0 comments on “Best Tips for Travelling to Atlantis Bahamas – 2018”

Best Tips for Travelling to Atlantis Bahamas – 2018

Atlantis_Bahamas

Atlantis Paradise Island is the world-renowned Caribbean destination in the Bahamas for all ages. The resort features a variety of accommodations built around a 141-acre waterscape called Aquaventure. This water park contains 18 thrilling water slides, 20 swimming areas, a seven-acre snorkeling lagoon, and more. Atlantis also has the world’s largest open-air marine habitat bringing 50,000 marine animals from reef sharks to sea turtles within your reach. We’ve put together this list to help your trip to Atlantis be the best it can be. These are the Atlantis Bahamas tips you’ll be happy you know before you go.

The Atlantis Resort can be overwhelming even before you arrive. Making an accommodation choice alone can be a dizzying process. There’s the Cove, The Royal Towers, The Reef, The Coral, The Beach and more! Not to worry, we’ve got you covered with tips, secrets, and tricks to help you navigate Atlantis like a pro.

Best Atlantis Bahamas Tips for an overwhelming experience.   

1. Reaching Atlantis

When booking your trip to Atlantis,  you will want to book your flight to Nassau (NAS) and then take a taxi from the airport to the resort. Taxi prices are regulated so you won’t be overcharged. It takes about 30 minutes to get to the resort. Our Bahamian taxi drivers were courteous and professional. You can also book airport transfers through Atlantis, but then you may be stuck waiting for other passengers. We would not recommend renting a car. If you want to explore more of the island, hire a taxi. The locals may have some insider tips on places to go too!

2. Choosing Accomodations

For families: Nearly all accommodations at Atlantis are family-friendlyThe main Royal Towers is the place to stay to be closest to the action and probably the best option if a visit is a “once in a lifetime” experience for your family.  The Coral has newly renovated family-friendly rooms and suites. If you want to get away from the crowds of the main resort, The Harborside has 1-3 bedroom villas with full kitchens and laundry facilities. The Reef Atlantis offers more upscale living with Big studios, 1-2 bedrooms units with fully equipped kitchens or kitchenettes. This is perfect for families wanting easy access to the beach. While not formally part of the resort, the adjacent Comfort Suites Paradise Island provides budget-friendly accommodations AND includes all of the Atlantis amenities.

3. Atlantis is NOT an all-inclusive resort

Be prepared to shell some serious cash for special experiences, meals, snacks, drinks, etc. Many people recommend packing snacks and water bottles to avoid extra daytime charges. You’ll likely have a large dinner, but snacks help hold everyone over during the day. Rooms have mini fridges too for storing drinks and leftovers. The resort has a meal plan, which can be helpful if your kids are 11 and under (then they eat free). FoodStore2Go.com will deliver groceries to the resort as well. I’ve heard that Dominos will deliver too, but give them a call to make sure.

4. Make Reservations for Dinner in advance

Make dinner reservations before you even leave for the resort; otherwise, you’ll run into some wait times or will have to eat very early or late. Once you arrive you’ll likely have a message on your room phone asking you to confirm your reservations. Our favorites for fine dining are Nobu, Mosaic, and Dune at the Ocean Club. Our family-friendly recommendations are Carmines, Poseidon’s Table, Virgil’s Real BBQ, and  Murray’s Deli.

5. Download the Interactive Map

Atlantis Resort Map

Atlantis Resort is HUGE! Before you leave, download the free resort app available for iPhone, iPad, and Android. It includes a map and a list of events. You can use it to make your dinner reservations on the fly or before you leave. If you don’t want to carry your phone, pick up a printed map because, believe me, it’s easy to get lost.

6. Avoid Crowd

Since Atlantis is a very popular resort, you are likely to encounter crowds, especially if you travel during the high seasons like holiday and school vacations. The best way to avoid crowds is to travel in the low season when most kids are in school. If you are there during more crowded times, we have a few tips:

Avoid the Cruise Crowds: Sunday and Mondays are typically a bit lighter crowd-wise because the cruise ships are not flooding the property with extra people. You can also visit Aquaventure early or after 5pm when the cruise crowds are not there. There is a website called CruiseTT.com where you can see what ships will be in port on any given day.

Eat off-site: Consider having at least some of your meals off property. For breakfast, I recommend taking a stroll over to the neighboring marina village for Starbucks or Dunkin Donuts. It’s also nice eating al fresco and gazing at the stunning yachts docked there.

Reserve seating: to avoid the mad dash each morning to get prime seating around the main pool, you can book preferred seating for two guests at the Grotto Pool inside Aquaventure. Private cabanas can also be reserved throughout the main waterpark area. During crowded months, they can really be well worth the extra cost and provide many added amenities.

