Gift Card rush Will Boost Holiday Sales Figures

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While online and retail holiday shopping sales have met or exceeded expectations for most retailers in 2005, there is another “rush” for all retailers to prepare for: gift card redemption.

According to Hitwise, an online intelligence service, the market share of U.S. Internet searches containing the words “gift card” was up 32% for the week ending December 10, 2005 as compared to the previous week. In fact, the National Retail Federation expects gift card sales to increase 6.6% this holiday season to 18.48 billion dollars, with consumers spending an average of $88 dollars on gift cards or 15.6% of their holiday shopping budget.

Gift certificates have always been a popular gift choice for the hard to please recipient or even for the lazy shopper. For the gift giver, it allows a quick purchase at whatever store or online merchant they select, with a dollar amount that fits their budget. For the recipient, they can select what they want from a particular merchant and for the most part use the card at their convenience.

But for some, giving a gift card is a cop-out, reasoning it is too impersonal and opting to hand pick a gift and selecting something special and unique for a loved one or friend. However, for some, the gift card is the ideal gift choice, with family or friends even suggesting the store or online merchant they prefer.

For the merchants, it has extended the holiday shopping season because they cannot record the sale until the recipient uses the gift card to make a purchase. This holds down sales figures in November and December, but provides a boost in January when most cards are redeemed. An additional boost is provided by the fact that most of the shoppers who redeem their gift cards typically spend 15% to 50% more than the face value of the card when they select their holiday gift.

There are some downsides to gift cards. Some retailers clear unused gift cards off the books by subtracting off of the face value of the card, an inactivity fee (usually $2.50 per month) after a certain amount of time. Some gift cards have an expiration date and others come with special conditions or restrictions. However, consumer outrage has prompted many states across the country to introduce legislation limiting or banning the fees. Additionally, there is no federal law on gift cards but, two Republican congressmen, Joe Barton of Texas and Charlie Bass of New Hampshire, have requested that the Federal Trade Commission investigate the way retailers conduct their gift card programs.

Is giving a gift card too impersonal? Is it the best gift choice? That question is up for debate and is a personal preference. But with annual gift card sales projected to reach 90 billion dollars by 2007 (Ernst & Young 2005), the gift card is here to stay.

Country Vacations India Mysore Member Exclusive Timeshare Holiday Packages

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Since its inception, Country Vacations India has been offering world-class family timeshare holidays, premium quality clubbing amenities and spectacular entertainment events to its members. With its vast network of holiday resorts, hotels, vacation amusement hubs, health and wellness facilities and other related facilities, Country Vacations India is a leading leisure infrastructure company in India. It has over 60 own properties across India, Middle East, Bangkok and Sri Lanka and offers over 4000 RCI and Dial-an-Exchange international holiday associates to its members. Wide range of holidays offered under various segments of vacation packages by Country Vacations India includes international holiday destination properties, weekend family getaway destinations, beach resorts, wildlife retreats, hill station lodges, religious vacation trips, adventure sports vacation circuits and shopping vacation destinations.

In its own network properties, Country Vacations India provides several choices of leisure infrastructure facilities and amenities including everyday clubbing, city centric clubs, wildlife safari, beach holiday, water adventure sports facilities, health and wellness rejuvenation therapies, banquet facilities and numerous indoor and outdoor options. The country Vacations India at Mysore offers both members exclusive holiday packages across its vast network and premium quality family clubbing amenities at its Mysore property. Many clubbing and holiday services offered at Country Vacations India Mysore Club includes luxurious accommodation options, multi-cuisine restaurant, swimming pool, banquet hall, fitness centre, travel desk, party lawn and choice of indoor game facilities including billiards, snooker and table tennis. The Country Vacations India Wildlife Resort at Bandipur is a unique property that offers firsthand encounters to experience the true jungle life in Bandipur National Park and Tiger Reserve. With prior permission from the forest officials, it organizes safari trips deep into the jungles with experienced guides, trekking trips, cycle tracks, bird watching trails and wildlife photography expeditions into nearby forest.

