Day: August 10, 2021

Things to Know Before You Are Renting a LimousineThings to Know Before You Are Renting a Limousine

Over the past couple of years, renting limousines have become a lot easier, to be honest. You no longer have to stress over multiple factors anymore as you can just go to the website of the service you want to book and you will be all good in no time. However, if you are doing it for the first time, there might be a number of things that you will have to look after.

Whether you are looking for limousine Tacoma WA or somewhere else, it is wiser that you are properly prepared for every other option that you have because without that, you might not really get far, and it is better that you are careful in the process.

This is Not Going to Be Difficult

Before we go any further, it is important to know that when you are going to rent a limousine, the process is a simpler one and should not take a lot of time, either. It is simple, straightforward, and convenient for everyone. Therefore, relying on such a service is always a great thing to do and you will not have any issues, either.

Variety of Limousines Available

One more benefit that you are going to get here is that there is going to be a variety of limousines available that you can choose from. Sure, this might not be for everyone but if you are looking for convenience, this is a great way to get started and you will not even have to stress over it or anything else. Just check for the ones that you think are good for you and you will not have any other issuethat you might have to deal with.

A Brief Guide To Hemis National ParkA Brief Guide To Hemis National Park

Applauded for its highest abundance of Snow leopard conservation efforts, Hemis National Park is located in Eastern Ladakh and covers an area of about 4400 sq km. The popular national park is famous for its high density of Snow leopards and also houses a large variety of birds. Apart from the Snow leopard, the national park is home to several endangered and rare plants and animals. A significant portion of the park is devoted to wildlife conservation, making it an ideal nature exploring destination in India and a birdwatcher’s paradise.

Our trip to Hemis National Park was memorable, especially seeing the Snow leopard and plenty of Bharals and the Red fox. It was relaxing and exciting traveling through the dry forest early in the morning and later in the evening. We were also delighted with all the accommodation. The homestays were superb, comfortable, exotic, friendly, and considerate of all our needs. We particularly liked camping in the park although it was freezing at night. The journeys by car and air were also all enjoyable and comfortable.

Travelling with experts

Our tour organizer Sam Pandepa met and greeted us and took us around the sites, and did a sterling job as a guide. It was a fantastic experience. Sam K. Pandepa’s expertise and guidance ensured that we made the most of our time in Ladakh. It was really an excellent holiday, and we would certainly recommend Ladakh-tourism for Hemis National Park tour to others and use it in the future. Thanks a lot for making our trip a lasting memory for us.

History of Hemis National Park

The Hemis National Park was established in the year 1981 and covered an area of 600 sq km. It was built to protect Rumbak and Markha valley regions as they were home to a large number of Snow leopards. In 1988, the park was expanded to 3350 sq km, and it became the largest park in South Asia. Later, in 1990, the park grew in size again, covering an area of about 4400 sq km. and became what we see today.

Flora in Hemis National Park

Hemis National Park receives a small amount of rainfall throughout the year. As such, the park consists of dry forests with only fir, juniper, and dry birch trees being present in the lower altitudes.

The flora of Hemis National Park consists of mainly alpine vegetation and many rare medicinal plants, including Arnebia euchroma and Artemisia maritima.

Fauna in Hemis National Park

Hemis National Park is rich in fauna and is inhabited by 73 bird species and 16 mammal species. The land of Hemis boasts the highest density of Snow leopards. Apart from them, other endangered animals in Hemis National Park include

  • Red fox
  • Eurasian brown bear
  • Bharal, Argali
  • Asiatic ibex
  • Shapu
  • Tibetan wolf
  • Himalayan marmot
  • Himalayan mouse hare
  • Mountain weasel.

Popular Species of birds found in Hemis

  • Himalayan griffon
  • Golden eagle
  • Lammergeier vulture
  • Robin accentor
  • Red-billed cough
  • Brown accentor
  • Fire-fronted serin
  • Chukar
  • Himalayan snowcock etc.

Best Time to Visit Hemis National Park

Hemis National Park is best visited between the months of May to September as most regions of the park remain dry in summer except for the high mountain peaks where snowfall occurs even during summer.

Winter is the best time if you want to spot the Snow leopard. You can visit between the months of October to March because they descend to lower regions searching for food.

