Hire Travel Agencies For Your Business Travel

When going to a foreign destination on a business trip, there are a lot of things to be taken care of, especially if it is your first business travel. To make your business trip easier it is always advisable to hire a travel agency to take care of all your travelling matters.There are many travelling organisations in Australia that can help you with your business trip. They will plan all the details of your trip meticulously for you, right from the onset till the last moment of your stay in your foreign destination. Business travel is a complete opposite of a leisurely vacation. The first and most prominent point of difference is that you are not going there to take a leisurely break from work, but you are going to a foreign land for work! Therefore, these trips need proper and thorough meticulous planning. Travel agencies take care of all the planning that is to be done according to your requirements, Business air travel bookings, hotel room bookings, arrangements of meetings, and many more things on the same lines. These agencies know all the needs of business travellers and also the fact that they travel quite frequently to particular business destinations. Therefore, to attract these frequent business travellers and to furnish their own accounts, they come up with alluring business travel packages that snugly fits every traveller’s pocket! Apart from just being affordable, these packages also include comfortable stay hotel booking, affordable business air tickets, fine cuisines and dining, and best arrangements for business conferences and meetings.

For a frequent business flier, it is always recommended to hire an agency that specialises in business travelling. These agencies are experts in this area and can provide you with best possible arrangements and services at an affordable price. You can expect best experience in reasonable fees, after hiring these travel experts. These agencies can also provide you with a perfect combination of two types of travel packages, that is, which includes site seeing and pleasure activities after your business work is over. The package includes trips to the popular tourist attractions, cruises, amusement parks, site seeing and exploration of the place. There are many agencies that provide packages for both travel purposes – business and leisure. People going on business can take up such packages to explore the place after finishing the business or in the evenings or anytime of the day in between the business meetings and other official activities. These are the best economical packages for leisure and business travel. These packages can make you attend your business activities, while your family can indulge in the leisurely activities. Hiring travelling agencies not only saves you money but also makes your business trip a lot easier for you and your family.

Glycemic Index Vegetables

Vegetables are known for their ability to maintain good health. Low glycemic index vegetables are rich in vitamins and minerals. It is recommended that you eat least 2 -3 servings of low glycemic vegetables per day. Vegetables should be eaten in moderate amount.

Low glycemic index vegetables can cause a moderate rise, in sugar levels, the blood system. There are two main types of vegetables, including low and high GI vegetables. High glycemic index vegetables can increase the glucose level in the blood beyond the optimal level. Vegetables with high index scores include legumes, and starchy vegetables. Examples of starchy vegetables include potatoes, yams and etc. When you know the index rating of each vegetable, you will be able to control the sugar level in the blood efficiently. In addition, your body will be resistant against diabetes, cancer and heart disease. Eating lots of vegetables will enable you to maintain a healthy weight.

Low glycemic index vegetables are also rich in fiber. Fiber is a type of carbohydrate. However, the stomach cannot digest fiber and because the stomach cannot digest fiber, it cannot increase the glucose level in the blood system. After you eat a food, the stomach will break down the carbohydrate into glucose. Glucose can increase the level of insulin in the body. Insulin can increase the energy of the body and makes you active. After you have used up the energy, the excess insulin will be stored in other organs such as muscles and the liver. When there are no more places to store the glucose in the organs, the body will then store the excess glucose as fat in other parts of the body.

By eating vegetables, you can maintain an optimal weight because they have a low amount of carbohydrate. It is important to have low glycemic meals every day. A single low GI meal cannot lower the glucose level in the body efficiently. Eating vegetables can burn off the excess fat in your body. Vegetables can eliminate the high lipoprotein cholesterol in the blood, again helping you to have a healthy body.

If you want to find out the exact glycemic value of each vegetable, you must reference the GI food chart. You can find free information on low glycemic index vegetables on the internet. Many websites offer index rankings for different ranges of vegetables. Some websites provide more comprehensive GI information than others – look around. Therefore, you should visit a variety of websites so that you can compile the most comprehensive vegetable GI list.

Business Traveller Flying to London? A London City Guide for Getting to the Centre

London. The vibrant, beating heart of the United Kingdom. It’s one of the world’s most popular destinations for tourists, and for business travellers too. The amount of commerce that goes through London is staggering, with a financial centre second only to New York, and service industries that cater for both the UK, European and international markets. As the world’s most multicultural city – there are over 300 languages spoken by a population of over eight million people (twelve million if you include the metropolitan area) – the opportunities for business are clear.

