There are different types of car in the United States that cover different incidents and involved. A basic policy of auto insurance usually includes six types of insurance coverage to ensure that each driver has just what you need. (We recommend you to visit an insurance agent expert for information specific to your car)
In addition to the six basic types, there are several others that apply to very specific events that can cause damage to your vehicle, or for specific needs that you may have if you have an accident. But with so many types of automobile insurance, how do you know which one is right for you?Types of car insurance in the United States,
the majority of these coverages are optional, and add them to your policy will increase your premium. These are some of the most common coverage auto insurance:
Liability Coverage
Property Damage Liability
Bodily Injury Liability
Coverage Full
Coverage Collision
Coverage for fire and theft
coverage of Physical Damage,
Personal Injury Protection
coverage of Driver Underinsured
Motorist Insurance Coverage
Gap Insurance
Car Rental
Payment coverage per Mile
Liability Coverage
liability insurance does not cover all expenses in connection with the damage to your car, or any injury you may suffer. Pay for the damage suffered by the other parties in an accident you are found guilty. All states require a minimum amount of liability coverage in order to legally drive a vehicle. In some states, you can avoid the purchase of liability coverage if you can verify that you have the personal financial resources to cover the minimum requirements required by the state in which you live. The liability insurance covers you when you're driving any vehicle on your property, or if you are driving the car of another person with your permission.
The responsibility of the Damage
The property damage liability insurance does not cover damage to your property. When you are found guilty of an accident, and if your car has damaged the property of another person. There are various degrees of coverage to determine exactly what damage are covered. You choose the amount of coverage when you purchase the policy, there may be requirements imposed by the State, especially if your car is financed.
The amount of coverage selected will determine the premium that you pay. The property damage liability coverage is one of the types of automobile insurance coverage that may include a deductible. Having this type of coverage protects you from paying out of your own pocket if you plead guilty for damage to the property of another person.
Bodily Injury Liability
If you are found guilty of an accident that resulted in injury to another party, the liability coverage for bodily injury, comes into play. It does not cover your own injuries, or those of any other driver included in your insurance policy. This coverage usually pays: Medical expenses; physical therapy or rehabilitation; the lost work time due to an injury; the legal representation of the other party; funeral expenses; and, possibly, "pain and suffering", which is determined by a court in case of suffering emotional or physical stress resulting from the accident. This is an important coverage to add to your policy. Medical expenses can be very expensive and cause enormous financial difficulties if you have to pay out of your own pocket.
Full Coverage
True to its name, the coverage applies to almost any type of loss that may occur, but not as a result of an accident. This is the insurance coverage that pays for damage to your vehicle caused by something other than another vehicle. It could be anything: damage caused by bad weather, such as hurricanes or tornadoes, hail, or natural disasters such as earthquakes, floods or fire.
It also applies if you hit an animal, or if your car is destroyed or stolen. Even in the unlikely event that something falls on your car and damage it, comprehensive coverage will pay for the repairs. It is advisable to purchase the coverage along with another type of collision coverage to cover the damages resulting from an accident.
Collision coverage
collision coverage is exactly what its name suggests. Is applied when the vehicle is involved in any type of collision with another vehicle, a building, a barrier of protection, or any other fixed object. In some cases, it also covers the damage caused when the car is tipped over, or when you fall on a bump. The collision coverage will pay for repairs to your car after any of these incidents, or replace your car if the collision causes a total loss. Remember that this is the case, you will receive a refund for the current value of the vehicle, not the purchase price.
Fire and Theft Coverage
As its name indicates, this type of auto insurance coverage applies when the vehicle is damaged or lost as a result of fire, or if your car is stolen.
If your car is on fire due to lightning or an explosion, this coverage will pay to repair or replace your vehicle. It also offers other coverages such as floods, earthquakes, hail damage or wind, vandalism or accidents caused by hitting an animal. You can also pay for the damages resulting from an accident with an uninsured driver, always and when you don't have to blame.Types of car insurance in United States 1
Physical Damage Coverage
physical damage coverage is an umbrella under which are three other types of fire and theft coverage, comprehensive and collision coverage. If you are still making payments on your car, it is likely that state law required to purchase at least the minimum amount of physical damage coverage. Once you pay off your car, this coverage may be optional.
Protection of Personal Injury
Personal Injury Protection or PIP is a complement to the liability coverage for bodily injury and covers approximately 80% of medical expenses, including rehabilitation, funeral expenses and loss of wages. This protection covers you, your passengers, or any person authorized to drive your car. It also covers you and any other person named in your policy when driving the vehicle of another person. This type of coverage is mandatory in 16 states.
Coverage of driver with insufficient Insurance
This type of coverage protects you if you are involved in an accident with a driver that leads the legal minimum amount of liability insurance, and does not have an additional insurance to cover all your losses. Applies only when the other driver with insufficient insurance is to blame. This insurance will cover your medical expenses, property damage (in some states), and lost wages. You can also cover the cost of a rented car until you repair your car. This insurance is mandatory in some states.
What were the ten vehicles sold
What were the ten vehicles sold in 2016
Ford EcoSport
Este Model was the creator of the SUV segment boys and not only remains as the most sold in its category, but it is among the ten most of the market. Is imported from Brazil with a wide range of engines: two nafteros, 1.6-liter and 110 horses and a 2.0-liter and 143 horses, and a 1.5 liter turbocharged diesel and 90 horses. The less powerful propellants bring five-speed manual boxes, while the 2.0 can be combined with a manual transmission or an automatic six-speed gearbox, both. Also this engine is the only one who can bring traction on all four wheels. The range goes from 321,100 to 419,300 pesos.
8. Ford Fiesta (19,428 units)
which were the ten vehicles sold in 2016
Ford Fiesta
with a part of the range imported from Mexico and the other party brought from Brazil, the feast is offered with bodies of five or four doors. In our market is available in 12 versions, eight of the variant hatchback and four of the four doors. The same naftero 1.6-liter engine and 125 horses is the fitted to all options, which can be combined with a 5-speed manual transmission or an automatic 6-speed dual clutch. The five doors offers from 275,800 to 383,300 pesos, and the sedan starts at 294,400 and up to 385,100 pesos.
7. Ford Focus (21,597 units)
which were the ten vehicles sold in 2016
Ford Focus
The medium of the oval is manufactured in the country with two types of body, a five-door hatchback and sedan. In total there are 12 versions, distributed in equal parts for each type of architecture. During 2016 there was an update with improvements in its equipment, its elements of security and its system of connectivity. Two options are available nafteras, a 1.6 liters of combining 125 horses (only with 5-speed manual gearbox) and another 2.0 liters of 170 horses (that is combined with a 5-speed manual gearbox or an automatic double clutch and six ratios). The range of prices for 347,600 to 492,400 of pesos, the five-door version, and 336,600 to 492,400 pesos.
6. Chevrolet Classic (22,249 units)
which were the ten vehicles sold in 2016
Chevrolet Classic
a history of our industry that discontinued last year in Argentina. With 919,972 units made, this model became the largest production in the history of the automobile industry. The body sedan was the last that remained in production and which ended up adopting the name Classic. In total were sold in our market more than 500 thousand units and the rest was exported to Brazil, Chile, Mexico, Paraguay, Uruguay and Italy, for a short period and only the Wagon. There are units available on the market, which are offered with prices ranging from 171,600 up to 191.00 pesos.
5. Toyota Etios (23,898 units)
which were the ten vehicles sold in 2016
Toyota Etios
car smaller than the Japanese brand marketed in the country is imported from Brazil with two types of bodywork: a five-door hatchback and a traditional four-door sedan. At the beginning of 2016 received an upgrade that included an improvement in your engine of 1.5 liters, which step to deliver 90 to offer 103 horsepower, and incorporated a six-speed manual gearbox and a four-speed automatic. In addition, connectivity to a new multimedia central at the top of the range versions. Prices range from 231,700 to 295,500, for the variants with 5 door body (including the version with adventurous look Cross), and from 242,300 to 301,500 pesos for the body sedan.
4. Renault Clio Mine (25,377 units)
which were the ten vehicles sold in 2016
Renault Clio Mine
It is another historic of the industry that is fired on top of patentamientos. The Clio is started to manufacture in Cordoba in 1996 and ceased production after 20 years, with three stages marked that allowed him to reach a total of 549,648 units. This last generation was marketed with the name of Clio Mine and was in December the market patented model (2,081 units). Although it has been discontinued still available units, with versions of three and five doors, which are offered from 205,200 to 227,600 pesos.
3. Volkswagen Gol (26,897 units)
which were the ten vehicles sold in 2016
Volkswagen Gol
El who was for 13 years the best-selling model of the country, in 2016 was in the last place on the podium. During the past year had a renovation that included a small update aesthetics and, mainly, an improvement in the interior and equipment: The goal now includes, depending on the version, a central touch screen multimedia satellite navigator, and compatibility with the systems Android and Apple CarPlay. Comes with three or five-door and with a naftero 1.6-liter engine and 101 horsepower. The transmission can be manual or sequential gearbox, which can operate in automatic mode. Prices: from 201,669 to 316,021 pesos.