New Credit Card Over Limit Fee Laws – What You Never Know Can Still Hurt YouNew Credit Card Over Limit Fee Laws – What You Never Know Can Still Hurt You

The Credit CARD (Credit Card Accountability, Duty, and Disclosure) Act of 2009 was signed into law on May 22, 2009, and took effect on in it is entirety on Feb 22, 2010. It attempts to alter some of the additional unpopular policies made use of by credit card providers. Credit card issuers have been producing a substantial portion of their revenue in current years not from the interest they charge, but from the myriad fees they charge consumers. There are lots of of these, and some have been utilised for a extended time, such as month-to-month charges. Persons anticipate to pay such charges, and if they never like them, they can use one particular of the lots of cards without monthly costs. There are some fees that you can not escape unless you are pretty careful, on the other hand.

One particular of the most insidious costs in this category are ones that card holders are charged for going over their credit limit. In days gone by a charge would simply be denied if the card holder attempted to charge an item that put them over their credit limit. These days are gone. IN the guise of convenience, card holders realized that they were overlooking a potentially very profitable revenue stream.

When the choice had been made to implement such fees, the card issuers jumped aboard the bandwagon with a vengeance. According to the 2008 Consumer Action credit card survey, 95% of all buyers report that their credit card has an over the limit fee, even though that will doubtlessly alter with the enactment of the new law. The average fee is around $29.00 and can be charged on a per occurrence basis, although some issuers charge only 1 charge for exceeding the limit.

Pity the card user that heads to the mall for a bit of buying, absentmindedly forgetting that their credit card is close to the limit (going to the mall with maxed out credit cards is a topic for a different day). They could very easily rack up hundreds of dollars in new charges for exceeding their credit limit. Recall, these costs are charged per occurrence.

So, if you went to Macy’s for example, and charged $127.00, but only had $125 left on your card’s readily available balance, you would be issued a $30 fee on top rated of the $127.00. Then you went to J.C Penny and charged an additional $68.00. Once again, you would be hit with the $30. All that buying made you hungry, so you head to the food court for a spot o’ lunch. Right after consuming $7.50 worth of Chinese food, your credit card balance would enhance by $37.50 $7.50 for the lunch, and $30 for the charge. You head for home, purchases in tow, getting rang up a total of $202.50 in purchases and $90 in new fees.

In the great old days, you would have merely been informed by the friendly Macy’s employee that your credit card had been declined and that would have been that. You’d be a bit embarrassed, to the extent you can be embarrassed in front of an individual you never even know, but would head home with your finances extra or significantly less intact.

1 could quickly suspect that the whole charge fiasco was a plot brewed up by the merchants and the lenders in order to extract just about every last penny from your wallet. After all, not only do you spend the bank hefty costs, but your purchases are not declined, leaving you deeper in debt, but in possession of some fine new clothing. The bank wins, the merchant wins (both at least temporarily) and you drop.

Congress has now stepped in to guard shoppers from their personal credit irresponsibility by enacting legislation ending over the limit fees. There is a catch nonetheless. You can nevertheless opt in to such costs. Why would Unicc in their right thoughts opt in to an over the limit charge on their credit card? Great query!

It is due to the fact the credit card enterprise offers you one thing back in return, in most instances a lower interest price or modified annual charge structure. The new Credit CARD act makes it possible for organizations to still charge more than limit costs, but now buyers should opt into such plans, but consumers will typically have to be enticed into carrying out so, generally with the guarantee of reduce costs elsewhere, or lower interest rates.

Some thing else that is prohibited by the new Credit CARD law is the after frequent practice of letting a monthly charge, or service charge trigger the more than the limit charge, some thing that enraged far more than 1 customer. Credit card corporations are now only permitted to charge a single over the limit charge per billing cycle, which is ordinarily about 30 days.

Other Credit CARD Act Protections for Card Holders

Sudden Rate Increases Other new protections offered by the Credit CARD act involve the abolition of the widespread practice of all of a sudden escalating the card’s interest rate, even on prior balances. This practice is akin to the lender for your car loan suddenly deciding your interest price of 7% is just too low, and raising it to 9%. Now that practice will be eliminated. Businesses can nevertheless raise interest prices on your cards, but after a card is extra than 12 months old, they can only do so on new balances, and ought to not charge a high interest rate for balances that are less than 60 days past due. The exception to this is if cards are variable rate cards that are tied to 1 of the numerous index interest prices, such as the prime price or LIBOR. In that case, the interest rate can boost, but only on new purchases or cash advances, not existing ones.

Grace Periods and Notification When card holders significantly change the terms of your card agreement, they ought to now give you a 45 day written notice. The fact that they can change the terms of t contract at all continues to raise the ire of several shoppers and advocacy organizations, but other people take into consideration it the cost to be paid for such quick access to credit cards. Organizations now have to give he shoppers the selection to cancel their cards prior to any price increases take effect.