Archive for October, 2008

Solutions to personal debt

Friday, October 31st, 2008

Solutions to personal debt

Rather than struggling to keep up multiple payments to multiple debts, some people decide to consolidate their debts - repaying their smaller debts with one large loan. This means they’ll only have one payment to make per month, reducing the risk of missing payments (and the charges and damage to their credit rating that can result).

Plus, a consolidation loan can come with a lower interest rate than many other forms of unsecured credit. It can also give the individual the chance to think about their finances and arrange to repay the loan at a rate they can afford - again, repaying a debt more slowly will mean it takes longer to pay off and can end up costing more, so it’s vital to weigh up the pros and cons before proceeding.

Individual Voluntary Arrangements. A form of insolvency, an Individual Voluntary Arrangement is a legally binding agreement between a borrower and their creditors. If you owe around £15,000 or more to multiple unsecured creditors, an Insolvency Practitioner (IP) can tell you whether an IVA might be the best way for you to cope with your debt. If they think it is, they can draft up an ‘IVA proposal’, detailing how much you can afford to pay towards your debts every month for the next (normally) five years, once you’ve taken your essential expenses into account.

If enough of your creditors agree, the IVA can start. You’ll agree to make those monthly repayments (and possibly free up some equity in your home, if you’re a homeowner), and they’ll agree to freeze your debt, hold off on any legal action (such as trying to make you bankrupt) and write off any outstanding debt once the arrangement has successfully concluded. Please note: an IVA will have a serious impact on your credit rating, potentially making it harder to borrow money for the next six years.

Who an IVA is right for: people who owe money to three or more unsecured creditors a total of around £15,000 or more and can’t afford their monthly repayments - but can afford regular smaller payments.

Trust Deeds. A Trust Deed is similar to an IVA, but only available to residents of Scotland. In most cases, a Trust Deed will last for three years.

Who a Protected Trust Deed is right for: residents of Scotland who owe three or more unsecured creditors a total of around £10,000 or more and can’t afford their monthly repayments - but can afford regular smaller payments.

No debt solution is ‘right’ for everyone. If you’re in debt, it’s vital to talk to a debt specialist who understands all the available debt options and can help you choose the option that’s right for you.

Would you like to go out and buy a boat and desire a fast loan

Thursday, October 30th, 2008

It doesn’t matter if you live in Lakeville Minnesota or in Everett Massachusetts a honorable online inspection will alleviate you often a lot of incommode. Nowadays you can check over rates quickly online and encounter if there are possible traps you should know about. Analyze to see if the merchant bank who wants to give you a credit loan is secure. 13.1 percent loan rate may look so good but will it stay changeless after you’re going to pay back your loan.

The Dutch translation means: Woon je in Delft of Brunssum en heb je BKR. Lenen met een BKR notering is nog nooit zo gemakkelijk geweest. Haal snel een nieuwe auto met een bkr met geldlening, 280537 euro is geen obstakel om te financieren. Van Margraten tot Bladel, financieren met een BKR notering kan hier altijd.

That’s the reason why now you need to check over and insure if you can have a bank loan at a serious percent rate. A moneylender in Dearborn Heights Michigan or so can have a total completely different actual rate of interest for a 10000 dollar credit loan then a bank in Anderson Indiana and that makes a vast clear difference in your monthly pay offs. Many of the banks wil show you a interest rate that looks honest but doesn’t feel well or so after a while. Be promising today to check up if you have a special offer or if you don’t with the moneylender that offers you a loan.

“I Love Florence in the Springtime”

Thursday, October 30th, 2008

Shortly after landing in Rome’s Fiumicino airport, it will hit you like a ton of cobblestones: You’re in Italy.

Simply being in Italy is surreal. Walking around, the images that you’ve seen in photos and films literally come to life. The sites and people aren’t extremely extravagant, but there is an abiding sensation that you are in a different world.

Last year around this time, York Italian literature professor Elio Costa told me about the annual trip organized by the Italian department.

“But it’s too expensive,” I thought immediately. I had been to Italy once before and three weeks of memorable travelling left me with serious credit card debt. Professor Costa told me to look into some bursaries and I did. When I was granted $1,500 in financial support, I started to stock up on film.

You land in Rome and take a coach to Florence, where you’ll spend three weeks, staying at Instituto Gould, a hostel-like place that gives proceeds to needy children and orphans.

