In this article we will examine the workings and mechanics of a vacation club. Many people do not know the true benefits of belonging to such a club, and thus miss out on many wonderful experiences as a result.Not all vacation clubs will offer the same type of packages. Honestly, some are not very attractive to the potential member at all. There are too many restrictions and too few options. Although they may have some affordable vacations, the selections can be very limited. For these reasons, many people have become dissatisfied.Unfortunately, lousy vacation clubs get all the attention and publicity, leaving those clubs with good programs in the cold. This is a sad story for the average person who would truly enjoy an affordable vacation!Most quality vacation clubs will offer their members programs that have the following types of benefits:- Prime Time weeks at desirable locations
- Vacation Properties that carry 3, 4, or 5 star ratings
- Immediate Confirmations
- Future Bookings up to one year or short notice bookings of 3 days notice
- Affordable AccommodationsThe vacation clubs that are of the highest quality will offer in addition to the above, specialty holidays, mini-vacations, theme-related holidays, cruises, online bookings at hotels or short-stay locations and resorts and even the best deals on flights.One nice thing about these higher quality vacation clubs is how they do the research to determine what types of vacations their members like best. From there, they take the necessary steps to put together vacation plans that will align to those most popular choices without breaking the budget!One such example is Aruba. If ever you’ve been to Aruba, you know that it is one of the most wonderful vacation places in the world! The waters are so clear, and the skies so blue no matter what time of year you go. If you are from a cold winter environment, there is nothing more wonderful than a week in Aruba in February!Aruba doesn’t only offer spectacular beaches! There are shopping, casinos and vibrant night clubs!December is a terrific time in Aruba as well. If you want to really know what’s a true fireworks display, visit Aruba on New Year’s Eve! Find out why Aruba is also called “Happy Island” by so many people! You would probably assume that your hotel would cost you well over a thousand dollars, and in so many other vacations clubs, you would be right. But not all vacation clubs are that high priced!One of the truly great things about the higher quality vacation clubs is that you can also count on saving a lot of your precious time and energy in trying to plan your vacation. You won’t have to be searching endlessly trying to find the right price for you and your family. The vacation club is there for you and takes so many of those nightmarish planning activities away.Start living life again. Do yourself a big favor and find the kind of vacation club that really is reputable and making a difference in the quality of fun you always dreamed of!
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2012 Health Care Trends
The face of American healthcare in 2012 is changing. Various reforms have already been implemented and others are pending. Current political debates, opposition movements and pending court cases regarding health-care reform all point to an uncertain 2012. Despite the changes overshadowing the future of the US healthcare market, employers have no choice but to continue managing these costs for their companies. Employers and human resources staff that are well-informed about health insurance trends will be better suited to determine the policies that will be of greatest benefit to their companies.Projected Health Care CostsAccording to the Aon Hewitt 2011 Health Care Trend survey, national medical care costs are projected to increase by 10% in 2012. In California, employers may have to shell out an additional 12% for healthcare costs, according to the California Health Care Foundation (CHCF) annual survey of December 2011. Healthcare inflation is increasing at levels of 3 or 4 times the degree of national inflation. The expectation is that these trends will continue, creating concern for employers as well as employees struggling to afford medical coverage.According to recent studies, rising insurance premiums may drive many employers to discontinue offering health coverage to their employees, opting to pay a penalty instead. In June 20122, the McKinsey Survey contacted 1300 employers on the CEO or CFO level. The survey found that 30% of all employers were likely to drop their health care plans; of those employers with a “high awareness” of the details of health care reform that increased to 50%. Ostensibly, seemingly high fines of $2000-3000 would be enough of a deterrent to prevent employers from discontinuing coverage for employees. However, in truth, such penalties represent only about one quarter of the health insurance costs these employers would have to pay.California Trends with Co-Pays and DeductiblesAccording to the CHCF, higher co-pays and deductibles are also on the rise; a trend that is likely to continue. Some interesting statistics pertaining to California health insurance programs highlight this trend as employers look for creative way to reduce insurance premiums.
76% of California HMO plans and 65% of PPO plans have copays of $10-$20
Less than 1% of all plans offer $5 copays, but over 25% of these plans obligate copays of greater than $20.
25% of California’s employer sponsored plans are high deductible plans of $1000 or more.
The bottom line is that through elevated deductibles and greater out-of-pocket expenses employers are passing costs on to employees.ConclusionHealth insurance for small business is looking to undergo significant changes in 2012. If employers are serious about reducing health costs and shielding their companies from drastic changes in the coming year, they should be sure to review and implement creative health insurance plans for their employees.
Learn About Commercial Property Loan Rates
Investing in property is one of the best decisions to make right now, and learning as much as you can about the commercial property loan rates will make investing much easier. The value and future return on investment is set to be high and the government is encouraging investors to put their money into commercial property, especially into multifamily dwellings, apartment buildings and condominium developments. Property development and real estate investing is the best way to secure your financial future. Loan rates refer to the money that a business or investor will have to pay to the financial services company who has granted then the loan.This rate can vary and there are a number of factors that can affect loan rates. These loan rates may be slightly higher than a regular mortgage loan from the bank because the term of the loan is usually much shorter than the term of a regular mortgage. The interest on this sort of loan may be linked to the capital amount making the payments slightly higher than normal. The economy also affects the loan rates as many interest rates are linked to the economy.Banks tend to tighten their financial lending belts when the economy is suffering which is why you may have to look around for alternative sources of funding when you need to apply for a commercial property loan. Another factor that can affect the loan rates is the overall state of the business that is applying for a loan. You will have to ensure that you have all of the correct paperwork when you apply for a y loan, especially if you are a first time investor or entrepreneur looking to break into the commercial property market. This is why you may need to look further afield than commercial banks or traditional ways of getting a loan. There are a number of alternatives that can be arranged through different types of financial providers so that you can get the financing that you need. Finding help is a matter of doing a little research and collaborating with a company that will provide you with the best financial solutions for your business.There are different types of commercial loans that you can apply for, and you need to explore all of them in order to ensure that you are making the right decision for the future of your business. If you have an existing commercial property then you may even want to refinance the loan to help you branch out and invest in other properties. Find a company who will give you the answers to all of your commercial property financing and let them guide you through the process. You should make use of an expert company to help you negotiate the best commercial property loan rates for your business. Financial solutions and investments can be creative and can provide you with the means to grow your business and your commercial property investment portfolio.