Beware of Fake Designer Clothing and Fashion Accessories

The selling of fake or counterfeit designer clothing and fashion accessories online is a booming business and more and more people are finding out the hard way that that it is easy to get riped off when trying to save some money when buying designer clothes and fashion accessories online. To start with, if the deal seems just too good to be real then it most likely is.

Fake designer goods are virtually without exception inferior products, so if you intentionally buy knock off designer products then you have no right to complain when you finally see what you get. Cheap fabrics, crooked stitching, glue blobs on sneakers and buttons that quickly fall off are standard on fake designer products.

The real tragedy of course, is when someone pays good money for a designer product and an inferior counterfeit product arrives at their door step. They so many times have no recourse either, because it was shipped from some obscure Asian country where counterfeiting is a crime that is only winked at.

This is why you should always check your source before you hand over your money. Many Asian countries are literally flooded with counterfeit products, so you should always avoid buying high end designer products that are shipped from them. Also, it is now a legal requirement that all websites have full contact information listed on them.

If they don’t have all of the required contact information listed then there is an obvious reason why. A legitimate dealer will always have contact information listed, so clients can easily get in touch with them. An unscrupulous dealer on the other hand, won’t list it, because when a client contacts them it is always to complain and to try to get a refund.

Adelaide Hotels – Nothing Less Than Cozy

If visiting Australia is exciting to you, a trip to Adelaide will be a vibrating experience. This capital city of South Australia is surrounded by McLaren Vale, Barossa Valley and Clare Valley, which render the natural beauty to this Australian city. Adelaide hotels are in demand all round the year owing to the consistent influx of the tourist and the business travelers to this city.

Whether you are on a trip to the beachside suburb of Glenelg or touring around the Montefiore Hill in North Adelaide, you are never far away from Adelaide Hotels. The hotels in Adelaide are categorized according to the varying needs and tastes of the travelers. The city throws open a wide choice of hotels in both the central business district as well as in the suburban areas.

For those who have come to Adelaide to enjoy every bit of luxury, the 5-star deluxe hotels in Adelaide like, Rendezvous Allegra Hotel Adelaide and Sebel Playford are the ideal places to check-in. These hotels are the ultimate names in luxury. Like other luxury hotels in Australia, the unique features of these luxury hotels in Adelaide are elegantly designed rooms, world class hotel services and 24 hours access to all kinds of modern amenities and elaborate arrangement of dining and business facilities.

The city of Adelaide has an array of popular 4-star hotels which are designed to perfection. The guests arriving at any part of Adelaide can have an easy access to the Adelaide Hotels like, Adelaide Royal Coach, Buxton Manor Adelaide, Hotel Grand Chancellor, Brownhill Creek Caravan Park and others. Besides offering you a wide range of contemporary facilities, these hotels arrange for the short tours to the nearby areas like, the Beerenberg Strawberry Farm, Parliament House, the State Library, and the Botanic Gardens.

If you would like to stay in a mid-range hotel in the city, you are invited at some of the renowned 3-star hotels in Adelaide like, Atlantic Tower Motor Inn, Adelaide City Park Motel, Country Comfort Adelaide, Oxford Terraces and Princes Lodge Motel. These economy hotels in Adelaide have a satisfying range of amenities and services that are essential for a comfortable living. Besides being well-maintained, these hotels charge reasonable price and does not compromise on hospitality.

The travelers can choose from the City Loop bus service and the Adelaide metro to travel around the city and get access to any of the Adelaide hotels. Some of the major attractions like, Victor Harbor, Granite Island, Port Adelaide Maritime Museum and Belair National Park are located close to the Adelaide Hotels. Staying in any of the Adelaide hotels will let you encounter the unfailing hospitality.

The Triumph Thunderbird Motorcycle

While practically everyone on the planet has heard of the Triumph Bonneville, the Triumph Thunderbird motorcycle has not achieved the same amount of fame. And yet, the Thunderbird was at least as important to Triumph as the ‘Bonny’ in terms of sales and popularity .. it simply doesn’t get mentioned as often. Among the Triumph faithful and aficionados though, the Thunderbird is perhaps the most important Triumph to be produced.

It all started with three riders driving across 500 miles at 92 mph on three different – but recorded as stock – Thunderbird 6T motorcycles. In 1949, that was a testament to durability, reliability and speed. From that year until 1966, Triumph produced the Thunderbird motorcycle out of the Meriden factory and shipped them all over the world. All models had a 649c.c. two-cylinder engine – a big increase from the 498c.c. Speed Twin it was modeled after – and was mated to a 4-speed gearbox. It proved to be so well liked – perhaps loved – in the U.S. that, after 1950, Triumph sold more bikes in America than it did in any other country including in the homeland of England.

The Thunderbird motorcycle went away after 1966 only to reappear in 1981 as the Thunderbird TR65. It was simply an ‘economy’ version of the T-140 Bonneville and was only sold in the U.K. and a handful of British Commonwealth countries. It lasted three model years and then Triumph suffered some very tough times.

However, John Bloor brought the company back to full-on production in 1990. Triumph Motorcycles Ltd. of Hinckley began another model run of the Thunderbird motorcycle in 1994. This beauty had an 885c.c. 3-cylinder engine connected to a six-speed transmission and rode on very confidence-inspiring 18 inch front and 16 inch rear wheels. A tractable 69hp and 52ft/lb of torque carried the 485lb dry machine over any distance in any place you could find fuel. It was blessed with classical good looks, two-tone paint and historical emblems and exhaust. Like the first T-bird, it was built for cruising and its parts and accessories catalog was ready to help with anything a rider may need or want.

