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Flying on a commercial airline is not as safe as you would like to believe. Every year, as regular as clockwork, several thousand people die or get injured in airline accidents. On average 1,000 to 2,000 people die, and roughly 2,000 to 5,000 are injured every year since the 1930’s.

Airline incidents are now so common that they hardly make headline news, and many ‘minor’ incidents involving just one or two fatalities and injuries go unreported in the press. Unless you personally experience or witness an airline accident, you can easily go through life under the illusion that plane crashes hardly ever happen.

One astonishing fact is that ninety four percent of plane accidents happen on take off and landing, accounting for about 88 percent of fatalities (figures for injuries are generally not recorded). The other four percent of plane accidents happen while the plane is cruising, accounting for about 12 percent of fatalities. The source for this is the ‘Statistical Summary of Commercial Jet Airplane Accidents, Boeing’.

But another even more astonishing fact is that pilot and flight crew error account for over 60% of all airline calamities. And remember that here we are talking about regular commercial airlines, without including private planes, military aircraft, etc. Source: information compiled by the website Air Crash Info.

Air crash statistics first started to be collected in the 1930’s. Since then the rate of airline accidents and fatalities has been surprisingly steady. That is, the percentage of accidents and deaths is on average about the same, year on year. So in spite of great aviation advances, the rate of accidents and fatalities per hundred flights continues unabated.

So what are the chances of an airline passenger being involved in plane crash? According to ‘OAG Back Aviation Solutions & Plane Crash Info accident database, 1988 - 2007′ the figures are as follows:

The odds of being on an airline flight which results in at least one fatality is about 1 in 3.3 million. This assumes that you travel on a mix of different airlines (not just the airlines with the safest records). Worse still is that many of these plane accidents (about 1 in 4) produces a mix of people who die and people who survive, albeit injured. Such injuries are often life-long (and life destroying).

Comparisons between air travel and car travel is difficult because statistics vary wildly from country to country. For example, in the USA there are on average 6 million car accidents every year, resulting in about 40,000 deaths a year.

Air travel statistics show that when you compare numbers of journeys taken (rather than mileage traveled) you are 12 times more likely to be involved in a fatal plane incident compared to a fatal car incident. In other words, air travel is much more dangerous than car travel (sources: ‘Air Travel Safety Secrets’ and ‘The Tombstone Imperative’).

Is there anything an airline passenger can do to avoid or minimize the risk of injury and death when you fly? Fortunately, the answer is yes. There are some simple things you can do that greatly increase the chances of surviving an airline calamity without injury. See below for more information.

Natural Harmonic

The easiest harmonics to produce are probably “Natural Harmonics”. The technique used is to play with an open string. You would pluck the string with the right hand with your pick as usual, and at the same time mildly touch your left finger to the string at the proper point and then remove it immediately. Your left finger forces the string to stay still in that point, hence creating a node, while the rest of it vibrates. The clarity the ‘harmonic’ relies upon how quickly you remove your finger. The most important thing about “Natural harmonics” is that where you place your left finger .This is so because it has to match the right placement of the node of the harmonic series you desire to produce.

In most cases you need to place your finger above the fret, not the gap in between them. You can acquire all the “harmonic” effortlessly with a little practice except the 9th fret that is somewhat difficult to get. The 12th fret is simplest and best lace to begin.

Artificial Harmonic

“Natural harmonics” being created on open strings have limited notes which we can easily create. While “Artificial harmonics” include one more step and give a lot more possibilities, although they are much hard to play. Nevertheless, the principle is easy - we have just to shorten the string by fretting it somewhere. For example a 2nd harmonic although still comprising of 2 equal notes split in the middle would sound higher because we have shortened the string by fretting it.

It also signifies that we have to move the point that we produce the node up by half the distance we have moved up the fret board (so that we are still hitting the exact center of the part of the string that is free to move). Since we work out the positioning of the nodes as a division of the part of the string that is able to resonate, all of the nodes will be closer at hand, and will act on the string slightly. To actually play the “harmonic”, since your left hand is busy in fretting the string, you must place a finger from your right hand on the appropriate point, and use some other finger on the same hand to really pull the string - this is not easy - pretty hard to perform but with practice you can meet the task.

