>Take business class to Asia
Posted by sophiamilller on August 24th Evander Kane Sharks Jersey , 2013


Travelling all around the world is a privilege and everyone should take advantage of it. Nothing comes to going to new places, visiting countries and so on. But it is even better when people can manage all these in style and they can take a business class to Hong Kong next time they are flying there. There are major airlines nowadays that come with competitive prices for business class tickets. Perhaps you might not realize, but the differences between Economy class and business class are huge. Just to name a few, there is the high comfort feature, the privacy, the ease of boarding and of course Authentic Brent Burns Jersey , the personal service that makes everything worth it. A business class to Asia can be the major factor that will decide a flight’s success.


Many seek to travel within the business class to Hong Kong due to the extra security provides and for the ease of checking-in. there are no long waiting lines and as soon as you know it, you will be able to sit comfortably in the lounge and just take advantage of the extra services. Most of the airline companies offer pre-flight snacks or drinks, just to offer passengers the attention they deserve. While people in the Economy class are waiting to get through the gate or waiting for their luggage and resist the crowd, those in the business class to Asia will just worry about the nap they can take.


Travelling to another continent can be rather stressful, especially when people start thinking about the long hours and the uncomfortable seats they have to sleep in. However, this does not apply to the business class to Hong Kong. The seats can fold back completely and it will be just like sleeping in a bed. Also Authentic Erik Karlsson Jersey , there is enough legroom to spread comfortably. You will be able to stretch out without worries and you will not even feel when hours will go by. After reaching the destination, you will definitely not get out of the plane feeling all sore and tired.


In business class to Asia, it is not only the sleep that is better, but the food as well. Passengers can choose from a menu and the dishes are prepared fresh and by reputable chefs even. Besides food, there is a wide choice of alcoholic and non-alcoholic drinks. During the entire flight, these are complementary Authentic Logan Couture Jersey , along with snacks. Flight attendants will be at your disposal with whatever you will be requiring. Let‘s not forget about entertainment either; you can enjoy a good movie or good music on DVD players, or you can simply go online. Many airline companies are providing internet connection for their passengers.


So why not choose the business class to Hong Kong? Perhaps many people are drawn back because of the high price. It should not be the case anymore, not when there are dedicated websites offering great deals on flights, no matter where your destination is. You can get free quotes according to the destination and departure date and as soon as you know it, you will be enjoying high class and luxury.


If you have the chance to travel in the business class to Hong Kong, then don’t miss out the opportunity. There is nothing like sitting upfront and enjoying the comfort in the business class to Asia.

For years Authentic Joe Thornton Jersey , mainstream banks and financial advisors have been recommending that you pay extra cash into your mortgage account in order to cut down the huge interest amount and reduce the period over which you pay back the loan.

For example, if you borrow $200,000 over 30 years at a rate of 5%, your monthly repayments would be around $1074. Over 30 years, you would actually pay $1074 x 360 (months), which is $386 Authentic Evander Kane Jersey ,640. That's a of $186,640 in interest!

Now if you could find an extra $246 a month, and pay $1320 a month into your mortgage account, you would cut 10 years off the repayment period - the loan would be fully paid in only 20 years instead of 30 years. Moreover, your total payments would be $316,664 -saving you $69 Cheap Brent Burns Jersey ,756! Looks like BIG savings for you right? Not so fast reading.

You see, the flaw in this technique is that it ignores the time value of money.

The banks, mortgage lenders and other financial types know that money is worth less now than it was when they were younger. Take that $1074 mortgage repayment for instance, in 30 years time, when the last payment is due, it would only be worth $437 in today's money (based on current inflation growth).

A dollar now is always better than a dollar in a year's time or in 10 years from now.

How does the time value of money affect our example?

You cannot simply subtract the mortgage interest amount for a 20 year mortgage from the interest on a 30 year mortgage. What you need to do is calculate the Present Value of each mortgage.

The Present Value of a 30 year mortgage with repayments of $1074 at a 5% interest rate is $200 Cheap Erik Karlsson Jersey ,066.

The Present Value of a 20 year mortgage with repayments of $1320 at a 5% interest rate is $200,066.

Thus, the two repayment plans are exactly equal over time.

Much of this $69,756 'saving' on the interest rate is really no more than the result of you paying the extra $246 a month. That $246 a month for 20 years totals $59,040.

What if you took that $246 a month and invested it in, for example Cheap Logan Couture Jersey , mutual funds?

If you could get a return of 10% each year, after 20 years you would have $186,804. With inflation at 3%, that would be worth $102,597 in today's money.

So why would the banks recommend that you pay off your mortgage quickly? Surely the longer the income stream lasts, the better right? - wrong.