You’ll have class from 9-11:30am, Monday to Friday, but calling it “class” doesn’t do it justice, since most of these “classes” are walking tours of a city. The rest of the day is leisure time, as are the weekends (during which you can take a train to nearby Siena and to many other towns that border Florence). The three weeks spent in Florence will fly by, and you can spend the following three weeks in Italy’s capital - and my favourite city - Rome.

Florence differs from Rome because in Florence, everything is within walking distance.
You will walk to everywhere - restaurants, churches, nightclubs, even trendy outdoor discotheques in the north riverbank Le Cascine district (walking there was easy, butwalking home in stilettos wasn’t). We learned an important lesson walking alongside the Arno one night. Just a few feet away from us, over the river, colonies of pippistrelle, (or bats, which are pretty common in Italy) decided to give us some unexpected company. The bats were bold, generally flying within a few feet of us, and in large clusters. Every once in a while a single bat would swoop down and come face-to-face with us, startling us with its bravado. There are, I noticed, some striking similarities between Italian bats and Italian men.

But even if you opt for a cab, don’t expect them to be readily available. Taxis in Italy don’t speed around the city looking for passengers and if you happen to find one and flag it down, consider yourself lucky. Walking back to the hotel one night, strolling arm-in-arm with some friends, we noticed a police car stopped alongside the river.

“Let’s ask them for a ride home!” suggested one of the girls. (For those of you that have never been to Italy, all of the police officers are young and gorgeous.)
So we approached the car and with big smiles plastered across our faces, tapped on the window. Our faces dropped when they rolled the windows down and we spied what they were doing in the privacy of their police car: Reading Italian comic books (we did not get a ride home).

It’s hard to spend six weeks in Italy and not have dozens of adventure stories to come home with. Every day is filled with adventure: For instance, finding a cold drink.
On one occasion, I was at a train station and, seeking a thirst-quencher from the sweltering Italian sun, deposited 2 (about $3) in a vending machine for what turned out to be a lukewarm can of Nestea. Determined not to dehydrate, I popped another coin into the machine and got yet another can of warm iced tea. A stranger that witnessed the disheartening event leaned over to say, “E normale” (”It’s normal”). Ironically, nothing is normal in Italy - especially not in Florence.

Even though Florence, along with other Greco-Roman cities, was a sort of blueprint for Western civilization, it’s difficult for North Americans to relate to the Florentine lifestyle. Italians linger over lunch, they rarely watch television and they never talk about money.

So why do tourists flock there? It might be the aesthetic appeal. Along with the handsome police officers, the city is an open-air art museum. The city is full of massive architectural marvels, museums, hundreds of intricately designed churches, not to mention the hand carved beauty that can be found on every street corner.

With street names like Via delle Belle Donne (Beautiful Women Street), one has to wonder how even the seemingly mundane details of this city are infused with loveliness.

The streets themselves are lovely. Designer boutiques like Gucci, Ferragamo and Prada line the extravagant Via de’ Tornabuoni, a higher end stretch of shops ideal for window shopping. You’ll get lost in San Lorenzo’s outdoor market, rich with colourful merchants who will get on their knees and beg you (I’m serious) to try on their goods. You’ll marvel at the glittery jewelry stores along the historic Ponte Vecchio, one of the many cobblestone bridges that cross the Arno.

But since Italy and Italian cuisine are so inextricably linked, I have to say that Florentine cuisine is probably the best and simplest cuisine that exists, using basic, fresh ingredients, most of which are grilled (alla Fiorentina) to perfection. If you decide to eat in some of the more touristy areas (in any of the major piazze, or town squares) you’ll pay double, maybe triple, the cost of what a Florentine citizen would pay. San Lorenzo has some great, reasonably-priced restaurants and of course there are hundreds of cafes, bars and pubs. The pizza - in almost every pizza place - is mouth-watering.

And the gelato? Oh, the gelato … It is suffice to say that La Paloma and other gelaterie that are scattered around Toronto simply pale in comparison to what Florence has to offer. But since I am not a talented enough writer to do it justice with words, the gelato mention here will be minimal.

Florence is ineffable, and with obvious bias aside, full of love. Yet, in the midst of all of this tangible beauty (including 60 per cent of UNESCO World Heritage Sites) many North Americans are disappointed with their travels to Italy.

“Because [North] Americans go all over the world,” explains professor Costa, “and they expect the world to be a copy of the United States. They want to travel the world and have everyone speak English and serve you hot dogs in the street.”