To produce “artificial harmonics”, apply the exact same rules , simply remember that you have to adjust for the number you have moved up the neck.Entire complex tonal patterns can be played by practicing artificial harmonics , but if you are moving your fret hand up the string even to play successive notes, you also require to alter the place to match the “harmonic “you are producing.

Both the techniques mentioned above are equally at home on a classical or electric guitar.

If you’re new to buying a home and don’t have the time to read an encyclopedia on mortgages, this is the article for you. We’ll go over some basic mortgage terms and concepts to get you started.

The decision to purchase a home by taking out a mortgage is both serious and far reaching. You’ll be either increasing or entering into debt, which means you’ll be responsible to make significant monthly payments. There will also be upfront fees you must pay. Thus you should make sure that you understand the mortgage process and pick both your loan program and your lender wisely.

You’re mortgage education should start with some basic explanations that will help you understand and pick your loan: closing costs, APR, rate, monthly payment, ARM, fixed, and of course, mortgage.

First, what is a mortgage? A mortgage is a loan used to either purchase a property or to pay off an existing mortgage loan. The property itself becomes the collateral. In other words, if the borrower defaults on the mortgage, then the mortgage owner has legal claim to the house and can take possession of it.

The term “rate” refers to the percentage used in calculating the amount of interest you’ll pay for your loan. The interest is essentially your cost for borrowing money. If the interest rate remains the same throughout the loan term, then the mortgage is considered a “fixed-rate” loan. On the other hand, if the rate can change, then the mortgage is called an adjustable rate mortgage or an ARM.

Besides interest, there are additional costs associated with obtaining a home loan. These could include fees for underwriting, the application, checking your credit history and scores, having the property’s value appraised, loan origination, title search and insurance, etc. Together, these fees are called “closing costs”.

Using the interest rate by itself an ineffective way of deciding where to buy a loan because two lenders with the same rate can charge different closing costs, making one loan more expensive than the other. That’s why you should always look at the APR, or Annual Percentage Rate. The APR takes into account closing costs and provides a more equalized measurement for comparing mortgages.

The total monthly payment, also known as PITI, is another important measurement to consider when choosing a loan. The PITI includes principal (P), interest (I), property taxes (T), hazard or homeowner’s insurance and mortgage insurance (the second “I”), and HOA dues. When mortgage insurance is taken into account, loans with a higher interest rate might actually have a lower monthly payment than loans with lower interest rates.

In today’s economy it can be tough to make ends meet. With rising costs it’s common that wages are not keeping pace. Saving can be a real challenge. Here are some strategies to help:

Determine and separate what are true needs versus wants. Priority must always be given to needs first and if there’s anything left, wants last. This takes quite a lot of discipline, but it is essential to cultivate that trait.

Be certain that you spend your money only on basics like food, transportation, shelter, and clothing. These basics are worth spending for because they are dealing with survival issues. They are things that you cannot live without and should be allotted in your budget first.

Make a list of the wants. Find the best prices possible then see if it fits in the budget after all the needs are paid for. If not, either save up funds until you can afford it, or forget about want. It’s important to try to develop the trait of being satisfied with what we’ve already got, not always needing the newest and best stuff.

You may avoid unwanted purchases by trying the item first before buying it. This is to make sure that the item is worthy enough to acquire. There are instances that you tend to buy things without even knowing its effectiveness and quality. You have to keep in mind that you always need to spend your money wisely on items that have quality and are according to your budget.

Make a budget in advance. Think about the timing of your purchases. Try to make them at the end of a season when you can really pick up some deeply discounted prices.

Do comparison shopping to find the best prices. Do not limit your options to just one store only. You may find the best item that can be useful and affordable to you by window-shopping first rather than buying by impulse. Many stores out there carry the same items and can offer lower prices. Sometimes buying online is cheaper than in a brick and mortar store, but factor in shipping charges when comparing.

Conserve on energy. Run only full loads of clothes and dishes. Turn off appliances when not in use. Turn off lights when not in the room. Adjusting your heating or cooling a few degrees will also really help your bottom line.

Save on transportation costs by being organized. Take a bus or ride or walk when possible. Arrange errands in close proximity to each other, don’t make a special trip for just one errand. Keep lists to keep track of needed errands upcoming.