With the UK strategically positioned for the business traveller on the western edge of Europe, London is a global hub for air travel, providing easy access to mainland Europe, and a stepping stone to the United States. Primarily served by five airports – Heathrow, Gatwick, City, Stansted and Luton – London is easily reached from anywhere in the world. But with the exception of London City Airport – smallest of the five and located in East London, close to the business district of Canary Wharf – the other four airports are satellites evenly dispersed around the city. The most popular, Heathrow, is located to the west of London; Gatwick is situated to the south; Stansted to the north east; and Luton to the North West. Knowing this before you make your travel plans can be useful. Since the greater metropolitan area of London covers over 1,000 square miles, your final business destination may not be right in the centre. Researching which airport is closest to your destination can save you time, effort and money.

However, whether you’re a business traveller flying from within the UK or from overseas, your starting destination may often determine the airport you arrive at. Other factors, such as your chosen time of travel, budget and availability will also make a difference. For example, if you’re travelling with a major international carrier from a major city, such as New York, the chances are you’ll arrive at Heathrow or Gatwick (Stansted also receives flights from New York but is the smallest of the three). If you’re travelling locally from within the UK with a budget carrier you’re more likely to arrive at Stansted or Luton (though not exclusively). And if you’re travelling from a major European city, particularly a financial capital, such as Frankfurt, London City Airport is a likely arrival point (the airport was created specifically to cater for short haul business travellers, particularly between financial centres).

Each airport is served by comprehensive rail and road infrastructure, providing business travellers with a variety of options to enter London. All five airports offer direct rail travel into the heart of Central London, coach travel to the main Victoria terminus, and hire car, mini-bus, licensed black cab and taxi services by road. If you’re a VIP business traveller, chauffeur services are also available, and with the exception of London City Airport, each also offer direct helicopter transfer into the heart of the city.

London Heathrow Airport

The busiest of the five airports is London Heathrow. Located less than twenty miles from central London, Heathrow is situated to the west of the city within the M25 motorway metropolitan boundary. The fastest route into London is via the Heathrow Express train service, taking just 15 minutes from terminals 1, 2 and 3 to Paddington station (located on the western side of Central London). If your flight arrives at either terminal 4 or 5 it’s a further four and six minutes travel time respectively, and you’ll need to transfer on to the main London-bound service at terminals 1, 2 and 3.

The service is excellent, offering comfort and convenience, but does not always suite everyone’s travel budget. The standard ‘Express’ single journey ticket costs £21.00 (€25.00 / $35.00), but business travellers can get better value when purchasing a return ticket, priced at £34.00 (€40.00 / $56.00). The ‘Business First’ ticket is more expensive, with singles costing £29.00 (€35.00 / $48.00) and returns £52.00 (€62.00 / $86.00), but it does afford business travellers considerably more leg room, the privacy of a ‘single seating’ layout, and a fold out table. The experience is akin to that of air travel. All passengers across both pricing structures enjoy access to electrical sockets, USB ports and free Wi-Fi. The overall quality of service and passenger experience generates a ‘wow’ factor, and if your budget can afford it, is certainly the smoothest, quickest and most convenient way to travel into London from Heathrow. Trains run regularly every fifteen minutes in both directions, particularly useful for last minute dashes to the airport.

There are two further rail options available to business travellers, both considerably less expensive, though this is reflected in the quality of service. That’s not to say either is not a good solution for business travellers, just that there is a noticeable difference in convenience and comfort.

With a service typically running every thirty minutes, and a journey duration – depending on the time of day – of between 23 and 27 minutes from terminals 1, 2 and 3, Heathrow Connect is more than adequate for business travellers who are not in a hurry. Like the rival Express service, Connect also arrives at Paddington station, but unlike its faster rival stops at up to five other stations before reaching its terminus. The ‘inconvenience’ of this less direct journey is compensated for by a considerably less expensive ticket price. Single journey’s cost £9.90 (€12.00 / $16.00) while a return is £19.80 (€24.00 / $32.00). There is no saving to be made from purchasing a return ticket. While the convenience and comfort of the traveller experience cannot match the Express, the Connect business travel solution is an acceptable compromise that suits a greater number of travel budgets.

The third – and least expensive – rail option is the London Underground ‘tube’ network. Despite the network’s name the majority of the journey from Heathrow is overground, until the business traveller nears Central London. Starting on the Piccadilly Line, the service connects all five Heathrow terminals and provides frequent trains into London, stopping at a considerable amount of outlying stations before arriving in the capital’s centre. This continually ‘interrupted’ journey – there are seventeen stops between Heathrow terminals 1, 2 and 3 and Paddington Tube station (the nearest equivalent tube terminus for a fair comparison) – and takes approximately fifty minutes journey time on average, considerably slower than its more direct rivals. This journey comparison also requires the inconvenience of a transfer between lines.