After completing our course in Florence, my friend Mariangela Tagliabue (a third-year Italian major) and I spent the next three weeks of our trip travelling along the Northern part of Italy, but first spent four days in Rome, la citt eterna, (”the Eternal City”). Rome is much bigger than Florence, so most of our getting to-and-fro was spent squished into the backseat of tiny little cars, careening dangerously around a city where streets have no lanes and traffic lights are purely decorative.

While in Rome, Mariangela and I had the opportunity to meet Pope John Paul II. We sat through an outdoor mass in St. Peter’s square, just four rows away from the now-ailing Pope, and when the mass was over we were ushered into a lineup of people for a brief encounter with him. We weren’t prepared to meet him and quickly turned to the person behind us and asked what we should say to him. What, after all, do you say to the Pope?

The man, stifling laughter, gave us a formal phrase to repeat: “Sua Santita, prega per noi” (”His holiness, pray for us”). As we were approaching, the Pope was wearing red velvet slip-on shoes. When it was our turn, one of the Pope’s aides that stood alongside him signalled us to approach quickly and kneel before him. Mariangela promptly stepped forward, but I stood just a few feet before him, transfixed by the majesty of this man, clothed in ornate robes and much larger than I had expected him to be.

Kneeling before him, a small cluster of papparazzi stood alongside us, snapping photos. In between all of the camera flashes and noise and the Pope’s aides surrounding us, we were face to face with one of the most famous men in the world.

We were frozen. We held his soft hands (I actually wondered what kind of moisturizer he used, and whether or not he applied it himself) and he cupped our cheeks. We mumbled the ceremonial saying, unmoving. But when our time was up and his aide took my arm, I quickly added something that I knew my boyfriend would appreciate: “Luigi says hi!”

If not for the pictures, I doubt anyone would believe us.

About the Author

Student writer, professional daydreamer. Go to www.pumpkin-face.com for a complete list of articles.

Going Tropical In Puerto Rico

Wednesday, October 29th, 2008

Going Tropical in Puerto Rico

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CULEBRA PROTECTS SEA TURTLES

The U.S. Fish and Wildlife Service, in conjunction with Culebra Northshore, S.E. (Special Entity) and William V. Mailloux, Managing Partner, has established the first ever Habitat Conservation Plan for the Caribbean. Culebra Northshore, comprising 26 hectares of land, is a proposed residential development on the island of Culebra, Puerto Rico.

“No single government agency working alone can ensure the survival of the wildlife resources we all share,” said Sam D. Hamilton, Southeast Regional Director for the U.S. Fish and Wildlife Service. “It takes the cooperation of private landowners and a wide variety of other interests to conserve our nation’s animal and plant species for the future.”

“Yet when people examine the effects of their activities on the environment, they sometimes face what they see as a choice between conservation and the legitimate use of their land,” continued Hamilton.

Congress addressed that issue in 1982 when it amended the Endangered Species Act to authorize Habitat Conservation Plans. When carefully implemented, these plans allow resource managers and property owners to carry out their lawful activities while becoming partners in maintaining wildlife habitat.

A 12-year incidental take permit for the Culebra Northshore Habitat Conservation Plan was issued. The proposed development calls for the sale of 45 residential lots over an 8-year period. Three of the lots border Tortola Beach, which is approximately 90 meters long and 15 meters wide. The permit authorizes the take of two leatherback or hawksbill sea turtle nests on Tortola Beach during the 12- year life of the permit. The Service has been monitoring sea turtle nesting activities on Culebra since 1984. Three hawksbill nesting activities have been reported on Tortola Beach, one in 1985 and two in 1995. Leatherback nesting has also been reported on Tortola Beach during 8 of the previous 14 years. During the 8 years when nesting occurred, an average of 2.5 nests per year were documented.

The Service works with private landowners and other non-federal entities to develop Habitat Conservation Plans that authorize incidental take of listed species. This historic agreement highlights the cooperative efforts between the Service and private sector to conserve and protect endangered species while not sacrificing landowners’ rights to develop their property.

The Service’s Boquern Field Office worked closely with the landowner in the design of minimization and mitigation measures.

“Development and environmental protection are often considered to be mutually exclusive,” said James Oland, the Service’s Boquern Field Office supervisor. “This project, however, demonstrates that the two can co-exist when efforts are made to address potential conflicts before they become a problem.”