The Country Vacations India Wildlife Resort at Bandipur has multiple luxurious accommodation options including executive rooms, family cottages and deluxe suites, multi-cuisine restaurant, well stocked bar, cricket net, tennis and volleyball court, bonfire facilities, huge swimming pool, jungle view tower, landscaped garden, travel desk and many indoor game facilities. To provide world-class holiday and clubbing services, Country Vacations India has separate Resort Management Cell that exclusively handles member vacation planning and room reservations, various Customer Care Offices across India and Middle East resolve issues related to memberships, event passes and AMC due payments. Also, Country Vacations India offers real-time online holiday reservations and payment facilities.

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Will The Payroll Tax Holiday Stimulate Your Economic System

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If you earn a payroll check the payroll tax holiday within the Bush tax cut package could give you a two percent pay hike. Lawmakers view the payroll tax holiday being a financial stimulus on the assumption that individuals will spend that additional money. But some economists say that customers will probably conserve more of that money than the politicians hope. If all will go as prepared, folks really should never need to obtain a personal cash loan. Resource for this article – Inside the payroll tax holiday and how to have a happy one by MoneyBlogNewz.
Payroll tax holiday: economic stimulus?
The payroll tax holiday proposal rolls back the employees’ share of the payroll tax from 6.2 percent to 4.2 % on income up to $106,000. Firms like Deutche Bank revised the predictions for 2011 from 3.3 % to 4.1 percent with economic growth after the tax deal had been announced. Here’s the math behind that reasoning:
Wages and salaries in the U.S. in 2010 total $6.44 trillion. That figure grew nearly 5 percent in the second and third quarter. If that rate continues, wages and salaries will total about $6.75 trillion a year from now. Deutche Bank estimates about 85 percent of total wages and salaries are dinged by the payroll tax. A 2 % reduction in that tax puts $115 billion back in workers’ wallets. Based on the current personal savings rate of 5.8 %, $108 billion — 0.7 percent of estimated 2011 GDP — would be spent. Therefore, 3.3 + 0.7 = 4.1 percent.
There is the Permanent Income Hypothesis to consider
Most are saying that there is too much optimism. This would be from Deutche Bank. Since informed consumers will realize the 2 % raise will only last just a little when, suggests John Carney at CNBC, the payroll tax holiday won’t increase spending that much. There is a name for this made up by economists. Permanent Income Hypothesis is that name. Future earnings are what people spend based off of. Current take-home pay doesn’t do that. The financial crisis changed people. Before it, people spent more than they earned and wouldn’t save at all. After that, the financial crisis came. Now people spend less and conserve more because expectations for the future are diminished.
What you are able to do with your payroll tax holiday
What should you do with that payroll tax holiday raise? Spending it isn’t the suggestion SmartMoney gives. Putting it in a Roth IRA, a traditional IRA or a 401(k) is the suggestion. The money will then be worth something. It will still be worth something after 2012 when the payroll tax holiday ends. You might end up just paying for the health care costs that are expected to rise next year. Buying new appliances is a new option. You could save hundreds of dollars in a few years with more energy efficient home appliances.
Citations
SmartMoney
smartmoney.com/personal-finance/taxes/what-to-do-with-a-payroll-tax-cut/#ixzz17WrUvmtU
CNBC
cnbc.com/id/40553481
Business Insider
businessinsider.com/deutsche-bank-explains-why-the-payroll-tax-holiday-is-a-game-changer-and-could-push-gdp-to-41-2010-12

Cayman Islands real estate property for sale – Homos, condos, villas, lands.

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Customer is king – is the motto at Regal realty. With an ear to the ground for the best in Cayman Islands properties, we are able to bring to you prime listings in condominiums, beach front villas and time share apartments in the best locations on Cayman islands.

There is always real estate for sale in the Cayman Islands. A burgeoning services hub, the Cayman Islands sees a good amount of flux of working people. As a result, there are always a large number of Cayman homes for sale. Pre-owned homes a real good option for those looking to work in the Cayman Islands for a few years. It is also a good second home away from your urban one. Grand Cayman real estate offers a choice of residential properties – beach front villas and deckhouses along the coveted seven Mile Beach; other areas on the Cayman Islands have similar facilities at lower costs. A long eekend on your delightful Cayman Islands property sends you fully recharged for your hectic city schedules.