2. Fiat Palio (29,109 units)
which were the ten vehicles sold in 2016
Fiat Palio
The most sold model of the Italian brand is actually composed of two different generations. The Pallium is a Fire, which is imported from Brazil with 1.4-liter engine and 87 horsepower. Is available in two versions, comfort and top, which cost 223,800 and 227,280 pesos respectively. The other is what is known as "new" Palio, which is manufactured in Cordoba and which may be equipped with the same engine of the Pallium Fire or with one engine naftero 1.6 liter 115 horses. The prices of this model range from 253,900 to 279,900 pesos.
1. Toyota Hilux (30,363 units)
which were the ten vehicles sold in 2016
Toyota Hilux
Manufactured in the Buenos Aires locality of Zárate, this truck was renewed by the end of 2015. Thus, in 2016 the eighth generation had its first full year of sales with a result final: despite having an average value of 627,000 pesos, the triple what they cost the country's economic cars, became the most sold car last year. Has a range of 13 versions that include two options of diesels (2.4 and 150 horses and 2.8 and 177 horses), 4x2 or 4x4, single or double cab and manual transmission or automatic. Prices start at 430,100 and climb up to 832,100 pesos.
It is another historic of the industry that is fired on top of patentamientos. The Clio is started to manufacture in Cordoba in 1996 and ceased production after 20 years, with three stages marked that allowed him to reach a total of 549,648 units. This last generation was marketed with the name of Clio Mine and was in December the market patented model (2,081 units). Although it has been discontinued still available units, with versions of three and five doors, which are offered from 205,200 to 227,600 pesos.
3. Volkswagen Gol (26,897 units)
which were the ten vehicles sold in 2016
Volkswagen Gol
El who was for 13 years the best-selling model of the country, in 2016 was in the last place on the podium. During the past year had a renovation that included a small update aesthetics and, mainly, an improvement in the interior and equipment: The goal now includes, depending on the version, a central touch screen multimedia satellite navigator, and compatibility with the systems Android and Apple CarPlay. Comes with three or five-door and with a naftero 1.6-liter engine and 101 horsepower. The transmission can be manual or sequential gearbox, which can operate in automatic mode. Prices: from 201,669 to 316,021 pesos.
2. Fiat Palio (29,109 units)
which were the ten vehicles sold in 2016
Fiat Palio
The most sold model of the Italian brand is actually composed of two different generations. The Pallium is a Fire, which is imported from Brazil with 1.4-liter engine and 87 horsepower. Is available in two versions, comfort and top, which cost 223,800 and 227,280 pesos respectively. The other is what is known as "new" Palio, which is manufactured in Cordoba and which may be equipped with the same engine of the Pallium Fire or with one engine naftero 1.6 liter 115 horses. The prices of this model range from 253,900 to 279,900 pesos.
1. Toyota Hilux (30,363 units)
which were the ten vehicles sold in 2016
Toyota Hilux
Manufactured in the Buenos Aires locality of Zárate, this truck was renewed by the end of 2015. Thus, in 2016 the eighth generation had its first full year of sales with a result final: despite having an average value of 627,000 pesos, the triple what they cost the country's economic cars, became the most sold car last year. Has a range of 13 versions that include two options of diesels (2.4 and 150 horses and 2.8 and 177 horses), 4x2 or 4x4, single or double cab and manual transmission or automatic. Prices start at 430,100 and climb up to 832,100 pesos.
Buying a Used Car: Tips and Scams To Avoid
Buying a Used Car: Tips and Scams That Should Be Avoided
In this article will give you a few steps to be followed in the process of buying a used car. At the end of reading the article, you will realize that you can find a good used car, and also save money. If you want more information on the importation or purchase of used cars, you can see more articles at our Web Trade and Customs.
If you are considering buying a used car, it is absolutely necessary to obtain a historical report of the conditions of the vehicle and have a trusted mechanic to inspect the vehicle. Never pay in cash for the deposit of a used car. If the agreement fails, you will never get your money back, but you can always dispute a credit transaction.
In the purchase of a used car, there is a lot to be done in order to ensure that you are not cheated or end up paying more of the account. There are many advantages of buying a used car instead of a new one. If you follow this guide will prevent all the scams and the difficulties that can be found.
Step # 1 - Find a Used Car
search online, in the classifieds and in local newspapers. This may seem obvious, but there are many people who come directly to a car dealer used para starting your shopping cart. You can start with the local newspaper within the automotive section, or enfocandor also your search in sites of cars like Cars.com , Car.com UsedCars.com ,suncare spalook cosmeticmall.com featured and that have thousands of ads where you can search for. Many listings include the VIN numbers so that you can refer to the report of the history of the vehicle . This is very important because it is better to find out the problems before you buy, and not after.
tips-and-scams-THAT-MUST-avoid
Step #2 - Get a vehicle history report
The best advice that can be found throughout this page for the purchase of a used car is: DO NOT buy a used car without having a report indicating the AutoCheck automobile history, this in order to check that the vehicle has not had any major problem, the mileage has not been altered or which has not been reported stolen. You wouldn't believe how many e-mails I receive from the people who bought a used car, and then learned that "his car had been reported stolen, had serious problems of operation or which was not what they expected. If the seller does not have the VIN or don't want to give, then that is not a car that you need to buy.
Step #3 - Get a loan to buy a used car
There are two basic types of loans for used cars. The first is when you purchase directly from a distributor. The second is when the purchase is given in a particular or privately. Most banks do not lend money for a car that has more than 4 or 5 years. The banks charge at least a 2% more of interest on loans for used cars instead of loans for new cars.
Step #4 - Negotiate with a hard used car dealer or private seller
to apply our steps on how to buy a used car, one-to-one might be the most difficult step! We know that you want to use all the circumstances in his favor, so you get the lowest possible price. But it is recommended that you take all the time necessary to make appropriate inquiries before you begin the process of negotiation.
Step #5 - Complete the sale
once you and the seller agree on the price, discuss your payment options. If you want any kind of traceability, suggest a bank check, in which the seller appears as a beneficiary. Cash is dangerous to carry. With a bank transfer you will have a record of the payment of money to the seller in case there is a problem in the future. If the car is stolen, you can cancel the bank giro.But you can not cancel in cash.
Step #6 - Protect your used car using an extended warranty
can be impossible to get a guarantee for an old car with high mileage. In this case, it is even more important to have a mechanic to check the car before you use it for the first time. You don't want to have any problem of surprise.
When you buy a used car that is outside of the manufacturer's warranty, is at risk of having to pay for costly repairs . That is why we recommend you purchase an extended warranty. In our section of extended warranty, extended warranty sites reviewed how CARCHEX and direct guarantee. If you buy a used car of 3 or 4 years, which is when the manufacturer's warranty expires you should pay an extended warranty, otherwise is exposed to potentially large losses.
Additional suggestions for the purchase of a used car
buy used car rental agencies de
a rental car is like any used car, but the majority has scratches and scrapes. However, its engines are probably kept in better conditions than private cars, since they are in a constant state of care and maintenance during use. When you rent a should be noted that the vehicles are clean, and never break down. Companies tend to have them in service for one or two years of age, for what you are going to find a decent enough that the rental company has already absorbed most of the depreciation. Car hire companies tend not to haggle prices, and you will often find that the prices are higher than they should be. If you want a full coverage, read our article on the purchase of an extended warranty.
When you buy a used car that is outside of the manufacturer's warranty, is at risk of having to pay for costly repairs . That is why we recommend you purchase an extended warranty. In our section of extended warranty, extended warranty sites reviewed how CARCHEX and direct guarantee. If you buy a used car of 3 or 4 years, which is when the manufacturer's warranty expires you should pay an extended warranty, otherwise is exposed to potentially large losses.
Additional suggestions for the purchase of a used car
buy used car rental agencies de
a rental car is like any used car, but the majority has scratches and scrapes. However, its engines are probably kept in better conditions than private cars, since they are in a constant state of care and maintenance during use. When you rent a should be noted that the vehicles are clean, and never break down. Companies tend to have them in service for one or two years of age, for what you are going to find a decent enough that the rental company has already absorbed most of the depreciation. Car hire companies tend not to haggle prices, and you will often find that the prices are higher than they should be. If you want a full coverage, read our article on the purchase of an extended warranty.
How to send money abroad more cheaply
It is obvious that there can be many reasons why you want to send money abroad:
Your children are studying in London, Rome, Paris or Moscow and you need to send money
you're emigrant in Spain and you have relatives in your country to send money to help
you're going to make a payment for any product or service to a foreign company
you are going to buy a property in the United Kingdom and you need to send the money
you are paying your mortgage payments for a home in France
you are going to want to move abroad for work reasons and you need to take your money and prefer not to do it with a briefcase.
You are retired with a second home abroad and you want to bring your money.
Money Order, Western Union, MoneyGram International bank transfers, Santander shipping, Paytoo CaixaGiros, Paypal, Payoneer, WebMoney, Yandex Money, Neteller, Skrill, are just a few of these methods.
But the range of possibilities does not end here, especially by the recent emergence of new international services to send money online that offer attractive commissions as TransferWise and explained.
Which method to use for sending money will depend on various factors: are
you going to make a small payment 100 or 1,000 euros or are you going to transfer a higher amount of money as they could be 10,000 or 30,000 euros?