7. Swim with the Dolphins

Booking a special experience like those available at Dolphin Cay will help you spend time away from the crowds. Here you can swim with dolphins and frolic with sea lions. It’s not a cheap endeavor, but well worth it in my book. Make sure to book early as this very popular experience fills up months in advance. You can also purchase beach passes where you can spend the entire day at the Dolphin Cay beach.

Pro Tip:

Personal cameras are not allowed into the Dolphin Lagoon. Non-participating family members can take photos from the shoreline. The photo packages are extremely expensive so split the cost with another family if you can. All files are digital so they are easy to pay one price and then share.

8. No need to pay “Tips”

No need to pay tip, since tips are already included on everything you purchase. For example, a $6.25 self-serve cheese slice of pizza came to $7.40 with VAT (value added tax) and tip added in. We were told by the front desk that even the daily fee per person at the hotel covers bellhop services. They will still accept a tip, but that’s up to you.

9. Skip the Lazy River

While there are times when you’ll want a lazy float, you’ll definitely want to head to the rapid river called The Current. It’s a mile-long river ride with high-intensity waves and rapids, guaranteed to keep you cool and laughing. It’s similar to a lazy river, but sans the lazy portion. It can take up to a half hour to float along the twisty path, but you’ll have more fun along the way riding waves and bumping over rapids. My family did this over and over again.

Related ArticlesThe Gelmer Funicular in Switzerland – Steepest in Europe

0 comments on “Animal Farm Book”

Animal Farm Book

Last Updated: 9th December, 2018

Animal Farm

Animal_Farm_Story

Mr. Jones lay in bed
deep in peaceful slumber.
Blissfully unaware of the revolution that
stirred,
a revolution that formed right under.

All animals, big and small had come together
in a barn outside when night fell.
They gathered around the wisest of boars,
for Old Major had a tale to tell.

He spoke of a land where all roamed free,
where the two-legs were nowhere in sight.
He taught them the tune of ‘Beasts of England’
and the animals got the will to fight.

Alas, Old Major passed away,
an unfortunate event. Oh no!
But it fueled the fire that stirred within,
for the animals would overthrow their
two-legged foe.

For days on end they laid in wait
until the pigs came up with a plan.
Chasing away the unworthy humans,
they won back their once homeland.

Then came the joy, a blinding hope
to build a world for themselves.
Cheers rose up among the different creatures,
‘Two legs bad, four legs good’ they said.

Smartest of all, Snowball and Napoleon
came up with a set of rules.
And for a while everything was alright.
Everything was as it should.

But power corrupts,
it consumes and destroys,
It eats away the heart.
And the pigs took over as they planned,
planned from the start.

Snowball, however, looked for the best,
but the good never get to speak,
For Napoleon’s thirst made Snowball run away,
run away, never to be seen.

Days, weeks, months, years,
all passed in the blink of an eye.
Every animal was a slave stuck in their dream,
unable to resist Napoleon, unable to fly.

‘Two legs bad, four legs good’ was gone,
changed against their will.
‘Four legs good, two legs better’ was what it
was. Being an animal was simply a sin.

They had dreamed of a world where all
creatures were equal,
but now the animals weren’t comrades, nor
brothers,
For while all animals were equal,
some were more equal than others.

However, that wasn’t what shocked them.
Wasn’t what broke the animals’ hearts.
For when two stepped out together, man and
pig,
one could not tell them apart.

About Animal Farm

Animal Farm is an allegorical novella by George Orwell, first published in England on 17 August 1945.

What’s the purpose of a spontaneous demonstration in Animal Farm?

One of the literary techniques George Orwell uses in his dystopian novel, Animal Farm, is allegory.

An allegory is a story that has a hidden, deeper meaning in reference to a political or moral idea. Allegory (in the sense of the practice and use of allegorical devices and works) has occurred widely throughout history in all forms of art, largely because it can readily illustrate or convey complex ideas and concepts in ways that are comprehensible or striking to its viewers, readers, or listeners.

There are several purposes for the Spontaneous Demonstrations in George Orwell’s Animal Farm. One purpose is to instill pride in the animals for the farm they live on, and remind them that they own the products of their labor. Despite the difficulty of the work, they are now working for themselves.

However, the Spontaneous Demonstrations also display where the power lies. The animals march, and then listen to speeches given by the pigs. The conditions for the rest of the animals have deteriorated, and these demonstrations are a means of distracting the animals from their hunger and the cold.

The Spontaneous Demonstrations in Animal Farm allude to Communist/Soviet Russia, where the party would organize similar demonstrations. In Soviet Russia, the demonstrations were meant to look as if people supported the party so much they couldn’t stop themselves from showing their appreciation. The truth was that these were public relations stunts.

Related Articles: Best Book to Understand the Financial Crash after 10 Years

0 comments on “How to Increase Alexa Rank Quickly?”

How to Increase Alexa Rank Quickly?

How to Increase Alexa Rank Quickly

Alexa_Ranking

Every website owner wants to get good Alexa rank for own website. Alexa Gives The Global rank of based on how much visitors come daily, high-quality links, unique content etc.
Alexa rank is updated on a daily basis.