The Culebra Northshore, S.E. proposed 17 conservation measures to minimize and mitigate impacts from the proposed project to sea turtles and their nesting habitat. These measures include:

* A conservation easemGet Your Dive Gear Here Onlineent on 2.2 hectares to protect natural forest and provide a buffer against upland erosion onto the beach.
* Prohibitions on construction activities (e.g., beach armoring, beach nourishment), mechanical beach clearing, and vehicle traffic or animals on the beach, as well as removal or trimming of beach vegetation.
* Directing pedestrian traffic to the beach on to only one boardwalk across the shoreline and sand dune area.
* Erection of a low fence at the end of the

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http://www.jetsettersmagazine.com/archive/jetezine/globe02/Carib02/prico/wildlife/salt1.html

By Kriss Hammond - Jetsetters Magazine Correspondent - at www.jetsettersmagazine.com

About the Author

Kriss Hammond Jetsetters Magazine. Join the Travel Writers Network in the logo at www.jetsettersmagazine.com

Focused On Film In Seattle

Tuesday, October 28th, 2008

Focused On Film In Seattle

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Film festivals are a great way to travel: either to travel to a city where a film festival is happening, or to “travel” through the wonders of the cinema.

Some film festivals have become so famous that the cities they are in have become destinations: Cannes, San Sebastian, Park City (Sundance), Telluride. Other festivals are in famous cities such as New York or Toronto. The Seattle International Film Festival (SIFF) is now in its 27th year (they skipped 13, so this one was dubbed the “28th annual”) and provides a great way to get to know Seattle. Since the venues are spread out over downtown and Capitol Hill, I spent a great deal of time walking between theaters, finding restaurants along the way, and just admiring the views of Puget Sound, Elliott Bay, and the majestic Olympic Mountains.

As far as travel through film goes, I spent three hours in the far north with the Inuktituts of northern Canada (The Fast Runner), some time in a cab in Santiago, Chile (A Cab for Three), bopped along to musicals from Thailand and Japan (Mon-rak Transistor and The Happiness of the Katikuris, respectively), and learned a sobering lesson about AIDS orphans in Uganda (ABC Africa).

Film festivals also challenge your perceptions about other countries. For example, who knew that the usually bleak Finns could produce a comedy similar to a “Kids in the Hall” sketch (On the Road to Emmaus) or that Swedish actresses had a sense of humor (Gossip)? Or for instance, that a Japanese vampire/samurai/gangster/zombie movie (Versus) could have a higher mousse::actor ratio than a John Waters film? If you want to see the truest movie about gay lovers that I’ve ever seen, mainland China would not be first place I would think of, but Lan Yu floored me with its brutally honest portrayal. No Will or Grace here.

As with any festival, you start learning what’s good from other ticket holders as the festival goes on. Films get to be known by a sort of shorthand. For instance, there was the “gay Rashomon” movie from the U.K. (Lawless Heart) and the “curling comedy” about the Olympic sport of Curling (Men With Brooms); or, you overhear people talking about a film “that movie freaked me out” and piece it together with what day it is and who’s talking to come up with this: a piece of crap Japanese movie about evil screensavers chasing high school students and convincing parents to kill themselves in their washing machines (Uzumaki) coming soon to a late night theater near you. Not that I’m advocating this, but if you really insist on seeing this stupid, stupid movie, then take a great deal of pharmaceutical substances first. I don’t know about you, but computer screensavers just don’t seem all that threatening to me.

Of course, a film festival isn’t only about films that you can see. SIFF is also full of filmmaker’s forums, where you can go to learn about various aspects of the filmmaking industry, network with directors, screenwriters, or producers, and listen in on panel discussions about various states of the industry. Even if you don’t take the time to attend a forum, you can get a taste of how a film came together, simply by hanging out at most films after the closing credits and listening to the director or star of a film take questions from the audience. If this is your focus, however, be sure to pay special attention to the program guide and see which films advertise that a guest will accompany the screening.

Seattle doesn’t have the festival party scene that you read about with Sundance or Cannes, but there are some parties. The opening night and closing night galas are part of your ticket for those events and can be exceptional fun. We went to the closing night film/gala this year and had a great time. The film was Passionada, directed by the cofounder of the festival, Dan Ireland and the party was at the new Elliott Hotel (Hyatt) at 7th and Pine Streets. The working class world of a Portuguese community in New Bedford, Massachusetts, and the grand lobby of the Elliott didn’t exactly complement each other, but they were both worth it. And how can you pass up a party where the drinks are free, the food is good, and you get to bump into the stars of the film or sit next to the guy who inspired the story of The Big Lebowski?

