling fire can spend long winter evenings very pleasant and romantic. In addition, a fire for warmth, which is particularly pleasant at this season and also makes for fatigue.

Winter holidays in the snow can highlight of each year. With a little advance planning and the necessary accessories a winter skiing, sledding, cross country skiing or just relaxing vacation can be an unforgettable experience where you can restore your energy and vitality.

Photo Credit:jesus_led_me

Diving Vacation Idea’s

Want to take your family on an unforgettable vacation? Why not diving? Take your family out where they will see things they’ve never seen before, and experience the world in a way you just can’t experience it only walking on the ground. It’s even a good vacation ideas for kids. So if you’re up for it, here are some diving tips as well for this family vacation.

Diving in open waters is a highly popular sporting activity all over the world. The extreme forms of diving involve deep-sea diving without any equipment, and trying to cover the maximum depth or distance in a single breath.

But the common form of diving for recreational or commercial purposes is carried out with proper diving equipment in order to ensure longer duration of diving as well as keeping the diver safe.

Diving Pirate Point in Roatan, HondurasPhoto Credit: Marc AuMarc

Scuba Diving is the most popular form of diving, which equips the diver with a supply source of oxygen to allow him to breathe while he explores the underwater world with fins attached to his feet.

SCUBA refers to Self Contained Underwater Breathing Apparatus. The modern Scuba Sets are of two kinds:

 

OPEN-CIRCUIT SCUBA SET: In this case, the diver breathes in from the scuba set, but breathes out into the water. In recent times, usually a single-hose design is used for this purpose. This equipment is cheaper and simpler to use, but it is bulkier and lasts only till the gas supply is available.

CLOSED-CIRCUIT SCUBA SET (OR, “RE-BREATHER”): In this equipment, the diver breathes in from the set, and exhales back also into the set, where the exhaled gas is again re-converted to make it fit for breathing. This is a more complicated equipment, but allows the diver to stay underwater for much longer periods due to its ability to re-cycle the gas.

In both types of equipment sets, a high-pressure cylinder is used for supplying oxygen in compressed form. The cylinder is strapped to the back of the diver’s body.

SNORKELING is a simpler form of underwater free-diving, where the diver’s nose and mouth can remain beneath the surface of water, while he breathes through a small tube known as a “snorkel” that sucks air from outside.

Apart from the Scuba Set or the Snorkeling device, the good divers generally include the following equipment as a part of their diving gear:

DIVING SUIT: A diving suit is a useful gear designed to protect the diver from the hazards of the underwater environs. Wet suits, dry suits, dive skins are three common types of diving suits available.

DIVING HELMETS: These are worn primarily by professional divers who need to explore the rock-bottom surface of the sea.

DIVING MASK: This equipment enables the scuba divers, snorkelers and free-divers to see clearly underwater.

SWIM FINS OR FLIPPERS: These are attached to the feet or legs, and are made from fin-like light rubber or plastic to assist in swimming underwater without much resistance.

DIVING REGULATOR: It is used alongwith a scuba set to regulate the air pressure so as to supply the breathing gas to the diver at an appropriate level.

DIVING WATCH: A typical mariner’s watch will have a water resistance of approximately 500 to 1000 feet. It allows the diver to keep a check on the amount of time that he is spending underwater.

STROBE LIGHT: It is a device that produces regular flashes of light to facilitate the view particularly in the dark or deeper areas of the sea.