It shows 99% correct Alexa ranking of a website among whole internet sites around the world.

Here is show how to increase Alexa rank quickly?

First, you know What is Alexa Rank?

Alexa is a web analytic company owned by Amazon, they rank the website on many factors like Bounce rate, Daily Pageviews per visitor and Daily time on site.

It also has a resource called Alexa Traffic Rankings.

According to Alexa,

Your Alexa Rank is an estimate of how popular your site is relative to all other sites
. Source — Alexa Blog

Top 5 easy ways how to increase Alexa rank quickly?

1. Install Alexa Toolbar

It is very easy way to increase Alexa ranking. Install Alexa toolbar and visit your site daily.

Alexa toolbar sends web site activity data to the server. Server saves each website activity of visitors.

2. Add Alexa Widget on your site

Alexa toolbar is a nice way to improve your ranking.

But here is one issue,

Most of the visitor who comes on your website would not have installed Alexa toolbar in own browser and also maximum visitor comes through the phone.

So use Alexa widget to solve this problem.

Alexa rank widget works same like Alexa toolbar who counts every hit from visitor and increase your Alexa rank quickly.

How to install Alexa Widget

Copy below HTML code and paste your website.

All you need to replace allusefulinfo.com with your website domain name and put the complete code at the place on your blog where you want to show your Alexa widget.

<a href=”http://www.alexa.com/siteinfo/allusefulinfo.com”><script type=”text/javascript” src=”http://xslt.alexa.com/site_stats/js/t/a?url=allusefulinfo.com”></script></a>

If you are a WordPress site owner install the Alexa Rank Widget plugin.

 

Alexa widget

 

3. Write unique original content

You may write about anything, But most important are to write original quality contents and don’t try to copy content from another blog.

If you write original content based on your own experiences, the visitor would like and love your content and they will love to visit your site regularly.

And Google always loves unique content It also improves your site’s bounce rate and increases site’s ranking.

Other bloggers would like to add your site’s link to their blog.

4. Update your post regularly

Visitor always searches your website for new information so it is important to post content regularly.

If you write daily content and update them on a daily basis then your chances will increase and this will improve traffic with Alexa ranking.

5. Share your content on social media

Today social media is the biggest marketing platform to build the new audience.

Everyone is now active on the web through social media.

Make your Facebook, Twitter and Linked In page for your website.

Also submit your site to other sites like DiggStumbleupon, Delicious, Mix.com

RELATED POSTS: How to increase your Adsense CPC Pay – Simple Tweaks

 

0 comments on “Mortgages in Canada”

Mortgages in Canada

mortgage-in-canada

Mortgages in Canada

This article lists the many variations of Mortgages in Canada. You will see a lot of talk on here and everywhere about CMHC or mortgage insurance. This is the insurance that you pay if you purchase a home with less than 20% down. This is known as mortgage default insurance and is mandatory as per the government if you purchase a home with less than 20%. Mortgage insurance is not available on rental properties or purchases of homes worth over $1 million. The mortgage insurance premium is on the total amount of the mortgage and is tiered. With 5% down you will pay a 4% fee for the mortgage. With 10% down you will pay a 3.1% fee and with 15% down you will pay a 2.8% fee. These fees are included in the mortgage, raising the total mortgage amount you pay. You will have to pay the HST (or applicable tax) at the time of closing. The benefit of the insurance is that you can purchase with less money down and you will get better rates from your lender as they have less risk, which they pass along to you. The down side of this is that you do have to pay the insurance premium which increases your loan amount and payment. Insured mortgages in Canada can have a maximum of 25 year amortization and are subject to passing the current B20 guidelines for stress testing. This is outlined below.

Mortgage Qualifying

In Canada mortgage qualifying criteria is based off of two main ratios your GDS and TDS. GDS (Gross Debt Service) is the amount of your monthly income that can go towards your housing costs. These costs consist of (PITH) Principle, Interest, Taxes and Heating) . The amount that you are allowed to borrow will be based off of your credit score. A credit score of 680 or higher and you can have a GDS of 39%. A credit score below 680 and your maximum GDS is 35%. To calculate your PITH you will need to add up the principle and interest of the mortgage along with the monthly property tax and heating. (Half of your condo fees will also be included is you live in a condo) If this number is less than 35% of your GDS you qualify! The other number used is your TDS (Total Debt Service). This is the total debt that you have, including lines of credit, credit card payments and car loans, but not insurance. This number can be 42% of your gross income with a credit score under 680 and 44% if your credit score is above.

As of January 1st 2018, all mortgage transactions must comply with a stress test guideline, often referred to as B20 guidelines. In order to calculate your GDS and TDS ratios, you would need to ensure that you are calculating these percentages using these guidelines. The end result to a consumer seeking a mortgage is that your GDS and TDS must be calculated at the Bank of Canada Qualifying Rate (as of Oct 16 2018, this is 5.34%) or the contract rate being offered plus 2%, whichever of these is higher.