Now about those films: I saw 56 films in 25 days. Because of the way films are scheduled against each other, it isn’t actually possible to see all the films in the festival. Most of the films were new, but the festival was also doing a retrospective of the last golden age in American cinema (the 70s — a local theater was also showing 70s films as a festival sidebar), a tribute to cinematographer James Wong Howe, and its regular programming of archival films.

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Jetsetters Magazine Correspondent - Read Jetsetters Magazine at www.jetsettersmagazine.com To book travel visit Jetstreams.com at www.jetstreams.com and for Beach Resorts visit Beach Booker at www.beachbooker.com

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Jetsetters Magazine Correspondent. Join the Travel Writers Network in the logo at www.jetsettersmagazine.com Leave your email next to the logo for FREE e travel newsletter.

Debt Collection, Part Two

Tuesday, October 28th, 2008

If the creditor’s collection department cannot collect the debt from you, it will next be turned over to an outside collection agency. A collection agency is a company in the business of collecting debts. Many collection agencies work on commission: They usually collect between a third and two-thirds of the amount they bring in for the creditor. Alternatively, some collectors or investors will “buy” bad debts for somewhere around 50 percent of the face value and try to collect for themselves.

Delinquent accounts are usually first turned over to “primary” debt collectors. These collectors try to bring in easier loansones that are only a few months behind. If they are successful, they receive about one-third of what they collect. If a primary collector can’t get you to pay within six months or so, the loan is usually turned over to a “secondary” collector. The secondary collector tries for another six months or so to collect. If successful, the debt collector will receive a commission of up to 45 percent. If the secondary collector can’t secure payment, the debt may be turned over to a third collectorthe “tertiary” collector, who will earn a commission in the 50 to 55 percent range.

Credit card accounts are considered tough by many collectors, because in most cases the bank’s internal collectors have already triedand failedto collect. For that reason, some agencies start legal proceedings very quickly on delinquent credit card accounts. Others hire lawyers to send letters threatening legal action: If you don’t pay, they say, they’ll turn your account over to a lawyer for legal proceedings.

Remember, paying the creditor before the account is sent to collections is beneficial both to you and to the creditor to which you owe the money. The creditor saves the collection fee and you avoid a collection account listed on your credit record. Although not frequently the case, creditors’ internal collection agents may also earn commissions on the debts they collect. If that is the case, it is in the collector’s personal interest that you pay. Make it clear to the collector that you understand how this process works, and that you are amenable to working with them.

Once your account has been turned over to a collection agency, you usually can no longer negotiate with the original lender. If you call them to discuss the debt, they’ll just refer you to the collection agency.

Don’t assume a debt has been “forgiven” if you don’t hear from a creditor or collector for a while. Collections may start three, four, or five years after a debt was charged off by the bank, if it has been passed on to several collectors, or if your financial situation has improved and a collector discovers you may be able to pay.

It usually takes debt collectors about thirty days to “close a case.” During that time, a collector may contact you almost a half dozen times.

Emergency Medical Evacuation Coverage - Does your HMO or PPO

Monday, October 27th, 2008

Travelers insurance may be the only way for most Americans to insure they are fully protected in case of emergency medical evacuation while traveling abroad, because for 70 percent of these U.S. resident HMO and PPO medical insurance plans do not cover such an event.

Some travelers’ insurance plans offer transportation to a safe location during emergency medical evacuation but do not offer medical insurance for the duration. Others offer both.

One travelers insurance site that we looked at, for example, offers travelers insurance for medical emergency evacuation, for a single person, a couple, or a family, for a designated time period of three, six or 12 months. Online you can get a quote instantly and can purchase the travelers insurance. While this company was clear that it offered no medical coverage it did link to other travelers insurance providers that did so.

One offered trip insurance - in other words, for one designated trip - that provided trip delay, interruption or cancellation insurance, protection against lost or delayed baggage, traveler assistance as well as missed connection travelers insurance coverage.

The trip insurance site asked your departure and return dates, the number of people traveling in your party, the age of each, the cost of the trip for each and whether you are a U.S. resident. We indicated two U.S. residents would be traveling, one 55 years old, the other 56, and each was spending $1800 for the trips. The results: nine different travelers’ insurance firms offered plans ranging in price from $166 to $293 per person. Three of these offered additional flight insurance - one for $100,000, the others ranging between $300,000 and $1 million. One also offered rental car insurance for $6 a day.