So why would the business traveller consider using the tube from Heathrow to Central London? Simple. The frequency of service, the array of destinations, and the cost. At a cash price of just £5.70 (€6.80 / $9.50) for a single journey in either direction during peak hours (06:30am to 09:30am), financially the Underground is an attractive option. At nearly half the price of the Heathrow Connect, and at just over a quarter of the price of the Heathrow Express, this service is comparably good value for money. Further value can be found if the business traveller purchases an ‘Oyster Card’, the ‘cashless’ electronic ticketing system beloved by so many Londoners. Available to purchase at Heathrow London Underground stations, this useful option allows you to get tickets cheaper than for cash – in this case a reduction to just £5.00 (€6.00 / $8.30). Off-peak travel with an Oyster Card offers even greater value, with Heathrow to Paddington in either direction costing just £3.00 (€3.60 / $5.00) per journey. The Oyster Card can also be used for unlimited travel on buses and trains throughout London, with a maximum daily spend capped at £17.00 (€20.00 / $28.00) peak time and just £8.90 (€10.60 / $15.00) off-peak for a six zone ticket (destinations across London are divided into six main zonal rings. Travelling from Heathrow to Central London crosses all six zones).

The Underground is primarily a city-wide mass transit system, rather than a ‘train’ service. As such the level of comfort and convenience is substantially less than that of both the Heathrow Express and Connect services, and at peak hours can be considerably uncomfortable. Having endured a recent flight, business travellers who choose this option run the risk of having to stand up the entire journey if travelling during peak hours. If the carriage is full to squeezing point (as is often the case at peak time) managing your luggage can be a challenge. It should also be noted that the tube network – which, as the world’s first urban mass-transit system is over 150 years old – is often prone to signal failures and delays. If the time between your arrival at Heathrow (don’t forget to factor in clearing immigration control, luggage collection and customs) and your business appointment is tight, particularly during peak hours, it is not unfair to say that you are taking a risk if you choose to use the Underground.

Compared to using rail, travelling by road into Central London is far less convenient. Like every major city around the world, traffic congestion plagues the streets of London. The M4 and A4 route from Heathrow into London is always busy and in parts can be slow moving at times. No matter what your method of road transport, the business traveller is vulnerable to the risk of delays and accidents.

Buses and coaches are plentiful. The dominant carrier is called National Express. They operate services between Heathrow Airport and London Victoria, the main coach terminus in London. From here travellers can travel to many other destinations around the UK. The coaches run from Heathrow Airport Central Bus Station, which is located between terminals 1, 2 and 3. Its well sign posted so easily found. If you’re arriving at terminals 4 or 5 you’ll need to first take the Heathrow Connect train to the central bus station. From Victoria Station you can get to any other part of London with ease, via the Underground, plentiful buses, local trains and licensed black cabs / minicab taxi services.

A single journey tickets start from £6.00 (€7.20 / $10.00), while returns cost £11.00 (€13.20 / $18.00). Although you can purchase your ticket at Heathrow, it is advisable to do so in advance, and online. This will ensure you have a guaranteed, reserved seat on your coach of choice, and also provide you with the opportunity to select a time of departure and/or return that best suits your needs. Typically this service runs three coaches per hour to and from London Victoria coach station. The journey time can vary, dependent on the route taken, the time of day and traffic conditions, but you can typically expect your journey to take between 40 and 90 minutes.

National Express also offers business travellers a Heathrow hotel transfer service to and from the airport, known as the Heathrow Hoppa. With hundreds of services each day running around the clock, it’s a clean, comfortable and affordable way to get about, costing £4.00 (€4.80 / $6.60) for single journey and £7.00 (€8.40/ $11.50) for a return journey. This service is particularly useful if your business appointment is located close to Heathrow and you have no need to travel into Central London.

An alternative to coach travel is taking a bus. This can be particularly useful if you arrive at Heathrow late at night. Depending on the day of the week, the N9 night bus runs approximately every 20 minutes to Trafalgar Square in Central London, from 11.30pm to 5am. The journey time is approximately 75 minutes, subject to traffic delays. It’s a very affordable service, and as part of the Transport for London infrastructure a single journey can be paid for with an Oyster Card (£1.40 (€1.70/ $2.30) or by cash (£2.40 (€2.90/ $4.00).