Fixed vs Variable

Fixed mortgages offer you the same rate over the duration of the contract. If you have a 5 year fixed mortgage at 3.00% interest your payment will remain the same over the duration of the 5 years. Variable rate mortgages are based off of the lenders Prime rate. This was the same across all lenders until in 2016 some banks have increased their mortgage prime rate. This rate will fluctuate based off of the Bank of Canada’s overnight lending rate. A variable rate will go up and down based on the overnight lending rate. The Bank of Canada meets and decides movement 8 times annually. If you have a variable rate mortgage your payment amount can increase or decrease based off of the overnight lending rate. Adjustable rate mortgage is much the same as a variable rate mortgage, but instead of the payment going up or down the amortization will get shorter or longer. Most Canadians call adjustable rate mortgages variable, but it is important to know the difference. Amortization is the duration in which you intend to pay back your loan.

Amortization

In Canada with have mortgage terms, which are how long you are locked in at a particular rate, but the amortization is the total duration of all loans in order to pay back your mortgage. Payment frequencies will vary by lender, but most will offer some or all of the following: monthly (once a month), Semi-Monthly (Twice a month), bi-weekly (26 times a year) accelerated bi-weekly (26 times a year at bi-monthly amount), weekly (once a week). When getting a mortgage you have several options. You can go to your bank, a credit union or a mortgage broker. All have different benefits and are worth exploring to see what is the best fit for you.

Resources

Using TFSA to pay your Down Payment

http://homeownership.ca

 

1 comment on “TFSA Contribution Limit Withdrawals”

TFSA Contribution Limit Withdrawals

tfsa-limit

TFSA Contribution Limit Withdrawals

What is a TFSA?

It is funded using tax-paid money. This means that you do not get any rebate on tax when you contribute to your TFSA. The primary benefit is tax free profits, with no future taxation on withdrawals. This is unlike an RRSP where tax paid is effectively refunded when you contribute, and then tax is later assessed when you withdraw, ideally at a lower rate of tax. The benefit of a TFSA is much more straight-forward – paying no tax on growth is better than paying tax. Extracting and maximizing benefits from an RRSP can be a bit more challenging to manage due to the fact that your tax rate in the future is effectively unknown. This makes contributing to your TFSA an easy choice when you have the room available and aren’t sure if you should be using your RRSP at the time.

The benefit to be obtained from a TFSA is capped by what is known as the “contribution limit”. You may only contribute a certain amount to your TFSA. This means the amount of investments/savings that you can shield from tax is limited by the contribution limit. It is best to maximize your use of this benefit by contributing as much as possible to your TFSA before saving/investing in any taxable accounts.

Who can open a TFSA?

Per the CRA: “Any individual who is 18 years of age or older and who has a valid social insurance number (SIN) is eligible to open a TFSA.”

Source: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/who-open-a-tfsa.html

Note that non-residents or those who were previously/will be a non-resident have special rules regarding the calculation of contribution room – refer to this link: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#P44_1116

TFSA Limit / Withdrawals

Generally the calculation of a particular years contribution limit is as follows:

  • your TFSA dollar limit plus indexation;
  • any unused TFSA contribution room from the previous year; and
  • any withdrawals made from the TFSA in the previous year.

Source: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/contributions.html

In effect this means unused room is carried forward, and withdrawals are added back to the next years contribution room. Therefore you’re always free to use the TFSA since if you need the money for some other purpose you can withdraw the funds, use the money, and get the room back for later re-use.

“The TFSA dollar limit plus indexation” is not calculated by you. It is a prescribed number each year (Currently $5,500). You only accumulate TFSA room so long as you are resident, and are older than or will turned 18 during the year. You accumulate this room regardless of whether you have filed an income tax return (unlike the RRSP which requires a tax return filed to calculate the room). Non-residents should look to guidance on the linked TFSA guide above.

Your contribution room is calculated across all accounts – not per TFSA account. You may have multiple TFSA accounts at different institutions, but you must ensure that your total contributions across all accounts is not beyond the limit.

Here are some examples of the TFSA room calculation: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/examples-tfsa-contribution-room.html#xmpl2

Investment Types

A TFSA account is any account with the designation as a TFSA account. This means a TFSA goes beyond just “savings accounts”. You can have a TFSA account at a variety of institutions and it can hold cash, mutual funds, stocks (except in some circumstances), bonds, GIC’s, and even (in limited circumstances) small business corporation shares.

Source: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#P44_1121

Gains/Losses in the TFSA

Gains earned in a TFSA are not subject to taxation. On the other side, losses in your TFSA are denied from being offset against any taxable gains.

