These days it pays to make every penny count. One way you can do that is by using a credit card that earns airline miles. Many companies offer such cards. Some are related directly to airlines and some are products of credit cards companies alone. Examples of airline-affiliate credit cards include the God and the Platinum Delta SkyMiles Credit Cards from American Express. The Delta Reserve Card and the JetBlue Card are also from American Express. Cards that are not allied with any one particular airline include the World Perks Visa Platinum Card, the World Perks Visa Signature Card and the Miles card from Discover.
Each credit card with airline miles differ greatly depending on the card issuer and the airline affiliated with the card, if any. As with all credit cards, it pays to do your research and shop around to get on board the program that best fits your needs. Make sure the fees, if any are low, make sure the rewards that you earn (generally miles toward free or discounted tickets) are redeemable with (at most) minor restrictions on the dates, make sure there are no blackout periods in which you can use the rewards points that you have built up.
In addition, many cards with airline miles offer some type of sign-up bonus. Make sure you can really use the bonus they offer. Consider this: are you already a member of an airline reward program? If so, will your new card and its bonus program allow you to add to the rewards you have already accumulated, or will this be a new account of bonus points?
Lots of people don t care so much about free trips as they do about upgrades. Look into any program that you are considering to make sure that you are working toward the benefit that you want. A free cross-country ticket may not be so great if what you are really interested in is a first-class upgrade on a ticket you have already bought.
Finally, make sure that any plan that you join lets you accumulate points or miles without restriction on the time in which they have to be used. There is nothing worse than accumulating a lot of points and then having them expire because you did not have the opportunity to use them
There are so many programs out there that you should not settle for one that it not absolutely what you are looking for. So take your time, investigate a little and make sure that you get the credit card with airline miles that you want and need.
There is definitely on thing in this world that everyone hates to get. No, I'm not referring to herpes or a number of other STDs. I was actually talking about speeding tickets. Yeah, that's right. Just feel your face cringe at the very thought of being pulled over. Those annoying red and blue lights in your rear-view mirror always get your boxers or panties in a twist. After all, doesn't that cop have better things to do than pass you a speeding ticket? Ha, don't we all say this when we hear those sirens close behind? I think it's the standard reaction to speeding tickets. Then we follow it up with some statement like, 'It's not like they're ever there when you need them.' Does this sound familiar yet? The truth is I like police officers. Sure, they give out bundles of speeding tickets, but they do a heck of a lot more than that. And if you really take the time to think about it, you were the one speeding. The moral of the story is, DON"T SPEED! It's really that cut and dry. I do think it's sad the way some folks rant on about how they hate police officers and how they don't help in any way. This is bogus! Chances are you will need a police officer at some point in your life and that will probably change your mind. Anyway, back to speeding tickets. How many have you collected so far? My teenage daughter was the last one to get one in this household. She was doing 86 in a 50 mile an hour zone. Now that is speeding. Is there really any point to arguing about it? I mean come on, it's 35 miles an hour over the limit. Yikes! Anyway, she has to take care of all those expenses on her own. It's a plain and simple live and learn thing. Heck, I think she's lucky they didn't take her license. The funny part of the story is that she actually said to me, 'No one ever told me why you shouldn't speed, they just said don't do it, so I didn't really know.' Now that is a funny one. Give me a break! We all know why you're not supposed to speed. It's practically innate knowledge. You don't speed because you don't want speeding tickets. Duhh! Okay, well there's also the whole law and safety issu at-hand. If you really want to avoid speeding tickets, then make good use of your cruise control. Hey, don't laugh. I do this all the time and I haven't had a speeding ticket in 10 years. It's all about control and awareness.
Fighting traffic tickets ultimately comes up in most peoples lives at some point or another. For whatever the reason may be, you feel that the ticket awarded to you was unfairly received. Maybe you don't think you were speeding, or perhaps you really just can't afford to pay off anymore tickets. Whatever the reason may be, you want to get out of your ticket. There are a few things that you need to do to fight that ticket you were awarded.