If your journey into London requires the freedom to choose to travel whenever you want, to wherever you want, or you simply require privacy, then private hire transport is readily available at Heathrow. If you’re just interested in getting from A to B and back again, without any other journeys in between, taking a licensed black cab or minicab taxi may suit your needs. Travelling in an iconic licensed black cab into Central London will take approximately 45-60 minutes, subject to traffic delays, and can typically cost between £50.00 (€60.00/ $83.00) and £80.00 (€96.00/ $132.00). If you do find yourself delayed in traffic the journey will cost more, since black cab meters also charge for waiting time when not moving. Black cabs are readily available at all hours, and good sign posting at Heathrow means they’re easy to find. At a squeeze up to five business travellers can be accommodated, though if you all have large luggage it will be a problem.

An alternative private hire to black cabs are licensed taxi services. This could be a better option for the business traveller, particularly if a number of people with luggage are travelling together. An array of vehicle types are available, ranging from standard 4/5 seater saloon and 6/7 passenger people carrier cars, up to 15 or 17 seater minibuses and even coach taxis. An added advantage is you can book your vehicle of choice in advance and at a fixed price. With so many different companies offering these services, prices – and quality of service – can vary, but typically for a single journey the business traveller can expect to pay a fixed, advance price of £40.00 (€48.00/ $66.00) for a saloon car; £50.00 (€60.00/ $83.00) for an estate car; £55.00 (€66.00/ $90.00) for an executive car; £55.00 (€66.00/ $90.00) for a people carrier; £65.00 (€78.00/ $108.00) for an 8 seater minibus; £80.00 (€96.00/ $132.00) for an executive people carrier; and £165.00 (€198.00/ $272.00) for a 16 seater minibus. Savings can be made on all tariffs if a return journey is booked in advance.

Travelling by black cab or licensed taxi affords the business traveller the freedom to travel at his or her own pace, and can take the hassle out of a journey. It can be a very relaxing way to commute from the airport into London, particularly after a long flight, and offers the business traveller an opportunity to unwind prior to their business appointment.

If you need to arrange senior executive or VIP transportation, chauffeur driven services are readily available (booked in advance) between Heathrow and London. The vehicle type and the length of time you require it for will dictate the price you’ll pay. Chauffeur driven services are readily available to find online. The same is true of helicopter charter services which can transfer the executive business traveller from Heathrow into Central London (Battersea Heliport) in approximately 15 minutes. Flightline Travel Management is experienced at providing our customers with both modes of transport, and we’re happy to take your enquiry.

Free Business to Business Directories

Ok so I have written about some of the best B2B directories, they all offer services at a price but can provide great results for your company. I have detailed probably what I would consider to be the ‘big’ 4. There are many more available but weather they are worth looking at is a decision I will leave for you. However not all directories make you pay for your advert, there are a few out there that offer their services for free. One thing you have to remember is that these directories simply can not provide the same coverage as the paid for ones, but considering they are free they do work fairly well. Also remember when advertising you are not limited to one place, spread your advert out across different directories to receive more coverage.

Free Index
This is one of the most popular free directories, not as large as the paid for directories but still boasting around 20,000 companies and 1.2 million visitors a month Free Index works well considering it is free. Their service is free of charge and they promise not to send to any spam. It takes about 2 minutes to set up a free small advert and is a good start to getting your name out there.

Expert Focus
This is another free directory that specializes in the advertising of manufacturers, so if it is a manufacturer you are looking for and want to put a small advert somewhere Expert Focus is worth checking out.

Combining Your Vacation and Business Travel to Save on Taxes

A vacation can be quite a high expenditure, yet may be a necessary break for you and your family. As vacations are typically considered a luxury expense, it means that you have to bear all the costs for your vacation with no help or breaks from Uncle Sam. However, with proper tax planning, you can deduct some vacation expenses under business travel. This is common practice is especially popular in the corporate world. Ever wondered why management meetings, corporate strategic meetings, or client entertainment are done in extravagant and lavish hotels?