If you’d prefer travelers insurance that covers more than one trip, the site offers a quote on this as well. Here you indicate your citizenship, your residency, and the state in which you reside if in the U.S. You can choose domestic travelers insurance coverage or international coverage that does or does not include U.S. travel. You can choose coverage from $25,000 to $2 million. You indicate the dates of travelers’ insurance coverage, your age, the age of your spouse if applicable, and the number of children under 18. The travelers insurance firms displayed in the results now allow you to choose deductible and then offer you their firms’ quotes as well as a handy comparison chart.

Clearly, you’ll find a variety of affordable travelers’ insurance options, including emergency medical evacuation coverage, when you decide to travel overseas.
About the Author

Steve Cogger is an avid traveler offering a wealth of travel information. For more information on travel insurance visit the http://www.1-Happy-Traveller.com

How To Sprinkle Your Article With Laughs

Monday, October 27th, 2008

Everyone likes to laugh. At least everyone
sane. Actually, insane people laugh too,
they just don’t know they’re laughing.
Even the Pope laughs, just not in public.
Laughter unites people. It can diffuse tense
situations. And most importantly, at least
from a writer’s standpoint, it can keep people
reading your articles.

You don’t have to be a comedian, or Dave
Barry to incorporate laughs into your writing.
You don’t really have to be that funny of a
person, either. And you’re not looking to put
the readers in stitches. Just a slight
chuckle can make a world of difference.

I often try to incorporate cheap puns into
my articles. For example, I might include
the pun: ‘To write with a broken pencil is
pointless’ in an article about daily
freewriting. It’s a groaner, but it might
just keep the reader reading, at least for
another paragraph. If you like cheesy puns
and want more feel free to visit:
http://wardwidewebzine.goduck.net/puns.html

Including a humorous anecdote is another great
way to get your readers to smile. A simple
search on Yahoo or Google will yield
a number of websites that have anecdote
archives. Or you can include a personal anecdote.
Seven words that are sure to keep a reader’s
attention are: ‘That reminds me of a funny
story..’

I like to keep my readers on their toes by
incorporating a technique I like to call
Random Insertion. (I’ll pause here while
you less mature readers stop snickering.)
Random Insertion is actually self-explanatory,
I randomly insert information that
obviously does not belong. For example,
If I was listing possible places to promote
ezine articles I might mention:
(A) Free Ezine Articles Announcement List
(http://ezinearticles.20fr.com)
(B) Go Articles.com and
(C) www.drew-barrymore-is-a-goddess.net
The third listing is obviously bogus (thouh true)
and putting in an otherwise serious article
can peak the readers interest and keep them
reading.

I will not keep droning on any longer. Hopefully,
by now everyone has gotten the point. Humor makes
people laugh, and laughing makes people happy. And
happy readers keep reading and will remember your
name the next time they see it at the top of an
article. Maybe you’ll even be able to use
some of my suggestions to sprinkle laughs all
through your next article. If not I’m fully
prepared to tell the Pope…

ABOUT THE AUTHOR

Timothy Ward publishes the Ward Wide Webzine.
This ezine is packed the informative articles,
free promotion tips, subscriber contests,
joke, etc. It is also the home of the humor
column Wardology 101. For more info visit:
Ward Wide Webzine

Visit Glendale California

Saturday, October 25th, 2008

Glendale, California is a bedroom comunity of approximetly 200,000 residents, situated between the San Fernando Valley and the San Gabriel Valley. In and of itself it is not a popular tourist destination. There are no amusement parks, beaches, camping areas or famous museums in the city. There are only a couple of hotels, the best one is a Hilton, but there are several high end motels and all of the hotels and motels are very reasonably priced. There are several hundred restaurants, and although there are no high priced restaurants there are dining establishments like Damons on Brand Boulevard that serves aged prime cuts of beef and provide excellant service (They just do not charge an arm and a leg for the meal.) and restaurants like Tony Romas, the Olive Garden and the Panda Inn, as well as numerous high end coffee shops (Try Conrads, they have a brightly lit coffee shop area, a nice outdoor patio and a dimly lit lounge area that will remind you of a good steak house. You can get a filet mingon dinner for under $20.00 thats as good as the dinners served in most high end steak houses. Additionally, their fried chicken is as good as you can find almost anywhere and their service is excellant.) and ethnic cuisine of almost every type.