Do you want the money gets quickly to the final recipient or you do not care to wait a few days?
Do you prefer to perform the entire process from the computer of your house or don't mind go to a bank or post office?
Do you work with a bank that applies few commissions or your bank creaks when you make international operations?
Let's look at the different existing methods classified in 5 large groups:
"Traditional" methods. Take the money with a briefcase or put it in an envelope and send it by
postal mail. Go to the post office to make a money order or sent through Western Union
Bank. Perform a bank draft or bank transfer
Paypal. Use Paypal or similar services such as Neteller, Moneybookers, WebMoney or Yandex Money
Financial Services P2P. TransferWise use financial services.
1. "Traditional" methods
There are "traditional" methods to send money overseas:
get the money out of the bank and take him physically we (or a friend or family member) to the destination country to
put the money in an envelope, affix stamp and mail
with respect to the first it has to be borne in mind that many countries impose legal restrictions on the shipment of cash across their borders and that transport also has its cost.
With regard to the second (send it in an envelope) This is a very cheap method but very risky, although you do it through a certified letter, since there is a possibility that is lost.
Apart from these methods, which may be valid for small amounts of money, there are much better methods, each of which has its pros and cons.
2.CorreosEl Office postal money order is a money transfer service carried out by e-mail or a company specialized in it (such as Western Union). Can be carried out at national or international level.
How does the money order?
The international postal service is very easy to understand:
You're going to a post office with your cash, apply for the service of "International" (or the international service of Western Union that is also available in post offices)
filled a form indicating the place and the identity of the person to whom you sent, as well as corn cobs.
You pay a rate depending on the country and the amount sent, and you stay with the proof
The Post Office is responsible for sending the money to another office in which the recipient will receive the payment
international money order
How much does the money order?
Post Office has two modes of money order:
Eurogiro. Has a fixed cost of 5.75 euros and a variable cost of 1.25% of the total amount
Turn UPU Electronic IFS. It also has a fixed cost of between 4.5 and 6.5 euros but the variable cost is reduced (between 0.20% and 1.25% depending on destination). To know the shipping cost it is best to make an estimate on the low post web site:
For its part, the rates applied by Western Union is tiered and can be found on this link.
Examples:
A shipment of 1,000 euros to Ecuador through electronic IFS would cost 10 euros (5 € 0.5% of 1,000 €), while a shipment of 1,000 euros to Ukraine by Eurogiro would cost 18.25 € (5.75 € 1.25 per cent of 1,000 €).
A shipment of 1,000 euros through Western Union to Ecuador would cost 12.9 € (slightly higher than the cost of the eurogiro), while a shipment of 1,000 euros to Ukraine would cost 20 € (also slightly higher). Shipments to Russia are expensive (48.5 euros for a consignment of 1,000 euros).
western_European__logo is best a money order by mail or through Western Union? It depends. Post offices are generally to be a little cheaper, but it must be borne in mind that Western Union offers more services:
Countries. While the postal service postal shipments only about 40 countries (among which are included European and Latin American countries, and countries of the former USSR and Ukraine, Latvia or Lithuania), Western Union service to virtually all over the world (190 countries).
Network of offices. Western Union, in addition to the Post offices, it also has its own network of agents to be widespread and often travel agencies, real estate, and even some banks). It must be borne in mind that Western Union is not the only company that performs this type of shipping although the most well-known. There are other money transfer systems such as, for example, MoneyGram, which also has an extensive network of offices throughout the national territory.
The maximum amount. The money order by mail allows you to send a maximum of 2,500 euros, while Western Union allows a maximum of 3,000 euros.
Shipping times:
The money order by mail allows for two types of shipping: The Eurogiro that have a delivery period of 4 to 6 days, while the rotation UPU Electronic IFS is payable in 15 minutes. It must be borne in mind that the list of countries for UPU Electronic IFS is smaller (Chile, Colombia, Cuba, Ecuador, Morocco, Moldova, Paraguay, Peru, Portugal, Spain and Uruguay), but the shipment is more economical.
Western Union makes the delivery of the money in just a few minutes.
3. Send money through Spanish banking services
The most common to send money abroad through a bank is to do it via bank transfer, but what many people don't know is that banks also offer a service to send money (similar to a postal money order or at the service of Western Union) through which it is not necessary to have an account at the bank.
3.1. Giro
parallel to the growth during the last decade in our country of Western Union and MoneyGram, were appearing similar services but operated by the banks themselves also wanted their piece of the pie. It is not a question of transfers in the strict sense but of a service very similar to that offered by Western Union.
However, these services have not been as successful as expected, due to competition from Western Union and the recent emergence of new systems of sending money through the Internet and you mentioned below.
As well, some of these services as a Banco Popular Credit World have ended up disappearing. Others, such as the Santander shipping, they continue to exist but with a market share much lower than that of other systems.
Santander shipping, for example, allows for shipments up to 2,000 € abroad through a cash 4B or of an office. BBVA currently has another money transfer service (BBVA), while La Caixa has CaixaGiros.
4.New logo PayPal Paypal PayPal is a payment method already known by practically all over the world that allows you to buy in many web sites as well as transferring money between people via email. For more than 15 years is an excellent alternative to other methods in the "role" as the postal money order.
PayPal is not a bank so that is not governed by the same laws as these, even though he has to comply with the regulations of the monetary authorities of each country or economic area.
There are other services similar to Paypal but much less known by the general public: Neteller, AlertPay, Skrill, PAYTPV.
How does PayPal?
The system of sending money via PayPal is not complicated. You have to have a PayPal account (it's free open it with your e-mail address) and link it to a bank account or a credit card with which you are going to make the payments.
If you already have a PayPal account you must use the option to send a personal payment. Personal payments (non-commercial) are free provided that these are sent using a bank account or PayPal balance (for payments using a debit or credit card is charged a fee). The recipient must also possess a PayPal account and a bank account linked. For more information on rates at this link.
The process is as follows:
Transfer from your bank account to your PayPal account. If you already have linked the bank account this process is automatic and has no cost. PayPal automatically loads into account the money that becomes part of the PayPal balance.
You make a payment from your PayPal account to your PayPal account of the recipient. It is also automatic.
The recipient transfers the money from your PayPal account to your bank account linked. This transfer is free but not automatic since it usually takes 1 to 2 business day
Your children are studying in London, Rome, Paris or Moscow and you need to send money
you're emigrant in Spain and you have relatives in your country to send money to help
you're going to make a payment for any product or service to a foreign company
you are going to buy a property in the United Kingdom and you need to send the money
you are paying your mortgage payments for a home in France
you are going to want to move abroad for work reasons and you need to take your money and prefer not to do it with a briefcase.
You are retired with a second home abroad and you want to bring your money.
Money Order, Western Union, MoneyGram International bank transfers, Santander shipping, Paytoo CaixaGiros, Paypal, Payoneer, WebMoney, Yandex Money, Neteller, Skrill, are just a few of these methods.
But the range of possibilities does not end here, especially by the recent emergence of new international services to send money online that offer attractive commissions as TransferWise and explained.
Which method to use for sending money will depend on various factors: are
you going to make a small payment 100 or 1,000 euros or are you going to transfer a higher amount of money as they could be 10,000 or 30,000 euros?
Do you want the money gets quickly to the final recipient or you do not care to wait a few days?
Do you prefer to perform the entire process from the computer of your house or don't mind go to a bank or post office?
Do you work with a bank that applies few commissions or your bank creaks when you make international operations?
Let's look at the different existing methods classified in 5 large groups:
"Traditional" methods. Take the money with a briefcase or put it in an envelope and send it by
postal mail. Go to the post office to make a money order or sent through Western Union
Bank. Perform a bank draft or bank transfer
Paypal. Use Paypal or similar services such as Neteller, Moneybookers, WebMoney or Yandex Money
Financial Services P2P. TransferWise use financial services.
1. "Traditional" methods
There are "traditional" methods to send money overseas:
get the money out of the bank and take him physically we (or a friend or family member) to the destination country to
put the money in an envelope, affix stamp and mail
with respect to the first it has to be borne in mind that many countries impose legal restrictions on the shipment of cash across their borders and that transport also has its cost.
With regard to the second (send it in an envelope) This is a very cheap method but very risky, although you do it through a certified letter, since there is a possibility that is lost.
Apart from these methods, which may be valid for small amounts of money, there are much better methods, each of which has its pros and cons.
2.CorreosEl Office postal money order is a money transfer service carried out by e-mail or a company specialized in it (such as Western Union). Can be carried out at national or international level.
How does the money order?
The international postal service is very easy to understand:
You're going to a post office with your cash, apply for the service of "International" (or the international service of Western Union that is also available in post offices)
filled a form indicating the place and the identity of the person to whom you sent, as well as corn cobs.
You pay a rate depending on the country and the amount sent, and you stay with the proof
The Post Office is responsible for sending the money to another office in which the recipient will receive the payment
international money order
How much does the money order?
Post Office has two modes of money order:
Eurogiro. Has a fixed cost of 5.75 euros and a variable cost of 1.25% of the total amount
Turn UPU Electronic IFS. It also has a fixed cost of between 4.5 and 6.5 euros but the variable cost is reduced (between 0.20% and 1.25% depending on destination). To know the shipping cost it is best to make an estimate on the low post web site:
For its part, the rates applied by Western Union is tiered and can be found on this link.
