Monthly Archives: September 2017

Travel Insurance in a Package CSA and HTH

Two of the best known names in the travel insurance industry are CSA and HTH travel insurance. Both of these insurance companies have been around for a while insuring travelers. They both offer packages that will insure the investment that you have made in your travel package.

Keeping your Money Safe while Traveling

When you are spending money for travel, you will want to make sure that the money is safe by insuring the travel plans. The more you spend on the travel arrangements and the riskier the travel arrangements, the more money the travel insurance will cost you. Both CSA and HTH are travel insurance companies that weigh risk of the venture with the premium. Not everyone gets the same flat premium for their travel coverage when they are using these companies. Nor do they get the same coverage. Everything depends on the type of travel that you are doing and the type of coverage that you desire.

Comprehensive Travel Insurance with CSA and HTH Travel Insurance

CSA is a name that is known to most travel agents and is one of the most popular travel insurance companies that is used. Many travel agencies will try to get travelers to get insurance when they are going on a trip, just in case of a cancellation or inclement weather that can prevent their enjoyment. CSA is one of the companies that will protect travelers against poor weather when they are going on a trip where they expect the weather to be good. The amount for which they offer insurance depends on the type of insurance that someone is getting and the likelihood of something going wrong. CSA is a company that will weigh out the risks of the insurance and balance it with the cost of the insurance.

HTH is another travelers insurance that specializes in medical coverage for those who get sick when they are on vacation. HTH also takes into consideration the chances of the person getting sick as well as the general overall health of the person being insured. The country of their travel destination is also considered when it comes to policies offered by HTH travel insurance. Both HTH and CSA will give broad packages for travel insurance that cover just about everything that can go wrong with the trip for one price. The price that someone pays for such a premium on travel insurance depends on the odds of something going wrong.

Quick and Efficient Service with CSA and HTH Travel Insurance

When it comes to claims, CSA and HTH both handle them quickly and effectively. If you get travel insurance and need to make a claim, you will need to have proof of a loss. You will have to present the proof of the loss to the travel insurance claims adjuster so that you can get money back. Neither CSA or HTH will insure a traveler based upon their enjoyment of the trip. Losses that are incurred during a trip have to be concrete losses that can be proven on paper when you are making a travel insurance claim at either CSA or HTH travel insurance companies. No travel insurance company will pay out on a claim for lack of enjoyment – all losses must be substantiated.

Travel Agents in India

Living in the age of the internet has simplified life.  In this age of virtualization, there are many who think that travel operators are only as worthwhile as flip phones. With hundreds of apps as well as travel websites easily accessible, it is apparent for many to think that role of travel agents has come to nil. However, contrary is the true.  Travel agents in India have a vital role to play when it comes to working out a travel plan for you. After all, assistance is not bad for exploring a country as rich as India.

With its rich culture as well as history, India presents to tourists with experiences which can be cherished for many years to come. Starting from bustling metropolitan cities, delicious street food to historic monuments and beach fun, there are plenty of options in which you can indulge in for ultimate thrill. Being a large and widespread country with several tourist places which are worth a visit, drafting out an itinerary for touring in India can be challenging a task. This is where travel agents can come to your rescue. They help you get the best of the travel packages by working out the one as per your preference, budget and need.

While it is very much possible to get an access to quote for travel packages in India, most of the times, tourists regret not having exploring more than one option. This specifically stands true when it comes to cost when compared with other travellers or tour operators later. Choose trusted, reputed and reliable tour agent so that you can good rates.

Given the fact that every traveller is unique and so are his needs, it is very important for you to look for a travel agent which caters to the individual interests of the tourists. Most of the tour operators in India provide customized deals so that you can visit those places which interest you the most.  Only those agents who years of travel industry experience and knowledge can best customized itinerary which covers destinations which best suit your preferences and budget.

As far as hiring the services provided by tour operators in India is considered, you can be assured to have several benefits. As a matter of fact, there is nothing like choosing the services provided by tour operators. Not only are the easily accessible, they also leave no stone unturned to make sure that you can enjoy your trip to the fullest without having to face any kind of hitch.  By using the services provided by travel agents in India, not only can you get the entire tour customized but also get several other facilities such as pick and drop from airport or railway station, accommodation and driver on standbyArticle Search, to name a few.

One of the best ways to choose one of the best and reliable travel agents in India is comparing the services provided by them. You can easily do this by sparing out time and run an online search.

Ways to Deduct Your Travel Expenses

Travel expenses are a favorite deduction of many clients, because they love to travel and especially enjoy it when the IRS is subsidizing part of the expense. In order to deduct travel expenses, however, you must show that the expense has a business purpose and is ordinary and necessary to the business.

Travel expenses that have a business purpose include:

– Meeting customers/prospects/vendors residing in a different location;

– Searching for investment property;

– Meeting with business partners, both current and prospective; and

– Holding annual shareholder meetings (usually held in conjunction with an annual board meeting).

The phrase “ordinary and necessary” generally is defined to mean, “in the ordinary course of business” and that “the expense will contribute to the success of the business.”

If a taxpayer travels to a destination and while at such destination engages in both business and personal activities, traveling expenses to and from the destination are deductible only if the trip is related primarily to the taxpayer’s trade or business.

If the trip is primarily personal in nature, the traveling expenses to and from the destination are not deductible even though the taxpayer engages in business activities while at such destination. Expenses while at the destination which are directly related to the taxpayer’s trade or business are deductible even though the traveling expenses to and from the destination are not deductible.