This apart, Cayman Island real estate is a great investment option. The government is keen to promote development, the tax laws for owning property are not stringent, the people are honest and you are more likely than not to get good value for your money. Owning land in the Cayman Islands is also an attractive idea. You might develop it when you are good and ready or you might sell it to a developer or have them develop it for you. Besides land, there is commercial property that you might want to invest in. Its win-win either way.

Cayman real estate agents make things very easy for you. All reputed Cayman Islands real estate agents are members of CIREBA, which ensures that all land deals proceed in a regular fashion. Regal realty is a long-standing and respected member of CIREBA. They are with you every step of the way. All you have to do is visit the website and leave you contact details, with of course, the type of property you might be seeking. You get regular updates via e mail, after careful and diligent steps are taken to match your requirements with an existing or under-progress property. If site photos do not satisfy you, a site visit is arranged. Many Cayman island real estate agents allow you direct access to the buyer/seller of the property. Once the deal is struck you get regular updates on the progress of the deal. There is not a great deal of paperwork involved, you only have to supply your personal particulars, source of funding and so on. And all you pay is a stamp duty. Regal realtyhandles all of this and you get your Cayman Islands property on a platter.

Cayman Islands Real Estate

Diverse Destinations Canary Islands

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The Canary Islands are an eternally popular holiday destination and one that routinely brings holidaymakers back to its sunny shores year after year. Perhaps the best thing about this holiday hotspot is its diversity – and it’s certainly got that in abundance.

Take Lanzarote for instance. Renowned for its volcanic lunar-like scenery, soft grey sandy beaches and its fantastic array of water sports, Lanzarote is perfect for just about every type of holiday imaginable. From beach bums to windsurfers, hikers to ardent sightseers, they all get their kicks here. And what’s more, it’s refreshingly easy to get to. There’s a vast range of scheduled flights and a myriad of package holidays available, with tour operators regularly battling it out to offer the best prices to secure your custom. One such example is the tour operator Canarias. Offering holidays all over Europe but best known for their sizzling deals on Canary Island getaways, you’re bound to find Lanzarote hotels at Canarias to match your preferences as well as your pocket.

Across the water in Tenerife, a diverse island of different proportions awaits. Famous for its hedonistic night scene and the type of clubs and crowds that draw big-name DJs from all over the world, Tenerife certainly knows how to do clubbing holidays. But there’s so much more to this popular island than big tunes and all-night parties. Take advantage of affordable car hire in Tenerife at Canarias and get out to explore the spectacular Teide mountain range – home to the highest peak in Spain, a dormant volcano offering spectacular views and a heady experience from the summit.

You might be surprised to learn that Tenerife is also famous for its golf courses. But then, what could be better than practising your swing in glorious sunshine, surrounded by spectacular seascapes and without a care in the world? The likes of Hotel Aguamarina in the South of the island provides a high standard of accommodation just a short stroll from the Amarilla Golf Club.

There’s so much more to the Canary Islands than meets the eye. Why not scratch the surface of this diverse destination and find out for yourself?

Beaches Of India Nature Greets You

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India is a fine beach destination in the world. The country does not only have beaches but mountains and hill stations also. The coastal belts of India are famous for beaches. There are many domestic and international tourists who flock on these magnificent beaches day in and day out. These people chill out on these beaches and it becomes a remembrance of life. When it comes to Beaches in India, you do not have to talk about them. Book a ticket and enjoy with your girlfriend or lover on these beaches.

If you want to go to the state of Karnataka, it is better to go to the town of Gokarna. This is located in the western coast of India. The Kudle beach is one among the five beaches in this place. You can have exotic and peaceful stay at this beach and it can really be a memory of life. You can have fun at the beach during the tourist season. You will have cafes and huts for your enjoyment and can spend some lovely holidays during the season.

Mukka beach

Mukka is a beautiful beach but is isolated and is not visited by the public much. It is located in Surathkal but the public has not paid much attention on the beach. Because of the silence associated with it, this can emerge as a good meditation spot of the globe.
Maple beach in Udupi
Malpe is a port located in the western part of Udupi. There is also a beach. This is a fishing hub and it will be a good to have some fun at this beach.

Panambur beach

It is located in south Kanada. There is also a temple and port at this place. . You can have a walk at this beach in the evening and it will be a memory of life.