You need to be careful when deducting the vacation/”business” expenses to ensure that you are within the rules of what the IRS qualifies as permissible costs. Furthermore, besides business travel, you can also deduct expenses for travel that couples as trips in looking for a job. These tips will help you properly plan your trip and maximize on possible “business” deductions:

Job Hunt Travel Expenses

The tax code allows for individuals to deduct travel expenses for travel to look for employment, even if one does not consequently get a job. However, you need to have been searching for a job that is in line with your current occupation. You cannot claim deductions if you are a first-time job searcher or if you are looking for a job outside your current career field. The IRS does not also allow taxpayers to deduct expenses if they have been unemployed for a long time and are looking to get back into the job market, even if their search for a job is within his or her former business or career specialty. The IRS permits deductions for expenses including travel, meals, and lodging accommodations. Therefore, when planning your vacation, you can combine the travel expenses with the expenses accumulated in search of new employment to claim the deductions.

Transportation Costs for Business Travel

Business travel deductions come with several rules that have to be carefully followed. The IRS is aware that a lot of business expenses can be misused to cater to personal expenses. Therefore, this could be a red flag area for IRS audits and therefore, you need to be careful when claiming such deductions. Costs for transportation within the U.S. are allowed if a trip has a business purpose. For international travel, a taxpayer will need to demonstrate that at least 75% of the trip’s purpose was for business to have the costs allowed as a deductible. If not, the taxpayer will need to set aside the business elements of the travel costs from the personal elements. If business travel is on a cruise, then it has to be on a U.S. vessel and the vessel must avoid docking at foreign harbors to be tax deductible. The business expense deductible for a cruise has at a cap of $2,000.00 a year.

Accommodation and Meals for Business Travel

For accommodation and meals, one needs to show that the stay was business-driven. However, you can overstay in your travel destination and enjoy a vacation after the business dealings are done. In such a case, you can only deduct the transport expenses and the expenses incurred during the business period of your trip. You will have to shoulder the full expenses of the extension time, as this is a personal expense. For business meals for yourself and your business associates, the tax code allows for only 50% of the cost to be deductible (you will need to foot the other 50% without a deduction break).

Other Expenses

The IRS also allows the deduction of any other business-related expenses while on your business travel. These expenses include tips, any taxi or car hiring expenses, phone calls, Internet connectivity charges, and laundry. However, the expenses need to be reasonable to avoid unnecessary audits. Furthermore, the IRS can reject deduction claims based on the levels of extravagance. There is a fine balancing that needs to be practiced here to avoid any IRS problems.

Travel with Family

If your business and vacation travel includes your family, you cannot deduct any of the expenses relating only to your family. You can however, deduct any costs that you shared with your family as business expenses. If for example you traveled to your destination for business in your car with your family in tow, then the transport will be an allowable business expense. You can also combine other costs such as car-hire costs and shared accommodations.

Why not combine business with pleasure? If you have the opportunity to travel for business, you can enjoy some new restaurants, hotels, or entertainment spots with your business associates and be able to get some tax relief from Uncle Sam. Or, maybe you can take some “personal time” on the road and do some job hunting on your trip to get some tax breaks.

Free Solar Panel Schemes Explained

You may have seen recent announcements in the press regarding ‘solar panel giveaways’ from new companies offering to install photovoltaic panels on your home completely for free. Solar PV panels are known to be extremely expensive, so how on earth could a company offer them for free, and why would they do it?

The answer is relatively straightforward, the companies involved stand to make a considerable amount of money from the scheme. The key behind it is that installing photovoltaic panels under the feed-in tariff is a very good investment. Installing them on your home is especially good because the feed-in tariff pays the most money for small PV installations. Anyone deciding on where to invest their money should definitely look at getting a solar installation, it’s a tax-free, index linked investment that can be a great help to families and the environment.

Unsurprisingly for the UK economy however, where a good investment is to be found it doesn’t take long for the investment banks to come lurking. All of the free solar schemes offered are actually based on investment funds set-up by a well known UK investment bank. The fund is created to pay for solar installations on suitable UK homes, and then all the revenues from the solar panels go directly back to the bank. Some electricity savings are passed to the resident, but the big majority of returns go straight to the bank.

The second critical ingredient to this arrangement is the network of installers to design and install the installations. In the UK there are not a huge number of these installer networks. Behind each of these solar panel schemes is a different network such as the Mark Group and Eaga, firms which have over a thousand installers. They grew by doing boiler replacements and installation fitting for utilities such as British Gas. This arrangement means company who actually sells you the system is in fact a middle man between you, the bank and installer. There isn’t necessarily anything wrong with this, but its important to understand what is going on.

The other way of looking at it is that the investment banks are providing a service. Not everyone is in the position to invest 10k in a solar PV system and the ‘free solar’ schemes allow a wider range of people to experience solar energy and benefit from it. The arrangement means that the feed-in tariff payments go to the investment bank, but the savings in electricity bills at least are retained by the resident.