One of the first things to do is check and make sure that the ticket you received was completely accurate. You may find that the officer has some incorrect details on the ticket. He may write that you were going 10 mph over the speed limit when it was really only 5. Make certain that you try and get these details changed. Judges will be more lenient over smaller ticket items.
Take pictures and take notes of what actually happened at the accident. If you want to prepare a good, solid defense you need to have the facts. Fighting traffic tickets requires you to be meticulous with your note taking. You should begin doing this while still at the scene of the accident if possible, your memory will be fresh and it is important to have as many facts as you can. Not all police officers have time to take in depth notes and yours may just save your case.
Once you have all of your information, you will want to decide if you can fight this case on your own or if you will need a lawyer. The main reason you will want to hire a lawyer is if there is a lot of money at stake. If you are fighting a fairly standard traffic ticket, you will end up paying more for the lawyer than you would win. Weight the cost benefit for you before you decide if you need some professional legal help.
It is also possible that you may be able to make a deal with the person prosecuting you. If this ticket will greatly effect your insurance rates or point value of your license, it may be a good idea to take a deal before you get into court. Sometimes to avoid the time and work it takes to go into court, prosecutors may be willing to make a deal with you. Consider the deal very carefully if one does get made, you want to make sure it won't negatively impact your driving record more than the original punishment.
Finally, a good tip for fighting traffic tickets is to request a continuation for your court hearing. In order for the court hearing to happen, the officer who ticketed you needs to be there. If you change the date of your hearing, it is possible they will not be able to be there and your case can be dismissed.
Fighting traffic tickets is not always the easiest thing to do, but many people don't even try. If you put in the effort to fight your ticket, there is a good chance something can be reduced if not forgiven all together. Follow these tips and you are on your way to a clean driving record.
From business to pleasure, chauffeur driven cars for London visitors and residents provide a more enjoyable and luxurious experience. Rather than attempting to battle the congested traffic in the UK capital or having to rely on potentially crowded and sometimes unreliable public transport, chauffeur driven limousines and executive cars enable you to sit back, relax, and unwind while seeing the incredible sights that London has to offer. A professional chauffeur will also ensure that you reach your destination on time while answering questions and avoiding traffic black spots. There are many reasons to use chauffeur driven cars in London.
1 - Wedding Transport
Rolls Royce and Mercedes Benz limousines are synonymous with wedding transport. As well as using a single, luxurious limousine to transport the bridal party to and from the church or other venue, chauffeur driven cars in London are a convenient and cost effective way to transport other guests of honour between the major venues on the big day.
2 - Other Private Functions
As well as their use on a wedding day, chauffeur driven limousines are also the perfect way to arrive at any private function. Whether you're the guests of honour at an anniversary party or one of the guests at a major birthday bash, chauffeur driven cars in London allow you to arrive in style and make a lasting impression with all the guests. They are also the ideal compliment to a big surprise event.
3 - Business and Corporate Use
London is also well known as one of the world's leading business and corporate event venues. Exhibitions, meetings, and seminars are held in hotels and exhibition centres throughout the capital and cars like the Mercedes Benz E Class, S Class, and V Class (Viano) provide the room and comfort that is required for travelling to these major events. Chauffeur driven cars in London are also perfect for use for corporate roadshows and other similar events.
4 - Airport Transfers
Heathrow and Gatwick are two of the world's busiest airports, servicing passengers from all around the world as well as residents of the incredible city. Using chauffeur driven cars in London for airport transfers is convenient, surprisingly cost effective, and the ideal way to end a potentially uncomfortable and lengthy flight.
5 - Shopping and Sightseeing
What better way could there be to see everything that London has to offer than being driven around in a luxury or prestige car by a professional chauffeur? Whether you're visiting London to hit the major chain stores or boutiques, or if you're visiting to see the monuments and landmarks that London is known for around the world, chauffeur driven cars in London are the greatest possible solution.