Examples:
A shipment of 1,000 euros to Ecuador through electronic IFS would cost 10 euros (5 € 0.5% of 1,000 €), while a shipment of 1,000 euros to Ukraine by Eurogiro would cost 18.25 € (5.75 € 1.25 per cent of 1,000 €).
A shipment of 1,000 euros through Western Union to Ecuador would cost 12.9 € (slightly higher than the cost of the eurogiro), while a shipment of 1,000 euros to Ukraine would cost 20 € (also slightly higher). Shipments to Russia are expensive (48.5 euros for a consignment of 1,000 euros).
western_European__logo is best a money order by mail or through Western Union? It depends. Post offices are generally to be a little cheaper, but it must be borne in mind that Western Union offers more services:
Countries. While the postal service postal shipments only about 40 countries (among which are included European and Latin American countries, and countries of the former USSR and Ukraine, Latvia or Lithuania), Western Union service to virtually all over the world (190 countries).
Network of offices. Western Union, in addition to the Post offices, it also has its own network of agents to be widespread and often travel agencies, real estate, and even some banks). It must be borne in mind that Western Union is not the only company that performs this type of shipping although the most well-known. There are other money transfer systems such as, for example, MoneyGram, which also has an extensive network of offices throughout the national territory.
The maximum amount. The money order by mail allows you to send a maximum of 2,500 euros, while Western Union allows a maximum of 3,000 euros.
Shipping times:
The money order by mail allows for two types of shipping: The Eurogiro that have a delivery period of 4 to 6 days, while the rotation UPU Electronic IFS is payable in 15 minutes. It must be borne in mind that the list of countries for UPU Electronic IFS is smaller (Chile, Colombia, Cuba, Ecuador, Morocco, Moldova, Paraguay, Peru, Portugal, Spain and Uruguay), but the shipment is more economical.
Western Union makes the delivery of the money in just a few minutes.
3. Send money through Spanish banking services
The most common to send money abroad through a bank is to do it via bank transfer, but what many people don't know is that banks also offer a service to send money (similar to a postal money order or at the service of Western Union) through which it is not necessary to have an account at the bank.
3.1. Giro
parallel to the growth during the last decade in our country of Western Union and MoneyGram, were appearing similar services but operated by the banks themselves also wanted their piece of the pie. It is not a question of transfers in the strict sense but of a service very similar to that offered by Western Union.
However, these services have not been as successful as expected, due to competition from Western Union and the recent emergence of new systems of sending money through the Internet and you mentioned below.
As well, some of these services as a Banco Popular Credit World have ended up disappearing. Others, such as the Santander shipping, they continue to exist but with a market share much lower than that of other systems.
Santander shipping, for example, allows for shipments up to 2,000 € abroad through a cash 4B or of an office. BBVA currently has another money transfer service (BBVA), while La Caixa has CaixaGiros.
4.New logo PayPal Paypal PayPal is a payment method already known by practically all over the world that allows you to buy in many web sites as well as transferring money between people via email. For more than 15 years is an excellent alternative to other methods in the "role" as the postal money order.
PayPal is not a bank so that is not governed by the same laws as these, even though he has to comply with the regulations of the monetary authorities of each country or economic area.
There are other services similar to Paypal but much less known by the general public: Neteller, AlertPay, Skrill, PAYTPV.
How does PayPal?
The system of sending money via PayPal is not complicated. You have to have a PayPal account (it's free open it with your e-mail address) and link it to a bank account or a credit card with which you are going to make the payments.
If you already have a PayPal account you must use the option to send a personal payment. Personal payments (non-commercial) are free provided that these are sent using a bank account or PayPal balance (for payments using a debit or credit card is charged a fee). The recipient must also possess a PayPal account and a bank account linked. For more information on rates at this link.
The process is as follows:
Transfer from your bank account to your PayPal account. If you already have linked the bank account this process is automatic and has no cost. PayPal automatically loads into account the money that becomes part of the PayPal balance.
You make a payment from your PayPal account to your PayPal account of the recipient. It is also automatic.
The recipient transfers the money from your PayPal account to your bank account linked. This transfer is free but not automatic since it usually takes 1 to 2 business day
Tips for hotels and flights
In the middle of winter, many will be preparing or imagining the summer holidays; at least, those of Holy Week. The sooner the better. Prepare and buy our holiday with time will lead to a significant saving of money. But it is not all that. In Lastminute have drawn up a list of tips for saving money on our breaks of 2015. February, a "coco" February is the best month to book five-star hotels. One night in a luxury hotel is a 10% less this month, if we compare it with the prices of the rest of the year. You can save if you combine two airlines in the reservaVerano in the volume of passengers who travel for work drops considerably in the summer in cities such as London, Paris or Madrid. This makes August in a perfect month to enjoy a getaway to the city, and also to save. Create your own package often, the airlines offer discounts when the cost of the flight is part of a package flight hotel. You can get up to a 30% discount if you compare it with what we would pay by booking the flight and hotel separately. The same is true in a pack station hotel. Mix and "infidel" You don't have to reserve and back with the same airline. Sometimes you can save money if you combine two different airlines in your booking. Flights If you don't have much in a hurry to get to your destination, it is recommended to take into account the flights. Many times they are cheaper than direct flights. Best Flexible If you are not tied to specific dates for travel, take advantage of it as an opportunity to get discounts. With class… Sometimes it's worth taking into account the Premium Economy on long distance and short distance Business Class, in particular for flight hotel packages at the last minute. The summer, Easter and Christmas are characterized by a high demand for places in tourist class. However, at that time, the upper classes have free spaces, which can be reserved for only a few pounds more. Many airlines charge a surcharge for travel on Friday, Saturday and Sunday when it is best to book to book a flight, many times it is worth getting up early to bed later or more. On Saturday morning there are fewer travelers connected looking for flights and, in addition, the places reserved by the companies are free on Friday night (deadline for its acquisition). If you are a night bird, you will be interested to know, moreover, that the 1.00 in the morning is a good time to reserve, since the tickets booked during the day that finally have not been bought become available after midnight. Travel to counter the leisure routes are usually cheaper on weekdays, and on the other hand, the business destinations on weekends. In addition, the user is encouraged to try to travel outside peak hours, moments in which the high demand has led to an increase in prices (for example, in working hours). And although you may not need to speak, it is advised not to travel when all others do... if we can. For example, Easter or Christmas, it is practically impossible to find. Try to travel in the autumn, and take advantage of it as a getaway to disconnect before Christmas, which tend to be full of festivals and family visits. Or if you prefer, you can take advantage of the first rays of sunlight of spring and enjoy a summer trip in advance. The best day to fly is insightful and choose the right day to travel. Depends on the route, but many airlines charge a surcharge for travel on friday, saturday and sunday. If you can fly between Monday and Thursday, surely you will get cheaper rates.
Trivago is a metasearch engine tourist oriented to the comparison of prices of hotels around the world. What does it mean a metasearch engine? Its main virtue is to compare prices between the major travel agencies of the industry: Booking.com, Hotels.com, Expedia, among many others.
Allows us to find very good prices in hotels all over the world, comparing between many pages and options. Trivago serves only for hotels, does not compare tickets, does not compare travel insurance or other services for the traveller. Having said that, we are going to learn more about this gauge hotel…
Table of contents in this note [Hide]
15 Tips For Cheapest Hotels on trivago
2 More info about the site Trivago
3 Search for hotels on offer
4 Is It Safe Trivago.com?
4.1 Safety Tips for book hotels
5 Final Recommendation
6 receive tips, special offers and more in your e-Mail
5 Tips For Cheapest Hotels on Trivago
Tip #1: Don't waste time looking into each one of your usual search engines (Expedia, Hoteles.com, Edreams, etc.), directly looking on trivago and this site will do the heavy lifting for you.
Tip #2: experts advise search hotel between 30 and 20 days before the trip, ensuring that it is when best rate is going to get.
Tip #3: Search for hotels not so central: sometimes, in large cities, are very good hotels close to public transport and up to 80% cheaper than those of central areas.
Tip #4: Trivago will allow you to compare prices of many specialized agencies. However, once you have chosen the hotel, please consult directly at the same rates of direct recruitment. Sometimes you can get great discounts!
Tip #5: After the comparison (with Trivago for all travel agencies vs. refer directly to the hotel), considered to assess aspects such as means of payment, payment currency, etc.
Many of us have been consulted as to whether Trivago includes options of family accommodation. For this type of accommodation.
More info about the site Trivago
is Trivago.com By all of this that I was a great choice when planning a trip, since about the best prices on over 700,000 hotels around the world, in a much faster and easier to do a comparison personnel in each of the agencies of hotels online.
The company Trivago was founded in Germany in 2015 and since then has not stopped growing, including a global expansion that today reached a notable presence of Trivago in more than 50 countries of the world. It is the result, perhaps, of the tremendous inspiration that generated by TripAdvisor in the tourism industry online.
Surely you can take advantage of this information to get cheap hotels on trivago. Anyway, in MiViaje.info help you a little bit more and you share links with offers of hotels in some popular destinations.