Overall these financing schemes will help to quickly grow the industry in the UK, but beware of how they work and know that you would make a lot more money if you self-financed. In Germany and other more mature solar energy markets, what you find is that ‘solar loans’ are widely available. This is the cheapest way of financing a solar installation. You just get a loan for however much you need in order to buy your system and pay it off with the feed-in tariff revenue. It means you still get to own the system and receive at least a portion of the feed-in tariff.

So if you would like solar panels but can’t afford to invest 10k over 25 years then getting some sort of financing is a good idea. It might just be worth waiting for better financial products rather than lining the pockets of investment bankers however.

How To Make A Family Tree For Free In The US

I have to admit it, I don’t have much money. I have plenty of enthusiasm when it comes to making a family tree, but I’m not a millionaire. I make a salary, but there isn’t much left after rent and food. So, when I first started making my family tree, I was determined to make it without spending anything. In actuality, I wound up spending a lot more than nothing. In my eyes, it was more like a fortune, but to be honest, I think it was worth it. What I’ve learned about my family is priceless and the adventure isn’t over yet. It makes it possible for me to go to my job and not complain (much); because I have something else in my life. I have spent protracted periods of time talking to various people, and I know how to make a family tree with zero cost, but and this is where the big but comes in, it depends on where you are starting from. I was starting from ground-zero, so I had to spend something to find out stuff.

If you live in the United States, you will discover that it is not that easy to finish a family tree without spending something. One of the biggest reasons it is harder to accomplish is that United States records are done at the local level which means that the county is in charge and at times it even goes down to the parish level. Secondarily, there is no central repository; therefore, no central records that you can check details unless you are willing to part with some of your hard earned money. You probably can’t afford to go to every location to physically check the records so you will have to rely on the local records office to provide you with copies. Copies cost money, and you’re off and running up the family tree bill.

With that said, when researching your family tree, you need to prioritize. You know it’s going to cost you something, but realize that the largest expenditure generally comes from purchasing certificates related to your family. Record holders and government agencies can charge anywhere from $15 to $30 per certificate depending on type and location of purchase. Pricing is taken care of at the state and county level so it is varied and subject to change at any time.

Generally, marriage, birth and death certificates in the United States were available from the late 19th century onwards, so you are going to have to do some heavy duty research to find documents farther back. In addition it was only at this point was there any requirement imposed to store records and prior to that it was catch-as-catch can. Many folks just didn’t see the need to let anybody know about births, deaths and marriages in their family, preferring if they recorded it at all, to put it in the family Bible rather than some official agency.

Privacy laws also play a part when you are trying to get copies of various documents unless you can prove that you are related to the person you are trying to track. Many times you will need to prove your link to the person in question, so before you get started you will want to talk to relatives about what you are attempting. They might have documents you can copy, reducing both costs and bureaucratic red tape.

One of the best record sources in the United States is the census and if your family is of a certain religion, the church. The census is pretty comprehensive and is chocked full of useful information. The church also tends to keep very detailed records of full families if you attend the same church for years.

Let’s face it. Nothing in life is free, and tracing your family roots is no exception. I will tell you there is actually quite a bit of information out there if you are willing to look, and there are many possible resolutions to the issues you might face when doing family tree research in the U.S. There are many sources of free info, but you will have to spend more time gathering the information. Sometimes, paying for a bit of documentation will make your life much easier.

One place that has a wealth of knowledge is The Church of the Latter Day Saints (LDS) – They house an extensive set of records relating to most countries, and more specifically to the United States that they have gathered from various churches and parishes. Much of this material is available for free at familysearch.org. They have birth, marriage and death records as well copies of the censuses for FREE! The amount of information outweighs the few drawbacks which are that things haven’t been fully transcribed yet. but as a good place to start, LDS is wonderful.

Cindy’s List – cyndislist.com/ – A huge resource of information, broken down by state and counties, with literally thousands of links. The only issue with this site is that it can be somewhat difficult to navigate. You can spend hours trying to find anything!!! However, if you don’t have gobs of money to spend, you will need to give up your time in research and sometimes frustration.

Please do a search for these in google:

Rootsweb – World Connect Project – Put in your ancestors name and hit the search button, and it will check millions of existing records and return the results.

HeritageQuest Online – Usually this site is only available via subscription, but your local library may have access for free. It includes census bureau results as well as vital statistics.

Interment.net – Free Cemetery Records Online – Over two million records are stored here taken from literally thousands of cemeteries around the world.

US Genweb – The original and largest storehouse for United States genealogy.