The government is right at setting radarfalle on the road to intercept over speeding vehicles because a majority of accidents happen due to vehicles running at high speed. It is learnt that beyond a certain speed limit a vehicle becomes unmanageable and the moment it becomes unmanageable, it becomes a threat to the life and property of others. Authorities want people to drive safe and reach their destination on time. To achieve this objective, they have set a speed limit for every vehicle and to make sure that the vehicles run under the prescribed speed limit, the government has made over speeding a punishable offence and the errant drivers have to pay a heavy fine for over speeding.
The prescribed speed limit is quite frustrating but people have no way other than to follow the speed limit rule. If someone accidentally accelerates one s vehicle, one is fined heavily as authorities are very strict towards the drivers caught over speeding. Officers use radarfalle to locate the over speeding vehicles. As soon as they notice a vehicle moving at a high speed, the officers swing into action and catch the errant driver and cancel his driving license forever.
It is not possible for one to notice a hidden speed camera or mobile speed radar while driving a vehicle. But it is possible to get prior information on the presence of stationery as well as mobile speed radars on the road. Motorists can get speed alerts on their mobiles and adjust the speed of their vehicles as soon as they are in a radarfalle. Just imagine that you are driving your new luxury sedan at its top speed and suddenly you get speed alert on your Smartphone. You immediately slow down your car to the permissible speed limit and drive safe before the speed camera. After crossing the range of the speed camera, you again accelerate your car to its top speed and enjoy the thrill of speed.
Motorists can get prior information on the radarfalle on the road from a database that they can access from their mobiles and satellite navigation devices in their vehicles. All they need to do to access this database is to install a software in their mobile or in the satellite navigation system installed in their vehicles. Armed with this software, the devices will send alerts for speed cameras on the road and in this way help motorists escape the eagle eye of speed cameras.
About The Author
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i. The tariff on cars imported into Australia has decreased in 2005. Apply economic theory to analyze the impact of this policy on:
a. New buyers of cars
A tariff is a tax imposed on imports, the purpose of a tariff is to restrict the quantity being imported, raise government revenue and also protect infant industries in a country. A decrease in the tariffs on imports in Australia will result into a decline in the price of new cars, this decline will reduce the tax burden of new car buyers, more people will afford new cars and therefore more quantity will be demanded, these can be diagrammatically analyzed as follows:
From the above diagram the price of new cars will decline as shown by the arrow, the quantity demanded will rise as shown by the x axis arrow, therefore the effort of a decline in tariffs will lead to a decline in the price level and at the same time an increase in the quantity demanded, the new cars buyers will experience a decline in the tax burden for imported new cars.
b. Sellers of cars
Sellers of cars will experience a decline in the cost of the new cars imported, this decline which has caused an increase in the demand for cars will also result into an increase in sales level, and an increase in sales level will result into an increase in the profit levels of the car sellers.
c. Domestic manufacturers of cars
When a decline in the tax level is imposed then the price of imported cars goes down, this put competition of these domestic firms and this will result into a decline in the demand for domestically manufactured cars. This is because the tariff is a way in which the government will protect local industries and at the same time prevent unhealthy external competition, therefore when a tariff declines more substitute goods enter the economy, when this happens the demand for locally manufactured goods goes down due to increased supply of cars and increased competition.
d. Current owners of cars (those who bought their cars prior to 2005)
the car owners who had acquired cars before the decline in tariffs of imports will experience a decline in their wealth, assuming that they had bought the cars at a much higher price than the current price, the price of cars will go down and therefore the value of their cars will drastically decline to a much low level resulting to a loss of wealth to car owners due to the decline in the price of cars.
ii. What are the arguments for imposing tariff on cars?
Tariffs are imposed in order to decrease the level of quantity imported, protect infant industries and government revenue.