Trivago is a metasearch engine tourist oriented to the comparison of prices of hotels around the world. What does it mean a metasearch engine? Its main virtue is to compare prices between the major travel agencies of the industry: Booking.com, Hotels.com, Expedia, among many others.
Allows us to find very good prices in hotels all over the world, comparing between many pages and options. Trivago serves only for hotels, does not compare tickets, does not compare travel insurance or other services for the traveller. Having said that, we are going to learn more about this gauge hotel…
Table of contents in this note [Hide]
15 Tips For Cheapest Hotels on trivago
2 More info about the site Trivago
3 Search for hotels on offer
4 Is It Safe Trivago.com?
4.1 Safety Tips for book hotels
5 Final Recommendation
6 receive tips, special offers and more in your e-Mail
5 Tips For Cheapest Hotels on Trivago
Tip #1: Don't waste time looking into each one of your usual search engines (Expedia, Hoteles.com, Edreams, etc.), directly looking on trivago and this site will do the heavy lifting for you.
Tip #2: experts advise search hotel between 30 and 20 days before the trip, ensuring that it is when best rate is going to get.
Tip #3: Search for hotels not so central: sometimes, in large cities, are very good hotels close to public transport and up to 80% cheaper than those of central areas.
Tip #4: Trivago will allow you to compare prices of many specialized agencies. However, once you have chosen the hotel, please consult directly at the same rates of direct recruitment. Sometimes you can get great discounts!
Tip #5: After the comparison (with Trivago for all travel agencies vs. refer directly to the hotel), considered to assess aspects such as means of payment, payment currency, etc.
Many of us have been consulted as to whether Trivago includes options of family accommodation. For this type of accommodation.
More info about the site Trivago
is Trivago.com By all of this that I was a great choice when planning a trip, since about the best prices on over 700,000 hotels around the world, in a much faster and easier to do a comparison personnel in each of the agencies of hotels online.
The company Trivago was founded in Germany in 2015 and since then has not stopped growing, including a global expansion that today reached a notable presence of Trivago in more than 50 countries of the world. It is the result, perhaps, of the tremendous inspiration that generated by TripAdvisor in the tourism industry online.
Surely you can take advantage of this information to get cheap hotels on trivago. Anyway, in MiViaje.info help you a little bit more and you share links with offers of hotels in some popular destinations.
The 10 best online MBA 2017 to study from home
An MBA online can be a great alternative for those women who do not want to postpone their studies but also do not want to leave his family. There are alternatives to be able to reconcile work, study and family. It is now possible to study while you take care of your children, so as not to leave them alone or in the care of another person. They are a good alternative for mothers who do not work, because they do not need to leave the house, as well as a very good alternative for people who work, but they are not willing to sacrifice his scarce free time in a traditional classroom.
What is an MBA?
An MBA (Master of Business Administration) is a master (also known as master or masters), i.e. it is a graduate in business. Its contents allow students to specialize or concentrate in certain areas (finance, marketing, logistics, sustainable business, human resources, administration, etc.).
Although many professionals are wondering if it is worth to do or not to do an MBA, the trend is toward the rise due to the fact that professionals with an MBA have better paying jobs. The possibility of obtaining a management fee for a professional is less than a 10%, but if you have an MBA these possibilities are close to a 20 to 25%. Depending on the area of work, that may mean that professionals with an MBA earn on average 50% higher wages.
MBA online to study from home (in English)
1. Indiana University - Bloomington (Kelley)
was the first of the MBA of the top 20 of the United States to offer an online mode. Have 6 specializations and there is flexibility in the courses. The applications are very competitive.
2. University of Texas - Dallas
Your online program was founded in the years 1999-2000 and have 2 general programs and a special program for physicians who wish to specialize in health administration.
3. Arizona State University
is one of the oldest online programs together with the University of Indiana (15 years of experience). The classes are conducted by teachers themselves of the classes and there are 4 possible specializations.
4. Syracuse University
Your online MBA was founded in the academic year 2001-2002, offer a wide range of specializations aimed at entrepreneurs, finance, marketing and supply chains.
5. University of Florida (Hough)
is one of the 5 best programs according to the Financial Times and its online program is named as "the MBA program on earth". You have a choice of 27 months (2 years) and an accelerated program of 16 months aimed at professionals with an academic degree obtained during the last 7 years. Require at least 2 years of professional experience to apply.
MBA online to study from home (in Spanish)
1.
There is no IE Business School ranking such as the Financial Times which is listed as number 1, above other renowned universities. Offers a large number of face-to-face, mixed and programs online. Your business school is very complete, with short courses for specific areas.
2. Centrum of Catholic University of PeruSu Virtual MBA is within the top 15 at the global level and within the best of Latin America. It is much more economical than many other MBA, which together with its online platform of first level make it an excellent alternative to study from anywhere in the world. For the price and quality we have put it in the first place of the list
3. SAEJEE Business School
Executive MBA 12 months with online mode has one of the best platforms and a very good network of contacts. They have offices in 11 countries and possibility of double degree. While it is not for nothing (13,000 euros approx), its quality is worth it.
4. OBS of the University of Barcelona
Chosen by the Financial Times as one of the best MBA online in the world and the second best in Spanish. Already has 16 editions of its course, which guarantee their quality. Its price is around 14,000 euros and has a duration of 14 months.
5. The European Institute of Graduate Study
if it is a small school, has everything you need to compete against large universities. There are various financing options and 7 options of specialization of an MBA online along with other 9 master's degrees available to perform online.
What is an MBA?
An MBA (Master of Business Administration) is a master (also known as master or masters), i.e. it is a graduate in business. Its contents allow students to specialize or concentrate in certain areas (finance, marketing, logistics, sustainable business, human resources, administration, etc.).
Although many professionals are wondering if it is worth to do or not to do an MBA, the trend is toward the rise due to the fact that professionals with an MBA have better paying jobs. The possibility of obtaining a management fee for a professional is less than a 10%, but if you have an MBA these possibilities are close to a 20 to 25%. Depending on the area of work, that may mean that professionals with an MBA earn on average 50% higher wages.
MBA online to study from home (in English)
1. Indiana University - Bloomington (Kelley)
was the first of the MBA of the top 20 of the United States to offer an online mode. Have 6 specializations and there is flexibility in the courses. The applications are very competitive.
2. University of Texas - Dallas
Your online program was founded in the years 1999-2000 and have 2 general programs and a special program for physicians who wish to specialize in health administration.
3. Arizona State University
is one of the oldest online programs together with the University of Indiana (15 years of experience). The classes are conducted by teachers themselves of the classes and there are 4 possible specializations.
4. Syracuse University
Your online MBA was founded in the academic year 2001-2002, offer a wide range of specializations aimed at entrepreneurs, finance, marketing and supply chains.
5. University of Florida (Hough)
is one of the 5 best programs according to the Financial Times and its online program is named as "the MBA program on earth". You have a choice of 27 months (2 years) and an accelerated program of 16 months aimed at professionals with an academic degree obtained during the last 7 years. Require at least 2 years of professional experience to apply.
MBA online to study from home (in Spanish)
1.
There is no IE Business School ranking such as the Financial Times which is listed as number 1, above other renowned universities. Offers a large number of face-to-face, mixed and programs online. Your business school is very complete, with short courses for specific areas.
2. Centrum of Catholic University of PeruSu Virtual MBA is within the top 15 at the global level and within the best of Latin America. It is much more economical than many other MBA, which together with its online platform of first level make it an excellent alternative to study from anywhere in the world. For the price and quality we have put it in the first place of the list
3. SAEJEE Business School
Executive MBA 12 months with online mode has one of the best platforms and a very good network of contacts. They have offices in 11 countries and possibility of double degree. While it is not for nothing (13,000 euros approx), its quality is worth it.
4. OBS of the University of Barcelona
Chosen by the Financial Times as one of the best MBA online in the world and the second best in Spanish. Already has 16 editions of its course, which guarantee their quality. Its price is around 14,000 euros and has a duration of 14 months.
5. The European Institute of Graduate Study
if it is a small school, has everything you need to compete against large universities. There are various financing options and 7 options of specialization of an MBA online along with other 9 master's degrees available to perform online.
MBA and EMBA programs online
Online MBA
study your online MBA will give you the opportunity to study with a flexible schedule and in renowned universities of any country of your choice! The MBAs are very efficient in terms of the use of time and allow you to create your own schedule. You get your MBA and expand your career!
EMBA Online
The online EMBA programs offer quality education for professionals who must balance work, school and family. The distance of EMBA programs allow students to create their own schedules. Universities taught EMBAs online through email, video conferencing, video and audio clips, etc. The majority of EMBA distance can be completed in 2 years, but can be made to pace more appropriate for the student.
1 year MBA online
The study format of a 1 year MBA online is very similar to that of a MBA in person, with the key difference that the load is completed via the internet - which means that you can be anywhere in the world at any time of day or night. The MBA 1 year allow professionals active in or who have family commitments can perform this valuable investment in your career.
Double degree online
a double degree program enables students to acquire new skills in the field of business at the same time they learn to dominate another discipline. You can combine multiple fields of study with an MBA in universities around the world. Pursue a dual degree program online provides the possibility of studying at the postgraduate level to more people than ever, using the latest e-learning technology to zoom in the classroom.