When it comes to the celebration on the beaches in India, sky is the limit. You should have the time as well as the finances to travel from one beach to another and have fun. It is better if you enjoy on the beaches alongwih your friends or with family. The beaches actually are not the spots for the loners. You should have someone with you to have a fun on the beach.

When you plan for a trip on the beaches India, make sure to take some tips from experts before you start. You should select some fabulous beaches in the states like Goa, Maharashtra, Karnataka, Tamilnadu and Kerala. After making the selection of the beaches in these states, start your trip. Prior data collection about the rates of lodges, bookings for ferry rides etc should be dome in advance.

Your journey of the beaches of India will be a great fun. It will be an event to cherish especially when you are in your prime age.

Country Vacations Provides International Holidays For Whole Family

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Country Vacations, being mindful of its members holiday needs, offers access to all of its 54 own Country Vacations properties and more than 1000 affiliated properties. Country Vacations is very well known for its large network of clubs and resorts all over India. Country Vacations now started its worldwide expansion, starting from Dubai and other international locations. This is designed to provide the Country Vacations members, wide range of holiday options to choose from. Country Vacations proposed their new product Country Club Holidays.com, which offers choice to the members according to their requirement and need.

Life in this new age can be compared with mechanical production unit working round the clock. Where work takes its toll, turning hours into days and days into months and years gone forever. As we can remember the best time along all this is the time we spend with our loved ones who make our world and what we are. Country Vacations understanding the needs and requirements of its esteemed members who strive to spend their time with family and friends. Country Vacations being thoughtful about the Country Vacations members different choices according to their liking and taste designed to provide different options through County Club Holidays.com. Book exciting and unusual places to stay in some of the world’s most beautiful and fascinating locations. Country Vacations features a growing collection of our favorite small hotels, guesthouses, retreats, eco-lodges, private rental properties and unforgettable travel experiences. This opens a door for the whole Country Vacations family to spend quality time and enjoy the different cuisines of India and the whole world. Since each place and region all over India or the world offers history and unique happenings, which help to increase the knowledge for all the family. Country Vacations is designed to provide all the comforts and provisions for the member to enjoy their membership privileges to the optimum.

Refreshing spiritual holidays for discovering the inner self and finding the perfect place to pray are offered by country vacations. Honeymoon holidays for the newly wedded couples, designed for unforgettable experience of honeymoon that will leave a lifetime experience and memorable times.Country Vacationsoffers information for regular updates. Country Vacations is perfect for expanding the members traveling horizons.

Now, Country Vacations members can Exchange local holidays to international holiday experience through dial and exchange.

Avoid Ski Vacation Disasters

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If you’ve previously had some disappointing ski trip experiences, then now is a great time to start thinking about avoiding repeats of those experiences. The truth is that ist’s perfectly possible to have a fantastic ski vacation, as so many people find out each year.

What are the main reasons why ski vacations can sometimes be more disappointing than they should be? It seems to me that we can almost put the issues into a series of categories. Let’s begin with a focus on the nature of ski resorts.

If you select the wrong resort then you can find that you’ll have a truly woeful time. The problem is that some resorts are really lacking in terms of facilities, while it’s clear that others may not be suited to your own needs. You probably have requirements that apply specifically to your family.

How can you avoid running into such problems? You’ll certainly need to spend time doing some research and checking that a resort has everything that you need. In a sense, it can certainly be said that we are all relatively fortunate. With Internet access and the ability to read numerous, objective reviews, there’s certainly no lack of information.

What this means is that there’s really little excuse when it comes to finding the right resort. But what about the snow conditions? We all know that a lack of snow can really destroy any trip and that it may also appear to be something that we can do very little about.

This is actually another area where it can be seen that research is particularly useful. You can look at historic snowfall data and also check out the height of particular ski runs. If a deal looks too good to be true, then it may also be the case that the timing could be better.

The choice of resort and the availability of snow will be critical to the success of your trip, but there are plenty more issues to consider. What type of accommodation should you opt for? My own view is that this is one area where it never really makes sense to cut corners.

If you opt for a cheap, budget hotel then you really need to be extremely realistic about the type of standards that you will find there. It’s clearly unlikely to help you to have the ultimate luxury ski vacation. You may wish to look at the alternatives.