The best thing about Glendale is it’s location. It’s less than a ten (10) minute drive on Los Feliz Blvd. to Hollywood and on the way there is the Los Angeles Zoo, Griffith Park and the Griffith Observatory And Planetarium. Take a ten (10) minute drive east on the 134 freeway or on Colorado Blvd. and you will find yourself in Old Town Pasadena after having driven past the Rose Bowl and the Norton Simon Museum. Ten minutes to the south you will find yourself in downtown Los Angeles after having gone past Dodger Stadium. Go west on the 134 freeway and you have the entire San Fernando Valley (Universal Studios is also less than ten (10) minutes from Glendale.). Additionaly there is an Amtrak train station in Glendale. Parking is only a few yards from where you board the train, the station is never crowded and you can travel down the coast to the Mexican border or up the coast past San Francisco.

Of course you could just stay in Pasadena, Hollywood, Universal City or downtown Los Angeles but, you will find Glendale to be much less expensive and quieter with less traffic and fewer parking problems.

By the way, if you are into shopping, this city is the home of the Glendale Galleria, one of the largest and best shopping malls in southern California.

For more information about the city of Glendale, California see http://glendale.usacitydirectories.com, a directory of links to city of Glendale, California guides and directories listing hotels, restaurants, resources, services, things to do, places to go and more.

About The Author

David G. Hallstrom, Sr. is a retired private investigator and is currently the publisher of several internet directories, including http://www.usacitydirectories.com a directory of national, state, county and city guides and directories listing local guides, directories, web sites and web pages providing resources, services and information about things to do and places to go.

European Cruise - Not All Barges Are the Same!

Thursday, October 23rd, 2008

What image comes to mind when you hear the word barge? Most likely, an American will visualize a long low-slung cargo vessel situated on a river or the Great Lakes, dirty and loaded with coal or iron ore. The idea of a barge cruise may be reminiscent of an old black and white movie where the hero leaves home at a young age on a cheap tramp steamer to seek his fortune in the great world beyond. Or a barge cruise might bring to mind long-haired hippies of the 1960’s traveling through Europe on $3 a day. Nothing could be further from the truth!

The only resemblance between an American cargo barge and a European cruising barge is the long low-slung shape and overall proportions. A European cruising barge is, in reality, an exclusive and elegant means of travel. These barges are also called floating hotels due to the preponderance of amenities and staff.

Forget the thought of a tiny pigeon-hole stateroom just above the waterline of a 2,000 passenger cruise ship. All staterooms in a floating hotel are spacious and well-appointed, more like suites that you find on a cruise ship. Staterooms typically feature twin beds and a private bath. On luxury barge cruises, you will find even larger cabins and modern conveniences such as TV, jacuzzi, and computer hook-up. You have all the amenities of home, including air conditioning, carpeting, a commons area, a dining area and, of course, a bar.

The European barge cruise is an intimate and personal experience as barges typically accommodate as few as 4 people up to as many as 24. Each barge is staffed with a personal chef who prepares gourmet meals from locally purchased ingredients to please guests as well as a captain who pilots the vessel and stateroom staff. A cruise with 6 people can be served by as many as 4 staff members.

Barge cruises are available on most of the rivers and canals in Europe. You can experience up-close the beauty and cultural sites of Belgium, England, France, Germany, Holland, Ireland, or Scotland. The pace of a barge cruise is leisurely. The itinerary includes stopping at historic and cultural places of interest along the cruising route. You can sightsee on foot or on bicycles that are available onboard. On barge cruise operator even provides an air-conditioned touring bus to takes passengers to local points of interest at each stop along the way. What a change of pace from the hotel hopping of a bus trip! Just depart from the barge in the morning, enjoy a day of sightseeing and return to the quiet of a private dining room where a gourmet meal is waiting.

The price of a European barge cruise, like all other cruises, varies based upon the cruise line, the accommodations selected, the area visited, and the season (high or low). However, a quiet and personal barge cruise can be had for a price competitive with a Caribbean cruise, without airfare of course. The barge cruise price usually includes accommodations, 3 meals a day, beverage service that includes wines and spirits, and pre-arranged sightseeing tours. And these barge cruises cater to the American tourist by providing English speaking crew members.

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Colin Hartness

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