What are Business Studies online?
Online Business Studies are academic programs taught in the best business schools throughout the world via distance learning methods and the internet. The main areas that constitute the majority of Business Studies programs are Finance, Marketing, Organizational Behavior and Accounting. Within each of these fields, there are a number of specializations available. There are programs online Business Studies at undergraduate and postgraduate level.
What are the benefits of taking an online business program?
The Business Studies online not only give students the opportunity to become experts in their chosen profession, learn how to solve problems, face challenges and make decisions. But that graduates of online business programs have better chances of being recruited or promoted in important organizations in the public or private sector. In addition, the online format of these programs as modern business engages students in a rigorous educational experience and communicative. The Business students who study in line communicate with their teachers and fellow students through conferences in video and audio, e-mail, virtual forums and distance learning software multimedia. Another key advantage is that distance learning will be adapted according to the schedules of all over the world, since it can be performed at any time - day or night.
What is studied in an online business program?
There are programs online business studies in a variety of different academic disciplines and types of program. Students can study Project Management, Sales of Fashion, International Trade, Investment Real Estate, Health Care Getion, Banking, Leadership, and much more. There are also programs for MBA and EMBA online at many of the top business schools in the world. Of these programs Master of Business Administration, some maintain a broader approach, while others are designed specifically for professionals with experience in a business sector in particular.
How much does it cost to take an online business program?
The costs of a program in business are composed of tuition, fees and other expenses. These vary widely from one school to another. By getting in touch with the school directly you can get specific information about these rates, in total and disaggregated statistics, of the costs for obtaining a degree in Business/business. The price of a program in business online is likely to be similar to the cost of a face-to-face program, although students online can save money by not having to scroll. It is important to contact the school directly for more information about the costs of any business interest.
What kind of professional improvement can be expected with a degree in business or business online?
Graduates of Business Studies indicate a significant improvement in their careers after completing their studies. Statistics show that graduates of certain programs (such as MBA and EMBA) have a higher probability of being considered for promotions, more vertical mobility and are better prepared to take on the challenges of leadership and/or the creation of companies.
What are the requirements for an online business program?
The prerequisites for a program of business or business depend on the program. For example, the majority of online business programs require students to earn a minimum score in their undergraduate studies, demonstrate that dominate the language of instruction and present the results of a review of admission com the GMAT or GRE. Once admitted in an online business program, students will complete assignments and jobs. Many Business students take the opportunity offered by the school of business to obtain work experience through internships or employment exchanges. Some schools also require students to undertake an independent research project and submit a thesis at the end of their studies.
Where a program of online business?
Universities and business schools around the world offer programs in line of business or Business Studies: USA, Spain, Poland, the United Kingdom, Switzerland, Kenya, South Africa, Russia, Singapore, Australia, Belgium, Turkey, Costa Rica, Colombia, Peru and Brazil, among others. Read more detailed information on studies of business or online business in these countries and contact directly with the admissions office of your interest.
study your online MBA will give you the opportunity to study with a flexible schedule and in renowned universities of any country of your choice! The MBAs are very efficient in terms of the use of time and allow you to create your own schedule. You get your MBA and expand your career!
EMBA Online
The online EMBA programs offer quality education for professionals who must balance work, school and family. The distance of EMBA programs allow students to create their own schedules. Universities taught EMBAs online through email, video conferencing, video and audio clips, etc. The majority of EMBA distance can be completed in 2 years, but can be made to pace more appropriate for the student.
1 year MBA online
The study format of a 1 year MBA online is very similar to that of a MBA in person, with the key difference that the load is completed via the internet - which means that you can be anywhere in the world at any time of day or night. The MBA 1 year allow professionals active in or who have family commitments can perform this valuable investment in your career.
Double degree online
a double degree program enables students to acquire new skills in the field of business at the same time they learn to dominate another discipline. You can combine multiple fields of study with an MBA in universities around the world. Pursue a dual degree program online provides the possibility of studying at the postgraduate level to more people than ever, using the latest e-learning technology to zoom in the classroom.
What are Business Studies online?
Online Business Studies are academic programs taught in the best business schools throughout the world via distance learning methods and the internet. The main areas that constitute the majority of Business Studies programs are Finance, Marketing, Organizational Behavior and Accounting. Within each of these fields, there are a number of specializations available. There are programs online Business Studies at undergraduate and postgraduate level.
What are the benefits of taking an online business program?
The Business Studies online not only give students the opportunity to become experts in their chosen profession, learn how to solve problems, face challenges and make decisions. But that graduates of online business programs have better chances of being recruited or promoted in important organizations in the public or private sector. In addition, the online format of these programs as modern business engages students in a rigorous educational experience and communicative. The Business students who study in line communicate with their teachers and fellow students through conferences in video and audio, e-mail, virtual forums and distance learning software multimedia. Another key advantage is that distance learning will be adapted according to the schedules of all over the world, since it can be performed at any time - day or night.
What is studied in an online business program?
There are programs online business studies in a variety of different academic disciplines and types of program. Students can study Project Management, Sales of Fashion, International Trade, Investment Real Estate, Health Care Getion, Banking, Leadership, and much more. There are also programs for MBA and EMBA online at many of the top business schools in the world. Of these programs Master of Business Administration, some maintain a broader approach, while others are designed specifically for professionals with experience in a business sector in particular.
How much does it cost to take an online business program?
The costs of a program in business are composed of tuition, fees and other expenses. These vary widely from one school to another. By getting in touch with the school directly you can get specific information about these rates, in total and disaggregated statistics, of the costs for obtaining a degree in Business/business. The price of a program in business online is likely to be similar to the cost of a face-to-face program, although students online can save money by not having to scroll. It is important to contact the school directly for more information about the costs of any business interest.
What kind of professional improvement can be expected with a degree in business or business online?
Graduates of Business Studies indicate a significant improvement in their careers after completing their studies. Statistics show that graduates of certain programs (such as MBA and EMBA) have a higher probability of being considered for promotions, more vertical mobility and are better prepared to take on the challenges of leadership and/or the creation of companies.
What are the requirements for an online business program?
The prerequisites for a program of business or business depend on the program. For example, the majority of online business programs require students to earn a minimum score in their undergraduate studies, demonstrate that dominate the language of instruction and present the results of a review of admission com the GMAT or GRE. Once admitted in an online business program, students will complete assignments and jobs. Many Business students take the opportunity offered by the school of business to obtain work experience through internships or employment exchanges. Some schools also require students to undertake an independent research project and submit a thesis at the end of their studies.
Where a program of online business?
Universities and business schools around the world offer programs in line of business or Business Studies: USA, Spain, Poland, the United Kingdom, Switzerland, Kenya, South Africa, Russia, Singapore, Australia, Belgium, Turkey, Costa Rica, Colombia, Peru and Brazil, among others. Read more detailed information on studies of business or online business in these countries and contact directly with the admissions office of your interest.
The best insurance companies in the United States
The majority of individuals obtain private health insurance through your job, although on a few occasions even the employer offers health insurance. On the other hand, the American students, are covered by private health insurance offered by their own university, as they are low cost (approximately $1000 per year).
The implications of not having a universal health insurance make universities or other educational institutions require foreign students to benefit from a private health insurance plan at the time of his arrival to the United States.
The reason is that any difficulty medical care can be a large outlay of money. For example, the cure of a pneumothorax usually cost about $50,000 and one night in the hospital, $10,000. This makes it necessary to have health insurance.
As soon as the private medical insurance, it is important to bear in mind that not everything is usually covered. That is why, at the time of a private medical insurance, it is important to know several terms to understand the conditions of the same:
"Copay or copayment: monetary percentage that the insured has to pay for a covered service. For example, insurance may cover the 80% of every doctor visit, therefore, the insured will be required to pay the remaining 20% of the cost of the visit.
"out of pocket" costs of medical services not covered (exclusions) for medical insurance, the claims must be paid in full by the same.
Pre-existing condition: this refers to the insured's medical conditions prior to the hiring of private insurance. Many insurance does not cover treatments of previous diseases. In addition, some medical insurance, include within pre existing conditions to medical treatments or medicines that may arise within the first 12 months of insurance.
Limitations and exclusions: Limitations with regard to the limitations of the insurance cover treatments or prescriptions, that is to say, the insurance would not cover the total cost of certain treatments or medications. With regard to exclusions refers to medical services or drugs not covered by insurance.
Dental Insurance: Dental insurance is not usually covered by private health insurance, so it would be necessary to pay an extra amount for hiring you.
Deductible: The amount of money that the insured has to pay in advance with any treatment or medical emergency. In the case of going to the doctor, the insured pays an invoice and then fill in a series of papers to claim the amount paid, the insurance will return the insured that part of that invoice.
Covered medical expenses: medicoos expenses covered by insurance.
In network and Out of Network Provider: medical centers (consultations and hospitals) that are within the network of providers associated with insurance, in network provides, have agreed to a reduced price for the insured. The out-of-network, out of network, you will be charged more expensive.
Coverage/Prescription plan benefits: services or drugs covered by the insurance.