Source: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#losses_incurred

Slips, and reporting your TFSA on your tax return

So long as you have not over-contributed to your TFSA you are not required to report your TFSA contributions, withdrawals, or incomes. You do not need to fill out anything when filing your taxes. Your TFSA information (summary of activity during the year) is submitted by the institution who created the account to the CRA.

How to find your contribution limit

You can find your contribution limit for a particular year at: * CRA My Account; * MyCRA at Mobile apps; * Represent a Client if you have an authorized representative; or * Tax Information Phone Service (TIPS) at 1-800-267-6999.

Source: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#P44_1120

Your Contribution Limit is updated after each year, but it may take a while after year-end for your contribution limit to be properly updated at the CRA. The CRA needs to wait for all of your institutions to file your information, and then it takes a while for the CRA to update their systems to reflect the new limits.

Generally speaking it is a good idea to track what you would expect your TFSA limit to be to ensure that all institutions have properly filed the activity for the year. Any errors by your institutions are your own responsibility to resolve in order to avoid penalties. You can call the CRA for an activity summary if you need the detail of activity filed with them in order to reconcile your TFSA limit. If you believe there is an issue with what one of your institutions filed then contact that institution – and then contact the CRA if they are unable to help.

Source: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#p3021_26370

Day Trading in the TFSA

This is nearly impossible to comment on in a wiki article, however it needs to be at least mentioned. The issue with day-trading in your TFSA stems from the following rule – you are prohibited from using the TFSA to shield the incomes of a business activity (as a business is not an eligible investment for a TFSA). In taxation the term “business” has a specific definition that alludes to some general factors to determine what is business activity. Generally speaking passive investing, or investing through a normal adviser, or long-term buy and hold investing, would not be considered a “business activity”. However, frequent (day) trading or highly speculative trading (and the research and other activities that come along with this) ends up being seen by the CRA (and our taxation laws) as a business activity. The CRA is increasingly targeting individuals with high profits/high activity for audits of their TFSA accounts. It is NOT recommended to day trade or keep highly speculative investments in your TFSA. AGAIN, this is FAR from a detailed explanation of the issue.

Effects on Credits

As withdrawals from a TFSA are not considered to be income you can freely withdraw funds from your TFSA without concern for losing certain income based credits such as the WITB/HST/CCB or other amounts.

Source: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#P44_1117

Foreign funds

Foreign funds be held in a TFSA account (such as US dollars and US dollar denominated investments), but for the purpose of reporting the usage of contribution room/withdrawals the amounts will be converted to Canadian dollars.

Source: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#p3021_26419

Death of a TFSA Holder

I can only provide a link in this wiki article for this issue: https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4466-tax-free-savings-account-tfsa-guide-individuals/tax-free-savings-account-tfsa-guide-individuals.html#P44_1119

0 comments on “Car Insurance”

Car Insurance

car-insurance

Car Insurance

This article provides in-depth information on various Types of Car Insurance Coverage (mostly applicable for drivers living in the US) and also on how to Save on Insurance effectively.

Types of Coverage

Your auto policy is broken down into different coverage types. The types are fairly standard company to company and across different states. There is some variation in exclusions and definitions between insurance companies. In addition, different states have different minimum requirements as well as some different coverage options and requirements.