A reduction in the quantity imported will result into improved balance of trade, these will as a result of a decline in the difference between imports and exports that result into balance of trade, when tariffs are imposed less will demanded and therefore there will be an improvement in the balance of trade. Therefore the tariff will help reduce balance of trade and therefore improve balance of trade.
Protection of infant industries:
The increased or imposition of tariffs will aid in protecting infant industries, when firms in a country are not internationally competitive in terms of quantity and price of their goods, where imports are cheaper than domestically produced goods, the government will impose a tariff on imports of these goods so that the consumption of locally produced goods increase, though this the government will be protecting infant industries through tariffs.
Tariffs are in form of taxes and they are a source of government revenue, therefore when tariffs are imposed on goods then the government will earn revenue as a result, the revenue earned will be equal to the price increase times the quantity demanded, the diagram below shows the level of government revenue to be earned:
When the tariff increases the price of a product then this will result to government revenue whose value is equal to the value of the shaded area above.
One of the most powerful legislation ever enacted in Australia is the trade Practices Act. Australian Competition and Consumer Commission (ACCC) are responsible for administering this act. One of the provisions of this act is anti-competitive behavior.
a. Why is competition so important to the economy?
When there exist competition then the economy produces at the most efficient and effective mode of production, competition will result into a decline in the consumer prices as firm under price each other to increase sales, the firms in the economy will also strive to produce at the most effective way in order to reduce the cost of production so that they will under price their competitors, therefore competition is very important in an economy because this results into effectiveness and efficiency in the economy in the allocation of resource and pricing mechanism of demand and supply.
b. Is competition always beneficial? Under what circumstances can competition be harmful?
Competition is beneficial in that it ensures low consumer prices and effective resource allocation where firms will try to reduce their cost of production and offer their goods at low prices, in a monopoly industry where there exist no competition then the prices are determined by the firm, the firm in a monopoly industry is a price maker while the firm in a competitive market the firm will be a price taker where prices will be determined by the demand and supply of the products in the market.
Competition can be harmful in some situations; the government will always try to reduce unhealthy competition in the economy, especially in chemical industries whereby stiff competition may lead to some firm manufacturing generic products in order to lower the production costs, this will be harmful competition in that products in the market will be substandard and therefore the government will only allow only a few firms to operate in the industry so as to maintain the standard of goods produced.
c. Is it necessary to have a large number of producers or sellers to result in healthy competition? Explain giving examples.
No, there is no need to have a large number of firms and consumers in order to have healthy competition, the number of firms in an industry is determined by the market size and the capacity of firms in the industry, when the market size is large and the capacity of each firm is low then there will be the existence of more and more firms.
The demand of products will determine the number of firms in an industry, the higher the demand the more the firms there will exist, the demand of products on the hand will be determined by the price, taste and preferences, therefore it does not necessarily mean that for there to be competition there must be a large number of consumers and producers.
A competitive market is characterized by free entry and exit by firms into the industry, proper information on products by consumers and the price is determined by the demand and supply where firms are price takers and not price makers.
d. Is the size of a firm related to the degree of market power enjoyed by firms? Do large firms necessarily have more market power than smaller ones? Explain giving examples.
Market power refers to the ability of a firm to alter its prices of its goods or products without losing the demand for its products to its competitors, firms with market power can be a monopoly firm and oligopoly, a monopoly is that which there exist only one firm and the firm has the entire market power to dominate the market, an oligopoly exists where there are two firms in the industry and firms will first have to determine the outcome of a price change and the actions of the second firm.
The size of a firm is determined by the degree of market power the firm enjoys, a monopoly power holding firm can be termed as a large firm because it is a price maker and it dominates a market where it is the only firm that is in the industry and there are barriers for entry into the industry, therefore it does not necessarily mean that a large firm has more market power than a small firm, a firm can be a monopoly but the product it deals with makes it a small firm, it can be an oligopoly and the market power is shared between the two firms that dominate the market.