Emergency services: emergency services, covered by almost all insurance.
Complements: complementary medical services which have to be paid to part, as there may be services dental or eye care professional.
Dependents or dependent: In the private insurance can be added to dependents (spouses or children) in the insurance by paying a certain amount.
Top 50 best insurance companies in the USA (United States of America)
Listed below are the 50 major insurance providers and the best providers of insurance coverage in the United States, ranked according to their total assets. Metlife is the largest provider of insurance coverage in America and one of the largest insurers in the world, with more than 90 million customers across the world. The company offers a wide range of products of insurance coverage, including life and health insurance coverage, the insurance coverage of accident, the automobile insurance coverage, property insurance, annuities, as well as retirement and savings products. Prudential, with headquarters in Newark, is the second largest provider of insurance coverage in the U.S., with $961.6 billion in assets under management (June 2012) and $3.6 billion of the gross coverage of insurance coverage in force throughout the world.
List of Insurance Companies in U.S.A (North America
Rank Insurance Company
1 Metlife
2 Prudential Financial
3 American International Group
4 TIAA-CREF
5 Berkshire Hathaway
6 Hartford Financial Services
7 New York Life Insurance Company (NYLIC)
9 State Farm Insurance
10 Massachusetts Mutual Life Insurance
11 Northwestern Mutual
12 Principal Financial
13 Nationwide
14 Allstate
15 Liberty Mutual Insurance Group
16 Aflac
17 Pacific Life
18 Genworth Financial
19 Travelers
20 United Services Automobile Association (USAA)
21 Loews
22 Thrivent Financial for Lutherans
23 Unum Group
24 CNA Financial
25 Protective Life Corporation
26 Chubb
27 Guardian Life Insurance Company of America
28 Western & Southern Financial Group
29 American Financial Group
30 CNO Financial Group (Conseco)
31 Reinsurance Group of America
32 American Equity Investment Life Holding Company
33 Aon
34 Mutual of Omaha Insurance
35 Symetra Financial
36 Ambac Financial Group
37 Assurant
38 MBIA
39 Progressive
40 W.R. Berkley
41 American Family Insurance Group
42 Torchmark Corporation
43 Old Republic International
44 Auto-Owners Insurance
45 Cincinnati Financial
46 Erie Insurance Group
47 Marsh & Mclennan
48 ACE American Insurance Company
49 Primerica Inc
50 Fidelity National Financial
The implications of not having a universal health insurance make universities or other educational institutions require foreign students to benefit from a private health insurance plan at the time of his arrival to the United States.
The reason is that any difficulty medical care can be a large outlay of money. For example, the cure of a pneumothorax usually cost about $50,000 and one night in the hospital, $10,000. This makes it necessary to have health insurance.
As soon as the private medical insurance, it is important to bear in mind that not everything is usually covered. That is why, at the time of a private medical insurance, it is important to know several terms to understand the conditions of the same:
"Copay or copayment: monetary percentage that the insured has to pay for a covered service. For example, insurance may cover the 80% of every doctor visit, therefore, the insured will be required to pay the remaining 20% of the cost of the visit.
"out of pocket" costs of medical services not covered (exclusions) for medical insurance, the claims must be paid in full by the same.
Pre-existing condition: this refers to the insured's medical conditions prior to the hiring of private insurance. Many insurance does not cover treatments of previous diseases. In addition, some medical insurance, include within pre existing conditions to medical treatments or medicines that may arise within the first 12 months of insurance.
Limitations and exclusions: Limitations with regard to the limitations of the insurance cover treatments or prescriptions, that is to say, the insurance would not cover the total cost of certain treatments or medications. With regard to exclusions refers to medical services or drugs not covered by insurance.
Dental Insurance: Dental insurance is not usually covered by private health insurance, so it would be necessary to pay an extra amount for hiring you.
Deductible: The amount of money that the insured has to pay in advance with any treatment or medical emergency. In the case of going to the doctor, the insured pays an invoice and then fill in a series of papers to claim the amount paid, the insurance will return the insured that part of that invoice.
Covered medical expenses: medicoos expenses covered by insurance.
In network and Out of Network Provider: medical centers (consultations and hospitals) that are within the network of providers associated with insurance, in network provides, have agreed to a reduced price for the insured. The out-of-network, out of network, you will be charged more expensive.
Coverage/Prescription plan benefits: services or drugs covered by the insurance.
Emergency services: emergency services, covered by almost all insurance.
Complements: complementary medical services which have to be paid to part, as there may be services dental or eye care professional.
Dependents or dependent: In the private insurance can be added to dependents (spouses or children) in the insurance by paying a certain amount.
Top 50 best insurance companies in the USA (United States of America)
Listed below are the 50 major insurance providers and the best providers of insurance coverage in the United States, ranked according to their total assets. Metlife is the largest provider of insurance coverage in America and one of the largest insurers in the world, with more than 90 million customers across the world. The company offers a wide range of products of insurance coverage, including life and health insurance coverage, the insurance coverage of accident, the automobile insurance coverage, property insurance, annuities, as well as retirement and savings products. Prudential, with headquarters in Newark, is the second largest provider of insurance coverage in the U.S., with $961.6 billion in assets under management (June 2012) and $3.6 billion of the gross coverage of insurance coverage in force throughout the world.
List of Insurance Companies in U.S.A (North America
Rank Insurance Company
1 Metlife
2 Prudential Financial
3 American International Group
4 TIAA-CREF
5 Berkshire Hathaway
6 Hartford Financial Services
7 New York Life Insurance Company (NYLIC)
9 State Farm Insurance
10 Massachusetts Mutual Life Insurance
11 Northwestern Mutual
12 Principal Financial
13 Nationwide
14 Allstate
15 Liberty Mutual Insurance Group
16 Aflac
17 Pacific Life
18 Genworth Financial
19 Travelers
20 United Services Automobile Association (USAA)
21 Loews
22 Thrivent Financial for Lutherans
23 Unum Group
24 CNA Financial
25 Protective Life Corporation
26 Chubb
27 Guardian Life Insurance Company of America
28 Western & Southern Financial Group
29 American Financial Group
30 CNO Financial Group (Conseco)
31 Reinsurance Group of America
32 American Equity Investment Life Holding Company
33 Aon
34 Mutual of Omaha Insurance
35 Symetra Financial
36 Ambac Financial Group
37 Assurant
38 MBIA
39 Progressive
40 W.R. Berkley
41 American Family Insurance Group
42 Torchmark Corporation
43 Old Republic International
44 Auto-Owners Insurance
45 Cincinnati Financial
46 Erie Insurance Group
47 Marsh & Mclennan
48 ACE American Insurance Company
49 Primerica Inc
50 Fidelity National Financial
Travel insurance do you really need it ?
Do I really need travel insurance?Tourists on a regular basis with regard to our line can understand that the difficulties, fees, in addition to tips on safe design is often a subject often try to address. Generally We follow-up consultations through tourists accordingly. However, the message last two weeks before, was in fact a common response.
A reader known as Edward (He asked each person that only the last name) in the supplement in this article, a slightly modified, is usually what precisely he stated: "I am in my mid of the 1960s, and have lately been traveling often due to the details of our late adolescents in reality we live in tiongkok, in the supplement to achieve in relation to the power of 60 58 to 70 travel arrangements a year, two in the state, in addition to other native land -. as well as in some false positions. I've never solved the time travel. visible cover the most of our trips were made ahead of us (or someone very attractive) has a card, which in turn made it rather more demanding elements (imagine it possesses elements of a currency unacceptable, without banks open). sufficient cause for not sincerely cell phone. In spite of these kinds of problems, the protection plan presumed usually actually made all over the world taking into account a loss.
"Of course we have difficulties in the supplement to many travel arrangements completed between the situations below:. 1968 - trapped in the interior of Amman within transit when a war torn apart by there in addition to numerous travel arrangements were dismissed We manage with this only as a. inadvertent opening to contemplate the city 1972 -.. Italian capital almost all the documents, in addition to dollars started We ended up being repatriated with the Embassy of the United Kingdom, through education, using a momentary report (a sheet in relation to the role). I had to pay again the specific cost of look, in addition to wine is nothing more, living until finally Dover in numerous snacks from other travelers 1974 - south east Algeria. enclosed during a full week (to stay in a motel with. . a woman is capable of that was not married), which had been quite horrible, but we ended up being in a subject produced shortly after our partner crossed to be adept at Algiers 1978. within Kabul when the soviet marketing subsidiary penetrated . well hairy 1979 - step by Tehran to be adept to France, from the limit of Trieste - for yourself from the vehicle, in addition to design without health insurance in the car or in person (in the tilt in the trend, in an alignment that was in reality is not possible).
"I don't think this is enough to create the item. We have placed usually this type of occurrences right to know, in addition to dinner outside some of them for decades. Once the time has recently attracted us to design the cover of protection. In short, it is our judgment that we have finally lost money and much less expensive than I was beginning to be resolved. In addition, numerous people who understand are shortchanged by companies that are not going to spend or to come via the options that are branched in less that the buyer expected. Is it better to assume that the coverage day had been more than worth it for me in the past, or is likely to be in the future?