Ancestry.com – This website offers a free 14-day trial of their service.

USGenWeb Archives – Search engine that will go through every United States record without visiting each state’s website. Very timesaving, this is a very well-hidden service that is, as a result, under used by most people

US Social Security Death Index – Easy to use database has 64 million records of deaths that occurred after 1962. Searches return birth date, death date, residence and inheritor.

Ellis Island Records – Nearly half of all American immigrants arrived through Ellis Island, New York. There’s is easy access to ships’ passenger manifest records from 1892-1924. Original manifests and photos available.

Illinois State Archives – Free databases available from the Illinois State Archives, includes marriage records.

Castle Garden Online – Search by name and time period for immigrants who landed at Castle Garden between 1830 and 1890.

Geneanet – This 85 million name database is culled from free websites worldwide.

Michigan Genealogical Death Indexing System – 170,000+ Michigan death records are available from 1867 to 1897. It’s a free index.

Kentucky Vital Records – The Kentucky Office of Vital Statistics in conjunction with the University of Kentucky have transcribed three million state vital records for Kentucky.

Utah Census Search is a free search tool for the Utah Federal census – 1850, 1860, 1870, and 1880.

GenCircles – Global Tree is a well-liked web location for searching and submitting family trees using GEDCOM files. Over 32 million surnames can be searched with cross matching to other trees possible.

Obituary Central – If you need death records for the United States or Canada, then the search tools at OC will make it a breeze.

Pennsylvania Digital Archives – The Pennsylvania Archives Records Information Access System houses over 600,000 digitized records.

Maryland State Archives – Free Genealogy Indexes – Maryland State Archives site has lots of great info on it.

Oregon Historical Records Index: This is a free index of surnames compiled from a first-rate list of documents held by the Oregon State Archives.

There are also loads of forums geared towards assisting in your search to find your ancestors such as Discover like minded folks who are willing to aid you in your search with tips, techniques and advise.

Why International Business Travellers Need Specialized Travel Insurance Cover

In this work driven world, people are goal-oriented and often financially driven; and sometimes people take for granted the importance of physical safety. Insurance makes security tangible. The insurance industry has delved its hands into various aspects of life, securing animals to kids to education to cars. You name it, insurance can secure it. Insurance has become so important in our everyday life that it’s now considered an imperative need.

The largest group of insurance companies are engaged in the travel insurance business. These insurance companies typically offer specialised policies to business travellers. The policies cover risks associated with international or domestic travel which include accidents, deaths, trip cancellations, lost tickets, damage to properties like car rentals and other concerns related to travelling. Procuring this type of insurance is important because it provides security not only to the traveller but also the employer.

Business travellers, especially those travelling internationally, are people on the go. Their employers are potential policy holders. Business travellers are exposed to more risks. The risk covered by the corporate travel insurance is unique to the business the traveller represents. For example, a business traveller working as a car dealer meets an accident while on a Cessna plane can be compensated by a travel insurance covering the risks of medical expenses while working on the job. In getting a corporate travel insurance policy, it is important to tailor the policy in order to cover all the risks that the business traveller is exposed to in relation to the work he’s involved in. Equity dictates that tailored fit policies are necessary for the safety and security of both the employer and the business travellers because of the basic reason that their travels are considered work; it is but a natural obligation for the employers to compensate and insure them.

Corporate travel insurance differs from the usual holidaymaker insurance because it cover more risks and could be specialised in accordance to the type of business the business traveller represents. For example, if the business traveller is working for mining company, the travel insurance policy can include accidents met while visiting a mining site. Because of this specialisation feature, the premium paid for these corporate travel insurance is higher than the usual travel insurance.

A tailored corporate insurance policy is being offered by various insurance companies. One of the most comprehensive policies is the group business travel insurance. For this type of insurance, it is important that the insured or the policy holder is the employer and the beneficiaries are the employees or group members. As to the requirements, each insurance policy provides for different requirements; basically if the employer can pay the premium and the insurance company is willing to cover the risk then a tailored group business insurance policy can be issued.

People work to earn a living. Often than not their work is the cause of their injuries. It is important for employers as well to prevent lawsuits filed by employees they send for travel. The best and equitable solution is to procure corporate travel insurance.

Is Our Understanding of the Glycemic Index the Answer to Obesity and Other Weight-Related Problems?