  • Collision: This is what most people think of when they picture car insurance. It covers damage to your car resulting from an accident (with another car or stationary object). Collision is usually required when you have a car loan. When you don’t have a loan, collision is usually an optional coverage. If you are driving a beater it may not be worth the money to insure, especially if you have an emergency fund to cover a new car in case of an accident. Deciding whether to drop collision is a personal decision. It is recommend talking to an agent. They can break down your quote and tell you what it costs to keep collision on your vehicle. This will help you decide if it’s worth it.
  • Comprehensive (Comp): Comp is similar to collision but this covers damage to your car caused by an ‘act of god’ (wind, hail, falling trees, deer, cracked windshield, etc.) Everything else said for collision applies here. However, note that you can have separate deductibles for comp and collision. Many people like having a lower comp deductible to cover the less severe cosmetic damage (hail, glass).
  • Property Damage Liability or Physical Damage (PDL or PD): If you’re deemed at fault in an accident, this covers the damage to the other car(s) and / or building / property you damage. This is a required coverage with the required limits varying state to state. I’d highly recommend getting at least $25,000 limits (if not more) even if your state requirements are lower. If the damage you cause exceeds your limits you will be legally obligated to pay the difference out of pocket.
  • Bodily Injury Liability (BI): This is similar to Property Damage Liability but it covers the person you injure, not the car. BI pays for medical bills, pain and suffering, wage loss, and funeral service. It is primarily used for people in the car you hit but also covers pedestrians you hit and any passengers in your car. However, note that this coverage does not cover you (the at fault driver). The limits with this coverage get a little more complex. There are two limits. Per person and per occurrence. A common example would be 50/100. This means it will cover up to $100,000 for any given accident but each person is limited to $50,000. Like Property Damage Liability, you could be held liable for additional damages if your limits are insufficient. A minimum of 100/300 is recommended.
  • Medical Expense / Medical Payments (Med Pay): This covers your (and your passengers’) medical bills. It is a no fault coverage so it applies regardless of who caused the accident. This is a great coverage, especially if you have no / limited health insurance. Even if you have health insurance this is nice because there are no deductibles / copays. In some PIP states (see below) med pay is not available.
  • Personal Injury Protection (PIP): This varies greatly from state to state and is not offered in some states yet required in other states. Like med pay, it’s a no fault coverage. It will cover your medical bills regardless of who is at fault. However, unlike med pay, there is sometimes a threshold; you must reach a certain amount of medical bills before this coverage kicks in. Another difference is that PIP also covers additional expenses such as wage loss.
  • Uninsured / Underinsured Motorist (UM/UIM): This is an additional coverage and varies from state to state. It basically covers accidents where you’re not at fault but the other person doesn’t have any / enough insurance. You may be thinking that earlier this page mentioned under BI/PD that if you’re at fault you can be held personally liable if your insurance limits aren’t sufficient. So why would you need this coverage? If the other party is at fault either their insurance would cover it or they would pay out of pocket. But what if it’s a hit and run? Or an unemployed bum? The chances of you ever seeing a penny is slim. This coverage protects you when the liable party is unable to pay. The PD portion covers damage to your car and the BI portion reimburses you for medical bills, pain and suffering, and lost wages. So now you’re probably thinking well I have health insurance plus I already have med pay so why would I need this? Simple. This offers further protection. If you’re in the hospital, unable to work, after the accident this will cover your lost wages. If you require in home care, this will cover it.
  • Other: Depending on the carrier, there may be other optional coverages such as emergency road side assistance. These are highly variable so they will not be covered here.

Ways to save on insurance

Here are a few tips on how to save.

  • Shop around. Talk to an agent. Get a quote online. There are dozens of factors that go into pricing and each company has a slightly different formula. Find the company whose formula works in your favor.
  • Pay your bill upfront rather than monthly. Many companies give you a discount for paying right away rather than once a month. Additionally, if you’re able to use a rewards credit card to do this you could get additional cash back (just make sure to pay your statement in full to avoid paying interest).
  • Adjust your deductibles. Sometimes this makes sense, sometimes it doesn’t. It really comes down to how the company prices and how comfortable you are with risk. For example, if some cases, increasing the deductible from $500 to $1,000 would have only saved the driver $8 every 6 months or $1.33/month. In order for this to work out in that person’s favor, they would have to go 375 months without an accident. In this situation it wouldn’t be worth the extra risk and kept the lower deductible. However, if you feel you’re a safe driver and are unlikely to get in an accident, and also have an emergency fund big enough to cover a large deductible, go ahead and increase your deductible and save a few dollars.
  • Bundle. Try to get your homeowners / renters through the same company. Most places offer a large discount when you bundle. If you have children / dependents it could also be worth looking into term life as well.
  • See if you can get a discount for taking a defensive driving course. Just make sure the discount would offset the cost to complete the course.
  • Get usage based insurance (UBI), especially if you do not drive a lot. Many companies offer a discount for installing a device in your car that monitors your driving habits for a few months. On top of the discount offered for installing the device, most companies will then lower your premium further if you have safe driving results.
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Detailed Step-by-Step CIC Express Entry Instructions

CIC-Express-Entry

Updated: 21-Nov, 2018

Thank you all for the overwhelming response on the blog post Canada Immigration Express-Entry – The Golden-Mail

As a number of subscribers have requested a detailed post on a step-by-step instruction on how to apply for Express Entry process (in order), our team have compiled the same below:

How to apply for CIC Express Entry

1) Determine your eligibility by doing this CIC quiz:

http://www.cic.gc.ca/ctc-vac/ee-start.asp

2) Get your language test(s) done. You must get at least CLB 7 in each of the four sections for the Federal Skilled Worker (FSW), Provincial Nomination Program (PNP) or Canadian Experience Class (CEC) streams. But getting CLB 10 gives you maximum points for language.

How does CLB match back to the language tests? To know more, check the below: http://www.cic.gc.ca/english/resources/tools/language/charts.asp

You can book your IELTS examinations from British Council: https://takeielts.britishcouncil.org/book

British_Council_IELTS

 

3) Get your qualifications assessed by doing an Education Credential Assessment. Details here –> http://www.cic.gc.ca/english/immigrate/skilled/assessment.asp

You can get your Education Credentials Evaluated from WES: https://www.wes.org/ca/

WES_Credential_Evaluation

A WES sample report for ECA evaluation for Immigration is attached below:

sample-CE-CA-ECA

4) Determine the code that best applies to you on the National Occupation Classification (NOC) list http://www.cic.gc.ca/english/immigrate/skilled/noc.asp

The occupation must be NOC 0, A, or B for FSW or CEC.