A reader known as Edward (He asked each person that only the last name) in the supplement in this article, a slightly modified, is usually what precisely he stated: "I am in my mid of the 1960s, and have lately been traveling often due to the details of our late adolescents in reality we live in tiongkok, in the supplement to achieve in relation to the power of 60 58 to 70 travel arrangements a year, two in the state, in addition to other native land -. as well as in some false positions. I've never solved the time travel. visible cover the most of our trips were made ahead of us (or someone very attractive) has a card, which in turn made it rather more demanding elements (imagine it possesses elements of a currency unacceptable, without banks open). sufficient cause for not sincerely cell phone. In spite of these kinds of problems, the protection plan presumed usually actually made all over the world taking into account a loss.
"Of course we have difficulties in the supplement to many travel arrangements completed between the situations below:. 1968 - trapped in the interior of Amman within transit when a war torn apart by there in addition to numerous travel arrangements were dismissed We manage with this only as a. inadvertent opening to contemplate the city 1972 -.. Italian capital almost all the documents, in addition to dollars started We ended up being repatriated with the Embassy of the United Kingdom, through education, using a momentary report (a sheet in relation to the role). I had to pay again the specific cost of look, in addition to wine is nothing more, living until finally Dover in numerous snacks from other travelers 1974 - south east Algeria. enclosed during a full week (to stay in a motel with. . a woman is capable of that was not married), which had been quite horrible, but we ended up being in a subject produced shortly after our partner crossed to be adept at Algiers 1978. within Kabul when the soviet marketing subsidiary penetrated . well hairy 1979 - step by Tehran to be adept to France, from the limit of Trieste - for yourself from the vehicle, in addition to design without health insurance in the car or in person (in the tilt in the trend, in an alignment that was in reality is not possible).
"I don't think this is enough to create the item. We have placed usually this type of occurrences right to know, in addition to dinner outside some of them for decades. Once the time has recently attracted us to design the cover of protection. In short, it is our judgment that we have finally lost money and much less expensive than I was beginning to be resolved. In addition, numerous people who understand are shortchanged by companies that are not going to spend or to come via the options that are branched in less that the buyer expected. Is it better to assume that the coverage day had been more than worth it for me in the past, or is likely to be in the future?
Credit cards according to your form of payment
Classification of credit cards according to your form of payment:
credit card
payment and types of credit cards:
Debit Cards: When the amount of the purchase or cash withdrawal is automatically loaded into the bank account associated with the card. This acts against the balance of the bank account. Debit cards tend to be for personal use.
Credit cards: when payments are made against a line of credit that the Financial Institution assigned on an individual basis, taking into account the possibilities and needs of each client. In this case, payments are made independently of the available balance in the bank account associated to the same; in this way the holder you can choose to pay at the end of the month or defer payments. Your credit card may be personal or company and know that any credit card carries discount on your purchases.
Prepaid Cards: These cards, the client performs a load with an amount that is the available balance of the same. Within this group, there are two distinct types of cards:
1. Phone With physical support - Plastic-: The amount pre-loaded can be used later to make purchases and/or obtain cash in offices/Atms. There are two types depending on the technology or media used on the card: Support (Phone Wallet) chip and magnetic stripe.
The Prepaid Cards with Chip tend to be embedded in another modality debit or credit card and its use is for making small payments. Commonly called Monedero Card.
The prepaid cards with magnetic stripe cards are commonly present themselves individually and provide the same benefits as a debit or credit card.
2. Phone without physical support: Are Virtual Cards, in which there is no plastic, but only a card number with an expiration date and a personal secret number (PIN) chosen by the customer. The preloaded Amount is used to make purchases in the shops in commerce (internet).
These cards have two modes:
A) Virtual Cards Identified: Upon request, the holder should be credited with your DNI and facilitate their personal data.
Example of Virtual Card Identified: Virtual Card Yahoo! Identified.
b) Virtual Cards Anonymous: As a matter of identification, the holder only you should indicate your e-mail address (e-mail).
Classification OF CREDIT CARDS ACCORDING TO THE SENDER:
1) Credit cards: Are those issued by a financial institution.
Within the classification Bank Cards and with the same general characteristics, there is a type of phone called co-branded Cards. These cards are issued by a financial institution in collaboration with a commercial partner.
There are two types of Branded: COBRANDED and Affinity or affinity. The difference between the two is given by the existence or non-existence of profit in the trading partner. An example of a co-branded card Cobranded modality is the Visa Repsol card BBVA, the Renfe Visa (with which you have discounts on train journeys and you return a 2.5% of all your purchases) and modality Affinity Visa Card Red Cross BBVA.
In the spanish market there are different brands of cards: Visa, Mastercard, 4B and 6000 Card.
2) Phone. Are those issued by a non-bank private issuer.
Within the phone non-bank we can find two large groups: Phone T&E: Aimed in general to the payment of travel-related activities and entertainment. Some examples are American Express, Diners and JCB. Phone: designed exclusively to payment in the establishments of the issuer of the card.
- On the basis of this generic classification of phone banking and non-banking, we went to see the different types of bank cards depending on:
target audience to which they are intended.
Forms of Payment.
Classification OF CREDIT CARDS ACCORDING TO THE PUBLIC:
Bank cards according to the target audience The intended may be:
Personal Cards: Are those that are designed to meet the needs of payments arising from the purchase of goods and services, and private consumption.
The personal cards can be - depending on the mode of payment- credit, debit or pre-payment (virtual or wallet). Or, they can support several of these forms of payment in a same plastic.
Business Cards: Are those intended to cover the costs of procurement, travel and representation of the companies.
The phone company can also be based on the form of payment, Credit or Debit Card, although the most common is the credit card.
Gift Cards
are not credit cards but are now very fashionable now as it is used to buy in internet shops. The most widely used and known is the Amazon Gift Card.
credit card
payment and types of credit cards:
Debit Cards: When the amount of the purchase or cash withdrawal is automatically loaded into the bank account associated with the card. This acts against the balance of the bank account. Debit cards tend to be for personal use.
Credit cards: when payments are made against a line of credit that the Financial Institution assigned on an individual basis, taking into account the possibilities and needs of each client. In this case, payments are made independently of the available balance in the bank account associated to the same; in this way the holder you can choose to pay at the end of the month or defer payments. Your credit card may be personal or company and know that any credit card carries discount on your purchases.
Prepaid Cards: These cards, the client performs a load with an amount that is the available balance of the same. Within this group, there are two distinct types of cards:
1. Phone With physical support - Plastic-: The amount pre-loaded can be used later to make purchases and/or obtain cash in offices/Atms. There are two types depending on the technology or media used on the card: Support (Phone Wallet) chip and magnetic stripe.
The Prepaid Cards with Chip tend to be embedded in another modality debit or credit card and its use is for making small payments. Commonly called Monedero Card.
The prepaid cards with magnetic stripe cards are commonly present themselves individually and provide the same benefits as a debit or credit card.
2. Phone without physical support: Are Virtual Cards, in which there is no plastic, but only a card number with an expiration date and a personal secret number (PIN) chosen by the customer. The preloaded Amount is used to make purchases in the shops in commerce (internet).
These cards have two modes:
A) Virtual Cards Identified: Upon request, the holder should be credited with your DNI and facilitate their personal data.
Example of Virtual Card Identified: Virtual Card Yahoo! Identified.
b) Virtual Cards Anonymous: As a matter of identification, the holder only you should indicate your e-mail address (e-mail).
Classification OF CREDIT CARDS ACCORDING TO THE SENDER:
1) Credit cards: Are those issued by a financial institution.
Within the classification Bank Cards and with the same general characteristics, there is a type of phone called co-branded Cards. These cards are issued by a financial institution in collaboration with a commercial partner.
There are two types of Branded: COBRANDED and Affinity or affinity. The difference between the two is given by the existence or non-existence of profit in the trading partner. An example of a co-branded card Cobranded modality is the Visa Repsol card BBVA, the Renfe Visa (with which you have discounts on train journeys and you return a 2.5% of all your purchases) and modality Affinity Visa Card Red Cross BBVA.
In the spanish market there are different brands of cards: Visa, Mastercard, 4B and 6000 Card.
2) Phone. Are those issued by a non-bank private issuer.
Within the phone non-bank we can find two large groups: Phone T&E: Aimed in general to the payment of travel-related activities and entertainment. Some examples are American Express, Diners and JCB. Phone: designed exclusively to payment in the establishments of the issuer of the card.
- On the basis of this generic classification of phone banking and non-banking, we went to see the different types of bank cards depending on:
target audience to which they are intended.
Forms of Payment.
Classification OF CREDIT CARDS ACCORDING TO THE PUBLIC:
Bank cards according to the target audience The intended may be:
Personal Cards: Are those that are designed to meet the needs of payments arising from the purchase of goods and services, and private consumption.
The personal cards can be - depending on the mode of payment- credit, debit or pre-payment (virtual or wallet). Or, they can support several of these forms of payment in a same plastic.
Business Cards: Are those intended to cover the costs of procurement, travel and representation of the companies.
The phone company can also be based on the form of payment, Credit or Debit Card, although the most common is the credit card.
Gift Cards
are not credit cards but are now very fashionable now as it is used to buy in internet shops. The most widely used and known is the Amazon Gift Card.
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