Habits can cost dearly in more ways than financial only, but since the topic is finances take a look at them. Smoking, drinking, espressos and lattes, and the like. I encourage you to take 1 month and tally up every cent spent towards habits. You might be quite surprised how much money you are dumping there. It may be good incentive to break or severely modify habits.

Take a look at all areas of life to see if you can expose any other areas of savings. Sometimes bartering products or services with people you know could be an option. Get creative in this as you could find some very unique ways of stretching money for your situation.

We are going to cover a series of must dos that you should consider in the case that you are thinking of renting a holiday villa in Cyprus. These points will make sure that nothing will possibly go wrong for anyone wishing to rent a villa in Cyprus as well as a whole string of related matters.

First make sure that you use the services of a letting agency with a good reputation or one that comes highly recommended. Don’t part with any money unless you have their full contact details and not just a contact phone number. Check out their website for full contact details and see whether there are any credible feedback from their customers. If the rental cost appears to be amazingly low, be very wary. You should never make any type of payment such as money orders as you don’t know who may be receiving the money.

Another way to check on the letting agency is just putting their name into the Google search box and then check out the links that come up with their name in them. When it comes to paying, in order to get an over all picture of the price range you should compare the quoted prices on internet with others from a traditional high street travel agent. Take care with the amount paid on internet as they may be quoted in Euro, so check out current exchange rates through on line exchange converters such as www.xe.com

Another important point is to have the exact address of where the villa is written down somewhere just so the taxi driver on arrival knows exactly where to go. If you do have the exact address you could try having a look on Google Earth to see whether there is building works in the area or any other inconvenience.

It may not be too late to change your location. If you follow these few basic points you can be guaranteed a trouble free Cyprus villa rental experience. If you are in any doubt whatsoever, I would highly recommend that you have a look at our list of preferred villa rental agencies just so you can make the necessary comparisons. Whatever you decide I wish you the very best in Cyprus.

We live in a day and age where multi-tasking tears us from our families, thereby endangering the very fabric that holds it together. We work to keep food on the table, but at what cost? Do you feel like you are “losing your marbles”? Hold it right there. You don’t need to get a shrink to “fix” you. Instead of paying for a psychiatrist to bring you back into the sane world, why not try… Taking more vacations?

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Moving can be such a daunting task, especially when you have a lot of belongings. You pack them up, the movers come get them, the movers move those items to your new home, and then you have to unpack the very things you had just packed. If there was only a better way, right? Well, until the technology for “packing robots” is developed, this is the only way in which packing is going to be done. But how about those things that the movers won’t move? What do you do with those things? Most of all, what items will they not move? These are great questions because some individuals are not prepared for the answers.

What they won’t move

Residential movers are pretty good about moving your belongings to your new home. However, there are some things you need to know before you start scrambling for the boxes and tape. Those things are what they won’t move. Those things are:

- Pets - If you have pets, you need to make arrangements to move them. Hopefully you’re not taping them up in boxes for the movers to move them. However, it is a federal regulation that prohibits them from being able to transport animals in their vans. That is why you must place your pet in a cage or carrier in your car and move your pet yourself.

- Plants - Not moving live plants is another thing that is federally regulated. There is an exception, though. That exception is if your destination is within 150 miles. If so, they can move them. Then again, you have to check with the movers and their individual policies.

- Flammable items - Moving companies cannot move anything flammable or combustible. That means you have to ensure that oil and gasoline are removed from lawn mowers, weed eaters, and other power equipment. They also cannot transport any type of fuel such as propane tanks, tiki torch oil, or gas cans.

- Hazardous chemicals - If you have pesticides or other items that can be considered hazardous, they are not able to move that either. Fertilizers and the such must not be placed within a moving van. This includes anything that is toxic. You must find another way to transport these items.

Not transporting these items are both for the safety of the moving company and to protect your belongings when their inside of the moving van. It is quite understandable why you do not want flammable items in the van with your clothing and your furniture. It is also understandable why you do not want your pet in the back of the van either. The environment is unsafe for your furry friend.

Things to note

Also make a note that transporting personal items should be done by you. This is in reference to essentials such as a change of clothes, medications, and toiletries if you are moving long distance or moving international. You also want to keep your valuables such as jewelry and family heirlooms with you. That way you know that they are safe by being able to keep track of them at all times.

