Why you don t need to buy extra car rental insurance – Jun #auto #insurance,


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Why you don’t need to buy extra car rental insurance

Confused about whether or not to buy extra insurance when standing at the rental car counter? Join the club.

Often times, people end up buying supplemental insurance protection that they really don’t need, said Odysseas Papadimitriou, CEO of credit card comparison site, CardHub.com. That can add anywhere from $15 to $30 a day to the cost of a rental.

“The majority of consumers are covered by their own auto insurance, but they may not know it,” he said. “They may be spending extra money when they don’t have to.”

And those who aren’t covered by their own insurance, are likely covered by their credit card, he said. All four major credit card issuers, Visa ( V ). American Express ( AXP ). MasterCard ( MA ) and Discover ( DFS ). provide some form of rental car insurance coverage. Although, MasterCard issues a few cards that don’t offer coverage.

CardHub rated the card issuers based on the extent and length of the coverage they provide, how clearly they state what’s covered and how easy it is to get claims paid. American Express ( AXP ) received the highest rating of 90% for its car rental insurance; Discover ( DFS ) was second at 88%; MasterCard ( MA ) third at 79%; and Visa ( V ) ranked last at 74%.

To make sure you get covered, you must charge your entire car rental on your credit card and decline the supplemental collision damage coverage offered by the rental company. If you sign up for that insurance, you won’t be covered by the credit card company.

Coverage from your credit card comes with restrictions, though, said Papadimitriou. Several types of vehicles aren’t covered, including trucks with open beds and off-road vehicles, as well as exotic or expensive cars like Ferraris or Jaguars. And American Express doesn’t cover certain popular SUVs, such as Chevy Suburbans, Ford Expeditions and Range Rovers.

New smart car tech already saving lives

Visa and MasterCard may not cover damages that occur on dirt or gravel roads and other cards don’t cover wheels and rims. Some card issuers cap rental periods at 15 days, after which the insurance lapses. None of the card issuers will insure a rental car for more than 30 days straight.

Rental cars in some countries are not eligible for credit card insurance. The ones most often named include Ireland, Israel, Italy, Jamaica and Australia.

One other important note: Unless your personal auto insurance also covers business use, your personal policy won’t cover damage caused when you’re renting a car for a business trip.

Drivers who aren’t sure about their coverage should call their credit card company before they leave for their trip.

CNNMoney (New York) First published June 30, 2014: 6:04 AM ET


FlyChina – China Visa Service #china #visa, #chinese #visa, #prc #visa, #china, #visa #service, #china


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  • Rates are for 48 continental states only. There is an additional $20 fee for shipping to Hawaii and Alaska.
  • For shipping loss/damage, a declared value of $100 is covered at no additional cost.
    To increase your protection to $300, add $3.00 to your total (there is a $1.00 charge per $100 coverage).
  • All shipping is delivered without signature unless noted otherwise. To request a delivery signature, there is a $5.25 fee.
    WARNING for possible DELAY: If no one is at the address to sign the delivery, the package will be re-delivered the following few days and returned to us after 3 failed delivery attempts.

For a US Citizen: the total cost is $210 for first passport, $190 for each additional passport.

You need to send the following to FlyChina:

  • Your actual passport. It must be valid for at least 1 year for 10-year visa or 6 months for short period visa. It must have at least 3 blank pages titled “Visas” at the top.
  • Visa Application Form. Required.
    The Chinese Consulate does not accept any corrections (marks or white-out) made on the application form. In order to avoid any possible delays in your visa processing, we strongly suggest that you fill out a new application form if you spotted any errors on your first attempt.
    If you cannot open the form, please download the reader here.
    The consulate does not accept handwritten forms. You must type all English information within the PDF file. Then print and sign. Handwritten Chinese characters are accepted.
  • Additional Info Form. Required
  • 10-Year Multiple Entry – On the Visa Application Form Item 2.2, please check the box “Other” and specify “Multiple entries for 10 Years.” You can apply only after your current visa has expired or will expire before your upcoming trip in a month.
  • One 2″x2″ color photo affixed on the visa application form. The consulate accepts only passport photo in white background with both ears visible. No glasses/jewelry. No self-taken photos. No photo editing. See examples.
  • Copy of your airline E-ticket receipt is required for all applicants regardless with invitation letter or not.
  • Hotel reservations covering your full length of stay. Hotel confirmation must show each visa applicant’s name. A personal invitation letter can be a substitute of this requirement. See below for details.
  • If you do not provide hotel reservation, you must provide an invitation letter along with a copy of your inviter’s Chinese National ID. The invitation letter must be signed by your inviter, and must have your inviter’s full name, address and phone number in China. The letter must also have your English name, date of birth, passport number and the specific dates and duration of your China visit. This is a sample invitation letter. Chinese consulate will verify the information. If the consulate is unable to verify the information with your inviter, your visa application may be rejected. If the inviter is applicant’s spouse, a marriage certificate copy and proof of the inviter’s work is based in China are also required
  • All business visa applicants must submit an invitation letter with a Chinese company letterhead. This is a sample invitation letter. Your invitation letter must follow the format and provide all the detailed information as shown in the sample letter. We can process business visa for Houston and San Francisco consular zones only. To find out if your state is covered, please call us first 561-477-7000.
  • Copy of the US driver license of each adult applicant.
  • If previous China visa was not on your current passport, a copy of your previous Chinese Visa page and your previous passport’s main page is also needed.
  • Payment: A single personal check or money order for the total amount payable to FlyChina Infotek, Inc. Please do not write any separate checks for the Chinese Consulate. Bounced check fee: $30.
  • FlyChina Visa Processing Form along with your delivery address, phone number, and email address.
  • Other required documents as specified. Click for Tourist. Family Visit or Business or other types of visa (work, study, transit).
  • Born in China – If you were born in China and there is no previous Chinese visa on your current passport, you are required to submit your actual previous Chinese passport. Photocopies not allowed. If your last foreign passport has a previous Chinese visa, you need to send a photocopy of the old foreign passport’s main page and Chinese visa page instead of your previous Chinese passport.
  • Born In Taiwan – If you are a US Citizen born in Taiwan, you must provide a copy of your Taiwan passport OR official Taiwan ID OR birth certificate.
  • Children under 18 – If you apply for a visa for any of your children under 18, then you must include photocopies of your child’s birth certificate, passport and US permanent resident card (if not a US Citizen) of your child’s both parents. Please do not send your original documents. If your child was born before any of the two parents becoming US Permanent Resident, then you must apply the Chinese Citizen Travel Document instead of the Chinese Visa for your child.
  • Non-US Citizen – Must be US permanent resident or H-1 or L-1 visa holder with at least 6 months of validity. Your permanent resident card copy or I-94 is required. Please do not send your original green card. For other visa holders, you are required to obtain your China visa in the country of your citizenship.
  • Citizens of India and Pakistan – Unfortunately, we are unable to process your application. You must apply with the consulate in person.
  • We can process work visa, study visa and business visa for very limited states only. Must call before sending us your application.
  • X, Z, D or J-1 VISA HOLDER – The applicant shall go through residential formalities in the local public security department within 30 days of the entry date.

FlyChina Infotek, Inc.
Visa Department
951 Yamato Rd, Suite 106
Boca Raton, FL 33431-4425

Tel: 561-477-7000 Press 3

If you are in South Florida, you are welcome to drop your application in our office in Boca Raton.

If you prefer to pay by credit card, please add 4% to your total amount. Use this Credit Card Processing Form.

Call us at 561-477-7000 then press 3 or email us at chinavisa flychina.com if you have any questions. Thank You.

Note –

  • Please make sure all visa requirements are met. We will submit your documents to the Chinese consulate, but we will not validate your application. We cannot be held responsible for any delay or denial of your visa for any reason or for no reason from the consulate. All processing and delivery fees are non-refundable.
  • We use FedEx to deliver your documents; therefore, any loss or delays are subject to the rules and policies of FedEx alone. Each package is covered by a declared value of $100 at no additional cost. To increase your protection to $300, add $3.00 to your total amount (there is a $1.00 charge per $100 coverage).
  • All shipping is delivered without signature unless noted otherwise. To request a delivery signature, an additional $5.25 will be charged. WARNING for possible DELAY: If no one is at the address to sign the delivery, the package will be re-delivered the following few days and returned to us after 3 failed delivery attempts.