The Thunderbird 900 Sport motorcycle was produced in 1997. It had many upgraded components – wheels, brakes, suspension, etc. – and put 82hp to the ground – a significant increase. The design was slightly modified as well, but it retained its lovely retro styling. The 900 Sport was the last 885c.c. Thunderbird motorcycle to be made ..

Until the 2010 Thunderbird motorcycle was developed! The latest addition is a rather large twin with 1600c.c. in displacement, a comfortable cockpit, great handling and smooth character. It still lives up to the needs of a cruiser or touring rider, and it is a very exciting and well-balanced ride. The Triumph Thunderbird motorcycle enters a new century and a new icon is born.

How Do Credit Card Companies Make Money?

Credit cards have gained much popularity in India over the last few years. Public sector banks as well as private banking institutions have come forward to launch a host of credit cards suiting customers with different types of needs. HDFC Credit Cards and SBI Card are the two companies with the largest market share. While banks are ready to offer you with a small loan in the form of credit cards, have you ever wondered how these banking institutions make money from these ventures?

The three main ways how card issuers make money is through the annual fee of the card, interest charged on late payment, penalties on skipping EMIs, etc. At the same time, they also earn from the businesses that accept these cards. Businesses are required to pay transaction fees to the banks which also makes up for significant earning of the card issuer banks.

But before we dig deeper into how they make money, let us first understand the term 'Credit Card Companies'. It is easy to get confused between credit card issuers and credit card networks. An issuer is the bank or financial institution from which you take the card. You are taking a loan from the card issuer and paying back to them. A credit card issuing company is usually a bank. On the other hand, credit card network refers to companies that process the transaction. Currently, there are three major networks in India- VISA, Master Card and RuPay. Apart from these, American Express and Discover cards can also be found.

So, when you make a transaction with your credit card, your money moves electronically from your bank through the network to the merchant's bank.

How do credit card companies make money?

As mentioned above, your bank makes money majorly from you and also from the merchants where you use the card issued by the bank to make the payment. Banks or financial institutions make money in the form of-

Fees

Banks charge different types of fees from their cardholders- some fees are to be paid by everyone whereas other types of fees are levied on condition. Let us talk about these fees and charges-

  • Annual Fees- You have to pay annual fees towards your credit card, especially when you are an elite cardholder and enjoy higher benefits than normal users. This is to be paid by all users. However, some banks may set a condition of spend based annual fee reversal scheme.
  • Cash Advance Fees- When you withdraw money from an ATM using your credit card, the bank charges a minimal fee for it which is normally correlated to the amount you withdrawal. This is also included in the card issuer's earnings.
  • Late Fees- Your card issuer charges fees from you if you delay your EMI payments. Banks make more money from late payers in the form of late fees.
  • Balance Transfer Fees- When you transfer outstanding balance from one card to another, the bank charges fees from you which again becomes its earnings.

Interest

The bank or financial institution has just gifted you a credit line. You have to pay the interest for the loan that is offered to you in the form of credit card. This interest cost adds to your expenses and is a method of earning for the banks. Interest on credit card is charged on daily basis for as long as the amount stands outstanding in your account. This is why experts always advise you to pay the total outstanding amount in full every month because interest will accrue on any amount that stands unpaid.

Let us understand this with the help of an example. Suppose the billing date is on 4th of every month and payment due date falls on 29th of every month. APR = 24%

  1. 10th March- Apparel Shopping- Rs. 5,000
  2. 13th March- Bill Payment- Rs. 2,000
  3. 19th March- Gadget Purchase (converted into 6 month EMI) – Rs. 12,000
  4. 22nd March- Dining Bill- Rs. 1,000

Now considering that the person does not have any outstanding amount from the previous bill, he will have to pay Rs. (5,000 + 1,000 + 2,000 +2000) = Rs. 10,000.

This will be the total amount due on 29th March. Now if the person chooses to pay only Rs. 6,000, the remaining Rs. 4,000 will accrue interest for each day until the amount is paid in full. Considering that the user again pays Rs. 2,000 on the 10th of April, let us see how interest cost works out-

Interest = (outstanding amount x 2 percent per month x 12 months) * (number of days) 365

In this case, the total interest charged would be Rs. 52.60 which is a total for Rs. 4,000 that lies outstanding for 11 days and Rs. 2,000 that lies outstanding for 18 days until the next payment. This is the reason why those who only pay minimum amount due tend to fall into debt soon sooner. Cardholders should also note that when an amount is outstanding in your statement, the new purchases that you make are not eligible for the interest free period. This is why interest charge is the easiest way how banks make money out of your credit card.

Interchange Fee from the Merchant

When you use your card at a merchant terminal, the merchant also pays a percentage of the amount to the bank as processing fees. This will also be added on to the bank's earnings. It usually ranges between 1 to 3 percent of the transaction value but may differ from merchant to merchant.

How to save yourself from paying too much to the bank?

Savvy customers plan their transactions and payments in a way that they have to pay the least amount to the bank. These are the habits you can adopt to cut your costs-

  • Pay your entire outstanding balance every month; just pay the minimum amount due is not a good practice.
  • Set alerts for your payment due dates to avoid missed payments which entail late fees.
  • Create an emergency fund to replace costlier options like cash advances from credit card.
  • Choose low annual fee or free credit cards and even if you select a card with high annual fee, make sure that the rewards are worth it.