Now here’s some shocking statistics for you. Did you know that as many as 1 in 2 Americans is on a diet at any given time; that nearly 2 out of every 3 Americans are clinically defined as overweight; and 1 in every 3 American adults are so overweight that they are considered obese. And let me add just one other statistic to emphasize just how big a problem this is. It is estimated, according to SurgeonGeneral.gov that 1 out of every 8 deaths in America relate to a person being overweight.

I think you’ll agree with me that these are absolutely shocking figures and in fact it was such a concern that way back in 2001, the Surgeon General of the United States, Dr Carmona, actually called for strong public health action.

But the problem is not just unique to adults. It’s a frightening fact that the problem is now spreading to our children. Such was the growing problem with child obesity that in July 2003, the Surgeon General gave a statement before the House of Representatives subcommittee on the growing problem. And the sad fact is that despite the spotlight focus on the issue, the percentage of people that is clinically defined as overweight and the number of people classed as obese, is growing every year.

While I have focused attention on US figures, which is at the top of the league table when it comes to numbers of overweight and obese individuals, it is not just a US health problem. The UK is quickly catching up and it seems that many other countries that follow in America’s footsteps, when it comes it eating habits, show similar signs of a growing problem every year.

In my pursuit to find out why there appears to be a growing epidemic around the world, I discovered some shocking truths about the food and the weight loss industries, some of these discoveries are revealed in a video I prepared earlier in the year. Its enough to make your blood boil!

The reason why I’m so angry and passionate on the subject of food and healthy eating is because our growing problem with weight loss and obesity is invariably due not to individual choice to over-eat or eat unhealthily, but more to do with the types of highly processed and fabricated food being churned out and labeled as healthy or low fat all backed with huge marketing budgets. Quite frankly its not any surprise that people are genuinely confused on what food is good for you.

In my book, the Glycemic Index At One With Nature, I set out the scientific reason in plain easy to follow language why following the glycemic index to eating food is probably the simplest and most effective method to permanent long-term weight loss and a healthier you. In fact low GI (glycemic index) food has grown in such popularity that there are now plenty of resources both on and offline for information, from general info on the glycemic index to lists of foods with their glycemic index values.

But let me be quite clear, the glycemic index of foods is extremely important not just from the perspective of losing weight, but also in getting us to understand the cause of a whole host of health related issues associated with obesity such as diabetes, arthritis, metabolic syndrome x, high blood pressure, heart disease and a host of degenerative diseases associated with excess weight.

So, before launching headfirst into the glycemic index food list, it’s important that you have at least a broad grasp of the glycemic index, how it works and how it can help you to achieve a healthier lifestyle. You can get a ton of free information on my specialist site on the Glycemic Index or search for my other articles on the subject.

Business Travel Insurance Policy – Getting The Right One

If you travel regularly on business, you should always carry a business travel insurance policy. This is essentially just a insurance policy for traveling that is customized to the needs of the business traveler. Nearly all of these insurance policies for business travelers will include coverage of any travel arrangements, luggage loss, and rental car accidents.

While it is possible to purchase a policy that will cover a single trip, for regular business travels, annual business travel insurance policies are typically a better deal. Insurance plans for business travel are usually cheaper than regular insurance plans, depending on coverage needs. It is also cheaper to purchase domestic business travel insurance plans than insurance coverage for international business travels.

Typically policies for business travels will include up to $50,000 in benefits whether it is a one-time policy or an annual policy. But regular insurance plans often caps coverage at $25,000.

Luggage coverage goes beyond just checked luggage. It also covers laptops, cell phones, pagers, projectors, and any other equipment the business traveler typically carries.

If the trip gets interrupted by bad weather or mechanical problems the business policy holder can cancel the trip and be reimbursed for the cost of the trip.

This plan also includes trip cancellation insurance which is much like regular travel insurance’s trip interruption coverage. However, business policies usually include more coverage, such as allowing for changes in accommodations to complete the trip.

Funds are provided for anything lost on the trip. This can be very important if passports or tickets are lost during the trip.

You may also be able to get some legal services in case of accusations of crime by you or crime committed against you. Generally luggage or equipment that is stolen is covered. In some cases even kidnapping ransoms will be replaced by your business insurance policy.

One of the coverage benefits you’ll want to look for in your coverage is medical expenses. You’ll want to know for sure whether all medical expenses are covered or just accidents and emergencies. In particular, find out what kind of coverage is provided for illness. Many travel medical insurance policies cover emergency evacuations, but many do not cover other medical expenses. You’ll have to decide how much medical coverage you need.

Fortunately, even with all of the available coverage options, business travel insurance is generally quite affordable. Some other features that may be included with your business insurance plan include road side assistance and life insurance.