Whether a trip is related primarily to the business or is personal depends on the facts and circumstances in each case. The amount of time during the period of the trip that is spent on personal activity compared to the amount of time spent on business is an important factor in determining the deductibility of the travel expense. Generally, if business is conducted more than 50% of the time in an eight-hour business day, the travel expense is deductible.

Travel expenses incurred on behalf of a spouse, dependent or other individual accompanying the taxpayer are not deductible. However, if the spouse, dependent or other individual is an employee of the taxpayer or there is a bona fide business purpose, then the travel expense is deductible.

Travel expenses involving a cruise ship typically are not deductible. However, they can be deductible if you are attending a convention on a cruise ship and you can show that attendance benefits your trade or business. No deductions for cruise ship expenses are allowed for meetings related to personal investments, political causes or other purposes.

There are additional restrictions relating to cruise ship travel. For example, there is a $2,000 annual limit on cruise conventions and you must attach a written statement to your tax return that includes certain facts about the convention.

Normally, expenses require simple documentation such as a receipt. However, travel expenses require additional documentation. If the IRS finds the taxpayer does not have sufficient documentation, the expense will not be deductible. The taxpayer must document the amount, time, place and business purpose of the travel expense.

Sufficient documentation of a business expense includes receipts, cancelled checks or bills. Although a contemporaneous log is not required, we normally recommend that our clients keep an itinerary of the business trip listing all business activities as documentation of the travel expense. The log should list all elements of the expense (e.g., amount, time, place and purpose) as this has high credibility with the IRS. Documentary evidence, such as receipts or paid bills, is not generally required for expenses that are less than $75. However, the IRS has ruled that all lodging expenses must be documented.

The taxpayer may deduct a standard allowance as set by the federal government. This is called a per diem deduction. In lieu of receipts, taxpayer will deduct the per diem rates. Per Diem travel expense deductions are not allowed for owners.

Good news for those who hate keeping track of all of those pesky receipts when they travel. The IRS will allow you to deduct your meals and incidental expenses for travel away from home even without receipts. This is their Per Diem Allowance program.

The way it works is that the IRS has a table indicating the amount of deduction you can take on a daily basis for meals and incidentals while traveling away from home. If you choose to use this flat, per diem amount, you do not have to keep track of the receipts for these expenses. If you are not an owner in the business, you can even use the per diem method for travel and lodging. Owners can only use the per diem method for meals and incidentals.

Of course, per diem allowances, like deductions for actual expenses, may be used only if the time, place and business purpose of the travel are substantiated by adequate records or other evidence.

The IRS has issued per diem rates based upon the Continental United States (“CONUS”) travel and foreign travel. New CONUS per diem rates become effective on October 1 of each year, and remain in effect through September 30 of the following year. Federal rates are on the Internet.

If employee expenses are substantiated using a per diem amount, and reimbursement exceeds the relevant federal rates for that type of allowance, then the employee is required to include the excess in gross income. The excess portion must be reported on the employee’s W-2 and is subject to withholding. However, as long as the reimbursement amount does not exceed the relevant federal ratesComputer Technology Articles, then the amount is not taxable to the employee!

Other technical rules apply to using per diem rates. Be sure to work with your CPA to make sure you are following all of the technical rules before using the per diem method for documenting travel expenses.

Ways of promoting your travel business.

Businesses are used to stay open for 8 to 10 hours and customers do not have to wait till the next day for their requirements. On internet, your business works round the clock for you even when you sleep. Some travel agencies specialize in commercial and business travel only. You want to create online, traveling business then first thing is the domain name of website Choose it as close as possible for identifying your business. This helps in better promotion of your services.

 If your are new in the travel business then it will defiantly help to your business easy to reach masses, promoting your deals with less  effort, promoting the best available packages, the uniqueness of your travel services, increase in sales and most importantly branding of your travel business. Use a online travel agency website whenever you want to organize flights, book car rentals, find hotel rooms, enjoy concerts, rent an automobile, and stay at a California hotel? If you are, you should be able to find a holiday package that matches your requirements.

 Vacations really are a nice method to make as you may have the ability to save both time and money and much more. When on holiday, the last thing you want to have to worry about is your airport transfer, so head online and find out why a travel agent can make all the difference to your next trip. Travel sites are focuses on travel reviews the booking of travel packages, or a combination of both.

 As this is an important way of your business. Consider a case when a tourist in USA wants to book a holiday in UK. Peoples are most likely to search for the tour operators on google or any other search engine. The higher your website ranks in the search engine, the more chances of it bringing more people to your business.

How to Make Your Travel packages Sell

 1. One of the best ways to get your travel websites started is to create blog. Mostly blogs are free to start and you can write as how much as you wants.

 2. You should also include quality photographs, and include happy people in them that look real use specific colors so that the people viewing your site will be able to experience some of the beauty of the destination. Look at the design details on sites like Travelocity.com or Expedia.com.

 3. Usually travels websites are properly design and keep navigation clear. All of the important information must be on the home page for attracting more customers to your business.

 4. Create a FAQ page and customer most-asked questions, then answer them honestly and clearly. Do not forget to make it easy to bookFree Articles, and ask for the sale.

 5. Value for money gives everybody a warm feeling and makes for a great family holiday this is an essential elements of travel agencies.