Six billion Qantas points slashed in credit card overhaul #borrowing, #credit #cards, #american #express, #amex,


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Six billion Qantas points slashed in credit card overhaul

Qantas discovers that loyalty pays off

I love my frequent flyer points but, with young children, I rarely fly anywhere far to accrue them. Instead, my strategy is to flush every possible dollar through my credit card.

Last year my family of four used Qantas points to travel from Hong Kong to London, return, for free. Instead of paying $10,000 to get to Britain with a stopover, we spent only $4000 on a return flight to Hong Kong.

But if you’re like me, there’s distressing news.

A new government cap from July 1 on the hidden cost of credit card transactions, intended to stop merchants overcharging customers, is going to stop our points. Or at least seriously curtail them.

So-called interchange fees are charged by the bank that issues your credit card to the merchants where you use the card. Today the fees are up to 1.7 per cent of the transaction amount on premium cards, but in just over three weeks they will be limited to 0.8 per cent on nearly all cards. (Note cards issued directly by American Express, rather than an Amex from a bank, are unaffected).

This is why the big four are waging war on their Amex cards. as they scramble to preserve profit margin.

But all premium cards will be affected – especially those that earn frequent flyer points. And Qantas cards are the ones Aussies love the most.

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Exclusive analysis for Money suggests more than 2 million Qantas frequent flyer cards will shortly have their “earn rates” slashed – the number of points you earn per $1 you spend. The figures from comparison site Finder are based on the size of the credit card market and the spread of products (21 per cent offer Qantas frequent flyer points).

Already the earn rate on one in three Qantas cards has been cut to counter the coming loss of revenue. That represents a collective detriment to customers across the country of some 6 billion frequent flyer points each year – or more than $100 million in lost value annually.

Finder spokeswoman Bessie Hassan says this works out close to 48,000 Qantas return flights to Europe valued at $2000.

“While the everyday consumer may not know what an interchange fee actually is, the implications of the Reserve Bank changes will be huge for rewards credit card holders,” she says.

Based on the average credit card spend of $18,987, the typical Qantas credit card will earn 4979 fewer points a year (on changes announced so far). The loss in dollar terms ranges from $81 to $242 (each Qantas frequent flyer point is worth about 1.7¢).

Customers with an ANZ Frequent Flyer Platinum card will have 14,240 fewer points a year, although ANZ has entirely abolished its annual fee on Qantas cards for the first year, which actually makes this an attractive card now. The least affected in terms of points changes we know are cardholders with Citi Qantas Signature Visa, NAB Qantas Rewards Platinum Card and Westpac Altitude Qantas Black – they’ll lose only 4747 points. (All figures use average spend).

“Phew! I have my frequent flyers with another airline,” you may be thinking. But you’ll find it’s similar.

The good news is, after the change to interchange fees, points collectors who are typical spenders should still on average come out ahead based on the Qantas experience so far (and see my tips for how to maximise your points – not your spend – to combat the clawback).

Note too there are huge giveaways at the moment on sign-up – up to 90,000 instant Qantas points – that could incentivize your switch to a card with more generous conditions. On Monday, Qantas itself also seized the opportunity to grab market share with a new launch: The Qantas Premier MasterCard with $1 earning you one point if spent in Australia, 1.5 if transacted overseas and two if you’re buying a Qantas product. It sounds good but in reality represents similar value to the cut-down Qantas cards.

Over time of course, issuers of existing cards could look to recoup their interchange cash by increasing annual fees – or upping interest rates. (But if you don’t clear your balance in full each month, you shouldn’t use these expensive cards in the first place).

Frequent flyer addicts will need to be vigilant about their value going forward.

Meanwhile, the question I’m asked most often is: “How does it relate to the credit surcharges we are so often forced to pay?”

Firstly, large merchants are already banned from charging more than the actual cost, and from levying a flat fee, and small ones will be from September.

Secondly, the imminent cap on background or interchange costs to merchants should, theoretically, reduce credit card surcharges for customers (with the exception of pure Amex cards that don’t fall under the interchange rules). The Reserve Bank is on record saying businesses should pass on the savings and, eventually, this will give the economy a nice little boost.

We’ll see what happens. Because the true-cost surcharging regime has so far seen some merchants apply a charge at the checkout where previously there was none.