You also need to read the small print in the agreement that is given to you by the moving company. Make sure you read everything that is given to you so that you know the restrictions and can accommodate those restrictions before moving day. That way you are prepared and you’re not running around looking for a solution that is probably packed away in an unknown box in the back of the moving truck.

Getting to and from the Orlando airport is a relatively easy thing as you have a bevy of choices going for you. The normal choice among most tourists is taking a taxi to their desired location. A trip via taxi downtown (which is roughly three miles from the airport) will normally cost you US$35. There are shuttles that ply the same route that are half the rate of taxis but they usually get filled easily and if you’re in a hurry, that’s a point off. The cheapest way is to try one of the Lynx buses that pass by the airport. They cost around US$1.50 and some run to International Drive and Apopka. For those of you who have hotel reservations, most hotels provide complimentary shuttle trips to and from the airport so you should be covered there.

Those of you who have booked in Disney World Resort will find yourselves being shuttled to the resort in a private coach. You also do not need to worry about your baggage as those who have advanced bookings for Disney World can have their baggages directly sent to the resort, bypassing baggage claim. For those who are not staying at the resort but still want to go directly to Disney World, you can take a taxi to the famous amusement park for about US$60. Conversely, you can also take a direct shuttle to there as well. Shuttles go to International Drive, Port Canaveral, Kissimmee, Winter Park/Maitland, and Lake Buena Vista as well as the airport hotels.

Limousines are also an option, although they charge by the hour. The recommended way to travel to and from the airport, however, is through a rented car as you will then be able to have your own private vehicle for the duration of your stay in Orlando. Renting a car is easy as Orlando has lots of car rental agencies, both major and local. In the airport grounds alone, there are at least six rental agencies where you can get a car. Finally, for those of you who want to get out of the Orlando area directly, shuttle services are available that will take you to several key points in Florida.

Whether you’re travelling internationally or domestically, travel insurance is an important but often overlooked part of your vacation, a quick and simple way of being covered for unforeseen costs.

Sickness, losing your baggage and belongings, a flight being cancelled or delayed, an overseas court are all things that can really spoil your travels. Travel insurance is designed to protect you (within reason) unforeseen complications that may arise on your journey. Whilst this is a necessity for any traveller, travel insurance cannot completely guard one from certain tragedies, for example, in extreme situations, death.

The thought of buying travel insurance can be daunting as one often hears or reads of cases where travellers have been ‘cheated’ out of money that they believe is rightfully owed to them for a claim they have made. When purchasing travel insurance, it is important voice any doubts or misunderstandings to avoid disappointment in case a claim needs to be made. Travellers need not be misinformed about their travel insurance as every policy should be supplemented with policy wording to outline and detail exactly what the travel insurance purchased will and will not cover. This policy wording will back up any claim you make, so long as your case is valid and deserving of cover. Some travellers lose their travel insurance claims due to small overlooked factors. For example, travel insurance can not be claimed on if a police report is not obtained by the traveller at the scene of the crime to back up a case of theft. Without a police report, there is no proof of theft.

In some countries medical costs are so high that even a doctor’s check-up can run into several hundreds of dollars. In serious cases travel insurance will cover issues such as ‘repatriation’ which involves flying a patient back to their home country for medical care. Numerous circumstances can crop up that could force you to cancel your trip, return home early or cause you to seek emergency medical treatment while travelling. Medical travel insurance is by far the most important aspect to be considered if travelling abroad. In case of death, medical travel insurance will arrange for a victim’s body to be returned to its homeland and family. These examples are dire but without travel insurance to cover you, you could end up spending yourself (and possibly your extended family too) hundreds of thousands of dollars.

In some countries medical costs are so high that even a check up at the doctors can run into several hundreds of dollars. In serious cases travel insurance will cover issues such as ‘repatriation’ which involves flying a patient back to their home country for medical care. In case of death, medical travel insurance will arrange for a victim’s body to be returned to its homeland and family. These examples are dire but without travel insurance to cover you, you could end up spending yourself (and possibly your extended family too) hundreds of thousands of dollars.

Whether travelling on work or vacation, do yourself a favour and familiarise yourself with the prospect of travel insurance. If you just take one step at a time you can avoid wasting money and being informed means you can avoid losing money.