It’s easy to see how ski trips can go badly wrong. In order to ensure that you don’t fall into the same traps, it’s worth preparing properly.

The Beautiful Beaches Of The Costa Brava – Lloret De Mar

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A beautiful city nestled on Costa Brava, Lloret de Mar has access to some of the region’s most pristine beaches the largest of which, Lloret Beach, has been awarded the the Blue Flag award for cleanliness. People from all over Europe travel via Barcelona to Lloret de Mar, making it a must-see tourist hotspot for anyone looking to spend time in the sun and on the sand.

There are many coves, inlets, and stretches of sand which make up the area’s variety of beaches; with easy access from the airport in Barcelona to Lloret de Mar, these beaches have become major destinations for young people from places like Denmark, France, the UK, the rest of Portugal, and even as far away as America and Australia. This article will talk about some of the beaches in the area and where you might find them.

Lloret

The most popular beach in the area, and the beach from which the town gets its name, is Lloret Beach, located right off the main city centre. This beautiful sandy coastline is almost 1.5 km long and is popular with both locals and tourists. During peak season, this beach is completely packed with sunbathers, swimmers, and people playing beach sports. This is definitely the place to see and be seen, and people travel from Barcelona to Lloret de Mar to be amongst the sunbathers on these sands.

Fenals

Fenals is the second longest beach, measuring just over 800 metres long. It is a bit more secluded when compared to Lloret Beach and is separated from it by a large massif, which creates a buffer from the wind and the city noise. However it still offers glimpses of the high buildings through the trees.

Santa Cristina

If you want something a little more removed, but still easily accessible, check out Santa Cristina beach. A calm cove is created by two high hills on either side on one of them is Santa Cristina chapel, from which you can access the beach by taking the little pathway from the left side of the church and following it down to the sand. Once you’re there, you’ll be treated to soft bird songs and gentle waves. Though less popular with locals and people travelling from Barcelona to Lloret de Mar, it’s still a great beach to visit.

Canyelles

One of the farthest beaches from the town centre is Canyelles Beach. This beach is covered in the soft white sand that is typical of Costa Brava, and the high hills surrounding the beach itself are covered in pine trees. This creates the illusion of remoteness that makes for a very relaxing place to spend an afternoon. Access to this beach is easy. On the road that leads to Tossa de Mar, there’s a pathway on the right side that descends down onto the beach – but be careful because it’s easy to miss.

Most Beautiful Beaches In Venice Italy

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Venice is the most beautiful and entertaining city in Italy. There are a lot of things which will attract your mind completely and you will try to stay in Venice hotels for some more time. There are many attractive beaches too which completely bind you where you will never fell boring and will not try to go away. These beaches are not only standing for a little entertainment with water but it comes under top most lovely and beautiful beaches of north Italy.

You will spellbind from that lovely warm sand and water of the sea and cannot get out of there. Lets take a look towards a little bit information about some of those beautiful beaches in Italy.

Rosolina Beach
You will be wonder that this is 8 km long beach which has very fine and clean sand. You will get a lot of entertainment playing with this fine and beautiful sand. You will not find it full of crowd because of its length. However you will get feel some crowd on August and weekends of July. The interesting thing is that it is over 100 meters wide too which put this beach under the line of beaches which has huge size.

Albarella Beach
It is another lovely and beautiful beach in Venice. Some of these beaches may be associated with Venice Italy Hotels because some Venice hotels exist on any islands which cover all area of the island. You can find this beach easily along the road from Rosolina. If you want to spend time on this beach then you have to pay some cost there because it is on a private island that reserves all the area of the island.

It is about five kilometer long and has great width about 2 kilometers. You will get 2 million trees here, which makes it too popular. The meaning of Albarella is Poplar tree.

So again if you like to have fun on this beautiful beach then you have to stay in that Venice hotel because it is on a private island and only guest of the hotel is allowed to come here.

Alberoni
You can have the fun on this beach with free of cost. The natural beauty of this beach and free entry makes it different from all other beaches. You will not get a look full of umbrellas there like we can found on other beaches. They have a row of chair and umbrellas over there. So if you want to get feel some relax and want to spend some time away from your busy schedule then you should come here and feel relax.