Tuesday, December 7, 2010

Invest In Gold

When to travel in Turkey? Spring is best, autumn next, then summer, last winter.

In 2010, Istanbul is a European Capital of Culture, with many special events. More...

SPRING
Spring (April, May, through mid-June) is prime because the weather is moderate throughout the country, the days are long, and the tourist rush hasn't begun. April can be rainy, though.

AUTUMN
Autumn (mid-September through October) is second best with mostly mild weather, but the days are shorter, and rain may begin again in October.
Click here for hotels in Turkey

SUMMER
Summer (mid-June, July, August, through mid-September) is quite hot in five of Turkey's seven distinct climatic regions, though usually rainless, and cool inland in the evenings.

WINTER
Winter (November, December, January, February, March) is chill and rainy everywhere except the southeast, but with lower prices and fewer tourists.

Weather & Climatic Regions: Turkey has seven distinct weather and climate zones. More...

Tom's Turkish Almanac: The Turkish year, month by month, with climate, holidays and special events. More...

Official National Holidays: The short list.

Islamic Holidays: They're 11 days earlier every year, and they change travel patterns, so you need to know about them. More...

Sunday, December 5, 2010

Australia Business Deals

2. Evaluate your current spending habits: Maybe you spend very little money each month personally, but other people within your business make purchases. Business credit card accounts are available where all the points accumulate in aggregate. Instead of having others spend on their personal accounts and submit expense reports for reimbursement, consider multiple cards on the business name. Recognise when the use of a credit card is better for you and your suppliers than buying on terms. Personal accounts can also accumulate on the same bank and be merged with business accounts.

3. Find the credit card that gathers points from your favourite merchants: Business agreements are valuable commodities, and special rates for frequent business travellers are set to earn loyalty. Hotels, car rental companies, restaurants, and every other service business wants repeat customers. Business reward points are not created equal. Some banks offer more points for staying at a certain hotel than another bank. Understand that one point varies in value when added to the account and when that same point is redeemed. Look for the credit card point program that already offers points from your favourite places. Know what other companies might also add points to your balance and visit a new place each month. You will have new experiences and increase your point balance.

4. Actively manage your reward points accounts: Never let points expire and disappear. Those points cost money to accumulate and have value up to a certain date. Track the expiration dates and cash in on the rewards about 60 days before the date. Keep those points “free” by paying off the entire balance every month. The quickest way to devalue your points is to pay a bill late or pay interest on the account balance. Most banks will freeze your reward points if the payment is not received prior to the due date. Use fewer credit cards so the balance on each account rises more quickly and rewards are available sooner. Five cards used to accumulate 100 points each do not have the same redemption value as one card with 500 points.

5. Redeem points for the best value and know the reward and redemption thresholds: As you spend more on the same credit card, the number of points rewarded increases in some programs. Redemption thresholds change the value of the points accumulated as well. Study the rewards offered and exercise patience to redeem the best reward for the number of points surrendered. Avoid cashing points in for merchandise because the points required are rarely optimised in comparison to paying cash for the same item. When redeeming miles for flights, look closely at international deals because some flights cost thousands of dollars, but can be redeemed for reasonable point balances. Some banks will allow the combining of multiple accounts for larger balances and rewards.