5) When you have those in hand you create your express entry profile. http://www.cic.gc.ca/english/immigrate/skilled/profile.asp

and

Register for the Job Bank

http://www.jobbank.gc.ca/home-eng.do?lang=eng

You’ll be given points based on your age, education, number of years work experience, and language skills. The points system is detailed here –>

http://www.cic.gc.ca/english/express-entry/grid-crs.asp

You’ll be in a pool with thousands of other applicants

http://www.cic.gc.ca/english/immigrate/skilled/pool.asp

Of course, the more points you have the better. The max is 1200, with 600 of those points coming from your ability to snag a PNP or a job offer with a very hard to get Labour Market Impact Assessment http://www.cic.gc.ca/english/work/employers/lmo-basics.asp

For CEC applicants, the max is 600 but someone who has no work experience in Canada who is only eligible for FSW can only get up to 520 points.

6) Finally, wait for your invitation to apply (ITA). But in the interim you will need to do the following:

a) Have your application fee (C$550 each for principal applicant and spouse) and right of permanent resident fee (C$490 each for principal applicant and spouse) ready
http://www.cic.gc.ca/english/information/fees/fees.asp

b) Identify how you will provide proof of funds 

http://www.cic.gc.ca/english/immigrate/skilled/funds.asp

c) Check out what is required for the Police Clearance  Certificates 

http://www.cic.gc.ca/English/information/security/police-cert/index.asp

d) Find out how long it takes to get a date for the Medical Exam. http://www.cic.gc.ca/english/information/medical/medexams-perm.asp

e) Contact previous and current employers about them providing Job letters. You must have at least 12 months of full-time, or an equal amount in part-time, skilled work experience. Full-time work means at least 30 hours of paid work per week. Work experience while you were a full-time student does not count.

f) Research Cities in the province(s) where you want to live.

RELATED POSTS: The Journey Begins… Landing in Canada as an Immigrant

0 comments on “History of India”

History of India

History_of_India

HISTORY OF INDIA

It’s amazing to learn about the Indian History which we often miss out in schools. I never knew there was a Greek Indian Kingdom in India for a significant time till I checked out the map of Empires of India. I find it quite surprising that the British were the first to have the entire Indian Subcontinent under their control, with the Mughal Empire coming second with only the south and some parts of the east outside their control.

 

Romilla Thapar’s book Early India from the origins to 1300 AD is a great book to start learning about this era.

FACTS ABOUT EMPIRES OF INDIA

​It is believed that there was a Greek ambassador known as Megasthenes in the Mauryan Empire. Mouryas and Guptas ruled from Arabian Sea to Bay of Bengal, covering both the populous Indus and Ganges valleys, that was an achievement then. British could rule mostly because of technological advancements in shipbuilding.

The level of control enjoyed in the Deccan by the Mughals probably exceeded that of the Delhi Sultanate, and the Guptas and the Mauryas (in that order). None of them were able to truly consolidate their holdings in the Deccan, with their large territorial dominance lasting ~50 years at the most. Why? Technology, as simple as that.

By the age of the Mughals, shipbuilding, gunpowder etc. made it easier to build nations. The notion of currency, banking institutions, tax codes etc. were much better developed. Armies were professional, weaponry was far more advanced. Tribal kings would wilt under Mughal artillery barrage but could probably give a tougher fight to a Mauryan army.

0 comments on “Samsung’s Upcoming Foldable Phone”

Samsung’s Upcoming Foldable Phone

samsung_foldable_phone

Samsung’s Upcoming Foldable Phone

It’s finally official for all Samsung lovers.

via GIPHY

Yes, Samsung has finally revealed its groundbreaking foldable phone after years of speculation, rumors, teases and mocked up protoypes.

Despite the media hype and teases from Samsung, this event never really hinged on the foldable phone. The developer’s conference is intended, naturally, for developers, and covered a whole load of inside-baseball updates that general consumers wouldn’t be interested in. And then, in the middle of it, came the much fabled Samsung folding phone. Or rather, the screen technology that will be key to the folding phone.

The key to Samsung’s folding phone is in its Infinity Flex display. The company aren’t referring to this device as a ‘new phone’, but more as a new range of devices. The focus for the brand isn’t on a one-off phone with an innovative new angle, but more the way the new technology could be applied to a range of products.

The biggest challenge in the design was making the screen thin enough to fold, and Samsung boasted that it had managed to reduce the thickness of its polarizing display component by 45%. This is essential, as it’s this component that handles the way the screen dissipates light, so your view isn’t obscured by reflections.

While the hands-on time with the display was brief, a presentation that followed told us more about the abilities of the Infinity Flex, claiming that it was not only foldable, but also rollable and stretchable.

When Will the Folding Phone be Released?