How to maximise your Qantas points and combat the clawback

· Did you know Bpay payments attract no points with many rewards cards? However, settling ALL your bills via a direct transaction with a provider could dramatically up your points. Just check there’s no credit card surcharge to undo your advantage.

· Further to the last tip, some – but not all – schemes exclude any utility, Tax Office or government payment from points. There might be an opportunity to earn more with a different card.

· Finally some good news for renters… many real estate agents now offer credit card facilities, which means you could turn this significant annual expense into free flights (check that the payment system they use allows points). Say you pay $500 a week in rent. If your card awards one point for $1 spent, there’s an extra annual 26,000 points. Take that mortgage holders!

Nicole Pedersen-McKinnon is a commentator and educator who presents her Smart Money Start. fun financial literacy incursion, in high schools around Australia. Follow Nicole on Facebook .

Nicole Pedersen-McKinnon

Retail Buyer Visa Options – Skill Shortage Lists, Immigration New Zealand #retail #price #index


#retail buyer jobs

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Skill shortage list checker

Requirements to claim points for skilled employment (Category C)

At least three years of relevant recognised work experience and a relevant recognised qualification which is at, or above, level four on the New Zealand Qualifications Framework (a qualification at level four must be a National Certificate or a New Zealand Certificate)
OR
At least three years of relevant recognised work experience and your employment, or offer of employment, has an annual base salary of at least NZ$45,000.

Related visa: Skilled Migrant Category

If you have enough points and meet the requirements then you may be eligible to apply for a Resident Visa under the Skilled Migrant Category. This category of visa allows you to live and work in New Zealand indefinitely and access most publicly funded services. The first step towards applying for this visa is to submit an Expression of Interest.

Retail Buyer is not on the following lists:

Unfortunately this occupation is not on the Long Term Skill Shortage List.

Download full list 274kb

Unfortunately this occupation is not on the Immediate Skill Shortage List.

Download full list 250kb

Unfortunately this occupation is not on the Canterbury Skill Shortage List.

Download full list 233kb

What if an occupation is not listed?

If your job is not on a shortage list, don t be disheartened. There are other work, resident, student and holiday visas that might be right for you.

Employers with advertised job vacancies in New Zealand that have made genuine but unsuccessful efforts to find a suitable New Zealand citizen or resident for the position can look to recruit migrant workers. In this situation, the employer may apply to Immigration New Zealand for Approval in Principle to recruit workers from overseas. They may also offer employment to a migrant directly and support their application for an Essential Skills work visa. The employer will need to provide supporting information and demonstrate their efforts to recruit New Zealanders first.

If you want to apply for residence in New Zealand, you might be eligible under the Skilled Migrant Category. or a Work to Residence visa if you are offered employment by an Accredited Employer.

If you are aged between 18 and 30 years, and your country has an agreement with the New Zealand government, you may be eligible to apply for a Working Holiday visa.

A Visitor Visa is a great way to experience everything New Zealand has to offer. You are permitted to meet with prospective employers but you are not permitted to work until you have been granted a work visa.

Skill shortage list notes

Note 1: Qualifications listed (unless an exception is stated) are New Zealand awarded qualifications on the New Zealand Qualifications Framework (NZQF). Overseas qualifications must be comparable to the standard of the New Zealand qualification listed or a qualification listed in the New Zealand Standard Classification of Education. An International Qualification Assessment (IQA) from the New Zealand Qualifications Authority will state the comparable NZQF qualification.

Note 2: Where post-qualification work experience is included as a requirement it applies to all qualifications listed for the occupation (unless otherwise indicated).

Note 3: Where a Washington Accord accredited undergraduate engineering degree is a requirement, the engineering degree has to be awarded from or after the date the country became a signatory, and must be on the list of accredited programmes of the signatory country. To determine if an engineering degree awarded is Washington Accord accredited, please refer to the links from the International Engineering Alliance website .

Where a Sydney Accord accredited undergraduate engineering degree is a requirement, the engineering technology degree has to be awarded from or after the date the country became a signatory, and must be on the list of accredited programmes of the signatory country. To determine if an engineering technology degree awarded is Sydney Accord accredited, please refer to the links from the International Engineering Alliance website .

Note 4: Qualifications held by applicants claiming points based on this list under the Skilled Migrant Category must be recognised under the Skilled Migrant Category.

Note 5: Where New Zealand registration is specified as a requirement and states a qualification(s) in this area of absolute skill shortage is/are , a person only needs to hold the particular New Zealand registration and to have undertaken any necessary work experience in order to meet the requirements of the List. In these cases, qualifications are listed only for the purposes of people applying for work visas under WF4.1.

Job not quite right?

Related occupations that appear on shortage lists:
Wool Buyer


Retail Buyer Visa Options – Skill Shortage Lists, Immigration New Zealand #tmobile #retail #stores


#retail buyer jobs

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Skill shortage list checker

Requirements to claim points for skilled employment (Category C)

At least three years of relevant recognised work experience and a relevant recognised qualification which is at, or above, level four on the New Zealand Qualifications Framework (a qualification at level four must be a National Certificate or a New Zealand Certificate)
OR
At least three years of relevant recognised work experience and your employment, or offer of employment, has an annual base salary of at least NZ$45,000.

Related visa: Skilled Migrant Category

If you have enough points and meet the requirements then you may be eligible to apply for a Resident Visa under the Skilled Migrant Category. This category of visa allows you to live and work in New Zealand indefinitely and access most publicly funded services. The first step towards applying for this visa is to submit an Expression of Interest.

Retail Buyer is not on the following lists:

Unfortunately this occupation is not on the Long Term Skill Shortage List.

Download full list 274kb

Unfortunately this occupation is not on the Immediate Skill Shortage List.

Download full list 250kb

Unfortunately this occupation is not on the Canterbury Skill Shortage List.

Download full list 233kb

What if an occupation is not listed?

If your job is not on a shortage list, don t be disheartened. There are other work, resident, student and holiday visas that might be right for you.

Employers with advertised job vacancies in New Zealand that have made genuine but unsuccessful efforts to find a suitable New Zealand citizen or resident for the position can look to recruit migrant workers. In this situation, the employer may apply to Immigration New Zealand for Approval in Principle to recruit workers from overseas. They may also offer employment to a migrant directly and support their application for an Essential Skills work visa. The employer will need to provide supporting information and demonstrate their efforts to recruit New Zealanders first.

If you want to apply for residence in New Zealand, you might be eligible under the Skilled Migrant Category. or a Work to Residence visa if you are offered employment by an Accredited Employer.

If you are aged between 18 and 30 years, and your country has an agreement with the New Zealand government, you may be eligible to apply for a Working Holiday visa.

A Visitor Visa is a great way to experience everything New Zealand has to offer. You are permitted to meet with prospective employers but you are not permitted to work until you have been granted a work visa.

Skill shortage list notes

Note 1: Qualifications listed (unless an exception is stated) are New Zealand awarded qualifications on the New Zealand Qualifications Framework (NZQF). Overseas qualifications must be comparable to the standard of the New Zealand qualification listed or a qualification listed in the New Zealand Standard Classification of Education. An International Qualification Assessment (IQA) from the New Zealand Qualifications Authority will state the comparable NZQF qualification.

Note 2: Where post-qualification work experience is included as a requirement it applies to all qualifications listed for the occupation (unless otherwise indicated).

Note 3: Where a Washington Accord accredited undergraduate engineering degree is a requirement, the engineering degree has to be awarded from or after the date the country became a signatory, and must be on the list of accredited programmes of the signatory country. To determine if an engineering degree awarded is Washington Accord accredited, please refer to the links from the International Engineering Alliance website .

Where a Sydney Accord accredited undergraduate engineering degree is a requirement, the engineering technology degree has to be awarded from or after the date the country became a signatory, and must be on the list of accredited programmes of the signatory country. To determine if an engineering technology degree awarded is Sydney Accord accredited, please refer to the links from the International Engineering Alliance website .

Note 4: Qualifications held by applicants claiming points based on this list under the Skilled Migrant Category must be recognised under the Skilled Migrant Category.

Note 5: Where New Zealand registration is specified as a requirement and states a qualification(s) in this area of absolute skill shortage is/are , a person only needs to hold the particular New Zealand registration and to have undertaken any necessary work experience in order to meet the requirements of the List. In these cases, qualifications are listed only for the purposes of people applying for work visas under WF4.1.

Job not quite right?

Related occupations that appear on shortage lists:
Wool Buyer