We knew that the folding phone was close – Samsung CEO DJ Koh had been dropping more and more elaborate hints in the past few months. However, if you’re expecting one under the Christmas tree this year, you’re going to be disappointed.

The technology will apparently be going into mass production within the next few months, according to Samsung, so it’ll be 2019 before you can walk into a store and buy one. The precise date remains to be seen, and the fact that we haven’t even seen the final version of the product yet means it won’t be for some time.

Then there’s the price. No word was given on the cost of the phone, but you should probably start saving now. Samsung is manufacturing an innovative display, and that doesn’t come cheap. Luckily, early adopters have deep pockets, but for the average consumer, the price tag will likely be an eye-popper.

Will it use this new technology to regain it’s edge over Apple? Only time can tell !

We know that phones are getting bigger and bigger in size which is making it almost practically difficult to handle. But we all want a bigger screen.

Advantages:

  • Multitasking – You’ll be able to operate 3 phone screens separately or 1+1 tablet and phone screen simultaneously. This is a huge boon for all the multitaskers.
  • Bigger and beautiful screen – You’ll be able to carry a tablet but it will actually be a size of a phone. The video and gaming experience will be beyond the expectations.

Disadvantages:

  • Too thick – The picture tells us that this phone will be very thick and kind of ugly when folded. This will make it heavier in the age of slim phones.
  • Terrible battery – Running 3 phone screens on a phone is not a joke. The battery will be poor, it is very logical. Forget about surviving for a whole day while playing high-end games.

Is it worth buying?

For normal users, maybe not. It will be expensive and a new technology takes time to develop. This smartphone will be facing initial undesired problems.

It might not go flop provided that it will not have major bugs during the release.

However, it might not get an instant hit as well.

0 comments on “Google’s Future Competitor”

Google’s Future Competitor

Google's_Future_Competitor

Who’s Google’s Future Competitor?

We all know “Google” for the past 20 years as the biggest company which provides services like Gmail, Search Engine, Mobile OS, YouTube etc.

Ever wondered how they make profit? As we all know, they earn money only from their advertisement tool called Google AdWords. Facebook uses similar tools to earn money which is called Facebook Adverts (Advertising Tool).

Now as we know that both Google & Facebook earn money using the same methodology, we might think them to be a competitor of each other. Isn’t it? But the reality is something different ! Let’s find out the inside story.

Data Sharing Pipeline

If you slightly change your vision, you will realize that it’s a partnership business. I know this because Facebook & Google share their user information with each other. Yes ! your searches are all recorded and you certainly don’t have any privacy. Do you know how advertisers track you online to show only relevant Ads based on your interests?

Thanks to big companies like Google and Facebook !!!

For Example, if you search “Pizza Order Online” in any of the Google platforms like Play Store, Chrome or Search Engine, your information is recorded and that data could be shared to Facebook network immediately.

And the next minute, you see Kites Cafe’s Facebook Ad.

So, both have shared their customers data and their revenue share depends upon the partnership & performances of online users. The user has been tracked by the re-marketing technique which uses it to show the ad based on your interest. So, this AD can follow you wherever you go and whatever platform you use. Moreover, Google gets data from it’s own partners like YouTube, Google Play-store, Android OS and Google Search Engine.

Who’s Google’s real Competitor?

When it comes to competition for search engine traffic, Google isn’t most worried about Microsoft Bing or Yahoo as a threat — actually, it’s Amazon.com. That’s what Google executive Eric Schmidt thinks.

But while the two companies compete on a number of levels — from phones to cloud services to drones to search engines — there is also some “co-operation” between the two. For example, Amazon was the biggest spender on Google search ads in the U.S. last year, spending a whopping $157.7 million.

E commerce Evolution

Yes! every big company wants to enter the e-commerce platform. Google & Facebook are in the process of starting their e-commerce platform soon. According to market research, only the Online Retail Market will have the potential to rule the world business in the upcoming years which is exactly what Amazon is doing.

Voice Assistant

Amazon introduced it’s new voice assistant device called Amazon Echo which can be used in home automation functions. To compete in this space, even google introduced it’s voice assistant technology product called Google Home which can used for the same purpose.

Artificial Intelligence’s Entry

Sometimes I have thought about Google to become a sky-net which I have seen in the Terminator movie. In my early days, one of my colleague warned me not to underestimate Google and it’s products. Then I started being aware of their business & and their products. All the changes & updates reminded me of the sky-net. All data under one data center. Terminator movie clearly explained that the world’s last day will come because of the robotics war.

Example, if we take top companies in the world, they are ready to use advanced technology. Amazon & Domino’s have a plan to increase their door step delivery by drones.

These drones can scan the customers house for up-sales. But this not related to our topic, so let’s go to conclude the topic.

Anything under human control is better for human living, otherwise if we go for machine learning to survive the competition, we may have to face the last day of the world soon.

Anyhow we need to have an awareness of the advancement in technology which can rule the world in the next 20 years.